Home Buying/Selling Sitemap - Page 2 2016-09-26

How to Do a Lease Option or a Lease Purchase Sale
Difference between lease options and lease purchase sales. Benefits and drawbacks for lease options. Why lease options can be bad for a home buyer.

Exterior Siding Types For Homes - Benefits
Overview of types of home siding. Benefits to replacing exterior siding. How home siding affects resale value of homes.

Working With a Real Estate Agent - Overview
How to work with a real estate agent: finding the right one, understanding how they operate and who pays them; how to fire them.

Tips on How to Choose a Listing Agent
Criteria to use to hire a listing agent. How to find the best listing agent. Listing your home for top dollar. Getting the best service from a listing agent. How to weed out the bad listing agents from the good agents.

Is Your Real Estate Agent Experienced Enough?
Why working with experienced real estate agents might be more beneficial for sellers and buyers. How to find out if your agent is experienced. Why many agents leave the business before license renewal. Should you hire a relative to represent you in a real estate transaction?

Designations for Realtors and Real Estate Agents
Explanation of real estate designations. What do those initials after an agent's name mean? Definition of agent designation acronyms.

Gifts to Give Your Realtor After Closing
Here are gift suggestions and ideas for your Realtor after closing. How the best gift most preferred by real estate agents doesn't cost you anything.

Buy, Fix, Sell: Part 2 of 5 - How to Buy, Fix-Up and Sell Your Home - Remodeling and Selling for Profit
How to buy, fix-up and sell a Dutch Colonial, strip wallpaper, remove texture from walls, install drop ceiling, strip paint from wood and refinish wood, refinish maple floors, build storage cabinet in hallway nook

Pooling and Servicing Agreement - What Is a PSA?
A pooling and servicing agreement is created to securitize mortgage loans. See why a PSA is important in foreclosure and loan modification requests.

For Sale By Owner - Negotiation Tips for FSBOs
How to handle negotiation as a for sale by owner, write counter offers, provide seller disclosures, get through a home inspection and close your For-Sale-By-Owner deal.

Home Staging by Barb Schwarz
Personal interview with Barb Schwarz, co-author of Home Staging: The Winning Way to Sell Your House for More Money, and review of her book.

Canceled Debt Taxes for a Short Sale
How some short sale sellers can end up paying taxes on canceled debt. Plain-language advice for owners doing a short sale who need relief from taxes.

Property Deeds: Warranty, Grant, Quitclaim
Easy to understand explanation of real property deeds that are used to transfer title. Examples of title documents such as warranty deeds, grant deeds and quitclaim deeds. What makes title transfer valid? Do the documents need to be notarized? Legal instruments used to transfer title to real estate.

Can We Buy a New House and Short Sale Our Old Home?
Is it legal to buy a new second home and then do a short sale of your existing or first home? How to buy a new home when you need to short sale your old home.

Deposit Receipt Definition and Examples for Real Estate
Definition and examples of a deposit receipt as it pertains to real estate and buying a home. Where you get a deposit receipt and who needs a copy.

What Does Due on Sale Mean?
Definition of due on sale clauses. What does due on sale mean? Explanation of why due on sale clauses are found in mortgages and trust deeds.

Do First-Time Home Buyers Need an Agent?
Tips for buying your first home and whether you should hire your own agent, buy a home without an agent or let the seller's agent represent you.

Definition and Examples of Documentary Transfer Tax?
Definition of documentary transfer tax, explanation of California transfer taxes. How to tell the sales price by the taxes noted on the recorded deed.

Real Principal Reduction Program for Mortgages
How to determine if a principal reduction company is legitimate. Warning signs that the principal reduction program is a scam.

Top Myths About Real Estate Agents Debunked
You've heard the bad and good, but what is really going on? Here's the straight scoop about why real estate agents are sometimes bad-mouthed.

Differences Between Real Estate Agents and Realtors
The differences between real estate agents and REALTORS. What sets real estate agents apart from REALTORS.

When and How to Say Goodbye to Your Real Estate Agent
How to fire your real estate agent. Sure-fire signs that it's time to say goodbye.

How to Avoid a VA Loan Foreclosure
Ways the VA will help borrowers to avoid foreclosure. Available options to stop a VA foreclosure.

Can I Bypass a Listing Agent to Call a House Seller?
Can a home buyer bypass the listing agent and call a seller directly? What if the buyer has her own agent, can the buyer still contact the seller?

What Is the Definition of a Purchase Money Loan?
Definition of purchase money loan. What makes a purchase money loan different from a hard money loan? How borrowers leverage the power of financing.

Why Fiduciary is Crucial to Home Buying and Selling
Definition of fiduciary. What is a fiduciary relationship?

Legal Description - Definition of Real Estate Terms
Explanation of a legal description, and why a legal description is necessary to describe a property or piece of real estate.

What Is Prepaid Interest? - Definition and Explanation
What is prepaid interest? Definition and explanation of the phrase prepaid interest; how to calculate interest for a mortgage prior to home closing.

Switching Agents - How to Change Real Estate Agents
How to change real estate agents and switch to an agent you like better. Do you have to tell your first agent why you changed agents?

Deed in Lieu of Foreclosure
Definition of a deed in lieu of foreclosure. Is a deed in lieu of foreclosure better than a short sale? Reasons a bank might accept a deed in lieu of foreclosure. Tax and legal consequences of a deed in lieu.

Buying a Bank-Owned vs. Regularly Listed Home
Know the difference between buying a bank-owned home versus a home from a traditional seller. In some cases, buying a seller-owned home is easier.

Ways to Find a Cheap Foreclosed Home
You want a cheap foreclosure at a bargain price, but banks want to sell for as much as possible. Here's how to find the best deals.

Why Did the Foreclosure We Tried to Buy Sell for Less?
How a buyer can try to buy a foreclosure home, get a rejected offer and then find out the home sold for less to a buyer with a lower offer. Why trying to buy a foreclosure home can seem to be both a fair and unfair process to buyers.

