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Car Buying and Lemon Law Tips
Copyright 2005 Daniel Ellenwood
Car buying is not a task to be taken lightly. The cost of a new
car equals almost what my parents paid for their first home.
It's imperative to do behind the scenes research to ensure you
get a great deal....
Credit Card Charge-Off - What Does It Mean And What Should You Do About It?
Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with...
How to Qualify For 90% plus Commercial Financing!!!
There are three important questions that you must understand and answer correctly in order to achieve 90% plus commercial financing! Where to go to locate it? What type of project will qualify? And last, how to negotiate for it?
To start, you must...
How To Sell Your Home Instantly & For Full Value
1-888-641-SOLD AbacusBancLLC.com Click Here : To Register With No Cost or Commitment Thank you for your interest in the Easy Mortgage Money system. Now you can see for yourself how the Easy Mortgage Money system enables you to: 1....
One Stop Shop for Investment Property
The ‘one stop shop’ for buy to let As the buy to let market continues to go from strength to strength, a unique website has been established for landlords looking to dispose of both residential and commercial buy to let property with the ability...
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New Home Buyers - Who Represents You?
Buying a new home is different than buying a resale although
most of the rules are the similar. New home sales
representatives work for the builder. If you buy a new home
through the builder's sales rep you will have no one
representing your interests. Most states do not require builder
sales persons to be licensed real estate agents. Who is on your
side?
1)Why Buyers Agents - The home buying process is full of
traps for the unwary, inexperienced, and even the experienced
home buyer. A good Buyers Agent can help you stay on course and
avoid the problems. Understand that not all real estate agents
are equal, spend some time interviewing agents. Interview 2 or 3
agents expect a strong presentation of their qualifications,
experience, and written guarantees of performance. Today's best
Agents are internet savvy, have a team approach and use an
interactive computer presentation of the facts.
2)Know What Can You Afford - Your Buyers Agent will
insist that you to be pre-approved for a mortgage (not
pre-qualified) before starting the home search. They will direct
you to 2-3 bankers/mortgage companies that they are confident
can follow through and close your loan will little or no
hassles. You will find that builders usually have the own
mortgage contacts some have their own mortgage companies.
3)What Builder is Best For You - Your Buyer agent will
help you determine your specific needs and preferences before
shopping for a builder. What area meets your needs for schools,
distance to work, church, and shopping? Now you and your buyer
agent can look for subdivisions or custom builders in that area
who will best address your needs. Take your time, shop around.
Inspect model homes, pick-up brochures with floor plans and
pricing become educated before making your choice. With your
Buyer Agent interview builder sales representatives.
4)Select Your Community - What amenities are available,
pool, tennis, golf, club house, gated community? Is there a
homeowners association if so you must have a copy of the
covenants and restrictions these tell you
what the community
rules are regarding what you can and can not do with your own
property. Your buyer agent can help you check local land use
regulations and what is planned on the vacant land nearby you
may end up with a 24 hour gas station behind your new home.
5)Contract and Negotiations - This is the maze your Buyer
Agent will help you navigate. There is always room to negotiate
with builders it may not show as a dollar amount off the price.
They have homes built as spec, premium lots (remember all lots
cost the builder the same), homes that are more efficient to
build than others, specials on upgrades and options, special
discounts from vendors and suppliers. Builder incentives on
using their mortgage company, title company, upgrades and
credits.
6)Inspectors and Inspections - The top Buyer Agents will
guide you to hire a licensed structural engineer to inspect the
major structure of your new home before the drywall is hung. A
licensed home inspector can inspect the home for systems and
operation. The best builders offer planned inspections of your
home with you during various construction stages i.e. site
inspection, pre drywall, pre closing punch list.
7)Closing Date - A Buyers agent will follow up on the
construction process home builders are known for not meeting the
closing dead lines. Weather, subcontractor delays,
supplier/vendor deliveries behind schedule, field supervision,
and holidays all can add up to days, weeks and months of delay.
Insist in your contract that you receive a 30 day notice of the
closing date so you and your family are not stuck in a hotel
waiting for settlement.
About the author:
Bill Carey offers insights to the buying and selling process of
residential real estate for F*R*E*E information and reports see
http://www.BillCareyRealto
r.com "Insider Real Estate Secrets Revealed" ...a must-read
for Home-Owners and Renters! It's a FREE 12-lesson e-course
covering more than 20 topics exposing the realities behind
buying and selling a hom
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