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William DeCook - Free CMA's's Advice
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William DeCook - Free CMA's wrote:
Dry basements this time of year in this part of the country ( upstate NewYork ) don't be fooled.
Dry basements do not necessarily mean no water is coming into the space, it just means that with the cold frigid temperatures we have had has made the frost line low and deep. So there is no means for surface water to seep through the basement walls. So beware, look for signs of white frosty clumps on foundation walls a good sign of seepage.
What to look for when buying or searching for a home!!
The cost of home ownership is very expensive as everyone knows, largest investment most of us will probably have in our lifetime. So based on my experience as a contractor of over 30 years and as a real estate agent, things you should look for that is obvious for the street especially in cold weather regions with snow is icicle buildup at the eaves. This is a sign of poor insulation, ventilation or both. Icicles can damage roofs by causing ice dams which in-turn will back water up the roof under the singles. In a proper ventilated roof system cold air goes in through soffits (under hang) below the gutter then across the bottom of the roof sheathing out through roof vents or ridge vents. If this are not present insulation in attic floor or ceiling can become soaked and ineffective and rot the roof from the inside out. So bottom line look for icicles, there are also dangerous over doors or steps.
I am selling a home and the appraisal came in higher than the negotiated price of the sale
If the appraisal was lower than agreed on the contract negotiations would commence. If the appraisal come in higher than agreed on price that's good because there will be no reason, other than inspections or disclosures, that the deal will not close. As far as asking for more as the seller, based on appraisal, sorry!!
can i get info on a pre-foreclosure?
Some pre-foreclosures are listed on MLS or For Sale By Owners websites.
Can I qualify for a mortgage with a 675 credit score.
You should be able to, any loan officer will examine your history to tell for sure what your possibilities are and for how much.Good luck!!
Please tell me again why a buyer agent is needed? It seems that it is more a problem then help.
Buyers agent represents the buyers interest and listing agents represent the sellers interest. If you use the same agent that also listed the property then it is called a dual agent and you forfeit some of your ability to negotiate the best possible price for the property and also any repairs that may need to be done after a home inspection.Fiduciary Duties Of A Real Estate AgentA real estate broker who becomes an agent of a seller or buyer is deemed to be a fiduciary. Other examples of fiduciaries are trustees, executors, and guardians.As a fiduciary, a real estate broker is held by law to owe specific duties to his/her principal (the person who they are representing), in addition to duties or obligations set forth in a listing agreement, buyer representation agreement, or other contract of employment. Subagents of the broker also owe the same fiduciary duties to the broker's principal. These specific fiduciary duties include:LoyaltyObedienceDisclosureConfidentialityReasonable Care and DiligenceAccountingGo to reputable real estate website for further information. Also you as a buyer do not pay for the services a buyers agents provide, those services or commissions are paid by the seller. Unless you hire a buyers agent to represent your interest in buying For Sale By Owner properties if the owner does not.
is rent to own a scam or is that really possible with home they show seems to good to be true?
There are homeowners that are willing to enter into a land contract (rent to own). The land contract are drawn up by attorneys and usually require a deposit of at least 10% of the value based on a amortization of 15 - 30 years payable monthly over 5 years with a balloon after 60 months. Interest and principle will be included in payments schedule. Taxes and insurance are separate. Good luck with your search.
Is it possible to borrow 100% of the house value
Sure can. There are programs available. VA and also USDA but there are restrictions that apply like with most loans. FHA requires 3.5% down. You can also request sellers concessions of up to 6% in some cases to help off set some of your closing costs. You need to research the area you want to live, not all programs apply. Good luck in your search, feel free to call I may be able to help find something that may work for your situation.
How long does it take for Zillow to post accurate pricing about new homes???????
Any agent that post their listings on Zillow or any third party sites should be responsible for posting accurate information. Some information is fed from the mls but it's still agent responsibility to keep it up to date. If it's sold or in pending that should be posted by the agent and changes made.
September 05 2013
does the advertised square footage of a home include the (non a/c) garage square footage?
In order for s/f to be included in living space there needs to be adequate egress ( united inches to square foot of floor space with at least 7'6" floor to ceiling in at least 50 % of usable space ). Garages are not usually included in living space. Check with local codes for required rules.
September 04 2013
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