Why Do I Need A Realtor

Real estate is not rocket science, in fact in some respects selling real estate is simple. There is however a big difference between simple and easy. Someone once told me many years ago that bull riding is simple. You keep the bull between you and the ground. It is simple, but it is not easy. Ultimately, a good Realtor's® greatest value comes from being able to guide you safely through the sale or purchase process. The average home owner may only purchase and sell three or four houses in a lifetime. In the 13 years I have been in real estate, I have personally sold around 300 homes representing buyers and sellers. Every sale has held valuable lessons that I use to help guide my home owners and home buyers.

David Gallup, a very well respected Realtor® at Remax 200 Realty compares our job to that of an airline pilot. Our job is to get you where you want to be safely. It is not always a smooth flight, but an experienced pilot knows how to chart a safe course and when to turn on the fasten safety belts sign. Today's real estate market has a lot of turbulence, whether you are selling or buying. For homeowners who need to sell, your Realtor® can help you understand values in your area, and can offer marketing suggestions to make your home stand out in a crowded market. We are still in a very strong buyers market in many segments, but that does not mean there are not pitfalls. A good Realtor® can help home buyers and investors get the most for their money.

You would never think to try and pilot the jet on your next trip, because there is too much at risk if you make a mistake. The pilot has logged hundreds or even thousands of hours in the cockpit and probably made the same trip many times before. Selling or buying, you should have a Realtor® that you have confidence in representing you and your interests. There is too much at risk, not to.

David Welch Real Estate Optimist, Orlando Real Estate

David W. Welch, MBA
REALTOR
Remax 200 Realty
www.DavidWelch.com
www.RealEstateOptimist.com
@RealtyOptimist

    

5 Reasons Why You Should NOT Try to Sell Your Home By Yourself

Are you thinking of selling your Schuylkill County Home FSBO -- by yourself?

Marketing a home in 2010 is NOT the same as marketing it 10 years ago. Even if you did this before, you have to do so much more than plant a sign on the yard and place a classified ad.

5. Advertising is more complicated. When is the last time you read the newspaper or searched the classifieds. Years ago you'd buy the paper to see what homes were for sale or rent. A single classified ad run several times a week might get you enough calls to sell the house. Now it's so much more complicated! Most agents and brokers don't advertise anymore in newspapers because THEY DON'T WORK and also because they are very expensive considering the lack of results.

4. Are you internet savvy? What does work is the internet. Buyer start their searches online now, months before they are ready to buy. A real estate broker will put your property on the MLS to advertise to all agents, plus many other internet sites. In our office, we put your property on 3 MLS systems covering all of Schuylkill, Lebanon/Lancaster MLS, and  TREND MLS which stretches into Reading and Philadelphia. We then use Postlets and ListHub to feed out into over 38 sites via RSS feed. So you're on Trulia, Zillow, Craigslist, Homes.com, and so many more sites. Can you do that?

3. Are you ready to pre-qualify buyers who call on the phone? Before you let someone cross the threshhold, are you ready to ask them personal questions about their finances, or are you going to just open the door? How do you know a buyer really has the ability to buy? Because he says so? Really? Not in today's market. And once you agree to show your home to someone, you need to make yourself available to all buyers, at their request, when they want to see the home on their own time, not yours. Is it an inconvenient time? Sorry. Make yourself available for them.

2. What about all the paperwork? If you do go FSBO, call a lawyer. You will need someone to write up the contracts and get you to settlement. You should not just go online or to Staples to find generic documents. This is complicated and dangerous to try to do on your own. You need an attorney to help you once you find a buyer. The work is not finished. It is just starting, unfortunately. You have contracts, then inspections, the appraisal, and financing details to make it thru now.

1. Can you negotiate like a pro? Seriously. If a buyer walks in and asks "Can you go lower" or "Why are you selling" or "What is your bottom line?" How will you answer? This is not a business deal cut and dry. This is your house. Will you waffle a bit and tell them there is room to negotiate? Will you tell them that you need to be moved in 30 days because you got a new job? Will you hurt your negotiating power by giving away too many details about why you are moving and/or how much you will really take? Having an agent in the middle can take a step away from this, giving a bit of distance to you in negotiating. Perhaps if you do not want to pay an agent, you should hire that lawyer to negotiate for you. Don't try this yourself if you even think you're going to tell buyers too much personal information or cave when they say your home is overpriced or they can only afford X.

