Archive for the 'Seller's Advice' Category
Best GAA Football Goals
January 3rd, 2010 categories: Buyer's Advice, Irish Footbal, Neighborhood and City events/highlights, Seller's Advice, Uncategorized
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Beyond the Headlines
October 15th, 2009 categories: Buyer's Advice, Seller's Advice
C.A.R. Mortgage Update
Help from Fannie and Freddie for foreclosed homes
Fannie Mae and Freddie Mac are offering financing incentives for buyers of foreclosed homes owned by Fannie and Freddie. Home buyers have until Oct. 30 to apply for Freddie Mac’s SmartBuy program, which started in July, and offers up to 3.5 percent of a home’s sale price to help cover closing costs.
To qualify, the home must be a principal residence and must be selected from Freddie Mac’s HomeSteps Web site (www.homesteps.com/homeshoppers.htm) for its foreclosed properties. Loans must close by year’s end. The HomeSteps properties also include two-year warranties on major appliances and electrical, plumbing, and air-conditioning and heating systems.
Fannie Mae’s HomePath program (www.homepath.com) is an ongoing program and offers more incentives than Freddie Mac’s. Through participating lenders, Fannie will offer mortgages to buyers who make a down payment of 3 percent. The buyers do not have to secure private mortgage insurance, a common practice with nearly all lenders. Home buyers also can negotiate for Fannie Mae to offer closing-cost assistance.
Unlike Freddie Mac’s program, Fannie’s assistance level is not capped. Under the HomePath program, the average participating homeowner has received payments equivalent to 3.75 percent of the loan’s value.
To read the full story, please click here:
http://www.nytimes.com/2009/10/11/realestate/11mort.html?_r=1&ref=realestate
To view additional articles about new home loans, loan modifications, or mortgage refinances, please visit the following:
Refinancing wave skips Inland region
To read the full story, please click here:
http://www.pe.com/business/local/stories/PE_Biz_S_mortgages10.390c564.html
Schwarzenegger signs seven mortgage laws
To read the full story, please click here:
http://www.latimes.com/business/la-fi-mortgage13-2009oct13,0,6365006.story
FHA head rejects calls for higher down payments
To read the full story, please click here:
http://blogs.wsj.com/developments/2009/10/13/fha-head-rejects-calls-for-higher-down-payments/
Rates on 30-year loans inch up, to 4.92 percent
To read the full story, please click here:
http://www.sacbee.com/business/nation/story/2255906.html
Los Angeles Times
Start repairing bad credit rating now
Homeowners who have lost their homes to foreclosures or through short sales may be able to buy another home in as little as two years by taking immediate steps to rebuild their credit.
KEEP THIS IN MIND
Consumers who have had their homes foreclosed upon or sold via a short sale, where the lender agrees that the owner can sell the home for less than is owed on the mortgage, are advised to review their credit report as soon as possible for accuracy. Web sites such as annualcreditreport.com offer free reports, but not free credit scores.
The first step in reviewing a credit report is to make certain that the information in the file is about the correct individual, and not someone with a similar name or similar Social Security number. Credit reports also should be reviewed for incorrect items, such as credit cards that were never opened or payments made that were never reported.
Homeowners who have sold their home via a short sale should review their credit report to ensure the account reflects a zero balance rather than the difference between the outstanding balance and the sales price. Consumers should not assume that a short sale carries no further obligations. Some lenders are filing deficiency judgments, while others are selling the debts to investors who then contact borrowers for repayment.
Staying current on credit card payments, applying for secured credit cards, and taking out and paying on small loans also can help to reestablish credit.
To read the full story, please click here:
http://www.latimes.com/classified/realestate/news/la-fi-lew11-2009oct11,0,648573.story
In Other News…
Los Angeles Times
Housing upturn occurring in some parts of Southern California, data show
Southern California’s housing market took another small step toward recovery in September as the median sales price for homes in some areas rose above last year’s levels—the first such increase since the market crashed.
To read the full story, please click here:
http://www.latimes.com/business/la-fi-home-sales14-2009oct14,0,3912609.story
The Wall Street Journal
Home builders curtail freebies
Home builders are scaling back on the incentives offered to attract buyers, putting an end to such freebies as sports cars and tropical vacations.
