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Boston.com / Real estate Buying Renting Recent sales Place an ad Luxury Living Community data Financing Commercial Moving Guides How to solve appraisal problems By Inman news MORE Having an appraisal done on your home is essential, whether or not you plan on selling. Loan calculators NEWS LINK NEWS LINK RESOURCES For Sale: Homes | Condos | Open Houses For Rent: Apartments | Houses | Roommates Vacation rentals Place an ad: On Boston.com | In the Globe Commercial: Search listings for sale or rent An appraisal is a dispassionate, third-party estimate of the value of a piece of property. It can either give you peace of mind by affirming your offering price or it can put the kibosh on a transaction entirely. As part of your loan application, you will pay for your lender (typically $200 to $400) to order an appraisal to estimate the current market value of the home you want to buy. You may also opt to hire an appraiser yourself before you make an offer to help you determine the price you bid on a house. Lenders require appraisals before they will approve and fund a loan in order to ensure that the home is worth the amount of money you are asking for. While most appraisals match up with what buyers want to borrow, some do not, which can send a lender backing out of your loan commitment. Understanding how real estate appraisals and appraisers work can help you deal with the consequences. Why do appraisals go awry? Most appraisal problems boil down to two things: incomplete information on the property or incompetence of the appraiser. Incomplete information often comes with the appraisal territory. All appraisals must conform to guidelines set by the Federal Reserve, but ultimately every appraisal is a subjective analysis of a property's current market value. To arrive at that number on your house, an appraiser will compare your house with that of three comparable homes in the area that have sold within the past six months and adjust for differences in the properties. They will photograph, measure and inspect the home (do NOT consider this your home inspection, however) to help them make their comparisons. But true market value can be difficult to ascertain in markets where prices are volatile and properties widely vary. Incompetence in the field can cause appraisal problems, too. Not all real estate appraisers are created equal in terms of licensing and education. While federal licensing requirements for everyone are being phased in, only about half the states currently require appraisers to be licensed, though most states do require appraisers to pass a written examination and have 75 hours of continuing education and 2,000 hours of direct experience. Inexperience can be a big culprit in a problem appraisal, so can downright incompetence. Boosting the appraisal A lender probably will reject your loan application if the appraisal of the property comes back lower than the asking price. But you can fight a low-ball appraisal. Here's how: Get a copy of the appraisers report. You can successfully argue to raise the estimated value if you show that the report overlooks a valuable feature of the home or failed to consider the recent sale of comparable property for a higher price. Take your case to your loan representative. The lender can override the estimate or order a new report from a different appraiser. Try to renegotiate with the seller. The seller may be willing to accept less than you originally agreed to pay in order to avoid the time and cost required to cancel the sale and put the house back on the market. Increase your down payment. The lender may be willing to overlook a low appraisal if you put more money down. Find a good appraiser Ask your lender for the names of appraisers they know, trust and have on their list of approved appraisers. You also can check with one of several national appraisal organizations for names of local appraisers who are members in good standing. Look for an appraiser who can do your appraisal in a timely manner and who has experience in the area you want to buy. This can help speed things along, and assure you of an accurate appraisal. TIP: If you do choose an appraiser from your lender's list to check out a house, and you end up making an offer, you may not have to pay again for the required loan-application appraisal. Quick Take If you have any question about the value of the house you are bidding on, add an appraisal contingency to your purchase offer. This provision stipulates that the property must appraise for at least the purchase price you're offering. If the appraisal comes in lower, you can back out of the deal or renegotiate price. feedback | help | site map | advertising | globe archives | rss © 2006 The New York Times Company Real Estate Guide - Massachusetts Home Builder - New Home Construction
