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Real estate foreclosures information from Answerbag Real estate foreclosures What you need to know about buying property that has been foreclosed Home » Index » Real estate » Foreclosures Questions What is a foreclosure? Are foreclosures an option? What are problems buying foreclosures? What types of foreclosure are there? How do you get financing for a foreclosure? What happens at a trustee sale? How do you find government-repossessed homes? Can I get a HUD home for as little as $100 down? Where can I find foreclosures? Do I have to buy HUD homes through a realty agent? Where do I learn about HUD foreclosures? How does a home go into foreclosure? What happens at a trustee sale? How bad is a previous foreclosure on credit? What makes a newspaper "the newspaper of record" in a given state? Who takes care of delinquent property taxes that have been previously sold at tax certificate sale for prior years? Am I responsible for any liens that were on a foreclosed property before I had purchased it? I have the policy of title insurance. In the normal home buying process, issues found during the home inspection allow you to back out of the purchase. Does this apply to foreclosures also? How long does foreclosure take? Where can I find an example of a letter to send to home owner's who are facing forclosure asking them if they would like to sell before their home is forclosed on? If a bank initiates a foreclosure on a property which also has an IRS lien, and the bank ends up buying back the property for the amount of the unpaid loan, does the bank also have to satisfy the IRS lien? Can you use a prequalification letter to secure a bid on a property that has been foreclosed on by a mortgage company at the county sale? » Ask a question What is a foreclosure? (100%, 2 ratings) submitted by Andersen777 ( A++ , 99%, 1854 ratings), Apr 27, 04 A foreclosure is a legal procedure whereby a lender gains title or sells a mortgagors after he or she does not pay it in order to satisfy all or part of the unpaid debt (legal definition). Layman's terms: Essentially, due to lack of payments, the property is repossessed by the lender. The property is then re-sold as foreclosed. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top Are foreclosures an option? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 A foreclosure property is a home that has been repossessed by the lender because the owners failed to pay the mortgage. Thousands of homes end up in foreclosure every year. Economic conditions affect the number of foreclosures, too. Many people lose their homes due to job loss, credit problems or unexpected expenses. It is wise to be cautious when considering a foreclosure. Many experts, in fact, advise inexperienced buyers to hire an expert to take them through the process. It is important to have the house thoroughly inspected and to be sure that any liens, undisclosed mortgages or court judgments are cleared or at least disclosed. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top What are problems buying foreclosures? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 Buying directly at a legal foreclosure sale is risky and dangerous. It is strictly caveat emptor ("Let the buyer beware"). The process has many disadvantages. There is no financing; you need cash and lots of it. The title needs to be checked before the purchase or the buyer could buy a seriously deficient title. The property's condition is not well known and an interior inspection of the property may not be possible before the sale, says Wiedemer. In addition, only estate (probate) and foreclosure sales are exempt from some states? disclosure laws. In both cases, the law protects the seller (usually an heir or financial institution) who has recently acquired the property through adverse circumstances and may have little or no direct information about it. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top (0 ratings) submitted by Team Jackson (0%, 0 ratings), Nov 17, 05 There is however a difference in Sheriff Sale auction homes and REO foreclosure homes The ones up for auction are risky, no access, owners usually still in them, not sure the condition of the home b4 you bid Of course if the price is LOW enough then who cares REO homes have been auctioned to the bank, cleaned out, and listed with an REO agent in the area. Some of these will be priced high others will be dirt cheap, and you can go look inside them They are all sold AS IS, you can do an inspection but cannot use it to get out of the contract should you find something wrong. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top What types of foreclosure are there? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 Judicial foreclosure action is a proceeding in which a mortgagee, a trustee or another lien holder on property requests a court-supervised sale of the property to cover the unpaid balance of a delinquent debt. Non-judicial foreclosure is the process of selling real property under a power of sale in a mortgage or deed of trust that is in default. In such a foreclosure, however, the lender is unable to obtain a deficiency judgment, which makes some title insurance companies reluctant to issue a policy. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top How do you get financing for a foreclosure? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 One reason there are few bidders at foreclosure sales is that it is next to impossible to get financing for such a property. You generally need to show up with cash and lots of it, or a line of credit with your bank upon which you can draw cashier's checks. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top What happens at a trustee sale? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 Trustee sales are advertised in advance and require an all-cash bid. The sale is usually conducted by a sheriff, a constable or lawyer acting as trustee. This kind of sale, which usually attracts savvy investors, is not for the novice. In a trustee sale, the lender who holds the first loan on the property starts the bidding at the amount of the loan being foreclosed. Successful bidders receive a trustee's deed. