Selling Home

Smartmoney.com: Real Estate: Sell Your Home — Fast Thursday December 29, 2005 3:32 PM ET U.S. Markets close in: :28 Search (choose an option below) Quote Charting Earnings Ratings Competition Financials Profile Key Statistics Insiders Site Search News (Enter Symbol) advanced search SmartMoney Select My Portfolio Tools Maps Stocks Advanced Trading Funds ETFs Personal Finance Autos Career Journal College Planning Debt Management Health Care Insurance Life LTC Insurance Real Estate Retirement Tax Guide Economy & Bonds Small Business SmartMoney TV SmartMoney Magazine SmartMoney University Business Travel Technology SmartMoney Mobile Holiday Survival Guide Select Homepage Stock Screener Market Map 1000 Fund Screener Stock Compare Fund Map 1000 Fund Compare XStream Quotes More... Portfolio Tracker Watchlist Calendar Intraday Alerts News Alerts Sector Tracker ETF Center Map of the Market XStream Quotes Stock Screener Stock Compare Price Check Calculator More... 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The Market Now ForexTV Futures Life Stages CEO Interview Sturm Screen Mossberg Report Subscribe Give a gift Customer Service Media Kit Editorial Calendar Custom Publishing Investing 101 Taking Action Strategic Investing Quizzes More... Please enable javascript to properly view the menu. Site Map DJIA 10789.06 -7.20 Nasdaq 2219.66 -9.28 S&P 500 1255.08 -3.09 Rus 2000 679.31 -0.77 10 Yr Bd 4.36 -0.01 DJTA 4248.75 24.82 Wil 5000 12585.54 -25.30 S&P 400 743.20 -0.93 Nas 100 1655.52 -11.58 Sign up now for FREE SmartMoney.com Newsletters Enter your email address below Personal Finance : Real Estate : Selling : Sell Your Home — Fast Real Estate Sell Your Home — Fast By Stacey L. Bradford Click here for more stories by Stacey L. Bradford . In This Section A Seller's Checklist Choosing a Broker Wisely Selling Without a Broker Taxes When You Sell Your Home More... Related Content Ask SmartMoney Who Gets the Home? To Rent or to Buy? Advertisement 4.25% APY with hsbcdirect.com Online Savings. Earn 8X the national savings average and make money into big money. No minimums. No monthly fees. Member FDIC. Email This Story Print This Story Save This Story Send Us Your Comments Add this column to your News Alerts (New!) IF YOU'RE LOOKING TO sell your home in a matter of days rather than months, you might want to take some tips from 32-year-old Mona Ross Berman. To get her Washington, D.C., townhouse ready for sale in early 2004, the interior designer went through every room, sweating the details. She rearranged furniture, added sophisticated coffee-table books and strategically placed vases and throw pillows to create a cozy environment. She then organized every closet to showcase her ample storage space. Finally, she removed all personal items, including her wedding photos, so potential buyers wouldn't associate the house with someone else. "I think that if you can get a home to show well, it can get you [better results] than it really should," Berman says. Her strategy worked. Within four days of placing her property on the market, she had five offers in hand. Long gone are the days when you can simply throw some cookie dough into the oven and get an offer for your house. Thanks to the Internet, home buyers are more sophisticated and demanding than ever before. At a bare minimum, would-be sellers need to dispose of clutter and make any necessary repairs. But to really make a property stand out from the crowd and sell quickly, sellers might need to do the following. 1. Hire an Interior Designer A well-decorated home will sell faster and for more money than one that looks frumpy. That's why more and more sellers are hiring interior designers to do everything from rearrange furniture and paint walls a neutral color to rent artwork. This service, known as "staging," can cost anywhere from a few hundred dollars for a small job to several thousand dollars for high-end properties, says Patricia Dugan, a realtor with The Corcoran Group. Experts across the country agree that the investment is worthwhile for most properties. According to 2002 data from Coldwell Banker, staged homes in the San Francisco Bay area spent just 25.3 days on the market and sold at the asking price, while "non-staged" homes languished on the market for 48.2 days and sold for 2% below the asking price. This information is based on more than 3,000 homes sold between Jan. 1, 2002 and Oct. 31, 2002. 2. Hire an Organizer A lovely décor will get you only so far. To really get the buyers chomping at the bit, you need to highlight your home's storage space as well. That means everything should be clean and organized — closets, bathroom vanities, the garage and basement. It might sound trivial, but your home's sale really could rest on whether your linen closets can comfortably store your towels. If you identify more with Oscar Madison of "The Odd Couple" than with Felix Ungar, it might make sense to hire a professional organizer for $75 to $100 an hour. This is especially helpful for those who've lived in their homes for many years and don't know how to dig themselves out of the mess. Some organizers will even help run a yard sale that could end up paying for their services. If you're not sure how to find this type of service, ask your realtor. Most have a list of pros at their fingertips. 