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Category Archives: Home Sellers

Tips For Finding Your New Home

10 Thursday Dec 2015

Posted by Regina Wallace in Chicago & Suburban Homes For Sale, Foreclosure, Home Buyers, Home Loan & Mortgages, Home Sellers, Homeowners, Investors, Real Estate Buyers & Sellers

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Tags

Banks, cash incentives, Credit Report, Credit Score, For Sale, Foreclosure, Help for homeowners, Home Buyers, Home Owners, Home Sellers, lender programs, Lenders, Loan Officers, Mortgage, mortgage approval, Rent vs. Buy, Renters

Couple & Realtor in front of house

1.  Know thyself.

Understand the type of home that suits your personality. Do you prefer a new or existing home? A ranch or a multistory home? If you’re leaning toward a fixer-upper, are you truly handy, or will you need to budget for contractors?

2.  Research before you look.

List the features you most want in a home and identify which are necessities and which are extras. Identify three to four neighborhoods you’d like to live in based on commute time, schools, recreation, crime, and price. Then hop onto REALTOR.com to get a feel for the homes available in your price range in your favorite neighborhoods. Use the results to prioritize your wants and needs so you can add in and weed out properties from the inventory you’d like to view.

3.  Get your finances in order.

Generally, lenders say you can afford a home priced two to three times your gross income. Create a budget so you know how much you’re comfortable spending each month on housing. Don’t wait until you’ve found a home and made an offer to investigate financing.

Gather your financial records and meet with a lender to get a prequalification letter spelling out how much you’re eligible to borrow. The lender won’t necessarily consider the extra fees you’ll pay when you purchase or your plans to begin a family or purchase a new car, so shop in a price range you’re comfortable with. Also, presenting an offer contingent on financing will make your bid less attractive to sellers.

4.  Set a moving timeline.

Do you have blemishes on your credit that will take time to clear up? If you already own, have you sold your current home? If not, you’ll need to factor in the time needed to sell. If you rent, when is your lease up? Do you expect interest rates to jump anytime soon? All these factors will affect your buying, closing, and moving timelines.

5.  Think long term.

Your future plans may dictate the type of home you’ll buy. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in the home for five to 10 years? With a starter, you may need to adjust your expectations. If you plan to nest, be sure your priority list helps you identify a home you’ll still love years from now.

6.  Work with a REALTOR®.

Ask people you trust for referrals to a real estate professional they trust. Interview agents to determine which have expertise in the neighborhoods and type of homes you’re interested in. Because homebuying triggers many emotions, consider whether an agent’s style meshes with your personality.

Also ask if the agent specializes in buyer representation. Unlike listing agents, whose first duty is to the seller, buyers’ reps work only for you even though they’re typically paid by the seller. Finally, check whether agents are REALTORS®, which means they’re members of the NATIONAL ASSOCIATION OF REALTORS®. NAR has been a champion of homeownership rights for more than a century.

7.  Be realistic.

It’s OK to be picky about the home and neighborhood you want, but don’t be close-minded, unrealistic, or blinded by minor imperfections. If you insist on living in a cul-de-sac, you may miss out on great homes on streets that are just as quiet and secluded.

On the flip side, don’t be so swayed by a “wow” feature that you forget about other issues — like noise levels — that can have a big impact on your quality of life. Use your priority list to evaluate each property, remembering there’s no such thing as the perfect home.

8.  Limit the opinions you solicit.

It’s natural to seek reassurance when making a big financial decision. But you know that saying about too many cooks in the kitchen. If you need a second opinion, select one or two people. But remain true to your list of wants and needs so the final decision is based on criteria you’ve identified as important.

Email Regina@ReginaWallace.com to get started.

Negotiate Your Best House Buy

06 Monday Oct 2014

Posted by Regina Wallace in Foreclosure, Home Buyers, Home Loan & Mortgages, Home Sellers, Homeowners, Investors, Uncategorized

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For Sale, home buyer, home loan, home seller, house value, mortgage approval, mortgage loans, property, Real Estate, real estate agent, real estate investor, Realtor, Regina Wallace

Negotiate Your Best House Buy home-for-sale-sign
By: G. M. Filisko
Keep your emotions in check and your eyes on the goal, and you’ll pay less when purchasing a home.

Buying a home can be emotional, but negotiating the price shouldn’t be. The key to saving money when purchasing a home is sticking to a plan during the turbulence of high-stakes negotiations.