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top How do you find government-repossessed homes? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 The U.S. Department of Housing and Urban Development acquires properties from lenders who foreclose on mortgages insured by HUD. These properties are available for sale to both homeowner-occupants and investors. You can only purchase HUD-owned properties through a licensed real estate broker. HUD will pay the broker's commission up to 6 percent of the sales price. Down payments vary depending on whether the property is eligible for FHA insurance. If not, payments range from the conventional market's 5 to 20 percent. One caution. HUD homes are sold "as is," meaning limited repairs have been made but no structural or mechanical warranties are implied. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top Can I get a HUD home for as little as $100 down? (100%, 2 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 If you are strapped for cash and looking for a bargain, you may be able to buy a foreclosure property acquired by the U.S. Department of Housing and Urban Development for as little as $100 down. With HUD foreclosures, down payments vary depending on whether the property is eligible for FHA insurance. If not, payments range from 5 to 20 percent. But when the property is FHA-insured, the down payment can go much lower. Each offer must be accompanied by an "earnest money" deposit equal to 5 percent of the bid price, not to exceed $2,000 but not less than $500. The U.S. Department of Veterans Affairs also offers foreclosure properties which can be purchased directly from the VA often well below market value and with a down payment amount as low as 2 percent for owner-occupants. Investors may be required to pay up to 10 percent of the purchase price as a down payment. This is because the VA guarantees home loans and often ends up owning the property if the veteran defaults. If you are interested in purchasing a VA foreclosure, call 1-800-827-1000 to request a current listing. About 100 new properties are listed every two weeks. You should be aware that foreclosure properties are sold "as is," meaning limited repairs have been made but no structural or mechanical warranties are implied. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) User comments eric soto : very useful, thanks for the phone # » Add new answer » Add new question » Email me when a new answer is posted » Top (0 ratings) submitted by Team Jackson (0%, 0 ratings), Nov 17, 05 Now days you can pretty much buy anything for no money down There are even programs out there for investors with 0 Down to use on duplexs and 4 families This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top Where can I find foreclosures? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 In most states, a foreclosure notice must be published in the legal notices section of a local newspaper where the property is located or in the nearest city. Also, foreclosure notices are usually posted on the property itself and somewhere in the city where the sale is to take place. When a homeowner is late on three payments, the bank will record a notice of default against the property. When the owner fails to pay up, a trustee sale is held, and the property is sold to the highest bidder. The financial institution that has initiated foreclosure proceedings usually will set the bid price at the loan amount. Despite these seemingly straightforward rules, buying foreclosures is not easy as it may sound. Sophisticated investors use the technique so novices may find themselves among stiff competition. Resources: * "The Smart Money Guide to Bargain Homes, How to Find and Buy Foreclosures," James I. Wiedemer, Dearborn Financial Publishing, Chicago; 1994. * "Real Estate Principles," Charles O. Stapleton III, Thomas Moran and Martha R. Williams, Dearborn Financial Publishing, Chicago; 1994. * "Real Estate Investing From A to Z," William H. Pivar, Probus Publishing, Chicago, 1993. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top (0 ratings) submitted by Team Jackson (0%, 0 ratings), Nov 17, 05 For auctions go to your local courthouse For REO homes go to a site like foreclosure.com or find a broker like me in your area, I pay for the site and get all the info then i post a list weekly by email to hundreds of investors in the area FREE. Look around there is always a guy like me This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top Do I have to buy HUD homes through a realty agent? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 You can only purchase a U.S. Department of Housing and Urban Development property through a licensed real estate broker. HUD will pay the broker's commission up to 6 percent of the sales price. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top Where do I learn about HUD foreclosures? (100%, 2 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 9, 03 One good source is their Web page http://www.hud.gov This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top How does a home go into foreclosure? (75%, 1 rating) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 10, 03 (Answer last edited on Jul 5, 05) Foreclosure proceedings usually begin after a borrower has skipped three mortgage payments. The lender will record a notice of default against the property. Unless the debt is satisfied, the lender will foreclose on the mortgage and proceed to set up a trustee sale. For more questions or to learn about foreclosure prevention and information... http://www.propertyinvestmentadvisor.com/stop-foreclosure.html. To learn about foreclosure investing try here... http://www.propertyinvestmentadvisor.com This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) User comments Anonymous : kind of sketchy to those of us who really know nothing of real estate. » Add new answer » Add new question » Email me when a new answer is posted » Top What happens at a trustee sale? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 10, 03 Trustee sales are advertised in advance and require an all-cash bid. The sale is usually conducted by a sheriff, a constable or lawyer acting as trustee. This kind of sale, which usually attracts savvy investors, is not for the novice. In a trustee sale, the lender who holds the first loan on the property starts the bidding at the amount of the loan being foreclosed. Successful bidders receive a trustee's deed. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top How bad is a previous foreclosure on credit? (0 ratings) submitted by Real Estate Guy ( A , 97%, 58 ratings), Sep 10, 03 A property foreclosure is one of the most damaging events in a borrower's credit history. In terms of the effect on credit history, a deed in lieu of foreclosure or a short sale is not as adverse an event as is a forced foreclosure. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top What makes a newspaper "the newspaper of record" in a given state? » Add new answer » Add new question » Email me when an answer is posted » Top Who takes care of delinquent property taxes that have been previously sold at tax certificate sale for prior years? » Add new answer » Add new question » Email me when an answer is posted » Top Am I responsible for any liens that were on a foreclosed property before I had purchased it? I have the policy of title insurance. (100%, 1 rating) submitted by breadmanpaul ( A+ , 97%, 219 ratings), Sep 21, 05 Your title insurance provides you with clear title to the property. You cannot obtain clear title without in some way dealing with all existing liens. When you purchased the property, you very likely paid off all of the liens. If there are still liens against the property that were there before you purchased the property, then you do not have clear title. If you have evidence of any existing liens, then take them to the title company that provided you with title insurance. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top (0 ratings) submitted by Team Jackson (0%, 0 ratings), Nov 17, 05 No... example Sold woman a reo home in Feb of this year had back taxes for 02, 03, 04 due 04 was paid at closing title company mistake now assessor wants 02 and 03 or will tax foreclose title insurance company just paid the assessor they are your insurance that ALL title is clear up to the contract phase then make sure you get a gap for the remainder This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top In the normal home buying process, issues found during the home inspection allow you to back out of the purchase. Does this apply to foreclosures also? (0 ratings) submitted by DARON J ( A- , 86%, 80 ratings), Nov 29, 04 Normally the sell of a forclosure is "as is" . This is supposed to be stated in the realestate listing. If this is the case then you would lose your earnest money if you back out of the contract. This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top How long does foreclosure take? (0 ratings) submitted by Team Jackson (0%, 0 ratings), Nov 17, 05 Most banks will let you be default for 12 months then they will start the procedure for auction this usually takes 90 days before its over and they are evicted depends on each area and the local laws This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top Where can I find an example of a letter to send to home owner's who are facing forclosure asking them if they would like to sell before their home is forclosed on? » Add new answer » Add new question » Email me when an answer is posted » Top If a bank initiates a foreclosure on a property which also has an IRS lien, and the bank ends up buying back the property for the amount of the unpaid loan, does the bank also have to satisfy the IRS lien? (0 ratings) submitted by Team Jackson (0%, 0 ratings), Nov 17, 05 Yes all liens must be clear to resell the property with clear title This answer is ( useful ¤ somewhat useful ¤ incorrect ¤ offensive/spam ) » Add new answer » Add new question » Email me when a new answer is posted » Top Can you use a prequalification letter to secure a bid on a property that has been foreclosed on by a mortgage company at the county sale? » Add new answer » Add new question » Email me when an answer is posted » Top » Ask a question » Send me updates Important: Answerbag cannot guarantee the accuracy of answers submitted by members, and we recommend that you use common sense when following any advice found here. Full disclaimer User tools » Ask a question » Send me updates » Send to a friend » Show in text format » RSS Feed Glossary · NOD » Add new term Related Links No links submitted yet » Add new link Answerbag experts on Real estate foreclosures 1. Andersen777 ( A- , 100%, 2 ratings) 2. 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Land and Country Property for Sale - Rural index SEARCH THE INDEX Accommodation Activity Holidays Agriculture Antiques Art Bed & Breakfast Birdwatching Business Help Campaigning Camping Career Opportunities Catering Contractors Cleaning Services Climbing Conservation Contractors Cottages Counselling Services Cycling Crafts Debt Advice Diversification Education & Training Employment Entertainment Equestrian Estate Agents Farm Accommodation Farm Markets & Produce Farming Fishing Food Furniture Gardening Government Organisations Heritage Holistic Treatments Horses Hunting Jewellery Land Services Land for sale Livestock Looking for Love? 