Real Estate Broker License

Real Estate Licensing Real Estate Licensing Home / Licensing /Real Estate Licensing HOW TO OBTAIN A UTAH REAL ESTATE LICENSE A real estate license is required of any person who, for another and forvaluable consideration, negotiates or consummates the sale, lease, exchangeor purchase of real estate. The Utah Real Estate Commission determines the qualifications and therequirements of all applicants for a Utah real estate license. Each applicantis required to provide evidence of honesty, integrity, truthfulness, reputationand competency. Each applicant must pass an examination covering the fundamentalsof the English language, arithmetic, bookkeeping, real estate principalsand practices, the Rules established by the Real Estate Commission and anyother aspect of Utah Real Estate License Law considered appropriate. Please take time to go over the screening questionnaire. Your responses tothese questions could have an impact upon whether or not you are able toobtain a Utah Real Estate license. Additional information and requirements are outlined throughout the followingpages. Screening Questionnaire Sales Agent License Associate Broker License Principal Broker License Opening Own Business Property Management License Branch Offices Non-Resident License ApplicantsLicensed in Other States Reciprocity (between Utah and: Wyoming, Colorado, Idaho, Montana, and Alberta, Canada) Examination Procedure ChangeCard SCREENING QUESTIONNAIRE 1. Do you now hold or have you ever held a real estate license in a state otherthan the state of Utah or in another country? 2. Have you ever had a license to practice in the real estate profession,or any other profession or occupation, denied, restricted, suspended, orrevoked? 3. Have you ever been permitted to resign or surrender your real estate licenseor any other professional license,or have you ever allowed a license to expire while you wereunder investigation, or while action was pending against you by any realestate licensing or other agency? 4. Is any disciplinary action now pending against you by any real estatelicensing or other agency? 5. Are you CURRENTLY under investigation for, or charged with, or have you everbeen convicted of, or pled guilty or no contest to, a felonyor misdemeanor? (If you have had only one misdemeanor conviction or plea and thecase was closed over five years ago, you do not have to answer yes. Caution: DUI's and other alcohol-related traffic offenses may bemisdemeanors. Non-alcohol-related traffic offenses do not need to bedisclosed.) 6. Have you been placed on probation or ordered to pay a fine in connection withany criminal offenseor a licensing action? If you answer YES to this question you will beasked at the time of application for licensure to provide proof of completion ofyour probation and payment of all fines. 7. Have you been ordered to pay restitution in connection with any criminaloffense or licensing action? If you answer YES to this question you willbe asked at the time of application for licensure to provide proof that you havefully complied with the restitution order. 8. Have you had a civil judgment entered against you based on fraud,misrepresentation, or deceit? If you answer YES to this question you will be asked at the time of application for licensure to provide proof that the judgment has been fully satisfied. 9. Are you under 18 years of age? WARNING: IF YOU PASS THE EXAMINATION, YOUR FINGERPRINTS WILL BE TAKEN ANDSUBMITTED FOR A CRIMINAL BACKGROUND CHECK. FAILURE TO ACCURATELY DISCLOSEYOUR CRIMINAL HISTORY WILL RESULT IN IMMEDIATE AND AUTOMATIC REVOCATION OF YOURLICENSE. SALES AGENT LICENSE License Requirements - The applicant for a sales agent license must be at least 18 years ofage. Education Requirements - An applicant for a sales agent license must complete an approved educationalprogram of 90 classroom hours. The subject matter of the course will consistof Real Estate Principals and Practices and Utah Real Estate License Law. All courses must be completed at a Division approved real estateschool . Membership in the Utah State Bar will satisfy this education requirement. Experience will not satisfy the education requirement. Licensing Procedure - Within 90 days after the successful completion of the examination, theapplicant must return the following to the Division: Score Report/License Application - The applicant will provide a score report/license application receivedfrom Promissor ( the professional testing service) which indicates that both the nationaland state portions of the examination have been passed. The passing score report/license application must besigned by the principal broker with whom the applicant will be affiliating.No such signature is required of the applicant who desires inactive status. Education Documentation - The applicant will provide documentation of the successfulcompletion of 90 hours of classroom education taken within the previous year.Documentation will consist of the signed and stamped education certificatelocated in the examination Candidate Handbook, and/or an education waiverissued by the Division. Fees - The fee will include the license fee, the fee for the Recovery Fund, and the fingerprint processing fee. Currently, this totals $151.00. ASSOCIATE BROKER and/or PRINCIPAL BROKER LICENSE License Requirements - The applicant for an associate broker/principal broker license must beat least 18 years of age. The applicant must have a minimum of three years real estate experience and a total of at least 60 points accumulated within the five years prior to licensing. A minimum of two years (24 months) and at least 45 points will be accumulated from Tables I and/or II. The remaining 15 points may be accumulated from tables I, II, or III. The Principal Broker may accumulate additional experience points by having participated in real estate related activities as outlined in Experience Points Table III. Education Requirements - An applicant for an associate broker or principal broker license mustcomplete an approved educational program of 120 hours. The subject matterof the course will consist of 12 classroom hours in Brokerage Management, 24 classroom hours in Advanced Appraisal,24 classroom hours in AdvancedFinance, 24 classroom hours in Property Management, 24 classroom hours in Advanced Real Estate Law, and 12 hours in Utah License Law. All courses mustbe completed at a Division approved real estateschool . The Division may waive all or part of the education requirement by virtueof equivalent education. Education waivers may be granted only by the Division.To obtain an education waiver, the applicant must provide to the Divisionvalid documentation of his/her equivalent education. Experience will not satisfy the education requirement. Licensing Procedure - Please refer to the following information and forms (Broker Application Packet) Application for a Broker License Procedures Checklist Requirements for Obtaining a Real Estate Broker License Experience Points Tables (Rule 162-2.2.5) Documentation of Full Time Experience Real Estate Sales/Leasing Transaction Log Real Estate Property Management Transaction Log Brokerage Verification Form OPENING OWN BUSINESS If the applicant wishes to open his/her own business, the following isalso required: Business Name Approval - The principal broker applicant must submit evidence that the name underwhich he/she will be doing business has been registered and is approved bythe Division of Corporations, Utah Department of Commerce. The Division ofReal Estate will not accept a proposed company name that may mislead thepublic into thinking they are not dealing with a real estate brokerage orproperty management company. Company Registration - The principal broker applicant must submit a Company Application on theform required by the Division. Evidence of Trust Account - The principal broker applicant shall submit documentation from a financialinstitution that is less than 30 days old verifying the applicant's trustaccount. Change Cards - A Change Card must be submitted for each agent who will be affiliatingwith the principal broker. Fees - Appropriate fees for company registration mustbe submitted. Currently this fee is $25.00. PROPERTY MANAGEMENT LICENSE License Requirement - All persons who, for another and for valuable consideration, engage inproperty management must hold a current Utah real estate license to functionas a property manager. Property management is defined as providing the followingservices which may include, but are not limited to: Advertising real estate for lease or rent. Procuring prospective tenants or lessees. Negotiating lease or rental terms. Executing lease or rental agreements. This requirement does not apply to: An owner who manages his/her own property. A regular salaried employee of the owner of real estate who manages property owned by the employer. Apartment managers who manage the apartments at which they reside in exchange for free or reduced rent on their apartments. A full time salaried employee of a homeowners association who manages units subject to the declaration of condominium, which established the homeowners association. Individuals who, as employees of a licensed property management company, provide prospective tenants with access to vacant apartments, provide secretarial, bookkeeping, maintenance or rent-collecting services, quote predetermined rent and lease terms, and fill out preprinted lease or rental agreements, the terms of which are not negotiable by the person completing the form. Broker Supervision - All property management conducted by a sales agent or associate brokermust be supervised by the principal broker with whom the licensee isaffiliated. S EPARATE PROPERTY MANAGEMENT COMPANY A principal broker may be granted a license to operate a property managementcompany separate from an existing real estate brokerage upon compliance withthe following conditions: Application - The principal broker, as a single proprietor or a company, must obtainan additional broker's license by submitting an application on the form requiredby the Division together with the license fee plus the fee for the RecoveryFund. Business Name Approval - The applicant must submit evidence that the name of the new company hasbeen registered and is approved by the Division of Corporations, Utah Departmentof Commerce. The Division of Real Estate will not accept a proposed companyname that may mislead the public into thinking they are not dealing witha real estate brokerage or property management company. Company Registration - The principal broker applicant must submit a Company Application on theform required by the Division. Evidence of Trust Account - The principal broker applicant shall submit documentation from a financialinstitution that is less than 30 days old verifying the applicant's trustaccount. Affiliated Licensees - The principal broker must designate with which company each of the licenseesaffiliated with him/her will be located - either the real estate brokerageor the property management company. Property Management Company Only - No Brokerage - If a principal broker (an individual or company) wants to operate a propertymanagement company only AND does