Buy Home
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Real Estate Loan
Mortgage Mag Main Page Mortgage Mag Main Page MBA Orlando Convention! New Clips! - View the daily clips, contact us. 1.0 State Information Loans, Lenders, Jobs, Associations 2.1 Loan Leads Lead Generation, Telemarketing 2.3 Software Registry Software, Systems, Technology 2.7 Free Loan Search Engine Find a Home for a Loan 4.1 Secondary Marketing Loan Securities, Pipeline, Software 5.0 Industry News Press Releases, Events 5.1 Market Commentary Rates, Events, Calendar 5.3 MortgageMag LIVE! Multimedia, Interviews, Audio, Video 6.1 Net Branching Branching, Associative, Partnerships 6.2 LOX Loan Officer Exchange Job Seekers & Employers 6.3 Job Listings Jobs, Resume Postings and Services 6.4 Recruiter Registry Mortgage, Banking, Finance 7.0 Consulting Registry Mortgage Banking, Finance 8.0 Mortgage Forums Jobs, Branching, IT 11.1 Appraisal Registry Find an Appraiser, Services 17.0 Administration Advertise , FREE LINK! , Search , Help • Friday Update w/ Aaron Freedman Rob Hain 12/16/2005 • Friday Update w/ Aaron Freedman Rob Hain 12/9/2005 • Friday Update w/ Aaron Freedman Rob Hain 12/2/2005 • Tuesday Market Update Rob Hain 11/29/2005 • Monday Market Update Rob Hain 11/28/2005 MortgageMag Live Interviews • Impac Mortgage Group of Companies Bill Ashmore 12/15/2005 • Quality Control in Leads Seth Goldstein 12/13/2005 • More Than Just Mortgages Roger Dunker 11/29/2005 • The Freedman Report Aaron Freedman 11/22/2005 • Old School Recruiting Rob Huxtable 10/25/2005 Market News • MortgageMag will be at the MBA Orlando Convention! - 10/04/2005 • Mortgage Application Volume Down In Latest Survey - 12/21/2005 • President Expected to Sign TRIA Legislation - 12/21/2005 • Pros See No Doom, Gloom in Slowdown - 12/19/2005 Mortgage Technology • SupportTrac and TracTalk Provide Del Mar Database Customers with Online Support Tools - 12/21/2005 • Digital Map Products Partners with Aerials Express - 12/17/2005 • SupportTrac and TracTalk Provide Del Mar Database Customers with Online Support Tools - 12/17/2005 • Swiftpro recruitment software is pleased to announce the launch of two new channel partner and reseller schemes. - 12/17/2005 Fannie Mae • Fannie Mae Updates 12/16/2005 - 12/17/2005 • Fannie Mae Alerts - 12/12/2005 • Fannie Mae Alerts - 11/15/2005 • Fannie Mae Updates 11-7-2005 - 11/07/2005 Freddie Mac • Freddie Mac Updates 12/16/2005 - 12/17/2005 • Freddie Mac Updates 12/12/2006 - 12/12/2005 • Freddie Mac Alerts - 11/15/2005 • Freddie Mac Updates - 10/28/2005 Mortgage Mag Main Page Main Index 1. Loans 2. Loan Originations 3. Loan Processing 4. Mortgage Banking 5. News/Commentary 6. Jobs & Resumes 7. Consulting Registry 8. Forums/Groups 10. Real Estate 11. Property Services 12. Finance 13. Banking 14. Credit Services 15. Legal Services 16. IT/Systems 17. Administrative 18. Related Web sites 1. Loan Center 1.1 Loans by State 1.2 Lenders by State 1.3 Commercial 1.4 Note Sales 2. Loan Originations 2.1 Loan Leads 2.2 Mortgage Marketing 2.3 Lending Software 2.4 Training/Education 2.5 Mortgage Exam 2.6 Licensing 2.7 LoanSearch Engine 2.8 Advertise/Marketing 2.9 Associations 3. Loan Processing 3.1 Processing 3.2 Underwriting 3.3 Closing 3.4 Document Services 3.5 Title Services 3.6 Mortgage Services 4. Mortgage Banking 4.1 Wholesale 4.2 Correspondent 4.3 Loan Processing 4.4 Secondary Markets 4.5 Portfolio Services 4.6 Loan Administration 4.7 International 4.8 Support Services a. Warehouse Loans b. Consultants c. Software d. Govenrment 4.9 Industry Info 5. News/Information 5.1 Market Audio 5.2 Daily News 5.3 MortgageMag Live! 5.4 Lending Forums 5.5 Convention Info 5.6 PR Posting 6. Jobs & Resumes 6.1 Branching [Net] 6.2 Loan Off Exch-LOX 6.3 Jobs - Search/Post 6.4 Recruiter Database 6.5 Job Forums 6.6 Resume Search 6.7 Resume Resources 7. Consulting Registry 8. Forums/Groups 8.1 Market Commentary 8.2 Loan Requests 8.3 Commercial Loans 8.4 Broker Licensing 8.5 Loan Leads 8.6 Mortgage Banking 8.7 Software/Technology 8.8 Branching [Net] 8.9 Employment 10. Real Estate 10.1 Agents 10.2 Resources 10.3 Commercial 10.4 Rental/Apartments 10.5 Construction 11. Property Services 11.1 Appraisal Registry 11.2 Flood Services 11.3 Property Services 11.4 Insurance 11.5 Environmental 11.6 Trust Management 11.7 Mortgage Services 11.8 Government Links 12. Finance 13. Banking 14. Credit Services 15. Legal Services 15.1 Attorneys 15.2 Accounting & Tax 16. IT/Systems 16.1 Video Services 16.2 Video Production 16.3 Webcasting 16.4 Audio 16.5 Multi-Media 16.6 Graphics 16.7 Internet Services 16.8 Software 17. Administrative 17.1 Contact 17.2 Advertising 17.3 Free Listings 17.4 News Posting 17.5 Job Posting 17.6 Resume Posting 17.7 E-Mail Posting 17.8 Search the Site 17.9 Forums 18. Related Web Sites 18.1 Home Loans 18.2 Media 18.3 Brokers 18.4 Mortgage Bank 18.5 Employment 18.6 Real Estate 18.7 Legal 18.8 Finance 18.9 Banking 18.10 Technology
