Saturday, July 31, 2010
Sunday, July 25, 2010
Friday, July 23, 2010
9 pasos para nuevos Compradores de casa version espanol
Paso - 1 Hacer la decisión de comprar
Parece obvio, pero es bueno señalar que el primer paso para comprar una casa es tomar la decisión de comprar. Considere las razones que usted quiere una casa nueva y que las anoten. Determine el tiempo que desea vivir en la casa nueva, se compra todavía buen sentido financiero? ¿Puede permitirse una casa que satisfaga sus lista de requisitos? Una buena regla de oro es su pago de hipoteca no debe exceder 33% de sus ingresos mensuales netos.
Paso 2 - Busque Orientación Profesional
Me gustaría hacer una cita para reunirse con usted para conocer los motivos por que desea comprar una casa y sus planes para el futuro. Hablaremos de los barrios, escuelas, los factores económicos que puedan afectar al mercado hoy y mañana, así como la forma desea su casa y el vecindario para crecer con usted.
En este momento, yo también le ayudará a conseguir pre-calificado para un préstamo hipotecario. Pre-calificación es un documento escrito por un oficial de préstamo que indica su opinión que será aprobado para un préstamo hipotecario hasta un determinado importe. El hecho de que usted es pre-calificados nos ayuda cuando estamos negociando el contrato.
Paso 3 - Comience la búsqueda
Después de nuestra primera reunión, voy a usar de todos mis recursos para las casas en el mercado que coincide con los criterios. Voy a visitar previamente estas casas para estar seguro que se ajusta a su busqueda. Entonces, voy a programar citas para visitar las casas en horarios convenientes para usted.
A medida que vaamos la casa, voy a señalar aspectos positivos y negativos. Te voy a pedir que me cuentes lo que te gusta y lo que no me gusta. Probablemente usted modificar su "lista de deseos", algunas cosas se volverán más importantes y otros menos importantes. Con esta nueva información, voy a afinar nuestros criterios de búsqueda para restringir en la casa de sus sueños.
Paso 4 - Conocer el mercado
Mi conocimiento del mercado local es un factor esencial en la búsqueda de casa. Te dejaré saber cuando el mercado de un barrio en particular es "caliente" y requiere una acción inmediata o cuando el mercado es "frio" y permite una consideración cuidadosa.
Le dejaré saber cuándo el precio de venta tiene margen para negociar y cuando la casa es "un precio de venta". Mi conocimiento del mercado único le mantendrá un paso adelante de la competencia "en la caza de su hogar".
En un mercado de vendedores . No es raro ver varias ofertas en una propiedad, ofrece completo-precio y ofrece incluso por encima de los precios. Por otro lado, durante el mercado de un comprador "hay más casas en venta que compradores. Esto nos da más margen para negociar como las casas están tomando más tiempo para vender.
Paso 5 - Encuentra tu casa ideal
Estoy seguro de que encontrará su casa de ensueño. Cuando lo hacemos, voy a poner juntos la oferta de compra a medida para sus necesidades, incluyendo contingencias pertinentes (tales como la obtención de financiación, inspección de la casa favorables, titulo limpio, etc.)
La oferta se presenta normalmente con "dinero de buena fe". Este es un depósito en efectivo hecho a un vendedor de la vivienda para garantizar una oferta para comprar la propiedad. El importe se aplica a los costos de cierre. Si el vendedor acepta la oferta, por lo general se lleva a cabo el cierre 30 a 60 días a partir de la fecha de oferta (por lo general depende del tiempo de su financiamiento a la vivienda).
Paso 6 - negociar el acuerdo
No es raro recibir una contraoferta cuando la oferta inicial de compra se somete. No deje que esto lo desanime. Vamos a discutir la contra-oferta y decidir si acepta o no la oferta de venta, presentar nuestra oferta propia del mostrador o rechazar la contraoferta y seguir adelante.
Las condiciones del mercado tendrá un papel en la agresividad con que negociar el acuerdo. También vamos a trabajar dentro de sus límites. Las emociones pueden conducir a remordimiento del comprador. Es mejor establecer límites antes de negociar una oferta y se adhieren a estos límites.