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Canada Real Estate for Sale. Canadian property listing classifieds. Internet Property Listings Real Estate For Sale Throughout Canada Search for available FSBO Private Sales and MLS Realtor Listings or List your property for sale on our Classifieds Web Site. | Home | Search / Add Listings | Selling Through a Realtor | Selling Privately | Buying Tips | Selling Tips | Moving Tips | | Business Opportunity | Pricing / Special Promotion | Listing Benefits | Payment Options | Payment Procedures | Pay for Listing | | Franchise Opportunity | Teen / Child Safety Tips | FAQ's | Links | Terms of Use / Disclaimer | Contact Us | Refund Policy | Decided To Sell Your Real Estate On Your Own Through Private Sale? List your " For Sale By Owner " home or property with us and maximize its exposure to thousands of potential buyers from Canada and around the World! Selling Your Property Through A Realtor Or Real Estate Agent? 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How? 1) By offering agents and private sellers affordable listing rates, special promotions and resources such as: House Hunter and Comparison Shopper . 2) By filling our classifieds database with as many private and MLS Realtor properties from every town, city, province and state across Canada, USA and the World! 3) By effectively promoting and marketing our web site locally, nationally and internationally so Canadian properties for sale will be seen by prospective buyers. 4) And by filling our web pages with helpful tips, links and resources for anyone buying or selling their home or land. New Realestate Listings Added Daily! Our rapidly growing realestate for sale classifieds database is being updated daily. Search for sales in rural areas, small towns and cities located in all Canadian Provinces and Territories . Please visit our realestate classifieds web site often to locate newly listed properties for sale by owner, through Realtors, agents and realestate professionals in your desired area. Since July 2003 Thank you for visiting Please come again! Click on the photos below to view our Feature Properties and to see how your listing will appear when viewed by prospective buyers. Feature Property # 1 Parrsboro Nova Scotia ( Realtor ) Feature Property # 2 Sudbury Ontario ( FSBO ) Feature Property # 3 North Bay Ontario ( FSBO ) Feature Property # 4 SOLD Manitouwadge Ontario ( FSBO ) Feature Property # 5 Lac du Bonnet Manitoba ( FSBO ) View All Properties For Sale! 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Amazon.com: Feels Like Home [ENHANCED]: Music Your Store Music See All 32 Product Categories Your Account | Cart | Wish List | Help | advanced search | browse styles | classical | top sellers | new & future releases | music you should hear | blowout music | used music | free downloads Search Amazon.com Popular Music - Artist Name - Album Title - Song Title Used Music Classical Music Music Downloads Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . MUSIC INFORMATION Explore this album buying info listen to samples editorial reviews customer reviews RATE THIS ALBUM I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the DVD Store The Incredibles (Widescreen 2-Disc Collector's Edition) DVD ~ Holly Hunter Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . 136 used & new from $6.39 Club price : $8.49 Available for in-store pickup now from: $18.99 Price may vary based on availability Enter your ZIP Code Have one to sell? Feels Like Home [ENHANCED] Norah Jones List Price: $18.98 Price: $10.96 & eligible for FREE Super Saver Shipping on orders over $25. See details . You Save: $8.02 (42%) Availability: Usually ships within 24 hours 136 used & new from $6.39 Club price : $8.49 See more product details Better Together Buy this album with Come Away with Me ~ Norah Jonestoday! Total List Price : $37.96 Buy Together Today: $21.92 Customers who bought this title also bought: Genius Loves Company [Enhanced] ~ Ray Charles The Girl In The Other Room [Enhanced] ~ Diana Krall Afterglow ~ Sarah McLachlan Careless Love ~ Madeleine Peyroux New York City ~ Peter Malick, Norah Jones Songs About Jane ~ Maroon 5 Heavier Things [Enhanced] ~ John Mayer The Diary of Alicia Keys ~ Alicia Keys Explore Similar Items : 20 in Music , 20 in DVD , and 20 in Books What similar items do customers ultimately buy after viewing this item? 12% buy this item(Feels Like Home~ Norah Jones 1% buy Don't Know Why ~ Norah Jones Explore Similar Items : 9 in Music , 4 in DVD , and 2 in Books Product Details Audio CD (February 10, 2004) Original Release Date : 2000 Number of Discs: 1 Label: Blue Note Records Format: Enhanced ASIN: B00018D44U Average Customer Review: Based on 578 reviews. Write a review . Amazon.com Sales Rank: Today: #188 in Music Yesterday: #163 in Music Popular in: Anacortes, WA(#2) , Northridge, CA(#13) . See more Listen to Samples To hear a song sample, click on the "Listen ." Visit our audio help page for more information. 