Personally, I believe that there is only one complete reason why you should go into foreclosure and suffer the consequences. If you let your home go into foreclosure it's because you have exhausted every option to work things out and there is nothing else you can do. When I say this, I mean you have gained knowledge about foreclosure and have done your research so you can save your home.
I have watched home owners go into foreclosure because they didn't believe the lender was going to take action to get back the home. I would literally offer them options to avoid foreclosure and they will not budge until it was too late.
But before you consider giving up and losing everything you worked for, you need to ask yourself a few basic questions:
You have to think long and hard about going in foreclosure and you should consider a few questions:
-Are you ready to LOSE any equity you may have in your home and walk away with nothing?
- Are you prepared for the HUGE drop in your credit score?
-Do you plan to buy another home or apply for any type of loan in the near future?
- Are you ready to give up and lose your home?
If you have answered no to any of these questions then you need to FIGHT FOR YOUR HOME and skip the whole foreclosure idea. Foreclosure can damage your personal profile for quite some time and it will take quite some time before you can get move on from it.
Even if you're not in foreclosure now or if you're close to it, you need to know how to STOP FORECLOSURE before it's too late. Click here now to find out everything you need to know about how to save your home from foreclosure now.
Showing posts with label my house. Show all posts
Showing posts with label my house. Show all posts
Friday, August 6, 2010
How Quick Can I Sell My House
If I had a dollar for everytime I was asked this question I would be sitting pretty in my ]=mansion right now. But let me tell you something a little funny about this question that I'm asked time and time again by sellers.
When I go on listing appointments to meet a home owner that wants to sell they usually ask, "How long do you think it's going to take to sell the house?" Now granted, they ask me this question after they tell me....but no open houses, I can't give you keys, no sign, and I want my price higher than anyone else in the neighborhood.Now if a seller gives me very little to work with then what should they expect in return? They should expect to sit back and relax because it's going to be a long and bumpy ride. I'm going to become a family member because you're going to see me for a long long time.
The fact is, it's up to the seller to give the real estate agent free reign to exhaust every marketing tool and access to the property to get the job done. Even if you plan to sell on your own their are many ways you can KILL YOUR OWN DEAL!
But it just doesn't stop at marketing and access, it also involves the main part of the transaction and that's when a buyer is found, negotiations, getting into contract, other parties get involved and getting to that closing table.
Any home can be sold quickly, if it's in a desirable location, priced right, condition goes with the price and there is access to get buyers in and every marketing tool necesary is used. Then once you've done everything to find the buyer, then you just need to cross your fingers, toes and eyes and pray that everything with the buyer and the home goes well to get you to that closing table.
Sunday, July 25, 2010
How Do I Sell My Home Quickly
If you need to sell quickly in this market then you have to understand the type of market you're in. Today is considered a buyer's market. I know you don't like to hear it, but buyers have the upper hand when it come to the value of your home. If you want to sell quickly you need to consider price, location, and the condition of your home.
HOW YOU CAN GET TOP DOLLAR IN TODAY'S MARKET
Since prices have gone down, as a seller that wants top dollar for your area you should do everything possible so the buyer doesn't give you low ball offers. Here are a few tips for getting top dollar for your home in today's market:
1. Curb Appeal: Today with so many homes on the market if your home does not catch the eye of the buyer when they are driving or walking down the street, they will keep on going. So get out there and freshen up the paint on the porch and the door, cracks, mow the grass, trim the trees or bushes, plant flowers, power wash the porch and steps, sweep and put away the garbage.
2. Backyard: The backyard is the outside heart of the home where the buyer can entertain, relax and do gardening. With that in mind trim the trees, cut the weeds, put out some lawn furniture, put away large items so it makes the buyer feel they can see themselves enjoying time out there.
3. Clutter: When you have a home sometimes you tend to accumulate to many things. Since you're going to be moving anyway you should start packing up items that are cluttering the home. Start putting up all your personal photos, figurines, take down some artwork if your walls are to crowded.
