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HOW TO MAKE AN OFFER ON A HOME?
You've found your dream home and you're ready to make your offer.
Remember, the offer you make could become legally binding. Here are the
steps you'll need to take.
Instructions
Steps
1
Step One
Consult a lender or mortgage broker to find out how much you can afford to
spend on a home .
CONTACT:VISION MORTGAGE BANK. AT 796-709-6577 AND ASK FOR MR.
ANTONY TO HELP YOU!
Step Two
Decide what type of financing you want: a fixed-rate or adjustable-rate
mortgage.
3
Step Three
Know how much money you have for a down payment; typically 5 to 20
percent of the purchase price is required, depending on the loan terms.
4
Step Four
Get prequalified for a loan by a lender or mortgage broker.
5
Step Five
State what inspections you want to have done before you'll agree to buy the
home. You can get general home inspections, as well as geological, roof,
pool/spa, earthquake/flood and environmental inspections.
6
Step Six
State whom you want to pay for inspections, the termite report, required work,
title insurance and escrow fees, and warranties.
7
Step Seven
Decide how long you want the escrow period to be.
8
Step Eight
Establish how long both parties should have to complete inspections,
approvals and work.
9
Step Nine
Put a limit on the amount of time the seller has to respond.
10
Step Ten
Present your offer and a letter of prequalification for financing to the seller
yourself or through your agent.
Tips & Warnings
You've found your dream home and you're ready to make your offer.
Remember, the offer you make could become legally binding. Here are the
steps you'll need to take.
Instructions
Steps
1
Step One
Consult a lender or mortgage broker to find out how much you can afford to
spend on a home .
CONTACT:VISION MORTGAGE BANK. AT 796-709-6577 AND ASK FOR MR.
ANTONY TO HELP YOU!
Step Two
Decide what type of financing you want: a fixed-rate or adjustable-rate
mortgage.
3
Step Three
Know how much money you have for a down payment; typically 5 to 20
percent of the purchase price is required, depending on the loan terms.
4
Step Four
Get prequalified for a loan by a lender or mortgage broker.
5
Step Five
State what inspections you want to have done before you'll agree to buy the
home. You can get general home inspections, as well as geological, roof,
pool/spa, earthquake/flood and environmental inspections.
6
Step Six
State whom you want to pay for inspections, the termite report, required work,
title insurance and escrow fees, and warranties.
7
Step Seven
Decide how long you want the escrow period to be.
8
Step Eight
Establish how long both parties should have to complete inspections,
approvals and work.
9
Step Nine
Put a limit on the amount of time the seller has to respond.
10
Step Ten
Present your offer and a letter of prequalification for financing to the seller
yourself or through your agent.
Tips & Warnings
HOW TO INSPECT A HOME BEFORE
BUYING?
A home is one of the most important purchases you can make,
so don't be sucked in by a fresh coat of paint and nice
carpeting! Keep a sharp eye and consider the details.
Instructions
Steps1
Step One
Consider the house's general layout. Is it big enough for your
family and belongings? Does it have enough storage space? Is
there adequate parking/garage space? Is there room for
expansion - and how much would adding on cost?
2
Step Two
Look for amenities such as built-in dishwasher and washer/dryer
hook-ups. Will these be easy to add?
3
Step Three
Consider the yard. Is the lot big enough for your outdoor
activities? How difficult will it be to maintain?
4
Step Four
Look for cracks in the driveway. Wide or extensive cracks could
indicate a drainage problem in the yard.
5
Step Five
Look for cracks in the foundation, ceilings and walls, which
indicate movement of the structure caused by settling, soil
expansion or earthquakes.
6
Step Six
Check walls and ceilings for signs of water damage.
7
Step Seven
Inspect windows by opening them, both to check condition of
their hardware and to make sure they aren't painted shut.
Bedroom windows should be large enough to escape through
in a fire.
8
Step Eight
Examine both interior and exterior doors: open and shut them
to see whether they are level and in working condition. Inspect
sliding doors for energy-efficient insulated glass. Check for
weather stripping and thresholds.
9
Step Nine
Look at the number, condition and size of closets.
10
Step Ten
Be sure that the fireplace has a working damper and is lined
with terra cotta or firebrick (as opposed to common brick, which
eventually deteriorates from intense heat).
11
Step Eleven
Inspect floors and carpet for wear and tear as well as for
moisture damage.