not operate a real estate brokerage, theprincipal broker may do so by the same procedure as for opening a real estatebrokerage. Fees - Appropriate fees for company registration mustbe submitted. Currently this fee is $25.00. BRANCH OFFICES A branch office is a real estate office affiliated with and operating underthe same name as a principal brokerage but located at a different address.A branch office must be registered with the Division of Real Estate priorto operation. Application - To register a branch office, the principal broker must submit to the Division,on the forms required by the Division, the location of the branch, the nameof the branch manager and the names of all associate brokers and sales agentsassigned to the branch. He/she must also submit trust account documentationthat is less than thirty days old of a valid trust account. This accountcan be the same trust account used by the main office. Branch Manager - Each branch office must have an associate broker as a branch manager whowill actively manage the office. Fees - Appropriate fees for company registration mustbe submitted. Currently this fee is $25.00. NON-RESIDENT LICENSE A person who is actively licensed and in good standing in anotherstate as a real estate principal broker, associate broker or sales agentmay be issued an equivalent license in Utah by successfully completing specificeducation hours required by the Division with the concurrence of the Commission,and by passing the state and, in some cases, the general portion of the Utahreal estate licensing examination. The general portion of the exam may notbe waived for licensees from California due to the way California administerstheir exam. If the license in another state is expired, the applicant will be required to comply with all of Utah'sprelicensing requirements. Education and examination waivers will not beprovided if the license has expired. The applicant must also comply with each of the following requirements: Application - The applicant must submit an application for examination and license inaccordance with the requirements of the state of Utah. License History - Proof of licensure and disciplinary action, if any, (a "history letter")from each state in which the applicant has been licensed. Education Documentation - A waiver toward the Utah education requirement may be granted for educationtaken in another state. The applicant must provide to the Division validdocumentation of any certified real estate education taken in another statethat correlates with the education requirement of the state of Utah. Validdocumentation shall show proof of completion of the subject matter, the dateof completion and the number of classroom hours of each course taken. The application will be required to take a minimum of 12 classroom hoursin Utah License Law and may be required to take additional real estate educationhours. The applicant will be notified by the Division of his/her specificeducation requirements in the form of a "waiver letter." WAIVER LETTER - Upon receipt of the "license history" and the documentation of previouslycompleted real estate education, the Division will determine how many hours,if any, of Utah's education requirement may be waived and how many hoursthe applicant will still be required to complete before he/she will be allowedto sit for the examination. The licensee will be notified of his/her educationrequirements in the form of a "waiver letter." If applicable, the "waiverletter" will also indicate whether the general (national) portion of thelicensing examination will be waived. The "waiver letter" must be presented: to the school to show the number of education hours required of the candidate, at the time of the examination, and at the time of application for licensure. EXAMINATION - If the applicant has been actively licensed in another state for the precedingtwo years, he/she will be required to take only the Utah state portion ofthe examination. If the applicant has been on an inactive status in anotherstate for any portion of the past two years, he/she will be required to takeboth the national and Utah state portions of the examination. The general portion of the exam may not be waived for licensees from California due to the way California administers their exam. TRUST ACCOUNT - If the applicant is a principal broker, he/she must establish a real estatetrust account in this state. CONSENT TO SERVICE - Upon applying for licensure, the applicant must submit to the Divisionan irrevocable written consent allowing service of process on the Commissionor the Division. PRINCIPAL BROKER AFFILIATION - If the applicant is an associate broker or sales agent, the principalbroker with whom he/she is affiliated must hold an active Utah license. APPLICANTS LICENSED IN OTHER STATES A person who is licensed in another state as a real estate principalbroker, associate broker or sales agent may become licensed in Utah by successfully completing specific education hours requiredby the Division with the concurrence of the Commission, and by passing thestate and, in some cases, the general portion of the Utah real estate licensingexamination. The general portion of the exam may not be waived forlicensees from California due to the way California administers their exam. If the license in another state is expired, the applicant will be required to comply with all of Utah'sprelicensing requirements. Education and examination waivers will not beprovided. The applicant must also comply with each of the following requirements: Application - The applicant must submit an application for examination and