To read the full story, please click here:
http://online.wsj.com/article/SB125470256909163111.html
CNN Money
Push on to expand $8,000 tax credit
Congress is considering proposals to greatly expand a soon-to-expire $8,000 tax credit for first-time home buyers—potentially applying it to all but the wealthiest home buyers.
To read the full story, please click here:
Los Angeles Times
Mortgage professionals expect home foreclosures to keep rising
Despite sub-5 percent mortgage rates and signs that home prices have bottomed out in some places, executives and economists are decidedly downbeat about the future of the country’s mortgage industry as well as the housing market it depends on.
To read the full story, please click here:
http://www.latimes.com/business/la-fi-mortgage14-2009oct14,0,7151440.story
Press Enterprise
Senior housing communities thrive
Since 2005, sales in Inland age-restricted communities have plunged by half but they are still stronger than in other new home developments, according to Hanley Wood Market Intelligence, a real estate research firm based in Costa Mesa.
To read the full story, please click here:
http://www.pe.com/business/local/stories/PE_Biz_S_seniorhsing2-08.390c845.html
Los Angeles Times
Home buyers should pay attention to IRS Form 4506-T
You might assume it’s just another boring-looking piece of the paper blitz you’re hit with when you apply for a home loan. But given IRS Form 4506-T’s new prominence in the fraud-shocked mortgage markets, it’s much more than just another document to sign.
To read the full story, please click here:
http://www.latimes.com/classified/realestate/news/la-fi-harney11-2009oct11,0,1381008.story
Los Angeles Times
Survey: Economists say recession is over, predict moderate, slow-paced recovery
More than 80 percent of economists believe the recession is over and an expansion has begun, but they expect the recovery will be slow as worries over unemployment and high federal debt persist.
To read the full story, please click here:
http://www.latimes.com/business/nationworld/wire/sns-ap-us-economic-recovery,0,2413922.story
What you should know about the market…
The federal government is offering some financial incentives in the form of a tax credit to homeowners making home improvements. The credits can be claimed on income taxes for the year in which the improvements were purchased—either 2009 or 2010. With a tax credit, the amount is deducted from the taxes owed.
Upgrades such as insulation, windows, doors, roofing, heating and air-conditioning systems, and water heaters qualify for a federal tax credit of 30 percent of the purchase price of the product, up to $1,500. More-costly improvements, including solar water heaters, solar panels, small windenergy systems, and geo-thermal heat pumps, offer a credit of 30 percent of the purchase price, but with no cap.
Details on which products qualify can be found on the Environmental Protection Agency’s Energy Star program Web site at http://www.energystar.gov/
Search for properties at EnterYourDreamHome
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Beyond The Headlines
July 17th, 2009 categories: Buyer's Advice, Seller's Advice

C.A.R. Mortgage Update
This week’s C.A.R. Mortgage Update contains information about FHA mortgages, mortgage rates, jumbo loans, foreclosure scams, and mortgage modifications.
The appeal of 3.5% Down: FHA mortgages increase in popularity
A recent survey by Zillow.com found that more than one-third of buyers do not plan to make down payments larger than 10 percent, while nearly one-fifth do not plan to issue a down payment. Since loans insured by the Federal Housing Administration (FHA) only require a 3.5 percent down payment, these loans have risen in popularity among buyers.
Last month, the share of applications for government-insured mortgages rose to its highest level since November 1990, accounting for nearly 36 percent of all mortgage applications, according to the Mortgage Bankers Association. In 2005, the share of government-insured mortgages stood at less than 6 percent.
To read the full story, please click here:
http://blogs.wsj.com/developments/2009/07/10/the-appeal-of-35-down-fha-mortgages-increase-in-popularity
To view additional articles, please visit the following:
Mortgage rates drop for third week; 30-year at 5.14%
To read the full story, please click here:
http://www.usatoday.com/money/economy/housing/2009-07-16-mortgage-rates_N.htm
Upscale home sales lag as jumbo loans are hard to get
To read the full story, please click here:
http://www.usatoday.com/money/economy/housing/2009-07-14-sales-jumbo-loans_N.htm
Foreclosure scams targeted in U.S., state and local crackdown
To read the full story, please click here:
http://www.latimes.com/business/la-fi-foreclosure-scams16-2009jul16,0,1422452.story
Mortgage firms prodded to modify more loans
To read the full story, please click here:
http://online.wsj.com/article/SB124718320592520315.html
Loan modification efforts helping few troubled homeowners
To read the full story, please click here:
http://www.mercurynews.com/realestatenews/ci_12789161
.