1. Sunrise Listen Listen 2. What Am I To You? Listen Listen 3. Those Sweet Words Listen Listen 4. Carnival Town Listen Listen 5. In The Morning Listen Listen 6. Be Here To Love Me Listen Listen 7. Creepin' In Listen Listen 8. Toes Listen Listen 9. Humble Me Listen Listen 10. Above Ground Listen Listen 11. The Long Way Home Listen Listen 12. The Prettiest Thing Listen Listen 13. Don't Miss You At All Listen Listen Editorial Reviews Amazon.com Norah Jones blew everybody away with her jazzy, country-tinged, Grammy-winning debut CD, Come Away with Me . On this recording, Jones doesn't mess with her trademark formula. Under Arif Mardin's cozy coproduction, Jones is supported by her writing partners, her Handsome Band, and some special guests (country legend Dolly Parton , Levon Helm and Garth Hudson of the Band , and jazz drummer Brian Blade , to name a few). Jones's Texas-twanged vocals and her sparse acoustic and electric Wurlitzer piano lines enliven the CD's 13 tracks, from the light and lively single "Sunrise" to Tom Waits 's "The Long Way Home" and the bouncy duet with Parton, "Creepin' In." Jones's soul-baring piano/vocal rendition of Duke Ellington 's "Melancholia," retitled "Don't Miss You at All," proves she's a true Blue Note artist with unlimited potential. --Eugene Holley Jr. Album Description 'Feels Like Home' features 13 tracks & a host of special guests including Dolly Parton, Levon Helm, Garth Hudson of the Band, Jesse Harris, Robert Burger and Tony Scherr. Blue Note. 2004. Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 151 of 167 people found the following review helpful: A different side of Norah Jones , February 22, 2004 Reviewer: Abby (Pittsburg, Kansas United States)- See all my reviews The latest album from Norah Jones, "Feels Like Home" shows us a different side of a singer who clearly has some diverse tastes. Where her debut "Come Away With Me" was reminiscent of Jazz singers like Billie Holiday and Rosemary Clooney, "Feels Like Home" has more of a Gillian Welch sound to it, a feeling that's only enhanced by Jones' duet with Dolly Parton on the bouncy track "Creepin' In". But that doesn't make it any less spectacular. Jones' voice is still beautiful, her piano playing is lovely, and her backup musicians, The Handsome Band, are amazing. Fans of "Come Away" won't be disappointed, despite the change of style. Something else that you see on "Home" that you didn't get before was more of Jones writing her own songs. Most of the tracks here are co-written, but Jones did write one track, "What Am I to you", herself. I will say that Jones is no lyrical genius, but the lyrics take a backseat to the still hauntingly beautiful instrumental work, especially on "Carnival Town", which has a nice string arrangement by the album's co-producer Arif Mardin. So, to sum up: "Feels Like Home" is quite different from "Come Away with Me", but it's no less great. Jones maintains the casual, relaxed quality of her music, and leaves fans more than satisfied. I can't wait to see what she comes out with next. Judging from this album, she can continue experimenting with whatever style she wants, and she'll still produce a wonderful work of art. Was this review helpful to you? ( Report this ) 95 of 102 people found the following review helpful: Delicious, seductive musical rapture... , February 10, 2004 Reviewer: Christian Hunter (Santa Barbara, Ca United States)- See all my reviews I was in the bathroom of this quaint little fish market with a converted restaurant when I first heard Norah's voice. I remember standing around in that humid little red bathroom through almost 3 tracks (not exactly good protocol on a date) totally enraptured by the the "not quite raspy, not quite silk" quality of her voice, the seductive cadence in her rythm, and delicious instramental accompaniments. I was an immediate fan and bought her CD the next day. Norah singlehandedly branded my entire summer of 2002 as "romantic" with her first major work. So with nervous anticipation I had my first listen of this CD tonight, and without further ado, I'm so happy to report that "Feels Like Home" (in my opinion) is as good or better than "Come Away With Me". Thank you Norah! From what I know of Norah Jones, she got her musical career really moving when she moved from Texas to New York City. I'm guessing here, but if I had to ascribe a dominant geographic influence to each album, I'd say Come Away "leans New York" while Feels Like Home seems rooted more in Texas. Perhaps that's why this new album is named what it is...? The only song on this CD I didn't immediately love is "Creepin In". It moves fast, is definitively country (I'm fairly certain Dolly Parton is singing along, but I don't have the album