How Much Real Estate Agents Earn a Year
Real estate agent potential income and the average amount of money real estate agents earn. Sneak peek at how much Rock Star Realtors can earn a year.

Full-Service Real Estate Brokers and Agents
What do full service real estate brokers and agents do to earn all that money? Is it deserved?

How to Negotiate Real Estate Commissions
How are real estate commissions negotiated? What's fair? What's open for debate and discussion? Why should you negotiate?

Procuring Cause and Commission Disputes
Definition of procuring cause and how Realtor associations handle the complaints and charges. How to work effectively with real estate agents so commission disputes among them do not erupt.

Room Addition - Home Buying Tips
Before doing a room addition, do your homework. Types of room additions that are easy to do and increase the value of your home. Things to know about doing a room addition before you get in over your head.

Home Sales Prices vs Interest Rates
Which is more important when buying a house -- interest rates or sales prices? Should I wait for interest rates to go down if sales prices are going up?

Seller Credits to Buyer Are Not Always a Credit
Why are seller-paid closing costs shown as a credit to the buyer at closing? How these credits are not necessarily a credit to the buyer.

Top Five Problems With Financing a Short Sale
What makes financing a short sale purchase unique? Plenty. Here are some tips for financing a short sale and closing before the approval letter expires.

Lose Equity - Lose Equity in House
How do you lose equity in a house? How much equity can you lose before your house goes to foreclosure?

Reasons to Offer the List Price When Buying a Home
When is it better to negotiate a purchase offer? How to know when you should give the seller the price the seller is asking.

Hiring a Referral Agent - Fees & What to Expect
A behind-the-scenes look at what happens when an agent refers another real estate agent in exchange for a referral fee.

Why Do Banks Demand Preapproval Letters? - Short Sales
When the seller is a bank, can the seller demand that the buyer get a preapproval letter from that bank? How REO lenders and short sale banks can make some borrowers get a preapproval letter from them as a condition to buy the home. About preapproval letters for bank-owned homes and short sales.

DU - Desktop Underwriter
Definition of DU, desktop underwriter. Explanation of how a DU helps to define a borrower's qualifications to get a loan to buy a home, types of

short sale question, short sale question for buyers agents
The most important question to ask a short sale buyer's agent. How to question the buyer's agent to qualify the short sale buyer.

What it Means to Interfere With An Agent's Client
Interfering in another agent's transaction. Reasons a listing agent might refuse to show buyers a home. The two questions a listing agent will ask.

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Land Park Homes in Sacramento - Real Estate in Land Park - Land Park Real Estate Agents
Unique homes in Land Park, Sacramento. Architecturally delightful homes from the 1900s through the 1940s. Land Park is located within a dozen blocks of downtown / Midtown Sacramento. It's a wonderfully diverse neighborhood surrounding William Land Park, filled with character and inspirational designs, and these Land Park homes are indicative of the magic that lies in store at your fingertips online.

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Homes in Portland, Oregon - Homes in Nob Hill neighborhood of Portland, Oregon
Photo gallery of homes in the Nob Hill neighborhood of Portland, Oregon. Come take a photo journey along NW Hoyt Street, NW Irving Street and NW Johnson Street to view fabulous homes ranging from bungalows, Craftsmans, Victorians, Queen Annes and even brand new homes.

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East Sacramento Homes
Photo gallery of unique homes in East Sacramento, from high-end price ranges of homes in McKinley Park to the Fabulous 40s, home of Ronald Reagan.

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Buy, Fix, Sell: Part 5 of 5 - How to Buy, Fix-Up and Sell Your Home - Remodeling and Selling for Profit
First-hand account of how I personally built a garage, designed and installed a kitchen island with dishwasher, replaced my basement stairs and built two outdoor decks: attached and floating.

How Can We Have a Smooth Short Sale Closing?
Secrets for closing a short sale. How to ensure your short sale closing happens without a glitch or delay.

Words You Never Want to Hear Your Agent Say
Things you never want to hear your real estate agent say to you. How to tell if you've hired a bad real estate agent.

Reasons to Hire a Real Estate Agent
Why hire a real estate agent when you can do the job yourself? Here are 10 good reasons to hire a buyer's agent or a seller's agent that you might have overlooked and not considered.

How to Find a Real Estate Agent - Guide
How to find a great real estate agent. How do you find a qualified and knowledgeable real estate agent? Here are excellent suggestions.

Ten Rules for Buyers Working With Real Estate Agents
You and your real estate agent can have a successful relationship and smoothly navigate the process of buying a home if you both follow a few rules.

Tips for Writing Real Estate Purchase Offers
Guide to writing offers to purchase real estate. Prevent offer rejection by following these expert tips for writing purchase offers.

Do Banks Make More on Foreclosures or Short Sales?
Which is more profitable for a bank: foreclosures or short sales? Do banks make more money on foreclosures over short sales?

Will Banks Issue an Extension on a Short Sale?
The single biggest reason a bank might approve a short sale extension is because the bank probably prefers to do the short sale over the foreclosure.

What Are Comparable Sales For Buying or Selling a Home?
Tips for how to find comparable sales, what they are, and the importance of knowing them before buying or selling a home.

Tips to Home Selling in Winter
Top tips to selling your home in the winter. Why is selling in this season different? How to make your home shine and sparkle in dreary and cold months.

Using Free Online Mortgage Calculators
Loan payment calculators are only one type of mortgage calculators that are available online. There are thousands of free calculators that will perform just about any real estate related calculation you might encounter.

Choosing the Best Place to Live for Your Lifestyle
Choose the best place to live from top online publisher lists. If you could live anywhere in the United States, which place would you choose?

Bank of America Short Sale
How to get a short sale approved by Bank of America. Tips for navigating Equator.com to process Bank of America short sales.

Writing Off Home Losses on a Personal Residence
How to write off a home loss on your personal residence by turning it into a rental. IRS guidelines and expert tax advice about deducting home losses from your tax return.

How to Get a Mortgage From Mortgage Brokers
All about lending institutions that make real estate loans. The differences among mortgage lenders such as mortgage brokers, mortgage bankers, banks, savings and loans and credit unions.