3. Hire a Photographer Up to 74% of home buyers start their search online, according to the National Association of Realtors. Indeed, the Web has become such an important marketing tool that all the realtors we spoke with encourage their clients to hire a professional photographer, which can cost as little as $100, for their online snapshots. Think of it this way: If someone doesn't like how your home looks on the Web, he or she won't bother to make an appointment to see the property in person. Is that a risk you're willing to take? While putting photographs online isn't exactly new, there are some emerging trends. Six years ago it was OK to have one outside shot of the house, says Tara Rogers, director of marketing for Real Living, a Columbus, Ohio-based real-estate firm. Now, some potential buyers want to see up to a 10-picture slideshow detailing multiple rooms before they commit to a walk-through, she says. Dare to post small, grainy pictures, and risk little foot traffic in your home. 4. Try Marketing Gimmicks Despite impressive national home-sale figures, some local markets are starting to soften. For example, homes in the western suburbs of Boston are starting to languish on the market for up to 90 days after previously selling in just 15 to 30, says Nelson Zide, co-owner of ERA Key Realty Services, a Framingham, Mass.-based real-estate brokerage. Zide recently started implementing marketing gimmicks to increase the number of potential buyers to walk through his clients' homes. "I haven't done this in 12 or 13 years," he says. What strategies does he use? Rather than slash the asking price, he might encourage condo owners, for example, to pay the maintenance fees for a full year, or ask home owners to provide buyers with a cash rebate that's marketed as a decorating allowance. Nine times out of 10, such gimmicks cost less than it would to drop the asking price enough to attract a buyer with a smaller budget, says Zide. It's just one more way to get a potential buyer excited about your home. 5. Hold Open Houses The benefits of an open house are debatable. Industry experts agree that they tend to benefit realtors more than home owners. (After all, it's a great way for realtors to get new clients.) But that doesn't mean that they can't work. The key is to hold them at various times of the day and week so that folks with busy schedules can squeeze in a viewing. Real Living's Rogers says her company's agents make sure to schedule open houses on Saturdays, as well as in the evenings so people can stop by after work. Another technique more people are implementing is to hold open houses at the time of day when their house shows the best. If you have a beautiful garden, show it off during the morning before the flowers start to wilt. If you have a stunning view of the sunset, make sure people get to see the late-afternoon light. In other words, if there's one thing that you love most about your home, be sure to share it with potential buyers. For more on selling your home, read our recent article . 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Home Mortgage

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Home Equity Conversion Mortgage

Home Equity Conversion Mortgage Program - HUD Housing About Housing Contact us Keywords Single Family Hospitals Multifamily OAHP Reading room Online forums Work online HUD news Homes Communities Working with HUD Resources Tools Webcasts Mailing lists Contact us Help Home Equity Conversion Mortgage Program Information by State Print version Email this to a friend Summary: The Home Equity Conversion Mortgage program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term, or in a lump sum, or through a line of credit. Purpose: The Home Equity Conversion Mortgage Program (HECM) can enable an older home owning family to stay in their home while using some of its built up equity. The program allows such a household to get an insured reverse mortgage-a mortgage that converts equity into income. Because older persons can be vulnerable to fraudulent practices, the program requires that persons receive free reverse mortgage housing counseling from a HUD-approved reverse mortgage counseling agency before applying for a reverse mortgage. FHA insures HECM loans to protect lenders against loss if amounts withdrawn exceed equity when the property is sold. Type of Assistance: HECM can be used by homeowners who are 62 years of age and older. The total income that an owner can receive through HECM is the maximum claim amount, which is calculated with a formula including the age of the owner(s), the interest rate, and the value of the home. For example, on the basis