purchase property, there are
Property Menu - Property Manual - Chapter 2 - Purchasing - Pre-purchasing Activites SITE NAVIGATION Thursday, December 29, 2005 MAJOR TOPICS HOME Research Admin. Offices Overview of ORA ORA Staff Directory Compliance Assistance Expenditure Website Funding Opportunities PTA Setup Stanford Rates Research Policy (RPH) Institutional Facts Service Centers Space Inventory Training AXESS Oracle Financials Reportmart 3 Additional Links Cardinal Curriculum HelpSU Inst. Compliance ORA Staff Site Stanford BenefitSU Stanford Policies Stanford University Stanford WebMail Stanford Who Stanford You Sundial Calendar ORA Suggestion Box Report A Broken Link Office of Research Administration Go Back Printer Friendly ORA Home / ORA Offices / Property Management / Manual / Ch-2 / Purchasing / Pre-purchasing Activites Prepurchasing Activities Virtually all capital asset purchases made by Stanford – federally funded in particular, are subject to prepurchase screening to avoid acquiring duplicative items. In addition, if sponsored funds are used to purchase property, there are other prepurchase considerations, such as approval to purchase. Specific requirements may be identified in each agreement. When using sponsored funds to make a purchase, it must successfully meet all four of the tests described below, per OMB Circular A21. Allowable: Allowable and unallowable costs are defined in A21 AND in the terms of specific awards – items must be budgeted and approved to be allowable. Allocable: Only those expenses that BENEFIT a project may be charged to that project Reasonable: Costs must reflect what a “prudent person” would pay Consistent: Costs must be handled consistently across the University by following Stanford policy Example Allocable Allowable Reasonable Researcher wishes to purchase lab supplies, budgeted and approved, for the project X X X Researcher wishes to purchase a $50,000 oscilloscope when a 3,000 model will work just as well for the project X X It would not be reasonable to spend $50,000 when $3,000 would suffice Researcher decides to purchase alcohol for a sponsored project party and charge it to the grant specifically supporting government research X Alcohol is NEVER allowable X Unallowable Methods of Purchase The only appropriate way to purchase property is through the iProcurement system. Use of Stanford PCards, personal funds or personal credit cards to purchase capital equipment or material for fabricated equipment is prohibited by Stanford policy . Navigation Links Parent Menu ORA Home ORA Offices Property Management Property Manual Chapter 2 Chapter 2 Purchasing Accounting for Property Purchases Pre-purchase Activities Screening Purchases to Upgrade Existing Equipment References & Resources Sensitive Items Chapter 3 Related Links Chapter 2 (PDF) Stanford University / Business Affairs / Office of Research Administration Stanford Who Directory - Campus Maps - Site Browser Requirements © 2005
Selling Home
Selling Your Home, Sell home, selling a house, selling house, sell your home - Home Services Mortgages Research Moving Zero Down Appraisals -- -- A Simple Guide for Selling a Home on Your Own Preface: Why sell yourself? Selling a home yourself, without an expensive real estate broker is easier than most people think. However, it will take some work on your part. You will be doing a lot of things that a real estate agent might normally do. Just follow the For Sale By Owner.com step-by-step selling guide below, and you'll not only save lots of money, but we'll make the house selling process as effortless as possible It's the money! Sellers save thousands of dollars not paying