How to Buy Foreclosures: Buying Foreclosed Homes for Sale in Wyoming: Buying Foreclosures the Secrets to Find & Finance Foreclosed Houses in Wyoming

How to Buy Foreclosures: Buying Foreclosed Homes for Sale in Wyoming: Buying Foreclosures the Secrets to Find & Finance Foreclosed Houses in Wyoming

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For Sale by Owner VS Foreclosure in Florida

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The state of Florida seems, on the surface at least, to be experiencing a real estate meltdown. Rampant real estate speculation, development and the sub-prime mortgage debacle are being blamed for the glut of homes for sale that has left the market upside down and many homeowners under water and facing the prospect of foreclosure. With many Adjustable Rate Mortgages (ARM) due to reset at higher rates the fallout may not be over. Further manifesting the situation is the insurance premium increases coming down the pipe to cover the devastation and property loss/claims associated with the last several hurricane seasons.

Compounding the problem is the expected increases in condo fees to cover property losses not covered by insurers. The fallout has created a unique opportunity to re-visit real estate opportunities right across the state. There are a couple of by-products to this type of market. One is a rise in For Sale by Owner properties. Homeowners are looking for any edge they can get when they are looking to get out from under a high equity mortgage or negative equity mortgages. A For Sale by Owner allows the homeowner more options when it comes to pricing. They can expedite the sale of the property by passing on the real estate commission savings associated with a For Sale by Owner. This can represent a substantial savings to the buyer and certainly make your property more attractive when you consider the real estate commission savings on a $280,000 property is $16,000! The For Sale by Owner also has more latitude when it comes to making their home “appear” to be more attractive.

They can offer creative seller concessions like “no condo fees for a year” or “0% financing for 3 years”. Essentially instead of passing the savings directly to the buyer they create a “package” that may seem more appealing. I have personally seen everything from “Free Plasma TV’s” to “Timeshares in Puerto Rico”. Creativity can certainly perk someone’s interest, but I tend to prefer a straight “cash” discount or rebate. This allows the prospective homebuyer the opportunity to decide how they want to best use the monies. Cash has a set face-value; $2000 always carries a “value” of $2000 regardless of the buyer, whereas a “timeshare in Puerto Rico” will have different values to different people.

The 2nd by-product, unfortunately, is “Foreclosures” – which have been rapidly increasing in Florida since 2006. Industry experts blame this increase on “sub-prime mortgages”. Sub-prime mortgages are higher risk because they are made to borrowers that typically do not qualify under traditional more rigorous criteria because of limited or poor credit history. Sub-prime mortgage loans have a significantly higher failure rate then prime mortgages. Sub-prime mortgages typically have a higher debt service-to-income ratio and the homeowner simply can’t make ends meet. The end result is more foreclosures and an increase in houses for sale – the fact that they are “distressed” and vacant further erodes the overall values of all homes. As the inventory of unsold properties continues to grow, residential real estate prices decline.

The bottom-line is there is an abnormally high number of existing homes currently listed for sale in Florida. As supply outpaces demand, property values drop. For Sale by Owner may allow the homeowner to bridge that drop in value and allow them to avoid foreclosure.

Immobilienmakler Heidelberg

Makler Heidelberg

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Source by Mark Camphaug

The Best Way to Sell Your Home Is For Sale by Owner

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For Sale By Owner is a very popular term used these days in real estate market segment. Home owners who have listed their home as understood the benefits and have been recommending this to their known ones. If you have heard For Sale By Owner for the first time, let me define it – Listing as For Sale By Owner do require some initial research and knowledge but the ease it provides in selling owns property is worth the time.

When you make a decision to go all alone selling your home, first step is market study which is important to start with. You as an owner of the property need to know what is the market price currently for your property which you can quote while listing in MLS. It’s not that you need to do some deep market research on real estate market but do need to know the real estate market in your area at least to decide on the price for your property you are going to sell.

Second step to list as For Sale By Owner will be listing the property in Multiple Listing Service. Questions might arise why MLS as it is popularly know, but this is the most popular platform for selling or buying a property these days. Almost all the property bought and sold are doing through MLS which not only make the process easy but also save lots of money which is worth saving in this economic crisis. MLS provide a safe platform which is accessible to licensed brokers who in return charge 3% sales commission (approximately) which is almost half what normal real estate broker would charge on closing the deal.

Immobilienmakler Heidelberg

Makler Heidelberg

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Source by Tom Heart

Tools Of The Trade: Becoming A Real Estate Agent

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This article is the third in a series of six about getting started with a real estate career. This article covers the “tools” you’ll need and the “tools” that are nice to have to help you be successful in this career. We’ll briefly talk about creating a budget and things you’ll need to get started as well as things you can consider in the future.

