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AFTER BANKRUPTCY: APPLYING FOR CREDIT
Many people who have filed bankruptcy in the past apply for credit the wrong way.
They fill out a credit application and hope for the best. Best case, they probably end up paying a lot more in interest and finance charges - hundreds or even...
Credit Repair Collection Agency
Credit repair and collection agencies go hand in hand since one is out to get the other. In other words, we sometimes run from our debts taking advantage of a kind gesture. Collection agencies are not as kind as the lenders so therefore be...
Get Focused Now: 10 Essential Questions
If you feel like life is passing you by, take a look in the mirror and say hello to your biggest opponent. Tell yourself the honest truth. Are you where you planned to be five years ago? Do you have all the fame, fortune, and success that you can...
Keys To Negotiating Well
Whether it's buying a car, asking for a pay rise, saying 'no' to a friend or renting an apartment - at some stage in our lives we all are going to need to know how to negotiate. Yet, so few of us know the basic skills before embarking on life...
Standards are great, but best practices make everything better!
When I travel, I've got standards set for such things as hotels
where I get booked. They must be in a safe area, clean and
reasonably close to the client site. My flights must be
prebooked -- never standby -- on a major carrier...
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Considerations for the Second-Time Homebuyer
A great deal of attention is focused on the first-time homebuyer
but from my experience the stress-level is much higher for the
person(s) looking to buy their second home. Not a second home as
in a vacation home but a second home as in moving up from the
starter home.
Here's why. First off, the second-time buyer has a home to sell
and usually this must be completed before he or she can buy a
new home. It's great if a seller can think of this as a
completely separate transaction from buying the next home but
that's not always easy. For example, suppose you have found the
next home you want to buy but you cannot make an attractive
offer until you know when you will close on your current home.
This could cause you to accept a lower offer on your current
home because you just want to get it sold! If you did not have a
future home in mind, then you might be more aggressive in
getting a higher price for your current home.
And then there is the timing issue. Your home could sell in a
matter of days, weeks, or months. So when do you begin looking
for your next home? If you start too early you may find a home
but be unable to buy it until your home sells, causing more
stress and frustration! Start looking too late and you will feel
rushed to find something quickly as your home is under contract
and the clock is ticking. It would be great if you could just
sell your home for as much money as possible, put all your stuff
into storage and live in a hotel or apartment for a month or two
while you look around and find that perfect next home then try
to get the best price possible for the home you want. This would
eliminate many of the external forces affecting your price
negotiations. Sure there are drawbacks to this plan, like paying
for storage and a hotel and living out of a box for a while, but
wouldn't it be nice to make the financial decisions of selling
and buying a home without regard to the timing issues?
As if buying your second home isn't tricky enough, many people
also find it difficult to balance the "wanta factor". The wanta
factor is what I call it when someone has lived in a home for a
few years and over that time has compiled a lists of everything
he or she wants to have in the next home. As you can imagine
such a list can be very long and often obtaining everything that
is on the list would result in wanting to purchase a home that
is many times more than what you can afford. I hear the effects
of the "wanta factor" all of the time. A typical conversation
goes something like this:
"We are ready to move into the home where we plan to stay for
the next 20 years while our children grow up and eventually go
to college at which time we will then be ready to move again.
Since it will be
our long-term house we want it to have..."
And that's when the wanta factor kicks in. It usually begins
with location and school district, then number of bedrooms and
bathrooms, then gets down to the details like his & her closets,
Jack & Jill bathrooms, full basements, large kitchens, mudrooms,
main floor or upstairs laundry rooms, etc. etc. It is fine to
want all of these things and of course any buyer will have a
list of wants, but to obtain everything on that will be nearly
impossible for nearly everyone who can't afford to build a
custom home.
Herein lies the need to rank and prioritize items on the list.
Husbands and wives should be careful with how this process
occurs. What is important to one might not be as important to
the other. They say the key to marriage is compromise and this
will be a great opportunity to test the theory.
While prioritizing items on the list of desires, keep in mind
two VERY IMPORTANT things:
1) Most people move on average every 3-5 years. You may have
every intention and desire to live in the same home for 20-30
years, but you do not have to and eventually you may not want
to. Think about homes built 25 years ago. They generally were
designed to fit the styles and desires of 1980, not those of
today. Buyers today want big kitchens, granite countertops,
5-piece master bathrooms, wide and long garages, things that new
homes offer. Will your desires in 5 or 10 years be the same as
they are today or will you want to move again?
2) Location, location, location. You can remodel, add on, remove
and replace things in, on and around a home, but you cannot move
it. Finding a home that doesn't have everything you want but is
in a great location may be worth buying because you can
eventually make the home the way you want it. On the opposite
end of the argument, you may find a home that has everything you
want but is located on the corner of a busy highway
intersection. Even though you may not mind the traffic, when you
try to sell it will be much more difficult than if you have a
good location.
When you begin the process of buying your second home, I think
you will find it much more difficult than when you bought your
first home for all of the reasons discussed above. Hiring a
professional Realtor to help guide you through the process is
(in my opinion) critical and should not be overlooked.
About the author:
Mike Bradley is the Broker/Owner of Metro Brokers Eagleview
Properties in Littleton, Colorado. He is an Accredited Buyer
Representative (ABR) and specializes in using the Internet to
help clients buy and sell homes. Visit http://www.MikesClients.com
to learn more about Mike.
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