Can You Really Buy a Timeshare for $1?

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These days even a quick search for buying timeshares online will bring up articles and forums discussing timeshares for sale for $1. Why are there timeshares available at such insane discounts (sometimes listed for between $1 and $100)? Is it a good idea to buy timeshare from owners on FSBO sites?

As licensed timeshare brokers, we’re prone to be a bit biased. Still, the truth is that you can find some great timeshares for sale on FSBO sites; but there are almost always other considerations. We offer our take here:

Why are There Timeshares for Sale for $1?

The main reason you can buy a timeshare online at such deep discounts is because the current owner either isn’t using their property or can no longer afford their maintenance fees. Owners in this situation are usually just looking to “unload” their vacation property and relieve themselves of their annual fees.

So how do you buy timeshares safely and securely from FSBO owners like those described above? The trick is to ask the right questions, research carefully and know who to talk to. Here are a few key questions to ask FSBO owners, along with a brief explanation of why they’re important.

  • The first question you need to ask the seller is, “is the deed paid in full?” This question is essential. If the deed isn’t paid in full, you’re not getting a timeshare for $1, you’re inheriting a debt.
  • You’ll also need to ask, and get written confirmation as to whether the owners are current on their maintenance fees or penalties. If there is remaining debt associated with unpaid fees or penalties, will the seller take care of the remaining balance, or will you inherit that deficit?
  • Who will pay for the closing costs and timeshare transfer? There are administrative costs associated with everything from document preparation to taxes, as a buyer in an FSBO transaction, it’s important to discuss whether you (the buyer) will be cover the closing costs, or if the seller will take care of them.
  • Discuss who will handle the closing and the escrow process, and research that closing company on our own.
  • Finally, and perhaps most importantly, be sure the owner actually has the right to sell their timeshare. In some cases, an owner is not legally entitled to conduct the sale of their timeshare property, so any contract you sign may be invalid. Contact the resort directly if the seller can’t provide you with proof… but don’t fall for their pitch to buy from them – you’ll spend thousands more.
  • As with any real estate transaction, it’s a good idea to hire a lawyer to take a look at all associated contracts and paperwork.

These are just a few of the legal logistics of buying an FSBO timeshare. There are also convenience issues. When you buy a timeshare directly from the owner your choices are very limited. You’ll be forced to make a decision based on what was a perfect fit for somebody else’s family; but not necessarily your own.

If you know the specific resort, season, unit size and usage type you’re looking for, you may have luck conducting a very specific search, but if you’re just browsing for good deals, you will find your options lacking.

If all this sounds too complicated, or if you’d like access to virtually any property, week, or unit-size, you may want to work with a licensed timeshare broker.

Brokers will not only match you with a vacation ownership opportunity that’s exactly to your specifications, they’ll also handle all the logistics. Just be sure to check your potential broker’s BBB accreditation and licensing.

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Source by Donald Nadeau

Foreclosure Advice – What to Do If You Have Bad Credit, No Equity and No Money

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The home foreclosure numbers continue to be frightening. According to the 12/9/09 MarketWatch article, Foreclosures could top 8 million: Credit Suisse, Credit Suisse forecasts that over 8 million mortgages (8.1 Million to be exact) will be in some form of foreclosure in the next four years. So, there seems to be no relief in sight — at least for a while.

And, when you couple this with the fact that many struggling homeowners have no savings to pull them through; no equity in their homes to tap; and bad credit that prevents them from getting any kind of loan — it leaves them in a financial pickle.

So, what exactly do you do when you have bad credit, no home equity and no savings? Here’s some concrete advice about how to get back on your financial feet.

Foreclosure Advice: Should You Even Try to Stay In Your Home?

Because foreclosure is an emotional, as well as a financial process, it can be hard to make sound decisions. But, in order to see your way out of this mess, you must somehow remove emotion from the process and consider the pros and cons of trying to hang onto your home.

Foreclosure Advice: When Foreclosure Is a Blessing in Disguise

For, “losing” your home can be the best thing that could happen — in the long run. It’s all in how you look at it. Consider this, if you don’t qualify for a mortgage modification; are under water and can’t refinance; and have bad credit, you may need to seriously consider letting your home go into foreclosure. Or, try to sell it in a short sell or do a deed in lieu of foreclosure.

Without this financial albatross around your neck, you will be able to start over. With a lesson learned, you will hopefully make better decisions moving forward.

Foreclosure Advice for Those Who Want to Keep Their Home

If you have scarred credit, no equity and no money then your best bet is a mortgage modification. Why? Because your lender is the party with the most to lose if you walk away from your home. And, with bad credit, no other institution is going to give you a loan — so that’s out of the question.

