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Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
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How To Find a Real Estate Agent

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You may be of the opinion that you don’t need a real estate agent and that using one will add to the cost of buying your new home.

The fact is that a real estate agent’s fees are typically paid by the seller of the home. So, as a buyer, you can get the services of a professional real estate agent without having to directly pay for it. Please confirm this in any paperwork or contracts that a real estate agent may provide because policies vary greatly by state and company. Be sure to ask about fees when you interview agents.

Most of these agents may work with buyers and sellers but often they specialize in working with one or the other. Make sure the agent that you choose has experience working with buyers and with no down payment transactions.

Be careful if you are speaking with a real estate agent and they don’t seem to recognize terms like „Down Payment Assistance Program“.

Start making a list of possible real estate agents to interview with referrals from your lender, friends and family.

A referral from the lender is great because you get the services from people that have worked together in the past and are already familiar with each other’s systems. This can help prevent any last minute surprises or obstacles.

Questions to ask while you are interviewing an agent:

Please explain your fees.

Are you familiar with any no down payment financing programs?

Have you been involved with no down payment buyers in the past?

Would you mind providing sample contracts so I may review them?

Does it clearly state in the contract who will be paying your fees?

How long have you been a real estate agent?

Do you mostly work with buyers or sellers?

I’m looking for a home in the areas of ______. How familiar are you with those areas?

What specific steps would you take to help me find the home I am looking for?

You should also try to get an idea of these factors while you are speaking with the agent.

– Does this person have good negotiating skills?

– Do you feel this agent is trying to understand your situation so that they can properly represent you to sellers?

– How much knowledge does the agent have about mortgage markets?

Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
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Source by Alex Fir

FSBO – So bereiten Sie Ihr Haus für den Verkauf vor

Kostenlose Immobilienbewertung

Hast du das gehört? Laut Marktexperten sind die Preise für Häuser in Phoenix für 2005 jeden Monat um 5% gestiegen! Einige sagen sogar voraus, dass der Preis für Wohnimmobilien für das kommende Jahr um weitere 10% steigen könnte. Der Mangel an Häusern für den Verkauf und die immer noch relativ niedrigen Zinspreise führen dazu, dass die Preise für Häuser nicht nur hier in Phoenix, sondern landesweit eskalieren. Was bedeutet das? Wenn Sie darüber nachdenken, Ihr Haus zu verkaufen, gibt es keinen besseren Zeitpunkt als die Gegenwart. Spring auf den Zug!

Okay, großartig, sagst du? Ich werde ein Schild kaufen, das vom Eigentümer zum Verkauf angeboten wird, es im Vorgarten ausstellen und an diesem Wochenende ein Tag der offenen Tür veranstalten. Ich sollte mein Haus bis Ende nächster Woche verkaufen lassen! Nun, zwei Monate später befindet sich das Verkaufsschild des Eigentümers immer noch vorne und Sie haben keinen Käufer. Denken Sie nicht, dass der Verkauf eines Hauses ein Kinderspiel ist, nur weil es an zum Verkauf stehenden Häusern mangelt. Es kann nicht so einfach sein, wie Sie denken. Anstatt einen Makler zu benutzen, sind Sie entschlossen, das Haus selbst zu verkaufen. Das ist in Ordnung und es ist möglich. Die Leute machen es die ganze Zeit; Welche Tipps helfen Ihnen jedoch, Ihr Haus für den Verkauf vorzubereiten? Ich habe die Recherche durchgeführt und vier Tipps zu minimalen Kosten bei der Vorbereitung Ihres Verkaufs gefunden:

1. Aufräumen. Der erste Eindruck ist immer der bleibende. Sie möchten, dass potenzielle Käufer beeindruckt sind, sobald sie Ihr Haus von der Straße aus entdecken. Alles vom Hof ​​über die Fenster bis zu jedem Raum im Inneren sollte blitzsauber sein. Und wenn Sie eine Sammlung von mehreren Sammlungen von Sachen haben, lenkt dies den Käufer ab und nimmt die Schönheit Ihres Hauses wirklich weg. Wenn Sie sich nicht von diesen Gegenständen trennen können, packen Sie sie in Kartons. Ein potenzieller Käufer wird nicht von ein paar verpackten Kisten im Haus beleidigt. Sie erwarten höchstwahrscheinlich, dass Sie sich trotzdem auf einen Umzug vorbereiten.

