Home Mortgage
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Land Loan
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Land Loan With a
15-Year Fixed Rate Land Loan Thursday, December 29, 2005 Serving our 'Fire Family' since 1935 ©2005 Los Angeles Firemen's Credit Union 15-Year Fixed Rate Land Loan With a fifteen year term, you'll have a shorter loan life and pay less in interest than a thirty year term. And, if a low payment is not a priority, then you'll receive a greater savings benefit from a lower rate. Features: No fees 15-year fixed rate loan 50% loan to value $359,650 loan limit 45 Day Rate Lock from date of completed application Only two (2) land loans permitted per household Available in all states that the Credit Union currently lends in, subject to verification of all applicable State laws > Apply Now > Check Rates This loan is a 15-year fixed rate loan, 50% loan to value with a limit of $359,650 (secondary market conforming loan limit.) Loans may not be used for business purposes and may not be located in a commercial or manufacturing area. Rates are subject to change daily. A one-point fee, if applicable, is based on the loan amount. Year-end rebates may apply at the discretion of the LAFCU Board of Directors. Participation in this program will not be confirmed until the completed application has been submitted to the Real Estate Department. All requests will be processed and must meet LAFCU's underwriting guidelines. Funding of these loans is subject to credit approval and verification of employment, equity, and all other related file documentation necessary to qualify applicant(s). The principal and interest payments for a 15-Year Fixed Trust Deed Land Loan in the amount of $180,000 at 7.75% results in monthly payments of $1,694.66. Mortgage Loans > Check Mortgage Rates > First Trust Deeds > Second Trust Deeds > Home Equity Lines > 7/23 > 15 Year Fixed > 15 Year Fixed Land Loan > 20 Year Fixed > 30 Year Fixed > Construction Loans > Non-owner occupied properties > Vacation / 2nd Home > Rental / Investments
Selling Home
Preparing Your Sellers for Home Showings - Real Estate Agent Tips You are here: About > Home & Garden > Home Buying / Selling > Real Estate Careers > Presentation Skills > Listings > Preparing Your Sellers for Home Showings - Real Estate Agent Tips 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 Suggested Reading Interviewing for a Real Estate Position How To Calculate Real Estate Commissions Getting the House House Ready for Showings Suggested Reading Real Estate Appraisal Methods Fair Housing Issues for Real Estate Pros How To Measure a Home's 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 Preparing Your Sellers for Home Showings From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Introduce sellers to the realities of showing their home You've already talked with your sellers about the physical work involved to get a home ready to show, but have you mentioned other events that may take place while the house is on the market? Giving home sellers a basic education in Buyers 101 will help prepare them for the realities of showing their house.
Be Ready to Show at All Times
Sellers should be aware that same-day and even last-minute requests for showings are common, so a seller with a '24 hour notice to show' stipulation often cuts himself out of a good chunk of the buying market. The only standard hefty lag time that should be necessary is when you must give ample notice to a tenant.
Once a house gets tagged difficult to show by agents, you won't receive as many calls to show it. If sellers choose to make showings difficult, be sure to tell them now that it will cut down on showings--and fewer showings equals fewer potential buyers.
Keep it Flexible
Explain to your home sellers that most agents do try to arrive within the scheduled showing time, but sometimes it isn't possible. They may get stuck in traffic, or the house they saw prior to your showing took longer than expected. It happens, and sometimes it happens too late to be fixed by a phone call.
Encourage sellers to stay away from home a little longer than they think is necessary, just to make sure they don't interrupt a showing.
Sellers Who Want to Be Present
This is nearly always a bad idea. Sellers think agents and buyers won't be able to find everything, that they must be there to point out important features. Truthfully, most just want to be present to see buyer reaction firsthand.
Sellers should be aware that at the very least buyers feel uncomfortable when they are present, and that it can actually kill a sale. Buyers often won't even open closet or cabinet doors when the seller is home, and when they cannot view a house comfortably, they'll hurry up and move on to the next one.
Sellers want to talk, and not just about the house. You never know when a buyer will be turned off by the mood of the seller, or by a statement the seller makes. Buyers are there to look at the house, not chit chat about hobbies or the weather or worse--politics and other controversial topics.
If sellers must be home during a showing, counsel them to go outside or stay put in one location, not wander around with the agent and buyers.
