This is an excellent post on Buying A HUD Home. The agent is from Arizona, but it applies equally to Pennsylvania as well. Here in Pottsville, Pennsylvania, we can help you buy any HUD home you're interested in. We are one of the few brokerage firms in Schuylkill County licensed to put bids in on HUD homes in Schuylkill County. Call us for all your HUD home needs in Pennsylvania.
When purchasing a HUD home, there are misconceptions to replace with facts and advantages to consider. The following is information about the purchase of Arizona HUD homes.
First, exactly what is a HUD home? When a home is purchased with a FHA (Federal Housing Administration which is a sub-agency of HUD) insured loan and the borrower defaults on the loan, the lender may file a claim against the FHA insurance fund and convey ownership to HUD who then sells the home at market value to get back some of the loss from the foreclosure.
One misconception I have heard is that HUD homes are always in poor condition. I find that just like bank owned or short sales, HUD homes can be very clean and well taken care of or a disaster or anywhere in between. One of the advantages to a HUD home is that before HUD homes are listed, HUD orders an appraisal and property/pest inspection of the home. Anyone can go to the HUD website http://www.mcbreo.com/and read the report to see the condition of the property before viewing it.
If the property inspection determined that the property needs repairs but less than $5,000 and the buyer is using an FHA insured loan, for the home to be eligible for the FHA loan an escrow repair is established to cover the costs of the repairs to the home. The costs of the repairs are included in the loan amount and repaid by the borrower as part of the house payment.
It is advised that a potential buyer conduct their own home inspection by hiring a competent inspector. HUD homes are sold in "as-is "condition and HUD makes no warranties or quarantees about the condition of the home and will make no repairs. This is also the case in the purchase of a lender owned foreclosure property.
Another advantage for owner occupants (person that will live in the home as his or her primary residence within 30 days of the close of escrow) who are interested in purchasing a HUD home is that during the first 10 days a HUD property is listed to the general public, there is no competition from investors. Bids from Owner Occupant Purchasers only are accepted. All bids placed by Owner Occupants that are submitted during those ten days are opened on the 11th day and are considered as though they were received simultaneously. If there is no winning bid during those ten days the bidding is opened to include investors.
Another misconception is that HUD provides loans to persons who would not under other circumstances qualify for a loan. HUD does not provide financing for its properties. Before a person can place a bid on a HUD home they must be pre-approved for a real estate loan or have proof of sufficent cash to purchase.
A great advantage for those who do not have the downpayment required for a typical loan is that a buyer can purchase a HUD home for as little as $100 down. It is important to discuss the costs with an experienced lender and the price to bid with a HUD approved agent. Before a bid can be submitted, the buyer must have on deposit with the real estate broker an earnest deposit check. If the purchase price is $50,000 or less the required check amount is $500. If the purchase price is more than $50,000 the check amount is $1,000. Any unused portion will be reimbursed to the buyer at close of escrow.
The advantage of the sealed bid process is it eliminates many of the hassles associated with the typical lender owned or preforeclosure transaction where bidding wars and long waits are common. If during the first ten days of owner occupant bidding, no offer is accepted, bids are reviewed daily and the bidder with the winning bid is notified the following day. If more than one acceptable bid is placed, the bid with the highest net amount to HUD wins the sale.
If you have hesitated about considering purchasing a HUD home, realize that these properties open up another opportunity for purchasing a home at an afforadable price. With the assistance of an experienced HUD approved agent and a lender who understands the process, replace the misconceptions with facts and consider the advantages of purchasing a HUD home.
The process for buying a HUD home is different from a normal home purchase. Access to view HUD homes and place bids is restricted to a HUD approved real estate agent. For a partial list of AZ HUD homes http://www.eastvalleyphoenixhomes.com/hudhomes.html).
To get a list of all HUD homes that meet your criteria or to discuss if a HUD home purchase would be in your best interest, call Deanne Olivas, an approved HUD agent, at American Allstar Realty 480 452-5567.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
JUST WHAT IS IT THAT REAL ESTATE LICENSEES DO?? Part I.
"YOUR MISSION, SHOULD YOU CHOOSE TO ACCEPT IT . . . " is to manage the orderly transfer of real property from a seller to a buyer. The average consumer doesn't understand a fraction of what we do to help them accomplish their goal.