Real estate agents -- good ones -- will put YOUR Interests above theirs. They will negotiate fiercely to get you the highest and best price for your house. They will take care of all the little details you otherwise have to handle on your own. The best agents are worth every penny you will pay, in getting you a higher price for your home with less hassles.

Are you thinking of selling your Schuylkill County Home FSBO -- by yourself? Think again, please.

If you're going FSBO because you think you cannot afford one, it may just be that you cannot afford NOT to have an agent. Not all firms charge the same fees. All fees are negotiable. Interview a few agents and ask each one to explain what they do for their fees, and how their fees are structured. You just might be pleasantly surprised by what you find.

 

Flickr image courtesy MiK

 

 

 

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Erica Ramus is Broker/Owner of Realty Executives in Pottsville, PA.

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. 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!

 Schuylkill Appraisal Services, for all your appraisal needs: Schuylkill County appraiser. 

A caution to REO purchasers. The addenda always control the agreement.

The scenario is played over and over across the land as bargain-seeking homebuyers attempt to purchase a foreclosed property.  A real estate agent constructs an offer for the home, and the offer is “acknowledged!”

But first there are a “few” addenda that must be signed before the deal is done. And while it may be true that the seller will only convey the property under their terms, buyers need to understand the absolute fact that the addenda CONTROL the agreement.

And these addenda are so comprehensive that in most cases, they override almost all of the language in the original offer. It is not uncommon for the addenda to be many pages longer than the original Purchase and Sale Agreement.

The signing of these instruments, while obligatory, is not perfunctory. A buyer needs to carefully read the addenda and understand them before moving forward with the purchase.

Because although the terms set forth in the addenda may be considered to be very seller-friendly, the purchase can still be a bargain for the savvy buyer.

And that can make all of the trade-offs pay off in a big way!

All content, including text, original art, photographs and images, is the exclusive property of Coweta Fayette Real Estate, Inc., and may not be used without the expressed written permission of Coweta Fayette Real Estate Better Homes and Gardens Metro Brokers, Newnan Georgia. All information is believed to be accurate but is not warranted, Copyright 2003-2009. Richard Weisser REOS, E-Pro. licensed Auctioneer. 770-827-6225.
Learn more about Coweta County and Fayette County Georgia Real Estate, and to search the entire Georgia MLS for free with no registration required visit CowetaFayetteRealEstate.com! Photos of the Great Smoky Mountains National Park.

Get the latest GA Foreclosure List Updated Daily! We Do HUD bids in Georgia! 770-827-6225

Can I Buy a Home Immediately After a Short Sale?

Can I buy a home immediately after a short sale? The answer is yes.

  The other day I received a call with this exact question from a Woodbridge, VA short seller. I answered, "Yes you can with FHA, if you meet the following qualifications":

• Home short sold cannot be a FHA loan
• Must have been current on mortgage at time of sale
• Sold home must not require deficiency payment for the difference
• 620 minimum credit score
• 3.5% down payment
• Short sale caused by extenuating circumstances and not just a person trying to take advantage of the market (by selling short and buying same type home at half the price)
  

The last requirement of extenuating circumstances is where it gets cloudy. An extenuating circumstance, according to FHA is one of the following:

• Job loss or loss of income
• Sickness or illness of the borrower
• Death of a wage earner
• Circumstances beyond your control
  

If you don't meet the above criteria; here are the time frames you have to wait before purchasing again:

-Fannie Mae Conventional 2 years with 20 percent down payment
-FHA- 3 years from time of sell

As we continue to be in this market of short sales and foreclosures look for more lending guidance to come with hopefully shorter time frames. Buyers should not be punished or kept out of the market for situations beyond their control.

    

Need an FHA loan in Woodbridge, Va,   have a question, or did the post tickle your curiosity... now feel comfortable giving me a call (703-497-3936), or shoot me an email (I have Blackberry).

Markita Aldridge-Woods of WestStar Mortgage, Inc. Contact me via email or call me direct at 703-497-3936 for answers to your questions about mortgage financing.  Or get pre-approved today to purchase your home.

