Is it Better to Short Sell Your Home Or Just Let it Go Into Foreclosure?


This is the question that every homeowner facing foreclosure requests at some point during the process. It takes a little effort to complete a short sale package. It seems like it took less work to get the original mortgage. So why bother trying to sell your home when it's easier to let the bank just take it? There are several reasons that millions of Americans all over the country choose to short sell their homes rather than face foreclosure.

# 1 It Stops the Process

The short sales process almost always puts the foreclosure process on hold. Once you notify your lender of your intention to try to sell your home they will halt the foreclosure proceedings to give you the time you need to market your home. You can rest a little easier knowing you've got time.

# 2 It Gets Resolved Quicker

Short selling your home gets you back on your financial feet much sooner. From the time you decide to short sell your home to the time it sells could be as little as 3-6 months. This is much faster than the foreclosure process which could take much, much longer. The sooner you get the short sale past you the sooner you can start rebuilding your credit and get on with your life.

# 3 It's Less Damaging To Your Credit Rating

Short selling your home is less harmful to your credit than foreclosure. According to professional estimates a short sale item on your credit report will reduce your credit rating by as little as 60 points. Of course, the better your credit before the short sale more your credit will be affected. But no matter what, your credit will be much more adversely affected by a foreclosure mark on your credit than a short sale.

# 4 It's More Financially Responsible

If you go into foreclosure you will be issued a deficiency judgment by your lender which will attach to your credit records and will prevent you from buying other property until it's paid off. If you short sell your home it is much less likely that you will receive a deficiency judgment. But, if they do issue one, it will be much less than it would have been if you went into foreclosure.

# 5 It's Not That Hard

With free help and tools available on the web you will realize that the process is actually quite easy and simple. You fill out a couple of forms and provide some information and the process moves on from there. In no time you'll find a buyer and the bank will accept the offer. You'll close the transaction and be on to rebuilding your credit and financial future.

# 6 The Federal Government will give you $ 1,500 at closing.

The Federal Government has enabled a new program called HAFA. If you qualify you will receive $ 1,500 to go towards your expenses at closing when you short sale your home. The government has really streamed the short sale process and now most homeowners will receive $ 1,500 at closing. If you let the bank take your home you get nothing.

The short sale process requires a little bit of time and effort but the benefits are definitely worth it.

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Source by Gary Bodley

Th13teen – For Sale by Owner

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Top 10 Tips For Selling Your Home


If you are currently considering selling your home then there are certain things that you can do to ensure that you get that all important sale. Certainly, with the way that the economy is currently selling your home has become more difficult and it is now a buyer's market. Below we offer 10 top tips for selling your home and which should hopefully help you to realize the price you are after.

Tip 1 – Before you put your home on the market it is a good idea to do some research beforehand. The quickest and easiest way of doing this is through looking as a few property classifieds in your local newspapers or by going online. This way you can gather information regarding what prices houses similar to yours are selling for current.

Tip 2 – It is important that you find yourself a good agent to sell your home for you. Rather than going with the first one you come across spend time doing a little research into each one. Do not be afraid to ask friends, family members and work collections if they can recommend someone to you. The other choice is to sell it privately through the property classifieds, but if you do need to be aware of the right procedures to follow first.

Tip 3 – It is important that you first put yourself in the shoes of any potential buyers of your property and make a list of its positive features. Then think of ways that you can enhance these further and so ensure that you get a more positive reaction from those that come to view it.

Tip 4 – Getting your house looking great inside is critical but you need to make sure that the house looks great outside as well. Remember the first thing that is going to be making an impression on any prospective buyers of your home is the front area. So make sure that this area is kept clean and tidy at all times.

Tip 5 – Although you may like the lived in feel to your home if you want to make it then you need to make sure that you show it to its full potential. If you need to remove as much clutter as you can from your home and put it into storage until the sale has been completed. If there is too much in any room it can make them look much smaller than they really are.

Tip 6 – Getting those little jobs done that seem like a waste of time and money to you can actually stop you from getting the price you want when selling your home. So spending a little could end up making you a lot more than you originally expected. No one wants to buy a home where they are going to have to spend money on making it liveable for them especially in today's economic climate.

Tip 7 – Although you do not think your home needs it repainting the main rooms in your home in neutral fresh colors is a good idea. This way the prospective buyers will be able to see the rooms more clearly and get a feel for whether their own belongings will fit into them.

Tip 8 – It is important that before every viewing you make sure that your house is clean and tidy. This is especially important if you have pets as though you may not be able to smell the odors potential purchases will.

Tip 9 – Spend time on staging the rooms to show them off to their full potential. By doing this you can actually get rid of those pieces of furniture that are not required and either sell them or put them into storage. As you do this make sure that the focal point in each room stands out so if you have a wonderful looking fireplace make sure that it is not hidden behind ornaments or sofa.

Tip 10 – The final 10 top tips for selling your home that you may find useful to use is to put the coffee machine in prior to any potential buyers arriving. It may seem a silly thing to do but the smell as they come into your home making it more warm and inviting and definitely gives them the feeling of how loved the home has been.

