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Budgeting -- The Critical Flaw That Causes Most Budgets To Fail
Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that most of us start out with the best of intentions, but an unexpected...
Guide to Unsecured Debt Consolidation Loans
While approaching loan provider for an unsecured debt consolidation loan , there
were several fears in your mind. Many of your colleagues were
against unsecured debt consolidation loans because of the very
high rates that they come with....
Home Warranties
What is a Home Warranty?
It is a 1 year service contract that helps protect homeowners
against the cost of unexpected repairs and replacements of
covered major systems and appliances that break from normal
usage. What Does a Home Warranty...
The Gibson Company Finds New Building for ResMAE
Newport Beach, CA - November 23, 2004 –The Gibson Company today announced that ResMAE Mortgage Corporation has signed a 79,897 square foot, 10-year lease at Six Pointe Drive in Brea, California. ResMAE Mortgage Corporation will occupy three floors...
The Seller's Guide to the Buyer's Eye
The Seller’s Guide to the Buyers Eye A strong tendency towards a sellers market will continue until the baby boomers finish the cycle of buying and selling real estate, estimated to end in 20 years, according to the Senior Real Estate Association....
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Home Warranties
What is a Home Warranty?
It is a 1 year service contract that helps protect homeowners
against the cost of unexpected repairs and replacements of
covered major systems and appliances that break from normal
usage. What Does a Home Warranty Cover?
- Water heater - Heating system/Cooling system - Plumbing system
- All major appliances - Electrical system What it Doesn't Cover
- Roof - Doors & Walls - Items not built-in Optional Warranties
- Roof - Well pumps - Swimming pools, spas
A warranty normally excludes pre-existing conditions, such as
items that are not in working condition when coverage is put in
place. Where can I get One?
Your REALTOR can provide you with the company information. Many
times a seller pays for and provides the coverage to the buyer
as part of the transaction.
Ask for a "seller provided" warranty when making an offer on a
house. Many buyers purchase them for their own protection.
How Much Do They Cost? The cost for a basic one-year home
warranty ranges from $325 to $425. Optional coverage is per
added item, such as pool, spa or well pump. Each contract calls
for a deductible payment or service call fee from the claimant
directly to the repair contractor. This fee is usually $50 to
$100. The warranty company picks up the cost of repair above
that amount. Home warranties have proven
to be well worth the
cost of coverage. As a buyer, use it as a negotiation tool in a
purchase contract. Why a Home Warranty
Sellers: A Home Warranty provided by the seller will be viewed
as a benefit to the buyer. Adding a home warranty to your
listing adds confidence and might result in someone purchasing
your home over a newer home. Many people are nervous about old
appliances and fixtures. Buyers are much more comfortable with a
house that includes a one year warranty. The warranty can be
promoted in the advertising as a drawing feature of the home. It
protects you should something go wrong after the buyer moves in.
If a covered system or appliance repair is needed, the Buyer
calls the warranty company, not you!
This after-sale liability protection is well worth the cost of
coverage. Pay at Closing
There is no charge to the Seller until closing. It is typically
paid through escrow.
For more real estate information and articles visit:
http://www.youshouldown.com
About the author:
Cecilia Sherrard is a full time dedicated Realtor in Northeast
Ohio. With years of experience and knowledge, she has maintained
a multi-million dollar producer status. Servicing areas such as:
Westlake, Lakewood, North Olmsted, Rocky River, Cleveland, Brook
Park, Parma, etc. Visit her website at
http://www.youshouldown.com
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