I service Woodbridge, Lake Ridge, Dale City, Fairfax, Stafford, Fredericksburg, Manassas, Manassas Park, Quantico, Ft. Belvoir, and the Virginia surrounding areas.

We offer FHA, VA, VHDA,USDA, and Conventional financing.

(WestStar Mortgage Inc. is licensed by the Virginia State Corporation Commission and License No. MC-1875)

 

Disposal of Hazardous Waste in our Homes

Did you ever have that client who has saved almost every item they ever purchased?  We all have experienced this in some form or another.  I had a client whose parents passed away, so they became responsible for getting the house in shape to get on the market to sell quickly.  As you can probably guess, the parents lived in the same home for over 50 years!  Aside from going through each and every item in the home and having members of the family taking what they want, they came across a lot of chemical products in the garage and had no idea how to go about getting rid of them.  They did talk with a guy who said he'd come in for a price and "clean the whole thing out".  But when I approached my client with some questions about HOW this guy would clean things out, she didn't have any answers.  This presented a very large red flag in my mind, hence the need to write this blog.

With so many household cleaners, degreasers, and pesticides out there for us to buy and use around the home, we have to take into account many things when we talk about "getting rid of them" quickly.  Some household cleaners can be used up in order to rid the bottles of the contents, which is better than pouring them down the drain!  But others hazardous waste products are not as simple.  Leftover painting supplies, automobile products, outdoor lawn & garden supplies, and indoor/outdoor pesticides are some of the more serious items that require smart thinking and investigation before they are disposed of.  They need to be disposed of properly and carefully according to state and federal regulations.  Here are a few tips to follow when you come across clients who need to rid their homes of potentially dangerous chemicals.

In the Roanoke area we have the "Roanoke Valley Resource Authority".  The Authority owns the Tinker Creek Transfer Station, the Smith Gap Landfill, and the Waste Line Express train.  Every locality should provide its residents with information about the disposal of waste products online. 

• First, provide your client with solid information about the disposal of household chemicals in your area.  Don't just assume your client will jump on the internet highway to get the information.  Please have available hard copy literature that they can read and check off if necessary.
• You will find that most junk removal and moving companies will NOT handle the disposal of chemical waste products.  That is why it's so important to physically hand clients the information!  In the Roanoke area you can visit www.final-touchdesigns.com.  Click the Other tab, then Resources, for a PDF to print and hand out to clients, or call the Roanoke Valley Resource Authority (540-857-5071).
• If you or your client does know of someone who handles the disposal of household chemicals, use this article as a foundation for asking questions.  Ask the person specific questions as to where, when, and how they will dispose of the items.  If they can't answer the questions, then they should not be hired to remove anything hazardous from the home!
• Don't leave it up to the homeowner to guess what they need to do.  If disposed of incorrectly, these hazardous chemicals can leach into our soil and water systems and cause serious health problems for the members of your community.  If you don't provide the correct information, who will?
• Certain areas will only accept certain items on a daily basis and only within their hours of operation.  Other hazardous items may require pre-registration or authorization before items can be brought in to be disposed of.
• There may be maximum quantities allowed per visit.  This may mean many trips to the site and thought about how the items will be stored until they can be taken in.  If someone is hired to collect the items from the home, a question about adequate temperature controlled storage may be in order.
• When dealing with older homes, you will likely be dealing with many old containers of numerous products and substances.  Always encourage safety precautions when handling these things.  Wearing long pants, long-sleeved shirts, closed shoes, gloves, and safety glasses is always a smart way to work on these projects.  You never know when a corroded container is going to spring a leak once picked up or moved!

One definition of sustainability:  "A sustainable way of life is one in which human needs are met without diminishing the ability of other people, wild species, or future generations to survive."  I hope this information will be shared amongst Real Estate professionals and Home Stagers.  As a green company, we are always looking for ways to preserve our planet and continue to enjoy what we have.  It is everyone's responsibility to insure that our planet has the capacity to endure.  It is everyone's responsibility to help others learn how this can be done.  

