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Daily Foreclosure and Distress
Homes Report
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Receive by e-mail a free daily report on
foreclosures and distress sale homes in your area.
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Save Thousands
of Dollars When Buying a Home
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FREE no obligation easy to understand report provides simple
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BEWARE!
13 Extra Buyer Costs You Need to Know About
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no obligation report let's you know about 13 extra buyer
expenses you need to know about before you start your home
search. |
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ways to avoid 9 buyer traps that most buyers fail to navigate
before they happen.
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Buy a Home With No Money Down
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FREE Special Report
"6 Things You Must Know Before You Buy"
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Discover how to avoid these costly mistakes.
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FREE Special Report "How To Stop
Paying Rent and Own Your Own Home"
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Questions Real Estate Agents Hate
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| 10 questions
you must
ask when interviewing an agent. |
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Your
Realtor:
Virtual
Real Estate Store
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August
2001
America's Real
Estate Superstore
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Copyright
© 2001 Realty Times
All Rights Reserved.
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To
Lock Or Not?
How To Do It Right
To
lock an interest rate or not lock, that -- with
apologies to Shakespeare -- is the question.
Borrowers always
wonder if they should lock-in interest rates when
they first apply for a loan -- or should they wait
and see where the market goes? There is no sure
answer because either choice involves some risk.
If you lock now and rates fall, you lose. If you
don't lock now and rates rise, you also lose.
Alternatively --
and here's the good news -- you win by locking
before rates rise and you also win by not locking
in a market where rates are falling.
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What
to do?
The first
step is to understand how the locking
process works. In essence, there is no
single lock-in "standard"
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Ten
Tips For First-Time Buyers
Each
year more than 40 percent of all homes are purchased by
first-time buyers according to the National Association of
Realtors, a percentage which should offer some comfort if
you're about to buy a first home. Others have done it,
others are doing it, and you can too.
But like most things, there
are ways to make the process easier. Here in capsule form
are 10 baseline strategies to make that first purchase a
good experience.
1. Think credit. Poor
credit will make you a bigger risk in lender eyes -- and
more risk means higher rates and steeper monthly mortgage
costs. Make a point of paying credit car bills, auto
loans, rent, and other payments on time, all the time, and
in full.
2. Consider taxes. When you
buy a home mortgage interest and property taxes are
generally deductible from income taxes. This means while
monthly housing costs may be larger when you own than when
you rent, what you save
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Homeowner's
Insurance:
The Last Paperwork
Closing
is the moment when all parts of a real estate transaction
come together. But what may surprise buyers is that even
at closing you may need still-more paperwork.
Huh? Between sale
agreements, disclosures, and mortgage applications wasn't
there enough paperwork? What more could anyone possibly
want?
As it turns out, there is
one item closing agents are likely to demand: evidence
that you have homeowner's insurance.
Virtually all of what it
takes to finalize a real estate transaction will be
handled at closing. The settlement agent will take in
money from the buyer and the lender and pay out money to
the seller, tax collectors, and others. But in many cases,
homeowner's insurance will be shown as "POC" on
the settlement form or "paid out of closing."
In effect, you need to
obtain homeowner's insurance on your own. This is good
news because it means you have the opportunity to shop for
rates, terms, and coverage. Once you've made your choices,
you must then provide evidence at closing to show that you
have adequate coverage.
Lenders are interested in
homeowner policies because they will be named as the
"mortgagee." At closing this may
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Don't
Let Energy Costs Freeze Homeownership Chances
Tick.
Tick. Tick. It's the sound of your power and light bill noisily
rising each month. While increasing energy costs are problematic
for us all, they're especially tough for those with fixed incomes
and few discretionary dollars.
The good news is that energy costs
need not sink ownership dreams. There are steps you can take to
hold down fuel bills, including three big ones:
Purchase an energy-efficient home.
Many first-time buyers gravitate to new construction since buyers
assume such homes more readily meet energy-efficient guidelines.
But don't overlook resale homes that have been upgraded and/or
remodeled. Ask for copies of utility bills for the past year to
gauge how existing homes compare with other properties of similar
age, size and construction.
Daily
News and Advice
Read about the events shaping the Real
Estate market today, find current interest rates, or
browse the extensive library of advice and how-to articles
written by some of the top experts in Real Estate. Updated
each weekday.
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Valuation
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free no obligation home valuation. |
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Your Home
Didn't Sell. Do You Know Why?
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| Your home
didn't sell or your listing expired. It likely wasn't your home.
We can show you why with a FREE DVD and report, How to Sell a
Home That Did Not Sell.
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How to Get Your
Asking Price in a Buyer's Market
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FREE no obligation report and DVD showing you how to get your
asking price in a buyer's real estate market. |
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27-Keys to
Selling Your Home
Quickly and for Top Dollar
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FREE no obligation report and DVD explaining the 27-keys to
selling your home quickly and for top dollar.
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Sell Your Home For
$ 27,584
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how you can sell your home for more money in less time with our
Team |
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11 High Cost Inspection Traps You
Should Know Weeks Before Listing Your Home For Sale
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help home sellers deal with this issue before their home is
listed, a free report entitled "11 Things You Need to Know to
Pass Your Home Inspection" has been compiled which explains the
issues involved. |
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clearly identifies potential trouble-spots, and lays out an
easy-to-follow step-by-step system to help you get the most
money for your home |
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Mistakes to Avoid When Selling Your Home as a Result of a
Divorce. |
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