HARP Refinance or Short Sale
How to determine whether to do a HARP Refinance or try to do a short sale; which option is better for an owner with an underwater home.

How to Communicate With Your Real Estate Agent
Types of acceptable ways to communicate with your real estate agent; how to handle agents who don't return phone calls or answer their phone.

Should Home Buyers Sign Multiple Purchase Offers?
Should a buyer make multiple purchase offers on more than one home in a seller's market? How multiple purchase offers could land buyers in hot water.

Sewer Inspections for Older Homes
How to do a sewer inspection as part of the home buying process during the home inspection phase. Reasons to inspect sewers; how to handle problems.

Rejected Offers - Reasons Behind Them
Why was your offer rejected? What did your agent do wrong? What did you do wrong? Smart tips for getting your purchase offer accepted over others.

When Should a Borrower Lock a Loan?
What you need to know about a loan lock. The best time to lock rates. Should borrowers float the rate while shopping for a home? What if rates drop?

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Mendocino Homes Photo Gallery
Photo gallery of Mendocino homes, a delightful mix of architectural elements found in Mendocino homes along the coast of northern California.

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Relocating and Buying in a New Area
Relocation and buying a home in a new area. When relocating to a new neighborhood or city, it is smart to buy a home right away?

Tips for Winning Over Spring-Time Home Buyers
Things you can do to improve the odds that your home will stand out among the sea of new listings flooding the spring-time real estate market:

Tips on Renting Out Your House
Smart tips for renting out your house and how to easily turn your home into a rental. Pros and cons to handling your own rentals.

Learn Why Many Short Sales Fail
What can go wrong? What can make a short sale fail? Many of the problems in a short sale occur near the approval stage.

Important Steps in the Home Selling Process
Learn the simple steps sellers take to sell their homes, from listing to closing, in easy-to-understand terms.

Getting an FHA Streamlined 203K Loan for Home Repair
How to get the right home loan when buying a fixer-upper -- apply for a Streamline 203K loan to fix up a house you are planning on buying.

How to Do a Wells Fargo Short Sale
What to expect from a Wells Fargo short sale. How to navigate the various types of short sales when Wells Fargo is the primary lender.

Top Reasons Why Home Owners Sell and Move
These are the top reasons that homeowners sell and move. Need a reason to buy your second or next home? You'll find one in this list.

What is an Equator Short Sale?
How to use the Equator short sale platform system, and advice on making the process fast and easy.

Short Sale Offer Price - Offer Less Than List Price
How much should you offer to buy a short sale? If the list price of a short sale the amount the bank will take? How much under list price can you offer for a short sale?

Advertising Words to Use for Home Selling
Find out the top words used to advertise homes. If you want to sell your home, choose advertising words that make homebuyers want to see it.

How to Not Lose Money When Selling a Home
Find out how to save money when selling a home, and how to get the most bang for your buck before putting your home on the market.

Definition of the 3 Types of a Short Sale
The 3 basic types of a short sale, and how you can determine what type of short sale you may encounter. Not all types of short sales are processed in an identical manner. Some short sale types are easier to get approved.

Things That Can Go Wrong After Selling Your Home
The top 5 things that can go wrong after selling a home, after the seller and buyer sign a purchase contract. How to be prepared to handle obstacles.

Should You Use an Escalation Clause
How the benefits of an escalation clause in a purchase offer might benefit home buyers more than a home seller.

Predatory Lenders - How to Recognize Predatory Lenders
How to figure out if you're dealing with a shady mortgage lender. Don't be taken advantage of or for a ride. Know the signs of predatory lenders and avoid them.

Why Do Pending Home Sales Fall Through?
Why do pending home sales go bad? What makes pending sales fall out of escrow? Here are reasons why pending sales go back on the market. Advice on how to keep a home sale from falling apart.

How to Buy a Model Home From a Builder
How to buy a model home from a builder and get the best deal. Negotiation tips for buying a model home. How to negotiate home builder incentives.

What Is a Short Sale Addendum?
Explanation of a short sale addendum used in connection with a purchase contract. The components of this crucial document, and how it affects a buyer.

Home Buying in a Down Market
When real estate prices begin to dip, buyers wonder if they should wait to buy a home in a down market. Is it a smart strategy? What are the pitfalls?

Tips for Selling Your Home Over the Holidays
Tips for selling your home over the holiday season. The pros and cons to selling during the holidays and how to ensure a sale in the coldest market.

How to Figure Mortgage Interest on Your Home Loan
How to figure mortgage interest on your home loan the easy way. Tips for remembering how to compute simple or compounded interest in basic steps.

What Is a Short Sale Property?
What is a short sale? Explanation of a short sale. Why not every short sale on the market is an actual short sale. What constitutes a real short sale?

Tips to Price a Short Sale Accurately
How to figure out how much your short sale home is worth on the market. Pricing your short sale home to sell and at a price acceptable to your lender.

Benefits of Reverse Mortgages for Seniors
Would you tell your parents to get a reverse mortgage? Why this type of loan has such a bad reputation, an insider look at types of mortgages offered.

Reasons Banks Reject Short Sale Offers
Here are some reasons why a bank might routinely reject a short sale, and how to pretty much guarantee your short sale won't get rejected.

We Pay Cash for Houses: Are These Ads for Real?
The truth about cash for homes schemes and how much companies pay when you see those signs that read: We buy houses for cash. Is it a ripoff?

The Worst Mistake When Selling a Home
Don't make this home selling mistake. Pricing real estate is part art and part science. The one thing you do NOT want to do is make this bad mistake.

Tips on How to Show Your Home to Buyers
Here are some home showing tips to guide you through to a sale, from the moment potential buyers arrive at your front door till they leave satisfied.

Finding Home Selling Sites Online
How to post a home for sale on a home selling site. Web sites where you can post free home listings. How to make a free digital flyers and brochures.

Should Buyers Sign Exclusive Agreements With an Agent?
Do your homework before you sign an exclusive buyer's agreement with an agent, and negotiate terms that are best for you.