If you have no savings, you can’t dig yourself out of a hole, ie, paying arrears or buying something cheaper.

And, with no home equity, you can’t refinance — so that’s not an option.

So again, your only true option is to try to work something out with your existing mortgage holder. There are government programs set up to help homeowners stop foreclosure. But again, if you find that you are ineligible, your best option is to hound your existing lender into giving you a mortgage modification, etc.

The best piece of foreclosure advice is probably this: The only way to get out from under a difficult situation like home foreclosure is to face facts. The sooner you do, the sooner you can make some concrete decisions and move on with your life.

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Source by Yuwanda Black

What Should Your Real Estate Agent STAND For?

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Although, there are many licensed, real estate agents, etc, the reality is, all agents are not created, or perform, equally! Since, for most Americans, the value of their house, represents their single – biggest, financial asset, wouldn’t it make sense, to carefully, select, and/ or, choose, the individual, who might best represent their interests, in the best possible way? Besides, the many skills, expertise, and experiences, a quality agent, should possess, and needs, to exceed his client’s expectations, he must have the quality of character, and principles, which differentiate, him, not merely by his rhetoric, and/ or, promises, but, rather, by what he truly, |0484540cbf9fe169d34daec9989517bb|for? With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, using the mnemonic approach, what this means and represents, and why it’s important to you.

1. |6efd92686a3e9dcecd0576a8cdcd4583|Your agent must prioritize, offering the finest service, to you, based on your personal needs, priorities, and situation! He must have the strength of character, to provide viable, quality solutions! This must make the selling potential of your home, stronger, and more meaningful, and bring about a sale, which produces the best combination, of, price, process, less stress, and bringing about the best deal, available!

2. |1077af609e21a93aacac78bbe8b1531f|An essential responsibility of the individual, you choose, and hire, should be, training you, to join, with him, with the teamwork, which places you in the best position, possible! He must know, and use the time – tested, ideas, etc, and proceed, in a well – considered, timely manner! Recognizing relevant trends, and using the most applicable ones, differentiates an average agent, from the rest – of – the – pack!

3. Attitude; aptitude; attention; articulate; actions; action plan: It takes a positive, can – do, attitude, combined with a well – developed, relevant aptitude, to make the finest representation! Both agent and client, must pay keen attention, and be prepared, by agreeing upon, and using the best possible, action plan, and taking timely, well – considered, actions!

4. Needs; nuances; niche: Agents must know, recognize, care about, and address the needs, and perceptions of their clients! They must identify the property’s niche market, and proceed, with the nuances, which might best fit, the specific set of circumstances, etc.

5. Delve deeply; discover; determine; deliver; dollars: You are generally, best represented, by someone, who delves deeply, in order to discover, and determine, the best course of action! Instead of over – promising, hire someone who will deliver, and bring you, the dollars, and other terms, you seek!

Know what you want your agent to STAND for, and hire the right person, to best serve and represent you! Protect your investment, reduce stresses, and choose wisely!

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Source by Richard Brody

Real Estate Deposit vs Down Payment

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When you’re selling your home, you have to be familiar with related real-estate lingo. You have to know the difference between a canopy and an awning; a mortgage and a loan; and most importantly, the difference between a deposit and a down payment.

Believe it or not, there are a lot of home sellers who think that deposits and down payments are one and the same, when in reality they are not.

A deposit is the money given or handed over to the owner when a buyer indicates a sincere desire to purchase the property being sold. It is a token amount that could be as small as a few hundred dollars, or as big as 5% of the total purchase price. The deposit can be returned when the transaction does not fall through for reasons beyond the control of the buyer, and can also be forfeited in favour of the seller. When the purchase pushes through, the deposit is credited to the buyer and forms part of his down payment.

A down payment or equity, on the other hand, can be considered as an initial payment on the property itself. It is given when the buyer has decided to actually purchase the house (unlike in deposit, where it is given when the buyer indicates a desire to buy the unit). The down payment is the total amount of money a buyer can give as a partial payment and is generally of a bigger value (10% of the total property cost, or more) than regular deposits.

It’s fairly easy to differentiate. Just remember that a deposit is smaller and, once the transaction pushes through, becomes part of the down payment. The total of these two, plus any outstanding balance, should be the agreed upon purchase price of the property.

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Real Estate Agent Goals

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When you first enter into the real estate business, it is easy to be intimidated by more experienced practitioners who seem to be able to sell a house at the drop of a hat, often earning hefty commissions as a result. By contrast, you are slaving away with a couple of clients and seem to be getting nowhere fast.

