Real Estate Broker

Weichert Realtors: Homes for Sale & Real Estate Listings in NJ,NY,FL,VA,MD,DC,CT,PA,MA,SC,NC,TX,GA,DE,OH,TN,WV En Espanol City & State, or Zip: MLS #: Price Range: $ ,000 To: $ ,000 Rentals Careers at Weichert Luxury Homes Historic Homes New Homes and Land Corporate Housing Commercial & Investments Insurance Gold Services Relocation Real Estate Schools Referral Associates Franchise Opportunities Start your Home search here, or click on the map. Please Select Alabama Arkansas Connecticut Delaware Florida Georgia Illinois Maryland Massachusetts Missouri New Jersey New York North Carolina Ohio Pennsylvania South Carolina Tennesee Texas Virginia Washington, DC West Virginia Weichert, Realtors proudly donated $1.3 million to the American Red Cross for the victims of Hurricane Katrina Also Search For: Selling · Open Houses · Mortgages · Associates · Offices Browse By State: Alabama Real Estate Properties New York Real Estate Properties Arkansas Real Estate Properties North Carolina Real Estate Properties Connecticut Real Estate Properties Ohio Real Estate Properties Delaware Real Estate Properties Pennsylvania Real Estate Properties Florida Real Estate Properties South Carolina Real Estate Properties Georgia Real Estate Properties Tennesee Real Estate Properties Illinois Real Estate Properties Texas Real Estate Properties Maryland Real Estate Properties Virginia Real Estate Properties Massachusetts Real Estate Properties Washington, DC Real Estate Properties Missouri Real Estate Properties West Virginia Real Estate Properties New Jersey Real Estate Properties Call 1-800-USA-SOLD (1-800-872-7653) Buying a House | Selling a Home | Open Houses | Real Estate Agents | Realtor Offices Find a Mortgage | My Real Estate Listings | About Weichert | Home | Contact Us Real Estate Franchise Opportunities | Weichert Careers © 2005 Weichert Realtors. All rights reserved. Terms of Use | Privacy Statement REALTOR® -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS ® and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR® holds membership. © 2005 Weichert Realtors. All Rights Reserved.

Home For Sale

Homes and Communities - U.S. Department of Housing and Urban Development (HUD) HUD news Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Hurricane Information HUD's hurricane resource page How to get help Press releases and photos HUD's response to the hurricanes Progam guidance and waivers Katrina Disaster Housing Assistance Program Contact information Operating requirements Consolidated contributions contract Disaster rent subsidy contract HUD Highlights Bush Administration announces $1.33 billion in grants to house and serve thousands of homeless individuals and families $20 million aimed at increasing public housing resident self-sufficiency and aiding elderly, disabled HUD seeks nominations for second annual Woodson Awards President Bush announces Homesteading Initiative Jackson signs 'Five-Star' statement of support for National Guard and Reservists HUD announces mortgage assistance for disaster victims Avoid Predatory Lenders Web Clinics for HUD Partners National Calendar of events Daily message At Your Service Learn how to buy a HUD home Learn how to apply for public housing and Section 8 See if HUD owes you a refund on your FHA loan Find a HUD-approved lender in your area Talk to a housing counselor File a housing discrimination complaint Submit Freedom of Information Act (FOIA) request Busque información en español Learn about the President's agenda to expand homeownership More services Important Links Medicare Prescription Drug Coverage Annual Performance Plan 2005 Performance Accountability Report (PAR) Equal employment opportunity data posted pursuant to the No Fear Act regulations.gov Information by State Find information about homes and communities, organized by state. Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico/ Virgin Islands Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Homes for Sale Find homes for sale from HUD and other federal agencies. Information For... Citizens Homebuyers Senior citizens Veterans/Military Kids Students People with disabilities Researchers Landlords Tenants Colonias/farmworkers Native Americans Victims of Discrimination Housing Industry Lenders Brokers Housing agencies/tribes Multifamily industry Appraisers Other Partners Grantees/ non-profits Congress/ elected officials Small businesses Fair housing Faith Based and Community Organizations Hospitals Investors Auditors/ investigators Now Playing Appraisal Protocol Content updated December 23, 2005 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Sell House