Real Estate Lowball Offer Mistakes
An outline of top mistakes home buyers make when writing a lowball offer. This article also gives insight into why sellers reject this type of offer.

When is the Best Day to List a Home For Sale?
Which day of the week is the best day to list your home for sale, go on the market, and give you the greatest exposure to the largest number of buyers?

Remodel Kitchen Painting
Step-by-step instructions on how to remodel a kitchen, from tearing out a kitchen, to hanging drywall, replacing electrical and plumbing, to installing new kitchen cabinets and appliances. Complete A to Z kitchen remodeling project.

Remodel Kitchen Counters
Step-by-step instructions on how to remodel a kitchen, from tearing out a kitchen, to hanging drywall, replacing electrical and plumbing, to installing new kitchen cabinets and appliances. Complete A to Z kitchen remodeling project.

Kitchen Remodel Backsplash
Step-by-step instructions on how to remodel a kitchen, from tearing out a kitchen, to hanging drywall, replacing electrical and plumbing, to installing new kitchen cabinets and appliances. Complete A to Z kitchen remodeling project.

What Happens in a Short Sale When You Have Two Loans?
Doing short sales when two loans are secured to the property. How to handle dual short sale mortgage loans. Negotiating with first- and second-position lenders for short sales.

Can You Profit by Buying a Preforeclosure Home?
How to buy a preforeclosure home and where to find them, the differences between a preforeclosure versus a home that has already been foreclosed upon.

Contingent Contracts for Selling Buyer's Home
What happens if your home doesn't sell? Learn how to write a purchase contract contingent on your home selling and protection clauses for both parties.

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verywell. Home Buying/Selling.

Dealing With Seller's Remorse - Prevention
Dealing with seller's remorse, when sellers have cold feet. How sellers can cancel after signing a listing agreement or sales contract. How to figure out if you don't really want to sell.

How a Land Contract Works for Buying Homes
Buying a home by obtaining seller financing via a Land Contract, which is sometimes called an Installment Sale Land Contract or Contract for Deed.

What Are Seller and Buyer Prorations?
Do you know what are seller and buyer prorations? Learn the real estate meaning of prorations and how to compute prorations on a closing statement.

One-Story vs a Two-Story Home: Which Is Better to Buy?
Pros and cons of buying a one-story home vs. a two-story home. Which is better to buy? Do two-story homes hold their value better over single levels?

Buying a Home That Was Remodeled Without a Permit
What happens if you remodel or make an addition to your home without pulling a house permit? Find out what kind of trouble a home owner can get into.

What Are House Fixtures in Real Estate
How to figure out what are house fixtures, which things are not fixtures. Five tests to determine if an item is a fixture and must stay at the house.

How Mortgage Loan Applications Result in Trigger Leads
Stopping trigger leads. How mortgage loan applications result in trigger leads. Preventing credit bureaus from exploiting your credit through trigger lead phone calls and direct mail solicitation.

Ten Ways to Increase Showings of Your Home
These ten tips will increase traffic to to get buyers to see / tour your home and help you stand out in the crowd of homes on the market.

Tips for Winning a Short Sale Offer
How to make a short sale offer. Tips for making a short sale offer that will encourage the seller to accept and the bank to issue short sale approval.

Negotiation Points in a Residential Purchase Agreement
Things to negotiate in a residential purchase agreement, who pays which fees, which fees are customary for each party, and significant time periods.

Disaster Home Losses
How to prepare in case disaster strikes your home. Which uninsured losses are eligible to write off your taxes? Protecting your assets against loss.

Counter Offer Mistake
Why expecting a counter to the offer can be a major counter offer mistake for a home buyer, especially when the listing is fairly new to the market.

Using Your Agent's Recommended Mortgage Lender
Reasons to get an edge from your agent's recommended mortgage lender when buying a home, and how to compare mortgage lender services apart from price.

Modular & Manufactured Homes
In some areas of the country, buyers, tired of being priced out of the market, are turning to modular and manufactured homes. What are they? How are they different from each other? Why would you buy one?

Offer Strategy When Buying a House That Needs Work
Tips for buying a house that needs work, types of houses for sale that need work. Strategies for structuring a purchase offer for buying fixer homes.

How to Sell a Home as a For Sale by Owner
Proven tips for marketing your home as a for sale by owner. How to make your home stand out from​ the crowd and to sell like a real estate agent.

How to Find a Home Inspector
Why it is necessary to hire a home inspector to conduct a home inspection when buying a home and how to find a qualified home inspector.

Should You Send Your Listing to Other Agents?
When you list your home, is it a good idea to send your listing to all the agents you know? How to market your home to other agents who might have buyers.

How to Determine If an Online Home Listing Is Real
Looking at homes for sale on the Internet. How to tell if the homes are really for sale. The homes could be preforeclosures or sold or not for sale at all.

Short Sale Myths
Popular myths about short sales. Top 5 misconceptions about a short sale. Why agents, sellers and buyers don't understand how a short sale works and believe the myths they hear.

What Is the Short Sale Procedure?
What is the short sale procedure? Is it better to first ask the bank for a short sale or should you send an offer for the short sale to the bank and then ask? The standard short sale procedure explained.

Are You Ready to Be a Home Buyer?
How to tell if you're ready to be a home buyer and buy a home, plus signs that you're not prepared to be a buyer.

Creative Real Estate Financing
Creative financing in real estate has changed since the 1970s, the scoop on owner financing laws such as Dodd-Frank; buying a home with bad credit.

Why Hire Another Agent When Your Agent is Doing the Job?
Valid reasons to fire a real estate agent for non-performance and discussion of reasons to retain your existing listing agent.

Solutions for Common Types of Short Sale Problems
Types of problems that can crop up in a short sale and cause a short sale to be rejected. How to prevent short sale problems. Dealing with short sale problems that stop a short sale from closing.

Can a Seller Keep a Buyer's Deposit on a House?
Whether the seller is entitled to keep the buyer's earnest money deposit if a buyer unreasonably tries to cancel the contract and why in some cases the seller might want to give it back regardless.

