 I need advice about mortgages? |
| does anyone know the best place to start when looking for a mortgage? i want to know how much i would be able to get. any help would be greatly appreciated. ... |
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 I have bad credit. Is buying a home out of the question? |
any web sites would be great. please be specific and pleas just dont tell me yes....tell me how!
Additional Details
my credit is lucky to hit 500... |
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 How do I get out of my lease if the house is uninhabitable? |
| All the reality company wants to do is fix the problems: leaky roof, moldy carpet, poor insulation etc. We had no idea the place was this bad when we moved in in September. They have taken advantage ... |
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 Buying a house? |
| i am in the middle of buying a house and told my solicitor three weeks ago that i wanted to complete on friday 4th August and he said that wouldn't be a problem. Yesterday he told me that they ... |
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 In California is it the landlords responsibility to showel snow off the renters roof? |
| We own a rental and the roof needs the snow shoveled off. This year we have more snow than usual and more coming. Is it the renters responsibility or the landlords to maintain the shoveling? We ... |
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 Are you expected to give your real estate agent a gift after you buy your house? |
| I'm in the process of buying my first house, and my real estate agent has been super helpful. Should I buy her a gift once the sale goes through, or is the money she makes off of this sale ... |
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 I live in the state of GA my landlord opened my mail and it was financial matters. I'm sure that's not legal? |
| She claims it was because she thought it was her daughter's mail but their names are not even remotely similar to mine. Then when I confronted her she mockingly told to "call your lawyer... ... |
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 Who hates landlords more than me ??? (landlords need not comment)? |
I despise all of them so much, they are the lamest people in England them and estate agents.
Would you vote for a political party that made it very difficult for these people to live ??<... |
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 Is there a way to buy a house with poor credit? |
Hello, I would like to know if there is a way to buy a house with fair/poor (not sure what is considered poor) credit, and no money down??
T... |
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 If a tenant's dog bites a gardener, who is liable for this? |
| After the bite, the gardener was able to go to work. We (house's owner) don't know the tenant has a dog. The gardener told us he was fine and just went to get some antibiotic, but and ... |
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 Why wont any one buy this house? |
| this is a beautiful 4 bedroom house....it has a jacuzzi and pool beautiful garden and beautiful inside...big kitchen everything you want in a house and some reason no one wants the house.. people ... |
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 Get married or buy a house first? |
My fiancee and I have been talking about buying a house for almost a year and we're getting into a financial position where we may be able to.
We are both wondering whether it would be ... |
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| If you own a place and get a roommate to help with mortgage? |
is that considered an extra income? If so, how do you write that in your taxes - business or just add as an regular income?
Silly question, but totally new to this topic.... |
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 I'm 16 and I want to rent an apartment but what sort of things do I need?? |
| The only thing I know is at the age of 16 I can live on my own in an apartment or something. But what sort of things will I need, like I know I cannot get a co - signer, so is there anything else I ... |
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 Should I deny a applicant bc 61% of his monthly wage will go to the rent? |
| I have an applicant who monthly wage is $2000 and he is trying to rent a apartment for $1220. The owners of the apartment want to deny the applicant because he may have problems making rent. The ... |
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Me Me | Why on earth do I need a realtor to help me buy property when we have the internet? |
ok, ok ... maybe I need someone to represent me for the sale. but I think I can pick out the properties I want to see and call the seller's realtor for a showing right? |
 |
 
MamaBear
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You can, but if you decide you want to buy the property, who's looking out for you? Not the seller's realtor -- their job is to make the most money they can for the seller, and craft the most advantageous deal. But a buyer's agent is looking out for YOU, and can easily negotiate around pitfalls that the less experienced or unwary might fall right into.
Plus, you'll end up calling multiple agents and trying to fit into their various days. Try to coordinate the schedules of 8 real estate agents on any given day! But your own agent will make all those phone calls, arrange the appointments, get early feedback on sales motivation, etc., and will be able to provide you with comparables for what has recently sold in the same area, at what price, and how they compare with the house you are looking for. All you have to do is meet the agent, and start touring.
It's actually a lot of fun, especially if you find a buyer's agent you really click with, who understands what kind of house you are looking for, etc. With access to MLS services in their area, buyer's agents can keep a close eye on new listings that might meet your criteria, and if they are well-connected, they often hear about homes getting ready to come on the market, that other agents may be getting ready to list. |
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Dr. Deth
 |
Most of the listings out there are on multi-list systems that you can only see using a realtor. Most houses for sale are NOT displayed in the newspapers, etc. With your method, you could be dealing with 20 different realtors and if you find one you like - you still have to get your own RE agent to represent you, so why not work with one as your buyer's representative right from the start - it will be 10 times more productive |
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Landlord
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A agent will help you with a deal. If you use the sellers agent they literally can not help you save any money in the purchase. They signed a contract to get as much $ as possible.
An agent isn't going to cost you a thing, and you will not be saving the sellers any money either, their agent gets double commission if you don't have an agent.
