How to buy via an Estate Agent
Many people complain bitterly about estate agents. Some of the complaints are valid, some really aren’t fair. If you want to successfully buy through an estate agent it’s essential that you understand what information you give them, how to ensure they want to sell a property to YOU and that you know when an agent is telling the truth – and when they might be telling some porky pies!
Is the Property you want Available at a Price you can Afford?
When we start looking for a home, we often have our ‘ideal’ property in mind. It might be a classic country cottage in the country or a penthouse apartment in the city. And we tend to give this ‘specific’ description to estate agents, expecting them just to hand over the property we have been dreaming of at the exact price we want to pay.
If the agent doesn’t give it to us, then we tend to think they are ‘holding it back’ for someone else, or that they are doing their job. However, it’s really not the agent’s fault if no-one is selling the property you want at the time you are buying, nor is it their fault if it’s out of your price range. That I’m afraid is down to the market and sellers!
Lesson One: How to Work with Estate Agents
Be realistic and fair! Don’t ask agents for properties at prices that don’t exist! Do your research first, even if that’s asking them the following questions:-
1. This is what we’d like
2. This is where we would like to buy
3. Here is our budget
4. Can we afford what we are looking for?
5. If not, can we afford the home we want somewhere else, or what could we afford in the area we are looking in?
What information to give to agents
When we give information to agents, we often complain that they don’t ‘listen’ as they send us to view properties that are not suitable. For example, we asked for a three bedroomed home, but they showed us a home which had two doubles and one single when we wanted all doubles. If you don’t tell them exactly what you need – how do they know? So make sure you give a brief that explains the minimum property requirements you need, eg you’d like a garage, but it’s not essential versus you need three double bedrooms and a garden is essential as you have a dog.
Lesson Two: Give the agent a decent property brief
You’ve seen it on Channel 4’s Location, Location, Location, the buyer gives Phil and Kirstie a list of 35 things that they want in a home. Would you feel motivated to find it (especially if you earned your money from the seller)? However if someone gave you a list of ‘this is the minimum’ we need ie our must haves and our nice to haves. This is especially the case if you’ve also researched what properties are for sale at what price and know that you have the budget required.
Do Agents ‘hold back properties’?
Most of the time they don’t do this as it’s not in the interest of the seller as it can restrict the price they receive and therefore their own commission. However, there are, as in any industry, some unscrupulous agents that will risk doing this.
The best way to avoid this happening to you is to ensure that you keep weekly contact (not harass) the agent, just ask ‘have you anything that’s coming up’ etc. If they don’t show you a property you would have been interested in, it’s worth then taking it up with the agent and indeed approaching the owner of the property.
All agents’ now have to belong to an Estate Agent Redress Scheme. If you think that an agent has sold a property to someone that you would have been interested in, then it’s essential to report it to the scheme they belong to. If they don’t, then you need to report them anyway as they are operating illegally!
Lesson Three: Make sure you keep your eye on the market
If it’s possible, keep an eye on internet sites, local newspapers and even drive up and down roads you are keen on, or put leaflets through doors of properties you are interested in. Don’t 100% rely on agents to always think of you when they have a property available, they make mistakes like everyone else.
Why do agents accept Offers when you’ve made one already?
It’s odd that, because the seller accepts a higher offer than the one you made, the agent is often the one to blame. However, it’s the seller who is the one to have a go at – the agent has a legal duty to the seller to pass on offers, even if you have made one and it’s been accepted.
Lesson Four: Understand how to ensure your offer is the last one made!
You can make your offer ‘subject to the property being taken off the market’ so that no-one else is shown around. It won’t stop previous viewers making an offer. Also keep in touch with the seller directly at this stage so that if the agent does accidentally (or on purpose) introduce another offer, hopefully the buyer will call you.
Make sure agents WANT to sell a property to YOU!
It might seem a daft statement, but think about how you work. If you had two neighbours both who wanted to buy your property, which one would you tell first the property was available? The nice one who is always willing to help out and a pleasure to have as a neighbour or the other one that is often argumentative, fussy and not too nice to deal with. Despite media reports, agents are definitely human (!) and it’s essential to get on with them.