CNN
How to find your best place to live
The current economic situation has brought out many home buyers and also has caused some to relocate for new jobs. Finding the right home and one that has the best chance of holding or increasing in value can be challenging; however, real estate experts say that areas where homes retain their values best in tough times tend to have certain factors in common.
MAKING SENSE OF THE STORY FOR CONSUMERS
Since real estate markets are local and vary neighborhood to neighborhood, home buyers should work with REALTORS® who are familiar with the areas in which the buyers are interested. REALTORS® can help narrow down the number of properties to those that meet the buyers’ requirement.
During the height of the market, many home buyers only could afford to purchase in the exurbs. However, long commutes and high gas bills also can take their toll on homeowners. According to Ken Shuman at Trulia.com, homes more than 40 miles outside city centers generally have declined in value the most. For example, Shuman says that homes in Antioch (45 miles from San Francisco) lost 37 percent of their value in the past 12 months, while those in Walnut Creek (25 miles away) declined 18 percent.
Towns where zoning regulations make it more difficult to build have experienced smaller prices declines than towns that experienced huge building booms in recent years. “Prices are more likely to go higher if you can’t expand supply,” says Daniel McCue, research analyst the Harvard University Joint Center for Housing Studies. Towns nestled against barriers such as large lakes or protected wetlands also usually limit expansion.
Buyers can call the town or county planning office and ask how many acres of vacant land are in town, how much of it is zoned for residences, and the maximum number of homes that can be built. Requesting a copy of the town’s master plan also should tell buyers how much the housing stock is set to expand in the next 10 years.
Homes in towns with stores, banks, and movie theaters are more likely to hold value than those that are nearly all residential, as people like to live near these services and jobs, and provide the town a stronger tax base to fund public service items, such as police.
To read the full story, please click here:
http://money.cnn.com/magazines/moneymag/moneymag_archive/2009/08/01/105837635/index.htm?postver
sion=200907151

San Jose Mercury News
Foreclosures in Silicon Valley continue to climb
To read the full story, please click here:
http://www.mercurynews.com/business/ci_12834550
The Wall Street Journal
Home prices play big role in Americans’ decision to move
To read the full story, please click here:
http://blogs.wsj.com/economics/2009/07/14/home-prices-play-big-role-in-americans-decision-to-move/
The Los Angeles Times
Many underwater homeowners are deliberately walking away from mortgages
To read the full story, please click here:
http://www.latimes.com/classified/realestate/news/la-fi-harney12-2009jul12,0,3674775.story
Bloomberg
U.S. economy: Consumer sentiment falls on job losses
To read the full story, please click here:
http://www.bloomberg.com/apps/news?pid=20601087&sid=aV3l4MNlohIs
BusinessWeek
Southern California Homes Sales Rise Again
To read the full story, please click here:
http://www.businessweek.com/the_thread/hotproperty/archives/2009/07/southern_califo_2.html

What you should know about the market
The U.S. Dept. of Housing and Urban Development (HUD) offers an online guide to preventing foreclosure. The guide provides consumers with information such as how to contact a housing counselor; when and how to talk to their lender; how to find foreclosure resources; tips on avoiding foreclosure and foreclosure scams, as well as information for consumers who cannot keep their home.
The guide to preventing foreclosure can be accessed by visiting
http://www.hud.gov/foreclosure/
As credit underwriting guidelines tighten and down payment requirements increase, some home buyers – especially first-time home buyers – are finding it more difficult to qualify for a mortgage loan offered by a traditional financial institution. One viable option for some first-time home buyers, or those with challenged credit, is to apply for a home loan with the Federal Housing Administration (FHA). These loans are mortgages issued by a private lender but insured by the FHA. They often require smaller down payments and offer fixed-rate or adjustable-rate loans. However, not all home buyers will qualify. The FHA requires verification of income and assets along with a full home appraisal. While consumers with credit scores a low as 580 may qualify, home buyers should contact an FHA lender for an accurate assessment of their situation and ability to qualify.