of a loan at recent interest rates, a 65-year-old could borrow up to 26 percent of the home's value, a 75-year-old could borrow up to 39 percent, and an 85-year-old could borrow up to 56 percent. Borrowers may choose one of five payment options: (1) tenure, which gives the borrower a monthly payment from the lender for as long as the borrower lives and continues to occupy the home as a principal residence; (2) term, which gives the borrower monthly payments for a fixed period selected by the borrower; (3) line of credit, which allows the borrower to make withdrawals up to a maximum amount, at times and in amounts of the borrower's choosing; (4) modified tenure, which combines the tenure option with a line of credit; and (5) modified term, which combines the term option with a line of credit. The borrower remains the owner of the home and may sell it and move at any time, keeping the sales proceeds that exceed the mortgage balance. A borrower cannot be forced to sell the home to pay off the mortgage, even if the mortgage balance grows to exceed the value of the property. A HECM loan need not be repaid until the borrower moves, sells, or dies. When the loan must be paid, if it exceeds the value of the property, the borrower (or the heirs) will owe no more than the value of the property. FHA insurance will cover any balance due the lender. Two mortgage insurance premiums are collected to pay for HECM: an up front premium (2 percent of the home's value), which can be financed by the lender, and a monthly premium (which equals 0.5 percent per year of the mortgage balance). The lender's loan origination charge can vary, but only up to $1,800 in such charges may be financed by HECM. Borrowers may be charged appraisal and inspection fees set by HUD; these charges can also be financed. As part of the HECM program, HUD has provided for free reverse mortgage counseling (with training for the counselors) for persons considering using such an instrument, and a toll-free information line (1-888-466-3487). Eligible Grantees: Any lender authorized to make HUD-insured loans- such as banks, mortgage companies, and savings and loan associations-can participate in the HECM program. Eligible Customers: To be eligible for HECM, a homeowner must (1) be 62 years of age or older, (2) have a very low outstanding mortgage balance or own their home free and clear, and (3) have received HUD-approved reverse mortgage counseling to learn about the program. An eligible property must be a principal residence, but it can be a single-family residence, a one- to four-unit building with one unit occupied by the borrower, a manufactured home (mobile home), a unit in an FHA-approved condominium, or a unit in a planned unit development. The property must meet FHA standards, but the owner can pay for repairs using the reverse mortgage. Application: Homeowners who meet the eligibility criteria above can apply through an FHA-approved lending institution, which in turn submits the application to the local HUD Field Office for approval. Borrowers can locate FHA-approved lenders through HUD's searchable listing . Because there has been a problem of some senior citizens being charged thousands of dollars for information on HECM that is available free, HUD recently directed HECM lenders to stop doing business with companies that charge such fees. Funding Status: In FY 1996, the HECM program insured 3,604 homes with a value of $369 million. Through September 30, 1996, approximately 16,000 HECM loans had been made. Technical Guidance: TECHNICAL GUIDANCE: This program is authorized by the Housing and Community Development Act of 1987, Section 417, Public Law 100-242 (12 U.S.C. 1715z-20). Program regulations are in 24 CFR 200 and 206. This program is administered by the Office of Single-Family Housing in HUD's Office of Housing-Federal Housing Administration. For More Information: Homeowners who want to learn more about this program, or who were charged for HUD approved reverse mortgage counseling should call HUD's toll-free housing counseling information line, 1-800 569-4287 or see the searchable list of HUD approved reverse mortgage housing counseling agencies or call 1-888-466-3487. Additional information is available from two nonprofit organizations: the American Association of Retired Persons' (AARP) Home Equity Conversion Information Center (202-434-6044) and the National Center for Home Equity Conversion (NCHEC) at 7373 147th St., Room 115, Apple Valley MN 55124. Content updated April 26, 2002 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

House rent in Tuscany,

