February 10, 2012

Where can I get a low mortgage rate? 911 Loan needed for new home purchase!!!?

home mortgage loan rate
Chubbymom asked:




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The Single Best Real Estate Marketing Tip

Want a real estate marketing tip?

Use real world client testimonials.

Adding testimonials can add credibility to a real estate marketing program. When the testimonial comes from a known source, like a neighbor, that power increases tenfold. So how do you go about using testimonials?

An easy but effective formula:

  1. Place a testimonial at the top of your piece, in headline fashion.
  2. Followed up with your message, giving specifics of the transaction — the number of interested buyers that came through, the time it took to get a contract. (Or other relevant data from a buyer agent transaction).
  3. Then offer to help the reader in the same way.
  4. End with your offer and call-to-action.

Create a testimonial “harvesting” system:

The easier your testimonial gathering system is, the more likely you’ll do it on a regular basis. Put something down on paper. Map it out. Make it a point to solicit a testimonial from each client X-number of days after the transaction.

Follow your timeline consistently. And be sure you make it clear how you will use the testimonial (simply by using the phrase “in my marketing efforts”).

Use your client’s full name and address whenever possible. When you write a testimonial-request email or letter (or call them on the phone), ask if you can include their full name and address. Explain that it makes the testimonial more believable than something signed by “R. P. from Houston.”

For example, if you lived at 344 Elm Street, Houston, TX, which of the following testimonials would capture more of your attention:

One signed by J. Riley, Houston, TX?

Or one signed by John and Beth Riley, 357 Elm Street, Houston, TX?

Send thank-you cards or a small gift to testimonial providers. This will boost your referral rate. Besides, it’s just plain nice (and there’s plenty of room for nice in today’s business world).

Use the complete testimonial:

Open your newspaper up to the movies section and you’ll see testimonials that look like this:

“…great…”

“…superb…”

“…astounding…”

Besides the fact that these snippets are worthless, what’s the first thing they bring to mind? If you’re like me, you might say they look like they’ve been taken out of context by a tricky writer. Use the full testimonial, or at least the full sections that are most applicable.

Testimonials carry more power than anything you might say about yourself. Create a simple harvesting system and follow it consistently. Be honest about your intentions. Send a thank-you card or small gift.

Brandon Cornett has worked as a writer and advertising manager within the direct mail industry. He now dedicates his time to helping agents and brokers improve their marketing.  Download his “Modern Guide to Real Estate Marketing” .

whats is the best mortgage rate for a home loan?

home mortgage loan rate
pataboy12000 asked:




Question posted courtesy of: Caffeinated Content for WordPress

Home Buyer’s Checklist: Everything You Need to Know–but Forget to Ask–Before You Buy a Home

Home Buyer’s Checklist: Everything You Need to Know–but Forget to Ask–Before You Buy a Home is a step-by-step, guide that shows you exactly how to “precheck” a house before you make an offer. It is a list of things you will need to know/ask before buying a house. It is also useful for first time buyers who have never bought a house before and do not want to be caught in a bad situation.

Home loan rates and refinancing

Home loan interest rates vary  from state to state, and depend on the credit rating of the borrower and the type of loan that is being sought.  Anyone interested in financing for a home should do some research. Of course, the best rates will be available for the person whose credit rating is high. Loans are even available for the person who has had credit problems such as bankruptcy in their history. However, someone with a bad credit history will not be able to get a good rate on his home loan. There is generally a price to pay for that kind of misstep, and higher payments on any kind of credit is part of it.

Home loan refinancing has no real standards and costs can vary substantially between lenders. The best place to start the search for home loans refinancing is with the lender that holds the existing mortgage. Most lenders would rather have the borrower refinance with them, than lose out on the opportunity to gain money through the early, higher interest rate payments. The market is very competitive and lenders will compete through the use of interest rates for the borrower’s business. Most borrowers have access to multiple refinance sources and can usually pick and choose their home refinance home loan lender.

10 Minute Guide to Buying and Selling Your Home (10 Minute Guides)

10 Minute Guide to Buying and Selling Your Home (10 Minute Guides) is an outdated book, but still very informative.  If you need some general quick home buying and selling advice, this book might be what you need.

Looking to find lowest refinance home mortgage rates?

home mortgage loan rate
TJR asked:

I’m looking for a better home loan mortgage rate than I currently have with my bank. So I am seriously considering refinancing. Does anyone know where I can currently check for the lowest refinance home mortgage rates?


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Combine and Conquer

Last fall, Mr. Trump sold the last three remaining apartments atop his glass-walled Trump World Tower, a k a 845 United Nations Plaza for $34.3 million.

These units provided a combined total of 16,000 square feet of space with 16-foot high ceilings and striking views from the entire 89th floor and part of the 90th floor of the building. (That is 90 stories according to the elevator buttons, and 70 stories according to the Department of Buildings.)

Read The Full Article Here

Mortgage vs. Home Equity Loan?

home mortgage loan rate
njxc6 asked:

My father and his two brothers were gifted my grandfather’s house when he passed away. i told my father i would like to take the house from them so he moved the house from my grandfather’s trust to my name. in return i need to pay them for the house. however, because i will now already own the house, can i still get a mortgage to pay them or can i only get a home equity loan?

i ask because mortgage rates seem much lower than loan rates. are there any other options?

Avoiding Problems with Home Owners Associations

The purpose of a home owners association is to keep up and manage the neighborhood including public parks, roads, and pools. If you live in a community with a homeowners association, you are obligated to pay dues – which can be anything from $100 to $10,000 a year, depending on the neighborhood and its amenities.

Homeowners are also obligated to live by the association’s rule book, also known as covenants, conditions and restrictions (CC&Rs). An elected, volunteer board of directors is responsible for enforcing these rules.

The regulations vary widely but typically cover such things as the color of your house, the kinds of trees you may plant, where you can park your car and whether you can rent out your home.

In some neighborhoods, homeowners have faced fines for such offenses as flying the American flag, decorating for unapproved holidays or putting the wrong color curtains in their windows.

Homeowners associations even have the right to foreclose on those who fail to pay their association dues.

According to a study by Sentinel Fair House, a fair housing group in California, associations were responsible for 18 percent of all foreclosure actions in five counties they studied over a 12-month period. All told, associations foreclosed on about 70 houses in five counties for amounts of less than $2,500 – including legal fees.

Before you purchase a house, spend some time researching the home owners association. Learn about their rules, conditions, and restrictions. Finally, learn if there has been any complaints filed against the home owners association.