Buy House

Buy my house, please! - Sep. 11, 2003 CNN/Money Web Autos Real Estate Money's Best Home Markets & Stocks News Jobs & Economy World Biz Technology Commentary Personal Finance College Credit and Debt Insurance Interest Rates Retirement Tax Center Ask the Expert Five Tips The Good Life Millionaire in the Making Money 101 Moneyville Retirement Planner Savings Calculator Asset Allocator Mutual Funds Money Magazine Video CNN TV Fortune 500 Best Employers Money 101 Portfolio Calculators Real-time Quotes Last 5 Quotes SPONSORED BY include virtual="/fn_adspaces/markets-stocks/last_five_quotes/sponsor.88x31.ad" -- CNN/Money Email newsletters RSS Mobile news Money archives Buy story reprints Find a Mortgage SPECIAL OFFER Your Money Your Home Buy my house, please! As the market cools, it will take more work to get that 'For Sale' sign out of your front yard. September 11, 2003: 5:10 PM EDT By Sarah Max, CNN/Money Staff Writer BEND, Ore. (CNN/Money) To say that it's been a seller's housing market is the understatement of the year. Homeowners looking to sell in most parts of the country haven't had to wait around very long for a suitable offer, and those in the best markets have seen their homes swooped up in a matter of days, even hours. In early 2003, in fact, 21 percent of all houses went into contract less than one week after going on the market, according to the National Association of Realtors (NAR). On average, houses sold in just five weeks nearly half the time it took throughout the 1990s. "I believe this may be our best year ever," said David Hemenway, a realtor in Cottage Grove, Ore., who's been in the business since 1968. On the other side of the country in Sebring, Fla., realtor Chip Boring is enjoying a record year. Yet, both are aware that great times can't last forever. "Up until the last 2 1/2 years the average time on the market was anywhere from 180 days to 210 days," Boring said. And Hemenway recalls the early 1980s when his listings lingered on the market, sometimes for years. As interest rates creep up, buyers' budgets creep down and markets return to more normal levels, sellers will discover that it takes a little more work (and patience) to unload their homes. Many already have. While there is little you can do to change the laws of supply and demand, you have some control over whether your house sits or sells. Here are the most common reasons houses don't sell, in order of importance. The price is not right Even in the best of markets, setting your price too high is a mistake -- unless you really don't want to sell your house. "Starting too high is the worst thing you can do," said Hemenway. More on Your Home • Mortgage Application Center • Beating higher rates • Mortgage demand hits 14-month low • Choosing the best mortgage now Why? Because your greatest opportunity for selling your house is immediately after it goes on the market. That's when the majority of serious buyers will see the house. "Even if you lower the price to reflect the market, you'll have fewer people coming through than if you'd just priced it right to begin with," said Hemenway. In fact, it's not until after you bring the price down below the market something few sellers want to do that interest will pick up again. To make matters worse, say real estate agents, the longer a house sits the harder it is to sell. "Everyone thinks there must be something wrong with the house if it hasn't sold," said Boring, adding that for this reason he won't take on a listing if the seller insists on asking more than the house is worth. To drum up new interest among buyers, sellers sometimes pay for extra advertising or offer to, for example, pay for closing costs as a way to get buyers' attention. "In markets where people don't have a lot of cash, paying for closing costs or buying down interest rates with points up front can put you at a huge advantage," said Ron Phipps, a realtor in Warwick, R.I. The house is in the wrong place When markets are good, buyers are more willing to buy on the outskirts of an area or turn a blind eye to busy streets, bad views and other problems. But when markets cool down, it's these spots that suffer the most, said Hemenway. Short of moving the house, there is not much you can do if it is in the wrong location. But while in the house you can take care to make sure you don't over-improve your property relative to the ones around it. "If you have a $300,000 house in a neighborhood of $100,000, be prepared to lower the price or let it sit," said Boring. Buyers can't get past the front door Realtors say that getting buyers to take a look inside a house is the biggest challenge of selling a house. Once they've stepped through the door buyers are more likely to consider a place. "I recently sold a house that from the front was not very inspired," said Phipps. "The buyers came to the open house only because they needed to kill time, but once inside they were interested." For this reason, a little time and money spent on curb appeal will go a long way. Trimming the grass, washing the windows and planting a few flowers may be all it takes. In the case of houses whose best features are inside or out back, Phipps recommends taking good interior pictures and putting 360-degree tours online. Sellers sometimes get buyers to look past their homes' imperfections with creative extras. "I've seen sellers offer decorating allowances, and pay for cleaning service and landscaping," said Phipps. "Several years ago a seller in the bakery business offered to bring the buyer a different cake every month." Too much chintz and tchotchkes Less is more when it comes to attracting buyers. "Put all of those pictures of your family and other personal treasures away," said Sheryl Gregory, a broker in Wynthrop, Maine. "It distracts buyers and makes it harder for them to picture themselves in the house." She also recommends taking down distracting curtains and putting on a fresh coat of paint. "Buyers sometimes get scared if they wander through a house and think they're going to have to do a lot of painting," she added. --* Disclaimer Selling? Buying? Click to compare top local real estate agents More on YOUR HOME • Your Home: Bracing for higher rates • Refinancing demand lags again • A rose is (not) a rose TODAY'S TOP STORIES • Most overvalued housing markets • Risks to the economy in 2006 • Which was the worst ad of all in 2005? CNN Money contact us | subscribe to Money magazine advertising -- | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business 2.0 | Time © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. 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Florida Real Estate

Real Property for Auction JANUARY 2006 AUCTIONS CORNER LOT - ONLINE AUCTION 124 Sterling Street, Brooklyn, New York 11225 On-line Auction Starts: Monday, January 9, 2006 at 8:00 a.m. EST On-line Auction Ends: Wednesday, January 11, 2006 at 3:00 p.m. EST Total Site Area: 2,575 ± sq. ft. Description: 25 feet x 103 feet corner lot at the intersection of Sterling St. and Bedford Avenue in Brooklyn, NY. For complete details on this property click on the photo or CLICK HERE SINGLE FAMILY HOME 708 Kuhlman Road, Houston, Texas 77024 Auction: Tuesday, January 17, 2006 Auction Starts: 12:00 noon Total Living Space: 6,291 ± sq. ft. Description: Two level home with 5 bedrooms, 5 baths, 3 fireplaces, and a 3-car garage. Separate unfinished guest house with kitchen, family room, 3 bedrooms, and 2 baths. For complete details on this property click on the photo or CLICK HERE VACANT LAND - ONLINE AUCTION Ambrosia Street, Padre Island, No 3, Lot 4, Blk 71, Corpus Christi, Teaxas 78418 On-line Auction Starts: Tuesday, January 17, 2006 at 8:00 a.m. EST On-line Auction Ends: Thursday, January 19, 2006 at 3:00 p.m. EST Total Site Area: 12,379 ± sq. ft. Description: Located on Padre Island near the Gulf of Mexico. For complete details on this property click on the photo or CLICK HERE CONDOMINIUM 14514 Cabana East, Unit 306, Padre Island, Corpus Christi, Texas 78418 Auction: Friday, January 20, 2006 Auction Starts: 12:00 noon Total Living Space: 1,303 ± sq. ft. Description: Two level condominium with 3 bedrooms, 2 baths, and rooftop deck. For complete details on this property click on the photo or CLICK HERE SINGLE FAMILY HOME ON 11.6 ACRES AND 7.158 ACRES OF LAND 105 L Anderson Road, Auburn, Kentucky 42206 Auction: Tuesday, January 24, 2006 Auction Starts: 12:00 noon Total Living Space: (Revised 12/20/05) 2,141 ± sq. ft. Description: Log home with 3 bedrooms, 1.25 baths, 2 fireplaces, and a one-car garage on 11.6 arces. Adjoining tract of 7.158 acres of land. Properties will be sold separately, then combined for Buyers Option. For complete details on this property click on the photo or CLICK HERE SINGLE FAMILY HOME 1311 S. Monte Cristo Way, Las Vegas, Nevada 89117 