Discounting Seller Carry-Back Mortgages
Selling a purchase-money carry-back mortgage to an investor. About seller carry-back mortgages, benefits to home seller to carry financing and how to sell the carry-back mortgage by discounting its face value.

7 Steps to Short Sale Success
Tips used by highly successful short sale agents to close that short sale. 7 unique tips for short success, tips that are guaranteed to help you to close that short sale with the first buyer.

How to Refinance a Home Loan
Tips to consider before doing a mortgage loan refinance and the drawbacks to refinancing that a lender won't tell you.

First Time Home Buyer Mistakes
Common first-time home buyer mistakes that your agent might not tell you about until you learn the hard way by making your own mistakes.

Best Home Showing Secret
The number one home showing secret that sellers don't know and their listing agents forget to do. If a seller does only one thing to show her home, this single home showing tip is the best yet is often overlooked.

Short Sale Charge Off
An explanation of a short sale charge off and why you might not want a short sale loan to go to charge off.

Home Selling Sellers Market
Success tips for selling a home in a seller's market when there are few homes for sale and many buyers; how to get multiple offers when home selling.

Tips for Buying a Home During Springtime
Tried and true tips for buying a home in the spring. Why spring time home buying is a popular time to buy and tips for beating the competition. Why multiple offers are a bone of contention with spring-time home buyers.

Impound Account Shortages
Are impound accounts beneficial to home buyers? What is an impound account? Is it the same thing as an escrow account? What happens when taxes and insurances go up? How do you handle impound account shortages?

5 Things to Do Before Moving Out of Your House
Five essential tips for home sellers of things to do before moving out of the house.

California Short Sale
How to do a California short sale and why a California short sale is different from a short sale in other states. Release of liability rules and deficiency judgments for California short sales.

The Poor Strategy of Pricing a Home Above Market Value
The logic and rationale behind picking a sales price to list your home and the range of excess pricing known as overpricing to avoid.

What to Know About Homeowner Associations
Smart condo buyers ask questions about the homeowner association before buying. Find out before you buy if the HOA is in financial trouble and learn how decipher all the HOA policies before signing an offer to purchase.

Short Sale Selling Mistakes
Top 7 mistakes made by short sale sellers, and why some short sales are doomed from the start.

Frequently Asked Questions About Short Sales
Frequently asked short sale questions, short sale FAQs, and the answers about short sales. Types of questions short sale sellers need to know the answers to. Top 10 most common questions about short sales.

Seller Etiquette for Showing a Home
How real estate agents view whether a seller should remain in the home during a home showing or whether the seller should leave.

Home Buying Without a Contingency to Sell an Existing Home
Risks and strategy for buying a home without a contingency to sell but still selling an existing home.

Short Sale or Foreclosure Effect on Credit Scores
Will a short sale ruin your credit rating? What is better: a short sale or a foreclosure? Length of time before a homeowner can buy another home after a short sale or foreclosure.

Short sale and credit reports
How lenders look at a short sale on a home owner's credit report. Definitions of derogatory credit. Lender underwriting guidelines for short sales and foreclosures. Page 2.

Mortgage Refinancing Tax Deductions
How mortgage refinancing can limit or reduce a homeowner's tax deductions. An explanation of the tax rules regarding interest deductions for mortgage refinancing.

Short Sale Profits
Who profits on a short sale? Do sellers benefit from selling homes on short sales? Who wins from short sales? Are short sales better than foreclosures for a seller?

Lockboxes or Listing Appointment
Home showings by appointment with listing agent versus showing a home with a lockbox. Benefits for home sellers who use a lockbox. Why do sellers prohibit lockboxes? Reasons why some homes do not require a lockbox.

Short Sale Declined
Tips for turning that short sale decline letter into a short sale approval letter. Things you can do to turn around a short sale if your short sale is declined. Options and alternatives after a bank rejects a short sale.

Deducting Loan Points From Your Taxes
What loan points are, how they work, how they may qualify as a tax deduction for home buyers, explained by a celebrity tax expert from New York.

What Is a Release of Liability for a Short Sale?
Explanation of a release of liability for a short sale. Why sellers who are doing a short sale should obtain a release of liability, and how to get a release of liability when the lender refuses to provide it.

Flipper House: What to Watch Out for Before You Buy
Definition of a real estate flipper and explanation of how flippers work, including drawbacks for home buyers who buy a flipper.

Should You Talk to a Lender First or a Real Estate Agent?
As your first steps to buying a home, should you get preapproved by a lender first or should you find a real estate agent to work with first, or does it even matter?

Present Short Sale Offer Directly to Bank
Can a buyer make an offer directly to the short sale bank? How a buyer of a short sale can talk to the seller's bank about making an offer. How to deal with stubborn short sale agents who won't present your offer to the bank.

What Are Home Equity Loans?
Junior loans and encumbrances secured to real property such as home equity loans, home equity lines of credit (HELOC) and bridge loans. The differences among the loans, advantages and drawbacks to such financing.

Is It Better to Be Buying or Renting a Home?
Not everybody should buy a home. Are you one of those individuals who should rent and not buy? Here are a few ways to tell.

Are Those Under Market Value Home Prices Real or Fake?
About homes priced under market value. Don't get fooled by home prices that are too low. How to figure out if a home's price is bogus or fake. Beware of false pricing.

Fannie Mae Guidelines for Short Sales
Fannie Mae requirements for short sales. How Fannie Mae servicing guidelines may affect whether sellers are approved for a short sale. Conflicts within Fannie Mae short sale guidelines.

Short Sale Seller's Possible Mortgage Fraud
How short sale sellers may be unwittingly committing mortgage fraud. Explanation of short sale mortgage fraud. Some second mortgage lenders demand seller contributions leading to mortgage fraud.

Signing Home Buying Documents
Types of legal real estate documents a home buyer signs at closing, and why it takes so long for signing home buying documents.