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Trade in Your Piece of Junk
July 2nd, 2009 categories: Buyer's Advice, Green Events, Neighborhood and City events/highlights, Restaurants, Seller's Advice
Obama signed into law a great new program that the (NHTSA) National Highway Traffic Safety Administration has named (CARS) the Car Allowance Rebate
System. This is a government program that helps you purchase a new, more fuel efficient vehicle when you trade in a less fuel efficient vehicle. See the Frequently Asked Questions for more details.
Criteria:
- Your vehicle must be less than 25 years old.
- Only purchase or leases of new vehicles qualify
- Trade-in vehicles must get 18 or less MPG (some pick-up trucks, cargo vans have different criteria)
- Must be registered and insured continuously for the full year preceding the trade-in.
- You don’t need a voucher; dealers will apply a credit at purchase.
- The program runs through Nov 1, 2009 or when the funds are exhausted, whichever comes first. First come first served
- The vehicle that you are trading in will be destroyed. The value you negotiate with the dealer should not exceed its scrap value. The law requires the dealer to disclose to you and estimate of the scrap value when trading in your vehicle.
Beginning date is around July 23. See Program Rollout
How their guarding against fraud during the program? Click here for more information.
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C.A.R Mortgage Updates
July 1st, 2009 categories: Buyer's Advice, Seller's Advice

To read the full story, please click here:
To view additional articles, please visit the following:
Weakness in mortgage refinancing
To read the full story, please click here:
http://online.wsj.com/article/SB124508720715715781.html
http://www.mercurynews.com/realestatenews/ci_12603922

California housing market shows pockets of recovery
A surge in home sales that started in some of California’s more affordable inland areas has begun to spread to several more expensive coastal areas, another indicator that the state’s real estate market may be in recovery mode.
KEEP THIS IN MIND
- Many homes in the lower end of the market are receiving multiple offers, with some prospective buyers bidding well above asking prices. Inventory levels for homes priced under $500,000 stood at 3.2 months in May 2009, compared with 9.4 months in May 2008.
- Some buyers, especially those in historically higher-priced markets such as the San Francisco Bay Area, are newly optimistic about buying homes and are realizing that the combination of low interest rates, favorable home prices, and first-time home buyer tax credits may not realign for many years.
- Some housing economists caution against interpreting signs of increased sales activity as meaning the market has bottomed. Interest rates on 30-year, fixed-rate prime mortgages have risen above 5 percent in recent weeks and could continue to increase as fears of inflation impact interest rates. Additionally, the federal tax credit for first-time home buyers is scheduled to end November 30, which may remove the incentive to purchase.
- Although the median price in the state has risen for four consecutive months, prices in some higher-income neighborhoods still are declining. Some agents say that declining prices in these neighborhoods are a reflection of borrowers’ problems getting jumbo mortgages to make purchases.
To read the full story, please click here:
http://online.wsj.com/article/SB124545407944432853.html

The Los Angeles Times
Forecast for California: gradual clearing
To read the full story, please click here:
http://www.latimes.com/business/la-fi-cal-econ18-2009jun18,0,6354615.story
The Sacramento Bee
Leading economic indicators up more than expected
To read the full story, please click here:
http://www.sacbee.com/830/story/1957522.html
CNN
$6 billion available to buy foreclosed homes
To read the full story, please click here:
http://money.cnn.com/2009/06/23/real_estate/money_for_foreclosures/index.htm?postversion=2009062312
The Sacramento Bee
Sacramento area misses move-up home buyers—they’re staying put
To read the full story, please click here:
http://www.sacbee.com/business/story/1959684.htm

San Francisco Chronicle
Appeal assessment if you think it’s too high
To read the full story, please click here:
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2009/06/21/BUGJ18ABE8.DTL&type=business
Reuters
Echo boomers a lifeline for embattled U.S. housing
To read the full story, please click here:
http://www.reuters.com/article/smallBusinessNews/idUSTRE55L0AO20090622
The Los Angeles Times
Home resales in U.S. rise 2.4% in May to 4.77 million rate
To read the full story, please click here:
http://www.latimes.com/business/la-fi-homesales-wire24-2009jun24,0,2268595.story
Bloomberg
Housing eludes recovery as job losses, foreclosures climb
To read the full story, please click here:
http://www.bloomberg.com/apps/news?pid=20601213&sid=aw.NN1SqL7xk

What you should know about the market…
• Buyers who are having difficulty arranging financing or coming up with a down payment
may want to consider rent-to-own or lease-options. Generally, these deals require buyers to pay
extra amounts of rent each month, in addition to the normal market-rate rent, plus up-front fees
of approximately 5 percent of the purchase price. The owner keeps the regular rent, but the
additional payments are used to buy down the price of the home. While rent-to-own options
may be a viable choice for some buyers, most real estate experts recommend buyers and
sellers work with attorneys experienced in drafting lease-option agreements.