Story: I had a seller that owned a co-op and she had the largest Barbie doll collection that took up the entire master bedroom. I'm telling you that there were dolls on shelves along the walls, sitting in chairs, on the bed and on the floor. When people came in they either though my seller was out of her mind or they were intrigued by the dolls. Sometimes to many personal items can interrupt the buyers focus on your home.
4. Cleanliness Can Sell Your Home: Even if your home isn't updated or as modern, a buyer can see potential in your home if it is SPOTLESS! I'm not talking about straightening up and throwing things under the bed or stuff it in the closet. I mean get out the cleaning products, your brush and put on your gloves and start scrubbing and dusting.
Make sure the windows are clean, rugs are spotless, wood floors sparkle and shine, kitchen is so clean you can eat off the floor (don't forget the stove, fridge and inside the oven), and the bathroom has to be super clean because many buyers have phobias about using other peoples bathrooms and it can be a deal breaker.
Also, if you smoke STOP because people that do not smoke cannot take the strong odor it leaves in the home. Plus if you have any pets please put them in the backyard, take up the doggie bed and toys and try to get rid of the animal smell. So roll up your sleeves and get cleaning!
Story: I went to show another agent's listing. When I walked in with my buyer there was the most horrible dog smell we could hardly focus on the house. The home was beautiful, but you couldn't bypass the smell that took over every room in the home. When we went to the basement and looked out the window we saw three large white dogs staring back at us. Let me just say, the buyer was so pissed off that the seller didn't care enough to clean the home thoroughly and get out the scent that she didn't even care how beautiful the home was.
5. Repairs - Ask family or friends to walk through each room of your home like they are potential buyers and see if they can point out imperfections that need repairing. With that in mind repair any cracks, leaks, windows should open and close, lights working, switch and electrical covers installed properly, etc.
6. Fresh Paint Job: A PAINT JOB IS A MUST IF NEEDED! One thing owners skimp on is the paint job and it drives me and buyers crazy. Buyers really hate to think about painting a home before they move in because they have so many other things to think about. If your home hasn't been painted in the last 2 years or more then it's time to do it again. Get rid of any dark or really bright colors. Go for the white, off white, cream tones, and pale yellows. These colors will make your home look more modern and fresh. The neutral colors will also make the home more versatile where it can go with the buyers decor no matter what type of color furniture they may have.
7. Staging Your Home: There are many real estate shows on
that gives you great tips for staging your home which will put you above the rest of your competition in the area.
http://www.hgtv.com/topics/home-staging/index.html
8. CRITICAL STEP- PRICE: In today's market no matter how many bells and whistles you have in your home, buyers want fair market value or below. Don't make the mistake of going overboard on renovations or over personalizing the home because you never know what style or upgrades the buyers want. With that in mind, keep renovations simple, but make sure the work is done well and with quality materials that won't bust your budget. You or your agent should know all the homes in your neighborhood that are similar to yours that are currently selling, in contract and have already sold, so your home can be priced correctly when it first goes on the market.
If you price your home to high in this market your home is guaranteed to sit. In fact, high price homes help to sell homes that are priced right for this market.....you didn't think about that huh? So before you put your price sky high and sitting on an island all alone, price your home correctly for this market. .
9. Hire A Qualified Real Estate Agent: I'm not just sayying you need a real estate agent because I'm one, but this is a hard market for me as a top producer so you definitely need an expert. This is a market where buyers still want the high prices and buyers want a deal. Also, the lenders have cracked down and qualifying for a loan isn't as easy as it used to be. Today there is so much eduction buyers need and they need to be guided through the process by a skilled agent or broker. You should find a qualified real estate agent that is knowledgeable, has produced sales in this type of market and has a gentle agressiveness to close the deal. If your'e looking for an agent to sell your home in Brooklyn, New York feel free to email me or leave me a comment at the end of this blog article.