Selling Your Home, Sell home, selling a house, selling house, sell your home - Home Services Mortgages Research Moving Zero Down Appraisals -- -- A Simple Guide for Selling a Home on Your Own Preface: Why sell yourself? Selling a home yourself, without an expensive real estate broker is easier than most people think. However, it will take some work on your part. You will be doing a lot of things that a real estate agent might normally do. Just follow the For Sale By Owner.com step-by-step selling guide below, and you'll not only save lots of money, but we'll make the house selling process as effortless as possible It's the money! Sellers save thousands of dollars not paying a 6% or 7% commission. For example, if your home can sell for $250,000, youd save $15,000 to $17,500 in commissions. Sell Your Home Fast. Because you are not paying an outrageous selling commission, you can afford to price your home more aggressively. The lower the price, the more likely it sells fast. You will still walk away with thousands in savings, but you'll just be doing it faster. It's so easy. Despite what a real estate broker may say, selling a house is not rocket science. They know that, and soon you will too. Just follow the simple selling steps below. And, if you have any questions, call us and one of our representatives will try to answer any questions you may have. You are not alone - For Sale By Owner.com will help you every step of the way. We are one of the largest and fastest growing real estate service companies in America. In fact, our web site is one of the top-five most visited real estate sites in America. Thousands of eager home buyers visit us everyday. Perhaps one of them is looking for a home just like yours. Over the past five years, we've helped sell thousands of homes, saving home owners millions of dollars. So let's get started. 8 Easy Steps to Selling a Home Yourself Step 1. Preparing your home to sell - make it look great Presentation is everything! Home buyers are attracted to clean, spacious and attractive houses. Your goal is to dazzle buyers. Brighten-up the house and remove all clutter from counter tops, tables and rooms. Scrub-down your house from top to bottom. Make it sparkle. Simple aesthetic improvements such as trimming trees, planting flowers, fixing squeaking steps, broken tiles, shampooing rugs and even re-painting a faded bedroom will greatly enhance the appeal of your house. Also, make sure your house smells good. That's right, clean out the cat box and light mildly scented candles. Invite a neighbor over to walk through your house like a buyer would. Get their opinion on how it "shows." The stuffed donkey in the family room may have to go to your in-laws for a while. Step 2. Pricing your home effectively Do not over price your home. Over-pricing when you sell a home reduces buyer interest, makes competing homes look like better values, and can lead to mortgage rejections once the appraisal is in. Over-pricing when selling a home is the single biggest reason why many "for sale by owner" home sellers don't sell their homes successfully. Remember: the home selling market dictates the price (not what you think it should be worth). One of the best ways to correctly price your house when selling is to find out how much other homes, similar to your own, recently sold for in your neighborhood. Talk to home sellers, buyers and check out the real estate listings in your local newspaper. Typically, if you set the price of your home at 5 to 10 percent above the market price, you are likely to end up with an offer close to your home's true value. Also, you may try calculating the cost per square foot of your home compared to the house selling prices in your area (divide list price by square footage of livable space). If your house has more features or other desirable qualities, you may want to set a slightly higher house selling price. The easiest way to accurately price your home is to contact your local home appraiser . Finally, set your house selling price just under a whole number, such as $169,900 rather than $170,000. Step 3. Get a real estate lawyer Even though it's an additional expense, it may be wise to hire a lawyer who will protect your interests throughout the entire transaction. An experienced real estate lawyer can help you evaluate complicated offers (those with a variety of conditions), act as an escrow agent to hold the down payment, evaluate complex mortgages and/or leases with options to buy, review contracts and handle your home's closing process. They can also tell you what things, by law, you must disclose to buyers prior to a sale and can also help you avoid inadvertently discriminating against any potential buyers. In some areas, title companies will handle all aspects of the transaction and have in-house legal departments that can assist you with legal issues that may arise. To locate a title company in your area, click here . Unless you're significantly experienced in the home selling process, having a real estate lawyer at your side provides peace-of-mind. You know you've got someone looking out for your interests, not just the buyers. To locate a lawyer in your area, click here Step 4. Marketing your home Exposure, exposure, exposure. That's how sellers sell their home fast. For Sale By Owner.com provides extensive home exposure because over 700,000 unique visitors come to the web site each month (that's Internet-speak for new people). In fact, For Sale By Owner.com is one of the top-five most visited real estate web sites in the U.S. getting literally millions of visitors looking to buy or sell a home. We spend tens of thousands of dollars a month to assure that For Sale By Owner.com is prominently placed on Internet search engines so buyers can easily find our site throughout process of selling your home. If your home is in a market where For Sale By Owner.com has a mass-distributed magazine, your home's exposure will be even greater because they can be found at thousands of locations frequented by buyers that include grocery stores, shopping centers, convenience stores and restaurants (the magazine is in over 40 markets nationwide). Writing your sell ad While For Sale By Owner.com allows you a 3,000 word description of your house (try to afford that in a newspaper ad), your advertising copy should be thorough yet short, simple and to-the-point. Long, flowery prose will not make your house sound more appealing. It will simply make it harder for the home buyer to read. Make sure to provide the critical facts buyers are looking for such as the house's number of bathrooms, a re-modeled kitchen, etc. Most home buyers quickly scan ads, so it is important that your house stands out. For example, you may want to add a theme-line such as "Priced below market" or "Great schools." Stay away from industry jargon and use language that makes home buyers comfortable. Survey our web site and see how others have written their ads. You will quickly see which are "buyer friendly." Copy their approach for your ad. Home Photos: Yes, a picture is worth a thousand words If you are taking a photo of your home, be sure that the home's yard/driveway is uncluttered. Remove bikes, garbage cans and parked cars. The same applies for interior shots. People are looking to buy your house, not your possessions. Think of furniture as props and the room a stage. Move things around if you have to. Also, take lots of house photos. Film is cheap...your home deserves quality. The more you shoot, the better the odds are that you'll get a few really good shots. Lawn signs Lawn