However, it is important to remember that even the best agents had to start somewhere and, as a beginner, you will often be working with properties that those with more experience don’t want to work on. As such, it is important to not only absorb all of the information that you can during these formative years, but to also set yourself goals so that you have a target to aim for and something tangible that will determine whether or not you’re successful.

Overall Sales Numbers

The amount of properties that you are able to sell in a month or a year is related to a number of issues, which include the time and effort that you put into the job and the quality of the properties that you are working with.

Consider all of these aspects and what effect they have on your overall sales goals and then set yourself difficult, yet realistic targets based on that information. This will make you work just that extra little bit harder to hit your goals, allowing you to gain valuable experience along the way.

Sale Prices

The odds are pretty good that your first few sales are going to pull in a little less than the average for the property that you have sold. That’s OK, as this is all part of the learning process and it at least allows you to rack up some numbers and put yourself in line for some better opportunities.

However, it also allows you to set yourself another goal. Consider the types of properties you work with and use the available information to figure out average sale prices. As soon as you can start hitting or exceeding that price, you are on your way to success.

Your Salary

When you entered the industry, did you have a five or ten-year plan for where you wanted you base salary to be after you have gained some experience? If not then it is important that you make such a plan, with milestones along the way, so that you can track your personal progress.

Understand how much real estate agents in your area make after 1, 3, 5 and 10 years in the business and use these figures to determine your own plan. If you are failing to reach the salary that you anticipate, this is a good sign that you need to change something about your approach.

Grow Your Reputation

To start working with some of the best properties, you need to make sure you do things that get you noticed. In the real estate industry, this usually means selling properties. Never underestimate the amount of work you will be doing and always be prepared to rise to any new challenges.

In fact, one of your goals should be to place yourself in a position where you can take on new challenges in the first place, but that will only come as long as you keep networking and building on your reputation.

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Source by Bill Len

What Is Owner Financing?

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Owner financing is a common way to do a Real Estate Deal. A potential buyer finances the house through the person selling the house. This occurs when the buyer is unable to obtain funding through a bank. The seller will agree to seller financing if he or she is having difficulty selling the property. This happens when the buyer doesn’t qualify for a loan. The seller decides to become the bank and carries back the financing of the house. The buyer must provide a down payment to make a successful seller financing deal. Once the seller provides the down payment, the buyer receives monthly payments for a term of usually 30 years.

Owner Financing factors
This my sound like a good deal, but the buyer must consider some key factors before doing a seller financing transaction.

The buyer must decide if seller financing is the right option.

The seller can go through a series of life events. The seller can stop paying monthly payments because of a layoff, a medical emergency, a family emergency, the seller is an irresponsible person, and pay bills.

The buyer must consider what can happen in the future. The buyer must become the bank and ask for payments. He must put those payments into a savings account. The buyer must be willing to put off his financial dreams like going on a dream vacation, buying a second home, sending their kids to college and having a retirement fund. Thirty years of saving monthly payments can be a hassle if not handled correctly. It takes a high level of commitment and responsibility to save thirty years of monthly payments.

There are many factors to consider to do owner financing. The buyer must decide if this commitment is right for him.

Now, owner financing can be a great decision for the buyer. He can make a huge return on investment by accepting a big interest rate. The buyer can choose to accept a thirty percent down payment to get the seller committed to the owner financing terms. Also, the buyer will enjoy monthly payments and the stability it provides.

Owner financing can be a great financial instrument, but you must be dedicated to managing the monthly payments. Make sure that you might an educated decision before doing owner financing.

Now, if you have a Real Estate Note or any type of Note secured by property, receiving monthly payments, sell your real estate note and get cash for your Real Estate Note, you have the option to sell the real estate note. I can help you get the best price for you real estate note.

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Source by Mark NMI Martini

Set the Stage For Your Own Home Selling Success Story

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There’s a new wave of home shows on TV these days and the focus is on getting a house seen and sold quickly and for top dollar. These shows feature all the elements of a good plot; drama, comedy, suspense, bad guys, victims, good guys, and always it seems a happy ending.

The drama unfolds with the scene set as the sellers, our victims, are obviously in desperate need of a quick home makeover to sell the place. The bad guys, the Realtor or potential buyers walk through the willing victim’s home and offer candid, sometimes crude remarks on how the house shows. The victims generally sit like rabbits in hole at a neighbor’s house and watch on TV as the scene unfolds and what these bad guys have to say about their place.