Auction: Friday, January 27, 2006 Auction Starts: 12:00 noon Total Living Space: 3,583 ± sq. ft. Description: Two level home with 4 bedrooms, 3.5 baths, and 3-car garage For complete details on this property click on the photo or CLICK HERE SINGLE FAMILY HOME 736 South 153rd Circle, Omaha, Nebraska 68154 Auction: Tuesday, January 31, 2006 Auction Starts: 12:00 noon Total Living Space: 2,359 ± sq. ft. Description: Two level home with 5 bedrooms, 2.5 baths, fireplace, and a 2-car garage. For complete details on this property click on the photo or CLICK HERE FEBRUARY 2006 AUCTIONS SINGLE FAMILY HOME 6408 Jersey Lane, Arlington, Texas 76018 Auction: Wednesday, February 1, 2006 Auction Starts: 12:00 noon Total Living Space: 4,047 ± sq. ft. Description: Two level home with 6 bedrooms, 2.5 baths, and a 2-car garage. For complete details on this property click on the photo or CLICK HERE SINGLE FAMILY HOME 6611 Wagner Way, San Antonio, Texas 78256 Auction: Thursday, February 2, 2006 Auction Starts: 12:00 noon Total Living Space: 4,851 ± sq. ft. Description: Three level home with 4 bedrooms, 4.5 baths, 2 fireplaces, inground pool, and a 2-car garage. For complete details on this property click on the photo or CLICK HERE COMING SOON SINGLE FAMILY HOME 477 Lee Street, Strasburg, Virginia Auction: Coming soon Total Living Space: 2,016 ± sq. ft. Description: 3 bedrooms, 1.5 baths Further details on this property coming soon... 0.31 ACRE OF LAND 65 Circle Road, Staten Island, New York 10304 Auction: Coming soon Total Site Area: 0.31 ± Acre (13,361 ± sq. ft.) Description: Located in Todt Hill area of Staten Island. Adjacent to property being auctioned on Benedict Road. Further details on this property coming soon... 1.15 ACRES OF LAND 51 Benedict Road, Staten Island, New York 10304 Auction: Coming soon Total Site Area: 1.15 ± Acres (45,348 ± sq. ft.) Description: Located in Todt Hill area of Staten Island. Adjacent to property being auctioned on Circle Road. Further details on this property coming soon... SINGLE FAMILY HOME 2670 Moores Mill Road, Spencer, Virginia Auction: Coming soon Total Living Space: 1,571 ± sq. ft. Description: 3 bedrooms, 2 full baths. Located on 9 ± acres on the North Mayo River with scenic views. Further details on this property coming soon... SINGLE FAMILY HOME Located in La Habra Heights, California Auction: Coming soon Total Living Space: 2,253 ± sq. ft. Description: One level home with 4 bedrooms, 2 baths, 2-car garage and swimming pool Further details on this property coming soon... SINGLE FAMILY HOME Located in Rio Rico, Arizona Auction: Coming soon Total Living Space: 1,425 ± sq. ft. Description: One level home with 3 bedrooms, 2 baths, and 2-car garage Further details on this property coming soon... SINGLE FAMILY HOME Located in Longwood, Florida Auction: Coming soon Total Living Space: 2,721 ± sq. ft. Description: Two level home with 4 bedrooms, 3 baths, fireplace, 2-car garage, and inground pool in screened enclosure. Further details on this property coming soon... SINGLE FAMILY HOME Located in Hollywood, Florida Auction: Coming soon Total Living Space: 4,912 ± sq. ft. Description: Two level home with 6 bedrooms, 5 baths, 2-car garage, inground pool and spa, seawall and wood dock on ocean access canal. Further details on this property coming soon... SINGLE FAMILY HOME Located in Heathrow, Florida Auction: Coming soon Total Living Space: 3,157 ± sq. ft. Description: 1.5 level home with 4 bedrooms, 3 baths, bonus room, 3-car garage, and inground pool in screened enclosure. Further details on this property coming soon... SINGLE FAMILY HOME Located in Miami, Florida Auction: Coming soon Total Living Space: 4,185 ± sq. ft. Description: One level home with 6 bedrooms, 4.5 baths, 2-car garage, guest house, and inground pool. Further details on this property coming soon... SINGLE FAMILY HOME Located in Homestead, Florida Auction: Coming soon Total Living Space: 2,312 ± sq. ft. Description: One level home with 4 bedrooms, 4 baths, and guest house on 2 ± acres. Further details on this property coming soon... SINGLE FAMILY HOME Located in Homestead, Florida Auction: Coming soon Total Living Space: 1,930 ± sq. ft. Description: Two level home with 3 bedrooms, 2 baths, kitchen and living area on both levels, one-car garage and carport, and 2 horse barns on 2.5 ± acres. Further details on this property coming soon... SINGLE FAMILY HOME Located in