Group: http://groups.google.com/group/publish-these-articles/topics
- The Best Colon Cleansing Methods Explained [1 Update]
- Discover Fast Cash No Credit Check Loans For Your Emergency Cash Needs [1 Update]
- Alcoholism Facts: The Facts, The Truth And The Ugly Of Alcoholism [1 Update]
- Robben Island, South Africa - Place Of Sorrows [1 Update]
- Is The National Residential Real Estate Market Headed For A Depression In 2007? Is There Any Good News? [1 Update]
- Who Should Hire The Real Estate Appraiser And Why? [1 Update]
- Before Viewing Homes For Sale, Know What You Can Afford To Pay [1 Update]
- The Bubble Has Yet To Burst On Existing Homes For Sale [1 Update]
- Improve Your Credit Score And Consider More Homes [1 Update]
- Why Do You Need A Real Estate Appraisal? [1 Update]
- Refinancing Your Homes Mortgage [1 Update]
- How Are Interest Rates On Loans For Homes Calculated? [1 Update]
- Carlsbad California Real Estate: Beauty By The Sea [1 Update]
- The Advantages Of Hiring A Carlsbad Real Estate Agent [1 Update]
- Homes For Sale In Encinitas Offer Coastal Beauty At Its Best [1 Update]
- Rancho Bernardo Real Estate [1 Update]
- San Diego Real Estate Agent [1 Update]
- San Diego Homes For Sale Located In "America's Finest City" [1 Update]
- Choosing A Mover Tips [1 Update]
- Improve Your FICO Score Before Shopping For Homes For Sale [1 Update]
- Realtors Seeing A Buyer's Market For Condos [1 Update]
- Make Your Homes For Sale Offer Contingent Upon A Clue Report [1 Update]
- Five Factors To Consider Before Investing In Residential Real Estate [1 Update]
- The Real Estate Market May Soon Take An Upturn With Homes For Sale Inventories Back To Normal Levels By Midyear [1 Update]
- Realtor Certifications — Should Your Realtor Have One? [1 Update]
- "JimC" <submissions@isnare.net> Mar 29 11:50PM +0800
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Article Title: The Best Colon Cleansing Methods Explained
Author: JimC
Word Count: 358
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Do you realize that you may be carrying as much as the equivalent of 8 meals of undigested food in your colon? That's 8 meals of waste that inhibits the function of your digestive system in general and your colon in particular. The end result can be chronic constipation, a rise in harmful bacteria in the body, a population explosion of parasites living in the digestive tract, and nosedive in the function of your immune system. Fight back using the best colon cleansing methods. The tools in your war arsenal against a clogged colon are hydrotherapy, enemas, and herbals cleansers. Please note that laxatives are not colon cleansers and extended use can damage the muscle surrounding the colon.
Hydrotherapy removes old hardened waste from the colon and is sometimes called high colonic irrigation or high colonics. Trained professionals at a clinic or day spa are the only individuals to trust for this process. A device known as a speculum is carefully pushed into the rectum. The speculum is attaches to a colon irrigation machine. That device sends a flood of warm water into softening fecal matter attached to the colon wall. This is sent through a tube leading back into the machine and hygienically disposed of. Not until 20 to 30 gallons of water has been flushed through the colon will the procedure cease. It only sounds a bit over the top; this method is undoubtedly the best colon cleansing treatment available.
Enemas are relatively inexpensive with the added advantage of home use. They reach the lower half of the colon and fail to remove mucoid plaque. Enemas may be plain water, or contain coffee or clay.
A less expensive and invasive alternative to hydrotherapy are herbal cleansers. Psyllium is the main active ingredient as a general rule, though other herbs can be included in the formula. Herbs disinfecting the digestive system while it is going through the detox process can prove quite effective: marshmallow, chaparral, and slippery elm are especially recommended as they contribute to the healing process. For individuals who cannot withstand the rigors of hydrotherapy, herbal cleanser can still provide some relief.
About The Author: Are You Ready For a Toxic-Free Colon? You are about to know what your colon must know about the best colon cleansing method. Angel CH is an expert and has been writing and researching about colon detoxification daily. Discover the truth by visiting http://www.coloncleansingonline.com for answers.
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- "JimC" <submissions@isnare.net> Mar 29 11:40PM +0800
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Article Title: Discover Fast Cash No Credit Check Loans For Your Emergency Cash Needs
Author: JimC
Word Count: 319
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Payday loans, which are also known as paycheck advances, have become increasingly prevalent in recent years. There are a growing number of men and women who find themselves with so many bills to deal with or an emergency situation that they have to have some source for immediate cash. The mechanics of payday loans are simple. Payday loans are extended by credit companies as cash advances and are paid back by the borrower when the next paycheck is received. Most payday advances have two week terms and are for amounts between $100 to $1500. Recently, federal legislation was enacted to cap the interest rates on these type of loans below 40% APR.
There are credit companies that offer what are known as fast cash no credit check loans. These loans give people who have bad credit the chance to get the emergency financing that they need. The danger lies in the fact that some of these lenders are unscrupulous and will charge high interest rates and other fees that will further burden the borrower. Quite a few people find themselves trapped in a vicious cycle of debt when it comes to fast cash no credit check loans. Some people are forced to continuously extend and add to their fast cash no credit check loan, putting themselves further in debt all of the time.
The upside for the payday loan industry is that with an growing number of fast cash no credit check loans being taken out by borrowers, profits are increasing. Research has demonstrated that most of the profit comes from repeat borrowers who keep paying additional fees every time they renew their loans. On the other hand, those borrowers who are prudent can still take advantage of these fast cash no credit check loans when they are in an emergency situation. The key is using these loans only for emergency purposes and paying them back right away.
About The Author: You are about to know what smart loan borrowers must know about fast cash no credit check loans. JimC is an expert and has been writing about online payday loans for fast cash daily. Discover the truth by visiting http://www.fixmoneyproblem.com a popular website that offers payday loan info & tips.
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- "JimC" <submissions@isnare.net> Mar 29 11:30PM +0800
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Article Title: Alcoholism Facts: The Facts, The Truth And The Ugly Of Alcoholism
Author: JimC
Word Count: 358
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Alcoholism Facts: Introduction
Grasping the fundamental alcoholism facts is crucial in order for a person to have a clearer understanding of the disease of alcoholism in the first instance. By comprehending the basic, elementary alcoholism facts, you can best access assistance and deal with alcoholism should you ever be in a position in your own life when that becomes necessary - either for yourself or for someone you care about.
Alcoholism Facts: What is alcoholism?
Alcoholism is defined as a disease that is marked by the presence of four primary symptoms in most cases:
* craving alcohol
* loss of control over alcohol use
* physical dependence upon alcohol
* tolerance of alcohol over time
Alcoholism Facts: Is alcoholism a disease?
The vast majority of experts do consider alcoholism to be a disease. These researchers and medical practitioners have concluded that the underlying symptom of this disease is a craving or need for alcohol. This craving itself can be as powerful and as intense as the need for food and water. The nature of the disease is such that a person will continue to drink alcohol even though he or she experiences extreme emotional, mental, physical, inter-personal and legal problems.
Alcoholism Facts: Can alcoholism be cured?
No. Alcoholism is a chronic disease that can be controlled but not cured. One of the most important of the alcoholism facts to keep is that the disease of alcoholism can be managed through treatment and through a responsible and reasonable relapse prevention plan.
Alcoholism Facts: Can alcoholism be treated?
Yes. As noted a moment ago, there are treatment options available to people who are suffering from the disease of alcoholism.
Alcoholism Facts: Does alcoholism treatment really work?
Yes. Alcoholism treatment can be effective in many cases. Recovery is possible provided the person afflicted with alcoholism is willing to make the effort to remain in recovery and to remain sober.
About The Author: You Are About to Know What Alcoholic Must Know in Alcoholism Fact Sheet. JimC is an expert and has been writing and researching more Alcoholism Facts daily. Discover the truth by visiting http://www.alcoholism-detox.com, a popular website that offers The Facts, The Ugly, The Solutions of Alcoholism.
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- "Wim Van Der Walt" <submissions@isnare.net> Mar 29 11:20PM +0800
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Article Title: Robben Island, South Africa - Place Of Sorrows
Author: Wim Van Der Walt
Word Count: 538
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Islands are normally associated with unrestricted freedom. If inhabited, islands represent a lazy lifestyle far removed from society's rules and regulations. Robben Island though, has a history of deep sorrow, drenched in the coldness that the human heart can bestow on others dissimilar to their own kind.
The story of Robben Island started in 1652 when Jan van Riebeeck landed in Cape Town on orders from the Dutch East Indian Company to establish a post where boats could harbour on way to the East. He almost immediately started to use the Island - which is only a few kilometers from the mainland - as a place where troublemakers could be kept away from the growing community.
The first political prisoner, Autshumato, was exiled in 1658, simply because he was taking back cattle that his people believed to have been unfairly confiscated by European settlers. Prisoners were also brought from other countries. Most of them strong-willed rebels that were removed from their societies before they could stir too much trouble.