A real estate agent who represents you can guide you and offer you advice, but you are the one who must make the final decision during each round of offers and counter offers.

Here are six tips for negotiating the best price on a home.

1. Get pre-qualified for a mortgage
Getting prequalified for a mortgage proves to sellers that you’re serious about buying and capable of affording their home. That will push you to the head of the pack when sellers choose among offers; they’ll go with buyers who are a sure financial bet, not those whose financing could flop.

2. Ask questions
Ask your agent for information to help you understand the sellers’ financial position and motivation. Are they facing foreclosure or a short sale? Have they already purchased a home or relocated, which may make them eager to accept a lower price to avoid paying two mortgages? Has the home been on the market for a long time, or was it just listed? Have there been other offers? If so, why did they fall through? The more signs that sellers are eager to sell, the lower your offer can reasonably go.

3. Work back from a final price to determine your initial offer
Know in advance the most you’re willing to pay, and with your agent work back from that number to determine your initial offer, which can set the tone for the entire negotiation. A too-low bid may offend sellers emotionally invested in the sales price; a too-high bid may lead you to spend more than necessary to close the sale.

Work with your agent to evaluate the sellers’ motivation and comparable home sales to arrive at an initial offer that engages the sellers yet keeps money in your wallet.

4. Avoid contingencies
Sellers favor offers that leave little to chance. Keep your bid free of complicated contingencies, such as making the purchase conditional on the sale of your current home. Do keep contingencies for mortgage approval, home inspection, and environmental checks typical in your area, like radon.
5. Remain unemotional
Buying a home is a business transaction, and treating it that way helps you save money. Consider any movement by the sellers, however slight, a sign of interest, and keep negotiating.

Each time you make a concession, ask for one in return. If the sellers ask you to boost your price, ask them to contribute to closing costs or pay for a home warranty. If sellers won’t budge, make it clear you’re willing to walk away; they may get nervous and accept your offer.

6. Don’t let competition change your plan
Great homes and those competitively priced can draw multiple offers in any market. Don’t let competition propel you to go beyond your predetermined price or agree to concessions—such as waiving an inspection—that aren’t in your best interest.

Image

How To Buy A Home

13 Thursday Feb 2014

Tags

Home Buyers, Home Owners, Home Sellers, lender programs, Lenders, loan application, Loan Officers, Mortgage, mortgage approval, Prospect Equities Inc., Rent vs. Buy, Renters

Get Ready To Buy That New Home!

  • Want to find more opportunities in the Real Estate market?
  • Do you know what you need in order to buy in this market?
  • How much down payment do you need?
  • What type of financing is available?
  • What is the lender underwriting process and how do they evaluate you?
  • How do you get pre-approved for a mortgage loan?
  • What are the steps in the buying process?

Contact me for assistance:

Regina Wallace, Real Estate Broker

Prospect Equities Infiniti

Regina@ReginaWallace.com

http://www.ReginaWallace@Realtor

Posted by Regina Wallace | Filed under Foreclosure, Home Buyers, Home Loan & Mortgages, Home Sellers, Homeowners, Investors

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Rules Loosen to Buy a Home After Foreclosure, But Lenders May Balk

10 Thursday Oct 2013

Posted by Regina Wallace in Foreclosure, Home Buyers, Home Loan & Mortgages, Home Sellers, Homeowners, Uncategorized

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Tags

Banks, Credit Report, Credit Score, For Sale, Foreclosure, Help for homeowners, Home Buyers, Home Owners, Home Sellers, lender programs, Lenders, Loan Officers, Mortgage, Pre-Approved, Prospect Equities Inc., Real Estate, Renters, unpaid debt


Image

FHA and Fannie Mae are making it easier for homeowners who lose a home to foreclosure or short sale to buy again, but it might not make much difference if lenders don’t go along with the changes — since they don’t have to.

First, here’s what’s new at FHA and Fannie:
FHA rules now let you apply for an FHA mortgage 12 months after a foreclosure, short sale, or a deed-in-lieu of foreclosure if you meet two conditions:
1. Your loss was caused by economic conditions beyond your control.
2. You complete housing counseling.

Note: Mortgage lenders have traditionally made you wait two years after a short sale or deed-in-lieu and seven years after a foreclosure to apply for a mortgage.