SELLERS. Home sellers are presented a simple-to-complex marketing plan by listing agents prior to listing the property for sale. The listing agent promises to perform a series of showing, advertising activities geared to receiving contract offers.
BUYERS. Buyers are assisted in their home search by agent(s) who helps to locate, tour properties for sale, write and negotiate the contract and arranging for settlement services.
Sounds easy doesn't it? Actually it is, in the hands of experienced listing and buyers agents and ifnothing unusual occurs.
THE MOST HELPFUL AND LEAST UNDERSTOOD PART OF LISTING AND SELLING REAL PROPERTY is the complex and institutionalized systems which include the brokerages employing the licensed agents and brokers, the Multiple List Systems that make the homes for sale information available to licensees and now to the public, the board approved forms that provide consumer protections,
Achieving the consumer's goal of selling or buying real property requires the services of a variety of service providers in addition to the real estate licensee. Achieving the orderly transfer of real property from a seller to a buyerrequires services of vendors that perform critical tasks to help the consumer achieve their goal. The vendors include but are not limited to: mortgage providers, home inspectors, termite/radon inspectors, appraisers, title services which include or are managed by attorneys.
WOW! How do we keep up with all of these tasks that are necessary to get to the settlement table? I'm going to disclose a secret that will help many consumers understand how things can go so smoothly and the consumer's goal of selling and buying real estate is achieved.
IT'S ALL IN THE CONTRACT!
That's right. IT'S ALL IN THE CONTRACT!
Getting to the settlement table begins with the selection of an experienced listing or buyer's agent who will MANAGE THE CONTRACT OF SALE. To demonstrate the importance of understanding contract management, below are the titles included in a typical Contract of Sale.
Description of Real Property
Price and Financing
Deed of Trust
Deposit
Down Payment
Settlement
Equipment, Maintenance and Condition
Utilities
Personal Property and Fixtures
Financing Terms
Appraisal
Purchasers Representations
Access to Property
Termite Inspection
Repairs
Damage and Loss
Title
Possession Date
Fees
Broker's Fee
Adjustments
Attorney's Fees
Performance
Default
Assignability
Definitions
Void Contract
Warranty
Listing agents and Buyers agents must not only understand the meaning and execution of each of these titles, they should help the seller or buyer understand the meaning of all parts of the contract that apply to their particular transaction.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
Bring back 10-10-10 calls this week. (see links below if you missed prior weeks)
This is the week before Thanksgiving, so it might be harder to reach some people, easier to reach others.
Prepare (but don't mail) an envelope for every buyer/seller (even those who you did not represent). In the envelope you'll enclose the HUD-1 from week 2 and a letter and 2 business cards. The letter will state "Enclosed is a copy of your closing sheet from the property you purchased/sold in 2009. Your accountant will need a copy of this to file your 2009 taxes, so if you don't have your paperwork handy, just forward this to him or her."
Then add a PS that they should contact you if they have any questions, and Happy New Year! You will prepare these now, and mail the envelopes the first week of January.
Do you have a farm? If so, send a 2010 postcard calendar to your farm this week, or something similar. Get out and walk this week. Besides your 10-10-10 calls, get in FRONT of people.
Buy an a small seasonal item (last year I bought 25 small pumpkins) and stop by and see 25 people in person! These people should be people who send you business, or past clients.
You're finishing up the program, so wind down on a fun, positive note. Deliver those pumpkins (or pies or whatever!) with a smile and know you're planting seeds for a successful 2010.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
The Friedensburg Country Restaurant will sponsor a free Thanksgiving dinner this year on Thursday, November 26 from 12 noon to 1 pm. The meal is for anyone who does not have somewhere to go on Thanksgiving, and also for those in financial need. There are no age restrictions.
The restaurant's owner, Christopher Clauser, says they will serve a full Thanksgiving meal served buffet-style including dessert and beverage.
The meal will be served between noon an 1 p.m. Reservations are not required, but Clauser asks if you plan on attending, please call withh an approximate number of those planning to attend so they can better prepare.
Anyone who would like to volunteer to help prepare or serve the meal is asked to contact the restaurant.
Right next to the Friedensburg Country Restaurant you'll findC&C Candies and Country Store, which is also owned by the Clauser family. Homemade chocolates and other candies are sold right next to groceries and everyday staples. You can buy the candies already made, or pick up candy-making supplies such as molds and chocolate. They also make and sell homemade bakegoods. It is indeed one of Schuylkill County's more unique shops.