They were soon joined by ordinary criminals, the mentally ill, lepers and even prostitutes who could spread diseases. Island life became very harsh with no kindness felt or offered. Robben Island had started it's culture of alienation.
Long before its most famous prisoner, Nelson Mandela, another great indigenous leader, Makana, was held captive on Robben Island. He was a strong Xhosa leader who fought against the British over land issues during the early part of the eighteen hundreds, but surrendered in order to negotiate a meaningful peace. He was unceremoniously transported to the Island and died there far removed from his people.
During the reign of the Apartheid regime, discrimination against non-white people escalated and basic human rights became non-existent. Many fighters for freedom were imprisoned on Robben Island during those dark decades. They faced an iron hand and human interaction was kept to the minimum.
There is one heart-gripping story where the political prisoners where marched past the isolated house where Robert Sobukwe was kept in solitary confinement. At that moment he was in the garden and when he saw the other prisoners he got onto his knees, picked up a hand full of sand and let it filter through his fingers as a solitary gesture of communication.
Nelson Mandela, one of the world's most revered leaders, spent 27 years in jail, most of that on Robben Island, for his participation in the cause for freedom. When the world community met this remarkable man after so many years in jail, they were amazed. Here was a man whose life had been effectively robbed from him and instead of an angry man, we all saw a generous man emerging with steady eyes and a mischievous smile.
Robben Island that should have killed the human spirit, had only succeeded in producing an emphatic healer of a divided country.
A visit to Cape Town cannot be concluded without getting on the boat from the Cape Town Waterfront and walking in and around the infamous and at the same time famous jail that kept many different kinds of people behind bars over the centuries.
About The Author: Wim writes for http://Worldcup-Accommodation.info where you can read about the Rugby World Cup in 2007 and the Soccer World Cup in 2010. He also writes about property investment in South Africa.
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- "J Harris" <submissions@isnare.net> Mar 29 11:10PM +0800
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Article Title: Is The National Residential Real Estate Market Headed For A Depression In 2007? Is There Any Good News?
Author: J Harris
Word Count: 792
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At the beginning of 2006, the so named real estate "bubble" across the nation was leaking air. We read opposing views by economists, whose opinions graced the pages of national media and were dependent upon which economic theory they followed. It was difficult to know whom to believe. It is now 2007, and we know in most areas the real estate market is considered to be in a recession.
A national economic recession occurs when the gross national product declines by five-to-ten percent over a six-month period. Residential real estate prices have dropped double digit percent points since the beginning of 2006 and inventories of used homes listed for sale doubled between 2004 and 2005, then again between 2005 and 2006.
The News Isn't All Bad
Real estate is only a part of the gross national product, and the Federal Reserve helped curb inflation by raising the interest rate in 2006. Overall National business activity has increased in the past year, and unemployment is fairing well, remaining at 4.5 percent. New jobs totaling 167,000 were added in December 2006. The gross national product has not declined and the national economy is in very good shape.
So, what does this mean to the sellers and buyers of residential real estate? It means business is back to normal, before the real estate "bubble" inflated so to speak — with some roadblocks to navigate.
Less Available Money
First, all the money that was being invested into real estate during the boom has been diverted into other non-real estate investment opportunities. This means that money once invested in mortgage-backed securities is diminishing.
Additionally, large mortgage lenders are receiving more federal oversight scrutiny for lending practices used during the latest real estate boom. They continually raised the lending limits to control the market (or so a few of these lenders are accused), making mortgage access much too easy. Many of those, who took loans at only 20 percent-to-nothing down (called leveraging), now are losing their homes and defaulting on their mortgages. Even if these owners could sell their homes, afterwards, they would still owe much on the balance of the mortgage. They are being hit the hardest with default rates doubling in both 2005 and 2006, and expected to continue throughout 2007. This, too, has hit the mortgage lending industry where it hurts the most — profits.
Buyers will have a more difficult time securing a mortgage than during the real estate boom, when just about anyone with any type of credit rating was approved. Less mortgage availability means less potential buyers for the home sellers, too.
Before looking for new residential real estate, secure your financing first. Not only are you then confident in looking at property, but also you know exactly what you can afford.
For sellers, ensure your realtor asks potential buyers if they have secured financing. Those that have, even if their offer is a bit lower, may be more attractive buyers than those who have not. You decide which offer to accept. This is especially important, if you are in a hurry to close.
Prices at Practical Levels
During the real estate boom, home values rose by almost 500 percent between 1990 and 2005. Now, they are back to practical levels.
For sellers, who purchased their homes by leveraging, they may have to take a loss or wait out the current market for better times. All sellers face a lot of competition from other homeowners wishing to sell. Some creative staging of their property (inside and out), as well as adding incentives to buyers, can make their residential real estate for sale stand out among the rest. Some Realtors have found success placing the asking price right on the "for sale" sign. Others have taken advertising and marketing into the 21st century by creating specific web sites with a gallery of interior and exterior photos of the home1 . Many Realtors believe in promoting the home for sale through the media by giving the asking price (especially when it is a great deal) — buyers are more apt to be interested, when they know they can afford it. Sellers were in the lead negotiating seat during the real estate boom. They must accept that, though they still have negotiation power, they have relinquished the lead seat to the buyers. This makes a realtor invaluable to both sellers and buyers, alike.
For the buyers, you will get much better real estate deals now. You can take more time to decide and make an offer than during the boom. Secure your financing first, hire a realtor and enjoy the hunt.
1 Ensure no valuables are in the photos. You wish to attract potential buyers — not thieves.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.themortgagecity.com/
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- "J Harris" <submissions@isnare.net> Mar 29 11:00PM +0800
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Article Title: Who Should Hire The Real Estate Appraiser And Why?
Author: J Harris
Word Count: 618
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Everyone involved in the sale of real estate has a vested interest in the results of a real estate appraisal. The outcome affects the seller, the buyer, the lender, and even the realtor.
A too low valuation of the property by the appraiser could mean a seller must lower the asking price. For a lending officer, it could mean a lesser commission or none at all. A too high valuation means the buyer could be paying more than the property is worth. For the realtor, his/her commission could go higher or lower, which is based on the purchase/sell price of the real estate.
An appraiser, who should be licensed by the state, performs the real estate appraisal. It is best to hire someone local with years of full-time experience in order to get a more accurate appraisal. The appraiser and appraisal are governed by the minimum standards, published periodically in the Uniform Standard of Professional Appraisal Practice by the Appraisal Foundation. The Foundation is chartered by Congress.
The recent real estate bubble, unfortunately, brought problems for appraisers and many involved in real estate transactions. According to Realty Times in their April 2006 issue, appraisers have been routinely asked by lenders to inflate real estate values to keep up with the ever-rising real estate market. One real estate appraiser in San Diego quit and turned in his license to the state, after being fired three consecutive times for refusing to inflate his valuations. Now, real estate appraisers across the United States are under a microscope from federal financial regulators and Congress.
The real estate appraiser may be hired by the seller to determine an accurate selling price or by the buyer to ensure the accuracy of the purchase price and mortgage; but generally, the lender does the hiring or uses their own in-house appraiser. Though buyers may assume the lender has their best interest, mortgage lenders have their own best interest at the forefront, especially some not-so-scrupulous lending officers who may be targeting a higher commission.
If I were a seller, I would hire my own real estate appraiser to ensure I was getting the most for my property. As a buyer, I would put the money out upfront to hire an independent and objective appraiser with no connection to anyone within the real estate transaction. This ensures that I do not contract for a mortgage, based on an inflated appraisal valuation, that will give me a new home with a lower or negative equity. The lender still may require a different appraiser.
If five different real estate appraisers evaluated the same property within the same timeframe and under the same conditions, it could result in five different and varying real estate valuations. Why? There is no set checklist or established value for each property feature and amenity. Though appraisals are based on prescribed standards, it is a subjective process.
If there is more than one real estate appraisal and they disagree significantly, you have options. If the value is too low for the seller, renovations may raise the value — or you can decline to sell. If the lender insists on its appraiser's value, which disagrees with your real estate appraiser's value, as the buyer you can look for financing elsewhere — or decline to purchase the real estate. There also is the option to bring the appraisers together to come to a common agreement on the value.
Remember, the person looking out for your best interest is yourself. Ensure the appraiser in your real estate transaction is reputable, objective with no connections to anyone in the transaction, local and experienced.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.themortgagecity.com
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Article Title: Before Viewing Homes For Sale, Know What You Can Afford To Pay
Author: J Harris
Word Count: 609
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Before contacting a realtor and begin looking at homes for sale, there are a few things you need to do. Your realtor will assist you in discovering how much home price you can afford, but he/she needs information from you to do it. So, go prepared with your financial data to your first appointment with your realtor in order to begin looking at homes for sale immediately.
To determine a homes for sale price that you can afford, you need to review your financial situation to determine how much down payment you can afford and how large of a monthly payment you can comfortably handle.
