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Real Estate prices in

Google Answers: Real Estate prices in San Francisco Bay Area - Los Altos, Cupertino, Saratoga .. Log in | Google Answers Home View Question Ask a Question Q: Real Estate prices in San Francisco Bay Area - Los Altos, Cupertino, Saratoga .. ( Answered , 4 Comments ) Question Subject: Real Estate prices in San Francisco Bay Area - Los Altos, Cupertino, Saratoga .. Category: Business and Money > Economics Asked by: realestatedoom-ga List Price: $10.00 Posted: 06 May 2002 14:46 PDT Expires: 05 Jun 2002 14:46 PDT Question ID: 13448 With everything in the economy setting new lows, the SF bay area realestate is growing up surprisingly. During the hey days of internetboom, the real estate hike was justified with the stock prices. Nowmost of those internet companies are bankrupted or trading at theirlows of a few pennies. Yet, the bay area real estate is HOT, sizzlingand I heard that the home prices are indeed going up. This has left meclueless as it defies all the gravity. I would like to know thereasons. Also, if the reasons indicate that there is a manipualtion ofthis market by vested parties, I would like some pointers as well. Andabove all, when does one see the real estate crash in this area andwhat could trigger the same. Thanks. Answer Subject: Re: Real Estate prices in San Francisco Bay Area - Los Altos, Cupertino, Saratoga .. Answered By: easterangel-ga on 19 May 2002 03:53 PDT Rated: Hi! Thanks for the question. I have collected the following assessments on why the Bay Area realestate market is being overpriced right now.According to these two articles by Broderick Perkins of the RealtyTimes he mentioned two underlying factors: (a and b).a. “The area's housing market is further influenced by the contractionof household wealth, largely due to the bust in the area'stechnology-based economy.”“When the market crashed, housing prices declined, and many newhomeowners, who found themselves with a mortgage they could no longerafford, put their homes on the market.”These statements are particularly trying to point out that a selectivefew are trying to squeeze the real estate market especially forhigh-end homes. http://realtytimes.com/rtnews/rtcpages/20020205_bayarea.htm b.) “The spotty-market syndrome” – “A record high "luxury" home price index that doesn't fully jibe withreports of lagging sales activity is a red flag indicating aspotty-market that warrants close scrutiny by both buyers and sellers.Spotty-Market syndrome or reporting is using data that does notadequately represent the targeted population in this case the sellersand buyers of homes in the Bay Area. ““Home shoppers may buy into bidding wars that don't exist and pay toomuch in a flat or depreciating market in a given neighborhood… couldbe trickling down to mid-priced homes which aren't appreciating asfast as even cheaper condos and townhomes.” http://realtytimes.com/rtnews/rtcpages/20010223_bayprices.htm Do these two statements subscribe to your suspicion as regards tosomeone or somebody trying to control the market? I think they do.c.) Supply and demand. There is such a demand for land/housing in theBay Area, and this drives the price of homes up. However, there areaffordable housing options. This was taken from Advantage Homeswebsite. This can be located at the lower part of the web page. http://216.239.33.100/search?q=cache:2eSmmIcxiNcC:www.bayarea.com/mld/bayarea/business/personal_finance/debt_management/mortgages/ask_expert_front.htm+%2BWhy+Bay+Area+homes+expensive&hl=en d.) The region's economy is so much more diverse than a decade ago.This reason is specifically a factor for the Sacramento area accordingto this article. http://www.sacbee.com/static/archive/home/realestate/2001/0520.html Some housing bargains in the Bay Area are mentioned this article.Housing Bargains: http://beta.kpix.com/news/5reports/Housing_Bargains.shtml As to your question as to when it would end? The second article ofBroderick Perkins which I cited said this near the end."Buyers and sellers are cautioned to keep tabs on sales and prices ofall homes. As spring approaches with its seasonally more activemarket, a clearer picture of the spotty market should emerge -- forbetter or for worse."The article continued that small changes in the Bay Area economy willchange the balance of supply and demand bringing pressure for high-endhome prices to go down. http://realtytimes.com/rtnews/rtcpages/20010223_bayprices.htm I pray that right now this is the case. Search Terms Used:+Why Bay Area homes expensivespotty marketI hope this would be of help. Thanks for being a part of GoogleAnswers.Regards,Easterangel-ga realestatedoom-ga rated this answer: provides good insight. of course, i am still puzzled on who and howpeople can so easily afford 1+ million homes in the bay area assumingnot much money is flowing from stock options?. i am also a littlepuzzled that the "demand" has not waned out significantly due to fallout of "tech" economy here!. in any case, thanks for the answer. Comments Log in to add a comment Subject: Re: Real Estate prices in San Francisco Bay Area - Los Altos, Cupertino, Saratoga .. From: delphina-ga on 06 May 2002 15:33 PDT prices are indeed going up. houses are still selling quickly withmultiple bids. why? not everyone was wiped out in the dot-com crash.those that made it, made it, and those that didn't are already gone. basically, it won't crash unless there is an earthquake.everything you need to know is in carol lloyd's Surreal Estate columnin the San Francisco Chronicle.see here: http://www.sfgate.com/columnists/lloyd/archive/ Subject: Re: Real Estate prices in San Francisco Bay Area - Los Altos, Cupertino, Saratoga .. From: realestatedoom-ga on 06 May 2002 16:43 PDT so, how does an earthquake impact the prices given that this region iseqrthquake prone. why is the buying herd not factoring this?. readingthrough lloyd's article, there is a sense of desperation amongstbuyers (so there are still buyers at this price left:), wonder whythey don't choose other greener pastures where they do not have tosacrifice their entire life paying huge mortgages in an uncertain andimploding tech and job market!.) to own the realty in the bay area. isthat desperation out of a need to be in this area or pyramid formationwhere you buy and get out of this in a few years selling the home fora huge profit. a.k.a like buying internet stocks at hyped up priceswith an idea of selling them to a bigger fool at higher prices. aslong as the pyramid continues, it all looks great. didn't we seeenough of that with internet stock bubble?. if so, when does the realestate bubble/pyramid come crashing? Subject: Re: Real Estate prices in San Francisco Bay Area - Los Altos, Cupertino, Saratoga .. From: claudietta-ga on 17 Jun 2002 01:19 PDT I think there were plenty of people with high incomes waiting for thehousing market to adjust, prior to the bubble bursting. Since therecontinues to be a large portion of high income earners in SiliconValley, say >$100k/person/yr; a $200k household could easilty afford a$1m-home. These could be earned by a single CEO or two professionalswith that sort of total income. In the high-end districts, Los AltosHills, Saratoga, Woodside, this is precisely the profile of the homeowners. There are plenty CEOs and professionals (lawyers, engineers,managers) who make that amount of money.I've also heard of many who've lost their $5m-homes, and have had to'settle' for a $2m-home.The very high-end, >$2.5m is where the real housing crisis is inSilicon Valley.claudietta-ga Subject: Re: Real Estate prices in San Francisco Bay Area - Los Altos, Cupertino, Saratoga .. From: krup-ga on 30 Oct 2002 01:38 PST I am baffled that the effect of low interest rates has not yet beenmentioned- people are able to afford more, so they do. It's theAmerican way.Check out Fortune's recent cover article with a pic of an SF domicileentitled, "Is this House worth $1.2 Million?" It sums up thesituation perfectly.http://www.fortune.com/indexw.jhtml?channel=artcol.jhtml&doc_id=209840 Important Disclaimer: Answers and comments provided on Google Answers are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Google does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. Please read carefully the Google Answers Terms of Service . If you feel that you have found inappropriate content, please let us know by emailing us at answers-editors@google.com with the question ID listed above. Thank you. Search Google Answers for all questions answered questions unanswered questions Google Home - Answers Help & Tips - Answers FAQ - Terms of Service - Privacy Policy ©2005 Google