Their website says: "Candy making is quickly becoming a lost art, but at C&C Candies and Country Store, you can find everything you need to rediscover the delicious skill of homemade candies. Among the over 2000 affordable molds, you'll find many unique and hard-to-find items for your candy creations. Unlike other stores that might leave you to your own devices, you’ll not only get your needed supplies, but also personal instructions. So if you’d like to perfect your candy craft we’ll also provide you tips so your creations turn out perfect every time. Just ask one of our knowledgeable employees and you'll get exceptional service with a smile."
For more information on the Thanksgiving dinner, contact Christopher Clauser, Friedensburg Country Restaurant, 1305 Long Run Road (Route 443), at 739-0008 or via e-mail at chrisclauser@comcast.net.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
Let me start this by saying I LOVE BOOKS. I LOVE PAPER. I have a real problem at my house and office. It is overflowing with BOOKS. I am a book junkie.
I love the feel of books, the smell of books... you get it.
Yet I am tempted to buy the Amazon Kindle. They dropped the price to $259. Most books you can get INSTANTLY on a wireless download for $9.99 or less.
So tell me what you think, if you have tried one of these.
Are they easy to read, on the eyes? Have you managed to get used to it yet?
Do you MISS BOOKS?????
If you don't know what the Kindle is, here's its specs:
Slim: Just over 1/3 of an inch, as thin as most magazines
Lightweight: At 10.2 ounces, lighter than a typical paperback
Books in Under 60 Seconds: Get books delivered wirelessly in less than 60 seconds; no PC required
3G Wireless: 3G wireless lets you download books right from your Kindle; no annual contracts, no monthly fees, and no hunting for Wi-Fi hotspots
Global Coverage: Enjoy 3G wireless coverage at home or abroad in over 100 countries. See details. Check wireless coverage map.
Paper-Like Display: Reads like real paper without glare, even in bright sunlight
Carry Your Library: Holds up to 1,500 books Long Battery Life: Read for days without recharging
Read-to-Me: With the experimental Text-to-Speech feature, Kindle can read newspapers, magazines, blogs, and books out loud to you, unless the book's rights holder made the feature unavailable
Free Book Samples: Download and read first chapters for free before you decide to buy
Large Selection: Over 360,000 books, including 101 of 112 New York Times® Best Sellers, plus U.S. and international newspapers, magazines, and blogs. For non-U.S. customers, content availability and pricing will vary. Check your country.
Low Book Prices: New York Times Best Sellers and New Releases are $9.99, unless marked otherwise. When traveling abroad, you can download books wirelessly from the Kindle Store or your Archived Items. U.S. customers will be charged a fee of $1.99 for international downloads.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
Easy answer, 60 days. But I guess that depends on what kind of Pre-Approval you received or want for that matter. Actually, the answer to such a question depends upon three factors:
- You, as the consumer.
- The Buyer's Agent who is helping you find a home.
- And the quality of the Pre-Approval you receive in the first place.
Ten Seconds, GO - You're interested in buying a home. You even find a few that tickle your family bone. But you need financing because you probably don't have the cash to buy it outright. Which leads to...
Nine Seconds - You're smart and seek out a Buyer's Agent to represent you. This will provide protection in your favor. They represent you and only you.
Eight Seconds - That agent may turn you onto a few folks like me who can help you out from the financing end. And that doesn't mean you shouldn't shop on your own. But buying a home isn't just about getting the lowest rate with no fees (an oxymoron if I've ever encountered one), it's about trust. Interview those who express interest in earning your business and keeping it. If they have the lowest rate with no fees, I can only hope they are in business when you need to do business again.
Seven Seconds- The Pre-Approval is more than just an application and credit check. There's some serious competency going on. They ask for your most recent pay-stubs, W-2's, bank statements, and the last time you had a wet dream about Richard Gere.
Six Seconds - You find a house that you want to call home and a Sales Agreement has been signed and accepted by all parties. And there you are.
Five Seconds- You're hopefully just padding the documentation that you've already given to the Mortgage Company you choose. I recommend Sardi Mortgage Inc, who isn't licensed just yet ... but when you hear Sardi, that should mean something. I'm not sure what, but it means something. Maybe it just means that there is an individual who is all over your particular file like white on puss.
Four Seconds - Appraisal is ordered and done. The rest of your file is pretty complete because everyone got along and did what needed to be done.
