A Basic Guide To The For Sale By Owner Process

Anyone who has started the process of looking for a home or piece of property of their own has run across the infamous FSBO or for sale by owner advertisement. For those who are purchasing their first home this can be difficult to understand. Maybe you believed all homes were for sale by their owner, after all they are the ones who have option to sale. Not a lot of folks really think about this stuff or understand it before they start to buy. Whatever the case may be, this is a common and beneficial way of selling a home or property.

The standard practice of selling a home would involve a real estate agent doing most of the actual work. These agents do all of the promoting, selling, and mandatory documentation. In exchange for their services they acquire a fraction of the sale. Everything else, obviously, will go to the owner.

Many home owners like to do things on their own so they have all the power. In this case all of the promotion, paperwork, and presentation are taken care by the owners themselves. Owners will often still reside in their home during this type of sale, but are happy to show the prospective buyers around. Another obvious reason that sellers like this is that they get to keep all the profit for themselves. The benefits to the buyers often include relaxed credit requirements when owner financing is offered and the chance to deal one on one with the actual owner of the home.

Most of the times for sale by owner agreements work out quite well for both involved parties. Often home owners will even provide a special rent to own lease agreement that permits buyers to get their home slowly over a period of time. The details of this typically work out just like any other lease, but in the end you actually get to keep the estate. There is no need to seek a loan in this case. There is no longer a requisite for any type of bank or outside lender. Also this almost always means that there will be no verification of the buyer’s credit.

If you are searching for a home and are interested in buying directly from the seller, or you are interested in getting rid of your home this way the internet is a great place to do research. Several sites out there are classified directories that only have FSBO ads. Also there are several websites that are dedicated to providing advice on this type of sale.

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Source by Elisa Kelly

Klytia, a Story of Heidelberg Castle

Klytia, a Story of Heidelberg Castle

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This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work.

This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.

As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.



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How To List Your FSBO For Free

There are a host of for sale by owner websites on the Internet, the newest is ChoiceA where you’ll get a fresh user experience and it won’t cost you a dime. The service, based in Portland, Oregon offers free listings for FSBO. Buyers and Sellers are connected directly and provided tools to help aid the transaction. Currently, the site offers free downloadable legal forms for Washington, Oregon and California and provides a user-friendly upload process. Many sites limit the number of photos you can include in a listing, at ChoiceA you can upload as many high-resolution photos as you’d like. In addition, ChoiceA provides HTML code that allows you to cross-post your listing to Craigslist or other for sale by owner options.

ChoiceA intends to contribute to the changing landscape of real estate, but remain focused on the FSBO market. There are other new or hybrid options in real estate such as Redfin, which would reduce your listing fees by a little more than half the traditional amount. With Redfin the majority of your seller’s fees are rebated back to you, but you remain obligated to pay the buyer’s agent’s fees which are usually a traditional percentage. Other web-based real estate tools include Zillow’s Zestimates, and Trulia’s site which aggregates various broker listings. Historic FSBO sites generally charge from $200 – $1200 for marketing materials or flat-fee MLS listings that are then posted at Realtor.com. Flat-fee MLS listings usually sound like a good idea, but rarely will a traditional agent (who the MLS is built around) treat a flat-fee listing the same as a traditional listing; simply it is not in the agent’s interest to show homes that are flat-fee listings if the agreement with the seller is such that a traditional agent will not be paid for introducing a buyer and a seller.

More and more the seller is being given the power to set his/her listing fee. You’ll notice that on Craigslist the majority of FSBO’s state something similar to: “2% offered to buyer’s agent” – which means that they will pay no more than 2% to be introduced to a buyer who ultimately closes on the property. The Internet’s reach is empowering the buyers and sellers and it is widely believed that there is a growing trend toward Do It Yourself real estate. What was traditionally an intimidating process is becoming more understood by many who are able to research the process, obtain the needed forms and seek out an attorney who may charge $300-$400 to review the paperwork versus traditional real estate commissions that can be $20,000 – $30,000+ for a like-sized transaction.

As with many industries, the Internet is changing the traditional landscape. Real estate practices have changed relatively slowly, but as of 2007 the pace at which the model is changing is accelerating. It is hard to imagine that five or six years from now people will still have to pay $18,000 to market a $300,000 property. Rather, fees are expected to be reduced dramatically as the Internet empowers people to do more for themselves while getting increasingly equal amounts of exposure. After all, if the Internet does one thing well, it’s connect one person to another and the real estate industry will likely change in a big way as soon as more of the new models are used with success.