12
Step Twelve
Determine if the walls, ceilings and floors contain asbestos,
which is a health hazard.
---------------------------------------------
HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?
When you get the inspection report back on a home you're
looking to buy, you may be able to use that report to negotiate
the price.
Instructions
Steps1
Step One
Be sure your purchase contract includes an inspection clause
that makes your obligation to purchase the home dependent
on the results of a professional home inspection performed
within a stated period of time (usually 10 to 15 days) during the
sales transaction.
2
Step Two
Hire a professional home-inspection to inspect the home within
the contingency period.
3
Step Three
Review the condition of each item listed on the home
inspection report; decide if the condition of each item or
component is acceptable or unacceptable to you.
4
Step Four
Obtain estimates on repairs or replacements described in the
home inspection report if estimates are not provided by the
home inspector.
5
Step Five
Compare your original offer to the estimated costs of any
repairs or replacements.
6
Step Six
Present an addendum to the sellers within the contingency
period at a reduced price to cover the costs of repairs or
replacements or give the sellers the option of getting the work
done themselves.
BUYING?
A home is one of the most important purchases you can make,
so don't be sucked in by a fresh coat of paint and nice
carpeting! Keep a sharp eye and consider the details.
Instructions
Steps1
Step One
Consider the house's general layout. Is it big enough for your
family and belongings? Does it have enough storage space? Is
there adequate parking/garage space? Is there room for
expansion - and how much would adding on cost?
2
Step Two
Look for amenities such as built-in dishwasher and washer/dryer
hook-ups. Will these be easy to add?
3
Step Three
Consider the yard. Is the lot big enough for your outdoor
activities? How difficult will it be to maintain?
4
Step Four
Look for cracks in the driveway. Wide or extensive cracks could
indicate a drainage problem in the yard.
5
Step Five
Look for cracks in the foundation, ceilings and walls, which
indicate movement of the structure caused by settling, soil
expansion or earthquakes.
6
Step Six
Check walls and ceilings for signs of water damage.
7
Step Seven
Inspect windows by opening them, both to check condition of
their hardware and to make sure they aren't painted shut.
Bedroom windows should be large enough to escape through
in a fire.
8
Step Eight
Examine both interior and exterior doors: open and shut them
to see whether they are level and in working condition. Inspect
sliding doors for energy-efficient insulated glass. Check for
weather stripping and thresholds.
9
Step Nine
Look at the number, condition and size of closets.
10
Step Ten
Be sure that the fireplace has a working damper and is lined
with terra cotta or firebrick (as opposed to common brick, which
eventually deteriorates from intense heat).
11
Step Eleven
Inspect floors and carpet for wear and tear as well as for
moisture damage.
12
Step Twelve
Determine if the walls, ceilings and floors contain asbestos,
which is a health hazard.
---------------------------------------------
HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?
When you get the inspection report back on a home you're
looking to buy, you may be able to use that report to negotiate
the price.
Instructions
Steps1
Step One
Be sure your purchase contract includes an inspection clause
that makes your obligation to purchase the home dependent
on the results of a professional home inspection performed
within a stated period of time (usually 10 to 15 days) during the
sales transaction.
2
Step Two
Hire a professional home-inspection to inspect the home within
the contingency period.
3
Step Three
Review the condition of each item listed on the home
inspection report; decide if the condition of each item or
component is acceptable or unacceptable to you.
4
Step Four
Obtain estimates on repairs or replacements described in the
home inspection report if estimates are not provided by the
home inspector.
5
Step Five
Compare your original offer to the estimated costs of any
repairs or replacements.
6
Step Six
Present an addendum to the sellers within the contingency
period at a reduced price to cover the costs of repairs or
replacements or give the sellers the option of getting the work
done themselves.
HOW TO BUY A HOME ?
Home ownership is still very much a part of the American dream but one that
mandates homework, legwork and considerable effort on your part to ensure
that the process goes as smoothly as possible. Here's how to make your dream a
reality.
Instructions
STEPS TO TAKEStep One
Decide if it makes sense for you to buy a house or keep renting. If your job
keeps you on the move, it may not be worth it. You may need to stay put for at
least three years to recoup your closing costs. If your desire to own a home is
based on wanting to create stability, keeping control over your living situation,
building equity and investing in your future, go for it.
