Blog

How to get qualified to purchase a home for no money down

by Patricia Hart

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How to get qualified to purchase a home for no money down Even with all the insanity that happened during the mortgage meltdown and all the changes that resulted in how money would now be lent to buyers, there are still some amazingly affordable loan programs out there. Included, believe it or not, no-money-down options for buying a home. Here are some of the best programs that are out there today and how you need to get qualified to purchase a home using them to buy a home for no money...

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How to get the home with the furniture included

by Patricia Hart

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How to get the home with the furniture included So you like the dining room table in the house you want to buy, but your agent tells you it’s not included with the sale. What do you do? In short, you ask for it. Well, you negotiate it as part of your offer to purchase the home from the seller. To effectively get the home you want with the furniture included, you should identify in advance any furniture that you are interested in buying and let the seller (or your agent) know...

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How much money will go into your pocket after your home is sold?

by Patricia Hart

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How much money will go into your pocket after your home is sold? It’s not what you make, it’s what you keep that matters. This holds especially true when it comes to the sale of your home. The sales price you see at the top of the closing paperwork is rarely, if ever, the amount of money that ends up in your pocket as the seller. There are often a variety of costs and fees associated with getting a home sold, so it’s important that you understand exactly what you’re...

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How much should you offer on the home you fell in love with?

by Patricia Hart

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  You’ve spent the last few months looking for a home and now the only thing that stands between you and having the right to negotiate full ownership of the home you fell in love with is preparing an offer that will be acceptable to the seller.   The purchase and sales agreement is the first formal communication that leads to the final deal and eventually a closing when it’s time for you to take ownership of the property.   The total agreement between...

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How to Find Bank Foreclosures and Distressed Sales

by Patricia Hart

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How to Find Bank Foreclosures and Distressed Sales Everyone wants a hot deal. For those who have the ability/desire to work with a home that is, in most cases, less than perfect, foreclosures and distressed sales represent some of the hottest deals out there If you want to locate distressed properties, the first thing you have to understand is that no one will usually advertise their home as a “distressed property” unless they are absolutely desperate to unload their home. Homeowners,...

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How to handle a multiple offer situation

by Patricia Hart

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How to handle a multiple offer situation Over the last few years, buyer’s hunger for properties has been insatiable. As a result, properly priced homes were fetching multiple offers on a consistent basis. Though things have settled a bit recently, we’re still in a seller’s market, and that means the chance your listing will receive multiple offers on it is still very much a reality. But, as exciting as having a bidding war on your property is, it can also provide for...

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How to Sell Your Home Fast and for the Most Amount of Money

by Patricia Hart

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How to Sell Your Home Fast and for the Most Amount of Money The market has been moving at a pretty good clip over the last several years and it appears that things are going to stay that way for a while. According to the Case Shiller Home Price Index across the United States have increased roughly 45% over the last 5 years. Despite all of the amazing things that have been happening in virtually every market across the country, including ours, one thing still rings true no matter...

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If your home inspection report comes back bad, now what?

by Patricia Hart

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If your home inspection report comes back bad, now what? One of the biggest deal killers for any real estate transaction is the home inspection. It strikes fear into the hearts of sellers and buyers...even though virtually everything about a home can be repaired or replaced. The good news is that if you have a great real estate agent and a competent home inspector, you can usually handle a failed inspection report properly without having to panic in the process. The key thing to remember...

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What does a real estate agent actually do?

by Ryan McNab

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What does a real estate agent actually do?   Being a real estate agent requires you to employ a significant number of skills to complete a variety of different tasks on a daily basis. Trying to put in one or two sentences what an agent does each day is virtually impossible to do. It would be like trying to tell you what a chef does — “cooks food” — or what a nurse does — “takes care of patients”. There’s a lot more that goes into what...

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What is your debt to income ratio...why should you care?

by Ryan McNab

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What is your debt to income ratio...why should you care? Any time you have more income and less debt, you’re in good shape in life. That said, there is an ideal ratio between your debt and income in order to qualify for a good mortgage. When your debt to income ratio is on the high side, you run the risk of not getting a good loan (or not getting a loan at all) if your income were to take a hit right before or during the loan funding process. Conversely, having no debt can work...

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