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Source by J Summerson

The Heidelberg Catechism, 450th Anniversary Edition

The Heidelberg Catechism, 450th Anniversary Edition

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This edition of the Heidelberg Catechism is produced by the Reformed Church in the United States. It is reprinted with all of the references in the New King James Version of the Bible and the updated language adopted by the Synod of the RCUS in 2011. This small book is one of the finest fruits of the Reformation and epitomizes its essential teaching. Holding forth faith in Jesus Christ as our only comfort in life and in death, it presents, very personally and eloquently, what is necessary to know that we may live and die in that comfort. While many played a role in its composition, it was especially Zacharias Ursinus and Caspar Olevianus who imparted its theological content and practical spirit. Having received hearty approval by the pastors and teachers in Heidelberg, it was published on January 19, 1563. Its influence in Germany, the Netherlands, Hungary, and beyond exceeded all expectations. It was welcomed by Reformed believers everywhere. Today, those who are yearning for a beautiful statement of biblical truth will find this work a treasure. It remains as fresh as when it was first published 450 years ago.



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Short Selling Your Home – The Right Answer?

As the real estate crisis and slumping economy continue to squeeze homeowners, many have sought to escape their mortgages by conducting a short sale of their properties. A short sale is a transaction whereby the owner sells his home for a lower amount than what is owed. The lender must accept the deal, and stories have been circulating of buyers and sellers waiting several months before hearing a decision from the bank. So, is this technique the best answer?

Refinancing and loan modification are more efficient, and lenders such as Countrywide are much more accepting of these programs than a short sale. But if circumstances prevent you from qualifying for these loans, a short sale may get you out from under an unmanageable situation. There are two reasons a bank may accept a short sale: 1) the costs of foreclosure can cost a lender up to 18% of the loan amount, and 2) lenders do not want to carry properties on their books.

Not all homes qualify for a short sale, says our personal financial expert Nathan Threebes. "There must be evidence that home values ​​have dropped in your area, the loan must be in or near default status, and the seller must show that financial hardship and a lack of assets prevent her from making up the difference," Threebes says.

There are two major consequences to conducting a short sale. First, according to the Mortgage Forgiveness Debt Relief Act of 2007, the IRS allows lenders to issue a 1099 form for the forgiven amount, which you must report as income. Second, your credit report will be blemished though not quite as severely as a foreclosure (but creditors may not see a distinction as your FICO score lowers almost equally).

Under new Fannie Mae guidelines, conducting a short sale versus allowing a foreclosure may shorten the waiting period between the sale and obtaining a decent rate for a new home. Homeowners considering using this strategy are advised to seek professional advice.

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Source by Man Bothe

The Millionaire Real Estate Investor

The Millionaire Real Estate Investor

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“This book is not just a bargain, it’s a steal. It’s filled with practical, workable advice for anyone wanting to build wealth.”―Mike Summey, co-author of the bestselling The Weekend Millionaire’s Secrets to Investing in Real Estate

Anyone who seeks financial wealth must first learn the fundamental truths and models that drive it. The Millionaire Real Estate Investor represents the collected wisdom and experience of over 100 millionaire investors from all walks of life who pursued financial wealth and achieved the life-changing freedom it delivers. This book–in straightforward, no nonsense, easy-to-read style–reveals their proven strategies.

The Millionaire Real Estate Investor is your handbook to the tried and true financial wealth building vehicle that rewards patience and perseverance and is available to all–real estate. You’ll learn:

  • Myths about money and investing that hold people back and how to develop the mindset of a millionaire investor
  • How to develop sound criteria for identifying great real estate investment opportunities
  • How to zero in on the key terms of any transaction and achieve the best possible deals
  • How to develop the “dream team” that will help you build your millionaire investment business
  • Proven models and strategies millionaire investors use to track their net worth, understand their finances, build their network, lead generate for properties and acquire them

The Millionaire Real Estate Investor is about you and your money. It’s about your financial potential. It’s about discovering the millionaire investor in you.

Financial Information
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Real Estate investments strategies



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Tips For Selling Your Home – A Guide to Selling Your Home

Anyone can sell a home. Supported by so much information on the net anyone can sell their home themselves or through an agent. This hi-tech information tool can be accessed anywhere and you can easily sell your home, using it, at a rational price.

So whether you want to do it yourself or through an agent you can follow some basic steps to be successful. Do not under estimate the importance of these guidelines.

Here are some quick steps to follow:

* Preparation- put your best foot forward.

The first thing you need to do even before you put it up for sale is to make it really inviting. Spring clean your home thoroughly. Get rid of all clutter and rubbish. Repair your home and get rid of extra furniture to give it a spacious look.

* Price your home right

A home that is reasonably priced will sell faster than an overpriced one. You can have your home professionally valued. Include the cost of the furniture you are planning to give with it. Do not under price your home, as you will then loose money at the same time do not over price it as you may then end up losing some potential buyers.