2
Step Two
Strengthen your credit: Pay off credit cards, resolve any credit disputes or
delinquencies, and cancel unused cards. Your credit rating takes into account
both how you use the credit you have available and whether your available
credit is too high for your income. Call a credit reporting agency and request a
copy of your credit report, which may cost $10 to $15.
3
Step Three
Decide what sort of home you want. A single-family home in good condition
offers instant livability. While it's more work than a condominium, and likely
more expensive up front , you don't have to share ownership. Or build equity
quickly if you have the skills and ample time by purchasing a fixer-upper and
making it livable . Spec homes (new homes constructed by a builder that don't
have a buyer yet) can also be a good deal if the builder is eager to get its
money out of the project. Duplexes can be an excellent way to generate
income, by owning one half and renting the other.
4
Step Four
Simplify your search by defining the area you'd like to live in. Scout out what's
available in the vicinity. Look at prices, home design, proximity to shopping,
schools and other amenities.
5
Step Five
Visit a few open houses to gauge what's on the market and to see firsthand
what you want, such as overall layout, number of bedrooms and bathrooms,
kitchen amenities, and storage.
6
Step Six
Use a mortgage calculator (such as one at Quicken.com) to determine how
much house you can afford, whether renting or buying is more advantageous
for you right now, and how much you'll likely be able to borrow. However, take
these figures with a grain of salt; some are inaccurate. Get prequalified to get
the actual amount you can pay . Most lenders allow you to put up to 28
percent of your gross income or 36 percent of your net toward a house
payment.
7
Step Seven
Be ready to hand over a substantial down payment. Most mortgages are based
on the buyer putting down 10 to 20 percent of the purchase price. Putting
down less up front often requires you to pay private mortgage insurance (PMI),
which increases your monthly housing cost.
8
Step Eight
Shop for a home on your own only if you understand the tradeoffs. Most homes
are listed with agents to ensure that other agents will have easy access to
information about the home.
9
Step Nine
Shop for a real estate agent who will search for suitable properties, represent
your interests and negotiate on your behalf. A buyer's representative can
evaluate the properties you view, do a market analysis to determine its value in
the marketplace, select an appropriate price to begin negotiations and advise
you in writing the contract.
10
Step Ten
Go into exhaustive detail when describing to your agent what you want in a
home: number of bathrooms and bedrooms, attached garage, land and
anything else that may be important, like good light or a big enough yard for
the kids. If your agent shows you homes that aren't what you want, find another
one who listens more attentively.
11
Step Eleven
Shop aggressively. Unless you're under the gun time-wise, look at as many
homes as possible to get a sense of what's available. Don't rush into buying if
you don't have to.
12
Step Twelve
Look beyond the home to the neighborhood and the condition of nearby
homes to make sure you aren't buying the only gem in sight. The area in which
your home is located is sometimes a bigger consideration than the home itself,
since it has a major impact on your home's resale value. Buying a fixer-upper
in the right neighborhood can be a great investment, and being able to
identify up-and-coming communities--where more people want to live--can
lead you to a bargain property that will only appreciate in value.
13
Step Thirteen
Visit properties you're seriously interested in at various times of the day to
check traffic and congestion, available parking, noise levels and general
activities. What may seem like a peaceful neighborhood at lunch can become
a loud shortcut during rush hour, and you'd never know it if you drove by only
once.
14
Step Fourteen
Determine whether you need to sell your current home in order to afford a new
one. If so, any offer to buy that you make will be contingent on that sale.
Contingent offers are more risky and less desirable for the seller, since the sale
can't be completed until the buyer's house is sold. You may want to put your
current house on the market first.
15
Step Fifteen
Try not to fall in love with one particular property. It's great to find exactly what
you need, but if you get your heart set on one home, you may end up paying
more than it's worth because you're emotionally invested. The deal may also
fall apart.
16
Step Sixteen
Work with your agent to present an offer. In many areas multiple offers are
commonplace; your agent should help you craft a competitivebid that makes
the most of your financial assets. He or she can help you determine how close
to the asking price you should be and, if your offer's turned down, how to
counteroffer.
17
Step Seventeen
Make sure final acceptance is predicated on a suitable home inspection.
18
Step Eighteen
Include earnest money with your offer. Your agent can assist in arriving at a
suitable amount--usually $1,000 to $5,000. Once you sign an offer, you are
officially in escrow, which means you are committed to buy the house or lose
your deposit, unless you do not get final mortgage approval. During escrow
(typically 30 to 90 days), your lender arranges for purchase financing and
finalizes your mortgage. This is also when all inspections must be completed.