cover), yet it's very catchy and fun (as testimony, I found myself humming it tonight in the shower). Below is a list of songs that (if you love her past work) you'll immediately adore: Sunrise: I got an advance listen to this track a couple of months ago and fell in love with it at first listen. I think it's one of the loveliest songs on the album. What Am I To You: Beautiful BB King style R&B track. Will certainly be a huge hit. When I first listened to this CD I couldn't get past this particular song. I listened to it a half-dozen times straight. Carnival Town: Mostly guitar and piano (which is when I think she's at her best), the intricacy in her luscious voice is amplified and really stands out for appreciation. In The Morning: If I decided to do what I threatened so often as a kid to do, and "ranaway", this would be the perfect song to play as I screamed out of town in some hastily acquired convertible...Rambling Anyone? Sorry...This track is intense (not loud), with a wonderful buildup and easy flowing rhythm punctuated by passionate lyrics that then break into cool but subdued R&B. Toes: Norah at her best! Dreamy and romantic, the rhythm moves unpredictably but "just right" between light and heavy. Yikes, if that's not ambigious (might make more sense to you when you hear it). Humble Me: Hauntingly lonely guitar entres this song about struggle, desperation, and forgiveness. Ooh this one is good! The Prettiest Thing: This is a slam dunk hit. A jazzy, slow rhythm that picks up in tempo and seduces you into focusing on what is probably her most romantic moment in the CD (occurs around 2 minutes 45 seconds into this track). Forgive me if this is overly dramatic (it's 2am at the writing of this review), but this song literally gave me the chills. And on that note, I'll sign off. Enjoy this elegant work of art, you won't be dissapointed. Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 3 people found the following review helpful: A Wonderful Album , November 18, 2005 Reviewer: Jared O. "horror fanatic" (Florida USA)- See all my reviews Soul/bluegrazz/jazz is how you descirbe Norah Jones. With great songs thoughout the album, its no wonder why she went platinum with this one. She shows of her vocal applitly hitting very high notes and low ones. The band is great on this album. They have such a variety in there instrumentation and note progression. Beautiful. I loved this album and so will you. Jared (buy) Was this review helpful to you? ( Report this ) 1 of 2 people found the following review helpful: She is one the best blues singers out there , October 26, 2005 Reviewer: Quiet Tiger "Time is short. Live well." (Iraq via Denver)- See all my reviews In the modern world of hustle and bustle people don't take time for music like this and for me it's been a revelation. I'm just getting into Blues. I have listened to Jazz for many many.... many years but haven't really taken time with the Blues. She has taken some Mississippi mud and formed something I didn't expect to find. This music is timeless because she brings you back to the where Blues came from but in a clean modern setting. She is essential music in my opinion and highly undervalued as a musician. I own both of her musical ventures to date and both of these are very powerful in their simplicity, straight forwardness and honesty. The sheer majesty that people miss in her music is that she isn't pretentious about who she is but she knows her value. This is good stuff. Was this review helpful to you? ( Report this ) 14 of 23 people found the following review helpful: sick and tired of protected CDs , October 16, 2005 Reviewer: S. Hogan (bratislava, slovakia)- See all my reviews I don't understand why this CD is rated 'Enhanced' rather than 'Content Protected'. I cannot play it in my computer, and I cannot transfer songs from it to my phone. I'm sorry I paid good money for this disc, and I'm doing my best not to buy 'protected' CDs from ANY artist. Can't Amazon clearly label such CDs, so I can buy others instead? Was this review helpful to you? ( Report this ) 11 of 14 people found the following review helpful: Another beauty from Norah Jones , August 22, 2005 Reviewer: Dr. Emil Shuffhausen (Central Gulf Coast)- See all my reviews There are no signs of "sophomore slump" on this, Norah Jones' second CD. As on her debut, her smoky blend of jazz, country, and classic piano pop continues to intoxicate and delight. While she doesn't stray far away from her foundations, she does show signs of growth and moderate experimentation. This CD reminds me somewhat of Willie Nelson's best work (the way he can blend Texas sawdusty outlaw country with sophisticated jazzy Reinhardtisms). Norah has an earthy groundedness that nicely counterpoints her light, breathy voice. The album opener, "Sunrise," is perfect...not only as a lovely individual track, but as