2. Desodorieren. Dies geht Hand in Hand mit der Reinigung Ihres Hauses und der Beseitigung der Unordnung. Wenn Ihr Haus riecht, wird es nicht verkauft. Wenn das Haus eine Weile leer stand, gibt es für einen potenziellen Käufer nichts Beleidigenderes als den Geruch von Mehltau. Bitte kümmern Sie sich um den Mehltau, bevor Sie das Haus zeigen. Und Sie Tierhalter verstehen, dass Ihre kostbaren kleinen Haustiere, die Sie drinnen halten, nicht geruchsneutral sind. Sie haben sich gerade an den Geruch gewöhnt. Ein potenzieller Käufer wird die Haustierbestellung sofort abholen. Gleiches gilt für Zigaretten.

3. Malen Sie das Haus neu. Okay, vielleicht haben Sie eine blaue Küche, ein orangefarbenes Wohnzimmer und ein rotes Badezimmer genossen. Aber Ihr potenzieller Käufer ist möglicherweise nicht so innovativ. Experten sind sich einig, dass neutrale Farben am besten zur Präsentation Ihres Hauses geeignet sind. Schauen Sie sich auch die Dekorationen an der Wand noch einmal an. Entfernen Sie alles, was Ihren potenziellen Käufer beleidigen könnte.

4. Umarme die Sonne. Die Phoenix-Hitze interessiert mich nicht besonders, aber ich liebe die Sonne. Es symbolisiert Lachen, Glück, Helligkeit, Dinge, die optimistisch und positiv sind. Öffne die Jalousien und den Vorhang in deinem Haus und lass den Sonnenschein herein!

Denken Sie daran, Sie möchten den potenziellen Käufer beeindrucken. Wenn Sie diese vier einfachen Tipps befolgen, können Sie dem Spiel einen Schritt voraus sein und die Zeit reduzieren, die für den Verkauf Ihres Hauses erforderlich ist. Wenn Sie jedoch nicht die Zeit haben, das Haus selbst zu verkaufen, und nicht möchten, dass die Miete eines Maklers teuer wird, besuchen Sie bitte meine Website, um den kostenlosen Bericht "Verkaufen Sie Ihr Haus in sieben (7") zu lesen ) Tage um [http://www.adpropertyconsultants.com].

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 Andrea Groves

Das neue Hardselling: Verkaufen heißt verkaufen – So kommen Sie zum Abschluss

Das neue Hardselling: Verkaufen heißt verkaufen - So kommen Sie zum Abschluss

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Verkaufen heißt verkaufen – So kommen Sie zum Abschluss
Gebundenes Buch
Martin Limbeck, Verkaufstrainer und Hardselling-Experte, bringt den Verkaufsprozess wieder auf das Wesentliche: Verkaufen heißt verkaufen. Es geht um den erfolgreichen Abschluss und gleichzeitig um den Aufbau einer langfristigen Beziehung zum Kunden. Wie dies gelingt, zeigt der Autor anhand der acht Stufen einer erfolgreichen Kundenakquise: vom telefonischen Erstkontakt über das Erstgespräch und den Verkaufsabschluss bis hin zum After-Sales-Service. Ob als kurzweiliges Intensivtraining, informatives Nachschlagewerk oder Inspirationsquelle für kreatives Verkaufen – das Buch bietet Know-how für alle, die beim Verkaufen den optimalen Abschluss suchen.

Neu in der 5. Auflage: Social Media und After Sales – wie Top-Verkäufer Kunden noch mehr begeistern.