Private villas and holiday rentals Italy. Rental property, villas in Italy for rent. Property rating: Best buy Highly recommended Recommended New listing Unrated Property features: Instant booking Wheelchair friendly Suitable for elderly Suitable for children Suitable for babies Pets allowed Private pool Communal pool Any pool Balcony Garden Cots available Air conditioning Central heating Smoking allowed Location features: Beach Golf Fishing Watersports Skiing Themepark Shopping Good views Available discounts: Last minute deals Early bird deals Long stay deals Sort results by: Default Customer rating Villarenters index Lowest price Highest price Quick Availability Search For Villas & Apartments View rental properties in: All Countries , Italy . Click here for a destination guide to Italy . To narrow down your search for villas to rent in Italy, you can use the following sub regions Abruzzo Basilicata Campania & Apulia Emila Romagna Lazio Marches North West Italy Rome Sardinia Sicily Southern Italy Tuscany Tuscany Coast Umbria Venice & NE Italy Here are the available villas for rental in Italy. House rent in Tuscany, Italy Riverside villa with garden (Ref: 3694) self-catering house in Bagni di Lucca, Italy Price Range: £250 to £400 (GBP) Sleeps: 5 No of Reviews: (6) Beautiful house in the historical village of Bagni di Lucca, with a very large private garden and private access to the river. ...more Pets allowed. Less than 15 mins to: horse riding, mountain biking. Click for details... Long Stay Discounts, Early Bird Discounts Available Location for rental: All Countries / Italy / Tuscany / Lucca Villa rental in Sardinia, Italy Sardinia, Costa Smeralda, La Maddalena (Ref: 1760) self-catering villa in La Maddalena, Italy Price Range: £280 to £1900 (GBP) Sleeps: 6 No of Reviews: (9) Villa in magnificent position, on the sea-side, private beach and buoy. 3 bedrooms, 2 bathrooms, kitchen, dining-room and patio in front of the sea. ...more Pets allowed. On site: beach, sailing. Click for details... Last Minute Discounts, Long Stay Discounts, Early Bird Discounts Available Location for rental: All Countries / Italy / Sardinia Rental cottage in Umbria, Italy Casa Merlo (Ref: 7472) self-catering cottage in Nr. Piegaro, Italy Price Range: £350 to £590 (GBP) Sleeps: 5 No of Reviews: (5) Traditional Umbrian Cottage in unique hamlet setting offering spacious accommodation in tranquil setting. ...more Communal pool. On site: mountain biking. Click for details... Last Minute Discounts, Long Stay Discounts Available Location for rental: All Countries / Italy / Umbria / Lake Trasimeno Holiday apartment in Sicily, Italy Self-Catering-Accommodation PAPERA (Ref: 6756) self-catering apartment in Sciacca, Italy Price Range: £217 to £370 (GBP) Sleeps: 2 No of Reviews: (3) Our estate is situated in a rural and very peaceful idyll of about 30.000 square meters in the middle of a wood of olive-trees. ...more Pets allowed. On site: mountain biking. Less than 15 mins to: beach, sailing, fishing. Click for details... Long Stay Discounts Available Location for rental: All Countries / Italy / Sicily / Agrigento Apartment holiday rentals in Venice & NE Italy, Italy 5, Le Begonville (Ref: 10918) self-catering apartment in Gardone Riviera, Italy Price Range: £325 to £745 (GBP) Sleeps: 6 No of Reviews: (4) Gorgeous residential complex set in the hills above Gardone Riviera, with breathtaking views over Lake Garda and large shared swimming pool. ...more Communal pool. Less than 15 mins to: beach, golf, horse riding, sailing, climbing, mountain biking, fishing. Click for details... No Discounts Available Location for rental: All Countries / Italy / Venice & NE Italy / Lake Garda Rental apartment in Sicily, Italy Self-Catering-Accommodation Gufo (Ref: 6862) self-catering apartment in Sciacca, Italy Price Range: £290 to £430 (GBP) Sleeps: 4 No of Reviews: (2) Our estate is situated in a rural and very peaceful idyll of about 30.000 square meters in the middle of a wood of olive-trees. ...more Pets allowed. On site: mountain biking. Less than 15 mins to: beach, sailing, fishing. Click for details... Long Stay Discounts Available Location for rental: All Countries / Italy / Sicily / Agrigento Room/studio holiday accomodation in Sicily, Italy Aretusa Vacenze - apartment in the cit (Ref: 6229) self-catering room/studio in Siracusa, Italy Price Range: E539 to E540.2 (EUR) Sleeps: 2 No of Reviews: (2) Studios in the city centre of Syracuse, with en-suite bathrooms, linens, TV, equipped kitchenettes, refrigerators and air conditioning. ...more On site: beach, fishing. Less than 15 mins to: horse riding. Click for details... No Discounts Available Location for rental: All Countries / Italy / Sicily / Syracusae Holiday apartment in Venice & NE Italy, Italy 2, Le Begonville (Ref: 13116) self-catering apartment in Gardone Riviera, Italy Price Range: £355 to £745 (GBP) Sleeps: 6 No of Reviews: (1) Gorgeous residential complex set in the hills above Gardone Riviera, with breathtaking views over Lake Garda and large shared swimming pool. ...more Communal pool. Less than 15 mins to: beach, golf, horse riding, sailing, climbing, mountain biking, fishing. Click for details... No Discounts Available Location for rental: All Countries / Italy / Venice & NE Italy / Lake Garda Apartment to rent in Sicily, Italy Self-Catering-Accommodation DELFINO (Ref: 6863) self-catering