license inaccordance with the requirements of the state of Utah. License History - The applicant must be or have been licensed as a principal broker, associatebroker or sales agent in another state. Proof of licensure (a "history letter")from the regulatory agency of each state of previous licensure must be providedto the Division of Real Estate. Education Documentation - A waiver toward the Utah education requirement may be granted for educationtaken in another state. The applicant must provide to the Division validdocumentation of any certified real estate education taken in another statethat correlates with the education requirement of the state of Utah. Validdocumentation shall show proof of completion of the subject matter, the dateof completion and the number of classroom hours of each course taken. The applicant will be required to take a minimum of 12 classroom hours inUtah License Law, and may be required to take additional real estate educationhours. The applicant will be notified by the Division of his/her specificeducation requirements in the form of a "waiver letter." WAIVER LETTER - Upon receipt of the "license history" and the documentation of previouslycompleted real estate education, the Division will determine how many hours,if any, of Utah's education requirement may be waived and how many hoursthe applicant will still be required to complete before he/she will be allowedto sit for the examination. The licensee will be notified of his/her educationrequirements in the form of a "waiver letter." If applicable, the "waiverletter" will also indicate whether the general (national) portion of thelicensing examination will be waived. The general portion of the exam may not be waived forlicensees from California due to the way California administers their exam. The "waiver letter" must be presented: to the school to show the number of education hours required of the candidate, at the time of the examination, and at the time of application for licensure. EXAMINATION - If the applicant has been actively licensed in another state for the precedingtwo years, he/she will be required to take only the Utah state portion ofthe examination. If the applicant has been on an inactive status in anotherstate for any portion of the past two years, he/she will be required to takeboth the national and Utah state portions of the examination. The general portion of the exam may not be waived for licensees from California due to the way California administers their exam. RECIPROCITY The State of Utah currently has signed reciprocity agreements with Wyoming, Colorado, Idaho, Montana, and Alberta, Canada. To apply for reciprocity, send us a written request for licensing through reciprocity, including what states you currently have and previously have had a license in, as well as your contact information. Have the state(s) send a certified license history to us (see contact information ). The reciprocal state MUST show that your license is on an active status. Once we receive your written request and the certified license history/histories, we will generate an application form for you. We will also send you: a questionnaire, the Consent To Service form and acknowledgement, which must be signed and notarized; 2 fingerprint cards; and the fingerprint waiver form (fingerprints required for sales agent applicants only - not for broker applicants). Fingerprints must be obtained by the applicant. The application and other relevant forms must be completed and submitted with the $100 licensing fee and $12 recovery fund fee for sales agents or $18 recovery fund fee for brokers (plus $39 fingerprint processing fee for sales agent applicants). If a broker applicant wishes to open his or her own company, additional paperwork and fees are required. See " Opening Own Business " information above. EXAMINATION PROCEDURE Education - Before an applicant will be allowed to sit for the examination, he/shemust have completely satisfied the appropriate educational requirement. Application - The candidate should obtain the Candidate Handbook from the pre-licensingschool. This handbook will outline the procedure for registering for andtaking the examination. Date/Location - The examination will be given twice daily (Tuesday thru Saturday) in theSalt Lake City area. The examination is also available at the testing centersin Provo, Ogden, Las Vegas, Nevada, and Grand Junction, Colorado. Waiver Letter - Any candidate who is granted a waiver of the general portion of theexamination must submit proof of such waiver from the Division at the timeof application. Questions - The test consists of 80 questions on the general portion of the examination,40 questions for sales agents and 50 questions for brokers on the state portionof the examination. Both the general and state portions of the examinationmust be passed within a six-month period of time. More Information - Please refer to the Candidate Handbook for complete details on takingthe examination. Special Services - The testing center complies with the provisions of the Americans withDisabilities Act (42 USCS Section 12101 et seq.). If the candidate has adisabling condition, he/she may request special testing services. The disabilitymust be verified by a professional who is qualified to diagnose and documentthe disability. Utah Department of Commerce Home | Utah Division of Real Estate Home | Contact the Division of Real Estate | Site Map | Links

Home Equity