Hopefully you will find that the tips we have provided above extremely useful and should get you on your way to selling your home at the price you want.

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Makler Heidelberg


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Source by Martin Davis

Selling Real Estate Without An Agent – Save $


Making profit from real estate investment is not only about sound buying and doing the right things if you are renovating for profit, you can also increase your profit by saving on costs when selling the property.

Most people use real estate agents to sell their properties and you can negotiate with various agents to get better deals so that you are not paying too much in commissions and advertising.

Another way to increase your profit is to sell your property yourself, without engaging the services of an agent at all. Depending on where you live, this saving can be quite large and can increase your percentage profits that you make on your real estate investments.

However, make sure you consider all the steps involved in selling your own house before embarking on doing so, as if you do not do this correctly, you may lose out in the end by either not selling your house within an acceptable time frame, or Getting a lower price than what the property could have acquired with an agent. Here are some of the points to consider:

1. Do you have the time to sell your own property. If you have a full time job that is not flexible on time, and if your family or other commitments limits your after work hours, you may not have any time to sell your property. Selling your own property can be time consuming as you need to do open houses, answer phone calls from prospective buyers, conduct your advertising and marketing, conduct negotiations with prospective buyers and then complete the necessary paperwork and contracts once you have a buyer;

2. Do you know what to say to potential buyers when they come to inspect the house. You need to know how to deal with them and what to say, as this can make or break the deal;

3. Can you make your house look good? You need to make your property attractive to the buyer – this will help you get the best possible price and sell in the least amount of time;

4.What are you like at negotiating with buyers? Can you negotiate with buyers, even really difficult ones that might criticize your house and then offer a ridiculously low price. If you are the sort of person that gets emotional in negotiations and does not like confrontations, you may want to take this into consideration as there are many people out there who are not the nicest when purchasing property. They are all out to get the best deal possible and not to make friends with you. You will also run into a lot of time wasters, which can be very frustrating and tiring for you. Make sure you take this into account.

5.Can you conduct research into the local property market? Your potential buyers are going to know the local market and what property is worth. You need to have this kind of information on hand when dealing with buyers otherwise they can try to pull the wool over your eyes or they may lose confidence in you as a seller

6. Can you prepare a marketing plan? In order to compete with the other properties on sale in your area, you need to market your property just as well as the people including doing property plans, brochures, listings on internet sites etc.

The potential is definitely there for you to save thousands of dollars by selling property yourself. The good news is that there is a lot of information available on the internet that can help you sell your property without an agent and take you through all the steps in doing so – helping you avoid the pitfalls and traps, and how to sell your property For the best price in the shortest space of time.

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Source by Colin Lim

El generador de ilusión : con la mente en el negocio y el cliente en el corazón (Narrativa empresarial)

El generador de ilusión : con la mente en el negocio y el cliente en el corazón (Narrativa empresarial)

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Sell ​​Your Own Home – Revealed: FSBO Information that Realtors Do not Want You To Know! Pt. 1


Selling your own home is attractive to many people. In this article, we will look at the good and bad of going For Sale By Owner or FSBO.

Why would you want to sell your own home?

Obviously, you have the potential to save yourself money. By selling your home yourself (For Sale By Owner or FSBO), you can save the commission you would normally pay a real estate agent (often as much as 6% or more!)

You may need to sell your home quickly. By lowering the asking price by the amount you save on commissions, you may be able to price your home below market value, still make the same profit, and sell it as quickly as possible.

You are probably the perfect person to show your home to buyers. Who else knows your home and vicinity better than you do yourself? Probably nobody! So, who better to tell others about your home? (Be careful here. You may know all about your home, but you do not know just what may excite or turn off a potential buyer)

You can keep better control of your life. If you are setting the viewing appointments, you can choose when to have the prospective buyers come see your home. If you are not feeling well, or did not get a chance to clean up after the kids this morning, you can schedule the buyers to come through later in the week!

These are just a few of the advantages to selling FSBO. Now let's take a look at some of the downside to selling your own home.

Difficulties in selling your home on your own?

Do not let this scare you off, but there are some potential problems when you try to sell your own home.

Many Buyers look at FSBOs for the same reason many FSBOs try to sell on their own … Saving Money! Now, that probably is not a surprise to you, but think about what it really means. Both the buyer and seller are trying to save the same money on the same house. There are ways to work around this, but do not get defensive when someone comes in and makes a "low-ball" offer on your home.

At least some of the money you save from not paying the Realtor's commission will still have to be sent on marketing your home. Yard and directional signs, newspaper ads, flyers … it all adds up. You can still save considering money, just make sure you budget beforehand for these expenses!

You are still going to have to deal with Realtors! It is a fact that most FSBOs get an average of 2-3 times as many calls from Realtors as they do from buyers! Especially during the first weeks you try to sell on your own. We'll talk about how to deal with these calls in a bit.

