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Sunday, November 6, 2011
Thursday, August 26, 2010
Tuesday, August 17, 2010
From Renter To Homeowner To Real Estate Investor
Becoming a renter is usually the first step to becoming a real estate investor. As a renter, you are establishing a habit of making a monthly payment in exchange for having a roof over your head. You are also paying the owner/landlord's mortgage and/or way of life. If you're paying your rent and other bills on-time and you are saving every month, your next move is into home ownership which is a reward for your "Good Habit."
As a homeowner, you have a vested interest in the property. If you did not pay cash for your home, you are making a monthly mortgage payment. Every month that you make a payment towards your mortgage, you are gaining equity in your home. In addition, your home should be appreciating annually. Hopefully you are keeping up with your "Good Habit" of paying now your mortgage and other bills on-time and you are still saving every month. If all is true, your next move is into real estate investing.
As a real estate investor, someone else is paying your mortgage and/or way of life. You may become a real estate investor by converting your first home into a rental property and you purchase another home. Maybe your real estate agent found you a "steal of a deal" that you purchased as a rental property, or maybe you purchased the property and re-sold it for a profit. As a real estate investor, your keep repeating the cycle of purchasing, renting and/or selling for a profit.
From Renter To Homeowner To Real Estate Investor...Where are you in this cycle? Give me a call @ 832-647-1769 to help you get to the next step.
As a homeowner, you have a vested interest in the property. If you did not pay cash for your home, you are making a monthly mortgage payment. Every month that you make a payment towards your mortgage, you are gaining equity in your home. In addition, your home should be appreciating annually. Hopefully you are keeping up with your "Good Habit" of paying now your mortgage and other bills on-time and you are still saving every month. If all is true, your next move is into real estate investing.
As a real estate investor, someone else is paying your mortgage and/or way of life. You may become a real estate investor by converting your first home into a rental property and you purchase another home. Maybe your real estate agent found you a "steal of a deal" that you purchased as a rental property, or maybe you purchased the property and re-sold it for a profit. As a real estate investor, your keep repeating the cycle of purchasing, renting and/or selling for a profit.
From Renter To Homeowner To Real Estate Investor...Where are you in this cycle? Give me a call @ 832-647-1769 to help you get to the next step.
Thursday, July 15, 2010
Using Investment Properties As Your 401K
If you work for a company that offers a 401K plan or any retirement plan, that is great. I hope you are participating. In addition to being a realtor, I am a real estate investor. I use investment properties as part of my retirement plan. Think about it like this, you can purchase investment properties, rent these properties out, and eventually sell the properties to make a nice profit for your retirement. With your properties being rented, this means somebody else is paying your mortgage, taxes, insurance, and maintenance for you. In other words, your investment properties are paying for themselves, and you should be generating passive income at the same time. Don't forget about the tax advantages of owning investment properties.
The secret to this retirement plan is to start early. Just like the earlier you start contributing to your 401K the faster your money will accrue. The sooner you purchase your first investment property the sooner it will be paid off, and remember real estate is not only for sale, it is on sale at this time. This is a great retirement plan for a married couple or anyone looking to get that edge on their future through real estate.
Call today 832-647-1769.
The secret to this retirement plan is to start early. Just like the earlier you start contributing to your 401K the faster your money will accrue. The sooner you purchase your first investment property the sooner it will be paid off, and remember real estate is not only for sale, it is on sale at this time. This is a great retirement plan for a married couple or anyone looking to get that edge on their future through real estate.
Call today 832-647-1769.
Tuesday, July 13, 2010
Real Estate Is Not Only For Sale, It Is On Sale
With all the foreclosures and short sales on the market, real estate is literally on sale. In addition, mortgages are at a historically low rate. This means you can get a great deal on a property with equity already built-in at an affordable monthly payment. I call this the 2 for 1 special, but hurry because this sale will not last forever.
Stop window shopping and step into my office. Call today 832-647-1769.
Stop window shopping and step into my office. Call today 832-647-1769.
Wednesday, July 7, 2010
Six Selling Myths Uncovered
Myth #1: You should always price your home high and negotiate down.
Truth: Pricing too high can be as bad as pricing too low. If you list too high, you'll miss out on buyers looking in the price range where your home should be. Offers may not even come in, because buyers who are interested in your home are scared off by the price and won't even take the time to look at it. By the time you correct the price and list your home at its fair market value, you will have lost that window of opportunity when your home draws the most attention from the public and real estate agents; i.e. the first 30 days that it is on the market. A well-trained real estate agent who looks out for your best interests will consult with you on your home’s fair market value and different pricing strategies for the current market.
Myth #2: Minor repairs can wait until later. There are more important things to be done.
Truth: Minor repairs make your house more marketable, allowing you to maximize your return (or minimize loss) on the sale. Most buyers are looking for homes that are ready for them to move into. If your home happens to attract a buyer who is willing to make repairs, he/she will begin asking for repair allowances that come out of your asking price. The amount of an allowance that you have to offer a buyer is usually more than what it would cost for you to make the repair (or hire someone to make the repair). Remember, buyers are comparing your home to other homes that are currently on the market. Your home should be inviting so that everyone who looks at it can see themselves living there.
Myth #3: Once a potential buyer sees the inside of your home, curb appeal won't matter.
Truth: Buyers probably won't make it to the inside of the home if the outside of your home does not appeal to them. Buyers and their agents often do drive-bys before deciding whether a home is worth their time to look inside. Your home’s exterior must make a good first impression so that buyers are compelled to stop and come inside. All it takes is keeping the lawn mowed, shrubs and trees trimmed, gardens weeded and edged, and clutter put away.
Myth #4: Your home must be every home buyer's dream home.