1. Be realistic about what you want, don’t make demands that are impossible to fulfil.
2. Always feed back to agents post a viewing. What you liked, what you didn’t like.
3. Thank them for organising viewings for you.
4. If the seller cancels a viewing – don’t have a go at the agent, it’s not their fault!
5. Always turn up on time for viewings and only cancel if essential – give them a good reason as the agent is the one that has to ‘let down’ the excited seller that was looking forward to your visit.
Lesson Five: Be honest with your agent!
Many people don’t tell agents the truth about what they want; change their mind half way through the process; take a property from another agent or pull out of a deal at the last minute. All this ‘buyer’ activity frustrates agents as they don’t get paid a penny by the buyer, nor anything from the seller if they don’t actually sell the property.
The more open and honest you are with an agent and the easier you are to work with (ie form a relationship with) the more likely they are to think of you first and want to sell a property to you versus other people that have messed them around.
Not all agents will reciprocate, but most will and they will be the best ones that are most likely to find you the property you want. And don’t forget, if you find an agent doing something dodgy, report them to the Estate Agent Redress Scheme they belong to.
Kate is one of the top property experts in the UK and regularly quoted in the press including the Telegraph, Independent, Times, Daily Mail and Express, and has appeared on BBC2, as well as featured on BBC Radio 4 and a number of local BBC Radio stations. Kate has also been a consultant to the property sector for a number of years and is the author of a number of books, including four for Which? – Buy, Sell, Move House, Renting and Letting, Develop your Property and the Property Investment Handbook. Contact Kate Faulkner at http://www.designsonproperty.co.uk/ Article Source:http://www.articlesbase.com/real-estate-articles/how-to-buy-via-an-estate-agent-1520931.html
Things You Should Know That Can Make A Property Not Worth Investing In
When buying a property to repair and sell there are some things you should know. Some of these things can make a property not worth investing in. One thing you should know that can make a property not worth investing in is if the property is in an area that has a lot of natural disasters. To avoid buying a property in an area that has a lot of natural disasters you should do some research about the area before you invest. You can research online to see what natural disasters happened in an area before investing.
Another thing you should know that can make a property not worth investing in is if the property is infested with termites. If a termite infestation is bad enough it can take a lot of money to repair the property. Sometimes it can be more than the property is worth. It is recommended that you get a professional exterminator to look at the property before investing in it. The exterminator will let you know if there is a termite infestation and how bad the infestation is.
One last thing you should know that can make a property not worth investing in is the state of the foundation. If the foundation of the property is cracked or sinking this can mean a big problem. When a property foundation is cracked or sinking it could mean that this property is unstable and over time if left uncheck the property can collapse. It is also recommended that you get a professional to inspect the foundation of the property. Investing in real estate to repair and sell can be profitable if done right and you know what things to avoid. Read more
Before Buying Miami Condos – Some Mortgage ABC’s
Before you look for Miami condos, you must first know the basics. You are about to travel a road most traveled but least completed. The real estate journey is a perilous one; full of challenges to test your patience and determination. And if you’re a first-time buyer, make sure you know one of the most and probably the single-most important part of owning a home, the mortgage.
Mortgage
Mortgage is what you need to purchase Miami condos. If you can afford to pay full, you can do so; but that method is least advisable. Even if you can, doesn’t mean you have to. Remember that you can spend that money for a lot of other useful purposes and probably save you some sanity in case of future emergencies.
Moving on; your mortgage is basically the loan you need to purchase Miami condos and real estate properties in general. The amount depends on several factors, including your credit history, score, DTI (Debt-to-Income Ratio), down payment, etc. The two basic parts of the mortgage is the principle and interest. The principle is the amount of the mortgage; while the interest is the money you pay the lender, well, because they lent you the money.
Lender and Broker
When buying properties, you can either go directly to the lender and transact or hire a mediator or a mortgage broker. The mortgage broker is a helpful addition to any real estate team. The broker will act as the liaison between you and the lender that will officially provide the mortgage. Your broker can also help you calculate the entire home-buying expenses, as well as guide you through the financial motions of real estate.