Paso 7 - Obtener un Préstamo
Durante el período de cierre, que va a trabajar con su prestamista hipotecario para cerrar el préstamo. Puesto que usted pre-calificado para el préstamo antes de empezar su búsqueda a casa, le resultará mucho más cerca del final. Voy a recopilar la información necesaria de propiedad a su prestamista tendrá que cerrar el préstamo.
Paso 8 - Cierre el trato
Usted recibirá un "cálculo de buena fe" de los costos de cierre en el momento de presentar la solicitud de préstamo al prestamista. La estimación se basa en la experiencia del oficial de préstamo y puede no incluir todos los costos de cierre. Estaré encantado de revisar la "Estimación de Buena Fe," responder a las preguntas que faltan y poner de relieve los costos y las estimaciones que creo que es bajo.
Paso 9 - En Mover
¡Felicitaciones! Es hora de mudarse a su nueva casa y convertirla en su hogar. Disfruta de este emocionante momento. Te daré una lista de comprobación para ayudarle a recordar los numerosos detalles que harán de su día de la mudanza un placer.
9 STEPS TO NEW HOME BUYERS
Step - 1 Make the Decision to Buy
It seems obvious, but it's good to note that the first step to buying a house is making the decision to buy. Consider the reasons you want a new house and write them down. Determine how long you want to live in the new house - does buying still make good financial sense? Can you afford a house that will meet your list of requirements? A good rule of thumb is your mortgage payment should not exceed 1/3 of your net monthly income.
Step 2 - Seek Professional Guidance
I'd like to schedule a time to meet with you to hear the reasons you want to buy a house and your plans for the future. We'll talk about neighborhoods, schools, economic factors liable to affect the market today and tomorrow, as well as how you would like your house and neighborhood to grow with you.
At this time, I will also help you get pre-qualified for a mortgage loan. Pre-qualification is a written statement from a loan officer indicating his or her opinion that you will be approved for a mortgage loan up to a certain amount. The fact that you are pre-qualified will help us when we are negotiating the deal.
Step 3 - Begin the Hunt
After our initial meeting, I'll search all my resources for houses on the market that fit your criteria. I'll preview these houses to eliminate the duds. Then, I'll schedule appointments to tour the houses at times convenient to you.
As we tour houses, I'll point out positive features and negative features. I'll ask you to tell me what you like and what you don't like. You'll probably amend your "wish list" as we tour houses, some things will become more important and others less important. With this new information, I'll refine our search criteria to narrow in on the house of your dreams.
Step 4 - Know the Market
My knowledge of the local market is an essential factor in the house search. I'll let you know when the market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and allows for thoughtful consideration.
As we tour houses, I'll let you know when the asking price has negotiating room and when the house is "priced to sell". My unique market knowledge will keep you a step ahead of the "house hunting competition".
In a "seller's market". It is not unusual to see multiple offers on a property, full-price offers and even above-price offers. On the flip side, during a "buyer's market" there are more houses for sale than buyers. This gives us more negotiating room as houses are taking longer to sell.
Step 5 - Find Your Dream House
I'm confident we'll find your dream house. When we do, I'll put together the purchase offer tailored for your needs including appropriate contingencies (such as obtaining financing, favorable home inspection, clear title, etc.).
The offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn around time of your mortgage financing).
Step 6 - Negotiate the Deal
It is not uncommon to receive a counter offer when the initial purchase offer is submitted. Don't let this discourage you. We will discuss the counter offer and decide whether or not to accept the counter offer, submit our own counter offer, or reject the counter offer and move on.
Market conditions will play a role in how aggressively we negotiate the deal. We will also work within your limits. Emotions can lead to buyer's remorse. It is better to set limits prior to negotiating an offer and stick to these limits.
Step 7 - Get a Loan
During the closing period, you will be working with your mortgage lender to close the loan. Since you pre-qualified for the loan before starting your home search, you will be that much closer to the end. I'll gather the necessary property information your lender will need to close the loan.
Step 8 - Close the Deal
You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low.