Net Worth
So, before looking at homes for sale, put together a statement of your net worth. Begin by doing an inventory of all your assets (what you own that may be sold for cash). This includes all investments, savings accounts, household furnishings, your current home and any other real estate, vehicles, recreational vehicles and equipment, furs and jewelry, guns, electronic equipment, loans owed to you, any vested equity you own, cash and surrender values of insurance policies, collectibles, and precious metals and gems.
Now, list the value of each item. This is the amount you believe you could sell the item for cash within a reasonable timeframe. Deduct any money owed on the item from the sell price. For example, you might be able to sell your current home for $150,000, but you owe the mortgage company $75,000 (pay-off amount) and another $3,000 in property taxes that would come due before it could be sold.
Now, list all of your liabilities. They are anyone to whom you owe money for whatever reason. They include mortgages, loans and credit lines of any types (including credit cards), and even your Uncle Bob that loaned you $2,000 last summer.
Total your assets and liabilities. Then, subtract the liabilities from your assets to determine your net worth.
Down Payment
To determine your possible down payment for a homes for sale, take your net worth and subtract out the following: Savings for emergencies, education and retirement; settlement and moving costs of buying the homes for sale; and cash you will need to improve, decorate and furnish the new homes for sale. The remaining is your possible down payment.
Monthly Payment
Next, calculate the possible monthly payment you can afford for your homes for sale. List all of your actual and projected monthly expenses. Include all the monthly costs of your liabilities listed above, adding the following items: Insurance premiums, all household expenses (including cell phones and DSL costs), any taxes owed but not already withheld by your employer, all transportation costs (include maintenance, fuel, and licensing), clothing costs (new and maintenance), pocket money for family members, groceries, personal care, recreation and entertainment, medical and dental costs, charity, special expenses (such as tuition), and miscellaneous costs. Divide into monthly costs any expenses paid quarterly or annually.
Now, total your monthly expenses. Subtract out your monthly mortgage or rent. Subtract the remaining expenses from your total monthly household income. This is the amount you can comfortably pay for a monthly mortgage payment on a homes for sale.
If the monthly payment for a homes for sale seems a bit low, review all of your monthly expenses. Where can you decrease or eliminate expenditures? For example, paying off your high-interest credit cards to eliminate the high monthly payments.
Once you have this information in hand, your realtor can determine just what you can afford to pay for a homes for sale.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.themortgagecity.com
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Article Title: The Bubble Has Yet To Burst On Existing Homes For Sale
Author: J Harris
Word Count: 533
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For months now, the doomsayers have been forecasting a burst in the real estate bubble. The burst has yet to happen. According to data released during the first week of October, the median existing homes for sale price fell in August by 1.7 percent, a first in over ten years of year-to-year pricing. The number of homes for sale has jumped to 3.9 million, which is the highest inventory level since 1993.
The bubble for homes for sale still exists; however, because jobs, income and interest rates are still in great shape. This means that forecasts are still excellent for this year, which is expected to be the third best year in history for home sales.
That does not mean that sales figures are as good as last year at this time, when the bubble made homes for sale pricing unrealistically high. With prices coming down and homes for sale inventories rising, the real estate market is moving toward a buyer's market — but we still are a long way from there at this time.
The current homes for sale market means that buyers can take longer to make buying decisions, which keeps many homes for sale on the market longer. There is more competition for owners of homes for sale, requiring different selling techniques.
The most important thing is to accurately price homes for sale. Too high, and they will remain on the market too long. Sellers must be realistic. Homes for sale owners must begin to look at the "real" price of their home, based on what they actually paid for it and for what price they can sell it. They cannot look at the "paper" equity that was created by the bubble — you cannot lose money that was never real! The only money lost is in "theory," based on what an earlier, unrealistic market said for what you could sell your property. The only "real" money that would be lost would be if you had to sell a home for less than you paid, and the homes for sale market is not at that point and hopefully never will be.
The second most important selling technique for homes for sale is to market it correctly and make it stand out amongst all the other homes for sale. Preparation before putting your home on the market will make a difference. Have it inspected beforehand and repair, renovate and replace any defective items in the interior and exterior of the home, as well as landscaping problems. Stage your home for showing — fresh paint, fewer furniture pieces attractively positioned to make rooms appear larger (put your extra pieces in storage), adding small decorative accents of color to pull the viewer's eye to unique features within the rooms, and so on. Some realtors can assist owners of homes for sale with "buy-down" mortgage products to add more buying appeal to the property without having to lower the sale price.
In this current market, the owners of homes for sale with the edge are those who take the extra time and effort before putting their homes on the market, along with a realistic selling price.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.themortgagecity.com
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Article Title: Improve Your Credit Score And Consider More Homes
Author: J Harris
Word Count: 658
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Want to make more homes available in your price range? Then increase your price range. First time homebuyers are often thrown into a state of fear when they encounter terms like FICO score, credit history and PMI for the first time. For many, obtaining loans for homes is the first time they have needed to pay attention to their credit score, and it may be the wake up call that introduces them to the impact that credit history can have on monthly expenses. The truth is that more attractive homes will be in your price range if you have a higher credit score. If you find your self on the path to home ownership for the first time, here are the terms you need to know, and the actions you can take, to put yourself in a good position for looking at the homes you really want.
Know Your FICO Score
Knowledge is power right? Well, the first thing to know is that a FICO (Fair Isaac Corporation) score is a report card of your credit history. Every late payment you've ever sent, any defaulted loans, and the multiple times you may have transferred balances to a lower interest rate card all impact your FICO score. Your score can be anywhere from 300-850, and you want it to be as high as possible.
Loans for homes, and interest rates, are highly dependent on your FICO score. A higher FICO score equals a lower interest rate. And a lower interest rate means lower monthly mortgage payments on new homes.
Steps to Improve Your Credit Score
Planning ahead can make a huge difference in improving your credit score and lowering your homes' mortgage interest rate. Under the Federal Credit Report Act you have the right to view your credit report. To obtain a free copy annually go to http://www.annualcreditreport.com. Your credit score can be improved and greatly increase your chances of getting loans for homes, and your interest rate. If your credit score is less than 650, you have some serious work to do.
Deal With Disparities
It's not uncommon for the credit reporting agencies to make mistakes in your credit report. Your first step is to contact the agency with your dispute and make it right. Eliminating just one report of a defaulted loan, or late payments, can make a significant impart on your credit score.
Say No to Target and Yes to More Homes
Well, not Target stores specifically, but if your goal is to get the best rates on loans for homes possible, then hold off on applying for any new credit cards or taking advantage of those balance transfer deals. Applying for new cards frequently is a major factor in lowering your credit score.
Pay Off Debt
Many homes are on the market today because the owners defaulted on their loans. The homes in your price range will be determined by the monthly payments you can afford to make. If you are just starting the process of looking at homes in your area, then you are in a great position to pump up your credit score.
Start by paying off any consumer (read credit card) debt as fast as you can. This will lower your monthly payments, improve your credit score, and could end up giving you more money to put down on the homes you are looking at.
Homes and Loans
Your goal is to be able to consider the best homes in your price range. And raising your credit score now will impact that price range. You really do have a lot of control over your credit score. And that means more control over the homes you can choose from when the time to make that first home buying purchase finally arrives.
About The Author: John Harris is a researcher and writer on applicable real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/RanchoBernardo-homes.html
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Article Title: Why Do You Need A Real Estate Appraisal?
Author: J Harris
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Anytime you buy or sell real estate, you need a real estate appraisal. The primary purpose is to find out exactly how much your property is worth. Banks and similar lending companies also require it, before a buyer can obtain a mortgage.
A real estate appraisal develops an "educated and trained opinion" on the value of the property. It also, in some circumstances, may ascertain the best use of the property, garnering the best selling price. For example, a long-time residential property may be in an area that has been rezoned for limited commerce, which could potentially bring in a higher sales price than marketing the real estate to potential residential buyers.
An appraiser differs from an inspector, who is looking for things that need to be corrected, repaired or replaced — things that are required by law to be completed before the property can be sold or to enhance your sale price. Though an appraiser will look at these same things, he/she is only interested in developing the value of the property.
A real estate appraisal is based on the highest and best use of real property — what use of the property will produce the highest possible value? The final appraisal must be both profitable and probable.
The real estate appraisal includes a definition of the type of value that is being developed — whether it is a market value (what most sellers need), a condemnation value, quick sale value, and so on.
The Process
The appraiser looks at each property individually, beginning with an objective inspection of the interior and exterior of the home or building, as well as driving through the surrounding neighborhood. The appraiser looks for the assets, as well as the detriments, of the property. For homes, gross living space, quality of construction, location, layout, the number of bedrooms and bathrooms, the lot size, condition of the home and land, central air conditioning, landscaping, number of fireplaces or the lack thereof, decks, pool, fencing, recent renovations, amenities provided by the surrounding neighborhood, and crime statistics of the area are all considered by the real estate appraiser.
Living space is calculated by measuring the outside of the home. It does not include such areas as the garage, porches, sheds, and so on. Basements are generally calculated separately from the living space. The contributory value of basements is determined by the local market, government regulation, if it is finished or not (and the quality of the finish), and so on.