Once you’ve met the conditions, you’ll still have to meet all the usual mortgage loan rules and guidelines that lenders use for everyone — like having enough income (and not too much debt) to afford the refinanced mortgage.

Fannie Mae credit reporting fix: Fannie, meanwhile, has cleared up a credit reporting issue that was holding back former homeowners who sold their homes for less than what they owed on the mortgage (a short sale) or signed over their deed to the lender to avoid foreclosure (a deed-in-lieu).

In theory, homeowners who work with the lender on a short sale or deed-in-lieu are supposed to take less of a hit to their credit than homeowners who lose a home to foreclosure. In reality, credit bureaus haven’t distinguished short sales and foreclosures on consumers’ credit reports.

Fannie Mae resolved the credit reporting issue by telling lenders to add a special code in the case files of consumers whose short sales or deeds-in-lieu are recorded in credit histories as foreclosures.

Starting Nov. 16, 2013, the Fannie Mae loan underwriting system will automatically ignore the foreclosure and correctly recognize the transaction was a short sale when the code appears. Until then, your lender will have to manually underwrite your loan to take advantage of the change.

Lenders Don’t Always Follow the Rules
This is all good news. But it remains to be seen whether these new rules will make a big difference for you if you’ve had a foreclosure, short sale, or deed-in-lieu.

“Most of the overlays have to do with adding basis points to the loan fee and to the price,” Frommeyer explains. They can also:
Increase the required downpayment.

Decide you have to wait two years instead of one.
Ask you to prove you’ve corrected your financial problems.
“They’ll probably ask for a written letter from the consumer to explain the previous problems and what they’re doing to solve the previous problems,” he says.

Credit Score Could Hold You Back
Regardless of the changes, if you were hurt by the recession you still may not qualify for a new mortgage because your financial troubles, especially a foreclosure, likely lowered your credit score.

How low is too low? In July 2013, the average FICO score for all closed first mortgages was 737, while the average credit score on denied loans was 702, according to Ellie Mae, which sells electronic mortgage origination systems. Credit scores go up to 850.

If you’re ready to become a homeowner again:
1. Check your credit reports for free.
2. Pay about $20 to get your FICO score. Credit scores aren’t included in your government-mandated free credit report, and the score you pay for may not even be the exact credit score lenders see. But it can help you decide if your credit will hold you back from getting a mortgage.
3. If your score is too low for you to get a mortgage right now, fix any mistakes.
4. Work to improve your credit score.

Call/Text or Email or Me For More Details: 708-966-9065 – Regina@ReginaWallace.com

8 Tips For Finding Your New Home

23 Tuesday Jul 2013

Posted by Regina Wallace in Home Buyers, Home Sellers, Homeowners, Uncategorized

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Tags

Banks, Buy, cash incentives, Credit Report, Credit Score, Foreclosure, Help for homeowners, Home Buyers, Home Sellers, Invest, lender programs, Lenders, Loan Officers, Mortgage, Pre-Approved, Realtor, Rent, Renters, Sell

Image

House hunting is just like any other shopping expedition. If you identify exactly what you want and do some research, you’ll zoom in on the home you want at the best price. These eight tips will guide you through a smart homebuying process.

1. Know thyself

Understand the type of home that suits your personality. Do you prefer a new or existing home? A ranch or a multistory home? If you’re leaning toward a fixer-upper, are you truly handy, or will you need to budget for contractors?

2. Research before you look

List the features you most want in a home and identify which are necessities and which are extras. Identify three to four neighborhoods you’d like to live in based on commute time, schools, recreation, crime, and price. Then hop onto REALTOR.com to get a feel for the homes available in your price range in your favorite neighborhoods. Use the results to prioritize your wants and needs so you can add in and weed out properties from the inventory you’d like to view.

3. Get your finances in order

Generally, lenders say you can afford a home priced two to three times your gross income. Create a budget so you know how much you’re comfortable spending each month on housing. Don’t wait until you’ve found a home and made an offer to investigate financing.

Gather your financial records and meet with a lender to get a prequalification letter spelling out how much you’re eligible to borrow. The lender won’t necessarily consider the extra fees you’ll pay when you purchase or your plans to begin a family or purchase a new car, so shop in a price range you’re comfortable with. Also, presenting an offer contingent on financing will make your bid less attractive to sellers.