a 6% or 7% commission. For example, if your home can sell for $250,000, youd save $15,000 to $17,500 in commissions. Sell Your Home Fast. Because you are not paying an outrageous selling commission, you can afford to price your home more aggressively. The lower the price, the more likely it sells fast. You will still walk away with thousands in savings, but you'll just be doing it faster. It's so easy. Despite what a real estate broker may say, selling a house is not rocket science. They know that, and soon you will too. Just follow the simple selling steps below. And, if you have any questions, call us and one of our representatives will try to answer any questions you may have. You are not alone - For Sale By Owner.com will help you every step of the way. We are one of the largest and fastest growing real estate service companies in America. In fact, our web site is one of the top-five most visited real estate sites in America. Thousands of eager home buyers visit us everyday. Perhaps one of them is looking for a home just like yours. Over the past five years, we've helped sell thousands of homes, saving home owners millions of dollars. So let's get started. 8 Easy Steps to Selling a Home Yourself Step 1. Preparing your home to sell - make it look great Presentation is everything! Home buyers are attracted to clean, spacious and attractive houses. Your goal is to dazzle buyers. Brighten-up the house and remove all clutter from counter tops, tables and rooms. Scrub-down your house from top to bottom. Make it sparkle. Simple aesthetic improvements such as trimming trees, planting flowers, fixing squeaking steps, broken tiles, shampooing rugs and even re-painting a faded bedroom will greatly enhance the appeal of your house. Also, make sure your house smells good. That's right, clean out the cat box and light mildly scented candles. Invite a neighbor over to walk through your house like a buyer would. Get their opinion on how it "shows." The stuffed donkey in the family room may have to go to your in-laws for a while. Step 2. Pricing your home effectively Do not over price your home. Over-pricing when you sell a home reduces buyer interest, makes competing homes look like better values, and can lead to mortgage rejections once the appraisal is in. Over-pricing when selling a home is the single biggest reason why many "for sale by owner" home sellers don't sell their homes successfully. Remember: the home selling market dictates the price (not what you think it should be worth). One of the best ways to correctly price your house when selling is to find out how much other homes, similar to your own, recently sold for in your neighborhood. Talk to home sellers, buyers and check out the real estate listings in your local newspaper. Typically, if you set the price of your home at 5 to 10 percent above the market price, you are likely to end up with an offer close to your home's true value. Also, you may try calculating the cost per square foot of your home compared to the house selling prices in your area (divide list price by square footage of livable space). If your house has more features or other desirable qualities, you may want to set a slightly higher house selling price. The easiest way to accurately price your home is to contact your local home appraiser . Finally, set your house selling price just under a whole number, such as $169,900 rather than $170,000. Step 3. Get a real estate lawyer Even though it's an additional expense, it may be wise to hire a lawyer who will protect your interests throughout the entire transaction. An experienced real estate lawyer can help you evaluate complicated offers (those with a variety of conditions), act as an escrow agent to hold the down payment, evaluate complex mortgages and/or leases with options to buy, review contracts and handle your home's closing process. They can also tell you what things, by law, you must disclose to buyers prior to a sale and can also help you avoid inadvertently discriminating against any potential buyers. In some areas, title companies will handle all aspects of the transaction and have in-house legal departments that can assist you with legal issues that may arise. To locate a title company in your area, click here . Unless you're significantly experienced