19
Step Nineteen
Request the following surveys and reports: inspection, pests, dry rot, radon,
hazardous materials, landslides, flood plains, earthquake faults and crime
statistics.
20
Step Twenty
Close escrow. This final step in buying a home, usually conducted in a title
office, involves signing documents related to the property and your mortgage
arrangements. The packet of papers includes the deed, proving you now own
the house, and the title, which shows that no one else has any claim to it or
lien against it. If any issues remain, money may be set aside in escrow until
they are resolved, which acts as an incentive for the seller to quickly remedy
any problem areas in order to receive all that is owed.
Home ownership is still very much a part of the American dream but one that
mandates homework, legwork and considerable effort on your part to ensure
that the process goes as smoothly as possible. Here's how to make your dream a
reality.
Instructions
STEPS TO TAKEStep One
Decide if it makes sense for you to buy a house or keep renting. If your job
keeps you on the move, it may not be worth it. You may need to stay put for at
least three years to recoup your closing costs. If your desire to own a home is
based on wanting to create stability, keeping control over your living situation,
building equity and investing in your future, go for it.
2
Step Two
Strengthen your credit: Pay off credit cards, resolve any credit disputes or
delinquencies, and cancel unused cards. Your credit rating takes into account
both how you use the credit you have available and whether your available
credit is too high for your income. Call a credit reporting agency and request a
copy of your credit report, which may cost $10 to $15.
3
Step Three
Decide what sort of home you want. A single-family home in good condition
offers instant livability. While it's more work than a condominium, and likely
more expensive up front , you don't have to share ownership. Or build equity
quickly if you have the skills and ample time by purchasing a fixer-upper and
making it livable . Spec homes (new homes constructed by a builder that don't
have a buyer yet) can also be a good deal if the builder is eager to get its
money out of the project. Duplexes can be an excellent way to generate
income, by owning one half and renting the other.
4
Step Four
Simplify your search by defining the area you'd like to live in. Scout out what's
available in the vicinity. Look at prices, home design, proximity to shopping,
schools and other amenities.
5
Step Five
Visit a few open houses to gauge what's on the market and to see firsthand
what you want, such as overall layout, number of bedrooms and bathrooms,
kitchen amenities, and storage.
6
Step Six
Use a mortgage calculator (such as one at Quicken.com) to determine how
much house you can afford, whether renting or buying is more advantageous
for you right now, and how much you'll likely be able to borrow. However, take
these figures with a grain of salt; some are inaccurate. Get prequalified to get
the actual amount you can pay . Most lenders allow you to put up to 28
percent of your gross income or 36 percent of your net toward a house
payment.
7
Step Seven
Be ready to hand over a substantial down payment. Most mortgages are based
on the buyer putting down 10 to 20 percent of the purchase price. Putting
down less up front often requires you to pay private mortgage insurance (PMI),
which increases your monthly housing cost.
8
Step Eight
Shop for a home on your own only if you understand the tradeoffs. Most homes
are listed with agents to ensure that other agents will have easy access to
information about the home.
9
Step Nine
Shop for a real estate agent who will search for suitable properties, represent
your interests and negotiate on your behalf. A buyer's representative can
evaluate the properties you view, do a market analysis to determine its value in
the marketplace, select an appropriate price to begin negotiations and advise
you in writing the contract.
10
Step Ten
Go into exhaustive detail when describing to your agent what you want in a
home: number of bathrooms and bedrooms, attached garage, land and
anything else that may be important, like good light or a big enough yard for
the kids. If your agent shows you homes that aren't what you want, find another
one who listens more attentively.
11
Step Eleven
Shop aggressively. Unless you're under the gun time-wise, look at as many
homes as possible to get a sense of what's available. Don't rush into buying if
you don't have to.
12
Step Twelve
Look beyond the home to the neighborhood and the condition of nearby
homes to make sure you aren't buying the only gem in sight. The area in which
your home is located is sometimes a bigger consideration than the home itself,
since it has a major impact on your home's resale value. Buying a fixer-upper
in the right neighborhood can be a great investment, and being able to
identify up-and-coming communities--where more people want to live--can
lead you to a bargain property that will only appreciate in value.
13
Step Thirteen
Visit properties you're seriously interested in at various times of the day to
check traffic and congestion, available parking, noise levels and general
activities. What may seem like a peaceful neighborhood at lunch can become
a loud shortcut during rush hour, and you'd never know it if you drove by only
once.
