Have you fallen behind on your mortgage payments, and don’t know what to do? Watch this brief video, and find out what a Short Sale is, and why it may be the solution you have been searching for.
Then contact me at [480.776.5231/carolroyseteam@aol.com] for a FREE consultation to find out if a Short Sale is right for you.
Posted in First Time Buyers, Short Sales
Successful people are decisive people. When opportunities come their way, they evaluate them carefully, make a decision, and take appropriate action. They know that indecision wastes time that could be spent on more productive tasks. They also avoid unnecessary risks by implementing their decisions gradually. They don’t attempt to make every decision at the beginning. Each action is contingent upon the success of the one that preceded it. Benjamin Franklin, one of America’s wisest men, is said to have used a simple method to make difficult decisions. He drew a line down the center of a sheet of paper, and on one side he listed the “pros” of the decision; on the other, he listed the “cons.” In addition to simplifying the decision-making process, the list also served as a graphic illustration of the advantages and disadvantages of any decision, regardless of its complexity. The impact of the decision could then be quickly and easily assessed.
Posted in First Time Buyers, Short Sales
Tagged For BUYERS, Home Sales, Short Sales
Dear Friend,
Have you taken the time to draft a will? If so, you have already addressed at least some of the most important decisions regarding the distribution of your estate and providing for the needs of your family when you are no longer with them.
This month I have passed along an informative piece that highlights the importance of estate planning. It explains the roles of most common legal documents and what can happen if an estate falls into probate. There’s also a practical checklist to help you get the process started, or to update the one you already have.
A thoughtful plan takes your priorities into account, protects the interests of your heirs and establishes your legacy. If you need guidance in any of these matters, I would be happy to recommend a reputable professional in our area. Of course, I’m also here to help whenever you need to know the present value of your property for estate planning or any other purpose.
Sincerely,
Carol Royse
CEO of the Carol Royse Lifestyle Team
Keller Williams Realty East Valley
Office: 480-776-5231
Are you an “Empty Nester” who needs a home for the future? Is it time to downsize or to move into another home more suitable for your glorious retirement years?
Like thousands of others, you may be discovering that after years of non-stop child traffic in and out of your doors, toys on the floor, music floating throughout, suddenly all you can hear is the quiet hum of the refrigerator. Your rooms are filled with pictures and memories of this wonderful time of your life, but there are many empty rooms gathering dust now that your children have moved on. The freer years ahead are exciting ones to look forward to, and it’s time for you to move on as well.
If you find yourself in this situation, you’re in vast and good company. And what that means is that there are many wonderful opportunities for you to create this new chapter in your life . . . if you know what it takes to get the most out of the equity you’ve built up in your current home.
To help you understand the issues involved in making such a move, and how to avoid the 7 most common and costly mistakes most Empty Nesters make, a new report called “Empty Nester: How to Sell the Place You Call Home” has been prepared which identifies these issues, and shows you how to steer clear of the mistakes that could cost you literally thousands of dollars.
Order this report NOW to find out how you can fly your empty nest with the most cash in your pocket.
To get your FREE copy today visit http://carolroyselifestyleteam.com/coaching_emptynest.asp or call 480.776.5231.
Home prices are low, interest rates are low – real estate is basically having a summer clearance sale! But unlike buying a clearance-priced car or computer, making the wrong move in this real estate ‘sale’ can have disastrous effects, from losing your dream home due to a bad bid to ending up with a money pit of a property.
Here are a few money-saving, pitfall-avoiding tips and tricks for buyers who want to do some smart home shopping this summer.
1. Have a vision in place, before you start your house hunt. Actually, have several visions in place. Have a financial vision, complete with a clear picture of what your total income and expenses look like, in the “after homebuying” view, including what you pay out for your home and related expenses, like HOA dues and homeowners’ insurance. Have a vision of your life in your new home, including what you want to do, with whom and where you want and need to go – in the work, family and recreation areas of your life.
If you kick off your conversations with your mortgage broker and real estate agent with a clear understanding of the lifestyle you are looking to create, you’ll be much less likely to get derailed. With a clear vision in place and, ideally, on paper, you can clearly communicate your wants, needs, goals and financial boundaries to your professionals, telling them what you can afford, rather than trying to shoehorn your financial plans into one-size-fits-all mortgage guidelines. With a vision, the temptation of an uber-low-priced, but completely inappropriate, home will not lure you into buying the wrong place for your needs. (Nor will an amazing home that is simply out of your personal price range – no matter how great a value it is for the money!)