Truth: If you get carried away with repairs and replacements to your home, you may end up over-improving the house. There is a point where improving your home doesn’t pay off. The key is to consider what competing properties feature and look like. A highly-motivated real estate agent will consult with you on what competing properties have to offer – he/she can even show you competing properties so that you can make sound home improvement decisions.
Myth #5: You are better off selling your home on your own and saving money on the commission you would have paid to a real estate agent.
Truth: Statistically, many sellers who attempt to sell their homes on their own cannot consummate the sale without the service of a real estate agent. Homeowners who succeed in selling their home by themselves usually net less than if they had a real estate agent working for them. The National Association of REALTORS surveys consumers every year, including homeowners who succeeded in selling their home without a real estate agent. Over 70% of these homeowners say that they would never do it again.
Myth #6: When you receive an offer, you should make the buyer wait. This gives you a better negotiating position.
Truth: You should reply immediately to an offer! When a buyer makes an offer, that buyer is, at that moment in time, ready to buy your home. Moods can change, and you don't want to lose the sale because you have stalled in replying.
Now that the myths have been uncovered, call 832-647-1769 Today and sell your house Tomorrow!
Truth: Pricing too high can be as bad as pricing too low. If you list too high, you'll miss out on buyers looking in the price range where your home should be. Offers may not even come in, because buyers who are interested in your home are scared off by the price and won't even take the time to look at it. By the time you correct the price and list your home at its fair market value, you will have lost that window of opportunity when your home draws the most attention from the public and real estate agents; i.e. the first 30 days that it is on the market. A well-trained real estate agent who looks out for your best interests will consult with you on your home’s fair market value and different pricing strategies for the current market.
Myth #2: Minor repairs can wait until later. There are more important things to be done.
Truth: Minor repairs make your house more marketable, allowing you to maximize your return (or minimize loss) on the sale. Most buyers are looking for homes that are ready for them to move into. If your home happens to attract a buyer who is willing to make repairs, he/she will begin asking for repair allowances that come out of your asking price. The amount of an allowance that you have to offer a buyer is usually more than what it would cost for you to make the repair (or hire someone to make the repair). Remember, buyers are comparing your home to other homes that are currently on the market. Your home should be inviting so that everyone who looks at it can see themselves living there.
Myth #3: Once a potential buyer sees the inside of your home, curb appeal won't matter.
Truth: Buyers probably won't make it to the inside of the home if the outside of your home does not appeal to them. Buyers and their agents often do drive-bys before deciding whether a home is worth their time to look inside. Your home’s exterior must make a good first impression so that buyers are compelled to stop and come inside. All it takes is keeping the lawn mowed, shrubs and trees trimmed, gardens weeded and edged, and clutter put away.
Myth #4: Your home must be every home buyer's dream home.
Truth: If you get carried away with repairs and replacements to your home, you may end up over-improving the house. There is a point where improving your home doesn’t pay off. The key is to consider what competing properties feature and look like. A highly-motivated real estate agent will consult with you on what competing properties have to offer – he/she can even show you competing properties so that you can make sound home improvement decisions.
Myth #5: You are better off selling your home on your own and saving money on the commission you would have paid to a real estate agent.
Truth: Statistically, many sellers who attempt to sell their homes on their own cannot consummate the sale without the service of a real estate agent. Homeowners who succeed in selling their home by themselves usually net less than if they had a real estate agent working for them. The National Association of REALTORS surveys consumers every year, including homeowners who succeeded in selling their home without a real estate agent. Over 70% of these homeowners say that they would never do it again.
Myth #6: When you receive an offer, you should make the buyer wait. This gives you a better negotiating position.
Truth: You should reply immediately to an offer! When a buyer makes an offer, that buyer is, at that moment in time, ready to buy your home. Moods can change, and you don't want to lose the sale because you have stalled in replying.
Now that the myths have been uncovered, call 832-647-1769 Today and sell your house Tomorrow!
Tuesday, June 22, 2010
Freddie Mac, Fannie Mae Announce Relief for Gulf Coast
Both Freddie Mac and Fannie Mae announced that servicers may grant relief to Gulf Coast borrowers unable to pay their loans because of the current oil spill's impact on their incomes.
Freddie Mac's forbearance policies give servicers the discretion to suspend a borrower's mortgage payments for up to three months or reduce payments for up to six months. Servicers may recommend forbearance for up to twelve months, based on the borrower's individual circumstances.
"Freddie Mac and the nation's mortgage servicers will work together to advance available mortgage relief to homeowners affected by the Deep water Horizon oil spill," said Freddie Mac Senior Vice President of Default Asset Management Ingrid Beckles. "We are instructing our servicers to work with borrowers with Freddie Mac-owned mortgages to extend forbearance of mortgage payments where appropriate to help them stay in their homes as they navigate through this financial hardship."
Under Freddie Mac's requirements servicers must not accrue or collect late charges from the borrower during a short-term forbearance or any subsequent repayment plan period if the borrower is paying according to the forbearance agreement.
Freddie Mac's forbearance policies give servicers the discretion to suspend a borrower's mortgage payments for up to three months or reduce payments for up to six months. Servicers may recommend forbearance for up to twelve months, based on the borrower's individual circumstances.
"Freddie Mac and the nation's mortgage servicers will work together to advance available mortgage relief to homeowners affected by the Deep water Horizon oil spill," said Freddie Mac Senior Vice President of Default Asset Management Ingrid Beckles. "We are instructing our servicers to work with borrowers with Freddie Mac-owned mortgages to extend forbearance of mortgage payments where appropriate to help them stay in their homes as they navigate through this financial hardship."
Under Freddie Mac's requirements servicers must not accrue or collect late charges from the borrower during a short-term forbearance or any subsequent repayment plan period if the borrower is paying according to the forbearance agreement.
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