apartment in Sciacca, Italy Price Range: £250 to £410 (GBP) Sleeps: 3 No of Reviews: (1) Our estate is situated in a rural and very peaceful idyll of about 30.000 square meters in the middle of a wood of olive-trees. ...more Pets allowed. On site: mountain biking. Less than 15 mins to: beach, sailing, fishing. Click for details... Long Stay Discounts Available Location for rental: All Countries / Italy / Sicily / Agrigento Apartment rent in Venice & NE Italy, Italy Pompeo Molmenti (Ref: 15114) self-catering apartment in Moniga del Garda, Italy Price Range: £645 to £1495 (GBP) Sleeps: 8 No of Reviews: (0) Not Yet Rated 3 bedroom, 2 bathroom apartment in an exclusive complex in the heart of the pretty lakeside town of Moniga del Garda. ...more Communal pool, wheelchair friendly. On site: mountain biking. Less than 15 mins to: beach, golf, horse riding, sailing, climbing, fishing. Click for details... No Discounts Available Location for rental: All Countries / Italy / Venice & NE Italy / Lake Garda Holiday villa in Italy Villetta Mimma Vittoria (Ref: 1376) self-catering villa in Gioia Tauro, Italy Price Range: $850 to $2560 (USD) Sleeps: 6 No of Reviews: (11) The ideal touring base on Calabria’s Costa Viola. Villetta Mimma Vittoria - blissful villa rental in the Mediterranean."Handicap Accessible" ...more Wheelchair friendly. Less than 15 mins to: beach, horse riding, sailing, fishing. Click for details... No Discounts Available Location for rental: All Countries / Italy / Southern Italy / Calabria Page: 1 , 2 , 3 , 4 , 5 , 6 , 7 , 8 , 9 , 10 , 11 , 12 , 13 , 14 , 15 , 16 , 17 , 18 , 19 , 20 , 21 , 22 , 23 , 24 , 25 , 26 , 27 , 28 , 29 , 30 , 31 , 32 , 33 , 34 , 35 , 36 , 37 , 38 , 39 , 40 , 41 , 42 , 43 , 44 , 45 , 46 , 47 , 48 , 49 , 50 , 51 , 52 , 53 , 54 , 55 , 56 , 57 , 58 , 59 , 60 , 61 , 62 , 63 , 64 , 65 , 66 , 67 , 68 , 69 , 70 , 71 , 72 , 73 , 74 , 75 , 76 , 77 , 78 , 79 , 80 , 81 , 82 , 83 , 84 , 85 View rental properties in: All Countries , Italy . Click here for a destination guide to Italy . back to top Can't find what you want? Click here to let us find it for you! Conditions Of Website Use | Privacy Statement © myvillarenters. com 2005 New Listing - This property has recently been added to our website. Click for more information... Recommended - This property has at least one good review. Click for more information... Highly Recommended - This property has several good reviews. Click for more information... Best Buy - This property has many excellent reviews. Click for more information... The Villarenters Index evaluates the activity of the owner/manager. Essentially the more bookings that we process for the property, the more confidently we can recommend a property, plus, the more likely the calendar will be up-to-date and accurate. Click for more information... Instant Confirmation - This property can be booked instantly and therefore the availability is completely accurate. If your booking is last minute this is ideal. The property is yours if you want it! Click for more information...

property listings throughout the

Commercial Real Estate Listings Commercial Real EstateListings Vandema Vandema Commercial Real Estate Home Surplus Government R. E. | Surplus Corporate R. E. Realtor Listings | Foreclosure Listings Commercial Properties for Sale or Lease by Barry, Inc. - Includes listed land, office, industrial and retail properties. MrOfficeSpace.com - Office space for lease in a number of U.S. metros. RealEstateExchange.com - Multiple listing service for the exchange or sale of commercial and investment property. Bed & Breakfast for Sale - Listing directory of small lodging properties, hotels and inns for sale. Retreat Properties - Retreats, ranches or resort properties available for redevelopment in North and Central America. Private Islands Online - Directory of private islands for sale. Hotel Realty Resource - Listings of hotels, motels, inns and restaurants. Hotels & Motels FSBO - For sale by owner hotels, motels, b&b's and other lodging establishments. NAIDirect.com - Available office, retail, industrial, development properties and apartments buildings. Web-Real-Estate.com - Search for commercial and investment real estate for sale or lease. Storetrax.com - Directory of available retail space. RV Parks & Campgrounds For Sale ResortsForSale.Com - On-line guide to resorts for sale in North America, featuring photos, descriptions and contact info. CommercialSearch.com - Listing services for office, industrial, retail, residential, hotel, land and farm property. Loopnet Listing Services - Database of real estate for sale or lease throughout North America. FIABCI - Members Properties for Sale FIABCI - Members Properties for Lease Hotel / Motel For Sale Listings - Directory by state. COMMREX Listings - Search investment, commercial and industrial property listings throughout the U.S. Listings of Farms and Farmland - Land and farms for sale. Get in touch with us by Other Commercial Real Estate Resources