14
Step Fourteen
Determine whether you need to sell your current home in order to afford a new
one. If so, any offer to buy that you make will be contingent on that sale.
Contingent offers are more risky and less desirable for the seller, since the sale
can't be completed until the buyer's house is sold. You may want to put your
current house on the market first.
15
Step Fifteen
Try not to fall in love with one particular property. It's great to find exactly what
you need, but if you get your heart set on one home, you may end up paying
more than it's worth because you're emotionally invested. The deal may also
fall apart.
16
Step Sixteen
Work with your agent to present an offer. In many areas multiple offers are
commonplace; your agent should help you craft a competitivebid that makes
the most of your financial assets. He or she can help you determine how close
to the asking price you should be and, if your offer's turned down, how to
counteroffer.
17
Step Seventeen
Make sure final acceptance is predicated on a suitable home inspection.
18
Step Eighteen
Include earnest money with your offer. Your agent can assist in arriving at a
suitable amount--usually $1,000 to $5,000. Once you sign an offer, you are
officially in escrow, which means you are committed to buy the house or lose
your deposit, unless you do not get final mortgage approval. During escrow
(typically 30 to 90 days), your lender arranges for purchase financing and
finalizes your mortgage. This is also when all inspections must be completed.
19
Step Nineteen
Request the following surveys and reports: inspection, pests, dry rot, radon,
hazardous materials, landslides, flood plains, earthquake faults and crime
statistics.
20
Step Twenty
Close escrow. This final step in buying a home, usually conducted in a title
office, involves signing documents related to the property and your mortgage
arrangements. The packet of papers includes the deed, proving you now own
the house, and the title, which shows that no one else has any claim to it or
lien against it. If any issues remain, money may be set aside in escrow until
they are resolved, which acts as an incentive for the seller to quickly remedy
any problem areas in order to receive all that is owed.
HOW TO RESPOND TO A COUNTER
OFFER ON A HOME?
If the seller doesn't accept your offer, you still have a chance. Look
at the seller's counteroffer to see if you can reach an agreement.
Steps
1
Step One
Compare the terms of the counteroffer to that of your original offer.
Compare the financial and nonfinancial changes.
2
Step Two
Decide what items you are willing to accept and which you will
reject.
3
Step Three
Make changes to items that are unacceptable to you.
4
Step Four
Add any new items that come up as a result of the seller's
counteroffer.
5
Step Five
Respond in a counter to the counteroffer, written as counteroffer
number two. (The first response from the seller is counteroffer
number one.)
6
Step Six
Put a date of expiration on your counteroffer. Allow enough time for
the seller to consider new items, but not too much time - typically 24
to 72 hours.
7
Step Seven
Upon acceptance, open escrow and begin the loan process.
Tips & Warnings
--------------------------
HOW TO BACK OUT OF A CONTRACT ON A HOME FOR SALE?
Contracts are easier to get into than out of - but it can be done. Here
are some strategies for getting out of your obligation.
Steps
1
Step One
Consult a real estate broker or attorney and look for contingencies
(loopholes) in the contract, such as inspections or documents that
have yet to be approved. Write a letter to the seller that formally
informs her that you disapprove of a particular, unacceptable
condition or document.
2
Step Two
Get a letter from the lender stating that, after further inspection of
financial documents, the buyer (you) now does not qualify. Be
prepared to show proof.
3
Step Three
Provide documentation from an appraiser showing a
lower-than-originally-assumed value for the property. (You'll still have
to pay for the appraisal, but it's cheaper than buying the house.)
4
Step Four
Be candid with the seller. Discuss the situation and see if the seller is
willing to allow you to back out of the contract. By law, you can't be
forced to buy the property, but depending on how the contract was
written, the seller may be entitled to keep your deposit.
Tips & Warnings
OFFER ON A HOME?
If the seller doesn't accept your offer, you still have a chance. Look
at the seller's counteroffer to see if you can reach an agreement.
Steps
1
Step One
Compare the terms of the counteroffer to that of your original offer.
Compare the financial and nonfinancial changes.
2
Step Two
Decide what items you are willing to accept and which you will
reject.
3
Step Three
Make changes to items that are unacceptable to you.
4
Step Four
Add any new items that come up as a result of the seller's
counteroffer.