The real estate appraiser usually only considers permanent buildings within his/her appraisal. Fixtures that can be relocated, such as above ground pools and sheds, are not included in the appraisal.
If you are the real estate seller, you should point out any features, amenities or improvements of your home that are not readily discernable.
Next, the real estate appraiser analyzes the available market data for your area and the surrounding neighborhood, including current and historical comparable sales, current offers for comparable homes, pending sales, and proposed improvements. The appraiser gathers data from a variety of sources, as well as his/her own personal knowledge of the local market. The appraiser then compares your real estate to the broader market.
Each real estate appraiser has his/her own process of analyzing, collecting and reconciling the needed appraisal data. If you get five different appraisals for your real estate, you may receive five different appraisal opinions. They should, however, all be within a similar value range, if they are completed within the same timeframe and under the same conditions.
Though the real estate appraisal is not for public consumption, it may be shared with all parties concerned. For instance, a buyer has offered $150,000 for a home, but the buyer-side, commissioned appraisal value is only $146,000. Sharing this appraisal with the seller means that the owner can do needed improvements to bring the price up or offer the real estate to the buyer for the appraisal amount.
For the highest appraisal possible, real estate sellers should have an inspection and appraisal done before putting the property on the market. First, the inspection in order to make any needed repairs or renovations. Then, get the appraisal to ensure you are getting the most for your real estate.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.themortgagecity.com
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Article Title: Refinancing Your Homes Mortgage
Author: J Harris
Word Count: 507
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Refinancing your homes mortgage can be a smart tool for making the most of your money. However, that doesn't means that refinancing is always a good idea. Depending on your homes current and past value, your personal goals and situation, and the specifics of your current loan, refinancing may or may not make sense.
Know Your Homes Value
In addition to knowing your homes assessed value, you need to know whether it is currently increasing or decreasing. While almost all real estate investments increase with time, there are specific situations when a homes value actually decreases. This can make refinancing a bad choice. Simply by calling a local realtor or mortgage lender you will be able to get an idea on the value of homes in your area.
Your Homes Place in Your Future
How long do you intend to stay in your home? In order for a refinancing of your homes mortgage to make sense, you need to stay in it long enough to pay off the points and closing costs associated with the refinancing. If you know you will be looking at other homes next year, this may not be the ideal time to refinance.
On the other hand, refinancing your homes mortgage could be beneficial if your goals are to reduce your debt, make home improvements or increase your homes value. Since a refinancing of your homes mortgage allows you to tap into the equity you've built over the years, using those funds for immediate needs or future investments can make sense. People often refinance a homes loan in order to help pay for retirement, college or medical needs.
Results of Refinancing Your Homes Mortgage
One of the biggest reasons that people refinance their homes is to take advantage of a lower interest rate and reduce monthly mortgage payments. Sometimes the advantages to this are glaringly obvious. For example, if you owe $100,000 on your homes mortgage on a 30-year conventional loan at 6.5% interest, then your monthly payment will be $632 per month. The ability to lower that interest rate by one full point to 5.5% would make your monthly payments only $567 a month. This lowers your homes monthly payment by $68. There are few situations when that scenario is not a good deal.
Questions are more likely to arise when the savings come in the form of a non-traditional loan like an ARM (adjustable rate mortgage) or a balloon loan. To determine which loan is best for your homes mortgage refinancing, understand these terms and work closely with a realtor or mortgage lender who can explain how these will affect you down the road. The basic rule of thumb is to take advantage of these loans for homes that carry fluctuating rates, or major changes in payment, only if you are certain of your ability to handle the increased payment. Final word- Refinancing your homes mortgage loan can be a great financial tool when done at the right time.
About The Author: John Harris is a researcher and writer on applicable real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.themortgagecity.com/
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Article Title: How Are Interest Rates On Loans For Homes Calculated?
Author: J Harris
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One of the most pressing concerns for first time buyers of homes is understanding how interest rates are determined. While most new buyers of homes understand that the mortgage interest rate will directly affect their monthly payments, there's still a lot of confusion about how the rate is determined to begin with. Here are the basics, and how to can use this information when looking at homes to buy.
How Does the Federal Reserve Impact Mortgages on Homes? Basically, the Federal Reserve is the entity that determines the interest rates that banks charge each other when they borrow and loan money. How does this affect the amount of interest your mortgage lender charges you? Well, it's the basis for the prime lending rate, or the interest that banks charge their most reliable customers. Prime is usually about 3% above the bank rate. If you loan is somehow tied to the Prime Rate then this will have a direct impact you. Prime is not the rate most loans are tied to however. Prime is usually associated with Home Equity Lines of Credit.
The more common purchase money and rate and term refinance mortgages, 30 and 15 year fixed for example, are priced completely differently. These loans are more closely tied to supply and demand of the 10 year treasury bond and the correspnding yield. If demand fades, bond dealers have to lower their price of a bond to sell it on the open market. When the price of the bond is reduced, the income stream (interest payments) remains the same and becomes a higher percentage of the bonds value (yield). Here is an example: a $1,000 bond pays $50 a year (5%). If a buyer is concerned about inflation in the economy getting close to the 5% numbr....he is going to want a bigger return on his investment so his demand for a $1,000 5% bond is going to reduce. A seller of that bond might have to reduce the price to $900 in order to sell it. The %50 dollar a year interest payment against a $900 price is 5.56% yield which would hopefully attract the buyer.
When the market is such that demand for bonds is decreasing because of inflation concerns for example, yield requirements are going to be going up and this will also push up the rates offered by mortgage lenders as, just like bonds, mortgage loans are sold in much the same way bonds are sold.....they are bundled togthter and sold as mortgage backed securities. So when you hear the phrase "The Fed Lowered the Rate" or "The Fed Increased rates" understand that this may not affect the typical mortgage rate pricing.
There are other factors that can influence mortgage rates. The most common factor is what is called "Risked Based Pricing". Risked Based Pricing is pricing that takes into account the FICO credit scores of the borrowers. The lower the scores the higher the risk and the higher the mortgage rate. Yes, when it comes to lending- credit scores are king. From the lenders point of view, the best indicator of whether or not you will honor the terms of your home loan are how well you have dealt with past creditors. If you don't already know your FICO (Fair Isaac Corporation) score, you need to become very familiar with this number. It's determined by your credit history, amount owned, how often you apply for cards, length of credit history, and mix of credit types. You want the highest FICO score possible. If it's low you need to read about ways to improve your credit score. This will increase the number of homes available to you.
Mortgage rates can also be influenced by the region the property is located in. For example, California and Florida have traditionally held dubious distinctions of generating more mortgage fraud (and therefore loss) than other states. So as a result mortgage pricing for Florida and California loans typically are higher than a state like Virginia. Mortgage rates can also be influenced by the region the property is located in. For example, California and Florida have traditionally held dubious distinctions of generating more mortgage fraud (and therefore loss) than other states. So as a result mortgage pricing for Florida and California loans typically are higher than a state like Virginia. What this means for buyers of homes is that your individual rate is determined by the spread of rates in your area.
Your mortgage lender will set your interest rate based on these key factors: your credit history, income, outstanding debt, and the types of loans for homes you are seeking. Your income and outstanding debt will impact your interest rate when obtaining your homes mortgage. In many situations using cash on hand to pay off debt, rather than making a larger down payment, can lower your interest rate. Finally, the type of home loan you seek will influence your homes mortgage rate. The traditional 30-year conventional mortgage is likely to have a higher interest rate than an ARM (adjustable rate mortgage). Of course, the ARM is subject to change, so it's a bit riskier. You will want to consult a mortgage lender to determine what type of home loan is best for your personal situation. First time buyers of homes and seasoned pros need to know how interest lending rates are determined to getting the best rate possible. For questions please contact info@themortgagecity.com.
About The Author: John Harris is a researcher and writer on applicable real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.themortgagecity.com/home.aspx
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Article Title: Carlsbad California Real Estate: Beauty By The Sea
Author: J Harris
Word Count: 498
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Resting peacefully in "The Village by the Sea," Carlsbad California real estate thrives on its desirable location and picturesque beauty. Situated in the Northern section of San Diego County, Carlsbad California real estate is surrounded by numerous noted communities, while also gradually becoming a prime destination itself. Fields of flowers and a stunning coastline envelop this scenic coastal community, which offers natural perfection and diverse composition unique only to Carlsbad California.
The Natural Perfection of Carlsbad California Real Estate
Carlsbad California real estate is located approximately 35 miles north of the San Diego city limits, and 90 miles south of Los Angeles. Carlsbad California real estate offers breathtaking beachfront properties along the Pacific Ocean, while possessing the joys of small-town life. The city of Carlsbad covers 42 square miles, which includes more than six miles of coastline and six lagoons. With cool summers and mild winters, Carlsbad California real estate has what some consider a "perfect" climate. This combination of coastal landscape and preferable temperatures is what has drawn so many individuals to invest in Carlsbad California real estate.