**Now that you know all the basic steps to preparing your home for sale, find out all the secrets that most home owners don't know about selling your home quickly in today's market. Check out "Home Buying Defense Guide" right now to sell your home fast.
10. Access To The Property - Whether you're selling on your own or using an agent access to the property is key. If a buyer cannot get into the property during different times of the day then the buyer will likely go to see another house in your area and like it enough to buy it. So your time or your agent's time must be flexible during the week and on weekends. So increase the traffic by giving access for daily appointments and open houses.
11. Getting The Word Out - With so many properties on the market today you or your agent need to be agressive when marketing your property. If you are hiring an agent, the agent needs to have some marketing savvy in order to know how to get your home the attention it will need to stand out amongst your competition.
There should be many photos (beautifully done photos), there are marny websites, networks and other media channels that can be used to sell a property quickly. Make sure your agent can tell you where your home will be advertised and to provide a copy of each advertisement so you can be sure it has been done and done well.
**If you want to know even more secrets to selling your home quickly, I highly recommend you check out "How To Sell A Home In 21 Days" This is a great ebook whether you plan to use an agent or not. Click here to check it out!
I hope you enjoyed this article feel free to share it with your friends and family that may be thinking of selling. If you need any real estate assistance I will be glad to give you a FREE consulation. Keep reading my blogs and have a great day!
HOW YOU CAN GET TOP DOLLAR IN TODAY'S MARKET
Since prices have gone down, as a seller that wants top dollar for your area you should do everything possible so the buyer doesn't give you low ball offers. Here are a few tips for getting top dollar for your home in today's market:
1. Curb Appeal: Today with so many homes on the market if your home does not catch the eye of the buyer when they are driving or walking down the street, they will keep on going. So get out there and freshen up the paint on the porch and the door, cracks, mow the grass, trim the trees or bushes, plant flowers, power wash the porch and steps, sweep and put away the garbage.
2. Backyard: The backyard is the outside heart of the home where the buyer can entertain, relax and do gardening. With that in mind trim the trees, cut the weeds, put out some lawn furniture, put away large items so it makes the buyer feel they can see themselves enjoying time out there.
3. Clutter: When you have a home sometimes you tend to accumulate to many things. Since you're going to be moving anyway you should start packing up items that are cluttering the home. Start putting up all your personal photos, figurines, take down some artwork if your walls are to crowded.
Story: I had a seller that owned a co-op and she had the largest Barbie doll collection that took up the entire master bedroom. I'm telling you that there were dolls on shelves along the walls, sitting in chairs, on the bed and on the floor. When people came in they either though my seller was out of her mind or they were intrigued by the dolls. Sometimes to many personal items can interrupt the buyers focus on your home.
4. Cleanliness Can Sell Your Home: Even if your home isn't updated or as modern, a buyer can see potential in your home if it is SPOTLESS! I'm not talking about straightening up and throwing things under the bed or stuff it in the closet. I mean get out the cleaning products, your brush and put on your gloves and start scrubbing and dusting.
Make sure the windows are clean, rugs are spotless, wood floors sparkle and shine, kitchen is so clean you can eat off the floor (don't forget the stove, fridge and inside the oven), and the bathroom has to be super clean because many buyers have phobias about using other peoples bathrooms and it can be a deal breaker.
Also, if you smoke STOP because people that do not smoke cannot take the strong odor it leaves in the home. Plus if you have any pets please put them in the backyard, take up the doggie bed and toys and try to get rid of the animal smell. So roll up your sleeves and get cleaning!
Story: I went to show another agent's listing. When I walked in with my buyer there was the most horrible dog smell we could hardly focus on the house. The home was beautiful, but you couldn't bypass the smell that took over every room in the home. When we went to the basement and looked out the window we saw three large white dogs staring back at us. Let me just say, the buyer was so pissed off that the seller didn't care enough to clean the home thoroughly and get out the scent that she didn't even care how beautiful the home was.