„Limbeck … überzeugt mit einem exzellenten Aufbau und vielen Lesehilfen und überrascht mit konkreten Tipps für Kaltakquise, Kundenbesuche und Preisverhandlungen.“

Financial Times Deutschland

„Limbeck verkauft. Er kann nicht anders. Es ist die Rolle seines Lebens.“

managerSeminare

„Ob für ‚alte Hasen‘ oder Newcomer, für jede Menge Aha-Erlebnisse ist gesorgt. Uneingeschränkt lesenswert.“

Cash. Das Kapitalanlage-Magazin

„Er schreibt nicht nur über Verkaufen. Er redet nicht nur über Verkaufen. Er lebt Verkaufen.“
M anagementbuch



Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
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How to Prospect For New Commercial Real Estate Listings

Kostenlose Immobilienbewertung

PROSPECTING FOR COMMERCIAL REAL ESTATE LISTINGS

Commercial Retail and Industrial Listings

Any Real Estate Agent or Broker who wishes to have a successful career in commercial and industrial real estate must regularly obtain marketable listings. Listings are the agents „stock on the shelf“ and your income now and in the future depends on the quality as well as the quantity of the listings that you obtain. The more listings that you have the more buyers and tenants you will attract. This makes the deals all that more easy for you. More listings mean that you dominate your market and lessen the impact of your competition.

In the commercial and industrial property, listings commonly may include:

  • Land that is suitable for commercial, industrial or retail development
  • Commercial, industrial and retail buildings that are for lease
  • Businesses that occupy premises from which they serve and supply their markets
  • Commercial, industrial and retail buildings that are for sale to owner occupiers or investors both large and small

Developing a Client Base

The secret of success in commercial and industrial real estate is to have your own client base. Those clients who work comfortably with you and who respond positively to your advice in relation to their real estate requirements are the clients you need to develop. As it is the clients who pay your fees, and not the tenants or buyers, they are very important people in your business life and it is essential that you represent yourself strongly to them at all times. As these people and organisations readjust their property portfolios to meet their emerging real estate requirements, they will continue to provide you with listings. In addition, if they are satisfied clients they will refer you to other business leaders, friends and family, and so provide you with more business.

Knowing the Real Estate Market

To provide effective advice to prospective clients it is essential that you know the market – commercial, industrial or retail – that you are involved in and that you have detailed knowledge of the geographical area in which you operate. To do this effectively you will need to:

  • Canvass your territory constantly according to a plan and become well known to businesses and people in the area
  • Know every property that is for sale or lease in your territory
  • Maintain a list of property transactions that occur and have occurred in the last 3 years
  • Keep an eye out for private transactions by property owners
  • Involve the management of your office and other team members with what you are doing
  • In addition, you should understand the factors that motivate companies in your area to move to other space, and you should be aware of the forces that encourage investors to buy and sell in your area or precinct.

WHAT MAKES A SUCCESSFUL AGENT OR BROKER?

So what makes a successful agent or broker from the client’s perspective, and someone that the client wants to do business with and through? It is an interesting question to ask from a clients perspective, but history shows that the factors which stand out as being of prime importance to clients are the agent’s knowledge of the market and the quality of the advice given. The negotiating skills of the agent and the ability to act quickly are also important and rank highly. Adherence to client instruction, property marketing skills and confidentiality were seen to be of slightly lesser importance.

It is clear from this analysis that the factors which are going to have a vital influence on the successful listing of a client’s property are knowledge of the market and the quality of advice. Owners are looking for agents and brokers who know the marketplace and have readily available records information about companies and investors that are looking to make immediate decisions on properties they require, own, or occupy. Your clients want an agent who will immediately bring a listed property to the attention of such people.

So, at the point of listing, being able to communicate effectively with the owner about the commercial and industrial market place and the prospects that are available on your database could certainly lead to a successful relationship and hopefully an ongoing one.