5
Step Five
Respond in a counter to the counteroffer, written as counteroffer
number two. (The first response from the seller is counteroffer
number one.)
6
Step Six
Put a date of expiration on your counteroffer. Allow enough time for
the seller to consider new items, but not too much time - typically 24
to 72 hours.
7
Step Seven
Upon acceptance, open escrow and begin the loan process.
Tips & Warnings
--------------------------
HOW TO BACK OUT OF A CONTRACT ON A HOME FOR SALE?
Contracts are easier to get into than out of - but it can be done. Here
are some strategies for getting out of your obligation.
Steps
1
Step One
Consult a real estate broker or attorney and look for contingencies
(loopholes) in the contract, such as inspections or documents that
have yet to be approved. Write a letter to the seller that formally
informs her that you disapprove of a particular, unacceptable
condition or document.
2
Step Two
Get a letter from the lender stating that, after further inspection of
financial documents, the buyer (you) now does not qualify. Be
prepared to show proof.
3
Step Three
Provide documentation from an appraiser showing a
lower-than-originally-assumed value for the property. (You'll still have
to pay for the appraisal, but it's cheaper than buying the house.)
4
Step Four
Be candid with the seller. Discuss the situation and see if the seller is
willing to allow you to back out of the contract. By law, you can't be
forced to buy the property, but depending on how the contract was
written, the seller may be entitled to keep your deposit.
Tips & Warnings
| ADVANTAGE OF REAL ESTATE INVESTMENT real estate investment also has its benefits. In terms of leverage, real estate is the far superior investment. Leverage means the capacity to use other people’s money, to include other investors in your acquisition of property. You can, of course, invest other people’s money in stocks, but it is harder to do and less reliable. Investors are more willing to invest in a property or a well- defined development project where they receive tangible results and returns. With greater likelihood of obtaining investors to collaborate with you, the possibility for investment expands, and you can invest more money in more properties and receive greater returns this way. In terms of taxes, real estate investing allows more tax deductions than stocks do. For real estate investments, you can deduct mortgage points and any money you spend in advertising, vacancies, or maintenance from your taxes. Capital gains vary from 5 percent to 25 percent and depend on how long you own the property and on your income tax bracket. By contrast, stock expenses are not deductible, and the government will take 15 percent off the top of your profit when you sell. Every form of investment has its benefits and drawbacks, but real estate investing has proven to be consistently reliable and more profitable in the long-run for those who commit to it. |
Why Real Estate Investments?
Real estate investing has created more millionaires than
any investment in history.
The benefits of real estate investing are:
You can get started in your spare time!
No prior experience is required!
You don't need to quit your full-time job!
-----------------------------------------------------
ADVANTAGE OF REAL ESTATE INVESTMENT
real estate investment also has its benefits. In terms of
leverage, real estate is the far superior investment.
Leverage means the capacity to use other people’s
money, to include other investors in your acquisition of
property.
You can, of course, invest other people’s money in
stocks, but it is harder to do and less reliable. Investors
are more willing to invest in a property or a well-defined
development project where they receive tangible results
and returns.
With greater likelihood of obtaining investors to
collaborate with you, the possibility for investment
expands, and you can invest more money in more
properties and receive greater returns this way.
In terms of taxes, real estate investing allows more tax
deductions than stocks do. For real estate investments,
you can deduct mortgage points and any money you
spend in advertising, vacancies, or maintenance from
your taxes.
Capital gains vary from 5 percent to 25 percent and
depend on how long you own the property and on your
income tax bracket. By contrast, stock expenses are not
deductible, and the government will take 15 percent off
the top of your profit when you sell.
Every form of investment has its benefits and drawbacks,
but real estate investing has proven to be consistently
reliable and more profitable in the long-run for those who
commit to it.
Real estate investing has created more millionaires than
any investment in history.
The benefits of real estate investing are:
You can get started in your spare time!
No prior experience is required!
You don't need to quit your full-time job!
-----------------------------------------------------
ADVANTAGE OF REAL ESTATE INVESTMENT
real estate investment also has its benefits. In terms of
leverage, real estate is the far superior investment.
Leverage means the capacity to use other people’s
money, to include other investors in your acquisition of
property.
You can, of course, invest other people’s money in
stocks, but it is harder to do and less reliable. Investors
are more willing to invest in a property or a well-defined
development project where they receive tangible results
and returns.