the album opener. It sets a mood that is both reflective and sprightly...a little playful, but also pensive. "What Am I to You?" is a deeply felt, bluesy song, as is "In the Morning." These two cuts sandwich the picturesque "Carnival Town." Norah hits the listener right in the gut with the velvet brick, "Humble Me," but she will definitely make you smile with her Dolly Parton duet, "Creepin' In." On "Don't Miss You at All," her heart, soul, and voice let you know that her words are not really true. There's something special about Texas singers: Lyle Lovett, Willie Nelson, Buddy Holly, Janis Joplin, Roy Orbison...and Norah Jones. They have a way of taking the music from deep in their hearts, and putting it deep into yours. Was this review helpful to you? ( Report this ) See all 578 customer reviews... Customers who bought titles by Norah Jones also bought titles by these artists: Diana Krall Peter Malick Adam Levy Touch Acoustra Ray Charles Explore similar artists So You'd Like To... Only Beautiful and Smart People :by mol norwood , Reading, Always Reading Study for the SAT but not too hard :by Daniel Wilson , College bound thanks to studying not too hard find the BEST FEMALE VOCALS of 2005 :by The Music Lover , Musician/Connoisseur Listmania! All of Ewan McGregor"s Films Pt. 2 :A list by i_don't_want_a_pen_name , ewan lover Rainy Day Music :A list by Nikol Le Vine , Lover of precipitation Now this is what i call music!! :A list by Robert Reynoso, Jr. , Music fanatic Browse for music in: Styles > Pop > Vocal Pop > Contemporary Blue Note Records Styles > Broadway & Vocalists > Cabaret Styles > Jazz > General Styles > Jazz > Vocal Jazz > Vocal Jazz General Styles > Pop > General Styles > Rock > General Feedback I have listened to this recording, and I want to review it. Tell a friend about this album . Write a So You'd Like to... guide . Check Purchase Circles . Is there a specific product you'd like us to sell? Tell us about it. 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Real estate brokers and sales agents Skip Navigation Links Latest Numbers U.S. Department of Labor Bureau of Labor Statistics Occupational Outlook Handbook www.bls.gov Search the Handbook BLS Home | OOH Home | Frequently Asked Questions | A-Z Index | Contact Us Printer-friendly version ( HTML ) -- PDF ) -- Real Estate Brokers and Sales Agents Nature of the Work Working Conditions Training, Other Qualifications, and Advancement Employment Job Outlook Earnings Related Occupations Sources of Additional Information Significant Points Real estate brokers and sales agents often work evenings and weekends and usually are on call to suit the needs of clients. A license is required in every State and the District of Columbia. Although gaining a job may be relatively easy, beginning workers may face competition fromwell-established, more experienced agents and brokers in obtaining listings and in closing an adequate number of sales. Employment is sensitive to swings in the economy, especially interest rates; during periodsof declining economic activity and increasing interest rates, the volume of sales and the resultingdemand for sales workers fall. Nature of the Work [ About this section ] Back to Top One of the most complex and significant financial events in peoples lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers. Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agents sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business. Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amount of time obtaining listings—agreements by owners to place properties for sale with the firm. When listing a property for sale, agents and brokers compare the listed property with similar properties that recently sold, in order to determine a competitive market price for the property. Once the property is sold, both the agent who sold it and the agent who obtained the listing receive a portion of the commission. Thus, agents who sell a property that they themselves have listed can increase their commission. Most real estate brokers and sales agents sell residential property. A small number—usually employed in large or specialized firms—sell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. Selling or leasing business property requires an understanding of leasing practices, business trends, and the location of the property. Agents who sell or lease industrial properties must know about the regions transportation, utilities, and labor supply. Whatever the type of property, the agent or broker must know how to meet the clients particular requirements. Before showing residential properties to potential buyers, agents meet with them to get a feeling for the type of home the buyers would like. In this prequalifying phase, the agent determines how much the buyers can afford to spend. In addition, the agent and the buyer usually sign a