PROSPECTING FOR LISTINGS

Where do you find new listings and how do you go about converting them? This list may help. As you get to know your clients and the geographical area of the market in which you operate, opportunities for obtaining listings will present themselves. For example:

  • Real Estate Transactions. The successful conclusion of any real estate transaction in your region implies that both buyer and seller may be looking for other options. Avail yourself of these opportunities.
  • Liquidation. A failed business is a prime target for agency activity.
  • Vacant Buildings. Be conscious of any buildings that become vacant or derelict as these represent business opportunities.
  • Intermediaries. Maintain close association with the intermediaries of the real estate business. Intermediaries include such people as financiers, bankers, insurers, builders, architects, engineers, lawyers and accountants. Their clients will at times require the services of real estate agents and a recommendation from these people is invaluable. You, in turn, can introduce your clients to such intermediaries and sound business relationships which benefit both parties are established and maintained in this way.
  • Newspaper Articles. Articles that are prepared by you or in which you are quoted, bring your name or your firm’s name to the attention of the public.
  • Direct Mailing. The regular mailing of letters that canvass for properties, when sent to a suitable group of possible investors or property owners, frequently result in listings.
  • Private Advertisements. These can indicate properties that are on the market and the owners may be encouraged to employ your services if initial advertisements have not been successful.
  • Developers/Builders
  • Neighbours in immediate area
  • Property Managements (Rent Roll)
  • Entrepreneurial Activity
  • Previous Vendors & Purchasers

Identifying Ownership

When you discover a property that you feel could provide a business or listing opportunity, it is necessary to identify the owner. The following avenues can often provide this information.

  • Your own office (In each agency there is substantial information from previous transactions and property ownership which can be consulted).
  • Local Government Records
  • Land Title Information
  • Electoral Rolls
  • The Telephone Directory (including the Yellow Pages in the case of businesses)

Further to this there are many other sources of information to be used when identifying owners. These are:

  • Property ownership lists
  • Historic Lands Sales Records
  • Use other agents signboards as a reason to talk to adjacent owners in the locale
  • Commercial property is transacted to a cycle of investment and history shows that it is about every 5 years. Look at the old sales records in your area for the next cycle of potential sales.
  • Tenants will usually tell you the property owner if you ask
  • Directory boards in buildings are a great source of leasing intelligence
  • Business Telephone Lists and CEO contact names
  • Stock Exchange Information and updates
  • Company Searches for large businesses in your area
  • Newspaper Stories & Articles
  • Be willing to dare and try something new

To undertake this process you must be diligent and thorough in your activities so that you do not leave any ’stone unturned‘. Nothing is more frustrating that another agent’s sale or lease signboard appearing in your territory that you just covered last week.

The above information may seem logical; however it is commonly overlooked or not acted upon in most cases, given that many salespeople do not have the personal and sustained discipline needed for the task. The best commercial real estate agents and brokers use this model as their source of listing opportunity.

In closing we should say that this prospecting process does require a good database program to record and channel your ongoing findings. The value of a good database program is high in list of tools of a professional agent or broker working on commercial real estate. Good hunting!

Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
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Source by John Highman

Hören Sie auf, sich im Weg zu stehen: Mentales Selbstmanagement in Alltag und Job

Hören Sie auf, sich im Weg zu stehen: Mentales Selbstmanagement in Alltag und Job

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Mentales Selbstmanagement in Alltag und Job
Broschiertes Buch
Wer steht in Ihrem Kopf eigentlich am Steuer? Ist es die Stimme, die Ihnen sagt, „das wird nichts, das kannst Du sowieso nicht“? Überlassen Sie viel zu oft Ihren Ängsten oder anderen Menschen das Kommando über Ihr Leben?
Dieses Buch hilft Ihnen, ein positiveres Selbstbild zu entwickeln und sich unabhängiger von destruktiven Gedanken und Gefühlen zu machen. Denn nicht Ängste sind das Problem, sondern unser Umgang mit ihnen. Mangelndes Selbstbewusstsein ist kein Persönlichkeitszug, sondern eine wirklich schlechte Angewohnheit. Nicht Nein sagen zu können, hat nichts mit Freundlichkeit zu tun.
Hören Sie auf, sich im Weg zu stehen!



Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
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Navigating The Home Selling Process Like Professionals

Kostenlose Immobilienbewertung

As you’ve probably already guessed selling your home is something that you can do own your own. Many people rely on the knowledge and skills of real estate agents when buying or selling properties. Although these professionals can provide effective solutions to complete sales, their services are not required.

In fact, more people are doing the buying or selling process without the aid of agents. With the Internet and modern technology, finding information related to the real estate industry is easier than it has ever been. A word of caution would be that even though it is easier to find all the resources you need online to sell your home the process can still be stressful. Of course the amount of money you could save selling your home without an agent makes it really tempting to try to sell your property without an agent.