The Diverse Composition of Carlsbad California Real Estate
Carlsbad California real estate is divided into two separate areas: old and new. The Old Carlsbad California real estate area is composed of Victorian buildings used as private residences, as well as, small bed and breakfasts. The homes of Old Carlsbad are generally large, with ample lots and large front and back yards. These homes are considered the most valuable pieces of Carlsbad California real estate, and seldom go on the market.
The New Carlsbad California real estate areas are located in the South and East parts of town. The New Carlsbad area contains mostly planned, gated neighborhoods.
All Carlsbad California real estate owners are dedicated to a high standard of living, and revel in the individuality represented in their communities. Real estate prices range from $400,000 to $3 million. Carlsbad California real estate has only increased in value, and prices are predicted to keep steadily rising.
Notable Landmarks Featured in Carlsbad California Real Estate
Carlsbad is celebrated for its notable landmarks and varied community activities. This historic community has not only become a popular address for new real estate buyers, but it has also become a famed tourist attraction. Deemed the Golf Capital of the World, many Carlsbad California real estate owners have a course view from their homes. The downtown Carlsbad area is well-known for its old-fashioned charm, and features international restaurants and boutiques. Carlsbad California real estate owners are also surrounded by the beauty of the Pacific coastline. State beaches supply endless hours of recreation on their dazzling shores, while local parks pave the way for afternoon picnics and family gatherings.
Those searching for the ideal community to settle with your family should consider investing in Carlsbad California real estate. With its luxurious homes and majestic beaches, "The Village by the Sea" is beauty personified.
About The Author: John Harris is a researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/carlsbad-real-estate.html
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Article Title: The Advantages Of Hiring A Carlsbad Real Estate Agent
Author: J Harris
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One of the most sought after residential locations in the nation, the Carlsbad community offers natural beauty mixed with modern charm. Potential home buyers searching for real estate in the area often need assistance during the buying process and before making a final decision. Enlisting the help of a Carlsbad real estate agent can accelerate the buying process as well as alleviate unnecessary problems. With an agent's assistance, your dream home may not be out of reach.
Finding a Topnotch Carlsbad Real Estate Agent
It is vital to secure an informed Carlsbad real estate agent when searching for homes in San Diego County. A Carlsbad real estate agent can be extremely helpful with the trials and tribulations of the home buying process. It is the job of the Carlsbad real estate agent to help in the search for housing, handle all of the necessary procedures and paperwork, and in the end, negotiate deals. Seeking the help of an educated and dedicated Carlsbad real estate agent can be one of the essential factors in purchasing the home of your dreams.
It is the responsibility of the Carlsbad real estate agent to simplify the home buying process, and make it easier for the potential buyer to comprehend. There are essentially three main steps to the buying process: finding a home, making an offer, and completing the purchase. In the search for a home, it is the duty of the Carlsbad real estate agent to help you understand what you can afford, educate you about the various neighborhoods, and provide information on the community as a whole. When making an offer on a home, the agent may review paperwork and clarify details before any documents are signed. Enlisting the full assistance of a Carlsbad real estate agent can make a huge difference when it comes to making final housing decisions.
The Attraction of the Carlsbad Community
Any Carlsbad real estate agent can tell you why this coastal community is so popular. With six miles of Pacific coastline and three lagoons, the natural landscape of this resort town defines beauty. Located 35 miles north of the City of San Diego, mountains frame the east, while the Pacific Ocean rests along the west. With a mild climate, outdoor activities such as surfing, fishing and swimming take center stage year round.
A Glimpse into the Carlsbad Real Estate Market
Real estate in the Carlsbad area is both impressive and expensive. The average price for Carlsbad real estate is $1 million. With outstanding ocean views and an ideal location, many believe the expense is worth every penny. However, those looking for a moderately priced home definitely need the assistance of a Carlsbad real estate agent. With real estate in Carlsbad becoming more difficult to find, lower priced homes are becoming nonexistent. But with the help of a Carlsbad real estate agent, finding a home in paradise may not be so troublesome.
About The Author: John Harris is a researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/carlsbad-real-estate.html
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Article Title: Homes For Sale In Encinitas Offer Coastal Beauty At Its Best
Author: J Harris
Word Count: 505
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Real estate buyers drawn to natural beauty often find what they are looking for in homes for sale in Encinitas, California. Situated in the North County section of San Diego, Encinitas is known for its stunning landscape and ideal climate. With a perfect mixture of modern refinement and historic character, homes for sale in Encinitas possess exactly what real estate investors desire.
Homes for Sale in Encinitas Abundant with Coastal Beauty
Located along six miles of rugged Pacific coastline, Encinitas rests 25 miles north of San Diego. Encinitas is characterized by the beauty of its natural landscape, and features not only pristine beaches, but also rolling hills, and steep mesa bluffs. The Encinitas area covers roughly 21.5 square miles, and sits between the Batiquitos Lagoon to the north, and the San Elijo Lagoon to the south. These Lagoons offer not only great ocean views, but also extraordinary surfing culture.
Those purchasing homes for sale in Encinitas will be treated to ideal temperatures. The average temperature in the Encinitas area is 72 degrees. With this desirable climate and natural coastal elegance, Encinitas will continue to be not only a prime vacation spot, but also a popular city to buy or build a home.
Homes for Sale in Encinitas Offer Diversity
Five separate communities form the city of Encinitas: Olivenhain, Leucadia, Cardiff, and Old and New Encinitas. Each of the communities exhibits a unique flavor, and unify to fill the Encinitas area with diversity. Homes for sale in Encinitas range in style, size and price. From beach cottages, to bluff-top houses with ocean views, Encinitas offers something for everyone. Those searching for homes for sale in Encinitas will discover that the real estate presents a vibe of both old and new.
Homes for sale in Encinitas are some of the most expensive in North San Diego County. Depending on the community, homes for sale in Encinitas can range from $599,000 to $7.9 million. Homes for sale in Encinitas along the Pacific Ocean are the highest priced, and can sell for as much as $9 million. New Encinitas features many new tract homes and estates, while Olivenhain offers huge houses on expansive lots. The entire city is filled with modern condos and townhouses as well as multiple apartment buildings.
Famed Attractions Surround Homes for Sale in Encinitas
The Encinitas area is primarily known as a surfing town, and was named one of the top ten surfing cities by Surfers magazine. If you are in the mood to catch a wave, head to Swami's located in south Encinitas. Encinitas is also home to the largest coastal wetland in San Diego County, San Elijo Lagoon Reserve. Perfect for bird enthusiasts, this lagoon houses nearly 300 species of birds throughout the year. Those searching for homes for sale in Encinitas must be prepared to dwell in "The Flower Capital of the World." Home to Quail Botanical Gardens and Sunshine Gardens, Encinitas can pacify even the most rapid flower and plant lover.
About The Author: John Harris is a researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/encinitas-homes.html
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Article Title: Rancho Bernardo Real Estate
Author: J Harris
Word Count: 495
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If you want to find plush views, comfortable weather, and a calm city atmosphere, Rancho Bernardo real estate is a smart investment. Rancho Bernardo real estate is a growing population, right now at approximately 20,000. The average per capita income is about $31,000 per household and the average household size is 3. Most of the population around Rancho Bernardo real estate is composed of married couples. Given the fact that most families residing in Rancho Bernardo real estate properties are married, the family oriented atmosphere that has been created can make anyone appreciate living here.
Rancho Bernardo real estate is composed of many different combined business locations and employs over 50,000 Rancho Bernardo real estate residents. Sony, Siemens, and Hewlett-Packard are among companies offering great opportunities for Rancho Bernardo real estate owners. Rancho Bernardo real estate is known for its majestic golf courses, four-star dining, lavish community centers and activities, and annual art, wine, and food festivals! The Rancho Bernardo real estate properties are beautiful and wonderful investment opportunities and can generate future income if residents plan on selling and relocation. However, the average household income can make it difficult to find extremely lavish Rancho Bernardo real estate that will bring in a huge cash cow. Since the average is only about $30,000 per household and the Rancho Bernardo real estate is so lavish, it also means it's quite pricey. A good guess would probably be that most people employed near Rancho Bernardo real estate do not actually live in the Rancho Bernardo real estate show cased.
This does not mean it's impossible to acquire Rancho Bernardo real estate. If employment opportunities are available in nearby cities, commuting could make living in one of many wonderful Rancho Bernardo real estate properties a real possibility! More business opportunities are opening around Rancho Bernardo real estate and can be profitable, assisting families in purchasing Rancho Bernardo real estate. Time is the most important factor when considering Rancho Bernardo real estate. Do you have the time to wait for the cash cow to come home? Do you have time and patience to see your family relocate and live as average people to gain fortune from your property later? If so, Rancho Bernardo real estate is a very great opportunity that should be considered for future gain.
The Rancho Bernardo real estate sits on approximately 3,800 acres of private living luxuries that are included in owning Rancho Bernardo real estate. Rancho Bernardo real estate is like a separate mini-city all in its own. Nearby schools have been approved for $193 million dollars in improvement bonds. What this means for future Rancho Bernardo real estate residents that is the area is only growing in strength and number. The value also increases daily by new residents coming in who will receive better educations and become greater contributions to society. Overall, Rancho Bernardo real estate is likely to bring profitable future gain as well as personal gain to anyone residing here!
