3 Reasons to Invest in Real Estate January 10, 2009

The market for just about everything these days is on a downward spiral. Although establishing yourself in something real seems more reasonable than most ideas. Frequently when consumers hear the word Real Estate they get concerned.

Simply because there isn’t a lot of protection for the average homeowner and in most situations it takes a longer amount of time to truly see its pay off. Though we would rather get the quick cash. The most sensible investment is one that pays steady over a longer course of time. You may need to wait longer to see your money grow but it will be well worth it in the end.

Below are a few reasons why you should invest in Real Estate:

1] Establish Financial Stability: Real Estate no matter how bad the property is when you obtain it has some value. Over time it will grow as long as the value of the area around it grows. This will provide you with a constant Net Worth.

2] Revolving Trade Credit: Generally in order to get a loan of any real magnitude one must have 3 lines of revolving credit. This is not just accounts in collections, or paid accounts but accounts you are continually paying on.

The average family has monthly credit card payments, maybe a car payment, and insurance, sometimes current bills paid. However if you are an unfortunate soul who has no real credit there are places that will allow you to improve your credit through a land contract.

This is a contract that gives you recognition as a owner of the property, you can make all the decisions until the home is paid off. Some allow you to pay them off without penalty’s, others you must stay within the contracted payments until the amount is paid back.

*Note: Terms may vary so check with someone familiar with contracts before signing on the dotted line.

3] Freedom- Being a homeowner gives you freedom you wouldn’t get while renting. Being able to make the decisions on whether or not to change the color of your walls is something many take for granted. The truth is dealing with a landlord constantly can get frustrating and down right messy.

“Remember there’s no place like home”

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Real Estate: Tips for Upgrading Your Home October 2, 2008

Quite often we struggle with finding new ways to increase the value of our homes. With rising markets and the struggle in the economy its a wonder we can get anything out of our homes. So how do we find new ways to increase our homes value without breaking our banks?

Below are three ways to get you started:

Tip 1: Work on the Yard: Keeping up the yard, trimming edges, planting flowers, trimming bushes, and trimming trees can go miles. However if you have a nice garden, sculptures, or added décor in the yard this will increase the value of the houses overall price.

Tip 2: Small things inside go a long way: New windows, varnished hardwood floors, New Carpet, or even a fresh coat of paint can do wonders for the value of your home. Though it seems expensive most of these things can be done by you and found at a cheap rate at your local hardware store. Budgeting and adding things like new windows one or two at a time can be worked in your budget. Than when you are ready to sell it will look great!

Tip 3: Working: on the Neighborhood: Many of us don’t realize the effect of our neighborhood on our homes value. Doing things like keeping the homes occupied, and keeping the neighborhood free of trash and debris can change the value of all the homes on your block. Having a community group, or neighborhood watch can increase value and get things going faster as well.

Its the little things you do that can really add up. Fixing things quickly and getting your neighborhood in order will make the value of your home rise fast. Remember it is up to us to keep our neighborhoods clean and homes in good condition. Getting the best value out of our homes will be worth it in the end!

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Home Buying: Three Ways to Get a High Risk Loan September 22, 2008

There are several ways one could get a loan. However if you don’t have perfect or next to perfect credit you will struggle with the purchase of a home. Finding ways to acquire a loan with troubled credit is something we all look for. Below are a few places and tips to locating funding on your next home:

Tip 1: Look for first time home owners assistance programs: Often these programs help you with debt consolidation, budget planning, and finding funding.

Tip 2: Find churches and other non-profit organizations: This places often assist with down-payment assistance, mortgage payments, and other services to assist with funding.

Tip 3: Find high risk Lenders: doing a search on high risk lenders is a good decision. However check to see what kind of interest rates they are charging. Though it will seem high locating the cheapest rate is in your best interest. Additionally beware of balloon loans. These tend loans tend to raise the premiums unexpectedly and can cost you your home.

Places that provide high Risk Loans:

Country Wide- This lender specializes in high risk loans and are willing to work with anyone. Ask them about their programs.

Detroit Property Exchange- Provides land Contracts to those on fix incomes, and bad credit. Ask them about their programs.

In the end with lots of searching you can find help. Debt consolidation and credit repair will also help you achieve your goals. Just because you don’t have perfect credit, or even fair credit doesn’t mean you can not find the home of your dreams!