Will Short Sale Banks Pay for Repairs?
Do banks or sellers ever pay for repairs when selling a short sale? What it really means when a bank tells a buyer the short sale is sold in as is condition.

Questions to Ask a Short Sale Agent
Types of questions to ask a short sale listing agent before you buy that short sale. How to ask the important questions without ticking off the agent. How to evaluate the answers to know if it's worth your time to make that offer.

Making the Bank Accept a Short Sale
Ways to negotiate with the short sale bank. How to make the bank accept a short sale offer. Tips for negotiating a short sale offer.

What Is a Short Sale Third Party Authorization?
Explanation of the purpose of a third-party authorization in a short sale. Two main types of third party authorizations, and how to complete a third party authorization for a short sale.

Home Sellers Without Equity Pay to Sell
Why home sellers might pay to close. Bringing money to the table to close a real estate deal. How common is it that sellers have to kick in money to sell a home?

Is a 24-Hour Notice for Home Showing Reasonable?
Is a 24 hour notice appointment for home showing reasonable? Should buyers expect to give home sellers 24 hours notice before looking at a home?

How Many Short Sale Offers Can a Seller Accept?
How many short sale offers can a seller accept? Ways sellers can send a higher short sale offer to the bank after accepting an offer.

10 Tips for a First Time Home Seller
Incredible tips for the first-time home seller; how to avoid costly mistakes novices make that reduce profit potential and cause delayed closings.

Real Estate Blogs
Real Estate Blogs, popular blogs featuring national and local authors / experts. Also a directory of blogs.

Real Estate Glossary
Definitions of more than 100 real estate words, terms and phrases, arranged by alphabetized folders for easy searches.

How to Submit a Short Sale Package to the Bank
How to submit a short sale package to the bank that the bank is likely to accept. Types of documents to submit for short sale approval. Tips for assembling a short sale package for submission and approved methods for delivery.

Can I Short Sale an Investment Property?
Procedure for an investment property short sale. Tips for doing a short sale on a rental property. Drawbacks to short selling a non-owner occupied home.

Tax Breaks for Home Selling
Tax breaks for home selling. How the IRS treats profits above the exclusion guidelines. Must home sellers pay taxes on the sale of personal property?

Should a Home Be Occupied or Vacant When Home Selling?
Pros and cons for selling a home that is occupied vs a home that is vacant. Reasons might not have considered whether to stay or to go.

How To Sell A Defective Home (Bad Location, Damaged)
Advice on selling homes with incurable defects such as homes in the wrong location, with bad layouts, or with deferred maintenance.

Why Do a Short Sale When Selling a Home?
Get answers to all of your short sale questions such as: why do a short sale? What is the benefit to doing a short sale? Why are short sales so popular?

Will the Bank Approve My Short Sale?
How to know if the bank will approve a short sale. Here are the steps required to get short sale approval from the bank. Short cuts to short sale approval from the bank.

What Is a Short Sale Negotiator?
What is a short sale negotiator? Where do you find a short sale negotiator? What does a short sale negotiator do? How to tell if short sale negotiation if right for you.

Short Sale - When Should You Move Out?
The best time to start looking for a new home to rent while you are waiting for your short sale to close.

Why Real Estate Agents Take Overpriced Listings
Reasons why real estate agents write and accept overpriced listings. If a home is priced too high, it won't sell, so why would an agent take a listing that won't sell? Seems stupid. Well, the reasons will astonish you.

Do You Need a Lawyer to Do a Short Sale?
Can a real estate agent negotiate a short sale or should you hire a lawyer to deal with the short sale bank? The benefits of hiring a lawyer before asking a bank to grant your short sale.

The Short Sale HUD Approval Process
Why a bank approves a HUD for a short sale. Types of short sale fees a bank is likely to approve. How to increase the chances that your short sale HUD will get approved by the bank.

Things to Know About an FHA Short Sale
Tips for a completing an FHA short sale quickly and efficiently. Secrets for processing an FHA short sale as a seller or an agent, especially those unfamiliar with the HUD process.

Buying Your First Home - Tips and Mistakes to Avoid
The five essential steps to buying your first home. How to avoid mistakes when buying a home.

Repairs After a Home Inspection
Whether it's a good idea to try to force a seller to compensate a buyer for defects uncovered in a home inspection.

How to Handle a Short Sale Counter Offer
Anticipating, preparing and negotiating a short sale counter offer. Whether the bank issues a counter offer for the short sale or the seller counters the buyers' offer, tips for handling the short sale counter offer.

Title Insurance Policies - Overview
Title insurance policies as they pertain to real estate: owners and lenders title policies, terms of coverage, liability and protection. Title commitments and preliminary title reports prior to issuance of title insurance policies.

Buying a Home- How Flexible Is That Short Sale Price?
How you can tell if that short sale price is real. Explanation of why a bank will accept a certain price on a short sale and how to compute the short sale price just like a bank will do it.

How to Cancel a Listing Contract
How to Cancel a Listing Contract

Dangers of Using Listing Agents to See Homes
Reasons to not ask a listing agent to show you her listed home. Pitfalls to calling a listing agent for an appointment to see a home.

Short Sale Without Hardship - Strategic Short Sales
The strategic short sale without a hardship is possible under certain types of circumstances. How to do a no hardship short sale.

What to Do With My Upside Down House
Options for dealing with an upside down house. Smart alternatives to walking away from your upside down house.

What Happens After a Home Buyer's Offer is Accepted?
What happens after your purchase offer is accepted to buy a home. The types of things that can go wrong after offer acceptance.

Accepting a Full Price Offer
When is a home seller required to accept a full-price offer, and why would a home seller ever want to reject a full price offer? Negotiation tips.

Basics of Private Mortgage Insurance
The basics of private mortgage insurance. Why does a borrower need private mortgage insurance? What do these companies insure when you take out insurance on your mortgage and how much does it cost?

Reasons to Choose a Short Sale Over a Foreclosure
Reasons to choose a short sale instead of a foreclosure. Differences between short sales and foreclosures and why a short sale is often preferable to foreclosure.