Avoiding Home Equity Scams Avoiding Home Equity Scams Y ou could lose your home and your money if you borrow from unscrupulous lenders who offer you a high-cost loan based on the equity you have in your home. Certain lenders target homeowners who are elderly or who have low incomes or credit problems—and then try to take advantage of them by using deceptive practices. The Federal Trade Commission cautions all homeowners to be on the lookout for: Equity Stripping: The lender gives you a loan, based on the equity in your home, not on your ability to repay based on your income. If you can’t make the payments, you could end up losing your home. Loan Flipping: The lender encourages you to repeatedly refinance the loan and often, to borrow more money. Each time you refinance, you pay additional fees and interest points. That only serves to increase your debt. Credit Insurance Packing: The lender adds credit insurance to your loan, which you may not need. Bait and Switch: The lender offers one set of loan terms when you apply, then pressures you to accept higher charges when you sign to complete the transaction. Deceptive Loan Servicing: The lender doesn’t provide you with accurate or complete account statements and payoff figures. That makes it almost impossible for you to determine how much you have paid or how much you owe. You may pay more than you owe. Some of these practices violate federal credit laws dealing with disclosures about loan terms, discrimination based on age, gender, marital status, race, or national origin; and debt collection. You also may have additional rights under state law that would allow you to bring a law suit. The FTC suggests if you’re thinking about using your home as collateral for a loan, be careful. Unless you can make the loan payments out of current income, you could lose your home as well as the equity you’ve already built up. Some additional tips to remember: The lure of extra money or the chance to reduce monthly credit payments can be very costly in the long run. High interest rates and other credit costs could get you in over your head. Credit insurance may not be a good deal from a lender. If you want the added security of credit insurance, shop around. Don’t sign a loan agreement if the terms are not what you were given when you applied. Ask for an explanation of any dollar amount, term, or condition that you don’t understand. Federal law is very clear about what credit and loan term information must be provided in writing when you apply for a loan and before you sign any agreement. In addition, shop around for the best loan terms and interest rates. Contact lending institutions, such as banks and credit unions, and consult a legal or financial advisor, or someone you can trust before you make any loan decisions. Or contact your local Fair Housing Office, legal aid, or senior services organization for information and help. The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP www.ftc.gov Jan. 1998

Home Mortgage Home Equity

State Farm Bank® - Home Mortgage Loans -- Search statefarm.com® Powered by Google™ Banking Bank accounts Credit cards Loans Home Mortgage Home Equity Vehicle Security Safeguards Find an agent by zip/postal code Advanced Search 24-hour Customer Service Limited Service 12am-5am CT 1-877-SF4-BANK 1-877-734-2265 HOME MORTGAGE LOANS > Learn about mortgages Select a Product ==================== CENTERS - Purchase - Refinance - Affordable Housing ==================== PRODUCTS - Fixed Rate - Adjustable Rate - Affordable Housing ==================== LENDING PROCESS - How to apply - Pre-approval ==================== MORTGAGE TOOLS - Calculators - FAQ - Mortgage glossary - Application checklist - House hunting tips - Home comparison chart ==================== CUSTOMER ASSISTANCE - Access my account - Contact us - Mortgage Inquiry - Locate an Agent > How to apply > Access my account > View on-line mortgage application status > Contact us Information Minimum loan amount is $25,001 Maximum loan amount is $650,000* * Larger loan amounts available by request on an individual case basis. · Variety of products: - Fixed rates - Adjustable rates - Affordable housing · Pre-approvals available · Can be used for purchasing or refinancing: - Primary residence - Second home - Investment property (availability varies by mortgage product). Properties may be a single family home (1-4) unit, condominium or Planned Unit Development (PUD) · Loans to finance the construction of a property are not available. However, any of the mortgage products may be used for a mortgage upon completion of the construction · Rates may change daily based on market conditions · Fees and closing costs vary by geographic area and the type of loan · Maximum loan-to-value varies by product and situation but can be as high as 97 percent · Property that is for sale or has been sold (i.e. "bridge loans") is not eligible · FHA and VA loans are not available at this time Centers · Purchase center · Refinance center · Affordable housing center More About Mortgage Loans · Rates · Products · Mortgage Calculators · Frequently asked questions · Home mortgage glossary · Application checklist · House hunting tips · House hunting checklist · Home comparison chart · How to apply for home mortgage loans · 24-Hour account access via phone and Internet · Learn how to stop mortgage fraud Related Links · Home Equity Loans/Line of Credit · Mortgage Disability Income Pricing and APR Assumptions Location: Pricing could vary based on the state where the property is located. Contact a Mortgage Consultant for a price quote based on your property location. Loan amount: $200,000 for conforming products; $500,000 for JUMBO products Loan-to-value ratio: 80% or lower Property type: Single Family Primary Residence