2. Don’t let affordability get between you and reality. High affordability doesn’t necessarily mean you can get every single thing you want - and name your price. The fact is, even people who are spending millions for their homes don’t get everything they want! I’ve seen buyers insist that they need X number of bedrooms and Y number of bathrooms in move-in condition for a price that is just not going to happen, even in this clearance sale climate, and end up looking and looking, ad infinitum.
If your agent has shown you home after home that is what you want, but has sold for more than you want to spend, and you’re confident that you can find or cut a better deal because the market is down and you just os happen to be a brilliant negotiator (!), you might be at risk of falling into this trap. There are deals to be had, but if you don’t stay grounded in reality, you’ll end up chasing your tail and missing out on the tax and lifestyle advantages of homeownership.
If you’ve been house hunting for months and months on end, your agent keeps trying to tell you that you should search in a lower price bracket, you have repeatedly gotten overbid or you just can’t seem to find the precise home you seek in the location and price range you seek, at least consider the possibility that you might have an outsized wish list for your budget. Take a step back, revisit your vision, and remind yourself what’s really important. It’s okay to save some “must-haves” and “deal-breakers” for your next home purchase!
3. Get a local expert to brief you on the local market, then screen out the noise. Now more than ever, it’s essential to have laser beam focus on the information and strategies that will get you what you want – whether it’s an amazing deal on the home you’ve always wanted or simply success at becoming the owner of your first home at a price you never thought would ever be possible. Otherwise, you’ll end up all over the place, spending your time, money and sanity attending auctions, getting worked up over distressed properties that aren’t yet for sale, trying to negotiate deals with sellers who are in no position to cut them and having your lowball offers on bank-owned properties rejected time after time.
Don’t let a news story about a guy in Minnesota who got a home for $3.27 be the basis for your entire home buying strategy. Instead, ask around and get referrals to a local broker or agent who has a track record of helping the people you know. Read their answers on Trulia Voices and ask them your own questions to get a sense for whether they might be a good fit for you – if they are, and you trust them, then consult with them on the dynamics of your local market. The market is down everywhere, relative to 2006. But some markets – and some neighborhoods within markets – are still seeing multiple offers and home prices which are relatively recession-proof, compared to what you’d expect from the national news.
Once you have a strategy in place, work it - don’t let your acupuncturist or shoe repair guy convince you that your strategy is wrong, that you could get the place for cheaper or that the bank should absolutely do every single repair, or you should walk away from the deal. Many would-be buyers lose out on great homes because they take negotiating advice from their holistic veterinarian over that being offered by their broker or agent.
4. Read everything. Good faith estimates. Contracts. Disclosures. Inspection reports. There is a long, long list of multi-page documents that are very easy to “just sign” when you’re in the heat of the hunt and think you’re on the scent of an amazing deal. I’m not suggesting you ask for a week-long pause button to read every document, either – rather, read them when you get them, ask questions, and keep asking until you understand the documents.
Many buyers this summer will make offers on more than one home before they get into contract on “the one,” and many of those properties will be short sales or foreclosures. With distressed properties, every contract is different, so it behooves you not to go on autopilot, just skimming the papers as you might otherwise. Also, inspection reports might reveal red flags and condition issues that you’d normally expect to see in the seller’s disclosures. It’s especially critical, in these situations, to fully understand as much as you can about the property, your loan, and your obligations and due dates under the contracts.
5. Stop your mental accounting and do the actual math - on paper. In the field of behavioral economics, mental accounting refers to the tendency we humans have of doing math in our heads, separating things like easy money (e.g., the so-called “instant equity” from buying a home for less than it’s supposedly worth) from hard-earned wages and salary, and making spending decisions differently from these different mental accounts.
On the scent of a good deal, and in the heat of the hunt, even the most meticulous homebuyer can go up a few thousand in offer price to beat out other buyers. No problem, right? Well, but then when the inspector uncovers a few needed repairs, they make a mental guess as to what they’ll cost, and add that in – again, mentally. Then, when the lender requires a few extra thousand bucks than expected to close, that goes on top, but again, only mentally. And mental money tends to stretch a bit longer than real money does!
So, you can see how it’s possible to break the bank when you thought you were in great shape because you scored such a great purchase price for the property itself.