About The Author: John Harris is a researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/rancho-bernardo-real-estate.html
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Article Title: San Diego Real Estate Agent
Author: J Harris
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If you have a desire to relocate to San Diego, choosing a San Diego real estate agent can be beneficial. San Diego has many communities and is very diverse within city limits. This can indicate that some parts of the city will have different attractions and different standards of living. If you find an experienced San Diego real estate agent, the task of finding the perfect area can become very simple. A San Diego real estate agent can take different types of information about the client and find areas near zones that will actually complement a chosen lifestyle. If you are a person ready to live in the middle of excitement, your San Diego real estate agent can help you find parts of the city that have most of the attractions nearby. If you are searching for a calmer side of town that better expresses your interest in family living, a San Diego real estate agent can help you find that too.
It's important to remember that San Diego is a very large city with many different places to offer newcomers and tourists. Picking a San Diego real estate agent is an extremely important step to finding a great location for what you are looking for. Without hiring a San Diego real estate agent, you could be headed for trouble. There are so many different aspects to living in San Diego that you will certainly need someone to guide you. If you skip this important step in relocating to San Diego, you could end up with a few regrets along the way.
However, there are disadvantages to hiring a San Diego real estate agent. The number one factor in a person choosing to go at this task alone is ultimately the cost. Hiring a San Diego real estate agent does come with a price tag. Areas can be costly to live in and most San Diego real estate agents work off commissions in addition to their established fees. Since many San Diego homes are in the higher $400,000's it can create an even greater amount of money to pay out. Another factor is finding the right San Diego real estate agent. If you are not from the area, this can be tricky. You may not know what exactly to look for but if you take your time and ask San Diego natives, this can help in the process. As everyone knows, every venture has certain risks. Choosing a San Diego real estate agent can help minimize these risks just having an informed insider on your team. The risks and other factors can be ruled out by doing some research on your own too. If you know that you can research and search effectively on your own, you may have no need for a San Diego real estate agent. If you are not comfortable or simply don't want to take the time and effort yourself, well, then choosing a San Diego real estate agent is your best bet!
About The Author: John Harris is a researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/san-diego-county.html
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Article Title: San Diego Homes For Sale Located In "America's Finest City"
Author: J Harris
Word Count: 517
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One of America's favorite vacation destinations, San Diego possesses a mild climate, luxurious real estate, and endless possibilities for recreation and entertainment. With so many advantages to life in this area, it's no surprise that many real estate buyers are now searching for San Diego homes for sale. With "America's Finest City" rapidly growing, the desire for San Diego homes for sale grows as well.
Prime Location Benefits San Diego Homes for Sale
San Diego is known for its eternal sunshine, temperate climate, and close distance to the Pacific Ocean. Located on the southwestern corner of California, San Diego homes for sale are surrounded by pristine beaches, shimmering ocean water, and illustrious canyons. Climates vary according to your location, with the median temperatures ranging in the 70s year round, with coastal areas cooling at night. Because of the proximity to the Pacific, San Diego is also known for first-rate produce production, and revels in the ability to offer constant business opportunities.
San Diego homes for sale are fortunate to reside around several major freeways. Interstate 5 travels south of the border to Mexico, and north through Los Angeles. Beginning on the coast, Interstate 8 heads east into Arizona. These numerous freeways are constantly being improved and renovated to keep up with the steady population growth.
The San Diego Real Estate Market at a Glance
Populated by nearly three million residents, San Diego County is composed of 18 incorporated cities and numerous neighborhoods. The exclusive communities of Carlsbad, Delmar, Chula Vista, and Oceanside are just a few of the areas that compose the county. With so many distinctive regions, San Diego homes for sale will accommodate any buyers' needs.
Those searching for San Diego homes for sale will discover that the area's real estate market is booming. With both the City and County of San Diego quickly expanding, San Diego homes for sale near the Pacific Ocean are some of the most expensive in the entire area. These luxurious estates and mansions can sell for more than $10 million. As you veer away from the ocean, the San Diego homes for sale have a more affordable price tag. Although a bit cheaper, beauty is definitely not lost; these unique houses offer outstanding views of San Diego's famed canyons and mesas.
Recreation and Landmarks Surrounding San Diego Homes for Sale
San Diego homes for sale are surrounded by a variety of recreational activities and famed landmarks. For animal enthusiasts, San Diego is home to Sea World of California and the world renowned San Diego Zoo. Those who prefer water and waves can visit the California Surf Museum, while those searching for a venue with historic charm can plan a trip to the Hotel del Coronado. San Diego homes for sale are encircled by gorgeous beaches and rugged countryside, available for outdoor activities year round, including, surfing, fishing, swimming, and hiking. With so many options available in this eclectic community, the San Diego area continues to expand, with no signs of slowing down.
About The Author: John Harris is a researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/san-diego-county.html
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Article Title: Choosing A Mover Tips
Author: J Harris
Word Count: 577
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Moving can be stressful with the packing, relocating, and adjusting to new surroundings. One thing that can make it easier is to find a good mover.
Moving companies provide their services on a range of fees and it's always a good idea to compare several movers before settling on one. Talk to friends to find out which ones they have used. Check with the Better Business Bureau on the company's record.
Another great idea is to find out if the company is a member of the AMSA Certified Mover Program. The members agree to abide by the terms of their agreements and participate in the program. They also have a code of conduct that requires compete disclosure of information to the customer that includes estimates of charges, timely service and responses to claims and complaints. In addition, they will arbitrate disputes up to $5,000 that come from loss or damage to one's belongings in the move.
Once the list has been completed, the potential movers must be given their destinations and the time of the move. Inquire what they offer and ask for the to go into detail about their estimates and make sure to get a copy to compare it with others to see which one goes best with the budget.
If moving a long distance, be sure to understand all information received and the companies should also provide a consumer booklet called Your Rights and Responsibilities When You Move.
Be sure when in the market for a mover to find a mover that is in good standing with the Better Business Bureau, that they are insured, licensed and regulated. This can be done by checking state transportation services or by looking in the phone book under the Public Utility Common or PUC or Department of Transportation or DOT.
Never use a broker. This is because consumer protection laws that protect household good during the move do not apply to Household Goods Brokers. When a broker gets the deal, he or she will sell the job to the highest bidder and is no longer responsible. Always inquire on whether or not if the person is a broker.
Also, do not use a mover simply be he or she has a low hourly rate. It looks great on paper, but often, many moving companies can add costs to the bill. Sometimes they even take longer to finish to move. The best idea is to choose a moving company that is best suited to your situation, not by the price.
If choosing a National Van Line, be aware that they do not have the authority to do local moves.
Be aware that legitimate movers do not require a deposit for the move. So if one does, it could be a scam.
Moving companies hold licenses that are subject to public record. Contact the moving company's office and ask for the DOT number and then visit http://li-public.fmcsa.dot.gov/LIVIEW/pkg_carrquery.prc_carrlist and put the number in and click search.
If this message, "No record found, please try different search parameters," this moving company is not licensed and it is recommended not to use them.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/
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Article Title: Improve Your FICO Score Before Shopping For Homes For Sale
Author: J Harris
Word Count: 1204
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It always is exciting to begin looking at homes for sale in your area, bigger and perhaps nicer than the property you currently own. Before you let the excitement carry you away and make an offer for homes for sale, first check your FICO score to ensure you can purchase homes for sale at the best rate.
If your score is below 600 for any reason, you need to take corrective action. Better to put off looking for homes for sale, until you can purchase one at a good rate. Otherwise, you will be paying thousands more than necessary for your homes for sale over the life of the mortgage. A score below 600 puts you at a disadvantage with homes for sale lenders; but with dedication and lots of effort on your part, you can improve your FICO score and get the better mortgage rate and terms for your homes for sale. This article gives you ways to improve your FICO score and your credit report.
Payment History
Your payment history accounts for 35 percent of your FICO score and has the biggest impact on purchasing homes for sale. It covers your timeliness of payments, bankruptcy, liens, wage garnishments, collections, delinquent accounts, and the severity of the delinquencies — all very important data to the homes for sale lender. Do the following to improve your payment history:
• Catch up any delinquent bills and make them current. Begin with the revolving credit accounts and then the smallest to the largest account balances. Then, stay current.
• Begin paying all bills on time.
• If you find yourself having financial problems, contact your creditors immediately — before you are late on payments. They can help you with temporary remedies that may not impact your credit rating. If you are truly in debt and do not know what to do, contact a reputable credit counselor, generally a nonprofit firm, to help you learn to manage your finances responsibly.
Even after you pay off collection accounts, they may impact your ability to purchase homes for sale. They will remain on your credit report for seven years.