4. Set a moving timeline

Do you have blemishes on your credit that will take time to clear up? If you already own, have you sold your current home? If not, you’ll need to factor in the time needed to sell. If you rent, when is your lease up? Do you expect interest rates to jump anytime soon? All these factors will affect your buying, closing, and moving timelines.

5. Think long term

Your future plans may dictate the type of home you’ll buy. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in the home for five to 10 years? With a starter, you may need to adjust your expectations. If you plan to nest, be sure your priority list helps you identify a home you’ll still love years from now.

6. Work with a REALTOR®

Ask people you trust for referrals to a real estate professional they trust. Interview agents to determine which have expertise in the neighborhoods and type of homes you’re interested in. Because homebuying triggers many emotions, consider whether an agent’s style meshes with your personality.

Also ask if the agent specializes in buyer representation. Unlike listing agents, whose first duty is to the seller, buyers’ reps work only for you even though they’re typically paid by the seller.

7. Be realistic

It’s OK to be picky about the home and neighborhood you want, but don’t be close-minded, unrealistic, or blinded by minor imperfections. If you insist on living in a cul-de-sac, you may miss out on great homes on streets that are just as quiet and secluded.

On the flip side, don’t be so swayed by a “wow” feature that you forget about other issues—like noise levels—that can have a big impact on your quality of life. Use your priority list to evaluate each property, remembering there’s no such thing as the perfect home.

8. Limit the opinions you solicit

It’s natural to seek reassurance when making a big financial decision. But you know that saying about too many cooks in the kitchen. If you need a second opinion, select one or two people. But remain true to your list of wants and needs so the final decision is based on criteria you’ve identified as important.

For Help Getting Started: contact me at:

Regina@ReginaWallace.com 

http://buysellorrentchicagohomes.com/

Is Your Mortgage Lender Treating You Right?

23 Tuesday Jul 2013

Posted by Regina Wallace in Home Buyers, Home Sellers, Homeowners, Uncategorized

≈ Leave a comment

New mortgage rules favor you, the home owner. We explain the rules, plus give you tips to ensure your lender treats you fairly.

House on top of stack of money

Companies have to offer you good customer service and set up procedures to ensure employees do their jobs correctly. 

The fact that federal legislators put this in the law tells you a lot about how frustrated consumers have gotten with mortgage lenders and servicers.

Servicers (the companies that collect your mortgage payments on behalf of the lender or investor who owns your loan) are now officially required to set up their operations so that employees can actually find information about your loan, respond to your questions, and help you if you have a problem paying your mortgage.

The servicer has to answer your questions and respond to your mortgage problems and questions pretty quickly. 

How fast?

  • Within 5 days, it has to admit it got your letter.
  • It has 30 to 45 business days to fix an error, send you the info you need, or explain why it can’t do either of those things.

Tip: You have to report errors and ask for information in writing. Calling doesn’t trigger the protections, nor does jotting a note on the payment coupon. You have to write a letter and send it to the right address for complaints. Check your lender’s or servicer’s website for directions about where to send correspondence and keep copies of your letters for your records.

Looking to buy or sell your next home? I can help make it a smooth transaction!

Email me at: Regina@ReginaWallace.com

www.SearchChicagoHomesForSale.com

Hurricane Season Approaching — Are You Ready?

14 Friday Jun 2013

Posted by Regina Wallace in Home Buyers, Home Sellers, Homeowners

≈ Leave a comment

Tags

climate, Home Buyers, Home Sellers, nature, Renters, science

Hurricane season 2013 is expected to be very severe. Here’s what you need to do to hurricane-proof your home and protect your family.

Get ready — it could be a wild year for hurricanes. Saturday, June 1, is the official start of the 2013 hurricane season, which the National Oceanic and Atmospheric Administration says could be extremely active.

NOAA predicts seven to 11 hurricanes; a typical year has six.

Nobody wants to see another destructive Hurricane Sandy, but it makes sense to be as prepared as possible to protect your family and home. Here’s an overview and links to in-depth information to get you started.

Create a Home Emergency Preparedness Kit

You should always have a home emergency kit in case you lose power and have to hunker down in your home for awhile. Items in a home emergency kit include:

  • Flashlights
  • Batteries
  • First aid supplies
  • Water and food
  • Sanitation and hygiene supplies
  • Radio
  • Cash

Get more details about what to put in your emergency kit here.