How to Negotiate With Banks for a Short Sale
The biggest problem with short sale negotiations has little to do with the buyer's agent and everything to do with the listing agent.

When Is My House Sold?
When is your house sold? Is your house sold when you sign a contract? Is your house sold after a home inspection? Is your house sold after a buyer removes contingencies? At what point is your house considered to be sold?

Figuring Net Profit From Selling Your Home
After deducting all costs of home selling, how to figure out a seller's net profit. How much will you make after selling a home? Computing a home seller's net equity and proceeds of sale.

Six Things to Know Before You Buy a Short Sale House
How to figure out if buying that short sale house will work and is worth waiting for. Questions to ask the short sale listing agent, and how to research the home's history before writing a short sale offer.

Short Sales Are No Bargain for Buyers
Why buyers may pay more for a short sale. 11 drawbacks to buying short sales. The hype surrounding short sales and why buyers should use caution.

Tips for Buying a Home in Another State
How to buy a home out of state. Tops tips for home buying in another state.

Reasons for an Arm's-Length Affidavit in a Short Sale
Definition of an arm's-length affidavit; why a short sale seller can't sell to a relative or friend. Sample verbiage and other terms to negotiate.

Home Buying Subject to an Existing Loan
Buying a home subject to existing financing. The difference between a loan assumption and buying subject to an existing loan. Why buying subject to can be risky for a home buyer.

What Should Sellers Disclose to Home Buyers?
Homebuyers are entitled to seller disclosures and to hear all material facts. As a home seller, what do you need to disclose?

Pay Over List Price for a Home
Should you over pay for a home? When is it OK to offer a price that is higher than the amount the seller is asking for a home?

Average Short Sale Timeline - Home Buying Guide
Average timelime to close a short sale. How to remove potential delays from your short sale timeline.

Wet Basements & Home Buying (Signs, Causes & Solutions)
Should you buy a house with a wet basement? What types of problems are present in wet basements? Solutions to fixing wet basements. What causes spalling and efflorescence? How can you tell if water has leaked into a basement?

Ten Reasons to Not Buy a Home
10 reasons you might not want to buy a home. Why some people are not cut out to be home buyers. When renting makes more sense than buying a home. Pitfalls of home buyers.

How Much Can You Afford to Buy a Home?
How much home can first-time home buyers afford? Learn how to set realistic goals for home buying and tips for selecting that first home.

Two Offers on a Listing - Multiple Offers
How two offers on a listing can happen, even after the listing has expired. How to deal with multiple offers. Home buying when another buyer tries to buy the home you want.

How to Sell a House Where Pets Live
How to sell a house where pets live, especially to potential buyers who do not like pets. From overcoming objections to pets, to eliminating pet odors and stains, dealing with dirty cat boxes and barking dogs to get the sale. Advice on how to get top dollar for a home with pets in residence.

How Long Should a Listing Be When Selling Your Home?
For how long should you list your home for sale? What's the right amount of time to expect your home to sell? How long of a listing is too long? Is 30 days too short? When should your listing expire? How can you protect yourself when hiring a listing agent?

Types of Buyer's Broker Agreements and Contracts
Buyer's broker agreements, authorization to represent buyers, types of buyer listing agreements, terms, conditions and duration.

Open House Etiquette for Home Buyers
Etiquette and guidelines for attending open houses. What sellers and real estate agents expect from open house guests. How to make your open house visit productive by following open house do's and don'ts. How to find out if the listing agent is holding the open house.

The Fascinating Role a Deed of Trust Plays
Explanation of a deed of trust, states that record this instrument and the promissory note. Parties to a trust deed, and the big role of the trustee.

How to Cope with Home Buying Stress
How to avoid stress when buying a home. Tips for a stress-free home buying experience.

Mortgage Loan Types - Home Buying / Selling
Clear explanation of mortgage loan types. Differences among conventional, FHA and VA mortgage loan types, including exotic and old timey types of loans.

Exclusive Buyer Broker Agreement - Contract Elements
Exclusive buyer broker contract elements. Before signing a buyer broker agreement with a real estate agent, here are the four most important components of the contract.

How to Qualify for a Short Sale
Wondering if you qualify for a short sale? Not every home owner qualifies for a short sale. Here is how to figure out if you meet the requirements for qualifying for a short sale.

New Homes vs. Older Homes - Which One Should You Buy?
Tips for home buying new vs older homes. Differences between new homes and old homes. Should a first-time home buyer buy a newer home or older?

How to Sell Your Home Through a Land Contract
Tips for negotiating terms, protecting seller's rights and making your financing instrument saleable on the secondary market.

Should You Write an Offer Before Seeing a Home
Explore the pros and cons to writing an offer before seeing a home, and why buyers might be tempted to write offers first, sight unseen.

Federal Reserve Rate Cut Affect on Mortgages
Explore how Federal Reserve rate cuts affect mortgage rates, how mortgage rates are determined and why interest rates fluctuate.

How do Real Estate Flipper Schemes Work?
Learn how flipping schemes work. In many cases, qualified homebuyers can buy homes involved in past flipping schemes without worry.

How to Buy a Home with Good Resale Value
Read about why resale value is an important consideration before buying a home and what are the best indicators of a home with a good resale value.

Should You Use an Agent's Recommended Home Inspector?
Find out whether to trust your real estate agent to recommend a good home inspector. Learn to check your home inspector's credentials even when referred.

What Is a Short Sale Approval Letter
Find out how to tell if your short sale approval letter is missing important information. Learn how long it takes to get a short sale approval letter.

When an Agent Claims to Have Buyer for Your Home
When real estate agents say,

Up Your Price and Sell Fast When the Market Is Falling
Down markets aren't your friend when you're trying to sell your home, but here are some strategies for selling your home in a falling real estate market.

What Are Recurring and Non-Recurring Closing Costs?
Get the inside scoop on homebuyer recurring and non-recurring closing costs. Closing costs are the fees you pay in cash at the closing table.

Halfplex vs Duplex - Home Buying Advice
What is a halfplex? Differences between a halfplex and a duplex. How to establish market value for a halfplex when then are no recent sales nearby.