loyalty contract which states that the agent will be the only one to show houses to buyers. An agent or broker then generates lists of properties for sale, their location and description, and available sources of financing. In some cases, agents and brokers use computers to give buyers a virtual tour of properties in which they are interested. With a computer, buyers can view interior and exterior images or floor plans without leaving the real estate office. Agents may meet several times with prospective buyers to discuss and visit available properties. Agents identify and emphasize the most pertinent selling points. To a young family looking for a house, they may emphasize the convenient floor plan, the areas low crime rate, and the proximity to schools and shopping centers. To a potential investor, they may point out the tax advantages of owning a rental property and the ease of finding a renter. If bargaining over price becomes necessary, agents must follow their clients instructions carefully and may have to present counteroffers in order to get the best possible price. Once both parties have signed the contract, the real estate broker or agent must make sure that all special terms of the contract are met before the closing date. For example, the agent must make sure that the mandated and agreed-upon inspections, including that of the home and termite and radon inspections, take place. Also, if the seller agrees to any repairs, the broker or agent must see that they are made. Increasingly, brokers and agents are handling environmental problems as well, by making sure that the properties they sell meet environmental regulations. For example, they may be responsible for dealing with lead paint on the walls. While loan officers, attorneys, or other persons handle many details, the agent must ensure that they are carried out. Working Conditions [ About this section ] Back to Top Advances in telecommunications and the ability to retrieve data about properties over the Internet allow many real estate brokers and sales agents to work out of their homes instead of real estate offices. Even with this convenience, much of the time of these workers is spent away from their desks—showing properties to customers, analyzing properties for sale, meeting with prospective clients, or researching the state of the market. Agents and brokers often work more than a standard 40-hour week. They usually work evenings and weekends and are always on call to suit the needs of clients. Although the hours are long and frequently irregular, most agents and brokers have the freedom to determine their own schedule. Consequently, they can arrange their work so that they can have time off when they want it. Business usually is slower during the winter season. Training, Other Qualifications, and Advancement [ About this section ] Back to Top In every State and the District of Columbia, real estate brokers and sales agents must be licensed. Prospective agents must be high school graduates, be at least 18 years old, and pass a written test. The examination—more comprehensive for brokers than for agents—includes questions on basic real estate transactions and laws affecting the sale of property. Most States require candidates for the general sales license to complete between 30 and 90 hours of classroom instruction. Those seeking a brokers license need between 60 and 90 hours of formal training and a specific amount of experience selling real estate, usually 1 to 3 years. Some States waive the experience requirements for the brokers license for applicants who have a bachelors degree in real estate. State licenses typically must be renewed every 1 or 2 years; usually, no examination needs to be taken. However, many States require continuing education for license renewals. Prospective agents and brokers should contact the real estate licensing commission of the State in which they wish to work in order to verify the exact licensing requirements. As real estate transactions have become more legally complex, many firms have turned to college graduates to fill positions. A large number of agents and brokers have some college training. College courses in real estate, finance, business administration, statistics, economics, law, and English are helpful. For those who intend to start their own company, business courses such as marketing and accounting are as significant as courses in real estate or finance. Personality traits are equally as important as ones academic background. Brokers look for applicants who possess a pleasant personality, are honest, and present a neat appearance. Maturity, good judgment, trustworthiness, and enthusiasm for the job are required in order to encourage prospective customers in this highly competitive field. Agents should be well organized, be detail oriented, and have a good memory for names, faces, and