in the home selling process, having a real estate lawyer at your side provides peace-of-mind. You know you've got someone looking out for your interests, not just the buyers. To locate a lawyer in your area, click here Step 4. Marketing your home Exposure, exposure, exposure. That's how sellers sell their home fast. For Sale By Owner.com provides extensive home exposure because over 700,000 unique visitors come to the web site each month (that's Internet-speak for new people). In fact, For Sale By Owner.com is one of the top-five most visited real estate web sites in the U.S. getting literally millions of visitors looking to buy or sell a home. We spend tens of thousands of dollars a month to assure that For Sale By Owner.com is prominently placed on Internet search engines so buyers can easily find our site throughout process of selling your home. If your home is in a market where For Sale By Owner.com has a mass-distributed magazine, your home's exposure will be even greater because they can be found at thousands of locations frequented by buyers that include grocery stores, shopping centers, convenience stores and restaurants (the magazine is in over 40 markets nationwide). Writing your sell ad While For Sale By Owner.com allows you a 3,000 word description of your house (try to afford that in a newspaper ad), your advertising copy should be thorough yet short, simple and to-the-point. Long, flowery prose will not make your house sound more appealing. It will simply make it harder for the home buyer to read. Make sure to provide the critical facts buyers are looking for such as the house's number of bathrooms, a re-modeled kitchen, etc. Most home buyers quickly scan ads, so it is important that your house stands out. For example, you may want to add a theme-line such as "Priced below market" or "Great schools." Stay away from industry jargon and use language that makes home buyers comfortable. Survey our web site and see how others have written their ads. You will quickly see which are "buyer friendly." Copy their approach for your ad. Home Photos: Yes, a picture is worth a thousand words If you are taking a photo of your home, be sure that the home's yard/driveway is uncluttered. Remove bikes, garbage cans and parked cars. The same applies for interior shots. People are looking to buy your house, not your possessions. Think of furniture as props and the room a stage. Move things around if you have to. Also, take lots of house photos. Film is cheap...your home deserves quality. The more you shoot, the better the odds are that you'll get a few really good shots. Lawn signs Lawn signs are one the most important marketing tools for home sellers. They attract attention to your home. Professionally-produced signs (like the ones we can send to you) telegraph to home buyers a "quality" image of your house. Directional signs also help drive buyers to your property, especially if you do not live on a busy street. Open houses Open houses are sometimes a good way to attract buyers to your home. Typically, real estate agents conduct open houses for two reasons; 1. Clients expect them 2. They are a good way to attract buyers, not just for the open house but for all houses for sale in the Real Estate Agent's area (yes, your competition). The fact is that very few houses sell due to a open house itself. Home Brochures/Information sheets It is a good idea to create an information sheet (with a photo) about your home to give potential buyers. Consider printing copies of your ad from For Sale By Owner.com to give to people who visit your home. The MLS The MLS or Multiple Listing Service can also help market your home, particularly to real estate agents who may know of buyers seeking a property like yours. The MLS is a directory used by real estate agents to announce to other agents that they have a home for sale. In many selling markets, For Sale By Owner.com can put your house on the MLS (for an additional fee). However, if a real estate agent finds you a buyer after seeing your home on the MLS, you must usually pay that agent a 2.5% to 3% commission (the law states that all commissions are negotiable, however). You are your home's best salesman As every salesman knows, to be effective you have to really know your product. And who knows your home