Land For Sale

Missouri Real Estate MultiList - Homes, Land, Farms and Commercial Property For Sale Missouri Real Estate MultiList Homes, Land, Farms and Commercial Property For Sale Search Missouri MLS Real Estate For Sale Search for Real Estate in other states Home List of Agencies Agencies By City Agencies By County Missouri Info Real Estate Services Interesting Links Contact Us U.S. Lots Visit Our Blog! Welcome to the Missouri Real Estate MultiList - an independent searchable MLS database for Homes, Land, Farms and Commercial Property. The Missouri MultiList contains a wide selection of Missouri homes, land, farms and commercial property for sale . Search listings from many different MO Real Estate Agencies - farms, ranches, land, homes, rural, commercial property. We have Southern, Southeast, Southwest, Northern, Northeast, Northwest and Central real estate for sale in Missouri. Under the description of each listing, we provide a website link to the listing agency having the property listed. We encourage you to visit the individual agency web sites having properties you might be interested in, or you can request information directly from the information page on each real estate listings. You can find additional local area information and Missouri Maps and Information on the many agency sites listed here. Thanks for visiting the Missouri Realestate MultiList . If you have questions or need assistance, please do not hesitate to contact us. Real Estate Term of the Day for Thursday, December 29, 2005 Net Effective Income: The borrower's gross income minus federal income tax. Link to Us ©1998-2005 U.S. Cybertek, Inc., All Rights Reserved U.S. Cybertek, Inc. 350 W A. Suite #104, Casper, WY 82601 Phone: 417-967-2011 Website: http://www.uscybertek.com E-mail: webmaster@uscybertek.com The Missouri Real Estate Multi List, is an advertising resource for real estate agencies and is not involved in any real estate transaction. "Missouri Real Estate MultiList" and "Missouri MultiList" are Trademarks of U.S. Cybertek, Inc. Real Estate MultiList