Even if you hate budgets with every iota of your being, buck up on this one project, pull out the calculator or open up a spreadsheet and keep track of every line item. Get actual repair bids during your inspection period, to the extent possible, and get your math mojo on. It’s fine to buy and incur these overages here and there, but keeping track of them is key. You know what I like to say – surprises are for birthday parties, not for real estate transactions, and not for your bank account, either!
Keeping a strict tab on the expenses you incur during the transaction – or will need to incur afterwards — will save you so much drama later.
Posted in First Time Buyers, Short Sales
Tagged For BUYERS, Home Sales, MY listings, Short Sales
Ah, the end of the year. Time to look back, contemplate on the high points and lessons learned over the year, and start to look forward to the next one.
And when it comes to looking forward in the real estate realm, it’s most interesting to wonder: where will the market be bright in the coming year?
I posed precisely this question to one of the smartest real estate prognosticators I know, Trulia’s Chief Economist, Jed Kolko. His answer was concise and provocative: “Smart cities are hot.”
I asked him to elaborate, and what he said was so interesting I thought I’d let you all in on the conversation that ensued. Here are 5 real estate markets that Jed says you should definitely keep your eye on in 2012.
“In 2012, the local housing markets that will enjoy rising prices, new construction or both, are those that start the year with stronger job growth and fewer empty homes holding back the market. Based on these factors, along with other leading indicators, here are my top five cities to watch:
1. and 2. Austin, TX, and Houston, TX. The bloom’s not off the yellow rose of Texas. Steady job growth and a construction revival make Austin and Houston two of my five cities to watch. Texas isn’t hung over from the housing boom like the other big states of the South and West, so there’s little to hold back growth. Honorable mention to Fort Worth and San Antonio.
3. San Jose, CA. Wasn’t California at the center of the foreclosure crisis? Didn’t prices there fall more than everywhere else in the country? Yup. But there’s no such thing as the California housing market: California is almost as diverse as the U.S. Even though prices plummeted and foreclosures skyrocketed in inland California, the coast is another world. San Jose’s perennially tight housing market makes it faster to bounce back. The San Jose market –which includes most of Silicon Valley – has rapid job growth and the lowest vacancy rate in the country.
4. Suburbs of Boston, MA. This Cambridge-Newton-Framingham market just west of Boston has a strong jobs engine and, like most of New England, missed the worst of the housing bubble. Honorable mention goes to Worcester, one step further west, and Boston’s northern suburbs around Peabody. These areas all benefit from offering more bang for the buck than crowded, expensive Boston: this is because most people looking to move are searching in more suburban or smaller areas than where they live now.
5. Rochester, NY. That’s my hometown, and knowing what’s happened to Kodak and other pillars of the local economy, I was surprised when Rochester scored on the top 5 list. (I applied the same formula to all cities and did not have my thumb on the scale.) Prices – which fell little during the boom – are stable, and the economy has weathered blow after blow and is expanding.
What do these markets have in common? Three – Austin, San Jose, and the area west of Boston – are technology centers. In those three metros, as well as in Rochester, a center of high-skill manufacturing industries, education levels are well above the national average. As the recovery proceeds, smart cities are leading the way. During the housing boom, the go-go cities tended to be lower-skill, lower-education metros. But in 2012, smart is hot: it’ll be the revenge of the nerds.”
Posted in First Time Buyers, Short Sales
“Fewer defaults and foreclosures” tops the list as a key factor indicating recovery, suggesting that consumers will be more confident in the market’s recovery if they believe that their neighborhood as a whole is doing better.
“As long as there are foreclosed homes and lingering for-sale signs in neighborhoods across the country, people are faced with constant, everyday reminders that the housing market is still struggling,” says Kolko. For real estate professionals, showing potential clients and customers local statistics on decreases in defaults can be a major tool in building the confidence consumers need to make a market move.
The survey data showed home sales matter the most next to defaults and foreclosures. With 38 percent of the votes, this data indicates that statistics showing increased home sales can be a major tool to get consumers to believe in the market’s recovery.
Soon, communicating local home sales data is about to become even more important because of a lingeringNational Association of Realtors’ revision to 2005-2011 national home sales data which will likely show national numbers have been to high due to inflation.
For agents who have local areas where sales have increased, data driven presentations can motivate clients who may be straddling the fence on the decision to purchase.