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NATIONAL RETURN TO INDEX Acting for the discerning buyer - Sands Home Search Agents Looking to buy a Country, Equestrian, Farm, Waterside or Hotel property in England, Wales, The Channel Islands or Western France? We act exclusively for the property buyer/renter and we search to order to find the right property at the right price for you. Whether you have £500,000 or £5Million to spend, we will find the property you are searching for. August Home Finders Offers a totally independent rural homesearch service throughout the UK. They act solely for you, the homebuyer, finding and securing all styles of rural properties, from cottages to manor houses. Bidwells Rural division Founded in 1840, Bidwells is the largest independent UK firm of property consultants outside London. Bidwells Rural division is acknowledged as one of the country's leading practices, with an established reputation for the letting, marketing and acquisition of estates, farms and country properties. Chiltern Estates Services: Residential and Commercial Sales; Long-term and Short-term Lets; Property Management; Relocation; Acquisitions; and Financial Services Clark Scott-Harden Chartered Surveyors and Property consultants dealing with agricultural commercial and residential property throughout the UK. Specialists in property management, sales, valuation and litigation. Contains information on building surveying, sporting, valuation dispute resolution, planning and design, farms, forests, commercial property. FarmLandXchange.com is a land intelligence database designed to help UK farmers and landowners overcome problems of fragmentation.Members can register to sell, buy or rent land and receive confidential feedback. Farmsearch Rural Properties & Professionals at your fingertips. A centralised national register of rural and agricultural property. 1/2% - Halfapercent - 'Live' Website of UK Property for sale and to rent The AWARD WINNING Estate Agents Halfapercent, who are London's largest online Estate Agency, are now selling rural properties. Halfapercent visit & produce full details, including virtual video tours. They market the properties to their existing London based clients looking to move to the Countryside and online to all internet users, via their extensive network. Sales Fees from only 0.5%. Lettings Fees from only 5%. Hawthorn Associates Land sales agents specialising in larger plots of land for sale - with and without planning permission. Home Free Home Selling or buying your home nationwide could not easier! No fees, commissions or agency charges. House ladder Don't pay estate agents £1000s in commission. Privately sell or let your home. Jackson-Stops & Staff Established in 1910 covering The Borders to Lands End. 31 offices across the U.K, an established Country Agency specialising in the sale of all kinds of rural property from Cottages to true Country Houses, Farms, Smallholdings and Equestrian property. Particular expertise in Equine property. Jon Drew-Smyth e Over 25 years of experience in the Country Property market both with an old established local firm and with one of the major National Country House and Farm Agents. Covers an area very broadly which includes all of Buckinghamshire, East Oxfordshire, West Hertfordshire, South Bedfordshire and South Northamptonshire. Advertise widely in the local press and regularly advertise in Country Life, Horse and Hound, Farmers Weekly and in National newspapers. 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Our country property search agency, Sands Home Search will provide property search, negotiation & purchase assistance to private buying clients. For property sellers we will market your property to a wide audience of potential buyers (and in a confidential manner if required). All our properties are advertised on www.PrimeLocation.com. Premier Farm & Equestrian Property Sales We focus exclusively on matching buyers and sellers with some of the UK's most desirable Farm, Small Holding & Equestrian properties, typically in the range £500k - £10m. We have access to a private client bank which contains many properties which are being confidentially or privately marketed. Our farm property search agency, Sands Home Search will provide property search, negotiation & purchase assistance to private buying clients. For property sellers we will market your property to a wide audience of potential buyers (and in a confidential manner if required). All our properties are advertised onwww.PrimeLocation.com. Private Property People! Sell your property privately in the UK for £9.99 a month and we will submit your advert to the UKs leading property sites. We do not charge commission on completion, saving you thousands! Profile Homes Estate agents in Wales, specialising in country and equestrian properties. Smallholdings, farms, businesses, estates, rural property with land for sale (large or small acreages). Properties for rent Savills offers houses and flats for rent in London and the UK. PropertyBanking.com is the online resource for help and information on buying properties in this country and abroad, including market trends, interest rates and advice on finance management. PropertySpy PLC - Land for sale Freehold land for sale in London, Home counties and other prime areas of UK. Recreational Land - Specialist UK Land Agents Offers land for sale in the UK. Specialising in recreational land but also arable, equestrian etc. Advice on land buying and up to date news. RH & RW Clutton Chartered Surveyors & Land Agents are an independant limited liablity partnership providing a complete range of property services to Homeowners and Landowners from strategically located offices. Rural Scene Sell Commercial Farms, Smallholdings, Equestrian Properties, Residential Holdings, Properties with Leisure Facilities, Holiday Income or Potential. Strutt & Parker Leading independent property consultants for commercial, residential and rural property and land management advisors. National network of 23 offices employing a team of over 500 personnel. Studio 103 Detailing many useful links to numerous property sites nationwide. The County Homesearch Company Has been assisting property buyers for over ten years and currently has a network of over 30 offices throughout the UK as well as in Ireland, Spain, The Balearics and The Algarve. The company works only on behalf of property buyers and/or tenants. This provides much needed balance to the business of house purchasing which until recently left buyers largely on their own to face vendors and their estate agents. The Rural Property Index Britain's directory of country property, providing an i nexpensive platform for land agents; estate agents; letting agents and individuals to promote and find rural property lets and sales. Register your 'want' free of charge for three months. Top 4... Find just what you're looking for at Top 4 property sites. A selection of the best esate agent sites on the web. UK Plot Sales - Land for Sale . UK Plot Sales offers plots of land for sale with high development and planning potential. 