Yikes, they need help! Here they come to save the day, the helpful crew, our heroes; stagers, designers, painters, carpenters, camera men and of course our host, to the aide of our sellers. They will rescue our victims and the sale of their home by getting it spiffy for sale in less than 2 days and for less than it costs for a day at Disney World. Everyone’s happy and the show, I mean sale, is a success!

How can you as a home seller create this same experience without America watching but reach your intended audience – the buyers in your market? I’ll tell you how, STAGE your own property!

Staging is a marketing tool that highlights you home’s best features while minimizing the negative. Staging is not about your personal style or taste.

Notice in most of these shows, the designer will “neutralize” the space and strip away the often outlandish, messy or outdated style of the owners in question. It’s about selling the space, the house itself, not the contents. Buyers want to envision themselves in this home, not your house.

Treating your house like a commodity for sale on the open market is the first step in separating yourself from your home, it is now a product. It gets easier after that.

Here are a few simple tips to start you on your way to your own successful sale;

1. Declutter, depersonalize and deep clean your place. All the little knick knacks, kid’s artwork, family photos and rooster collections need to be packed up and moved to storage. Save them for your next place. Remove items not permanently adhered to counter tops in bathrooms and kitchens especially. You have to pack anyway, get started early! Get the house cleaner than you ever have before, including the grout, wall plates, door frames, carpets and windows.

2. Neutralize vibrant wall colors and remove wallpaper, even if it is a “designer” color, faux finish that was popular 5 years ago or took 18 hours to dry. Buyers want a home that is move in ready and despite what you feel about the colors you love, buyers probably won’t and will look at it as work to do – not move in ready. You can’t go wrong with a warm beige or taupe or an antique white. A fresh clean palette speaks volumes.

3. Remove unnecessary furniture and rugs to storage. Keep only the necessary pieces to show placement and scale of the room. If your furniture is really in bad shape, consider buying few inexpensive newer pieces or slip covers, you’ll be taking it with you to your next place so why not slurge a little? Rugs tend to create a disruption in flow, especially if they are small and scattered about the house this includes bathrooms. One anchoring rug in proper proportion per room is fine if not too busy. Buyers are purchasing square footage, space, flooring, architectural details and counter tops, not your furniture. Show them what they’re getting by highlighting the house not your stuff.

4. Find the focal point of the room and highlight it, don’t make it compete with something else. Maybe it’s the fireplace or the beautiful view, sell the focal point, don’t hide it! Large TV units are notorious for overshadowing the focal point of many rooms, if you can move it or store it while selling you’re way ahead of the game.

5. Create curb appeal both in front and back of your property. Freshly mowed and edged yards, mulched flower beds and seasonal flowers welcome visitors to a home that says, “I’ve been well cared for.” Removing all excessive lawn art and equipment invite the buyer in and allow the imagination to flow. Keep hoses tight, pool toys stowed and bbq grills to a minimum and out of sight especially if they’ve seen better days.

By doing these steps prior to listing and showing your house, you’ve improved one of the biggest factors in the successful sale of your home, the condition.

You as the owner are the only one who can control that. So whether you invite an HGTV crew, a professional home stager or a neighbor over to help you, you’ve chosen to make your house the star of the real estate show in your local market, one that you have produced yourself and one that will most certainly have a happy ending.

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Source by Karen Otto

FSBO Selling Tips

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For sale by owner. The words may strike fear into your heart, or you may find them to be the beginning of an exciting journey. There are some advantages to selling your house by yourself, not the least of which is getting to keep all of the proceeds from the sale. There are some things you need to keep in mind if you do intend to sell your home yourself. Here are some top tips to make the sale a success.

First, make sure your home is in top shape. If you need to do a little landscaping to boost your curb appeal or touch up some paint to make things look fresher, do so. You’ll also want to remove any clutter from the kitchen counters or out of the rooms. People want to be able to envision their stuff in there, and it’s harder to do when your stuff is distracting them.

A good cleaning is also in order, removing any dust and cleaning the carpets along the way. Obviously, if something needs fixing, you will want to take care of first, or disclose what needs to be done in the sale. This means you’ll sell for less, but you also won’t incur the cost up front.

Next you need to price your home. This is one of the hardest parts of selling your house. You need to get an accurate price on it without undervaluing it too much. Then again, you don’t want to overprice it and keep people away, or worse, make them buy the house down the street. You will need to do a lot of research on similar homes in your area. Once you can get an estimate of an average cost, you’ll be better able to price your home correctly. You’ll also need to factor in market trends – is it booming or backsliding?

Even if you do decide to sell without a real estate agent, you shouldn’t go it alone. Finding a good attorney who specializes in real estate will be a small investment with big dividends. Your attorney can review all of the paperwork to ensure that it is drawn up correctly and that it doesn’t cause you any harm. They will also make sure that you adhere to all fair housing act requirements.