Three Seconds - The complete transaction goes into Underwriting, those dastardly folks we think of who hate closing loans. I'll give you a bit of info here, and I usually don't stick up for Underwriters. They only get paid when folks close loans. Without us, there is no them. So, that's that. In business, there's more to it than that, but that is a pretty accurate description.
Two Seconds - You are CLEAR TO CLOSE. If there were three words that were magical in this industry, those are they.
One Second Left - It's a proclamation of your destination. You hit home!
And when there's no time left, that's the perfect time to be imperfect. And that's the perfect way NOT to close.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
Twice recently, our office had a situation where buyers were "pre-qualified" by non-local, no-name lenders and in both instances, the deals fell thru.... because the original lenders suddenly couldn't get the deal done.
When you first start looking for a new home, real estate agents will tell you it's wise to get PREQUALIFIED. This means you call a bank or other lender and tell them your situation. Tell them how much you make, how much money you have saved to put down, and let them pull your credit history to get a credit score. Then the lender tells you if you are qualified for a loan, and how much house you should be shopping for.
First, we recommend calling your OWN BANK or credit union. If you already have a mortgage, or a local bank you like, call them. Start there.
If you are not pleased with what you hear, or don't have a personal bank or credit union, ask your agent for recommendations (several--not just one!).
Does it matter who you call to prequalify you? Yes! Here is why.
If you do not know the lender you're calling -- don't have a prior relationship, or are calling off a website or other ad -- you don't know how trustworthy they are. They might prequalify you and not even pull your credit. They might provide you with a figure or a letter to give your agent, and might not know that you are NOT truly qualified to buy a house right now. This happens all the time with lenders we are NOT familiar with! They sweet talk a buyer and make all kinds of promises, and frequently find they cannot deliver later. Maybe they promise one interest rate, then jack it up later. Or they throw in all kinds of junk fees and closing costs. I just saw one Good Faith where the lender charged $1500 wire transfer fee. Huh????
In case 1, a young couple got a pre-qual letter from an out of area lender, and we had never heard of them. We wrote up an offer based on that letter, and asked the lender for a Good Faith estimate of closing costs. The costs were THROUGH THE ROOF! The rate was 3 points higher than average right now, and the closing costs were ridiculous.
We recommended this couple call another lender, from a list we provided of lenders we had worked with. The couple called around and repeately were told their credit scores were too low, and they had one large debt that had to be paid off, before they would even be considered for a loan. They also had zero cash saved.
What was this original company thinking???? Based on the conversations they had with the other lenders, this couple decided they needed to repair their credit and build a fund of money before buying a house. If we had pushed this deal through, they might have been turned down at the last minute, or at the very least would have paid through the NOSE to move into their first house.
In case 2, a buyer was given a prequal letter from a no-name lender we had never heard of. The buyer insisted the lender was solid and his credit was good. We wrote the offer, and 2 days before closing the buyer was rejected due to poor credit scores, a prior bankruptcy and outstanding debt that suddenly was "found". The lender dropped him like a hot potato, and said "sorry we didn't really pull credit before we wrote that prequal."
If you are a buyer making an offer on a home, pick your lender carefully. Otherwise, you may get a big surprise at settlement (or, at NON settlement).
In our office Realty Executives has a list of several lenders -- local and national -- that our agents have SUCCESSFULLY worked with in the past. You are free of course to call any lenders you choose. But on our list we have lenders we trust to not lead you down a rosy path ... only to be disappointed or bait-and-switched in the end. Only lenders who we trust are on this list, lenders who have closed deals with us in a timely manner, with reasonable fees and interest rates, and good communication skills, to keep you in the loop at all times.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
The Restaurant at the Station, Tamaqua: Nouveau Wine Party
November 20, 2009
Nouveau Wine Dinner 6:00 p.m.
This is the earliest chance to sample the first vintages of the new harvest. It’s also a great opportunity to purchase wines for the upcoming holiday season to give as gifts or to drink at dinner. This 4-course wine dinner will focus specifically on Beaujolais from around the region. Reservations are necessary.
If you have never visited The Restaurant at the Station, you're in for a treat!
Also going on this month:
ANNUAL TOYS FOR TOTS GINGERBREAD HOUSE CONTEST on display beginning Friday November 27
Make sure you stop in and vote for your favorite house, created by local artisans. All proceeds are donated to Toys for Tots plus the creator of the winning house will recieve $100 for Christmas gift giving!