Pack a Grab-and-Go Bag

In case you have to evacuate quickly, having a pack-and-go bag will save you time and headaches. Include essentials such as:

  • Prescription and over-the-counter medicines.
  • A change of clothes for each family member.
  • A back-up drive from your computer.
  • A copy of your home inventory.
  • A flash drive with copies of important documents such as insurance papers, birth certificates, deeds, tax returns, passports, and drivers’ licenses.
  • An inventory your home’s possessions.

Here’s a complete list of what to include in an emergency grab-and-go kit.

Make (or Update) a Home Inventory

If the worst should happen and your home is destroyed or severely damaged, you’ll have problems filing your claim if you don’t have a home inventory.

Having a checklist of items with serial numbers, brands, quantities, and estimated values will make the claim process much easier. You can get started by downloading a home inventory checklist here.

To be doubly sure, take pictures and/or videos of your possessions. Those photos will serve as proof to your insurance adjuster that you did possess those items.

Be sure to create duplicates of your checklist, photos, and videos to store online or in a safety deposit box — and as part of your grab-and-go bag.

More tips on creating a home inventory here.

Check Your Insurance for Adequate Coverage

Does your policy have any restrictions on wind and water damage? Many policies do. And almost all policies exclude damage resulting from floodwaters. If your home is in a high-risk area, you should probably consider flood insurance and check the price and availability of coverage for hurricanes, too.

We explain what’s covered, what isn’t — as well as pricing and eligibility — in these two articles:

  • Flood Insurance: What You Need to Know
  • Do You Need Hurricane Insurance?

Reinforce Your Garage Doors

Did you know that during a storm, garage doors are your home’s weakest spot? Because they are often flimsy and cover a large area, they are vulnerable to wind damage, which can result in water flooding your home.

There are two main options to hurricane-proof your garage doors:

  • Buy new hurricane-proof doors.
  • Install a door bracing kit.

Reinforce Your Windows 

Like garage doors, your windows are vulnerable. During a hurricane, winds coming in through broken windows can create dangerous pressure inside, causing walls and roofs to collapse.

There are several options for reinforcing your windows:

  • Putting up plywood.
  • Adding storm shutters.
  • Installing impact-resistant (hurricane-proof) windows.
  • Applying hurricane window film.

You can learn more about each of these options in this article: How to Hurricane-Proof Your Windows.

Reinforce Your Roof

Hurricane winds inflict an uplift effect on your roof that can pull off shingles, tiles, and even the roof sheathing. You can use roofing cement to strengthen your roofing shingles, or even hire a contractor to install hurricane clips or straps to secure your roof to your walls.

Learn how to hurricane-proof your roof here.

And Don’t Forget:

  • Trim up your trees and shrubs to make them less vulnerable to all summer storms.
  • Check to see if your sump pump is working. Replace it if it isn’t.

Email me with your questions or comments – Regina@ReginaWallace.com

Is Your Mortgage Lender Treating You Right?

24 Wednesday Apr 2013

Posted by Regina Wallace in Home Buyers, Home Sellers, Homeowners, Uncategorized

≈ Leave a comment

New mortgage rules favor you, the home owner. We explain the rules, plus give you tips to ensure your lender treats you fairly.

House on top of stack of money

Tired of getting the run-around from your mortgage lender or servicer? Starting Jan. 10, 2014, you’ll get consumer protections aimed at taming the worst habits mortgage lenders picked up during the mortgage foreclosure crisis.

But realize that you need to follow specific procedures to make the protections work for you.

Companies have to offer you good customer service and set up procedures to ensure employees do their jobs correctly. 

The fact that federal legislators put this in the law tells you a lot about how frustrated consumers have gotten with mortgage lenders and servicers.

Servicers (the companies that collect your mortgage payments on behalf of the lender or investor who owns your loan) are now officially required to set up their operations so that employees can actually find information about your loan, respond to your questions, and help you if you have a problem paying your mortgage.

The servicer has to answer your questions and respond to your mortgage problems and questions pretty quickly. 

How fast?

  • Within 5 days, it has to admit it got your letter.
  • It has 30 to 45 business days to fix an error, send you the info you need, or explain why it can’t do either of those things.

Tip: You have to report errors and ask for information in writing. Calling doesn’t trigger the protections, nor does jotting a note on the payment coupon. You have to write a letter and send it to the right address for complaints. Check your lender’s or servicer’s website for directions about where to send correspondence and keep copies of your letters for your records.