• Although rent-to-own options enable buyers to walk away from the deal for a variety of
reasons, including deciding the home or neighborhood isn’t a good fit; one drawback is that by
walking away, buyers agree to forfeit the up-front fees and the additional monthly rent they’ve
been paying. Additionally, at the end of the term, if the buyer still is unable to secure financing
they also may have to forfeit the money.
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Market Stats For All of Anaheim March 2009
April 23rd, 2009 categories: Buyer's Advice, Energy Saving Tips, Neighborhood and City events/highlights, Seller's Advice
Data for March 2009.
Please drop by regularly for new Data.
The only tool that gives you a real edge in gathering real estate data and keeps you updated. These statistics is the only product that gives you complex-graphs-made-simple. With these statistics you get an exclusive view of inventory in months’ supply, comparing results from city-to-city, the ability to provide to you local and nearby competitive circumstances, confidence to list it at the right price from the beginning, or validate a request for a list price reduction, exclusive Active-to-Pending ratio results provide you with the best real time pulse of the market, the current buyer demand for any property, price and category, comparing what sellers are asking on a cost-per-square-foot basis, to what buyers are currently willing to pay on a cost-per-square-foot basis, and a comparison of all MLS statuses by cost-per-square-foot.
These statistics are for you to know and understand the local market.
Inventory In Months’ Supply March 3, 2009
Comparing Anaheim to Nearby Communities
All Residential Properties
Active -To-Pending Ratio – March 3, 2009
Comparing Anaheim to Nearby Communities
All Residential Properties
Pricing Reality For Sellers – March 3, 2009
List Price Per Square Foot by MLS Status
All Residential Properties in Anaheim
Sale Price Per Square Foot
Comparing Anaheim to Nearby Communities
Sales Closing 12 Months Ending March 2, 2009
All Residential Properties
Monthly Listings Taken and Absorbed
All Residential Properties in Anaheim
12 Months Through Feb, 2009
Listings Sold by Calendar Quarter
All Residential Properties in Anaheim
9 Quarters Through December 31, 2008
Please do not hesitate to contact me if you have any questions.
Patrick Canavan
714.943.0444
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HOMEOWNERS BEWARE – Foreclosure Rescue Scams
March 26th, 2009 categories: Buyer's Advice, Realtors, Seller's Advice

Beware
BEWARE: Foreclosure Rescue Scams
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Retaliation against the Lender for the foreclosure
January 24th, 2009 categories: Buyer's Advice, Seller's Advice
I can understand the anger that comes over people after losing a home to foreclosure but to destroy or damage their bank-owned home before moving out will be a million times worse for them. Not many people are aware that they make the Economic problem worse. Removing fixtures, faucets, sinks, piping, showers, toilets etc.. purposely damaging the property before they leave will not only affect THEM but everyone else pays the price for THEIR ignorance. It actually hurts the falling market even further. The surrounding property value will lower more when your damaged property
sells and is used for other comparables. The sale of their property will be used for other sales. Hence affecting everyone.
I hope some read this before they do such acts because you will be looking at criminal prosecution and a Civil Judgement. I am sure they are not aware that this will follow them for the rest of their life?
Anyone that retaliates against a Lender (Mortgage Company) that foreclosues on their property will be looking at criminal prosecution. Here in California it is prohibited that removing fixtures, faucets, sinks, piping, showers, toilets etc.. “with the intent to defraud or injure” after the property has been foreclosed.
Removing fixtures more than $100 is a FELONY which equals prison for a year or even more. If they are less than $100 it is a MISDEMEANER with county jail imprisonment for up to one year and or a fine of up to $1,000.00
The mortgage company may bring a separate lawsuit to recover for the difference in the value of the property caused by the Vandalizism. If a mortgage company obtains a judgment for the damages, that judgment is valid for ten years, and may be renewed for additional ten year periods.
So please save yourself even more dismay and hurting everyone around you – PLEASE PLEASE think twice, you will regret it.