5. Repairs - Ask family or friends to walk through each room of your home like they are potential buyers and see if they can point out imperfections that need repairing. With that in mind repair any cracks, leaks, windows should open and close, lights working, switch and electrical covers installed properly, etc.
6. Fresh Paint Job: A PAINT JOB IS A MUST IF NEEDED! One thing owners skimp on is the paint job and it drives me and buyers crazy. Buyers really hate to think about painting a home before they move in because they have so many other things to think about. If your home hasn't been painted in the last 2 years or more then it's time to do it again. Get rid of any dark or really bright colors. Go for the white, off white, cream tones, and pale yellows. These colors will make your home look more modern and fresh. The neutral colors will also make the home more versatile where it can go with the buyers decor no matter what type of color furniture they may have.
7. Staging Your Home: There are many real estate shows on
that gives you great tips for staging your home which will put you above the rest of your competition in the area.
http://www.hgtv.com/topics/home-staging/index.html
8. CRITICAL STEP- PRICE: In today's market no matter how many bells and whistles you have in your home, buyers want fair market value or below. Don't make the mistake of going overboard on renovations or over personalizing the home because you never know what style or upgrades the buyers want. With that in mind, keep renovations simple, but make sure the work is done well and with quality materials that won't bust your budget. You or your agent should know all the homes in your neighborhood that are similar to yours that are currently selling, in contract and have already sold, so your home can be priced correctly when it first goes on the market.
If you price your home to high in this market your home is guaranteed to sit. In fact, high price homes help to sell homes that are priced right for this market.....you didn't think about that huh? So before you put your price sky high and sitting on an island all alone, price your home correctly for this market. .
9. Hire A Qualified Real Estate Agent: I'm not just sayying you need a real estate agent because I'm one, but this is a hard market for me as a top producer so you definitely need an expert. This is a market where buyers still want the high prices and buyers want a deal. Also, the lenders have cracked down and qualifying for a loan isn't as easy as it used to be. Today there is so much eduction buyers need and they need to be guided through the process by a skilled agent or broker. You should find a qualified real estate agent that is knowledgeable, has produced sales in this type of market and has a gentle agressiveness to close the deal. If your'e looking for an agent to sell your home in Brooklyn, New York feel free to email me or leave me a comment at the end of this blog article.
**Now that you know all the basic steps to preparing your home for sale, find out all the secrets that most home owners don't know about selling your home quickly in today's market. Check out "Home Buying Defense Guide" right now to sell your home fast.
10. Access To The Property - Whether you're selling on your own or using an agent access to the property is key. If a buyer cannot get into the property during different times of the day then the buyer will likely go to see another house in your area and like it enough to buy it. So your time or your agent's time must be flexible during the week and on weekends. So increase the traffic by giving access for daily appointments and open houses.
11. Getting The Word Out - With so many properties on the market today you or your agent need to be agressive when marketing your property. If you are hiring an agent, the agent needs to have some marketing savvy in order to know how to get your home the attention it will need to stand out amongst your competition.
There should be many photos (beautifully done photos), there are marny websites, networks and other media channels that can be used to sell a property quickly. Make sure your agent can tell you where your home will be advertised and to provide a copy of each advertisement so you can be sure it has been done and done well.
**If you want to know even more secrets to selling your home quickly, I highly recommend you check out "How To Sell A Home In 21 Days" This is a great ebook whether you plan to use an agent or not. Click here to check it out!
I hope you enjoyed this article feel free to share it with your friends and family that may be thinking of selling. If you need any real estate assistance I will be glad to give you a FREE consulation. Keep reading my blogs and have a great day!
How Can I Get My Home Back After Foreclosure
You can definitely get your home back after foreclosure and this article will reveal how. Nothing is more devastating than losing your home and it's very popular in today's market. But if you're willing there are some ways you can get your home back.
-Auction - You can appear at the auction and bid on the home. If you're still not financially able then you can ask someone you know that may be willing to do so. Learn about foreclosure, auctions, how they work and strategies to use.