Looking to buy or sell your next home? I can help make it a smooth transaction!

Email me at: Regina@ReginaWallace.com

www.SearchChicagoHomesForSale.com

New Program to Help Home Owners Has Great Benefits, But Tough Rules

27 Monday Jun 2011

Posted by Regina Wallace in Home Sellers, Homeowners

≈ Leave a comment

By: Dona DeZube

Published: June 21, 2011

If you’re having trouble making your mortgage payment, there are a billion reasons to check out the latest federal government mortgage assistance program. The U.S. Department of Housing and Urban Development’s Emergency Homeowners Loan Program, now running in 27 states and Puerto Rico, will dole out $1 billion in interest-free loans to about 30,000 home owners who are unemployed, under-employed, or suffering financially due to a medical crisis.

If you’re having trouble making your mortgage payment, there are a billion reasons to check out the latest federal government mortgage assistance program. The U.S. Department of Housing and Urban Development’s Emergency Homeowners Loan Program, now running in 27 states and Puerto Rico, will dole out $1 billion in interest-free loans to about 30,000 home owners who are unemployed, under-employed, or suffering financially due to a medical crisis.

It’s a federal program, so of course there’s paperwork. And you only have until July 22 to get it filled out and over to one of the counseling agencies helping to run the program. Call 855-346-3345 for information about participating agencies in your area.

You’ll know by Oct. 1 if you’ve been approved for EHLP because the money has to be obligated before the federal government’s fiscal year ends on Sept. 30th.

The toughest thing about the program may be the eligibility rules. If you want to be approved for EHLP, you can’t:

Have federal tax liens
Have past-due student loans (deferments and forbearance are OK)
Have more than one 60-day late mortgage payment in the past two years
Be in bankruptcy
Have family income of more than $75,000 or 120% of the area median income
Then there are things you must have to get into EHLP:

Be a minimum of three months late on your mortgage payment.
Income that’s at least 15% less than what you were earning in 2009.
The ability to make your full mortgage payment again in two years, because you’re likely to be working or have another source of income again by then.
That last requirement will be hard for HUD to prove; it’ll likely be up to an underwriter to decide who qualifies.

But if you can meet those requirements (as well as a bunch more that the credit counselors running the program will tell you about), EHLP is a sweet deal.

You have to agree to pay 31% of your family’s monthly income toward the mortgage payment (minimum payment is $150). The federal government loans you the money to pay the rest of your mortgage payment.

You can keep getting that subsidy for two years, or until you’ve borrowed $50,000.

The best part is that if you make your mortgage payments on time, the government forgives 20% of the EHLP loan every year. So in five years, your loan is completely forgiven.

If you think there’s even the slightest possibility you’d qualify for the program, you should go for it. You’ve got nothing to lose and a lot of mortgage payment help to gain.

What do you think of this program and its requirements? Do you think many home owners will be able to meet those stringent requirements — especially the student loan and tax lien rules — and do so within a month?

Gallery

How to Use Comparable Sales to Price Your Home

27 Sunday Feb 2011

Posted by Regina Wallace in Foreclosure, Home Buyers, Home Loan & Mortgages, Home Sellers, Homeowners, Investors, Uncategorized

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Help for homeowners

  Before you put your home up for sale, use the right comparable sales to find the perfect price. Knowing …

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  • How Do I Buy a House That's Been Abandoned? If you’re attempting to buy a house that has been abandoned you’re going to want to keep a few specific things in mind. Learn how to buy a house that has been abandoned with help from a real estate professional in this free video clip.
  • How to Buy a Home While Waiting for Your Own to Sell Just because one home hasn’t sold yet doesn’t mean you can’t buy another. Buy a home while waiting for your own to sell with help from a real estate professional in this free video clip. Read more: Video: How to Buy a Home While Waiting for Your Ow
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  • What Does It Mean When It Goes to the Underwriter When Selling a House? When selling a house you may at one point see the term “underwriter.” Learn what it means when it goes to the underwriter when selling a house with help from a real estate professional in this free video clip.
  • What Is FHA Insurance? FHA insurance can be defined in a very specific way. Learn what FHA insurance actually is and how you use it with help from a real estate professional in this free video clip. Read more: Video: What Is FHA Insurance? | eHow.com http://www.ehow.com/video_

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  • Tips For Finding Your New Home
  • 5 Tips to Prepare Your Home for Sale
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  • How To Buy A Home

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