Title or Deed
Once you get the mortgage and owned the property, you have to hire a title company. This company will furnish your title or deed, which will serve as the proof of ownership. What you must know is that as long the mortgage exists, you don’t necessarily own the property because the lender has placed a lien against the title. In case you default, the lender can repossess the property and sell it in order to recover their losses. So basically, the title is just paper unless you pay off the loan. But that doesn’t mean you have to discard it – keep the title securely along your important files.
Amortization
Lastly, in Miami condos ownership, homeownership and other kinds of real estate ownership, there is amortization. This is simply the repayment of the loan – something you should be ready to be responsible for every month.
Mark Michael Ferrer
Miami Condos
Article Source:http://www.articlesbase.com/real-estate-articles/before-buying-miami-condos-some-mortgage-abcs-1513919.html
Red Sea Property Has Something For Everyone
Egypt real estate, particularly on the Red Sea Riviera, is famed for being among the least expensive in the world. Note the use of least expensive; in marketing circles it is frowned upon to use the word cheap, but that is not why I have avoided it here. I have avoided it here because Red Sea property is not cheap; it is a bargain because of what you get for your money.
Egypt is one of the fastest growing tourism hot-spots in the world. In an interview with Write About Property earlier this year, the Association for British Travel Agents said that tourism to Egypt from Britain had been growing at around 20% per year for the last few years, and forecast that this would accelerate to 25% this year, as the strong Euro forces people to look outside the Eurozone for cheap holidays.
The Red Sea Riviera encapsulates some of Egypt’s fastest growing tourism hot-spots, most notably Sharm el-Sheikh and Hurghada. In both of those locations you can find the best investments and holiday homes that Red Sea property, and arguably Egypt real estate as a whole has to offer.
The average price for a 2 bedroom luxury apartment on the Red Sea Riviera is under £40,000. The average rent on one of those properties would be about £300 per week. Owners of Red Sea property are currently achieving 15-20 weeks occupancy per year. Doing the calculations from those figures the average rental yield on property on the Red Sea Riviera is 12.5% gross.
It is little wonder then that most Red Sea properties for sale right now are offering very impressive guaranteed rental yields of 8% and upwards.
But Red Sea property comes with another massive benefit.
“Most of the Red Sea Riviera is a National Park, or belongs to some protectorate, both under water and on land. Desert and marine life are protected by a number of laws, and visitors not abiding to the regulations may be subjected to heavy fines.” Source Wikipedia.
Therefore, anyone buying Red Sea property can do so safe in the knowledge that the area will never be over-developed. This also means that demand will continually outstrip supply, which will put massive upward pressure on Red Sea property prices long into the future.
Most people buying Egypt real estate — like most places — at the moment, are doing so on a fly-to-let basis, because the crunch showed everyone that capital values can go down as easily as they can go up. None the less, the potential for capital growth will always be a factor in the decision making process. So adding the protected area reinforcement of the potential for capital growth, to the impressive rental yields mentioned above, Red Sea property offers a pretty powerful investment package.
That is before we even mention the things that the tourists come for: the fantastic climate, great beaches and world renowned marine life that attracts scuba divers from all around the world, which make Red Sea property perfect for lifestyle buyers also. All in all you could say property on the Red Sea Riviera has something for everyone.
Mark Burns works for Offplanworld.tv, a UK based real estate consultancy specialising in off-plan property and who offer a wide portfolio of Red Sea Property. Article Source:http://www.articlesbase.com/real-estate-articles/red-sea-property-has-something-for-everyone-1502470.html
You Bought it, Now What? – The 6 Most Common Mistakes Made When Choosing a Property Manager
Buying a piece of income property, whether it is for residential or commercial use is a great investment. What better of a way to gain a valuable source of residual income than investing in income producing real estate? No matter what type of property you purchase, if you intend for it to be used for real estate purposes or for commercial purposes somebody has got to manage things, both in regards to establishing contact with tenants and serving as a midpoint between the tenants and the owner.