business particulars. Those interested in jobs as real estate agents often begin in their own communities. Their knowledge of local neighborhoods is a clear advantage. Under the direction of an experienced agent, beginners learn the practical aspects of the job, including the use of computers to locate or list available properties and identify sources of financing. Many firms offer formal training programs for both beginners and experienced agents. Larger firms usually offer more extensive programs than smaller firms. More than a thousand universities, colleges, and junior colleges offer courses in real estate. At some, a student can earn an associates or bachelors degree with a major in real estate; several offer advanced degrees. Many local real estate associations that are members of the National Association of Realtors sponsor courses covering the fundamentals and legal aspects of the field. Advanced courses in mortgage financing, property development and management, and other subjects also are available. Advancement opportunities for agents may take the form of higher rates of commission. As agents gain knowledge and expertise, they become more efficient in closing a greater number of transactions and increase their earnings. In many large firms, experienced agents can advance to sales manager or general manager. Persons who have received their brokers license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. (See the Handbook statements on property, real estate, and community association managers ; and appraisers and assessors of real estate . ) Experienced agents and brokers with a thorough knowledge of business conditions and property values in their localities may enter mortgage financing or real estate investment counseling. Employment [ About this section ] Back to Top In 2004, real estate brokers and sales agents held about 460,000 jobs; real estate sales agents held approximately 24 percent of these jobs. Many worked part time, combining their real estate activities with other careers. About 6 out of 10 real estate agents and brokers were self-employed. Real estate is sold in all areas, but employment is concentrated in large urban areas and in rapidly growing communities. Most real estate firms are relatively small; indeed, some are one-person businesses. By contrast, some large real estate firms have several hundred agents operating out of numerous branch offices. Many brokers have franchise agreements with national or regional real estate organizations. Under this type of arrangement, the broker pays a fee in exchange for the privilege of using the more widely known name of the parent organization. Although franchised brokers often receive help in training sales staff and running their offices, they bear the ultimate responsibility for the success or failure of their firms. Real estate brokers and sales agents are older, on average, than most other workers. Historically, many homemakers and retired persons were attracted to real estate sales by the flexible and part-time work schedules characteristic of the field. These individuals could enter, leave, and later return to the occupation, depending on the strength of the real estate market, their family responsibilities, or other personal circumstances. Recently, however, the attractiveness of part-time real estate work has declined, as increasingly complex legal and technological requirements are raising startup costs associated with becoming an agent. Job Outlook [ About this section ] Back to Top Employment of real estate brokers and sales agents is expected to grow about as fast as average for all occupations through the year 2014, because of the increasing housing needs of a growing population, as well as the perception that real estate is a good investment. Relatively low interest rates should continue to stimulate sales of real estate, resulting in the need for more agents and brokers. In addition, a large number of job openings will arise each year from the need to replace workers who transfer to other occupations or leave the labor force. However, job growth will be somewhat limited by the increasing use of technology, which is improving the productivity of agents and brokers. For example, prospective customers often can perform their own searches for properties that meet their criteria by accessing real estate information on the Internet. The increasing use of technology is likely to be more detrimental to part-time or temporary real estate agents than to full-time agents, because part-time agents generally are not able to compete with full-time agents who have invested in new technology. Changing legal requirements, such as disclosure laws, also may dissuade some who are not serious about practicing full time from continuing to work part time. This occupation is relatively easy to enter and is attractive because