Never too late! No harm in posting it online even on a Thursday. You should get foot traffic coming in, with mobile apps now being the trend, buyers just ping the area they are in to see if any open houses are taking place. Good Luck!!
If the seriousness of liability and the effort it takes to do due diligence to a client was not in play, I would have said..... HA! HA! Some agents do give 50% rebate (and you get a real resentful agent),but the real "work" is done by the professional you hire who looks after your interest/protects and makes sure your biggest asset is a good one without anything ever coming to bite you back months/years from now in the form of a legal snafu!! If it is was so simplistic,everybody would be buying and selling themselves. Good Luck!
Always get your own representation. I have worked with builders on new developments for my buyers in the Bay Area. They work for the builder and your agent works for you, period! As a rule they do not discount on the price, but if you have a smart/savvy agent he can negotiate credits for you in closing costs/fees. And get you upgrades thrown in for the house at no cost to you.They always have some room, but if you do not ask or know what to ask for, you do not get it!! Good Luck!
Commissions are not set in stone! They are negotiable and each agent offers different percentages. I would look to see what an agent says and does, by backing it up in writing. I offer more to the selling agent and less for myself, to motivate them and get the traffic in!! In the end we all do the same thing, only some do it better then others and some pretend to do it better!! You work with who you are comfortable with! Get in touch with me if you wish, I work the Fremont area (Ardenwood/Warm Springs and Mission SJ)
With what you have given you should be able to qualify. But qualifying is different from getting a good loan ( interest rate/costs etc). Try to get a good/honest loan agent from a major bank and ask him what you can qualify for, also find out how you can improve you scores. 720 FIICO and above is ideal!! Good Luck!
Monica,Yes, you will have problems and by that I mean, you will get a high interest rate, from a third rate lender!! I am presuming if you have so much money, then your credit did not go bad by not paying the bills? See how you can repair the credit first!? Then buy a house, otherwise you will pay through your nose!! Good Luck!
You ask for what "YOU" want and instruct your agent accordingly. Remember there will be some negotiating, that will go back and forth. You have to see what you are comfortable with giving up. I would also get a couple of roofers/contractors to give you an estimate, so you have a better idea of what it really costs!! Good Luck!
Where are you getting this valuation from? There can be multiple factors as to why one house is "valued" for more then the other, especially if it is on the market. The market dictates "Fair Market Value". Unless you are planning to sell, I would not worry about it. Or if you are planing to refinance, then let the appraiser come up with the right valuation!!
Your question is two fold. An agent does not have to be FHA approved, but would be nice for him to have knowledge of what it entails. A lender should be qualified to do an FHA loan, just as a condo HOA should be FHA approved. A qualified loan agent should be able to guide you through this process. The second part of your question, a HUD property. An agents broker should be approved by HUD to register on it.As I did, not difficult to do if your agent does not have his broker on it!! Hope this helps?!
Depends on the level of service rendered in the last two years?! And if you have a contract/agreement with them to manage your property? If no such thing exists or No to the questions, then you owe them nothing! I would do it for free and have done so to long standing clients. Good luck!