With greater likelihood of obtaining investors to
collaborate with you, the possibility for investment
expands, and you can invest more money in more
properties and receive greater returns this way.
In terms of taxes, real estate investing allows more tax
deductions than stocks do. For real estate investments,
you can deduct mortgage points and any money you
spend in advertising, vacancies, or maintenance from
your taxes.
Capital gains vary from 5 percent to 25 percent and
depend on how long you own the property and on your
income tax bracket. By contrast, stock expenses are not
deductible, and the government will take 15 percent off
the top of your profit when you sell.
Every form of investment has its benefits and drawbacks,
but real estate investing has proven to be consistently
reliable and more profitable in the long-run for those who
commit to it.
| REAL ESTATE HELP: SOUTH FLORIDA, CALL US AT: 786-709-6577 You will have unlimited access to expert in Real Estate Investments a professional Realtor and an experienced Mortgage Broker We will help you quickly and easily master proven real estate investing techniques and put cash in your pocket. We will help you Put together an action plan to get started immediately on your road to wealth. We will help you Uncover the hidden real estate deals that are overlooked by most investors. We will help you make offers that lead to money-making deals. We will help you Negotiate deals that work for you. ------------------------------------------------------ REAL ESTATE SUCCESS DO YOU WANT TO SUCCEED IN REAL ESTATE? LET ME HELP YOU! Be successful... even if you have no experience in real estate Generate large sums of monthly spendable cash Retire rich, reitire sooner than you ever thought possible Get started in your spare time |
REAL ESTATE INVESTMENT I know from personal experience that Real Estate is the simplest, faster, and most productive way to generate wealth; I mean significant sums of immediate cash, and it can help you lay the groundwork for even greater profits in the future. Think about this: If your home is the largest single investment you're likely to make in your life, doesn't it make sense that buying two, three or four houses could overtime have significant and positive impact on your financial security? ----------------------- FIND EXCEPTIONAL PROPERTIES IN EXCEPTIONAL LOCATION FOR EXCEPTIONAL PRICES WITH OUR EXCEPTIONAL SERVICE... SOUTH FLORIDA, CALL US AT: 786-709-6577 |
| BUYING A PIECE OF REAL ESTATE Because buying a home is a major financial obligation over a long period of time, it's important to have a competent and experienced real estate agent and a great mortgage broker to assist you. SOUTH FLORIDA CONTACT Mr. ANTHONY AT: 786-709-6577 ------------------------------------------ SHOP FOR REAL ESTATE PROPERTIES Shop for real estate properties with the help of a real estate professional; We can help you find the right home in the right location for the the right price. We can help you navigate through offers, counteroffers, financing and closings. We exercise reasonable skills and care to perform our duties, we deal with clients honestly and fairly. WE ARE LICENSED REALTOR & LICENSED MORTGAGE BROKER ---- SOUTH FLORIDA CALL AT: 786-709-6577 |
| EXCELLENCE IN REAL ESTATE... YES WE CAN HELP YOU; CALL US AT: 786-709-6577 Everyday we work to improve the way we do business in order to better serve you. We constantly strive and continue to work harder to exceed our clients expectation and to fulfil your real estate and mortgage need. By using us as your Realtor, as your mortgage broker you will be happy to have a wonderful agent to provide you exceptional real estate and, or mortgage services which will make the purchase of your home a rewarding experience. ----------------------------------------------- REAL ESTATE FINANCING YES, MONEY IS AVAILABLE TO PURCHASE REAL ESTATE!!! WE ARE COMMITTED TO YOUR NEEDS AND ALL REAL ESTATE AND MORTGAGE TRANSACTIONS PURCHASE / SALE / REFINANCE YES WE DO FHA AND CONVENTIONAL FINANCING CALL US AT: 786-709-6577 |
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Housing Finance Authority of Miami dade, Monroe, Broward, and
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FREE FINANCIAL ADVICE. WAYS TO SAVE MONEY, TO MAKE
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Owned Properties (REO) --- Investing in Foreclosed Real Estate for a
Higher Return.
What are Pre-Foreclosures?
pre-foreclosure helps people to get a home at a bargain price... ---
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------------------------------
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$2,500.00
CLICK HERE TO SEE --- the best products FOR LESS
PRICE, from the world most prestigious companies.