24 Hour Property Selling or buying, estate agents investment, auctions and buy to let White Developments acquire land and offer it for development or investment to our clients. Our experience enables us to identify prime development land at an affordable price, with a variety of locations on offer. COTSWOLDS RETURN TO INDEX Butler Sherborn A recognised and well-deserved reputation as the principal specialist in their markets in the Cotswolds and the surrounding Counties. The firm provides a comprehensive professional service specialising in farm, land and estate management, and rural consultancy. The agency department has particular expertise in the sale, valuation and purchase of country houses, cottages, farms and estates as well as providing a lettings and residential managment department. Cotswold Estate Agents A privately owned independent estate agent with many years experience in selling properties in the local area. ENGLISH BORDERS RETURN TO INDEX David Parry & Co Estate Agents Specialise in properties in the counties of Herefordshire, Shropshire, Powys, Ceredigion, Carmarthenshire, Pembrokeshire and Monmouthshire! Foster Maddison Chartered Surveyors, Valuers and Estate Agents specialising in the sale and rental of rural, residential and commercial property throughout Northumberland, County Durham and Tyneside. NORTH WALES RETURN TO INDEX Denton Clark & Co Established in 1947, Denton Clark and Company enjoy an excellent reputation as one of the leading property agents in the North West of England and North Wales. The firm offers an integrated range of rural, farming and property management services by combining the activities of specialist department. SOUTH EAST RETURN TO INDEX Calcutt Maclean Standen covering the sale of country and village houses in Kent and East Sussex, the letting of houses, cottages and flats in Kent, the valuation and sale by auction of fine art and collectibles and specialist country house insurance. SOUTHERN ENGLAND RETURN TO INDEX Equus Country and Equestrian The Leading Specialists for Country and Equestrian Properties throughout Kent, Sussex, Surrey and Hampshire. 1/2% - Halfapercent - 'Live' Website of UK Property for sale and to rent The AWARD WINNING Estate Agents Halfapercent, who are London's largest online Estate Agency, are now selling rural properties. Halfapercent visit & produce full details, including virtual video tours. They market the properties to their existing London based clients looking to move to the Countryside and online to all internet users, via their extensive network. Sales Fees from only 0.5%. Lettings Fees from only 5%. CHURCHILL COUNTRY AND EQUESTRIAN ESTATE AGENT The longest established equestrian specialist involved in the selling, purchase, renting and valuation of country houses with land and equestrian facilities in Sussex, Surrey and Hampshire. Simon V Ellis FRICS Simon Ellis is a Chartered Surveyor of many years' experience in Rural Property, specialising in the Sale, Letting, Acquisition and Valuation of Country, Farm and Equestrian Property in Hampshire, Surrey & Sussex Southern Equestrian Properties A specialist equestrian estate agent for people with horses. Handling equestrian properties for sale in Bucks, Oxon, Wilts, Berks, Hants and the Isle of Wight. Woolley & Wallis The leading specialist farm, rural and equestrian, estate agents for central and southern England. EAST ANGLIA RETURN TO INDEX Brown & Co Approaching 10 years of age the Partnership of Brown & Co now has 21 members assisted by over 120 professionals and support staff working from nine offices throughout East Anglia and the East Midlands, as well as on an International scale with an office in Torun, Poland. Having acted in the sale or purchase of over 250,000 acres, they also provide consultancy advice on over 350,000 acres. Cheffins Agricultural Covering Ely and Cambridgeshire, Cheffin's expertise as land agents and professional valuers is the fulcrum on which the entire business is hinge.. All partners and staff are qualified and experienced to advise in the sale, purchase and valuation of farms and land. They also advise on land usage for both owners and developers, help create development strategies, and guide development plans, sales and future lettings East Anglia Equestrian Properties The specialist equestrian property agent for East Anglia and its surrounding counties Beds, Cambs, Essex, Lincs, Norfolk, Northants & Suffolk Home finders for Norfolk, Suffolk and Essex As the UKs leading independent home-finding service, we can access properties not available on the open market. We'll save you time by searching & viewing for you - and we'll negotiate a keen price. Lincolnshire Homesearch Relocation agents finding period or modern homes, houses and property for those seeking to Purchase or Rent in the County of Lincolnshire and surrounds. You might be looking to move following a change of work or business location, or seeking a weekend retreat or retirement home in the country or by the sea, or a second or investment property. You could be looking for a short term Holiday Let. SCOTLAND RETURN TO INDEX Aberdeen and Northern Estates Amulti disciplined team of chartered surveyors, providing a broad range of rural and commercial property services throughout the North of Scotland. Bradburne & Co. Fife based independant firm of Chartered Surveyors and Estate Agents offering a personal and prompt service, specialising in the residential and rural property sectors. Brodies in Edinburgh View a selection of Brodies' prime properties (residential, agricultural and fishings) for sale