Creating a Budget. Since you are essentially starting a business there will inevitably be some expenses you’ll have. The first ones are of course your exam and licensing fees, as well as dues you’ll most likely pay to belong to the local board of Realtor. Since these expenses are mandatory we’ll skip talking about them. We’re talking more about the expenses that you’ll incur as a result of doing business on a day-to-day basis. There are tons of businesses out there looking to sell you leads, or advertizing opportunities, or “guaranteed” programs of how to get 10 listings in your first 60 days of being in business. I wouldn’t consider these products until you’ve been in the business at least one year. The most important thing to ask yourself when you get started is “Do I NEED this product or service today?” If the answer is no then, make a note of it and set it aside. Get some experience and deals going on and you may realize you don’t need those products at all.

Everyday Tools. The basic items that most real estate agents use every day are:

1. A cell phone – Most agents have smart phones with internet connectivity so they can get e-mail, view online data, and use applications that help them provide better faster service to their clients.

2. Access to a computer – Preferably one with internet and a printer. You need to fill out and print forms online so you can create listing and sales documents for your customers. Not to mention all new listings will appear in an online database provided by your MLS(multiple listing service) which you’ll definitely need.

3. Business Cards – The most simple of business marketing materials, but definitely a must have. Get high quality cards that are professionally designed, not the perforated ones you buy at the local office shop. Those are cheap and it people will subconsciously connect that to you and your service. Most brokerage companies have a relationship with a large printing company that offers professional templates at a reasonable price.

4. Lock boxes, yard signs, electronic keys, a reliable vehicle. This list needs no full explanation but to typically cost a fair amount of money so you’ll need to look carefully and shop around. Ask around the office to see where other agents get their products and how much they pay to get an idea of what you’ll need to spend.

Additional Tools. These items you’ll want to consider getting eventually if not right away.

1. Professionally branded e-mail address. Many brokerages will give you an email on their domain, i.e. billsmith @ abcrealty.com. This is great, but what happens if you leave ABC Realty. You’ll have to contact everyone you know and give them a new address. The best thing to do is purchase your own domain. Many agents choose their own name which can be a good idea. Domains are cheap i.e. $10 annually and you usually get an email address or two for free with it.

2. Your own website. Professionally designed websites can be expensive, so until you have the couple thousand it will take to get a high quality interactive site you can do one of two things. Your broker may give you a page on their main site, or you can get a basic 4-5 page site designed by a free lancer that provides basic information about you and how to get in touch with you. Either is fine to start with.

3. CRM Tool – This stands for Customer/Client Relationship Management Tool. Essentially it’s a software program that helps you keep your contacts and activities organized. While they are a fantastic tool they do tend to be expensive and are often a monthly recurring bill. If you can afford paying $30 or so a month for the service then I would highly recommend it. There are many real estate specific programs like Top Producer, ACT, etc.

Thanks for reading. Please check back for our next installment “Getting Started In Real Estate: Where To Get Business”.

Immobilienmakler Heidelberg

Makler Heidelberg

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Source by Jim Baebe

Everything I Touch Turns To Sold: Notebook Journal Blank Wide Ruled Lined Memo Journal Realtor Real Estate Agent House Flipper Investor Contractor

Everything I Touch Turns To Sold: Notebook Journal Blank Wide Ruled Lined Memo Journal Realtor Real Estate Agent House Flipper Investor Contractor

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Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
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FSBO New Trends for Today

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When the general economy starts to go down, people start looking for ways to cut corners and save as much money as possible. One way people are doing this is to sell their house themselves. For Sale by Owner, or FSBO for short, has become a viable option for people that are looking to sell their home in today's economy.

With all of the tools online people are feeling like they can sell their home themselves without needing a real estate agent. Many website have realized this and popped up to offer help to people that are trying to sell their home by themselves so they can hopefully avoid the pitfalls.

Another time that the FSBO method is very popular is when someone is not able to afford the 6% commission that comes with selling through a real estate agent. If the home is at or below the price you need to make in order to pay off the loan you may not be able to afford any extra out of pocket expenses.

The FSBO way is often the step that many homeowners take first on their road to selling their house. Keeping this in mind you will find many sites that offer low rates to help this segment of the market before the homeowner decides to go the traditional way of using a real estate agent. Many sites that offer FSBO will include some, or all, of the following features.

Basic listing features including a link for a virtual tour

  • A template for a printable flyer
  • Workbooks to assist the homeowner in their research of what they need to know and what they need to do prior to attempting a sale.
  • Listings that compare to the listings of a real estate agency site
  • Offering a flat fee for listing the home as long as needed, without additional weekly or monthly add-ons
  • Pricing reports to help you value your home appropriately
  • Typical yard signs much like those used by real estate agents
  • No limit on the number of pictures on your listing
  • Access to a free consultation line for questions

With all of these services it is no wonder that these types of sites are quickly becoming the first call people are making when they start the process of selling their home. You have a better chance of selling your FSBO home if you are able to be patient and by doing some research on their own.