signs are one the most important marketing tools for home sellers. They attract attention to your home. Professionally-produced signs (like the ones we can send to you) telegraph to home buyers a "quality" image of your house. Directional signs also help drive buyers to your property, especially if you do not live on a busy street. Open houses Open houses are sometimes a good way to attract buyers to your home. Typically, real estate agents conduct open houses for two reasons; 1. Clients expect them 2. They are a good way to attract buyers, not just for the open house but for all houses for sale in the Real Estate Agent's area (yes, your competition). The fact is that very few houses sell due to a open house itself. Home Brochures/Information sheets It is a good idea to create an information sheet (with a photo) about your home to give potential buyers. Consider printing copies of your ad from For Sale By Owner.com to give to people who visit your home. The MLS The MLS or Multiple Listing Service can also help market your home, particularly to real estate agents who may know of buyers seeking a property like yours. The MLS is a directory used by real estate agents to announce to other agents that they have a home for sale. In many selling markets, For Sale By Owner.com can put your house on the MLS (for an additional fee). However, if a real estate agent finds you a buyer after seeing your home on the MLS, you must usually pay that agent a 2.5% to 3% commission (the law states that all commissions are negotiable, however). You are your home's best salesman As every salesman knows, to be effective you have to really know your product. And who knows your home better than you? Certainly not a real estate agent, who, in all likelihood, has spent only a few moments in your house before showing it to prospective buyers. Sell your neighborhood as well as your house. Show enthusiasm, but don't get caught-up talking too much about how "your daughter spent the best years of her life in this very room." Step 5. Negotiating an offer on your home When a home buyer makes an offer (this is often presented to you directly from the buyer or through their lawyer), you should consult with your attorney. Buyers and sellers have an Attorney Review Period, which is usually three days, to cancel or amend the offer. The offer becomes a contract at the end of the Attorney Review Period, and is binding. Many of your home's offers can be complicated and contain special clauses that favor the buyer. Purchase price isn't everything. Carefully consider the purchase contract's other terms and conditions. Too many contingencies can leave loopholes and cause a deal to collapse. Especially avoid contingencies that favor the house's buyer, such as linking the escrow closing date to the buyer's sale of their current home. If the buyer insists on such terms, include a so-called kick-out clause in the contract that will allow you to consider other offers if the buyer isn't able to sell within a certain period of time. Assess your buyer's financial qualifications Is the buyer pre-approved? How much of a loan is the buyer seeking? Unless you are in an active market, lenders tend to shy away from underwriting a deal in which the purchase price is higher than the nearest comparable sale and the buyer is putting less than 10% down. If this is the case, your buyer may not be able to obtain financing. Know the home selling market How you judge an offer also can depend on market conditions. If the selling market is slow, you may feel vulnerable, especially if circumstances are pressing you to sell. Make sure any offer you accept does not keep you in escrow longer than 30 days. In a hot market where multiple offers are likely, be wary of countering more than one offer at a time (you could end up in legal trouble if two buyers both accept your counter offer). Also be wary of offers that promise more money but contain poor contract terms (long escrow, multiple contingencies, etc.). If you feel the home's offer is insufficient, make a counter offer. Rarely is a first offer the buyer's absolute highest price they are willing to pay. Negotiating is part of the home selling process. Again, your lawyer should review the details of all offers. Step 6. Home inspections All standard real estate contracts are going to give the prospective home buyer the right to inspect your property - so be prepared. Under a general inspection you are obligated to make major repairs to appliances, plumbing, septic, electrical and heating systems - or the buyer may cancel the offer. The inspection will also include your property's roof, as well as a termite inspection (in some states, house sellers must provide proof that the home is termite free). If you are concerned about how your home will fair when inspected, you may want to visit your local inspector . They can conduct an inspection for you before a potential buyer has one done. This way, you can address the problems before a buyer stumbles upon them. Once the inspections are complete, the buyer makes an application to a mortgage lender. Step 7. Buyer appraisals and other details The mortgage lender will order an appraisal of your home to make sure they are not paying more than the house is worth. They may also order a surveyor to make sure that the property boundaries are properly laid out. They will also order a title search to determine if there are any liens against your property. These tasks are all the responsibility of the buyer and/or their attorney. At this point too, the mortgage company will issue a commitment . Again, the buyer (and their attorney) must complete all conditions listed on the mortgage commitment. Prior to closing, you should notify your lender that you will be paying off your mortgage. After a closing date has been agreed to, you should contact your utility providers and advise them of your final billing date. Step 8. Closing The day of the closing , the home's buyer will do a "walk through" of the property to make sure all agreed repairs are completed and that the home is in the same condition as when the buyer made their offer. If problems arise that this point, the closing can still take place with funds held in escrow to remedy the problem. Closings usually occur 30 - 45 days after you have signed the sales contract. Depending on what state you reside in, you may close with an attorney, or with a title company. At the closing, all monies will be collected, any existing loans or liens will be paid, the deed will be transferred, and insurance will be issued insuring a free and clear title. The home seller will receive the proceeds of their home in one to two business days after the closing. Conclusion This step-by-step home selling guide is a general overview of the process when selling a home. Each state has slightly different laws and customs as they relate to the transaction process. Selling a home yourself can be time consuming, but the financial rewards can be tremendous. With help from For Sale By Owner.com , we try to make the process of home selling on your own as easy as possible. For Sale By Owner.com Your experts in selling a home on your own. -- Privacy & Disclaimer Partner With Us Career Opportunities Press Room Contact Us Buying A Home Your Credit Report Terms and Conditions Home Selling Tips Selling Your Home © 1997-2005 For Sale By Owner.com Your source for selling a home on your own. We make the home selling process a cinch. Sell real estate, sell a home, and sell your house, fsbo. Real estate selling, home selling, house selling. Site Map Home