At Final Touch Designs, we do everything from assisting home sellers in preparing their homes beautifully in order to facilitate a faster, more profitable sale, to assisting home buyers in adding their own character and personality to their spaces, and assisting anyone who wants to become and stay more organized in their home or place of business.  We offer many other great services as well.  Please visit us at www.final-touchdesigns.com for more information, tips, and ideas to turn your ordinary house into an extraordinary home!

Cathy Dick

www.final-touchdesigns.com

Roanoke, VA

Bank of America Exec Starves to Death at REALTOR(R) Banquet

Melbourne, FL – Morton Massengill, Bank of America’s Chief of Loss Mitigation Relations, was rushed to Melbourne Memorial Hospital today after collapsing at a local Board of REALTORS(R) Installation Banquet.

Massengill, invited to the affair by outgoing President, Zola Klepp, spoke to attendees at length about Bank of America’s new EQUATOR (formerly Reotrans) short sale processing system. Attendees were skeptical, but hopeful that the new system would help to eliminate approval delays that have plagued the real estate industry for over 3 years. 

Table decorations were miniature beach cottages surrounded by fragrant frangipani blooms.

The bank executive apparently collapsed during a heated ‘round table’ discussion following meal service and officer installation.

Ms. Klepp explained that catering staff started serving meals to attendees long before Massingill was finished speaking, rather than waiting untill the keynote speaker was seated, as instructed. She went on to say “he apparently never got his meal.” Klepp assured reporters that the catering company would be stricken from the board's list of approved vendors.

The President of the catering company, Chef LeGay, denies any responsibility in the matter and told reporters “I find it unthinkable that anyone could starve to death in the midst of 250 pounds of filet mignon, hundreds of lobster tails, buckets of Ceasar salad and enough creme brulee to feed an army!” He went on to say “honey, something is fishy around here and it isn’t my lobster tails.”

Witnesses at the affair claim Mr. Massengill repeatedly asked about his meal after being seated, but seemed to get the “run around” in spite of advising wait staff he was “starving to death” and hadn’t eaten since 6:00 am.  Instead of food, he was reportedly served with a number of probing questions.

• “Are you sure you sent your order to the right department?”

• “Did you log into the menu system at http://www.eatwaiter.com properly? (it's case sensitive)

• “Did you remember to click “initiate” meal after entering your table number?”

• “Did you order the steak or the lobster?”

• “Do you remember the name of your waitress?”

• “Did you call 866-677-2516 to register your meal order?”

• “Did you include all of your contact info?”

• “Did you remember to initiate “other” in case a menu item was no longer available?”

• “Was your 3rd party authorization menu form filled out properly?”

• “Were you aware that if an order gets rejected three times in 7 days, the process starts over?

Mr. Massengill is expected to be released from the hospital Tuesday and fully recover after being treated for low blood sugar, slight dehydration and stress, according to officials at Melbourne Memorial.

A spokesperson for Bank of America refused comment and suggested reporters log on to the EQUATOR system for further updates.

Google on High Alert : New Strategy Changes the Rules!

Could a Social Media Web site be a threat to the dominance of the Google Search Engine?

Facebook has introduced a new revolutionary shift in the evolution of the Internet with its announcement last week at the f8 developer conference of their soon-to-be-ubiquitous “Open Graph” initiative - a new form of “social links.”

The launch of this new platform allows Web sites to drive traffic from Facebook by including a "Like" or “Recommended” button on their pages. Facebook's Open Graph allows readers to like a topic or article, thereby sharing it with their Facebook friends and in some cases, creating a permanent link in their profile.

 

Will Like Replace Links?

It seems that the “Like” button could potentially become more popular than “Links” largely because the information shared is related to a specific user and carries with that their recommendation. According to Zuckerberg billions of "Like" buttons will shortly be scattered all over the web.

It is estimated that more than 50,000 Web sites have installed the new social plug-ins within the first week of the announcement. One of those companies, ABCNews.com, reported a 250% jump in Facebook referral traffic since adding the plug-in only a week ago. So overall the “Like” button seems to be great for creators of good content such as authors, publishers, top brands, etc. Good content can now be tagged, shared and indexed and the creators benefit from potentially a huge viral distribution.