Speaking of phone calls, expect to get them from Realtors, buyers and "lookers" at all hours of the day and night. It is often difficult for a seller to know who is actually a good prospect, so you will probably show your house much more often, for the same results. Also, you should have a way for buyers to get in touch with you immediately, which can be difficult if you work, or go shopping, or go to soccer games, or to … well, you get the idea! At the very least, you will need to get a good answering machine.

You will need to answer your messages regularly! The more motivated a buyer is, the less time you have to respond to them. You are probably not the only one they are calling, and if you wait a few hours to call them back, they will have moved on to another house.

Last and possibly most important, you will be competitive against all the other home sellers in your area, and that includes those who have listed their house with a Realtor.

A good real estate agent does offer many advantages to their clients. The agent has access to the Multiple Listing Service (MLS) and probably works in an office with many other agents, all of which have buyers looking for different types of homes. They can advise you of the best selling features of your home and anything you can do to give your home more "curve appealing" so it will sell quickly. You will have to work harder without an agent, but you expected that, right? After all, you are saving their commission!

Preparing your home to sell.

OK, good. You're still with me. You can work around not having an agent, and possibly even get one to do some of the work for you for a lot less, maybe even for free! But first, let's get your home ready to sell.

First, get rid of clutter. Empty closets, clean the garage, if you do not need it, get rid of it! It is amazing what most people (myself included) can accumulate in just a few years of living somewhere! Get rid of as much as you can! I know it's hard, (get a storage unit if you have to) but I can tell you that 99 times out of a hundred, the house with minimal furniture and knick-knacks will sell a lot faster and for more than a house with all That stuff still in there. Plus, getting rid of the excess stuff will save you a fortune on your move!

Once the clutter is gone, clean your house. Better yet, save time and effort by finding a reputable cleaning service and have them do it! Ou want the house to be immaculate. If your home is really clean, buyers will feel that you have also kept it in good shape.

Speaking of clean, if you have any pets, or if you smoke, have a friend or relative come over and smell your house. We do not see or smell what we get used to. I've been in homes that absolutely reeked of pet odors or cigarette smoke, and the owner could not smell a thing. This can cost you thousands!

Make minor repairs, or hire someone to do it. Little things can really turn off a buyer. They get the impression that your home is not well cared for, and that costs you money! Paint a wall, fix a dripping faucet, replace a burned out bulbs, all those little things you've been meaning to do … get to them!

There's a reason it's called "Curb Appeal"

Your home's entry makes the first impression on your buyers. Paint the front door, it really helps your home look inviting. Bright colors are considered welcoming, many experts believe that red is the best color. Clean around your entry, if your screen door is unsightly, repair or replace it.

Mow the grass, rake up the leaves, trim those overgrown bushhes, plant fresh flowers! If it needs it, seal the driveway and cracks in the walkways … your home will look very welll cared for!

Next, get your family mentally ready for what's coming! Having strangers walking through what is a private, secure space, is unsettling for everyone. Explain what is happening to young children. Who knows, you might even get them to keep their own room clean!

Finally, depersonalize your house as much as possible. The family photos of great-uncle Jesse may mean a lot to you, but will make it that much harder for buyers to imagine themselves living in your house.

Well, that's it for now. In the next installation, we will talk about setting up your team, pricing your home, attracting potential buyers, showing your home, and accepting the offer.

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Source by Bob Beavin

BounceBack Today From Short Sale Or Foreclosure!: Surviving Foreclosure, Financial Hardship, Bad Credit, and …. How You Can RE-Create A PROFITABLE Future

BounceBack Today From Short Sale Or Foreclosure!: Surviving Foreclosure, Financial Hardship, Bad Credit, and .... How You Can RE-Create A PROFITABLE Future

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Makler Heidelberg


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FSBO Sales & MLS Listings


Traditionally one of the major drawbacks to FSBO selling is the fact that the home was listed with the MLS listing service, thereby mission out on a huge market and a top-notch advertising opportunity. Well, this is no longer the case! Now people who have chosen to sell their homes themselves have the chance to list their home on the MLS and open their sale up to a huge market that was before, unreachable. This is done through what is known as a "Flat Fee MLS listing."

MLS Listing has always been something that was exclusive to licensed real estate agents, and to an extent it still is. A flat fee listing is still done through a real estate broker, the difference being that when your property is listed you become the listing agent. You will still have to pay a commission to an agent if they bring you a client that purchases the home but that is small in comparison to the savings you will get by selling the home yourself.

Listing via the flat fee MLS is only one of the things that you should do in order to give your FSBO home the coverage it needs to sell quickly. Other avenues that should be explored are advertising on a national FSBO website, ads in the newspaper, signs around the local area, open houses and home info packages for viewers. Selling your home yourself is a huge undertaking and it will eat up a lot of your time. You have to play realtor as well as doing your normal daily job and this can be kind of daunting. You will have to make sure that you keep yourself as available as possible at all times, you can not afford to miss that show that could be the sale you have been waiting for.

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Source by Kevin Bilberry