Land Loans Land Loans

Land loan financing for new homes. Loan Programs About Carteret Mortgage Apply Online Welcome to Carteret Mortgage! Your source for consumer information Option Arm Manage your Mortgage! Construction Remodeling No Doc Real Estate Investor Refinance Land Loans Land Loans Land loans are available if you are not planning tobuild immediately. We offer several convenient programs depending on your needs.A balloon option allows 2-5 years to begin construction, a fixed rateproduct is amortized over 30 years to keep the payment low. We also offer anadjustable rate product which has no prepayment if you convert to our construction/permprogram . Programs are available as fully documented or stated incomedocumentation for individuals with difficult to document income situations. Down payment requirements vary by program and documentationpreferences but land loans will generally require a 20% down payment although one of our lenders is now offering a program with as little as 10% down. If you are not ready to build but have found the perfect lot. The new Purchase Plus Lot Loan can save you a great deal of money. Please send me an email and let me know what you aretrying to do and I will send you a good faith estimate for several programswhich will meet your needs. Lot size must conform to the general area and must beresidential in nature. Improvements are required and include a legallyaccessible street with sewer. Electricity must be available and hillside lotsare generally not acceptable. We donot make loans for working farms or for lots of more than 25 acres at thistime. I have included a page on how to calculate your qualification ratios . I have included a page on documentationrequirements . Prequalify for your Land Loans. ARMs Construction Loans First Time Homebuyer Loans Foreclosure Property Loans Home Improvement Loans Interest Only Mortgage Investor Loans Jumbo Mortgages Links Calculators No Documentation Loans No Downpayment Loans No More PMI! Refinance Center Remodeling Loans Site Map Vacation Home Loans Bob Gammache Mortgage Planner Carteret Mortgage 245 Edwards Ferry Rd Leesburg, VA 20176 Phone (703) 777-6877 Toll Free (888) 648-1714 Fax (703) 777-4768 bgammache@Verizon.net AOL Instant Messenger bgammache1 NEVER an Origination Fee ! Lower Closing Costs! Mortgage Market Guide for a weekly analysis of the mortgage market Carteret Mortgage Corporate Website Last update September 21, 2005

Investment property Search investment

Investment property - Hotproperty.co.uk Property for sale Property to rent Find an estate agent New homes My Folder Propertyfinder.com predicts that the sluggish market of late 2 ... Latest property news Investment property Search investment property in the UK with Hot property. Whether you’re searching for buy-to-let or an auctioned repossession you could find your investment property here on Hot property. Show me investment property Investment property is not easy to find these days, but with tens of thousands of properties currently online you are sure to find something to suit your budget. Hot property lists houses, flats and apartments all over the UK that can offer investment potential from full redevelopment through to buy-to-let. With an extensive property listing database Hot property allows you to benchmark an investment property potential by comparing it against completed houses, flats and apartments in the same area. As a buy-to-let investor you can also find out the going rate for your investment property by comparing its cost against current rental property in Hot property. Hot property magazine often features information on buy-to-let and investment property, as well as providing regular property news to help you keep in touch with the changing property market which could affect your investment decision. Start your investment property search now: Investment property - UK | Investment property - London | Investment property - Home Counties site map | contact us | about us | list your properties | work with us | terms & conditions Search and find a property - flats for rent and to let , homes for rent , investment property and property for the first time home buyer