Keeping them Honest

• The obvious concern is of course that Facebook becomes the gatekeeper of millions of people’s preferences…lots of very valuable information in the hands of one company. This is even a larger concern as Wired magazine reported that Zuckerberg stated he doesn't care about the privacy of Facebook users.

• Facebook has also made a very strategic move to become a very dominant “traffic cop” that directs and shapes a significant chunk of all web traffic.

• Google must be very concerned as this undermines their algorithm that uses links between sites to determine the order of their search results. If “Likes” becomes more popular than “Links” we could have a challenge for the leader board.

• Staying in the race Microsoft this week announced “Messenger Connect.” Their version of “Your Internet ID’” they claim with be all your social profiles rolled into one. Never count Gates and company out.

For now Facebook has clearly strengthened their position as the #1 social media network. As a matter of fact they are surging forward as one of the largest repositories of personal information in the world.

About the Author Nineteen-time author Stefan Swanepoel publishes the annual Swanepoel TRENDS Report and the annual Swanepoel SOCIAL MEDIA Report. His Reports are widely regarded as the leading research on the most important business and technology trends impacting the real estate industry. For more information visit www.RETrends.com and www.Swanepoel.com

What does "highest and best" mean?

So your real estate agent has called you and says your bid is just one of many that the listing agent has received on the Southfield foreclosure.  He says you need to give your highest and best offer.

"Highest offer" means highest price.  But highest price doesn't always win.

"Best offer" comes into play now.  "Best offer" means the easiest type of offer to close.  "Best offer" means the least number of possible obstacles.  So I am going to list the "best offers" in order.

1. Cash offer with no inspection
2. Cash offer with inspection
3. Conventional mortgage with large down payment with no inspection
4. Conventional mortgage with large downpayment with inspection
5. FHA mortgage with no inspection
6. FHA mortgage with inspection
7. 203K mortgages, or any mortgage that is out of the ordinary.  Banks and listing agents get nervous about specialty loans.  If the listing agent doesn't use the loan a lot or unsure about the closing potential they are going to recommend to the bank to go with a different offer.

I have seen cash offers with no inspections win over a FHA inspection when there was a $25,000 difference.  So when you are putting in your "highest and best offer" think about what I said above.

SEARCH MICHIGAN FORECLOSURES

LIVONIA MICHIGAN REAL  ESTATE AND RELOCATION INFORMATION

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So many people have helped you over the years.  Take time today to thank those around you.  They will appreciate it.  Sometimes a simple "thanks for all you have done" will put a smile on the persons face that lasts all day. 

Russ Ravary your Metro Detroit realtor

           

Making Home Affordable - The banks get another report card

According to the most recent Servicer Performance Report, there has been a dramatic increase in the number of loans modified under the Home Affordable Loan Modification Program or (HAMP). The HAMP program is part of the Making Home Affordable Program launched by the Obama Administration in February 2009.

So how are the banks doing? What level of participation are different banks demonstrating?

Let's take a look.

First an overview of the entire program. Here are some interesting statistics:

• The number of permanent loan modifications is up by 45% since last month
• More than 170,000 permanent modifications have been done (guaranteed lower payments for 5 years).
• 91,800 additional modifications have been approved and are pending borrower's approval/acceptance
• Over 1,300,000 borrowers have received Trial Modification Offers
• Median Savings for borrowers that received a  permanent loan modification = $518/month
• Making Home Affordable has a goal of offering 3-4 million homeowners loan modifications by Dec. 2012.
• 1,300,000 offers to date

Of the permanent modifications that have been done so far:

• 100% had an interest rate reduction
• 40.8% had the term extended
• 27.8% had some sort of principal reduction/forbearance

The Hardship reasons for permanent modification were:

• 57.4% Loss of income
• 10.8% Excessive Obligations
• 2.7% Illness

So how do individual banks compare?

One of the biggest questions homeowners have is "What are my chances of getting a loan modification with ------ Bank?". Here's how the different banks compare.

It's pretty clear that while GMAC is not the biggest servicer, they are doing more loan modifications per loan they service than any other bank. It's also pretty clear that while Wachovia has become a Listing Agent's favorite bank to work with on a Short Sale (see my post on that topic here - Wachovia / Wells Fargo reaching out to Temecula Homeowners), they are far more interested in doing Short Sales (and foreclosures) than HAMP loan modifications.

