Buyers - mortgage worksheet

A mortgage worksheet for buyers

5 Additional things each Seller should know...

5 Additional things each Seller should know before placing a home for sale on the market:

 

 

1. Identify your goals, expectations and priorities

2. Have a well planned strategy for marketing your property

3. Establish a pricing strategy

4. Prepare your property for sale – there is no chance for 1st impression

5. Know your Realtor's resources and their plan for getting you to the settlement table in today’s challenging market.

5 More things a Seller should know...

In addition to Market conditions we spoke about previously, your Realtor should do the following:

 

1. Get to know your property well and its desirable features

2. Have a clear picture for you of other properties which were recently sold in your immediate market area and share it with you.

3. Have a good knowledge of homes on the market presently that are your competition with existing buyers

4. Be knowledgeable of properties which have failed to sell in the recent past in your market area

5. Provide a narrow price range for the price of your home.



 

Happy Thanksgiving - Two nice stories.

No fanfare just some good people doing good things quietly–

My colleague Ann Miller had and extra turkey. Instead of keeping it for herself and her family she wanted to share it with someone else who can use it. One of my client families have several children and live on one salary without any complaints ever. I speak of them because their humble life did not stop them from adopting a special needs child who would not have had a chance of a loving family in his country. When Ann found out about this family she made sure that she added potatoes and other fixings so that they could have a complete meal. Family was happy to receive it, Ann was happy to give it and I was happy to connect the two and make the delivery.


My friend Sharon Edman and her sister each purchased a turkey for their mom, no problem, Sharon taxed me to find out if I know of someone in need. I do. A family of four who is watching every bit of money hoping to buy a home soon and did not plan on purchasing a turkey this year. They were so happy to receive it. Sharon and her family were generous to think of others and take the time out of their busy schedule to make necessary arrangements to make the delivery.

Sharon and Ann, I am glad you are my friends and I thank you.

There are many Anns and Sharons out there giving to others every day of the year expecting nothing in return just doing the “right stuff”. Seems appropriate to remember them at Thanksgiving _ Thank you and Happy Thanksgiving!


 

Happy Thanksgiving to all!

Going Green

Going Green - Save Gas, Save Money

The Pros and Cons of Solar Energy

The Pros and Cons of Solar Energy - what is "energy start"?

Do's and Don'ts for choosing a contractor

The Most Essential Do's and Don'ts for Choosing the Right Contractor

Tips on Evaluating Your Home and Personal Property

Home owners insurance tips and understanding what to look for.

9 Common reasons sellers overprice their property…

Research shows that the sellers overprice their home for sale due to:




1. Lack of facts

2. Over their budget

3. Need to net more money than the property is worth

4. Greed

5. Want to leave room for bargaining

6. Sellers overpaid for property

7. Lack of motivation to sell

8. Testing the market

9. Bad advice

Capable Realtor with his or her knowledgeable and professional assistance will help avoid these pitfalls.

 

What to look for when choosing an air cleaner:

Do air purifiers really work?

5 things that each Seller should know

To price a home accurately for the best financial results seller should ask their Realtor following questions:

1. Is this a “Seller’s Market”?

2. Is this a true “Buyers Market “ in this specific area?

3. Is the cost of financing rising, dropping or remaining stable?

4. What is the average selling time in days?

5. What is the average percent of list to sold price?

Appraisal

What we need to know about appraisals

Change Happens...

Change is a the only constant in today's Real Estate world.

Landscaping plan for 2011

Here are some wonderful ideas for those who are planning for their 2011 garden

Market Review - Sellers

Current Market Review

Buyers and First Time Buyers

What buyers should know:

Best-Bet Home Imporovements

 How to improve your home for best results:

About Real Estate Investing

About Real Estate Investing

Should I buy or should I rent?

Many of the first time buyers are not sure how to proceed?  This may help you with your process of making a decision.  Click here:

Holiday season is a time to think about securing your home even more...

Here are some ideas on how to protect your home

Landscaping for 2011

As this year nears the end some of these tips may be useful for your 2011 landscaping plan.

good ideas about landscaping for four seasons

10 Tips for Creating a Household Budget

Here are some ideas of how to start a budget process for 2011

Happy Veteran's Day

Happy Veteran's Day

7 things to avoid doing when looking to buy a new home:

7 things to avoid doing when looking to buy a new home:

 

1. Don’t change jobs! Stability is a must!
2. Do not make any larger purchase – like an automobile -Your debt to income ratio will be unfavorable.
3. Don’t move money from one bank to another, not even from one account to another – this complicates transaction process, looks like large deposits which need to be explained later 
4. Don’t run credit report online on yourself. It will look like one more inquiry
5. Do not consolidate your bills before speaking with your lender – mortgage person 
6. Don’t purchase furniture which does not need to be paid in two years – no matter what you are told, it will show up as debt on your account and lower your score. 
7. Don’t pack or store your tax and income information so that you have to look through boxes to find what mortgage company needs.

 

When in doubt ask your Realtor and your mortgage broker.

 

Please watch video - Cheerleaders dance for Susan G. Komen for the Cure

Hi everyone,


About 136 former cheerleaders got together to do a dance routine to benefit "Susan G. Komen for the Cure" (Breast Cancer). Each time someone views the video, United Healthcare will make a $.10 donation to the Komen organization. Their goal is to get a million hits, which will lead to $100K raised.

Please can you take a moment to watch the video - and, just as important, pass this link onto your network of friends, family and colleagues? It benefits a very important cause!

Thanks for helping!

Click:
www.KomenPhiladelphia.org/Video

Fall Back Tonight!

Change your clock and the smoke detector batteries! 

Delaware County Real Estate Market Statistics Single Family Homes

Delaware County Real Estate Market Statistics Single Family Homes


Inventory of single homes available for sale in in Delaware County Pa in September 2009 was 3312 in 2010 3842. In 2010 monthly accumulation is 9.9 months vs. 9.2 in 2009.

The good news is that homes in our area are holding their value - the median settled price has moved from $200,000 in 2009 to $220,000 in 2010.

Branka Doych's "November Real Estate Update"

Here is a link to my "November Real Estate Update":

http://realtytimes.com/144/BrankaDoych


This month's issue includes topics such as:

"Knowledge Is Power When You Buy A House";

"Four Questions Help Determine Improve vs. Move";

"Kitchen Remodeling Trends";

"Questions You Should Ask About Property Taxes";

"Eight Out of 10 Still Believe Buying a Home Makes Good Financial Sense";



Plus a roundup of October real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too! Branka@BrankaDoych.com