and to let throughout Scotland. CKD Finlayson Hughes Specialise in private purchases, sales and rental of prime sporting and agricultural estates, residential and commercial property throughout Scotland. Estate Management Services Land agents, estate and property consultants, building surveying, town & country planning, environmental impact issues. UKLandSale.com Welcome to a www.uklandsale.com, it is an effort to build an online market place to help the prospective property owners and the buyer intrested in uk land investments to interact directly online. WEST WALES RETURN TO INDEX Evans Bros Property specialists covering Carmarthen; Swansea; Aberaeron; Lampeter; and Aberystwyth. Residential; smallholdings; farms; building plots and commercial property. Profile Homes Estate agents in Wales, specialising in country and equestrian properties. Smallholdings, farms, businesses, estates, rural property with land for sale (large or small acreages). The Smallholding Centre Specialise in the sale of smallholdings, farms and rural properties throughout the West Wales Area. Mortgages arranged and Reduced Rate Structural Surveys also undertaken. SOUTH WEST RETURN TO INDEX Foxwells Specialise in equestrian and country or rural property in the counties Somerset, Dorset, Devon and Cornwall. Guy Sherratt Based in Devon and covering the whole of the south west (Devon, Cornwall, Somerset and Dorset) as well as South Wales and Gloucestershire, theyspecialise in the sale of a wide range of rural properties, properties with land and equestrian properties. Hosegood Ford An independent firm of Chartered Surveyors Auctioneers and Estate Agents based in Williton, Somerset.The principal and staff of the firm are all experienced people who have been dealing with the sale of residential, agricultural and equestrian properties throughout West Somerset for a considerable number of years. 1/2% - Halfapercent - 'Live' Website of UK Property for sale and to rent The AWARD WINNING Estate Agents Halfapercent, who are London's largest online Estate Agency, are now selling rural properties. Halfapercent visit & produce full details, including virtual video tours. They market the properties to their existing London based clients looking to move to the Countryside and online to all internet users, via their extensive network. Sales Fees from only 0.5%. Lettings Fees from only 5%. Miller & Son Estate agents for the sale or letting of domestic and commercial premises in the South West. Recoco A relocation agency which provides a personal property service, home purchasing service and a house finding service based in the southwest of england. A cottage by the sea - somewhere to sail, to escape, to dream... Stags An independent, multi-disciplined Partnership with 13 offices throughout the West Country. The London Office, situated in Pall Mall and providing the strategic London marketing arm, completes the picture - providing a London showcase for West Country properties. 13 offices in Devon, Somerset and Cornwall, well known for handling the sale of Agricultural and Rural Properties: Farms, Country Houses and Estates Symonds & Sampson Chartered Surveyors, Estate Agents and Auctioneers - Dorset, Devon, Somerset, Wiltshire and at The London Office. Services include the sale of residential, agricultural and commercial property; lettings; building surveys and general valuations; machinery and livestock auctions; sale and lease of quotas; farm finance; farm management; planning and professional advice. MIDLANDS RETURN TO INDEX Godfrey-Payton An independent multi-disciplinary private practice of Chartered Surveyors operating throughout the broad spectrum of the Midlands' property market. 3 offices at Warwick, Coventry, and Market Harborough, offering a totally comprehensive range of professional services covering all types of property be it residential, commercial or agricultural, at very competitive rates EQUESTRIAN SPECIALISTS RETURN TO INDEX Churchill Country and Equestrian Estate Agents Specialising in properties with land, country estates, riding schools, livery yards, equestrian centres, private and commercial properties throughout the United Kingdom. For houses for horses contact Churchills. Land Portal uses local contacts to develop an exclusive network of 47 locations across the UK with Arable and Equestrian Land for Sale. Michael Martin Specialist equestrian estate agent for property with land and stables in the UK. Premier Equestrian & Rural Homes We focus exclusively on matching buyers and sellers with some of the UK's most desirable Equestrian, Farm and Rural properties, typically in the range £500k - £10m. We have access to a private client bank which contains many properties which are being confidentially or privately marketed. Our equestrian property search agency, Sands Home Search will provide property search, negotiation & purchase assistance to private buying clients. For property sellers we will market your property to a wide audience of potential buyers (and in a confidential manner if required). All our properties are advertised on www.PrimeLocation.com Southern Equestrian Properties A specialist equestrian estate agent for people with horses. Handling equestrian properties for sale in Bucks, Oxon, Wilts, Berks, Hants and the Isle of Wight. UK Equestrian Properties - Specialist equestrian estate agents A group of individual equestrian property sales offices working to the successful formula defined by East Anglia Equestrian Properties, that of - 'Horsey' people with regional experience selling property for 'Horsey' people. From this perspective - Our mission is to offer the best possible levels of customer service and support to provide you with a rewarding experience in either the selling or buying process that you will want to recommend to your friends. Windsor Clive International Specialising in the sale, purchase, valuation and letting of stud farms and property suitable for horses, particularly in Great Britain, Ireland and France. Just Visiting Accommodation | Cottages | Entertainment | Rural B&Bs | Tourist