Loan purpose: Purchase only Escrow: Customer escrows for taxes, insurance, etc. as part of monthly payment Closing Costs/Prepaids: Estimated at 1% of the purchase price/value of the home Lock period: 30 days Income Documentation: All income used to qualify for a loan is documented Additional Notes · Mortgage rates change on a daily basis and have the ability to change within the day depending on market conditions. · Your rate at loan approval may be different based on underwriting considerations and your individual financing request. · Fees and closing costs vary by geographic area and the type of loan. · All loans are considered as either a conforming loan or a JUMBO loan (also known as a non-conforming loan). A conforming loan is a loan with a mortgage amount that does not exceed eligibility limits for purchase by the secondary mortgage market (i.e. Fannie Mae, Freddie Mac, etc.). A JUMBO loan is a loan with mortgage amount that exceeds the eligibility limits for purchase by the secondary mortgage market. · The APR and payments on Adjustable Rate Mortgage ( ARM ) Loan Products are subject to change after the loan is closed due to the product's variable-rate feature. For good neighbor service in your mortgage loan process, call your local State Farm agent, call State Farm Bank toll-free at 1-877-SF4-BANK (1-877-734-2265) or submit your mortgage inquiry online. *Some products and services may not be available in all areas. [ home | sitemap | my account | login | register | contact us | privacy | terms of use ] [ insurance | banking | mutual funds | planning & learning | agents | about us ] Search statefarm.com® Powered by Google™ Equal Housing Lender | Member FDIC

Sell House

Boston.com / Real estate Buying Renting Recent sales Place an ad Luxury Living Community data Financing Commercial Moving Guides SELLING YOUR HOUSE CLEAR THE CLUTTER • Recognize that many buyers resist purchasing a jam-packed home. CLUTTER EPIDEMIC Are you another victim of the "national clutter epidemic?" These six suggestions could help you slim down. Crowded rooms seem smaller than they are. Home buyers rarely determine the size of rooms with a measuring tape. Most do it mentally. • Purge your place of personal elements. House hunters are almost universally put off by any home so crowded with personal belongings that they can't picture themselves having enough space to live there. • Visualize yourself about to move out. You are about to sell your home, so start packing those things. Don't just put them in a drawer. • Eliminate bad odors. Buyers want fresh aromas. Bad smells can ruin the best-laid sale strategies. • Realize that any sort of large collection can crowd your home. • Don't seek to conceal anything weird. Remove it. THE POWER OF FIRST IMPRESSIONS • Gather intelligence before you put your house up for sale. Step back and play stranger. Take a trip along your street to see whether other properties look more fetching and why. • Recognize the increasing importance of an attractive frontal view. Many real estate specialist now urge sellers to concentrate more of their potential presale spending on outdoor improvements, including painting and landscaping. Part of this has to do with the ever-more-common practice among buyers of sizing up a home on the outside before going in. • Don't hide the merchandise. Remove any overgrown greenery that may shroud your house from view. • Remember that a color picture is worth more than 1,000 words. Your home may seem stately and grand without the benefit of any colorful floral touches. Yet for a modest sum, you can add flower beds that will beckon prospects to your property whether they see it on the Internet or while driving by. SPENDING A LITTLE CAN PAY OFF BIG • Small improvements can help you to sell your home faster. They can even command a higher selling price, and also help reduce the tax you'll have to pay on the profit from the sale of your home. • Disabuse yourself of the view that most buyers have cash to spare. Most buyers don't have the money to move in and do upgrades right away. "If people can go into a property and think that they don't have to do anything to it to move in, they are willing to spend more money," said Maio. "But where they go in and think they will have to paint, or sand the floors, or do any kind of major cleanup, that means extra money they have to spend." • Remember that condition can be nearly as important as location. Compiled from the Boston Globe archives. References include: 'Fixing up to sell often inexpensive', by Jerry Ackerman, 8/29/1993; 'Tips on preparing your home to fetch the best price', by Jennifer Babson, 1/3/1999; 'Investing in your home to ease sale', 2/27/2000; 'Devising a plan for springtime home sale', by Ellen James Martin, 2/13/2000. feedback | help | site map | advertising | globe archives | rss © 2006 The New York Times Company Real Estate Guide - Massachusetts Home Builder - New Home Construction

Florida Real Estate, Naples