better than you? Certainly not a real estate agent, who, in all likelihood, has spent only a few moments in your house before showing it to prospective buyers. Sell your neighborhood as well as your house. Show enthusiasm, but don't get caught-up talking too much about how "your daughter spent the best years of her life in this very room." Step 5. Negotiating an offer on your home When a home buyer makes an offer (this is often presented to you directly from the buyer or through their lawyer), you should consult with your attorney. Buyers and sellers have an Attorney Review Period, which is usually three days, to cancel or amend the offer. The offer becomes a contract at the end of the Attorney Review Period, and is binding. Many of your home's offers can be complicated and contain special clauses that favor the buyer. Purchase price isn't everything. Carefully consider the purchase contract's other terms and conditions. Too many contingencies can leave loopholes and cause a deal to collapse. Especially avoid contingencies that favor the house's buyer, such as linking the escrow closing date to the buyer's sale of their current home. If the buyer insists on such terms, include a so-called kick-out clause in the contract that will allow you to consider other offers if the buyer isn't able to sell within a certain period of time. Assess your buyer's financial qualifications Is the buyer pre-approved? How much of a loan is the buyer seeking? Unless you are in an active market, lenders tend to shy away from underwriting a deal in which the purchase price is higher than the nearest comparable sale and the buyer is putting less than 10% down. If this is the case, your buyer may not be able to obtain financing. Know the home selling market How you judge an offer also can depend on market conditions. If the selling market is slow, you may feel vulnerable, especially if circumstances are pressing you to sell. Make sure any offer you accept does not keep you in escrow longer than 30 days. In a hot market where multiple offers are likely, be wary of countering more than one offer at a time (you could end up in legal trouble if two buyers both accept your counter offer). Also be wary of offers that promise more money but contain poor contract terms (long escrow, multiple contingencies, etc.). If you feel the home's offer is insufficient, make a counter offer. Rarely is a first offer the buyer's absolute highest price they are willing to pay. Negotiating is part of the home selling process. Again, your lawyer should review the details of all offers. Step 6. Home inspections All standard real estate contracts are going to give the prospective home buyer the right to inspect your property - so be prepared. Under a general inspection you are obligated to make major repairs to appliances, plumbing, septic, electrical and heating systems - or the buyer may cancel the offer. The inspection will also include your property's roof, as well as a termite inspection (in some states, house sellers must provide proof that the home is termite free). If you are concerned about how your home will fair when inspected, you may want to visit your local inspector . They can conduct an inspection for you before a potential buyer has one done. This way, you can address the problems before a buyer stumbles upon them. Once the inspections are complete, the buyer makes an application to a mortgage lender. Step 7. Buyer appraisals and other details The mortgage lender will order an appraisal of your home to make sure they are not paying more than the house is worth. They may also order a surveyor to make sure that the property boundaries are properly laid out. They will also order a title search to determine if there are any liens against your property. These tasks are all the responsibility of the buyer and/or their attorney. At this point too, the mortgage company will issue a commitment . Again, the buyer (and their attorney) must complete all conditions listed on the mortgage commitment. Prior to closing, you should notify your lender that you will be paying off your mortgage. After a closing date has been agreed to, you should contact your utility providers and advise them of your final billing date. Step 8. Closing The day of the closing , the home's buyer will do