The Restaurant at the Station, 18 N Railroad St., Tamaqua PA 570-668-5020
From Interstate 81 North or South Take the MCADOO/TAMAQUA exit 138 to PA-309 South Follow PA-309 SOUTH directly into TAMAQUA
From Philadelphia / Lehigh Valley Take I-95 SOUTH toward DELAWARE Take exit #7 onto I-476 NORTH toward PLYMOUTH MEETING Take exit #56 onto US-22 EAST toward ALLENTOWN Take the PA-309 NORTH exit toward TAMAQUA Take PA-309 NORTH directly into TAMAQUA
The Restaurant at the Station, Tamaqua: Nouveau Wine Party
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
WHEW... we made it to Week 5! You're almost there... we have 1 more week of work then you can hit the holiday season in stride. Here's your instructions
Week 5: Feed the Group who Feeds your Pipeline
Look at your list again of WHO sent your business in 2009?
Make a list of the top 3 groups and 10 individuals who referred business to you.
For example - GROUPS: Church, Kiwanis Club, Book group - INDIVIDUALS: Lender Larry, Attorney Bob, Accountant Karen, Friends Becky & Nick, and Past Clients Tom, Dick, Harry, Jane and Mary
These 3 groups and 10 individuals deserve special attention/thanks. They are feeding your pipeline.
For the individuals, invite each one out to breakfast or coffee or lunch in the next 2 weeks. They may be busy, and say they don't have time. If so, drop by their home or office and bring them a cup of Dunkin Donuts coffee or Starbucks, and a treat. They probably will enjoy the attention! When you meet with them, make sure you thank them for TRUSTING YOU with their referrals.
For the groups, make a donation to the group, or take an ad out in the church bulletin, or bring a special treat to the next gathering. If you have more than 10 individuals or 3 groups, that's even better! Take this task into future weeks if the group isn't meeting this week.
The point is to recognize the groups and the people who are filling your pipeline.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
This is the first week of November... so we'll start to think about THANKS
Write your Thanksgiving letter, to your past clients, current clients & SOI on Monday-Weds.
Spend the rest of the week mailing them (hand addressing labels if you can).
Your letter will be brief, light, and friendly. It will THANK the recipient for helping make 2009 a great year for you (I don't care what your numbers were, they were GREAT!).
Add a brief paragraph about your family, something you've accomplished this year, something personal!
PS-You will add a PS at the end, reminding them you are always THANKFUL for referrals.
If you're looking for a PROFESSIONAL to represent you in all of your Schuylkill County real estate needs, call Realty Executives at 570-622-6006.
We can meet all your buying / selling needs ... and will exceed your expectations. That's what being an EXECUTIVE is all about
Serving all of Schuylkill County ... Pottsville, Orwigsburg, Schuylkill Haven, Auburn, Pine Grove, Frackville, Minersville, Ashland, Shenandoah, Port Carbon, Palo Alto, St. Clair, Barnesville real estate. Click on the link above to search Pottsville PA homes for sale or any Schuylkill County homes for sale. We have all properties listed for sale in the Schuylkill MLS on our website -- free search!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
SELLERS. Home sellers are presented a simple-to-complex marketing plan by listing agents prior to listing the property for sale. The listing agent promises to perform a series of showing, advertising activities geared to receiving contract offers.
Prepare (but don't mail) an envelope for every buyer/seller (even those who you did not represent). In the envelope you'll enclose the HUD-1 from week 2 and a letter and 2 business cards. The letter will state "Enclosed is a copy of your closing sheet from the property you purchased/sold in 2009. Your accountant will need a copy of this to file your 2009 taxes, so if you don't have your paperwork handy, just forward this to him or her."
Right next to the Friedensburg Country Restaurant you'll find 
Let me start this by saying I LOVE BOOKS. I LOVE PAPER. I have a real problem at my house and office. It is overflowing with BOOKS. I am a book junkie.
When you first start looking for a new home, real estate agents will tell you it's wise to get PREQUALIFIED. This means you call a bank or other lender and tell them your situation. Tell them how much you make, how much money you have saved to put down, and let them pull your credit history to get a credit score. Then the lender tells you if you are qualified for a loan, and how much house you should be shopping for.
November 20, 2009
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