Step 9 - Move In
Congratulations! It's time to move into your new house and make it your home. Enjoy this exciting time. I'll give you a checklist to help you remember the numerous details that will make your moving day a pleasure.
Mr Country Club
It seems obvious, but it's good to note that the first step to buying a house is making the decision to buy. Consider the reasons you want a new house and write them down. Determine how long you want to live in the new house - does buying still make good financial sense? Can you afford a house that will meet your list of requirements? A good rule of thumb is your mortgage payment should not exceed 1/3 of your net monthly income.
Step 2 - Seek Professional Guidance
I'd like to schedule a time to meet with you to hear the reasons you want to buy a house and your plans for the future. We'll talk about neighborhoods, schools, economic factors liable to affect the market today and tomorrow, as well as how you would like your house and neighborhood to grow with you.
At this time, I will also help you get pre-qualified for a mortgage loan. Pre-qualification is a written statement from a loan officer indicating his or her opinion that you will be approved for a mortgage loan up to a certain amount. The fact that you are pre-qualified will help us when we are negotiating the deal.
Step 3 - Begin the Hunt
After our initial meeting, I'll search all my resources for houses on the market that fit your criteria. I'll preview these houses to eliminate the duds. Then, I'll schedule appointments to tour the houses at times convenient to you.
As we tour houses, I'll point out positive features and negative features. I'll ask you to tell me what you like and what you don't like. You'll probably amend your "wish list" as we tour houses, some things will become more important and others less important. With this new information, I'll refine our search criteria to narrow in on the house of your dreams.
Step 4 - Know the Market
My knowledge of the local market is an essential factor in the house search. I'll let you know when the market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and allows for thoughtful consideration.
As we tour houses, I'll let you know when the asking price has negotiating room and when the house is "priced to sell". My unique market knowledge will keep you a step ahead of the "house hunting competition".
In a "seller's market". It is not unusual to see multiple offers on a property, full-price offers and even above-price offers. On the flip side, during a "buyer's market" there are more houses for sale than buyers. This gives us more negotiating room as houses are taking longer to sell.
Step 5 - Find Your Dream House
I'm confident we'll find your dream house. When we do, I'll put together the purchase offer tailored for your needs including appropriate contingencies (such as obtaining financing, favorable home inspection, clear title, etc.).
The offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn around time of your mortgage financing).
Step 6 - Negotiate the Deal
It is not uncommon to receive a counter offer when the initial purchase offer is submitted. Don't let this discourage you. We will discuss the counter offer and decide whether or not to accept the counter offer, submit our own counter offer, or reject the counter offer and move on.
Market conditions will play a role in how aggressively we negotiate the deal. We will also work within your limits. Emotions can lead to buyer's remorse. It is better to set limits prior to negotiating an offer and stick to these limits.
Step 7 - Get a Loan
During the closing period, you will be working with your mortgage lender to close the loan. Since you pre-qualified for the loan before starting your home search, you will be that much closer to the end. I'll gather the necessary property information your lender will need to close the loan.
Step 8 - Close the Deal
You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low.
Step 9 - Move In
Congratulations! It's time to move into your new house and make it your home. Enjoy this exciting time. I'll give you a checklist to help you remember the numerous details that will make your moving day a pleasure.
Mr Country Club
FHA
Home buyers as of today FHA loans require a 640 Fico credit score instead of 620
Have 30 days before the money in your bank account.
The house should be used as primary residence.
Have 30 days before the money in your bank account.
The house should be used as primary residence.
Tuesday, July 20, 2010
Sunday, July 18, 2010
Buy while thinking of selling
When you buy a house on the market today, think about how you would sell in about three year later. Ask an expert, about the annual market growth in the area where you want to buy.
Time to Buy in Weston
Market Real Estates in Weston in 2010 continues to maintain 35% over the rest of the Florida market.
Saturday, July 17, 2010
Weston FL Real Estates: Weston Sale
Weston FL Real Estates: Weston Sale: "Weston Home Values Weston, FL Homes for Sale Get this widget"
Monday, July 12, 2010
Sunday, July 11, 2010
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