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A Simple Question We All Wonder - Are Debt Settlement Companies Scams?
Are debt settlement companies scams? It's a simple question so does it have a simple answer? Along with the genuinely helpful firms, there are plenty of operations billing themselves as legit debt settlement companies. These debt company scams prey...
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...
Buying A Business
Buying a business in today’s economic climate requires that you, the buyer, be on the ball, with regard to business basics. This economic climate, as far as businesses are concerned, is a sellers market. With the corporate downsizing, economic...
How to Deal with Bill Collectors
So you’ve screwed up. You’re drowning in debt. Maybe the credit card was burning a hole in your pocket and you just had to get the HDTV. Or maybe you or a family member had a medical emergency while you we laid off. It doesn’t matter to your...
When Debt Collectors Cross the Line - Bogus Threats & Illegal Collection Tactics
If you are behind on your bills and on the receiving end of
collection phone calls, you will probably hear collectors make
some very threatening statements. While most debt collection
professionals try to stay within the boundaries defined by...
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Selling Your Home – What Can Go Wrong With Pricing and Loans
So, you’re selling your home (house, townhouse, condo, apartment, land, lot, farm, ranch, etc.), what can go wrong? The sad fact is that a lot of things can go wrong. However, don’t despair, there are almost as many solutions as problems. In this article, we look at problems related to pricing and a buyer’s inability to get a loan.
Price Negotiation
A problem that shows up all too frequently during contract negotiations is that the seller has left no room to negotiate the price. If the seller shows no flexibility, they are apt to chase buyers away. Mad.
The solution is simple and obvious, price your property a little higher than you feel you have to get. It needs to be a reasonable market price for your home, but you can start at the top of the market. Then, if your buyer wants to negotiate price, you have built in wiggle room.
Price isn’t the only thing that matters to buyers. Settlement and move in times are important, too. This is especially true if the move involves a new employment situation, a new school district, etc. If you can be flexible on those points, that can tip the choice to your property over a competing home.
Another sticky wicket during contract negotiations is encountered when buyers ask sellers to pay all, or some, of the buyers’ closing costs. Often, sellers’ knee jerk reaction
is, “Why should I pay his closing costs? Mine have never been paid by the seller.”
Whoa! Don’t worry about what the buyer is getting out of it. Look at what you’re getting. Is your bottom line what you want it to be? Close to it? Maybe you should consider paying all, or most, of what the buyer requested.
No matter what the proposal is during contract negotiations, don’t freeze into a negative position. Think big picture. Think bottom line. Your bottom line.
The Buyer Can’t Perform
Everything was going along swimingly and then you get a call. The buyer can’t qualify for a loan to buy your home.
Check to be sure the buyer has approached a lender who will make loans to people with less than perfect credit. If that doesn’t work, write it off as a mistake. The next time someone wants to write a contract offer, make sure they have a letter from the lender saying they’re qualified to buy your house.
The key to selling your home is to stay calm. There will be hiccups and bumps, but don’t let them overwhelm you. Typically, the buyer really wants the property. Work with them and a solution can usually be found.
About the Author
Raynor James is with FSBOAmerica.org - sell and view homes for sale by owner online. Sellers list your home for free the first month.
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