Here are the total numbers by servicer.

 

Here is a look at the types of Investors behind the loans that have been modified.

 

And one last chart to show the MSAs with the highest HAMP activity.

The numbers show that my area of Riverside/San Bernardino/Ontario is 5th in the nation with regard to HAMP activity.

If you want to see the entire report you can access it from my site at http://aimreg.com/-hamp.asp on the left sidebar. As of this post, the Feb 2010 report is the most recent.

-Temecula CA Real Estate

***********************************
David Northup - Broker, Realtor®, Owner
Aim Real Estate Group Inc.,   Temecula Real Estate
"Providing Direction For Buyers and Sellers"
Delivering "Raving Fan" Customer Service in the process
**Buyers - Contact David for a list of available homes!
**Sellers - Let me provide you with a comparable market analysis that will give you an idea of your home's current value. Even if your home's value is less than the amount you owe, we can still typically make arrangements to sell your home at little or no cost to you.

Call me at (951) 326-0196 or choose one of these other ways to connect with me . . .

         

*** All information/opinion offered is deemed reliable but not guaranteed. CA DRE License # 01802944 ***

What Makes a Short Sale Specialist?

When I closed my first short sale in 1998 I had no idea that 10 years later I'd be doing them with any regularity. At that time, short sales were uncommon; they remained uncommon through 2006. Even in 2007, other agents needed to be educated about what a short sale was, how long it took to close, and what process the negotiation would entail. 

Having closed dozens of short sales in the period since 2007 in Westchester and the surrounding counties, I now see a larger number of agents who are familiar with short sales. I also see a higher number of agents who bills themselves as "short sale specialists." In some cases, they have earned a designation. I applaud any agent who furthers their knowledge. However, designations can be misleading and may not help the client. 

There is only one problem with an agent who calls them self a specialist these days, and that is this: they may not really be specialists. Designations mean nothing if you cannot successfully negotiate and close a workout. In Westchester, there are enormous numbers involved, and if a home seller cannot close on their short sale because their agent, well, stunk, they could be stuck with a lingering debt, or, worse, a deficiency judgment for tens of thousands of dollars. What's worse, if these sellers really knew how many short sales their "specialist" agent actually closed (often, between zero and one) they would be mortified. 

The code of ethics strictly prohibits misleading clients as to the agent's scope of expertise. A special designation might circumvent an outright violation. But it doesn't protect a Westchester homeowner from huge problems if their agent can't get the job done. In many cases, the homeowner never asked the agent how many short sales they have actually closed. This is madness. I would never have eye surgery with a rookie doctor. Our obstetricians had decades of experience. The same goes for the guy that installed our pool table, water heater, and appliances. The reasons are obvious. 

Yet people still do not ask their prospective agents how many short sales they have closed. You simply cannot be a specialist with no experience; I'm sorry. I don't care if you have a PhD or a photo shaking the Pope's hand. What they taught you in class simply isn't all it takes to handle the loss mitigation department of a lender. Sellers need to understand that if they hire an inexperienced agent to do their short sale, they do so at their own peril. I'd never want a surgeon cutting their teeth on my gall bladder, a lawyer apprenticing at the expense of my freedom, or an agent getting their feet wet at the expense of my finances. 

Simply ask : "How many short sales have you successfully closed?" prior to listing your home. That will guide you far better than a patch on their arm. And if you are an agent who wants to get into short sales, work for someone who does them with regularity. I have often said that any agent can make money in short sales. However, 99% of them should be via a referral to a true specialist.

 

• J. Philip Faranda, Broker-owner, J. Philip Real Estate, LLC. 2010 Vice President, Westchester-Putnam Multiple Listing Service. 
• Read my short sale blog here. 
• J. Philip Serves Briarcliff Manor, Ossining, Croton, the River Towns, Westchester County, and the bedroom counties of New York City.
• Free MLS Search! Register for a Free Listingbook account and search the MLS like an agent. 
• I'm hiring agents. 
• Agents: Subscribe to the 40 Somethings Group. Reach Phil at (914) 723-8900.

All content/images, unless noted, are the property of J. Philip Faranda & may not be used without permission