* Time your sale

The time you decide to put up your house for sale should be optimum. The best time to put up your house for sale would be when there is a demand for homes and the economy is good. Usually June and July are good months to do it. if you can time your house well with good presentation then you may be able to get a better price than expected.

* Consider the costs involved

Do not ignore the expenses that you incur while trying to sell your house. Your asking price should cover expenses like advertisement, attorney, closings etc.

* Selling without an agent

Selling your home yourself is not an easy prospect, though it can be quite economical as you can save the agent's commission which could be anywhere from 2-6% of the total sale.

* Selling at auction

This also an option that you may exercise though it is not beneficial. It costs more and could be a volatile experience

* Hire a real estate lawyer

Involve a real estate lawyer in the whole process as it will iron out any wrinkles and also help you make the whole process smooth by drafting good documents.

* Marketing you home

You can hope to sell your home only if people know about it. this is how you can spread the message

– Write out an ad for the classifieds
– Use a photograph- a picture is better than a thousand words
– MLS provided by agents
– Open houses
– Lawn signs
– Home brochures
– Spread the word yourself

* Negotiate an offer you receive
* Be ready for home inspections
* Closing

These ready guidelines will make your way smooth. Do not hesitate to seek advice from a professional if you face problems during the process.

Good luck with your endeavor.

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Source by Benjamin E. Clarke

Selling a House Without a Realtor

Several years ago when the real estate market was at its peak, it was easy to put a sign in your front yard and have your house sold in a short period of time…sometimes in just a few hours…you didn’t even need a realtor. Those days are long gone now. In fact, there are several reasons why selling a house without a realtor isn’t so easy anymore.

The main reason why selling a house without a realtor may be difficult has to do the multi-listing service, or MLS. If your home is listed on the MLS it will be viewed on a number of different websites as well as through a nationwide network of real estate brokers. Selling a house without a realtor is certainly possible if you’re not listed in MLS, but almost 90% of all home sales that take place are a direct result of being listed in MLS.

Your best option if you do plan on selling a house without a realtor is to find a real estate broker that will list your home in MLS for a one-time flat fee. Then you can go about your business of trying to sell your home on your own. As long as you find a buyer without the help of a real estate agent, you will only pay the one-time flat fee for the listing. If your buyer happens to have their own buying agent then you pay a small percentage (usual 3%) of the sale price to that agent. Either way, you still save thousands of dollars when using a flat fee listing service over a traditional real estate transaction of 6%.

In the end, if you are selling a house without a realtor, you still must get listed in MLS and the best way to that is by using a flat fee listing service.

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Source by Tanya Waxler

A Guideline For Selling Your Home By Owner

Listing your home For Sale by Owner can be a great alternative to selling your home through a realtor. Although trying to sell your own home without the assistant of a realtor can be both challenging and frustrating at times, in the long run it can save you a lot of money. For Sale by Owner or FSBO homes require the homeowner do their homework and research prior to listing the home for sale.

Realtors generally average about six percent of the sale price of the home. Therefore, by successfully listing and selling your home FSBO, that is money that you can keep in your own pocket and not have to fork out to a realtor. By selling your own home and saving the realtor fees, you can also pass that savings onto your potential buyer. Whether you throw some of that money into the asking price, or you use it to make some needed repairs, by selling the home For Sale by Owner, you have some extra cash to work with.

It is important that homeowners realize the amount of work involved in selling their home For Sale by Owner. Although you will need to do the work by yourself, there is no need to despair. Many people believe that when it comes to the paperwork aspect of selling a home, they need a realtor to help them out. However, this is simply not true. Instead, when selling your home on your own, you will need a good lawyer that has experience with real estate.

A lawyer will be able to assist you and help fill out all necessary paperwork needed to sell the home. The lawyer is there to make sure that everything is properly and legally taken care of. When looking for a qualified lawyer, be sure to ask for referrals you're your family and friends who can give you a name of a good lawyer. You can also check with the Better Business Bureau to make sure the lawyer you choose does not have any complaints against them.

Research is a key element to listing your home For Sale by Owner. The Internet is an excellent place to begin your research. The Internet is loaded with just about any topic you can think of about selling your home. So be sure to take the time and do some reading for attempting to sell your own home. There are a lot of websites that can offer assistance when trying to sell your house FSBO. You can easily list your home for sale on the Internet. And although this may cost you an additional fee, think of it as a great way to advertise your home to potential home buyers. If you can market your home on the Internet for a small fee and it sells, it will be well worth the small amount of money you spent. The more exposure your home gets the more potential it will have for selling.