Property owners can cut costs, up to thousands of dollars, by selling properties without agents. There are numerous resources that offer valuable information about how to sell a home. Most are available for little to no cost, and offer as much insight as agents might.

Homeowners used to rely on real estate agents for information on listings. These professionals were in the know about the market, recently sold properties, pricing information, competition and more. They still are today, but the Internet has made this information more accessible to all.

There are numerous websites that can be used during this process. These sites allow people to easily upload information about properties, which means listings can be marketed to millions of Internet users within minutes. More potential buyers and offers are expected when listings are well-marketed.

More than ever before, potential home buyers are also utilizing the Internet as a tool. There are trustworthy websites designed for property buyers and sellers. Sellers use them as a platform to list properties and reach a large audience. Buyers use them to browse what is available in a specific area. People who use these as a selling platform are encouraged to be thorough in their listings, including high-quality photos and accurate details.

It can be difficult for do it yourself sellers to determine the right price point, especially without professional help. It is important to research the value of nearby properties, including those recently sold. Keep in mind the condition of the home and details about it that might add to its total value. There are plenty of automated tools that produce pricing estimates, but hiring an appraiser might also be helpful. Consider all these things before setting a price. If a property does not sell after some time on the market, reconsider the price to attract more buyers.

Sellers who do not hire real estate agents to list and sell their property should still consider working with professionals. Real estate attorneys or title companies can help close a transaction by signing off on the final paperwork. Another thing to consider is just because you can advertise your home for sale does not mean that you won’t have to work with a real estate agent to get your home sold. Many times your potential buyer will be working with a real estate agent and it would be highly recommended to offer the buyer’s agent a commission to attract the greatest number of potential buyers. This is often the most complicated step in the process of selling and must be done correctly.

Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
Schnell, zuverlässig und kompetent


Source by Lawan Dixon

Die besten Dividenden-Aktien simplified: Mit der Cashflow-Investing-Methode substanzstarke Aktien auswählen und nachhaltig attraktive Dividenden sichern

Die besten Dividenden-Aktien simplified: Mit der Cashflow-Investing-Methode substanzstarke Aktien auswählen und nachhaltig attraktive Dividenden sichern

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Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
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For Sale by Owner?

Kostenlose Immobilienbewertung

The typical commission required by a realtor for selling a home will be around 6% depending upon which area of the country you live and the market trends. This can be a substantial sum of money that home owner’s may not want to part with. Some homeowners will attempt to sell their home on their own, but keep in mind that as much as 80% of homeowners end up listing their house with an agent after receiving little interest in the property. One of the main reasons for this is that realtor to realtor word of mouth is the best advertising out there to sell your home. Even if you successfully market your home, the buyer will more than likely have an agent to whom you will still need to pay a commission or finder’s fee. If you feel that FSBO is the method for you, take a moment to consider marketing strategies that may help facilitate the process.

Pricing your home accurately is the most important step in the process. If you overprice your home, you are doomed for failure. Check out the comparables in your neighborhood. Be sure to take into account any features these homes may have that yours does not. Look at square footage, lot size, and most importantly, the condition of your home compared to others. If the home down the street sells for $50,000 more than another, be sure to find out why, they may have invested in a high-end remodel that justifies the price. If your home is on the market for an extended period of time because it is overpriced, buyers may begin to suspect that there is something wrong with your home.

The Internet is a priceless marketing tool that any one attempting FSBO should utilize. There are many FSBO websites that offer assistance for free or for a nominal fee. Since the Internet offers access to your home remotely, you will need to make sure that the photos you use are well-done and look professional. Most buyers will not even bother looking at a home listing that does not have eye-catching photos. Make sure that your house is truly immaculate when these photos are taken. Trim the bushes, mow the lawn and clear up any untidiness. If a peeling front door is the only thing wrong with your house, the buyer will never know this because they will never come by to look at your home if the initial presentation is bad. First impressions absolutely count in real estate. Take photos of every room in your house and upload them. Make sure that you open windows, hide the clutter and highlight unique features such as a fireplace or built-in bookcases.