Total Amount Owed
This accounts for 30 percent of your FICO score, a big factor when buying homes for sale. It covers how much you owe and how many of your credit lines are being used. Improve this area by:
• Keeping your debt-to-credit ratio low. Otherwise, if you have a total credit availability of $20,000, for instance, and total owed of $10,000, then your ratio is 50 percent. High ratio percentages are negatives to homes for sale lenders. At the most, 75 percent is barely acceptable to the homes for sale lender; 35 to 25 percent is best. So, pay down your total debt to improve this ratio, lowering your credit card debt first.
• Pay off your debt. Do not just move it around. The debt-to-credit ratio makes it useless to move what you owe from one credit to another.
• Leave unused credit card accounts open, especially when they show a good credit history in the past. Close them and you do two things — (1) raise your debt-to-credit ratio by lowering your credit availability, and (2) it wipes out the history for the cancelled accounts, if no balance.
• Do not open new credit card accounts just to increase your credit availability level, especially if you do not plan to use them. Too much credit capacity is as high a risk to homes for sale lenders as a high ratio.
Length of Credit History
How long you have been establishing credit accounts for 15 percent of your FICO score, as well as how active your accounts have been. Do the following to improve this section before buying homes for sale:
• Do not open a lot of accounts too rapidly. It will lower your average account age, especially if you have established credit in only the past few years. It also makes you look risky to homes for sale lenders.
• If you have older accounts that you do not use, consider making small purchases and paying them off within six months to continue building a positive credit rating.
• Avoid offers for new cards. Too many credit cards make homes for sale lenders see you as a disaster just waiting to happen.
• Additionally, the longer you pay your bills on time, the more improvement you will see in this sector of the FICO score.
New Credit
New credit accounts for 10 percent of your FICO score. It covers how many new accounts you have opened and what types of credit lines they are, as well as how many recent inquiries have been made against your credit. These are inquiries initiated, because you attempted to secure credit (for example, you applied for a credit card — whether the application was rejected or accepted). Improve this segment by:
• Rate shopping for credit within a focused period of time of 14 days or less. When looking at homes for sale, many people "check out" loans over a long period of time, especially if they are not in a hurry to buy. It makes it look to homes for sale lenders as if you are constantly looking for more credit. Ensure the inquiries show up on your credit report within a short span of time, so that homes for sale lenders know you were shopping for a single loan.
• If you need to re-establish credit, open one or two accounts only. Then, manage them responsibly by keeping the purchases small, the account balance low, and make your payments on time. Also, pay at least a bit more than the minimum payment.
Type of Credit
Another segment that accounts for 10 percent is the type of credit accounts you have. This includes major credit cards, retail cards, mortgage, equity lines of credit, any installment loans, and so on. Improve your credit mix by:
• Having one or two credit cards. It is ironic that homes for sale lenders are leery of people who do not have credit cards.
• Installment loans (for example, a car loan) is better than revolving debt (such as, open-ended credit cards).
• Certain finance company debts (such as buying a large appliance from a retailer with in-store financing) can lower your FICO score.
• A good credit mix shows you can handle multiple credit lines responsibly and usually includes one to two credit cards, one department store card, and an installment loan. If you try to enhance your credit mix, remember to do so slowly over time; otherwise, it becomes a red flag for the homes for sale lender.
• Closing undesirable accounts does not drop them from your credit report. If you have a balance or have shown a late payment history, they remain and continue to be used as part of the FICO scoring.
Improving your FICO score before looking at homes for sale ensures that you will pay a lot less money over the life of the mortgage. It is worth the dedication and effort required.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com
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Article Title: Realtors Seeing A Buyer's Market For Condos
Author: J Harris
Word Count: 613
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According to the National Association of Realtors, the flourishing condominium market is no longer an advantage for sellers. It has become a buyer's market across the United States amidst declining sales and median prices. By year end June 2006, realtors have seen the supply of existing condos for sale increasing by almost two-thirds and sales falling by almost 15 percent across the nation. With investors making up about a third of condo ownership, it is expected that more condominiums will be put up for sale this year. According to the National Association of Home Builders, realtors also can expect an influx of new condo development over the next two years and increasing conversions of rental apartments to condos, adding to the over-availability in the condominium markets.
During the past real estate bubble, condos have appreciated at a faster rate than single-family homes, especially in high-cost metro markets with rapidly rising prices. Even last year ending June 2006, the national median price rose by nearly 14 percent. Realtors only expect an increase of three-to-four percent this year, as compared to six percent for single-family homes.
Currently, the national median price for a condo is $226,900, as compared to a single-family home at $231,500. This makes buying a condominium much more attractive, especially for empty nesters and young families. The realtor outlook for condo prices does vary by region. The Midwest is the best location with only a one-percent sales drop last year and a third of a percent drop in prices — this is within the Chicago and Minneapolis/St. Paul markets. Realtors would expect smaller Midwestern cities to be even better.
Realtors in the western part of the US saw the biggest hit in the condominium market. Sales there last year were down by 21 percent, and there was an 11 percent drop in prices.
For August in the San Diego, Carlsbad and San Marcos area, the median condo price was $373,800, as compared to last year's price during August of $387,100. Realtors saw August sales decrease by 3.4 percent, as compared to an increase of 5.5 percent last year at this time.
With the onslaught of retiring baby-boomers, the condo market may see an upswing during the next five-to-ten years. The downside for some markets is that the increasing amount of natural disasters, such as hurricanes, may change the migratory pattern towards safer weather states.
Sellers
A declining condo market does not mean an owner cannot sell at this time. Realtors advise sellers to price the unit appropriately — more affordable condos still are selling well. Make it stand out over your competition by removing clutter and staging it well. Some sellers are throwing in amenities, such flat-screen televisions and state-of-the-art audio systems. Some are offering bonuses as incentives to the realtors who make the sales, motivating an increase in the number of showings. Realtors advise sellers to be prepared to negotiate with buyers and not to automatically turn down reasonable offers.
Buyers
Realtors see this as a good time to buy if you plan to own the property for at least three-to-five years. Realtors do advise that you look for condos that will hold their value over time for a better resale value. Look for units with a great view; close to downtown or shopping areas for lower gas usage; easy access to parking, public transportation, necessities and amenities; an elevator and spacious floor plans; garage parking in cold climates; and a doorman or concierge if in a luxury market. Realtors also advise that you take your time shopping for the right condominium. Visit the units you like more than once and drive a hard bargain.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com
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Article Title: Make Your Homes For Sale Offer Contingent Upon A Clue Report
Author: J Harris
Word Count: 694
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In most state's, you purchase title insurance to ensure you are not also buying the responsibility for earlier liens against the property. In a finite few states, you pay to have an abstract search to do the same. The one thing most buyers of homes for sale never think of or do is to check the insurance claims history of potential homes for sale. This could be a crucial mistake.
Insurance companies share information with each other. They use the Comprehensive Loss Underwriting Exchange (CLUE), which is a huge database of information. CLUE holds the dates, type of loss, and amount paid on claims to previous owners of your potential homes for sale for the past five years. Information contained in CLUE could very well mean higher homeowners insurance premiums or no coverage at all for particular homes for sale.
For example, previous homes for sale water damage claims are red lights for insurers, because such problems eventually may lead to expensive claims of toxic mold. In California, alone, there have been substantial toxic mold claims over the past ten years. Some fairly new homes had to be completely demolished — very costly to those insurers. Historically, insurance companies have found that toxic mold damage is generally caused by previous water damage that was not adequately repaired. Therefore, when insurers see a previous water damage claim, they are apt to not decline coverage or cancel your policy within the first 60 days grace period for the insurer — even though the claims happened before you owned the homes for sale.
Water damage is only one of many damage claims insurers look for when underwriting your potential homes for sale. They will evaluate all of the homes for sale claims history to determine if the potential homes for sale is a disaster just waiting to happen.
Since current homeowners have a motive to present their homes for sale as perfect, it will not do much good to directly ask them about previous claims. Also, they may not know the history of the homes for sale before they purchased it. Unfortunately, only a homeowner may order a report from CLUE, called the Home Seller's Disclosure Report. An insurer will not order information from CLUE until you sign an insurance contract and it goes into underwriting, which you cannot do until you have signed a purchase contract for the homes for sale. You can, however, have your Realtor put a contingency clause in any homes for sale offer you make that stipulates the sale may be canceled if a negative CLUE report is received.
If you are a seller of a homes for sale, getting a CLUE report before putting the property on the market is a good idea. As in any report, errors can be made (just think about all of the errors people find in their credit reports). Ordering a report early means you can catch any errors and get them corrected. A CLUE report can be ordered from http://ChoiceTrust.com, which also tells you how to correct report errors. Also, locate all of the receipts for repairs from all insurance claims you made, proving to the buyer's insurer that the problems no longer exist. For previous claims such as water damage, you may even pay for a pre-inspection to ensure the problem was adequately repaired and no future claim will result.
Finally, buyers should begin shopping for homeowners insurance immediately after signing the purchase contract. Not only is it required to be in place at closing by homes for sale lenders, but also there always is the chance you may be rejected by the first chosen insurer and will need time to find another insurer.