How to Get a Condo Loan (General Guidelines)
Rules for a condo loan. Not every condo unit is eligible for financing. How the loan types available for a condo vary. Where to get condo financing.

List of Home Amenities and Features for Home Buyers
List of home amenities and features to consider when buying a home. How to help your agent establish home search parameters to find you the perfect home to buy.

Real Estate Glossary C
Real Estate Glossary C contains words that start with the letter C

What Does an Approved Short Sale Mean?
Definition and explanation of approved short sale. What an approved short sale actually means when you see it listed that way.

What Is a Hardship Letter and How Do You Write One?
Whether you seek a short sale or a loan modification, the bank will request that you write a hardship letter. Tips for putting your hardship into words.

How Much Are Home Closing Costs?
Definition of closing costs, including recurring and non-recurring (prepaid) fees. Addresses seller credits to buyer for closing costs and explanation of lender's requirements for such credits.

Should We Write a Backup Offer to Buy a Home?
What is a backup offer? How to know if it's worthwhile to write a backup offer. Negotiating when sellers have accepted an offer on the home you want.

Types of Listing Agreements to Sell a Home
Types of real estate listing agreements: Exclusive Right-to-Sell, Exclusive Agency and Open listings. Length of time to list, how to exclude buyers from the agreement, whether you can cancel the listing.

How to Know You Found Right House to Buy
Here are 10 ways to know that you have found the right house. Take the stress and worry out of home buying by recognizing the signs that you should buy this house.

Buying New Home Construction From Builders
What rights do buyers have when purchasing new construction? Is it wise to use the builder's agent and lender? Tips for buying a new home from a builder.

Cleaning Out the House After a Relative Dies
How to clean out a house after a relative's death. Getting a house ready to sell after a loved one dies. Separating trash from treasures -- disposing of mom's belongings before selling.

When to Reduce the Price of Your Home
How to tell when you need to reduce the price of your house. Tips for reducing the price; alternative strategies that work to avoid price reductions.

Guide to Buying a Home Step-by-Step
Complete A to Z guide to buying a home. From figuring out what you need versus in a home to what you want, to finding an agent to help you with buying a home, cleaning up credit, finding a lender and locating that perfect home to all the final details of buying a home.

Alternatives When You Can't Sell Your House
What happens if your home doesn't sell? Here are alternatives to home selling when you can't sell your house.

Comparative Market Analysis (CMA) - Home Buying Terms
Definition of comparative market analysis (CMA) and how to interpret a CMA. Explanation of elements in a comparative market analysis. Understanding comparable sale numbers. Adjusting for variances between non-similar homes and the subject property.

How Long Do We Have for Home Offer Acceptance?
Length of time sellers can wait to accept a buyer's offer to purchase their home. Once a buyer makes an offer, is it good forever?

How to Cancel a Home Purchase Contract
How to cancel a purchase contract, listing agreement, buyer's broker agreement or real estate contract without a penalty or getting into trouble.

Getting a Home Loan With Bad Credit
How to buy a home with bad credit, even if you have filed bankruptcy or had a foreclosure. Why bad credit should not stop you from home buying.

Buying Discount Points to Lower Your Interest Rate
Discount points lower your mortgage interest rate. Sometimes, discount points cost more than the money they save.

Proof of Funds: What Is It? Why Do Sellers Demand It?
An explanation and examples of proof of funds. Why a seller's agent or seller will request proof of funds from a home buyer. Types of proof of funds.

Home Buying Questions to Ask Before Making an Offer
Get answers to the important questions about home buying, how much to offer, buyer credits, inspections, and more before writing a purchase offer.

Negotiating Real Estate Counter Offers
What are real estate counter offers and how many times can sellers and home buyers bicker back and forth? How are counter offers rejected or accepted?

When Is the Best Time of the Year to Buy a Home?
What time of year is the best time to buy a home, according to the experts? Under what conditions are sellers most likely to sign a low offer?

FHA Repair Requirements and Guidelines
Types of repairs that FHA will require to be fixed before closing and list of repairs that FHA does not require to be fixed.

Real Estate Firm Careers - Interviewing for a Position
Looking for a real estate career? Interviewing for a real estate position requires different techniques than those you use when applying for most jobs

How to Do a Short Sale on a Home
The fundamentals behind a short sale, why banks accept a short sale payoff, how to do short sales, and how a short sale affects sellers credit.

How to Protect Your Earnest Money Deposit
Learn how much of an earnest money deposit is required, why buyers submit good faith deposits with offers, and how a buyer can lose the deposit.

Tenants in Common for Real Estate Ownership
What it means to buy a home as Tenants in Common. Investment groups that sell TIC to a large number of buyers. Legal rights of tenants and possession.

What Is a Conventional Loan for Home Buyers?
What is a conventional loan? How are conventional loans different from government-sponsored entity loans such as VA or FHA?

Buying a Home With Owner Financing
Owner financing, using seller financing to buy a home. Types of owner financing and creative financing instruments.

Things You Need to Buy After Buying a Home
After you buy a home, many new home owners don't think about the hidden costs of home ownership or what they will need to buy after closing.

What Are Bridge Loans and How Do They Work?
Learn why a home buyer might consider a bridge loan when buying a home and selling a home to bridge the gap between the sales price and the new mortgage.

Active Short Sale Contingent - Definition
Learn the definition of active short sale contingent as it pertains to short sales. Understand what it means to see a contingent status on a listing.

Real Estate Agent Errors and Omissions Insurance (E&O)
Get the facts about errors and omissions insurance. Real estate agents buy E&O insurance in case of lawsuits filed by unhappy clients.

Mortgage Buy Downs Reduce Your Interest Rate
Details about mortgage buydowns, which allow home buyers to qualify for certain loans. Buying a lower interest rate can reduce your monthly payment.

How Downpayment Gift Assistance Programs Work
Down payment gift or grant assistance programs help homebuyers close on homes. Find out how gift programs work and how to qualify.