In addition, somebody has got to be there to manage the property from a financial perspective, collecting and following up on invoices and paying bills, among other things. Who should the check be made out to, and who should the tenant contact if they should have an issue to discuss? Just because you purchased the property does not make you a counselor or consultant, and it definitely does not imply that you have any customer service skills.
This is what a property manager for. They can cover just about all of these things and more, but just like the saying goes ‘nothing in life is free.’ Property managers do charge for their services and you don’t always get what you pay for (or thought you were paying for) in any case. To give you the best tool possible to avoid getting into an issue with a property manager that you are unable to handle, here are some of the most common mistakes that people in your position make, spelled out in plain English so that you know to avoid them.
• Over Paying
Paying too much is the top mistake that first time property manager hirers are guilty of making. Property managers do a lot for your company, and it is important to pay them but nobody said you had to make them rich. Ten percent of the monthly rent paid is a great place to start as far as recurring payments, as well as a set percentage of the first month’s rent of a new lease or a small percentage of the amount of the total leasing amount over the entire span of their time is also okay.
• Hiring a Bozo
Okay, of course nobody is going to necessarily hire Bozo the clown, but if you are going to spend the money to hire a property manager make sure you hire someone who is qualified and knows what they are doing. Of course not every property manager is going to be degreed, but having the right experience in lieu of a degree is an essential qualifier. It may in some cases be okay to give a newbie a chance, but make sure that you are able to spend the time or hire somebody to spend the time to properly train them. Read more
Why I Love the Latest Home Stimulus Package
Since he became US President, Barack Obama has made the issue of housing one of his top priorities. He implemented the new home stimulus package that will help the housing industry with it’s first time home buyers stimulus and home affordable plan. It helps lower income Americans to purchase new homes or to pay for repairs and improvements to their current homes.
Everyone is aware that these are troubled financial times, and that an ever increasing amount of people are losing their jobs and facing mortgage foreclosures, and that is why a home stimulus package such as this is so important. The latest improvements to the affordable home plan packages makes them even more beneficial to US citizens that ever before. One example of these new beneficial changes is one made during the amendment to the home stimulus package last August, which meant even those with an equity of less than 20% percent can now take advantage of the package. The result? Even more Americans now being able to benefit.
Secondly, the interest rate for paying back home loans has been lowered from 6.5 percent to 5.16 percent. This was done so it will be easier for people to pay off their debts. The loan period has likewise been increased to twenty to thirty years in order to give people more time to pay off their debts. Furthermore, payments need now be no more than 31% of your monthly income, which means that you can totally cover the other needs of your family before allocating money towards these debt repayments.
To put these changes into real life perspective, I’ll tell you about a friend of mine; he had wanted to purchase a new home for the past 6 months but was unable to do so, even with the former home stimulus package in place, because he had an equity of only 19%. Also, he was aware that even if he had had the necessary amount of equity, he would have had hard time repaying the loan due to the interest rate being beyond his means. However, with these latest changes to the home stimulus package he has now finally been able to buy the house he has dreamt so long about. For him, these changes really have been a blessing, and he is most thankful to President Barack Obama.
This is only the tip of the iceberg when it comes to the advantages and benefits this home stimulus package can give us. But, the bottom line is this: You too can now afford to buy your new home or do repairs on your current home as a result of this home affordable plan. So long as your income is lower than $95,000 (single) or $170,000 (married), then you have no reason to not at least research a little more into the great opportunity that is the first time home buyer stimulus tax credit. You have a lot to gain by giving further consideration to taking the government up on this offer, and nothing to lose.
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By Mark Walters.Article Source:http://www.articlesbase.com/real-estate-articles/why-i-love-the-latest-home-stimulus-package-1488211.html
What are the Mortgage Options?
If you have not purchased a house before, you are probably unfamiliar with the different types of mortgage. The mortgage options are available to give almost everyone the opportunity to loan the amount they need. It is also important that you know your options so that you can make the right decision. Choosing the right mortgage will definitely affect your payment behavior in the future.
Mortgage is normally categorized into two. One has a fixed interest rate and terms of payment. The other has a flexible rate or terms of payment or both. The flexible type is called the Adjustable Rate Mortgage or the ARM. The borrower chooses his preferred arrangement. He usually bases it on his current financial state.