Naples Florida Real Estate, Naples Real Estate, Naples Fl Real Estate, Naples Real Estate for sale, real estate in Naples fl, Naples Fla Real Estate, Beachfront and Waterfront Homes in Naples Florida, Airport Information, Airport Naples Florida, Aircraft Hangars in Naples Florida, Waterfront Properties in Naples Fl,Luxury Homes in Naples Florida, Waterfront Properties in Naples Florida, Naples Homes and Golf Course Communities in Naples Florida and Collier County. Sharon and Art David, Coldwell Banker, will help you to find the Perfect Home in Paradise. Naples Florida Real Estate, Naples Florida Real Estate, Naples Fl Real Estate, Naples Real Estate for sale, Real estate in Naples Fl, Naples Fla Real Estate, Beachfront and Waterfront Homes in Naples Florida Airport Information, Airport Naples Florida, Aircraft Hangars in Naples Florida, Waterfront Properties in Naples Fl,Luxury Homes in Naples Florida, Waterfront Properties in Naples Florida, Naples Homes and Golf Course Communities in Naples Florida and Collier County,Art and Sharon David, Coldwell Banker will help you to find the Perfect Home in Paradise. Naples Florida Real Estate, Naples Real Estate, Naples Fl Real Estate, Waterfront Homes in Naples Florida, Real Estate in Naples Fl, Naples Fla Real Estate,Naples Real Estate for sale, Beachfront and Waterfront Properties in Naples Florida Airport Information, Airport Naples Florida, Aircraft Hangars in Naples Florida, Luxury Homes in Naples Florida, Waterfront Homes in Naples Florida, Naples Homes and Golf Course Communities in Naples Florida and Collier County.Sharon and Art David, Coldwell Banker, will help you to find the Perfect Home in Paradise." Select Page Virtual Tour New Construction Local Partners Rentals Home Buying Info Search All Florida Foreign Purchasers Home Selling Info Places of Worship Community Profile Naples Photos Real Estate Info NEWSLETTER Financial Calculators Home Watch Currency Calculator Real Estate Terms Real Estate News Useful Info Link Exchange Find A Realtor Reciprocal Links Feng Shui CONTACT US NAPLES4U.com If text overlaps photos, go to View>Text Size>Medium Thank you for joining us at one of the most comprehensive web sites on the internet devoted to Naples, Florida, www.Naples4u.com . We hope you enjoy your visit to this web site and look forward to meeting you when you visit us in "Paradise." Take a look at our Featured Listings or go to the Multiple Listing Service and Search for Real Estate For Sale in Naples Florida ,. Join us for a three minute Virtual Tour of Naples Florida . Meet the David Team Sharon and Art David are top-producing members of the International President's Elite, which places them in the top 4% of all Coldwell Banker Agents. They have also been named by Gulfshore Life Magazine as 2005 FIVE STAR Best in Client Satisfaction Real Estate Agents. The Greater Naples Edition of Broker Agent Magazine highlighted Sharon and Art as Agents of the Month for October 2005. Art is a certified Cendant Mobility Affintiy Specialist . Sharon and Art are also certified "Previews Agents" who specialize in the sales of luxury homes to affluent buyers on a world wide basis, and they have developed innovative techniques regarding the marketing of vacant homes . Sharon and Art were licensed realtors for 15 years with the largest Independent Real Estate Company in the United States, Weichert, Realtors before coming to "Paradise" to share their professional expertise with owners and soon-to-be homeowners in Naples, Florida. If you are interested in waterfront homes, luxury homes or Golf Course Communities in Naples, Florida, let them share their expertise with you. NAPLES , Florida is one of the most beautiful places in the country. For the period of 1995-2000, Naples led the country with the highest net migration of young, single, college educated residents. The Office of Federal Housing Enterprise Oversight says the Naples-Marco Island metro area is No. 1 in the nation for home price appreciation for the second quarter ending June 30, 2005 compared with the same time last year. Single-family homes appreciated 35.6 percent during that time. In May 2005, The Florida Association of Realtors reported that the median sales price for single-family homes in Naples rose 24% during the first quarter of the year to $468,000 compared to the median price of $377,000 from the first quarter of 2004. By the end of June, 2005, the median price had risen to $491,400. The median price of homes in Naples is the highest in the state and the fifth highest in the nation with Palm Beach second at $363,600. Naples, Florida has always been rated highly on the list of Money Magazine's Best Places To Live in the U.S. And that is not by accident. The weather is tropical with temperatures in the winter in the 70's and 80's, yet there is always the influence of subtle Gulf Breezes. Majestic Sunsets are the rule rather than the oddity. The opportunities for recreational activities are endless. With over 90 golf courses, both public and private , there are more holes per capita than any other place in the U.S . Golf courses, tennis courts, swimming pools, walking paths and biking lanes abound. Naples is also home to the Franklin Templeton Shootout, The ACE Senior Tour Event and many top tennis events. Golf Magazine's 2005 Dream Home is being built in Naples Florida. For more information about Golf Course Communities, c lick here to email us. One is never far from the water in Naples. Directly on the Gulf of Mexico and near the 10,000 islands in the Everglades, Naples affords boaters some of the prettiest waterways and beaches in Florida where dolphins and manatees cavort in the waves and where sport fishermen can experience some of the best fishing in the world . Waterfront homes need not be on the Gulf of Mexico as t here are hundreds of lakes that dot golf courses and developments throughout the area. Safe harbors for boaters include the Moorings and Venetian Bays , located between Gulf Shore Boulevard and US 41, Naples Bay , Wiggins Pass, and the many canals and waterways that span the magnificent areas of Port Royal , Aqualane Shores , Windstar, Parkshore, Royal Harbor , Bayshore, Oyster Bay, Seagate, Connors, Vanderbilt Beach, Little Hickory