-Rent With Option To Buy - If you are still living in the home, you may be able to rent the home with an option to buy, find out how.
5. Pay Off The Balance - Believe it or not, if your home is in foreclosure you can still contact the bank before it is auctioned and pay all the missed payments on the property. Use this tool to find out how to work with the bank and to protect yourself if you pay your owed balance in full.
Click here to find out what buyers know about foreclosures so you can save your property
How Can I Save My Home From Foreclosure
You'll be glad to know that you still stand a chance of saving your home before and even after foreclosure........I know good news! But before you can implement these methods you need to know what stage of foreclosure your home is in. That's right, you have to go in the plastic bag and finally open up the late notice mailings and eventually call your lender!
So here are some basic ways you can save your home before and after you are in foreclosure:
1. Pay your mortgage on time - This seems like common sense, but things can happen to you in life where you are unable to make payments. But make your mortgage your first priority.
2. Prevent Getting To Far Behind - If you miss one payment or so make sure you get up to date with your payments as soon as possible. The more you owe the harder it is to catch up later on.
3. Payment Plan - Banks are more than willing to work out a payment plan with you for the amount owed. But there are methods to getting the bank to work with you. Find out how to approach your lender and all the options your have that you never knew about.
4. Loan Modification - The most popular way of getting back on track is doing a loan modification with your bank to lower your monthly payments.
I found a great Loan Modification Video called, "60 Minute Loan Modification," that shows you all the inside secrets banks don't want you to know.
5. Sell Your Home - Before you foreclose you may want to think about selling your home first. If you have equity in your home then this is going to be a great option for you.
6. Short Sale - If you owe more to your lender than you can sell the home for in the current market then a short sale is also a great option.
6. Pay Off The Balance - Believe it or not, if your home is in foreclosure you can still contact the bank before it is auctioned and pay all the missed payments on the property. Use this tool to find out how to work with the bank and to protect yourself if you pay your owed balance in full.
7. Auction Time - If the lender plans to auction off your property, you can legally go to the auction to bid on the property yourself.
8. Find An Experienced Attorney An Attorney - Their are many legal issues that can arise and you will need a highly qualified lawyer to represent you and protect your intests. Click Here For A Skilled Real Estate Lawyer In Your State FREE.
These are just a few basic ways to save your home from foreclosure, but there are some major ways you need to know about that can save your home.
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So here are some basic ways you can save your home before and after you are in foreclosure:
1. Pay your mortgage on time - This seems like common sense, but things can happen to you in life where you are unable to make payments. But make your mortgage your first priority.
2. Prevent Getting To Far Behind - If you miss one payment or so make sure you get up to date with your payments as soon as possible. The more you owe the harder it is to catch up later on.
3. Payment Plan - Banks are more than willing to work out a payment plan with you for the amount owed. But there are methods to getting the bank to work with you. Find out how to approach your lender and all the options your have that you never knew about.
4. Loan Modification - The most popular way of getting back on track is doing a loan modification with your bank to lower your monthly payments.
I found a great Loan Modification Video called, "60 Minute Loan Modification," that shows you all the inside secrets banks don't want you to know.
5. Sell Your Home - Before you foreclose you may want to think about selling your home first. If you have equity in your home then this is going to be a great option for you.
6. Short Sale - If you owe more to your lender than you can sell the home for in the current market then a short sale is also a great option.
6. Pay Off The Balance - Believe it or not, if your home is in foreclosure you can still contact the bank before it is auctioned and pay all the missed payments on the property. Use this tool to find out how to work with the bank and to protect yourself if you pay your owed balance in full.
7. Auction Time - If the lender plans to auction off your property, you can legally go to the auction to bid on the property yourself.
8. Find An Experienced Attorney An Attorney - Their are many legal issues that can arise and you will need a highly qualified lawyer to represent you and protect your intests. Click Here For A Skilled Real Estate Lawyer In Your State FREE.
These are just a few basic ways to save your home from foreclosure, but there are some major ways you need to know about that can save your home.
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