Be as descriptive as possible when listing your own home. Buyers are interested or they wouldn’t be looking so more information is better. Put up signs if possible. Advertise in every newspaper and real estate magazine that is reasonable. Send an e-flyer to real estate agents who represent your area and invite realtors for a tour of your home. It is much easier to market a home that they have seen. Make sure that your home may be easily accessed by realtors, if you put lots of restrictions on the access to your home, it will be prohibitive for a sale. Lastly, have open houses. Invite neighbors to the open house; they may have family that would like to live close by.

Selling your home can be a daunting experience. But if you are committed to a FSBO be prepared to do a lot of marketing on your own. Take advantage of every advertising outlet. If you are one of the lucky few who have success with this method, you will have saved yourself thousands in realtor commissions. Keep the market in mind though when considering this option. Selling your home in a timely manner when listed with a realtor may offset the value of saving a few dollars in commission.

Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
Schnell, zuverlässig und kompetent


Source by Anita Koppens

New Beginnings – Buying A Home

Kostenlose Immobilienbewertung

Buying a home often represents a new beginning, whether you are moving to a different area of town or moving to a new city or state.

There are many steps involved in buying a home, and the process can seem overwhelming. Whether you are a first-time home buyer or have bought and sold many times; the process is complicated and ever changing.

The first step is choosing a realtor. Not all real estate practitioners are REALTORS®; the term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. They can assist you by guiding you through the process; providing objective information for you, helping you find the best property, translating real estate lingo into terms you can understand; and they will act as your agent throughout the process.

When interviewing agents to assist you with your home purchase, make sure you understand how they will be representing you. Are they working for the seller? Are they dual-agents, or do they work as a buyer’s agent? You’ll want to make sure they are representing you, and only you.

The next step is to have a conversation with a mortgage professional. Working with a reputable mortgage broker is essential to a hassle free closing. It is the mortgage professional’s responsibility to provide financing for your new home.

Schedule an appointment early in your house hunting process. Your broker will work with you to identify any credit issues that need to be addressed prior to closing on your new home. Based upon the information presented to them, they will also let you know how much of a loan you qualify for. This information is vital to you and your Realtor when shopping for a home.

Your first appointment with your broker will entail providing financial and historical information for the Loan Application. This information will include but is not limited to the following:

– 2 Year Employment History

– If you plan to use a VA Loan your Certification of Eligibility

– If you plan to use a VA Loan and are relocating your Orders

– 2 Year Rental or Mortgage History

– Vital Statistics for you and your spouse (Birthdate, Social, Kids, Assets, Liabilities, etc)

– Last 2 Years W-2s

– Last 2 Pay Stubs

– Last 2 Bank Statements

– Last 2 Quarterly Retirements Account Statements

Your broker will pull a tri-merged credit report to review your credit history. This report shows everything reporting to each credit bureau (Experian, Equifax and TransUnion). Not all creditors report to all three bureaus so your scores may vary. The lender will use your mid-score when evaluating which loan programs you qualify for.

Should your credit report show derogatory information reporting, your Broker can assist you with credit repair options to improve your credit worthiness.

The only liabilities that will be counted in your Debt-to-Income Ratio will be those that report to the credit bureaus. So, regular household bills like utilities, auto insurance, cable do you factor into the mix. If you do not have a minimum of three trade lines reporting, some financing programs allow you to use standard monthly bills in lieu of revolving trade lines like credit cards.

Once all of this information is obtained, your Broker will be able to calculate the amount of loan you qualify for. Many factors are considered when qualifying you for a loan:

– Gross Income

– Liabilities

– Interest Rate

– Loan Type

– Payment

The standard Debt-to-Income Ratio should fall between 40-45%. When discussing your financing options, it is important to know where you would like to keep your PITI payment. You may qualify for more then you feel comfortable paying each month.

Once this number has been determined, and all documentation has been provided, your Broker can shop your loan with many lenders and qualify you for the loan program that will suit your unique circumstances.