Guides | Walking & Camping | Outdoor Activities | Gardening Business Ask Adams | Total Tracking | The Credithelpline | Agriculture & Land Management | Land Services | Livestock | Machinery | New & Alternative Enterprises | Small Business Help | Personal Help & Advice | Specilaist Property | Land and property for Sale | Total Numbers | Railclips | Market Place Farmers Markets | Art & Crafts | Employment Environment Natural History | Heritage | Rural Campaigning Rural Pursuits Fishing | Equestrian | Shooting | Hunting | Government Organisations | Personal Sites HOME | Add Your Site | EVENTS | NEWS The Rural Index MRA 2001-2005. All rights reserved. email webmaster | publishers MRA VISIT OUR SISTER Britain's Country Property Index Britain's new directory of country property, providing an inexpensive platform for land agents; estate agents; letting agents and individuals to promote and find rural property lets and sales. BOOKMARK THIS PAGE! The UK's leading guide to Rural Britain online. Updated weekly SEARCH Google Search Site Search RURAL CHOICE Established Landscape Gardeners based in Cheshire Full aspect garden design we cater for private and commercial clients and have even been commisioned to do work for the National Trust, we are an established company and all our work is 100% gauranteed . UK Plot Sales - Land for Sale UK Plot Sales offers plots of land for sale with high development and planning potential. SITE OWNERS! Help us ensure our reviews and links are up to date. Please email with any site changes or news we may wish to highlight, quoting your registration number.

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Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages on Yahoo! Real Estate Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages Choose Location Home Homes for Sale Apartments for Rent Home Loans Moving & Insurance Tools My Real Estate Hurricane Katrina Resources Features Classifieds • Sell Your Home • Rent Your Apartment Home Loans • Mortgage Rates • Online Rate Quotes • Refinance Loans & Rates • Home Equity Loans & Rates • Free Credit Reports Resources • Find & Compare REALTORS • Find a Mover Insurance • Homeowner's Insurance • Renter's Insurance Tools • What's My Home Worth? • Research Neighborhoods • Free School Reports • Foreclosure Center • Home Service Center Commercial Real Estate • List Commercial Property National Mortgage Rates Thu Dec 29 Mtg Loan Rate APR 30-yr Fixed: 5.70% 5.88% 15-yr Fixed: 5.27% 5.57% 1-yr ARM: 4.53% 6.89% See Local Mortgage Rates Provided by Bankrate.com Neighborhood Profile Research neighborhoods nationwide! City, State, or Zip: Real Estate Listings Browse by City New! Home Loans Center - Find, Compare, & Graph Rates Find a Home Find a Rental City & State, or Zip: Price Range: $0 $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million to No limit $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million Beds: Any 1+ 2+ 3+ 4+ 5+ Baths: Any 1+ 1 1/2+ 2+ 3+ 4+ 5+ Search For: Existing Homes Yahoo! Classifieds New Homes Foreclosures Advanced Search Search Commercial Real Estate Mortgage Payments Calculate your biweekly & monthly payment for different loan amounts, interest rates and amortization terms. Loan Amount: $ Term (years): Interest Rate: % Show table?: Yes No See More Loan Calculators Sponsored Links Websites for Real Estate Agents Websites for agents with over 200 design options, IDX capabilities, marketing resources and free listing exposure on Homes.com. Try it free. www.homes.com Real Estate Web Site Realtors in Chicago and suburbs earn 100% of their commission for only $50 per month, $175 per transaction or flat fee of $100 per month. No transaction fee. Education, MLS, MLSNI. www.realpeoplerealty.com Point2 Agent Real Estate Web Sites Powerful real estate Web sites that include listing management tools, lead generators, auto responders, e-mail brochures and feature sheet generators. agent.point2.com (Become a Sponsor) Partner Spotlight Featured Sponsor Find a Local REALTOR by HomeGain • Find & Compare REALTORS • Get Home Prices Featured Videos Dream Home Videos by Inman Stories Real Estate News Financing your first real estate investment Dec 29, 2005, Inman News Top Mistakes of Home Buyers and Sellers in 2005 Dec 29, 2005, Realty Times Housing Affordability Hits 14-Year Low Dec 22, 2005, RealEstateJournal.com Home loan applications fall to over 3-1/2-yr low Dec 28, 2005, Yahoo! Finance Weekly Home Mortgage Rates (AP) Dec 28, 2005, Yahoo! News Despite Decline, Housing Still Strong Dec 28, 2005, Quicken Loans more real estate news Homes For Sale - Apartments For Rent - Current Mortgage Rates - Real Estate Agents - Local - Yellow Pages

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Coldwell Banker Residential Brokerage - Real Estate, Mortgage, Insurance, Relocation Services Property Search Find An Office Find A Sales Associate Open Houses Previews New Construction The Buying Process FAQs Recent Sales Search Find An Office Find A Sales Associate Previews New Construction The Selling Process FAQs Mortgage Services Mortgage Pre-Approval Find A Mortgage Consultant Refinancing Loan Programs The Mortgage Process Privacy Policy FAQs Insurance Services Privacy Policy FAQs Get A Moving Quote Moving Services The Moving Process Checklist FAQs Our Town Videos Corporate Services The Relocation Process International Services Employee Benefits FAQs LOGIN / REGISTER ABOUT US CAREERS CBRB CARES CONTACT US MA ME NH RI CT Min Price $0 $75,000 $100,000 $125,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 Property Type Single Family Multi-Family Condo Land Max Price $75,000 $100,000 $125,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 $3,000,000+ Search by MLS# • Previews Luxury Properties • Open Houses • New Construction • Recent Sales Receive fast personal assistance from one of our Home Resource Center Professionals. • Mortgage Pre-Approval • Your Home's Value • Get A Moving Quote • Help Selecting a Sales Associate • Over 55 Housing • Rental Services • Commercial Services May We Help You? Contact Customer Service Email Address Password Remember Me Need your password hint ? Not a member yet? Register Now to access these benefits and more: » Access all available MLS listings. » Save your search criteria. » Save individual listings. » Watch your favorite streets for new listings. » Receive daily Email Alerts. • View a sample HomeMovie • View a sample PhotoGallery • Search for an office by town. • Search for a sales associate by name. • Let us help you select a sales associate. 2005 Coldwell Banker Residential Brokerage All rights reserved. Owned and Operated by NRT, Inc. Equal Housing Opportunity, Equal Housing Lender. Unauthorized duplication, use, or linkage is prohibited. Site Map | Terms of Use | Privacy Promise