While empty homes mean opportunity, they are a downer when it comes to consumer confidence. ”Neighborhood vacancies are like second-hand smoke, hurting everyone around them,” says Kolko.
Survey data showed, with 32 percent of the responses, declines in vacancies are top confidence builders for consumers.
For agents, this means the value of placing a “sold” sign is not only a great moment for the buyer, but for the neighborhood as a whole. To track vacancies by states, check the U.S. Census Bureau’s quarterly release on home vacancies, which breaks down the information by both state and Metropolitan Statistical Areas.
The survey data says “lower mortgage rates” are another of the top five confidence builders and received 25 percent of votes. That means it’s important, not only to offer clients updates on the day-to-day changes in rates, but also to show the bigger picture.
When it comes down to visual representations of today’s market opportunity, mortgage rate changes over the past 30 years is probably one of the most dramatic graphs an agent can present to a client. To make your own graph of mortgage rates and see the dramatic change, visit Bankrate.com’s Graph Rate Trends Page.
Lastly, the survey showed nothing sells ownership like ownership. Higher Homeownership Rates received 23% of the votes when it came to building confidence among consumers.
This indicates that seeing reminders of sales activity in their area and ownership benefits are keys to motivate clients to make a move.
National stats like these matter for showing macro-level trends that offer agents strategic marketing direction, but there’s nothing like local data.
Kolko says, “Housing will remain a local game and every market will have it’s own trends in 2012.”
The truth is the stats may or may not encourage prospective owners to purchase, but keeping an eye on these indicators is good business for agents who are serious about about educating their clients on market changes.
Posted in First Time Buyers, Short Sales
At this point in December, it can start to feel like the New Year – along with all our hopes, dreams, wishes and expectations for it – are barreling down on us. Personally, I’m a rabid
Resolution-setter, and I have a pretty strong track record of making New Year’s changes actually happen – and stick. But what I know after years of using the New Year as a great excuse to set and meet some goals is that it’s very, very helpful to get a head start, ramping-up to new habits, behaviors and target goals achievements starting in December.
If you’re one of the millions who has an eye on 2012 as the year in which you’ll buy a home (first or not), here are five things you can do now to put yourself on the right path:
1. Check your credit. Take my word for it: there is no bad surprise worse than a bad credit surprise. Okay, maybe there is one thing worse – a credit surprise you receive while you’re in the midst of trying to buy a home!
Recent studies have revealed that a record high number of real estate transactions are falling out of escrow, and that credit “issues” are a leading cause of these dead deals. Your best chance at catching and correcting score-lowering errors and other derogatory items before they destroy your personal American Dream is to start checking and correcting while you still have time on your side.
2. Do your research. The more rapidly the real estate market changes, the more it behooves smart buyers to study up before they jump in. And now’s the time – you can start doing online and in-person research into topics ranging from:
· Target states, cities and neighborhoods. Whether you’re relocating or simply trying to narrow down the local districts to focus on during your 2012 house hunt, December is a great time to start your online research into decision-driving factors like tax rates, school districts, neighborhood character and even prices in various areas. Resident ratings and reviews sites like Trulia and NabeWise can help you make the neighborhood-lifestyle match.
Once you narrow things down and start speaking to local agents, ask them to brief you on the local market dynamics, including how long homes typically stay on the market and whether they generally go for more or less than the asking price, so you can be smart about how you search. (And yes, Virginia, there are areas where homes sell for more than asking, even as we speak!)
· Real estate and mortgage pros. If you don’t already have your pros picked out, now is the time to get on the horn or drop an email or Facebook message to your circle of contacts, asking them for a referral to a broker or agent they love. Follow up by: checking whether these pros are active in answering questions on Trulia Voices, searching for their name and seeing what sort of feedback on them you can cull from the web, then giving them a ring and launching a conversation about whether you and they might be a good partnership.
· Short sales and REOs. Distressed property sales are not for the unwary. If you want to target upside down or foreclosed homes, or are planning to house hunt in an area where many of the listings are described as short sales or foreclosures, get educated about what you can expect from a distressed property purchase transaction before you get your heart set on a short sale.
· What you get for the money. Online house hunting is a powerful tool – especially when it’s cold and wet! But there comes a point in your house hunt where you’ve got to just get out into the actual physical homes you’re seeing online in order to get a strong, accurate sense of what home features, aesthetics and location characteristics correlate with what price points.