So, discuss with your Realtor a contingency clause in any offer you make for a homes for sale before he/she begins showing you homes, and plan to begin looking for an insurer immediately after signing the purchase contract.
Click here for more information on San Diego homes for sale.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com
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Article Title: Five Factors To Consider Before Investing In Residential Real Estate
Author: J Harris
Word Count: 960
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During the past decade, many people have jumped into residential real estate investing. This was never so true as during the recent real estate boom. People read all the "get rich quick" schemes that litter the book shelves of libraries and book stores — use other people's money, use no money of your own, and make millions! A lot of people did make great sums of money during the most recent boom; but now those, who did not get out before the market cooled, are seeing those investments in foreclosure due to their inability to make the mortgage payments.
Just because the real estate market isn't over the top, as in the past few years, does not mean you no longer can make money in residential real estate. The difference between now (post-boom) and during the market boom is that the "get rich quick" schemes will not work.
Do You Have What It Takes?
Investing in real estate is not for the faint hearted, the non-risk takers. It is for investors who are in it for the long haul, who can easily sit on their investment (if need be) until the market shifts in their favor. It also is for those who truly enjoy this type of investment. They are the ones who are the most successful in real estate investing.
You must be willing to invest time — upfront and before each potential investment. If you do not take the time to research the properties and your target market, you probably will not be very successful. You also must gather knowledge on how to make a real estate deal that works in your favor. That requires educating yourself to understand the jargon and game rules. Today, it takes a careful, methodical approach to residential real estate investing, especially when acquiring your first property.
Besides needing time and money, being a risk taker, and being willing to commit to a long-term investment, if needed, there are five additional factors you must consider each time before you make an investment in residential real estate.
Supply and Demand — Where Is the Current Market?
The economics of supply and demand is what makes the long-term investors successful in residential real estate. They are willing to weather the ups and downs of the real estate market, waiting for an advantageous market to sell their property.
Supply and demand is influenced by many economic factors, which in turn affects the residential real estate market. Well-located residential real estate will endure fluctuations in the market and continue to appreciate in value. Knowing your market means knowing when to buy or not to buy, which deals will work when, and when to sit on an investment or sell it.
Your Creativity
Another factor to consider is your own creativity in managing your investments. Residential real estate is one type of investment that allows for a lot of creativity:
• You may invest for the long term, renting the property to continue making a profit while waiting to sell at a more advantageous time. You can purchase a home to fix up and resell immediately for a profit.
• There are many financing options available for residential real estate, allowing for even more creativity. You also can invest on your own, with a group of partners, with a corporation, or even with a Real Estate Investment Trust (REIT — a mutual fund with real property assets or mortgage securities).
• There is an abundant variety of residential real estate types in which to invest — single-family homes, townhouses, condominiums, and duplexes.
The more creative you are in creating and managing your real estate investments, the more profitable and successful you will be.
Other People's Money
A third factor is knowing how you can use other people's money to your advantage without landing in foreclosure, as so many people now are who subscribed to the "get rich quick" schemes during the boom.
You can begin with only a few thousand dollars, using other people's money to underwrite the remaining mortgage. You must know all the different ways available to finance your investment. This goes back to taking the time to educate yourself, before you begin investing, and creatively making the best use of financing.
Other People's Time
Whether you are fixing up real estate to sell or renting it, it will take time, effort and management. If you already have a full-time job and a family, you probably cannot do it all yourself, and I doubt you wish to be woke up at 2 am by a renter with a plugged toilet.
Using contractors to fix up the property or experienced property managers to handle your rental real estate makes for less profit in your pocket on your individual investment properties. However, it frees up your time to invest in more properties, making your overall profits much higher.
Your Tax Advantage
Residential real estate investing is quite unique. It offers you tax write-offs not available in other types of investments. There are many deductions available to you — deducting the mortgage interest or refinancing without being taxed are just two examples. There are many benefits to real estate investing that reduce your tax liability and increase your profits.
If you believe residential real estate investing is for you, begin by learning more about it. There are thousands of books and resources on the topic. Stay away from anything that sounds too good to be true. It probably is, especially in today's real estate market.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/
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Article Title: The Real Estate Market May Soon Take An Upturn With Homes For Sale Inventories Back To Normal Levels By Midyear
Author: J Harris
Word Count: 428
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According to the February 19, 2007, issue of BusinessWeek, the homes for sale market has not crashed and is forecasting normal inventory levels for homes for sale by midyear.
We have gone through quite a lot of up and down forecasts over the past few years. For several years, forecasters were predicting the burst of the real estate market bubble, as it continued to grow by leaps and bounds. They said it would burst and insinuated that every real estate investor, as well as buyers and sellers of homes for sale would lose their shirts.
While prices have deflated in most areas in the past couple of years, thee was never the doom and gloom "burst". There are many investors of residential homes for sale, who now find themselves in foreclosure, will probably lose a lot of money, and will suffer a less-than-favorable credit rating because of it. Many of these investors of homes for sale used the "no money down" and/or "get rich quick" financing schemes. For these unfortunate investors, that is the risk they took by investing in residential real estate. There also are some current sellers, however, who must sell their homes for reasons other than the deflating market. They may be forced to take a lot less money for their homes for sale than they originally planned. They are the real victims of the market bubble, but it is getting better — much sooner than anyone expected.
Currently, many existing San Diego homes for sale are priced about the same as last year at this time, which were at 2003 price levels. Construction has fallen sharply with builders trying to sell their current homes for sale inventories before building more. BusinessWeek's Peter Coy, however, is predicting that the homes for sale inventories may be back to normal levels by midyear. He based his projections on the continued low interest rates for homes for sale and income growth.
Current fixed-rate, 30-year mortgages have interest rates no higher than in June 2004. They averaged 6.2 percent during the last quarter of 2006, which is well below the average ten years ago.
Homes for sale in most areas remain affordable, according to the National Association of Realtors. Even with the rising prices during the bubble of more than 50 percent in the past five years, the association shows an affordability index for homes for sale of over 100. That means that income growth has kept up with rising prices, allowing a median income family to be able to afford a median-priced homes for sale.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/
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- "J Harris" <submissions@isnare.net> Mar 29 07:50PM +0800
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Article Title: Realtor Certifications — Should Your Realtor Have One?
Author: J Harris
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In real estate display ads, you will see many realtors with initials listed behind their names. These are realtor designations, representing the certifications held by the realtors. Here are just a few realtor designations:
• ABR — The abbreviation stands for Accredited Buyer Representative. This certification means the realtor specializes in representing buyers.
• ALC — The Accredited Land Consultant specializes in land brokerage transactions.
• CIPS — The Certified International Property Specialist will have more knowledge of the international real estate market.
• CRB — The Certified Real Estate Broker has specialized knowledge in brokerage and real estate business management.
• CRE — These realtors hold a Counselor of Real Estate certification that is by invitation only. They give seasoned advice on real estate and land-related matters.
• CRS — The Council of Residential Specialist certification means the realtor concentrates on the buying and selling of residential homes.
• GRI — The realtor with a Graduate Realtors Institute certification has attained what the industry considers to be the highest professional standing for a residential realtor.
• SRES — The Seniors Real Estate Specialist has specialized knowledge for working with seniors, who probably have not sold a home for many years. This realtor is able to properly explain new terms, laws, procedures and financing to seniors, as well as help them to more fully understand their seller and buyer rights.
Why Get Designations?
Realtors who have these designations have studied specific areas of real estate in order to gain advanced knowledge within these areas. Qualifying for these designations takes a lot of classroom time, testing and learning extensive practical knowledge. Some designations require up to six-to-eight months of regular classroom study. In addition to giving the realtor more knowledge, such study also increases the realtors' professionalism.
Realtors have found these designations quite valuable; since the more knowledge they have, the more confidence their clients have in their skills and ability. Such certifications are especially valuable for new realtors, increasing their knowledge faster than with on-hands experience.
All realtors are required by their state to have a certain level of knowledge in order to be licensed. Additionally, realtors are required to take coursework every four years to maintain their license. Certification coursework is completely optional for realtors.
What Does This Mean to the Buyer or Seller?
That depends upon the individual realtor. I worked in the insurance industry for many years, where such designations are aggressively promoted and just as hard to obtain. I found the following concerning insurance agents and their designations that easily translates to realtors and their designations:
• For many, the coursework improved their knowledge and ability to sell,
• The designations attracted more clients,
• Many of our firm's top insurance agents held designations,
• Many of the top agents held no designations, and
• One of the most successful agents the firm ever had held no designations, continuously topped everyone in sales each year, and was so successful that he had his own private secretary, who screened all his calls, because he was so busy with clients who just seemed to gravitate toward him.
My point is this — A designation indicates that the realtors have completed some extensive study on their own time. It means they should be well versed in that particular area of real estate. It does not mean that they are more knowledgeable than a realtor without the designation, because the latter may have learned much more through actual experience than the person holding the designation.
So, when looking to hire a realtor, keep a good perspective on designations. Opt to do a good interview with the realtor, rather than simply accepting he/she is the best because of a designation.
About The Author: John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit http://www.twtrealestate.com/
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