Sellers Who Want YOU To Be Present for All Showings
If you're selling a large estate or complicated property, it might be the norm to plan on being present for all showings, but it's not necessary or smart for the typical house.
Explain that other agents generally feel uncomfortable with the selling agent hanging around, listening to and participating in conversations with potential buyers. If the other agent is representing the buyers as a buyer's agent, she won't be free to have open discussions about the house in front of you.
There's another negative that may be more important: busy agents don't have time to work around your schedule. Requiring the listing agent to be present for all showings is another way to give the house that difficult to show reputation.
If your sellers are worried about theft of small items, they should store them away . Packing up collections and small personal items is part of the process they should have already gone through to prepare the house for showings .
Pets Must Be Controlled
Pets should be out of the house during showings, especially large dogs, since many people are afraid of them. A gruff bark coming from inside the house is enough to make some home buyers turn around at the front door.
If there are pet odors, talking with your seller about the subject can be tricky, because most people are not aware of odors in their own home. You may need to conjure up your best be-tactful mode to deal with that subject, but it must be dealt with. Your sellers don't want buyers to remember the home as the house that smells .
Gaining Seller Cooperation
Share showing information in a 'did you know this about buyers' tone, rather than simply telling a seller what he must do. Explaining why these steps are important helps sellers realize that it's in their best interests to comply.
Consider putting showing advice on paper in an easy-to-read format. Give the seller a day or so to digest the information, then ask if he has any questions about the information.
Show that you respect the seller's opinions by asking what he thinks are the home's best features, then spotlight those features in a flyer or brochure that can be left on a table for prospective buyers.
Sellers usually just want to help. It's up to you to figure out a way to give them a role in the sales process, one that is truly helpful and that won't have a negative impact on showings. Important disclaimer information about this About site. Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Oprah's Life Vacation Ideas Shop Safely Online VIDEO: Craft Rooms VIDEO: Christmas Traditions 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
Home Equity $30,000 Cash
Home Loans - Home Equity Loans About Ditech Questions? Calculators Testimonials Live Chat Contact Us My Account Apply Now En Español -- Reach a home loan agent 24/7: Legal Marketing Disclosures Home Equity $30,000 Cash Offer $30,000 example based on 300 monthly payments of $219.27 with 7.375% APR. Your rate and term may vary. Radio Disclosure Tags: #1. California: 12 sec. Licensed by the California Department of Corporations under the California Residential Mortgage Lending Act. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #2. Arizona: 12 sec. Ditech.com is located at 3200 Park Center Drive Costa Mesa California 92626. Arizona Mortgage Banker License number BK-0903062. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #3. Colorado: 12 sec. 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For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #7. Massachusetts: 12 sec. In Massachusetts business is conducted under the name of ditech.com. Inc., Massachusetts Mortgage Lender license number ML 1895. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #8. Pennsylvania: 12 sec. Ditech.com is a Pennsylvania Department of Banking Licensee. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender #9. Connecticut: 12 sec. Competitive rates, low lender fees and no broker commissions from ditech.com. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #10. Nevada: 12 sec. Ditech.com is located at 3200 Park Center Drive Costa Mesa California 92626. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #11. Maryland: 12 sec. In Maryland business is conducted under the name GMAC Mortgage Corporation dba ditech.com. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #12. Washington D.C.: 12 sec. In Washington D.C. business is conducted under the name GMAC Mortgage Corporation dba ditech.com. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #13. New York: 12 sec. A Licensed Mortgage Banker -New York State Banking Department. Ditech.com is located at 3200 Park Center Drive Costa Mesa California 92626. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #14. Florida: 12 sec. Competitive rates, low lender fees and no broker commissions from ditech.com. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #15. Average time from application to disbursement of funds may vary. "I've dealt with a few different companies and was totally unsatisfied until I got in touch with ditech. Very painless." - Charlene N. Legal Assumptions Marketing Disclosures General Disclosures Privacy Policy Terms of Use State Licenses Security Guarantees New Purchase Overview Product Solutions Adjustable Rate Loan Home Strength Imperfect Credit 80/20 Program Overview Ditech $395 Flat Fee Moving Solutions Rates and Fees Rates at a Glance Payment Calculator Interest Rates Calculators Payment Calculator How Much Can I Afford? 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