· Mortgage musts. You can read a bunch of articles about mortgages and get yourself pretty far down the path toward qualifying for a home loan, but you can only get a personalized action plan for a smooth road ‘home’ by talking with a local mortgage broker and having them assess your basic financials. They might say you need to move funds around, pay a bill down or off or produce some sort of documentation from your employer. And the time to start all that is now.
3. Fluff up your cash cushion. So, you’ve saved up your 3.5 percent down payment. Perhaps you saved a little extra for closing costs. Or maybe you’re even one of those uber-aggressive 20-percent-down-ers. No matter how much you’ve saved, you’ll find that you could use more once you activate your home buying action plan. Mark my words – after closing, you’ll crave extra cash to do some repairs, upgrade a couple of things, buy appliances or even just to hold onto in order to minimize your anxiety about depleting your savings!
So, if homebuying is on your personal 2012 action plan, don’t go hog wild on holiday gifts. Instead, wait until next year and give yourself the gift of a home.
4. Shed some stuff. Sell it. Donate it. Give it to relatives who’ve always coveted it. Just get rid of it. If you do it before year’s end, you can kill three birds with one stone: (a) getting some cold hard cash to go toward your savings, (b) getting some tax receipts so you can deduct the value of your donations in January, (c) minimizing money spent on holiday gifts for loved ones and these two bonus birds – clearing the mental clutter that physical clutter creates and prepping for your move in advance.
5. Sit very, very still. Sometimes, the best way to further our goals is to stop tripping ourselves up. In that vein, commit right now to refrain from making any major financial moves until you buy your home. Don’t quit your job to start that personal chef business (yet), don’t pull a bunch of cash out of your savings account (without getting clearance form your mortgage pro first), and don’t start buying cars and boats on credit – even if you do love the idea of putting the red bow on the car you give your wife, like in the commercials.
I assure you, the bow you’ll be able to put on that house or condo will be much bigger, redder and more tax-advantaged!
Posted in First Time Buyers, Short Sales
Most agents are well versed in the local information and news that affect their neighborhoods. But, the national stats and over-simplified headlines make it hard to keep up with what’s really happening in the big picture.
Here are a few key indicators and some expert advice on what they mean for today’s markets from Trulia’s Chief Economist Jed Kolko.
Many life changes happen for young adults between the ages 25 and 34 that affect housing. From developing careers to making decisions about marriage and households, Jed Kolko, Trulia’s Chief Economist says, “A key measure for housing demand and homeownership is the unemployment rate for this group and the share of this age group that is employed.“
In a recent post on Trulia’s Insights Blog, Kolko offered a great example of how Unemployment for this age group has affected home sales:
“During and after the recession, household formation dropped for this age group, and more of them than ever are living with parents or other adults rather than renting or owning their own place. These folks will wait to form their own households and consider homeownership only when their job prospects improve.”
You don’t have to be an economist to understand the impact of shifts in housing supply and demand. The more supply of a certain item exists, then each individual item is less valuable to buyers. For example, if there is only one Nintendo Wii left on the shelves, people would be willing to pay more to have it versus if there were hundreds available. That’s why Kolko says it’s important to watch your local construction trends:
“New construction activity is a good cue to what’s going to happen in your local market: more new construction today will mean more inventory for buyers or renters — and more competition among sellers or landlords — in the near future.”
Those effects clearly relate to prices, but construction starts don’t just mean increased inventory but they also have a spending effect. Kolko says, “New construction puts more money in the hands of workers – and their incomes will kick-start spending that will boost demand for housing.”
Most agents know, vacancy rates mean housing supply. Smart agents know these vacancies affect home prices. But, by how much?
Kolko says, “The effect of vacancies on nearby home prices is strong: one academic study estimates that a vacant home can lower the price of nearby homes within 500 feet by as little as 0.7% and as much as 10% — depending on whether the vacant home is a foreclosure or just neglected.”
When you see the housing statistics, whether national or local, remember that the story and the effects are often deeper than simple numbers.
Posted in First Time Buyers, Short Sales
Skipping a house payment is actually used occasionally as a marketing strategy for refinancing. It is especially nice around the holidays when extra cash is always needed. It is pretty common knowledge that a payment is not necessary the month following a new mortgage closing, but there is actually a way to skip 2 payments. If the refinance is closed by the 15th of January, for example, a homeowner can roll their January payment into the loan by just letting the accumulated interest due for December be added to the payoff. Since the first payment on the new note is due in March, they skip the February payment. Voila! 2 payments skipped.