One advantage of choosing a fixed rate mortgage is that you know exactly how much you will prepare to settle your monthly dues. You do not have to worry of it going up. This means that you will have a fixed monthly budget. That amount will be the same until you finish paying the loan. This mortgage loans usually have 15 or 30 year life.
The Adjustable Rate Mortgage on the other hand is different as the monthly payment can go up or down. This will depend upon the condition of the economy and what has been set in the loan agreement. Although the lender will normally set the terms, it should be in accordance with the short term Treasury bill rates. The ARM is normally offered when the prices of the property are going up and when there are relatively high interest rates.
There are people who would prefer the ARM because at the beginning of the term, the interest rate is low. This is also a good option for those who expect their salaries to significantly increase over the years.
Aside from the two major classifications of mortgage, there are also those that are government insured. These are normally granted to individuals who do not have enough income to avail of the regular loan. Examples of these are the FHA loans and the VA loans. In order for individuals to avail of such loans, they have to qualify first. FHA loans are for those with limited income while VA loans are for those who have served the military in the past.
There is also the balloon mortgage. This is a short term loan. The monthly payment made here is lower than the regular loans. In fact, for most terms, the monthly payment is equivalent to the monthly interest. A balloon payment will be made at the end of the term. Those who do not have plans of staying in the property for a long time usually choose this. They sell the house by the end of the mortgage and use the proceeds to make the balloon payment.
There is also the SAM or the Shared Appreciation Mortgage. This happens when a borrower transacts with a third party to pay for a portion of the down payment. Here, the third party will have right to the property purchased. However, the borrower can buy out his right in the future.
Finally, there is the conventional mortgage. Here, a down payment of 20% of the borrowed amount will be required. If the borrower cannot make the payment, the lender will require private mortgage insurance.
Consider Goodyear AZ Retirement Real Estate for your next home. Check out Prescott, AZ Homes with Swimming Pools as well. You may also visit Moon Valley High-End Homes for Sale in Phoenix AZ. Article Source:http://www.articlesbase.com/real-estate-articles/what-are-the-mortgage-options-1478910.html
How to Buy Property at the Right Price
Many people dream of buying their dream property. When people are looking to buy a nice piece of property, it can often be confusing figuring out if they are getting a good price. Everyone wants to get a good deal on property, especially during these difficult economic times; however, there are many things to be aware of before signing a purchase agreement.
The following is a list of tips on how to buy property at the right price:
Research Property: Because of the development of the internet, it is now easy to research many properties in many locations. It is easy to compare properties to look for differences in prices. As well, you will find such details as pictures of the property, size of the property, and any unique features. Many real estate sites feature a variety of properties in the area that you are researching. As well, most of these real estate sites provide the prices of similar properties in the area that are for sale.
Property Sales Market Fluctuations: It is important to be aware that the real estate market goes through market fluctuations. You should check to make sure that the area you are interested in is not going through a period of high property sale prices. The price being offered may be the result of current economic conditions.
Negotiation: It is important not to accept the first price offered. In most cases, the seller is expecting to have to negotiate a sales price. Negotiation is a key tool to ensuring that your purchase becomes a wise investment. You should also be aware that sometimes sellers will raise their price a bit because they expect to have to lower it during the negotiation.
Reject Pressure to Purchase: If you feel you are being pressured to buy and you think the price is too high, it is important to walk away from the deal. You want a dream property, but you do not want to pay more than the property is worth.
Inspect Property: Never purchase property that you have not looked at. You want to make sure there are not any problems with the property such as poor drainage. You also want to be able to consider the potential of the property.
Real Estate Agent: It is always wise to enlist the services of a real estate agent. They are a valuable source of information such as the property values in the area and their asking price. They can also negotiate a fair price and locate property with features that you want.
Appraiser: If you are unsure about the asking price of a particular piece of property, you can always enlist the services of an appraiser. An appraiser will be able to assess the value of the property.
It is important to remember that property prices vary according to the area. As well, as the demand for properties change, the prices will also change. Make sure you have the right knowledge about asking prices and transacted prices from as far back as a year.