Real Estate Investment,
Home-Buying Guide,
Home-Selling Guide,
Mortgage Loan Modification to Avoid Foreclosure,
Home Refinancing Since Interest Rate has Dropped to the
bottom low, Real Estate Financing
No Matter what you heard from the news you still can
purchase, Begin buying process with Mortgage Loane
Pre-Qualification.
IF YOU NEED HELP TO BUY OR TO SELL A PROPERTY IN
SOUTH FLORIDA ; LET A PROFESSIONAL LICENSED
REALTOR & LICENSED MORTGAGE BROKER ASSIST YOU.
SOUTH FL. CONTACT Mr. ANTONY AT: 786- 709-6577
Real Estate Assistance Program For Home-Buyers &
sellers
FREE MONEY: EARN CASH BACK; BUYERS AND SELLERS
YOU CAN PUT MONEY BACK IN YOUR POCKET...
Earn a cash back bonus. CLICK HERE...
When you buy or sell a home through Real Estate
Assistance Program With us ... GET BACK UP TO
$2,500.00
----------------------------------------------------------------------------------
------------------------------
Mortgage Loans Information Center ...
Real Estate general Information Center ...
FORECLOSURE SOLUTION! STOP IT NOW. SAVE YOUR EQUITY,
SAVE YOUR CREDIT, AND PUT MONEY BACK IN YOUR POCKET.
----
FORECLOSURE ALTERNATIVES: TIPS TO AVOID THIS
NIGHTMARE . ..
FORECLOSURE INVESTMENTS: IT'S A GREAT WAY TO
INVEST IN REAL ESTATE AND MAKE BIG PROFITS; GREAT
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About Buying HUD Homes? What is a HUD Home? How
are HUD Homes sold?..
SHORT SALE: REAL ESTATE INVESTMENT OPPORTUNITY FOR
ALL. SHORT SALE METHODS AND TECHNIQUES!...
HOW TO BUY SHORT SALE PROPERTIES? HOW TO INVEST IN
REAL ESTATE SHORT SALE AND MAKE BIG PROFIT?
CREATIVE FINANCING: TOP 10 CREATIVE FINANCING
TECHNIQUES AND STRATEGIES TO FIND MONEY TO
INVEST!
Capital gains tax, Understanding Capital Gains Taxes,
Real Estate Capital Gains Tax
pre-construction: Is by far one of the most viable passive
investment vehicle available in the real estate industry ...
FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY FREE
ADVERTISEMENT ON THREE DIFFERENT WEBSITES; NO
FEES, NO CHARGES, NO COSTS TO YOU. .. CLICK HERE...
[FSBO]
1031 Exchange, Tax Saving Tips for Real Estate Investors
and landlords. 1031 Like-Kind Exchanges and Multi-Family
Investments: A Very Profitable
Combination!
Real Estate For Sale,
Commercial Real Estate,
Miami Real Estate,
Mobile Home,
Florida Real Estate
BUY ALL YOU WANT RIGHT HERE; THE BEST QUALITY
PRODUCTS FROM THE WORLD GREATEST COMPANIES
AT
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Commercial Real estate Investors: Calculator to use and
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performance of their investment properties...
HOW TO BUY A HOME, HOW TO INSPECT A HOME BEFORE BUYING, HOW TO MAKE AN OFFER ON A HOME, HOW TO RESPOND TO A COUNTER OFFER ON A HOME?
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| FIND HOMES FOR SALE... FIND FINANCING TO PURCHASE REAL ESTATE HOMEOWNERS, SELL YOUR PROPERTY -FSBO- FREE ADVERTISEMENT LEARN ABOUT REAL ESTATE SHORT SALE SECRETS and foreclosure FIND YOUR IDEAL HOME NOW RIGHT HERE... -------------------------------------------------- As a Realtor, we have available the experience and the resources to help you purchase or sell your properties and we will make sure your transaction will be handled in a professional manner. -------------------------------------------------- REAL ESTATE WANTED: PRIVATE INVESTORS LOOKING TO BUY COMMERCIAL PROPERTIES WE WILL LOOK AT ALL, ANY CONDITION ---------------------------------- I BUY & SELL REAL ESTATE. HOUSES, MULTI-UNIT APARTMENTS, BUSINESSES, AND COMMERCIAL PROPERTIES. IF YOU OR SOMEONE YOU KNOW MIGHT WANT TO SELL, TO BUY A REAL ESTATE PROPERTY IN SOUTH FLORIDA. PLEASE CALL...Mr. ANTHONY AT: 786-709-6577 |