Bay and Southport . Yacht clubs, sailboat clubs and full service marinas are available for the most ardent of boaters and fishermen. Private jets and airplanes can also find a home in Naples. With three airports: Naples Municipal Airport , Wingsouth Airpark and The Marco Island Executive Airport, all located within a few miles of downtown Naples, airplane owners can navigate to our sunshine too. Jet sales, charter and leasing services as well as repair and maintenance facilities are readily available for those who wish to fly to Naples. Last but not least, miles of white sand beaches stretch from Keewaydin Island, near Marco Island , past Olde Naples and its landmark pier all the way up to Vanderbilt and Bonita Beaches . Beachfront homes and High Rise Condos on the Gulf constantly provide their owners with absolutely breathtaking views. TV's Travel Channel considers the beaches of Naples FL to be among the finest in the world. C lick here to email us. Third Street South , and Fifth Avenue South are home to fine shops and Art Galleries and top notch restuarants in and around Olde Naples. Experience world class shopping at the Waterside Shops at Pelican Bay, Bayfront , across from Tin City, and at the Venetian Village in Park Shore. Vacation lodging is available in some of the finest hotels in the world including two Ritz-Carltons, the Registry Resort, Trianon , The Inn on FIfth, LaPlaya, the Edgewater Beach Hotel, Naples Hilton and Towers and the Naples Beach Hotel. No matter what your real estate needs are, they can be satisfied in Naples. Luxury High Rise Condos span the Park Shore , Pelican Bay , Bay Colony and Vanderbilt Beach areas. From luxury beachfront homes right on the Gulf of Mexico or from waterfront homes in Port Royal , Aqualane Shores and Royal Harbor , The Moorings, Parkshore, Southport or Little Hickory Bay , to Golf Course Communities and estate homes in Bay Colony , Bonita Bay , Collier's Reserve , Audobon , The Club Estates , Quail West , Quail Creek , Tiburon , Mediterra , Olde Cypress , West Bay Club , Twin Eagles , The Estuary and Grey Oaks , Naples, Fl can afford those with a taste for grand living everthing they could desire. For more information about beachfront and waterfont homes, golf course communities or luxury homes in Naples Florida, click here to email us. Golf course communities and other communities with all the amenities are too numerous to list, but many of them like The Vineyards, Kensington, Hammock Bay, The Brooks, Island Walk, Saturnia Lakes, Pelican Bay, Pelican Isle, Bridgewater Bay, Vasari, Pelican Sound, Pelican Landing, Palmira, The Strand, Pelican Marsh, Naples Lakes, Longshore Lake, Cedar Hammock, Forest Glen, Glen Eagle, Cypress Woods, Naples Heritage, Quail Creek, Village Walk, Delasol, Grandezza, Autumn Woods, Monterey, Lely, Fiddler's Creek, Maplewood, Foxfire, Countryside, Sterling Lakes, Vanderbilt Country Club, Berkshire Lakes, Indigo Lakes and Pebblebrook Lakes offer condos, villas, carriage, coach and single family homes in a variety of neighborhoods and in all price ranges from the 100's into the millions of dollars within their developments. If your heart is set on a grand home within walking distance for the Gulf of Mexico, then there's Olde Naples ; or be on the Gulf in newer, larger homes at Barefoot Beach . Single family homes are also available in areas like the Moorings , Coquina Sands , Park Shore and Naples Park . If you're interested in larger homesites, homes in areas like Pine Ridge , Logan Woods , Livingston Woods and Golden Gate Estates are available. C lick here to email us. Check out these sites for more information about all aspects of Life in Naples Florida including golfing, fishing, places to visit, night life, restaurants, businesses, schools, lodging, government, 1031 exchange information, finance and just about anything else you could think of, along with our favorite links to other interesting and informative websites. Take advantage of our Free Reports about Naples, finance, tax law changes and buying or selling real estate. Contact your local real estate experts, Sharon and Art, TOLL FREE at 800-741-7131 or direct at 239-250-5113 for information about real estate in Naples, Fl Bonita Springs and surrounding areas in Collier County or e-mail us . Click here for a free, no obligation Market Analysis of your home. The David Team will be delighted to help you find that "Perfect Home in Paradise." Input your requirements or do your own search by area, view or development. Remember, We're only a phone call or a click away. Sharon and Art David, P.A. Professional & Reliable Service with Results Naples Florida Real Estate - Naples Real Estate-Naples Fl Real Estate Luxury Homes in Naples Florida-Waterfront Homes in Naples Florida Golf Course Communities in Naples Florida- Naples Fla Real Estate www.Naples4u.com © 2005 Coldwell Banker Previews International Sharon and Art David, P.A. 550 Fifth Ave. S Naples, FL 34102 Office: (239)262-7131 ext. 113 Cell: (239)250-5113 Toll Free: (800)741-7131 Fax: (239)262-8349 E-mail: info@Naples4u.com Disclaimer: "This website is not the official website of Coldwell Banker Previews International Residential Real Estate, Inc. or its affiliated companies, and neither Coldwell Banker Previews International Residential Real Estate, Inc. nor its affiliated companies warrants the accuracy of any information contained herein. Any products and/or services offered for sale on this website shall not be considered an offer to sell goods or services in any other state than Florida." 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