of its flexible working conditions; the high interest in, and familiarity with, local real estate markets that entrants often have; and the potential for high earnings. Therefore, although gaining a job as a real estate agent or broker may be relatively easy, beginning agents and brokers may face competition from their well-established, more experienced counterparts in obtaining listings and in closing an adequate number of sales. Well-trained, ambitious people who enjoy selling—particularly those with extensive social and business connections in their communities—should have the best chance for success. Employment of real estate brokers and sales agents often is sensitive to swings in the economy, especially interest rates. During periods of declining economic activity and increasing interest rates, the volume of sales and the resulting demand for sales workers falls. As a result, the earnings of agents and brokers decline, and many work fewer hours or leave the occupation altogether. Earnings [ About this section ] Back to Top The median annual earnings of salaried real estate sales agents, including commissions, were $35,670 in May 2004.The middle 50 percent earned between $23,500 and $58,110 a year.The lowest 10 percent earned less than $17,600, and the highest 10 percent earned more than $92,770.Median hourly earnings in the industries employing the largest number of real estate sales agents in May 2004 were as follows: Residential building construction $54,770 Offices of real estate agents and brokers 37,970 Activities related to real estate 32,460 Lessors of real estate 25,840 Median annual earnings of salaried real estate brokers, including commission, were $58,720in May 2004. The middle 50 percent earned between $33,480 and $99,820 a year.Median annual earning of real estate brokers were $61,550 in offices of real estateagents and brokers and $44,920 in activities related to real estate. Commissions on sales are the main source of earnings of real estate agents and brokers.The rate of commission varies according to whatever the agent and broker agree on, the typeof property, and its value. The percentage paid on the sale of farm and commercialproperties or unimproved land is typically higher than the percentage paid for selling a home. Commissions may be divided among several agents and brokers. When the property issold, the broker or agent who obtained the listing usually shares the commission with thebroker or agent who made the sale and with the firm that employs each of them. Although anagents share varies greatly from one firm to another, often it is about half of the totalamount received by the firm. Agents who both list and sell a property maximize their commission. Income usually increases as an agent gains experience, but individual motivation,economic conditions, and the type and location of the property also affect earnings.Sales workers who are active in community organizations and in local real estate associationscan broaden their contacts and increase their earnings. A beginners earnings often areirregular, because a few weeks or even months may go by without a sale. Although some brokersallow an agent to draw against future earnings from a special account, the practice is notcommon with new employees. The beginner, therefore, should have enough money to live forabout 6 months or until commissions increase. Related Occupations [ About this section ] Back to Top Selling expensive items such as homes requires maturity, tact, and a sense of responsibility.Other sales workers who find these character traits important in their workinclude insurance sales agents ; retail salespersons ; sales representatives, wholesale and manufacturing ; and securities, commodities, and financial services sales agents .Although not involving sales, the work of property, real estate, and community association managers ,as well as appraisers and assessors of real estate, requires an understanding of real estate. Sources of Additional Information [ About this section ] Back to Top Disclaimer: Links to non-BLS Internet sites are provided for your convenience and do not constitute an endorsement. Information on licensing requirements for real estate brokers and sales agents is available from most local real estate organizations or from the State real estate commission or board. More information about opportunities in real estate is available on the Internet site of the following organization: National Association of Realtors. Internet: http://www.realtor.org OOH ONET Codes [ About this section ] Back to Top 41-9021.00, 41-9022.00 Suggested citation: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook , 2006-07 Edition , Real Estate Brokers and Sales Agents , on the Internet at http://www.bls.gov/oco/ ocos120.htm (visited December 29, 2005 ). 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