a "walk through" of the property to make sure all agreed repairs are completed and that the home is in the same condition as when the buyer made their offer. If problems arise that this point, the closing can still take place with funds held in escrow to remedy the problem. Closings usually occur 30 - 45 days after you have signed the sales contract. Depending on what state you reside in, you may close with an attorney, or with a title company. At the closing, all monies will be collected, any existing loans or liens will be paid, the deed will be transferred, and insurance will be issued insuring a free and clear title. The home seller will receive the proceeds of their home in one to two business days after the closing. Conclusion This step-by-step home selling guide is a general overview of the process when selling a home. Each state has slightly different laws and customs as they relate to the transaction process. Selling a home yourself can be time consuming, but the financial rewards can be tremendous. With help from For Sale By Owner.com , we try to make the process of home selling on your own as easy as possible. 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Real Estate Board: Abitibi
CREA Privacy | Legal | Contact Us | Français 344 Slater Street, Suite 1600, Ottawa, ON K1R 7Y3 Tel: (613) 237-7111 Fax: (613) 234-2567 News Release: MLS ® Statistics: Interactive Pricing Map Search for: Real Estate Board: Abitibi -Tmiscamingue Barrie & District Brampton Brandon Brantford BC Northern Calgary Cambridge Chatham-Kent Chilliwack & District Cornwall Durham Edmonton Estevan Estrie Fort McMurray Fraser Valley Fredericton Georgian Triangle Grande Prairie Grey Bruce Owen Sound Guelph & District Hamilton-Burlington Haute-Yamaska Huron Perth Kamloops & District Kawartha Lakes Kingston & Area Kitchener-Waterloo Kootenay Lanaudiere Laurentides Lethbridge Lloydminster London & St Thomas Medicine Hat Mississauga Moncton Montral (Grand) Moose Jaw Muskoka & Haliburton Newfoundland & Labrador Niagara North Bay Northern New Brunswick Oakville,Milton & District Okanagan-Mainline Orangeville & District Orillia & District Ottawa Outaouais Parry Sound Peterborough & Kawarthas Prince Albert Québec Quinte & District Red Deer & District Regina Renfrew County Rideau - St. Lawrence Saguenay-Lac-St-Jean Saint John Sarnia-Lambton Saskatoon Sault Ste. Marie South Okanagan Sudbury Thunder Bay Tillsonburg District Timmins Toronto Valley Vancouver Vancouver Island Victoria West Central Alberta Windsor-Essex County Winnipeg Woodstock-Ingersoll York Region Yellowknife Real Estate Association: Alberta British Columbia Manitoba New Brunswick Newfoundland & Labrador Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon REALTORS® spread holiday cheer The holiday season is a favorite time of the year for most children as it is often centered on special feasts, family and gifts. But for others, the magic of the holiday season depends greatly on the generosity of the communities in which they live. As the need to help less fortunate children grows, so too does the REALTORS® Association of Hamilton-Burlington's commitment to its annual charity auction. This year, REALTORS® raised more than $72,000 for the Christmas Tree of Hope campaign, which supports more than 20 children's charities in the Hamilton-Burlington community. RAHB is the single largest contributor to this campaign, with local REALTORS® raising almost $500,000 over the past seven years. "The response from the community this year was overwhelming," said Tony Locane, Charity Auction Ad Hoc Committee Chairman. "Although people have been assisting those who were hit by natural disasters throughout the year, the community still supported our auction. You really can never underestimate the generosity of the people in the Hamilton/Burlington community when it comes to supporting children's causes." CREA represents more than 82,000 REALTORS® across Canada. The Association owns the MLS® trademark, has proprietary ownership of the REALTOR® trademark, and operates national web sites including mls.ca for residential properties and ICX.CA for commercial listings across Canada. For Residential Property For Commercial Property For International Property ©2004 The Canadian Real Estate Association. All Rights Reserved.