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10 Steps to Take Before You Sell Your House - Home Selling  You are here: About > Home & Garden > Home Buying / Selling > How To Sell a House > 10 Steps to Take Before You Sell Your House - Home Selling Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling Stay up to date! Email to a friend Print this page More Home Selling Articles Understanding Material Facts and Property Disclosures Get Ready for Your Home Inspection Should You Buy a Home Warranty? More Home Selling Resources How to Read the HUD-1 Settlement Statement Getting the House Ready to Sell How To Measure Your Square Footage Recent Discussions Excellent credit, no savings- help!! Buying an out of state home ? Re-financing... Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping 10 Important Steps to Take Before You Sell Your House From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Essential Home Selling Preparations The home selling process differs from state to state, but there are some important steps that most home sellers should take before listing a house with an agent or selling it for sale by owner. Every bit of prep work you do helps you get the most return from your investment. 1. Get Pre-Approved for a Home Loan I've known sellers who signed a contract to sell their house before they knew if they were qualified to buy another. Either their financial circumstances had changed since their last purchase, and they could no longer qualify for a loan, or they weren't able to sell at a price that allowed them to buy the type of replacement house they wanted. They ended up renting or buying something that was far from ideal. Before you decide to sell the house, get pre-approved by a lender you trust and research the housing market in the area where you wish to live so that you have a good idea how much it will take to buy a replacement. Start looking for two types of real estate: houses that seem to match the one you'd like to buy and houses that are similar to your current home. How do the two categories compare in price? Can you handle the difference if you're planning a step up? Mortgage Helpers: Are You Pre-Approved for a Mortgage? And to compare for-sale homes to your own, learn how to Measure Residential Square Footage . 2. Check Your Mortgage Payoff Call your lender to check the payoff for your current home mortgage. You'll need the figure to complete Step 6. 3. Determine How Much Your House Is Worth Determine your home's fair market value. Real estate agents will usually help you determine value as a courtesy, but you might take it a step further and order an appraisal . 4. Estimate Your Costs to Sell Real estate commission if you use an agency to sell. Advertising costs, signs, other fees if you plan to sell by owner. Attorney, closing agent and other professional fees. Excise tax for the sale. Prorated costs for your share of annual expenses, such as property taxes, home owner association fees, and fuel tank rentals. Any other fees typically paid by the seller in your area (surveys, inspections, etc.). Real estate agents deal with transactions every day and can give you a very close estimate of seller closing costs. 5. Estimate Costs to Buy a New Home Calculate moving expenses, loan costs, downpayment, home inspections, title work and title policy, paying for a new hazard insurance policy--all expenses related to buying a home. Your lender should give you a disclosure of estimated costs when you apply for loan pre-approval. 6. Calculate Your Estimated Proceeds Deduct your mortgage payoff from your home's fair market value. Deduct your costs to sell from the remainder to get an estimate of the proceeds you will be paid at closing. Will your closing proceeds cover your costs to buy a new home? If not, do you have cash or other funding to make up the difference? 7. Make Necessary Repairs Make all needed repairs unless you want the house to be regarded as a fixer-upper. I'm not referring to cosmetic updates--just items in need of repair. Anything that's obviously broken gives potential buyers a reason to offer you a lower price, especially if it's one of several repair hot spots that worry buyers the most. 8. Get the House Ready to Show Most houses need at least a little spiffing up before they are shown to potential buyers. Great curb appeal , fresh paint indoors (and sometimes out), organized closets and cabinets, sparkling clean windows and appliances and a clutter-free look are essential if you want the house to appeal to buyers. Be sure to avoid the things buyers hate most about houses. 9. Get Psyched Up to Let People In If you're listing with a real estate agent, she'll ask you to leave when the house is shown. Why? Because lurking sellers make buyers nervous--they don't feel comfortable inspecting the house when they feel they are intruding in your personal space. Unless there's a valid reason for it, don't ask your agent to be present for all showings, because that requirement can be the kiss of death for showing activity. Other agents want privacy with their buyers and they don't usually have time to work around your agent's schedule. Make the house accessible. That means it should always be ready to show. Many agents won't bother showing a house that takes 24 hours to get into. 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