Now it’s time to market your house. It can be tricky, and the first two weeks are the most critical. There are select websites that specialize in being a place that FSBO sellers can go to advertise their homes. You will also need to write a good ad that is concise but still gets all of the information out. To help you with the phrasing, you can always take a look at the real estate ads in the weekly paper. If one makes you cringe, don’t use it as a model. Ads that inspire you and make you want to see the house will be your guide.

The most important part of marketing is not whether you tie it to a Facebook page, but that you put in the most important details. People want to know how many bathrooms a house has, or whether it’s near schools.

Selling your home by yourself can be done, and it isn’t as painful as it might seem. Nor will it be as lonely a process as you might think. These tips should make FSBO much more achievable.

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Source by Bill Len

How to List an FSBO Home

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Did you know that nowadays only one-third of all home buyers used a real estate agent? Did you know that a seller can utilize MLS listings on their own, without an agent? In today’s real estate market these are absolute facts! It is now much easier and more profitable to sell your home as a “For Sale By Owner” (FSBO) home than ever before. To ensure you earn all the money you can from selling your home, do it yourself! Forget the agents! Only you will have your best interests at heart when it comes time for you to sell your home anyhow. There are some things you must know how to do first though before you do sell your own home. We will examine some helpful tips in this article.

First, check the records on your property. Utilize your county courthouse files and personnel. Be certain there aren’t any liens or legal claims of someone else to take ownership of your home. If you want to stay clear of the courthouse a real estate lawyer can also help in this area. However, be sure to do this upfront! Now is the time to find out this information! You do not want to be unpleasantly surprised when you think you are ready to close a deal on your home.

Next, make sure you personally know the weaknesses and strengths of your property and home. This is another area where you do not want to wind up surprised! Have an inspection done early on by a professional inspector. They will let you know of any problems you have that need attention and are likely to impact your sale. You will be better off if you fix these problems right away yourself (using reputable professional services only.) However; if you choose not to fix them, you must adjust your selling price accordingly. Otherwise nobody will buy the home.

That leads us to the next tip for FSBOs – have the price of your home evaluated by an objective expert. Hire an appraiser for a few hundred dollars. They will be best suited to thoroughly evaluate your home and compare that evaluation to similar homes for sale in your town. This should not be a guessing game on your part! If you price your home too high, nobody will buy it. However; if you estimate it too low, you will be cheating yourself. Unless you happen to be an expert in this field, do yourself (and your family) a favor – get a professional home appraisal!

One last point in being an FSBO is to make sure you plan a selling strategy for yourself. Some research on your potential home buyers is in order here. Find out the things that stand out to them when they are looking for a home. Today only 36% of buyers will find out about homes from a real estate agent. That leaves a huge percentage of people that are looking on their own. Don’t forget – THEY want the savings offered by an FSBO too. When you discover what the public wants in their home, you can accentuate the features of your home that match their criteria.

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Source by Bill Len

Selling Property without A Real Estate Agent

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I am going to sell my property without an agent. This refrain is being heard more and more these days as the Internet and real estate market evolves beyond the realtor-based transaction.

FSBO is an acronym meaning for sale by owner. The advantages of selling as a FSBO are numerous. With real estate commissions of six percent, you are looking at immediately saving tens of thousands of dollars in commissions. If for some reason this does not entice you, keep in mind you can use the savings to undercut the prices of similar homes in your area. This will move your house quickly off the market and let you get on with your life.

The key to selling your property is to be prepared. First, you need to find out the value of the property by looking at comparables in your area or trying an online valuation service. Once you have the value in mind, you need to determine whether this is acceptable. You also need to determine what you are really willing to accept as a sales price once haggling is completed. Always make sure you know your bottom line and stick to it.

The next step is list the property online on a FSBO site. Over 70 percent of homebuyers now find their properties online as the realize there is no need to endlessly drive around looking at homes that they may or may not be interested in. By going online, they can see what each home offers and then visit the appropriate property.

Given the use of the Internet by buyers, it is vital that you spend the time to upload pictures with your listings. You are only going to generate interest if the buyers can actually see the property. Every site allows you to upload digital photos and you should do so. Take care to show as much of the property as possible so that you can generate leads that are truly interested in buying.

Sellers wonder if they are correct to think they can sell their property without a realtor. With the Internet revolution, it is easy to do so and save tons of money on commissions.

Immobilienmakler Heidelberg

Makler Heidelberg

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Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
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Source by Raynor James

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