At this point, your Broker will put together a Good Faith Estimate. This document will show you estimated costs involved with closing your loan. If you are using a VA Loan there is a funding fee that is built into the financing. It will also estimate your monthly payment based on current interest rates for the loan program you are qualifying for.

Now that you know how much you qualify for and the payment you feel comfortable with you can shop for a house within your budget.

Your Broker will advise you not to make any new credit purchases or apply for new credit until your loan closes as this will affect your credit score and Debt-to-Income Ratio.

Once you have your initial meeting with a mortgage professional, you should decide where you want to live. If you are getting ready to move to a new area, use the internet as a starting point. Research schools, demographics, crime statistics; research any and everything that is important to you. A sampling of some web sites to get you started:

Scorecard http://www.scorecard.org generates a pollution report card at the county level, giving information on such topics as air and water quality.

School Matters – shows academy performance http://www.schoolmatters.com

The U.S. Environmental Protection Agency’s http://www.epa.gov/epahome/commsearch.htm Has a tool that allows visitors to search a community by ZIP code for environmental facts about the area, including pollution statistics, the location of hazardous-waste sites and information about the area’s watershed.

Zip Skinny http://www.zipskinny.com Enter your zip code to see U.S. Census data and comparison with other zip code

If you need assistance finding this information, a Realtor can provide this information for you or tell you where you can find it. Also, most Realtors have comprehensive relocation packages they can customize and send or email it to you.

After you narrow down the vicinity you want to live in, you’ll want to drive around and see if you still like the area. No matter how much research you do on the internet, nothing takes the place of seeing a neighborhood in person. Pay attention to the upkeep of the neighborhood and look at the surrounding traffic. Does it have the components you are looking for? Is it close to shopping, close to work, close to schools? Does it consist of families, or singles, or working couples? Does it seem safe? Are the homes tidy and well-maintained? Are the streets quiet?

Once you decide on the area, then you can start looking at potential homes. Remember, first focus on the location of the house. From there, focus on the floor plan; whether it is a ranch, bi-level, 2-story, etc. The two things you can’t change in a house are the location and the floor plan; almost everything else can be modified. Different floor plans suit different needs; you may want a ranch with no steps, you may want a bi-level and the kids to have their bedrooms in the basement; you may want a two-story with the bedrooms on the 2nd story and for the main level to be the living area.

In- person property searches can take an afternoon or months, some people like the first house they see, and others see 75 before they find the perfect house. As you walk through a potential house the first time, see if you can imagine yourself living in it, will it fit your lifestyle and all of the things that are important to you. As you leave the house, decide on a scale of 1 to 10, with 10 being the highest rating, where it fits within the range. If it is a 2, discard the info on the house. If it’s a 7 or 8, put it in a „keep pile“. If you spend a couple of days looking, you should be able to narrow it down to your top 3 or 4. You’ll want to look at your top houses again, this time with a more critical eye. Is there anything you missed the first time? Do you still like it? Drive the neighborhood during different times of the day and on different days of the week. Make sure you like the neighborhood, ask questions of the neighbors. Most people are very eager to tell you about the area and why they do or do not like living there. Remember, location, location, location. Ideally you want to buy in an established neighborhood; and you don’t want to fall in love with the most expensive house on the block. You always need to think about resale. If all of the other houses are 3 bedrooms, and the one you love only has one bedroom which is all you need; you may want to think twice about it. Are you going to be able to resell it?

Then, after you have decided you have found your perfect dream house, have your Realtor do a comparative market analysis, CMA, for you. The purpose of this research is to see what comparable houses have been selling for in the same area during the last several months. No matter how much you love it, you want to know if it is priced fairly. If it is overpriced or under-priced, either way you’ll want to know. Remember, the more informed you are the better. The CMA will provide information that can help you decide on your beginning offer price.

