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Buyer Resources The Biweekly Mortgage- Who Needs It? The Biweekly Mortgage – Who Needs It? Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Have you received an advertisement offering to save you thousands of dollars on your thirty-year mortgage and cut years off your payments? With email spam becoming more pervasive as everyone tries to get rich quick on the Internet, these ads […]
Buyer Resources The No- Cost Thirty Year Fixed Rate Mortgage The No-Cost Thirty Year Fixed Rate Mortgage Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees, […]
Homeowner Information Underground Heating Oil Tanks Underground Heating Oil Tanks Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Underground heating oil tanks can pose many potential problems to both home buyers and sellers. They have been the source of many environmental problems such as contamination of surrounding soil and ground water. Leaks are generally caused by the rust inside underground tanks […]
Buyer Resources Common Ways of Holding Title Common Ways of Holding Title Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer How Should I Take Ownership of the Property I am Buying? Real property can be incredibly valuable and the question of how parties can take ownership of their property is important. The form of ownership taken — the vesting of title — […]
Homeowner Information Living Trusts Living Trusts Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Estate planners often recommend Living Trusts as a viable option when contemplating the manner in which to hold title to real property. When a property is held in a Living Trust, title companies have particular requirements to facilitate the transaction. While not comprehensive, answers to […]
Homeowner Information Mechanic’s Liens Mechanic’s Liens Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer The Mechanics’ Lien law provides special protection to contractors, subcontractors, laborers and suppliers who furnish labor or materials to repair, remodel or build your home. If any of these people are not paid for the services or materials they have provided, your home may be […]
Buyer Resources Mello- Roos Mello-Roos Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer In purchasing your new home, your future monthly payments will be made up of principal, interest, real property taxes, and insurance. But what is the tax for the Community Facilities District, otherwise known as a Mello-Roos District? The Land Title Association (LTA) has answered some of […]
Buyer Resources Creative Financing Creative Financing Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Creative financing: You’ve heard of it, and, as a seller, the idea sounds pretty attractive. But, do you know everything you need to know about carrying back a second; essentially, about becoming a lender? You better know the same things that financial institutions know – […]
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Buyer Resources Required Reporting to the I.R.S Required Reporting to the I.R.S. Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Sellers of real property will have certain information regarding the sale reported to the Internal Revenue Service. This required reporting is a consequence of the Tax Reform Act of 1986; it is intended to encourage taxpayer compliance and aid in audit and […]
Title and Escrow Information The Functions of an Escrow The Functions of an Escrow Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Buying or selling a home (or other piece of real property) usually involves the transfer of large sums of money. It is imperative that the transfer of these funds and related documents from one party to another be handled in a neutral, […]
Title and Escrow Information Title Insurance When Refinancing Your Loan Title Insurance When Refinancing Your Loan Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Lower interest rates have motivated you to refinance your home loan. The lower rate may save you a tremendous amount of money over the life of the loan, but you should also expect to pay the lender the typical closing costs […]
Title and Escrow Information Understanding Preliminary Reports Understanding Preliminary Reports Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer After months of searching, you’ve finally found it — your perfect dream home. But is it perfect? Will you be purchasing more than just a beautiful home? Will you also be acquiring liens placed on the property by prior owners? Have documents been recorded […]
Title and Escrow Information Understanding Title Insurance Understanding Title Insurance Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer What is title insurance? Newspapers refer to it in the weekly real estate sections and you hear about it in conversations with real estate brokers. If you’ve purchased a home you may be familiar with the benefits of title insurance. However, if this is […]
Buyer Resources Your Savings and Down Payment Your Savings and Down Payment Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this […]
Homeowner Information Understanding Foreclosures Understanding Foreclosures Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer It is an unfortunate commentary, but when economic activity declines and housing activity decreases, more real property enters the foreclosure process. High interest rates and creative financing arrangements are also contributing factors. When prices are rapidly accelerating during a real estate “bonanza”, […]
Seller Resources Considering Offers Considering Offers Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer When reading an offer, keep in mind that you are out to get the best price AND the best terms for you. If you focus solely on the price, you may overlook terms that could be favorable to you as a buyer. Some terms that […]
Seller Resources Finding the right agent Finding the Right Agent Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer Not all agents work the same way. The most important attribute of an agent is that he/she is well connected to the real estate industry. He/she should know the market and provide information on past sales, current listings, his or her marketing plan, […]
Seller Resources For sale by owner- a good idea? For Sale By Owner – A Good Idea? Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer FSBO (pronounced fizz-bo), or For Sale By Owner, is a way of selling your home without the use of a professional real estate agent or broker. The idea behind FSBO is that by selling your home yourself, you save […]
Seller Resources Getting the highest price in the shortest time Getting the Highest Price in the Shortest Time Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer In order to get the highest price in the shortest time, you need to know how to market your home. The better you market your home, the more offers you will get. And the more offers you get, the […]
Seller Resources Insist on a home inspection Insist on a Home Inspection Posted on November 20, 2017 – 12:33 PM by Bob Pfeiffer A professional home inspection protects both you and the buyer. It allows both you and the buyer the opportunity to learn about the property’s defects. A home inspection usually covers the following: Plumbing conditions – if there is leakage or clogging Roofing […]
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