Many people will try and discourage you from selling your home on your own. Many believe that your will not be able to successfully sell your home. Post why? Because many people do not make the effort needed to sell the home. Yes, it may be a lot easier to sell your home with a realtor, but it will also cost you a lot more money.

Now that you have done the research and made the decision to sell your home FSBO, you are probably wondering where you should go now. Begin by making sure the home is up to par before listing it. Make any necessary repairs to the home before placing the house on the market. You want buyers to see the full potential of the home.

Be sure that you are listing your home for a fair market price. If you list your home too high, it will sit on the market for a long time. However, if you list your home for too little, you will end up losing a lot of money. Research other homes in your area to see what they have recently sold for or are currently listed for.

A great way to get interested buyers is through an open house. It is important that the first couple of open houses may only draw people who are inquisitive about the home. Neighbors and friends way want to come through the home to see what it looks like. Therefore, it is important to understand that you may need to host several open houses before getting a potential buyer. Most serious home buyers will be pre-approved before they begin their home search. However, there are some prospective buyers that are truly interested in purchases your home, but are not pre-approved. Therefore, when hosting an open house, it might be wise to have a lender on hand who can help with getting a serious buyer approved for a loan. This will help to speed up the process of selling your home FSBO.

Being prepared for anything that comes your way will help you in quickly selling your home. Have everything you need in place before listing your home and having an open house. This will help to eliminate any delays that could possibly occur. Be sure that you have a price in mind that you are willing to settle on. Therefore, once an offer comes in, you will know what step you need to take next.

Selling your home For Sale by Owner can often times be a challenge. But it can also be a rewarding experience both emotionally and financially. Knowing that you have taken all of the proper steps and successfully selling your home will be the desired end result. So do not let anything stop you from listing your home as a For Sale by Owner home. With some hard work and patience you can sell your home.

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Source by Alan King

Finding the Best Real Estate Agent

It is imperative to find a good real estate agent in order to make the transaction process smooth and hassle free. It is not necessary that the largest amount of brokerage fee would necessarily fetch you the best real estate agent. Rather, the best real estate agent would be an experienced professional who would understand your needs, maintain an ethical behavior throughout the transaction process and know the market well enough to help you get the best deal. Selection criteria is unique to the investor as it depends on the types of real estate being purchased and the location of the investment, however it is important that the investor is comfortable with the agent representing their interests. Once you have identified a list of qualified agents, the final and most important step would involve interviewing the agent. Similarly, you may also know that the agent is good through the questions asked by the agent, which can further qualify the agent. Selecting the first agent you meet is a mistake that many real estate investors make and its one that can easily be avoided.

One of the key reasons that a real estate agent stays in the business is because of referrals. Satisfied clients often refer these agents to their families, friends, co-workers and neighbors. Therefore you may ask your colleague or friend to suggest the name of a good agent whom they have worked with and been happy with the entire procedure. Customer satisfaction is one of the primary aspects to judge the quality of the agent. The greater the number of satisfied clients, the more successful and reputed an agent would be.

You may also take the help of the Internet to browse through a number of agents enlisted on different websites according to their reputation and success factors. However, there is no guarantee that whatever is stated in the websites is essentially true or complete. You may still try the reputed search engines and go through the individual profiles before selecting interviewing the agents you identify.

Attending open houses can be a good way to meet real estate agents. You may also collect their business cards and make notes on them about their ways and methods of selling and promoting properties.

Keep a track of your neighborhood signs and keep records of the day they are sold. The agent who sells the property in the shortest time would definitely be a better agent and may have enough connections to find you the right deal. Ultimately, it is the end results that actually matter.

Printed advertisements can also be one of the ways to find a good agent. Advertisements by these agents are aimed to serve the dual purpose of selling the property as well as promoting themselves. Check out the Sunday newspaper and contact some of them to find out more about them and their experiences.

Another way to find out the best agent can be through professional recommendations. In most cases, agents are happy to refer sellers and buyers to their friends and fellow associates, especially if the service required by you is not an area of their specialization. While some agents may deal only in residential resale, others may work only with new property builders. Experience is a valuable time saver and therefore important to most investors.

Finally, before hiring the agent you need to ask some essential questions, the answers to which can help you in making the final decision. Enquire about the time period the agent has spent in this business, the average ratio of sales price to list price, the marketing strategy that the agent would employ to meet your needs and the top three things that distinguishes the agent from the others in the market. You may also ask the agent to provide some references and whether you can have an attorney review the documents before you sign them. Do enquire about his fees and about the kinds of guarantee that he has to offer. Find out whether he can help you in finding other professionals like accountants and lawyers and finally ask him whether you missed out on anything that you need to know.

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Source by Kris Koonar