Buyers can also use a similar strategy to time their transaction and minimize the amount of cash needed at closing. If a buyer closes on the loan before the 10th day of the month, we can actually pretend (from the pro-rated interest aspect at least) that it closed at the end of the previous month. The mortgage company actually gives the buyer an interest credit from the 1st to whenever the loan closes. This is usually allowed for up to 10 days.
This option reduces the amount of cash needed to close the transaction, but it accelerates when that first payment is due. This will put the note’s first payment date as the 1st of the following month, effectively making the first payment due in 20 days or so. If a buyer is strapped for cash and can make that first payment in a few weeks after another paycheck, closing before the 10th of the month is the cheapest time of the month to close a purchase transaction.
On the flip side….If the buyers have the extra money for the pro-rated interest and the closing is scheduled for the first part of the month, I recommend that they pay the interest to finish out the month. Then their house payment is put off until the 1st of the month following the next month – 50-60 days away! Paying a few hundred dollars in interest is a cheap way to put their FULL PITI payment off another month.
Posted in First Time Buyers, Short Sales
Check out the following 4 ways (along with a few resources) you can use to empower buyers to make the right decision and take advantage of today’s market.
Facts and numbers are an agent’s best resource when it comes to buyer counseling.
Jay Garrett , Agent at RE/MAX Champions, Freehold, NJ says “Very often the amount [buyers would] pay for rent is more than forecasted depreciation [for homes].” It’s important that agent point out these facts.
Garret says, “Recent comps, a “cost of waiting” analysis for first time buyers, and news articles” can be helpful as well.
Recent data shows that in many areas buying outweighs renting by large margins. To show consumers how your area shapes up, check out Trulia’s Quarterly Rent vs. Buy Interactive Index or the U.S. Census Burea’s American Community Survey Brief.
“The financial and tax benefits of owning a home vs. renting are very clear,” according to the National Association of Realtors Field Guide to the Social Benefits of Homeownership.
Real estate taxes, mortgage interest, and certain home improvements can all mean significant savings (and potential refunds) for homeowners. Agents can help their potential clients understand these benefits.
To get up to speed on the basics, check out NAR’s Guide or check out this free quick guide from the American Institute of CPA’s on the Tax Advantages of Home Ownership.
To help her clients take advantage of today’s opportunities, – Melissa Kellerman, Agent at RE/Max Properties, Inc. Colorado Springs, CO says, “I talk to [buyers] about the record low mortgage rates”.
To make your own custom snapshots of long term interest rates, check out the interactive Historical Treasury Ratepublished by the U.S. Treasury.
Serious buyers make serious moves. “It all boils down to their motivation,” says Arnold Celis, III, Agent at Celis Properties under Casa Grande Realty
“One of the best questions I learned is ‘If I find you a perfect house within the next 2 to 3 days is there anything that would stop you from buying it?’” he says.
Arnold’s question is an important one for agents to consider. Understanding the level and reasoning behind a potential buyer’s motivation can be valuable in helping clients make the best real estate decision.
At the end of the day, the decision to make the leap into home ownerships rests in the client’s hands. A smart agent’s job is to make sure prospective owners have the right information to make their assessment and understand the unique opportunities today’s markets presents.
Posted in First Time Buyers, Short Sales
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Today’s home sellers have it hard: home values have dropped, the market is flooded with competition and even if a buyer makes an offer, deals are falling through more than ever. On top of that, sellers face the age-old problem of having two conflicting goals: they want to sell their home fast, but also want (and need) to squeeze every possible dollar out of the sale. While it’s tempting to price your place on the high side, overpricing your home can actually deter buyers, cause your home to lag on the market and even expose you to the risk of being perceived as desperate, resulting in lowball offers. Here are 5 tips to overcome the temptation to overprice your home, all of which can help maximize your chance of a sale. |
Posted in First Time Buyers
The right agent can be found if you do the proper research and know the right questions to ask. Majority of people are not satisfied with their agent by the end of the transaction – Avoid this by knowing what to look for in a successful agent and what to ask them to identify their depth of knowledge. Are you sure that friend or referral is going to meet your needs? Read this report to find out!
Posted in First Time Buyers, Short Sales