The key to success is centered on the reason the homeowner wishes to sell their house. If they simply need to upsize for a new addition to the family, to downsize after the kids have gone to college, to change locations closer to or further away from the city, or just for a general change of scenery, patience can be the key .

However if you are moving because you are changing employment, marriage, divorce, or any number of other reasons the move may have to be more immediate. In the past companies that wanted to hire a worker would pay for the house and the expenses from relocating. Due to the sagging economy this has become a lot less popular because companies are trying to save money and quality people are looking for a job everywhere.

FSBO is a viable way to get the home out into the spotlight and into the market without the fees from realtors. Then if FSBO does work out, the homeowner has the option to sign up with a qualified real estate agency to sell the house and continue where the FSBO support ended. Your decision on how to sell your house, is entirely dependent on your situation.

Immobilienmakler Heidelberg

Makler Heidelberg

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Source by Melissa Gifford

Flat Fee Multiple Listing With For Sale By Owner Option

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When it comes to Real Estate Sales there is an old saying about wanting the best of both possible worlds, full service with discount prices. We’re not sure exactly where that came from, however we do know that home sellers now are able to experience that in an increasing number of markets. Simply stated, For Sale By Owners, FSBO’s, can now try to sell their homes on their own, and be allowed to enter the multiple listing service. What does this accomplish? It is a proven fact that the MLS is the most successful way to sell a home. The cooperative of agents in the MLS service interfacing with the internet gives the seller the greatest avenue to expose their home in the marketplace.

Many sellers say I would like to use that service, but I don’t want to pay 6 or 7 % to do it. Those same sellers say I am wiling to pay 3 % to someone who brings me a buyer, but I do not think the listing agent deserves 3 %. Now a number of companies offer this service. For a small flat fee of around $500, the seller gets into MLS and other local and national websites and still can advertise on their own to get a buyer. If the seller is successful on their own, a small fee or even no commission is due the listing agent depending on the agreement and services desired.

Why would an agent do this, to get more business. If they sell the home, they get the 3%. They can get other buyers from the listing to buy other properties and can get more listings. Everybody wins. The seller can have more flexibility in pricing, offer bonuses to the selling agent, or closing costs trust us, it works. Neighbors see their neighbor’s houses selling and it all generates more business, and it allows seller to have more flexibility to sell their home and make more money on their sale.

The Seller can use this savings to help the buyer with closing costs or lower their sales price or they can pocket the savings and use it as the down payment on the purchase of their next home. Bottom Line with Flat Fee Multiple Listing Services, For Sale By Owners, are give the marketing power of the MLS without paying full price for both sides of the Real Estate Commissions and allowing them to save thousands of dollars on their sale of their home.

Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
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Source by Charles W. Moore

5 Advantages Of Selling Your Home In Winter

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The peak season, for selling houses, is generally, considered, to be, the Spring Season, and, historically, the vast majority of homes, are sold, during that period. However, the reality is, real estate is sold, year – around, and, every season, brings, certain advantages, as well as disadvantages. With that in mind, this article will attempt to briefly discuss, and examine, 5 advantages of selling your home, during the winter season, and how, realizing these, and using them properly and appropriately, makes a quality difference, and transforms, potential , lemons, into lemonade.

1. Motivated, qualified buyers: Although fewer people seek houses, during winter, than in peak season, those shopping for a new home, during winter, are generally, truly motivated, qualified buyers. While there are both, fewer houses on the market, as well as less shopping for a new house, those who are searching, are usually, more interested, and there are far fewer, lookers , than during more popular shopping seasons!

2. Less competition: When you list, your house, during winter, you will have far less competition, because many homeowners, avoid the selling process, during winter. Obviously, even though there may be fewer buyers, since there is also fewer houses, on the real estate market, you enjoy a certain degree of advantage!

3. Out, by Spring – time: If you sell your house, during the Winter, and it's marketed and priced effectively and properly, you should be able to sell it, at a desirable price, in a relatively short – period of time, This will translate to being able to move out in Spring, and doing so, with lower moving costs, and an easier process!

4. Winter beauty: While flowers bloom, and the lawns are greener, in Spring, many potential buyers, love Winter, and enjoy the season's beauty, and characteristics. A quality, professional, real estate agent, will, emphasize the winter – based, attributes and assets, and maximize it's showing = potential! This can, even, be helpful, in marketing properties, with less – than – stellar, exterior attributes, etc.

5. Accentuate interior features: Selling during the colder weather, means, ensuring your heating system, is working properly and effectively, your home is comfortable, windows and doors are draft – free, etc, and individuals feel welcome! In some cases, show – casing, the fireplace, and using its warmth, to make the house more welcoming, help making a potential buyer, visualize living and enjoying, this house!

Consult a qualified, professional real estate, and share some ideas, about the best way, to sell your house, in Winter. If you want to sell, there is no need, to wait!

Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
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Source by Richard Brody

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