5 Ways to Freshen Up Your Home For the Sale August 28, 2008

When we are looking to sell our home many things come to mind. We usually focus on the larger things we need to get done a forget about the little things that can make a big impact. First impressions are a major issue when showing your home and making sure you convey the right image to your prospects is important.

Below are 5 things that can give your house a fresh look without ruining your pocketbook:

Tip 1 Landscape: Making sure that your yard is looking its best is important. Minor things such as edging the yard, picking up paper or debris, and pulling the weeds can make a great first impression after all its the first thing they see when they pull up.

Tip 2 Opening the Curtains- Though this seems like a trivial thing to think about. The simple task of opening the curtains can make a dreary home look inviting. It can add life to your home. After all the prospect might want to see what it looks like with the sun shining in!

Tip 3 Paint and Varnish: if you have hardwood floors or other wood finishes in your home a good paint job or varnish can change its look completely. It maybe less expensive to do it yourself. This should be for mere added polish. If your home is older it may need a complete overhaul.

Tip 4 Closets & Pantries: if you home has little closet space/pantries it would be wise to organize the closets in a way that gives the appearance of storage for the potential buyer. Additionally is your closets are large showcase them!

Tip 5 Back up and give them room: When you are doing a showing and have potential buyers in the house be available for questions but don’t crowd them. Hang in the back to give them room to roam. Additionally the fewer helping hands the better you don’t want to intimidate the potential buyers!

Use these tips well and improve the appeal of your home. After all we are trying to sell and what is more appealing than that!

Building the Home of Your Dreams: Finding a Contractor August 10, 2008

When you are deciding to go into something as big as Building your dream home you have to make sure all your ducks are in a row. Understanding the importance of contractors and determining what contractors are best for you and your budget should be thought of before you invest too much in the process.

The contractors are a big part of the over all project. If you are not comfortable with who you have chosen you should not go ahead with the project. The contractors have many responsibilities. Some of the biggest are making sure that the home is going to pass inspection at each point. The also ensure that the job is getting done within the time frame stated.

Below are a few things to look for when finding a good contractor:

Tip 1: Check their school and Certification- Make sure that the contractor you are working with is legitimate. Request to know where they went to school. What certificates they received and check out these places. Don’t be afraid to research them, don’t go off just what they tell you. If at all possible you may do background checks on them before hiring.

Tip 2: Make sure you are comfortable with them: Listening to yourself as well as the other data is just as important. If you are getting a bad vibe from them chances are you should not hire them. Learn from your instincts they can tell you a lot. And better safe than sorry.

Tip 3: Pricing: Do not leave it to the contractor to tell you how much it’s going to cost for the job. Research- Figure out the right price on your own. If they fit in your range than take a chance. If you think they are charging you too much than simply move on to the next contractor. Never pay all the money up front. Pay half in the beginning and the other half when the project is completed and inspected.

In the end the choice is yours. However remember that this is your dream project and all details should be right before the project moves on!

Until next time,

Smiles~

Finding the Perfect Home: Tips to Ease the Tension August 4, 2008

Finding a perfect home can be difficult and stressful on not only you but your family. There are many ways in which this can be done to assist you in Locating and securing your perfect home without added stress. Below are a few ways to ease your tension and keep you and your family happy.

Tip 1: The Agent: Finding a real estate agent that is in it for you and not what homes he can pawn off on you is important. Listen to him/her; check their credentials; Listen to your instincts. Making sure your agent and you are a good match is important. Listen to see if they are paying attention to you and your families needs. This will reduce stress and make the process much smoother.

Tip 2: View the houses before the agent visits with you: Go and visit the homes you are interested in. Take a look at them and evaluate them for yourself. Try and see if you can see inside before they get there. This will allow you to have some idea if it is something you want to pursue further.

Tip 3: Ask Questions: Ask as many questions as you need to so you can understand what is going on; or what they are saying. No matter how dumb you may think they are after all the real estate agent is working for you!

In the end you should always remember that the agent works for you. If you are not happy with the decisions they should not be happy!

Until next time!