You should find yourself a good, well recommended agent, tell them what you want, and what you can pay and let them find the gems for you. It is almost impossible to judge houses by pictures, many are not done justice, and others are dogs in disguise. |
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acermill
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Sure you can call the seller's realtor and work with that realtor. And then you get to understand that the seller's realtor is working for........THE SELLER ! Do you REALLY want to engage in a transaction of this magnitude with NO ONE representing YOU ??? |
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bostonianinmo
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It doesn't cost you anything, so why not have one? |
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shelcom
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Because there are many legal minefields that can really screw you up if you don't know what you're doing. |
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Expert Realtor
 |
Ask yourself this: If you were getting sued for $150,000, and the people suing you had an experienced attorney that specialized in that type of lawsuit, would you go to court and represent yourself?
Of course you wouldn't.
However....you want to buy a house without legal representation when the other party has an experienced professional not only looking out for THEIR best interests, but will tell the seller ANYTHING that you share with them?
It's something to consider, and keep in mind that you don't get a discount for not using a Realtor.
Have you ever noticed on Yahoo! Answers that sellers never want to use a Realtor so they can keep what they would normally spend on a listing commission and buyers actually THINK that they are saving money by not using a Realtor?
Not using a Realtor puts extra money in the seller's pocket...not yours. |
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Prof. Dave
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Well you are right to some degree, yet you need to make sure that the house is in good order and everything is up to date and safe enough to where you know what you are buying. Plus you need to know background info like make sure all the taxes have been payed on the property and so on. It is usually more helpful if you have someone that has the knowledge and experience at appraising a home and making sure the legal issues are taken care of. You could do it yourself but if you have never done that type of thing before it can and will take up a lot of your time. While a realtor already knows what forms need to be filled out and about what the going rate is for the type of home you are buying. It would just make your life a little easier, but if you have the time and so on then no you don't really need one. |
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Alice Lockwood
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A good realtor will know the "good" areas and "bad" areas. |
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jeanniep
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the properties that you see on web are not all up to date some might be pending or even sold
you don't want to call the agent that has the house listed because they do not represent you, you need an agent that will work for you, yes you can look on the web even drive by them but call your agent to see them and to ask questions
and the fact that it does not cost you anything to hire and agent to help you look |
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stop it
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a realtor does more work than everyone thinks!!!! it is best to get one. they will can find all the details of the house that the interent wont give you. and usually when you are buying a home --- the seller is the one who pays the realtor fees. so why not just get a realtor and do it right? |
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Mister Sarcastic
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I regretted using my realtor. He took me to see dump after dump. The house I ended up buying was one that * I * found myself over the internet. He got a nice big commission out of it, didn't even physically hand over the keys to me (he left them in the mailbox) and I didn't get so much as a housewarming plant from him. |
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amandachsny
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I myself am a real estate agent in nc. I can tell you from experience that the fun just begins when you actually START to look for a home. For instance, what if you walk into a home and see a nice chandelier, but when the final walk through comes, it isn't there. How do you get it back or was it included at all. And what if you are getting cheated by a purchase money mortgage witha 15% interest rate. Believe me, the seller who is financing can make that rate sound good if you think the principle is cheap. ehh? Should I go on. What about when you want to counteroffer an offer and right when you call to say you don't accept, the broker on the other side yells we accept first. You are stuck. I can't tell you nor will I try to, but you should really consider obtaining a real estate broker for your transaction. |
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godged
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What a horrible waste of time.
I make it a point to get out and see as many properties as I can. I go to broker open houses, other agent's open houses, take clients around to whatever they want to see, I get to view alot of the area inventory.
If you call me with a set of requirements for your home, I can tell you which houses I have been in that you may want to see or absolutely don't want to see.
And if you are calling the seller's agent for a showing then bring a buyer's agent for the sale, you are wasting the seller's agents time. That is what you have a buyer's agent for, to help you buy something.
Working with tons of different Realtors, none who will invest any time trying to find you something once they discover you are working with everyone in town, is a waste of time. Find a buyer's agent that will work with you, go over your needs and dislikes, and start looking at property. If you have locked in with one good agent, they will work for YOU, send you new listings, preview listings for you, and represent you every step of the way. |
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stevemincer
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well first thing is this...
the SELLER'S agent has an obligation to get the HIGHEST price for the property. is that the person you want to deal with? a BUYER'S agent costs you NOTHING and they can pull accurate comps for you, and make sure you are getting the BEST deal. |
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lovingdaddyof2
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Personally, I have never used a realtor in a land transaction. I do the research myself, and then use a realestate attorney to review the documents. Then I have control over the whole process and I know that I have good cousel on the contracts.
It is a good way to save several thousand dollars.
Only do this if you know the area that you are looking in. If you are coming in from out of town, it would pay to have the reputable opinion from a local on what areas are worth the money.
May God Bless you on your search. May you also find a good church home as well. |
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Califrich
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Good question! Realtors take way too big a bite out of the profits for what they do. If you do a Web search on "for sale by owner," you can find companies that will help you navigate all the paperwork and sell your property on your own, cutting out the middleman. Good luck. |
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