Because properties are constantly coming onto the market, it is not a serious mistake if you lose out on a particular property. It is better to lose out on a piece of property rather than make a bad investment. By doing your research and acquiring the right information, you will purchase the right property at the right price.
Deciding when to buy property in Panama can be a difficult decision. The economy could greatly affect whether you buy house in Panama or not. In order to buy Panama homes for sale at the right time, one must learn to understand how the economy functions.Article Source:http://www.articlesbase.com/real-estate-articles/how-to-buy-property-at-the-right-price-1465073.html
Buying Homes Pre-Construction
Many people hear about buying homes in the pre-construction phase of development and having the home value skyrocket in the first few years. The stories usually involve someone “getting in” during the early phases of development when the builders offer good incentives and competitive pricing. These homes can be great investments, but deals like these are harder to find now than they were even five years ago. So, talk to your real estate agent about pre-construction homes (and investing in the Charleston area in general) if this is something you are interested in.
A lot of our clients have opted to buy homes pre-construction because they need time to sell their current home. Building a new home in Charleston usually takes anywhere from four to nine months. We have found that new construction is the best way for people to go ahead and buy a home (reserving a price in the market) but also postpone their closing date (giving them time to sell their house). Along the same lines, most builders only require you to put down a small amount (anywhere from $1,000-15,000 depending on price of house) upfront. After you make this payment, you don’t usually pay any more until the house is built and you close on it. So, if you are still making mortgage payments on your current home, you don’t have to worry about making double mortgage payments until the time that your house sells. Also, if you are an investor, it would be beneficial for you to try to not close for a while so that you can capture the appreciation of the home.
Another benefit of buying homes pre-construction is that you know your home will be low maintenance. Builders are required by law to give specific minimum warranties to ensure that you don’t face any major problems during the first few years of living in your new home. One of the warranties is a minimum of 1-year “bumper to bumper” warranty which ensures that everything in the home is covered by the builder. There is also a 2-year warranty that covers all systems (electrical, plumbing, heating and air conditioning, etc.) in the home. Another warranty is the 10-year structural warranty which covers foundation and other structural problems. Read more
Step out of the home office to enjoy Executive Suites at Newport Beach
Every small business which was started at the comfort zone of home has to someday move out of the home. That is when you understand the need and importance of executive suites.
Executive Suites at Newport Beach understands your need for business flexibility as your business grows. The full service office environment at executive suites in Newport Beach offers you all the tools that your business needs to grow and become successful. We take care of your office space, so that you can focus your time on growing and managing your business. Executive Suites at Newport Beach has the goal to take care of all your details so that you concentrate on your business.
For example, your business really takes off within a few months after you took your office space and within few months you have outgrown your office. If you are locked into a long-term lease, it might prove expensive to break that lease. However, if you rent a shared office space or executive suites at Newport Beach, you can move quickly. Moreover you can also find your new and larger office space within the same executive office at Newport Beach, so you don’t need to change your address or telephone number. Executive suites at Newport Beach also provide you with ready to work office space. No need to invest on expensive office machines. Established and successful look right from the first day of office is big benefit of hiring executive suites at Newport Beach.
All the benefits provided by executive suites save you a lot of capital especially when your budget is thing. That is why it is really important for a new business set up to know about the concept of executive suites or shared office space to set up your first office at Newport Beach
The benefits and savings don’t stop with just the furniture when renting executive suites. You will also have access to whole facilities of office equipment, such as copiers and fax machines. Above all explained in above lines also a trained receptionist to greet your visitors and perspective clients, this person isn’t going to be on your payroll. A broadband wireless Internet connection is also available in the rented executive suites in Newport Beach, allow you to do business on the Internet minutes after walking into your new office.
After Completing MBA in marketing three years ago, Mike decided to get into the field of Real Estate. His expertise and knowledge in the field of property management have made him a trusted and reliable name among people as far as seeking expert opinion before buying any type of property like Article Source:http://www.articlesbase.com/real-estate-articles/step-out-of-the-home-office-to-enjoy-executive-suites-at-newport-beach-1458378.html
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