3 Tips to Finding a Good Real Estate Agent July 19, 2008

One of the most important parts of buying or selling a home is finding good representation. Trust and reliability is a big issue in problems with the Real Estate Agent you choose. Many times people have little to no trust in them and hold information back or lose communication with them. Realizing that this person is going to represent you and quite possibly your home is something to keep in mind when you are choosing one that is right for you.

Below are 3 tips to get you started:

Tip 1: Personality- Now many of you probably say what does this have to do with Real Estate? Well when it comes to finding an Agent it could have a lot. The Real Estate Agent you chose will be in charge of the sale of your home- or helping you find one that is right for your family. This is a big responsibility. It also means you will be spending a lot of time talking and working closely with this person. Making sure you can act civil together is a big part of finding an Agent.

Tip 2: Referrals & Credentials: Ask around about the Agents you are looking at. Make sure you get the skinny on them before you even contact them. Look up their credentials. Ask them about where they went to school. How much education they received, etc. If they hesitate to answer or give you the run around take it as a hint…!

Tip 3: Commissions & Cost: find out how much their cut is if they sell the house. Ask them what they have made in the past. Make sure you can afford to work with them. Do they charge extra for costs of open houses, placing ads, etc…and once again if they hesitate to tell you…maybe you should take it as a sign to look elsewhere.

Remember if you are buying your first, third, or 52nd home the Real Estate Agent is working for you. And if you are selling your home they are definitely working for you. Make sure they contact you on all decisions and you have a say in what does or doesn’t happen with your home!

Buying & Selling A Home: A Beginners Guide July 11, 2008

Tips & Tricks-

The Real Estate business these days is a cut throat operation. Many struggle with finding was to purchase and sell a home. Looking forward in Real Estate we currently see a struggling market however there are a few things you can do to help your house sell faster, to find a home easier, or profit from the current market.

Below are some tips to help you Sell your home faster:

Detach yourself from the home-

Though it often difficult to think of; severing your emotional ties with the home is necessary to get a reasonable price. Quite often if we are too emotionally attached we do not negotiate well. We worry about the couple, or family that is trying to buy the house. Being too picky or to overbearing to get the sale. This will greatly hinder you in the sales process, amount of purchase, and open houses.

List your home as Anonymous-

It is an easy way to gain interest in your home. Listing as anonymous may bring in more prospective clients. Once you get them wondering it is easier to make the sale.

Fix up the home-

Improving landscape, painting a wall or two, and touching up carpets and floors add value to your home. Keeping the prospects interested. The important thing to remember the nicer it looks the more interested many prospective buyers will be when they look at your home.

Tune in tomorrow when we talk over tips on buying real estate.

Finding Real Estate: At Your Back Door July 6, 2008

According to the national census approximately 60% of Americans are currently renting their homes. That is over have of the US population. The market on real estate is declining on a very high slope. There are several ways you can help yourself become a home owner, sell your property, or just find the perfect home to rent.

Below is a list of way to make it happen for you:

For Sales By Owner:

Homes for sale by owner are beneficial not only for the person buying a home but also for the person selling a home as well. Let me tell you why. For sales by owner gives the seller more options on who he wants to sell the home too, and what his sale price is going to be. If you are looking to sell your home through an agent it maybe more difficult to negotiate the purchase price because the real estate agent would do that for you. It would also be difficult to see the prospective buyer because the real estate agent would do that as well.

Working with Real Estate Agents:

The nice thing about working with real estate agents is that you wont be responsible for checking credit or background. Communications with the prospective buyers the agent will handle all that for a fee of course. Additionally you would just sit and wait on the agent to bring you your prospective buyers. They are responsible for placing ads, keeping up with interested buyers and managing the sales process.

Working with Real Estate Agents When Purchasing a Home:

If you are purchasing a home working with a real estate agent can give you more options. They have financing services many times or specific lenders they can refer you too. Additionally they already know where the homes are and can take you on showings of the houses much quicker. The down side is most Real Estate agents go by credit and income requirements and if your credit is less then perfect you might have a hard time finding a Real Estate agent that will help you purchase a home.

Overall the game of finding Real Estate can be long and time consuming process. However we have created a site which will allow you to post ads when selling your home, and find ones that are selling all at one place. The site you ask? Http://www.dirget.com come check us out its your one stop for your Real Estate needs!

Until next time,

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