The next step is to have your Realtor write an offer with the terms and price you want to offer. Before writing the offer, you’ll want to discuss the purchase price, earnest money, what’s included with the property, closing date, and all types of other pertinent details with your agent. All of these details should be included in the offer. Once the offer is written and you have signed it and written an earnest money check, the Realtor presents the offer along with your prequalification letter to the listing agent who is representing the seller or in some areas it is customary for your agent to present it directly to the listing agent and the sellers at the same time The response to your offer can have several different outcomes; (1) no response from the seller (2) acceptance by the seller with no changes to the offer (3) a counteroffer from the seller which can including anything from the price, to the closing date, to the inspection dates, to the earnest money. Anything in the offer can be subject to a counter. The response from the seller will determine your next move. Ultimately, you and the seller want to come to a joint agreement on all facets of the offer and this will be signed by both parties and detailed out in the counteroffer. In today’s market conditions, many buyers are asking sellers to pay for their closing costs, as well as a home warranty. As a buyer, make sure you thoroughly understand the offer and all of its components. Once it is signed by both the buyer and the seller, it becomes a binding legal contract enforceable by law. In many states, Realtors are required to use state approved legal contracts and forms, and you can get always have a lawyer review the contract.

Once the contract becomes accepted, then you and realtor really start to work. The title commitment (or abstract) is ordered and you, your Realtor and your lender will receive a copy of it. Your agent will help you read through it to make sure you understand the requirements and exceptions that come with the property. This is a very important step, as the title company will be issuing an insurance policy guaranteeing that you have clear title to the property.

Once you have an accepted contract, your Broker will update your application per the contract and submit your file to the lender’s underwriter. Depending on how long it took to find your house, the lender may require you resign the loan documents. The underwriter will review all of the documentation and verifications provided by your broker. Depending on your personal situation the underwriter may ask for additional information or clarification regarding your credit history. This is called a CONDITIONAL LOAN APPROVAL. This means, as long as you can provide the additional documentation, the underwriter will approve your loan.

The most common items on a conditional loan approval list are:

– Letter of explanation on credit history

– Pay off old credit accounts or proof they were paid

– Provide proof of home owners insurance

– Update the title insurance with the lender’s information

– Provide updated pay stubs and bank statements

– Appraisal of the property

– Lock the interest rate

One of the most important steps in the process is to lock in your interest rate. Each lender has their own set of requirements for locking a loan. The rate you were quoted on your Good Faith Estimate is only an estimate based on market conditions at the time of your prequalification. Locking your rate will be a decision you and your Broker will make together prior to closing your loan. Rates are currently at a 28 month low, however rates are subject to change daily, and often times multiple times a day.

From the time your Loan Application is submitted to underwriting until closing can take appx. 21 days. Timing is often times dictated by the time of month you plan to close, how long it takes to gather the Loan Conditions, and the closing date on your contract.

While your loan is going through underwriting, you and your Realtor will get the inspections scheduled. General inspection, structural inspection, termites, radon are just a few of the inspections that can be scheduled and these vary from area to area of the country. As an example, In the Rocky Mountain area you may want to have a structural inspection because of the expansive soil and underground mines; in the Midwest you may have to have an inspection for termites. Your Realtor can suggest the appropriate ones for your area. Remember, this is one of the most expensive purchases of your life, you want to know the condition of the property you are buying. Safety concerns and other major ticket items that come up during the inspection can result in a laundry list of items that a buyer may ask to have repaired or replaced. The seller doesn’t have to agree to fix anything, but it doesn’t hurt to ask. If a contract is going to fall apart, it is usually because the seller and buyer can’t come to terms on inspection items, or it is due to the buyer not being able to qualify for a loan.

If your financing gets secured, if the property appraises correctly, if you come to terms on the inspection(s), if the title (or abstract) looks O.K., and if you get your home insurance secured, then chances are you will close on the property and the property ownership will get transferred to you.

One last thing that should be done before closing, is to conduct a final walk-through of the property. This isn’t a chance for another inspection, but the buyer should make sure that nothing has changed in the property from their last walk-through and the buyer will want to confirm that any personal property negotiated as part of the contract is still there. As an example, if the offer included the refrigerator and washer and dryer; these items should still be in the property during the walk-through. If the property had storm windows on all of the windows, then they should be there during the walk-through.

When a successful closing occurs, it’s the result of a team effort between you, your realtor, your lender, the seller, and the seller’s lender. It’s a perfect way to start a new beginning.

Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
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Source by Kathy Torline

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