Winston-Salem, North Carolina Auction: Coming soon Total Living Space: 1,338 ± sq. ft. Description: One level home with 2 bedrooms, 1 bath, carport, unfinished basement, and small barn on 2.9 ± acres. Further details on this property coming soon... COMMERCIAL VACANT LAND 3514 Boudinot Avenue, Cincinnati, Ohio 45211 Auction: Coming soon Total Site Area: 7,012 ± sq. ft. Description: 55 ft. x 127.50 ft. commercial lot zoned B-4 General Business. The site is located along the east side of Boudinot Avenue just south of the Harrison Avenue intersection, and sits between a commercial building and a multi-family dwelling. Further details on this property coming soon... AUCTIONS ARE OPEN TO THE PUBLIC. YOU DO NOT NEED A REAL ESTATE BROKER TO BID. If you would like to receive an e-mail notification when the auction date has been scheduled for these coming soon properties, please click here to register online for the free e-mail notification service .

Home Loan Calculator -

National Bank: Home Loan Calculators Day to Day Home Loans - Home Loan Interest Rates - What Are You Borrowing For? - Home Loan Calculator - Which Home Loan is Best For Me? - Thoroughbred Fixed Home Loan - Thoroughbred Floating Home Loan - Thoroughbred Flexible Home Loan - Useful Home Buying Information - Frequently Asked Questions - How to Apply Personal Loans Credit Cards Investments Insurance Retirement Savings Travel Products Private Banking Home Loan Calculators Here's an easy way to get an idea of some of the financial figures you may need when buying a home. Please note that this calculator is designed to give ageneral indication in relation to owner occupied homes only. For homeloans relating to other types of properties (for example, investmentproperties or apartments) call us on 0800 185 185, send an e-mail orcontact a Mobile Mortgage Manager . Enter the relevant information to: Work out how much you could potentially borrow Work out what the repayments may be Work out if you can afford it Renting? Work out how much you could potentially borrow if the amount you pay in rent was a home loan repayment. Please note that the figures the calculatorsprovide are estimates only. You will need to provide moreinformation when applying for a Home Loan. In addition, the propertyyou are purchasing will need to be approved by the Bank to ensure it will provideadequate security for your home loan. You've got the figures, where do you go next? Check out a Thoroughbred Fixed , Floating or Flexible Home Loan. You can also view our current Home Lending Rates . To see how repayments for a home loan will affect your budget, check the Budget Planner . You'll find plenty of handy hints on our Tips for buying a home page. And for a great selection of house listings throughout New Zealand, check out RealENZ and Open2view . Achieving your deposit If you find you need to save more for your deposit, the Savings Calculator will help you set up a plan and work out how long you'll take to reach your goal. FirstHome options may also be available for customers with a small or no deposit. Please note that eligibility criteria apply for FirstHome options. Moving here from overseas Thinking of immigrating to New Zealand? Check out the Moving to New Zealand section for information on applying for National Bank accounts and Home Loans. Applying for a loan Find out How to apply for a Thoroughbred Home Loan, apply online , or download an application form , or contact us: call 0800 185 185 to talk to a lending specialist call a Mobile Mortgage Manager near you e-mail for enquiries or feedback visit your nearest branch call from overseas on +64 4 462 1615 or find the overseas freephone for your country Work out how much you could potentially borrow This calculator requires JavaScript to run. Please adjust your browser settings. Income Your gross income (before tax) $ annually monthly fortnightly weekly If joint application, gross income for other applicant $ annually monthly fortnightly weekly Total income $ Commitments (not including home loan) Child support $ annually monthly fortnightly weekly Hire purchase $ Credit cards (limits) $ Overdrafts $ Student loan (first applicant) $ Student loan (second applicant) $ Other loans $ Percentage to be borrowed 80% 90% 95% $ This calculator is intended to provide an indication only and is not an offer of finance by The National Bank . All National Bank Home Loans are subject to the Bank's lending criteria, applicable fees and interest rates, all of which are subject to change. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. All calculations relate to lending forowner occupied properties (which are subject to Bank approval as providingadequate security for the loan) and are based on a table repayment option. For full details or to apply for a Home Loan, call us on 0800 185 185 , send an e-mail or contact a Mobile Mortgage Manager . Work out what the repayments may be This calculator requires JavaScript to run. Please adjust your browser settings. Loan amount $ Term years Payment frequency Monthly Fortnightly Weekly Interest rate % $ This calculator is intended to provide an indication only and is not an offer of finance by The National Bank . All National Bank Home Loans are subject to the Bank's lending criteria, applicable fees and interest rates, all of which are subject to change. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. All calculations relate to lending forowner occupied properties (which are subject to Bank approval as providingadequate security for the loan) and are based on a table repayment option. For full details or to apply for a Home Loan, call us on 0800 185 185 , send an e-mail or contact a Mobile Mortgage Manager . Work out if you may be able to afford a particular property This calculator requires JavaScript to run. Please adjust your browser settings. Income Your gross income (before tax) $ annually monthly fortnightly weekly If joint application, gross income for other applicant $ annually monthly fortnightly weekly Total income $ Commitments (not including home loan) Child support $ annually monthly fortnightly weekly Hire purchase $ Credit cards (limits) $ Overdrafts $ Student loan (first applicant) $ Student loan (second applicant) $ Other loans $ Cost of property $ Your deposit $ Term $ years Payment frequency $ Monthly Fortnightly Weekly $ $ This calculator is intended to provide an indication only and is not an offer of finance by The National Bank . All National Bank Home Loans are subject to the Bank's lending criteria, applicable fees and interest rates, all of which are subject to change. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. All calculations relate to lending forowner occupied properties (which are subject to Bank approval as providingadequate security for the loan) and are based on a table repayment option. For full details or to apply for a Home Loan, call us on 0800 185 185 , send an e-mail or contact a Mobile Mortgage Manager . Renting? Work out how much you could potentially borrow if the amount you pay in rent was a home loan repayment. This calculation converts your rent payment into a home loan repayment. If you feel you could afford more, then include any regular savings that could go towards a home loan repayment to find out how much you may be able to borrow. This calculator requires JavaScript to run. Please adjustyour browser settings. Your current rent payment $ Rent payment frequency weekly fortnightly monthly annually Percentage of the purchase price to be borrowed 80% 90% 95% In some instances The National Bank may be able to lend up to 95% of the current purchase price or recent valuation from a registered valuer, whichever is lower. $ $ This is based on deposits of 20%, 10%, or 5% of the current purchase price or recent valuation from a registered valuer, whichever is lower. It is also based on a table loan over 25 years. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. $ This calculator is intended to provide an indication only and is not an offer of finance by The National Bank . All National Bank Home Loans are subject to the Bank's lending criteria, applicable fees and interest rates, all of which are subject to change. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. All calculations relate to lending forowner occupied properties (which are subject to Bank approval as providingadequate security for the loan) and are based on a table repayment option. For full details or to apply for a Home Loan, call us on 0800 185 185 , send an e-mail or contact a Mobile Mortgage Manager . ©2005 The National Bank of New Zealand, part of ANZ National Bank Limited ( Terms of Access )

Real Estate Investing Depot

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property listings throughout the

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