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Merrill Lynch CEO Earns $83 Million in Compensation
December 22nd, 2008 categories: Buyer's Advice, Market Reports, Real Estate New, Realtors, Seller's Advice
Bailout Banks paid $1.6 Billion in compensation to 600 top executives – in salaries, Bonuses etc.. in 2007
Lloyd Blankfein CEO – Goldman Sacs
2008 Compensation
$54 Million
Goldman Sacs Govt.
Bailout: $10 Billion
John Thain CEO – Merrill Lynch
2008 Compensation
$83 Million
Merrill Lynch Govt.
Bailout: $10 Billion
This information is from their SECC filings – disclosing all their perks, golf memberships etc..
Apparently John Thain only worked for 1/2 a year with a signing bonus of $15 million who gave up his bonuses for huge stock options. Goldman Sacs says they will give up their bonuses but how much of this will be a token because most of what they have been saying is that they need some of this money to retain Talent & that they cannot bring in the Executives they need if they cannot offer them high salaries. Aren’t these the guys that created the mess we are ?????????
SIX FINANCIAL COMPANIES THAT GOT $270 BILLION STILL OWN CORPORATE JETS.
| Discussion: 1 Comment »
I Want To Buy From The Listing Agent
December 17th, 2008 categories: Buyer's Advice, Seller's Advice
I had a very interesting conversation with a potential buyer yesterday who thought I was the listing agent. When he asked if I was my response of course was no. He wanted to place an offer on a property for $200,000 less than the asking price. The home was a killer deal to begin with since it was lower than everything in its neighborhood and in a fantastic location. I asked why he wanted to speak with the listing agent. Knowing what his intentions were – solely to get a better deal.
I’m just going to jump right into it here. Let me ask the buyers out there some questions:
1. What if the Seller(s) instruct me (the agent) to negotiate the highest price possible for their property and you the Buyer also instruct me (the agent) to negotiate the lowest price possible for the property? Would you agree we have a problem right of the bat?
2. What sort of Deal are you thinking of getting?
The person I spoke with yesterday said he would probably get first preference, the offer would be on top of the pile and he would get a better price for the property. Okay, picture this. I am representing you (The Buyer(s)) on my Listing. We put in an offer of $300,000. Another offer comes in for $350,000. Later that night, two more offers come in one for $365,000 and the other for $375,500. Now you want me to give you first preference – to be on top of the pile – to get you a better price on the property. How is this possible? If it did materialize I would obviously be breaking every rule in the book. A Real Estate broker who is representing both Buyer and Seller should work with extreme care. We owe a responsibility to you both. Like I mentioned the Agent will have a conflict with negotiation of Price and Terms between seller and buyer also could have conflict with the negotiation of Loan Amount and terms with Lender and Borrower. Why would you even want to get into a situation when there is absolutely no need for it. As a Dual Agent I cannot disclose to the seller that the buyer is willing pay more than the buyer’s written offer to purchase. As a Dual Agent I cannot disclose to the buyer that the seller will take less than what the buyer is offering without the express written consent of the party authorizing the disclosure.
3. Do you want my commission?
So you want $3500 – $4500 of my commission. Why. Why do that? If you have your own representation, a Realtor that will look out for you and only has your interests in mind not yours and the sellers, could easily get you closing costs and much much more. I have gotten closing costs for my clients of $10,000 – $16,000. Which is more important my $4500 of my commission or $10,000 – $16,000 or more in closing costs. Why shot yourself in the foot when you can get more from a Buyer’s agent (me) than an agent double ending a listing.
Anyone heard of the word “FIDUCIARY” I did, but did not realize its crutial importance until I became a Realtor. It has become the most important word in my CAREER. FIDUCIARY = Care, Obedience, Accounting, Loyalty, Disclosure. It is of the upmost importance that buyers should UNDERSTAND the limitations of the dual agency situation.
Dual Agency is not easy it is quite difficult. It can be a rocky road to travel and with the most liability to the agent. Dual Agency can work with competent agents but with complete Disclosure and Consent in writing given by buyers and sellers. It is so important that you get representation in todays market. There are alot of short-sales and foreclosures out there and this is the time to have it. PLEASE PLEASE get yourself 100% representation not 50%. There is no point in getting yourself into a situation that could cost you. Its a buyers paradise out there use it to your advantage.
Patrick Canavan
Realtor / EcoBroker
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