Colorado Real Estate

State of Colorado-Department of Regulatory Agencies - Division of Real Estate Home Page Debbie Campagnola Director To promote a balanced and sensible approach to regulation that protects the public interest and supports economic growth. Information about Appraisers Information about Brokers Activities || Funding Sources || Trends Activities The Division of Real Estate regulates real estate appraisers, salespersons and brokers through licensure and discipline. Licensees must comply with established educational and experience requirements, and pass a test prior to licensure. Earnest money deposits and escrow and trust funds are regulated by the Division. The Division's objectives are to: Provide public protection to the citizens of the State of Colorado from incompetent and dishonest persons in the real estate and appraiser professions, and from unscrupulous or financially unsound subdivision developers. Mitigate financial loss to the public resulting from real estate fraud and theft. The objectives are met through the following activities: I. Licensing real estate brokers and appraisers and registering time share and raw land subdivision developers under the jurisdiction of the Real Estate Commission. II. Enforcing laws by investigating complaints, conducting investigative and routine financial audits, and administering disciplinary action. III. Administering a mandatory Errors and Omissions Insurance Program. IV. Communicating, to include anticipating and responding to the public need for effective information and assistance. The Division regulates time share projects sold in Colorado, and regulates developers of subdivisions consisting of 20 or more residential sites, tracts or lots that are not required to be approved by another state planning authority. A five-member Commission meets monthly to conduct rule making hearings, make policy decisions, consider licensing matters, review complaints and take disciplinary action against licensees. Commission members serve three-year terms, and members are appointed as follows: three real estate brokers, one person with expertise in subdivision development, and one public member. License verification can be found on line through the License Database. For information regarding disciplinary actions consult the online Disciplinary Documents . Persons wishing to file a complaint against a licensee should send a written complaint to the Division. See Complaint Process. The Division also regulates real estate appraisers pursuant to the requirements of the Federal Real Estate Appraisal Reform Amendments of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. The Board of Real Estate appraisers consists of seven members appointed by the Governor: three licensed or certified appraisers, one of whom must have expertise in eminent domain, a county assessor, an officer or employee of a commercial bank experienced in real estate lending, and two public members. Board members serve three-year terms. Funding Sources The Division of Real Estate is cash funded from fees pursuant to Colorado statute. Fees are paid for licensure or registration in the real estate and appraiser professions. Fee amounts are established annually for the purpose of covering direct and indirect costs incurred by the Division for licensing and enforcement. Fiscal Year Revenue Expenditures FY 03 (Actual) $3,825,954 $3,953,316 FY 04 (Actual) $3,258,895 $3,798,301 FY 05 (Actual) $4,733,079 $4,116,100 FY 06 (Estimate) $3,162,421 $3,812,724 The following pie chart shows the estimated source of revenue for Fiscal Year 06. . The following pie chart shows the estimated expenditures for Fiscal Year 06. Trends The real estate market in Colorado will remain strong in the coming year, although activity will slow somewhat as a reflection of higher interest rates. Licensing by the Division of Real Estate should continue to increase in the current year, reflecting the continuing strong real estate market. The sale of raw land subdivisions and condominium/loft conversions remain strong and the Division is continuing increased enforcement activity in these areas. No major state or federal legislative initiatives affecting real estate are expected in the coming year. While one-stop shopping and affiliated business arrangements remain topics of great interest in Colorado and nationally, Congress's decision to again postpone a major review of the Real Estate Settlement Procedures Act leaves the states and industry without clear guidance in these areas. As real estate companies continue to consolidate and expand nationwide and the Internet provides consumers with instant access to properties on a vast scale, increased regulatory scrutiny is being focused on interstate operations. In Colorado, a reciprocal licensing program has facilitated the growth of interstate commerce. Another result of increasing real estate activity on the Internet is the heightened level of sophistication on the part of the general public regarding real estate transactions and real estate procedures in general. The public is coming to expect a higher level of performance on the part of real estate brokers, which the Division must address by increasing the competency level of licensees and maintaining a close watch on the pulse of the public. As with all government agencies, the public and real estate industry will expect higher levels of customer service from the Division. This will be particularly true in the areas of e-commerce and electronic communications. Last update 9/28/05 Privacy Statement | Disclaimer Technical Assistance: E-Mail Information Technology Section Revised November 7, 2005 Federal Home Page || State Home Page || Department Home Page Top of Page E-Mail the Division of Real Estate 1900 Grant Street, Suite 600 Denver, CO 80203 (303) 894-2166 or (303) 894-2185 - Phone (303) 894-2683 - Fax Relay Colorado (TTY (English & Spanish), Voice, VCO, ASCII, STS Assistance Numbers)

Selling Home & Garden

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