Go Beyond MLS » Real Estate Services

Featured Website: All Property Management

Vlad Zablotskyy — Mon, 13 Aug 2007 16:44:47 +0000

Whether you are planing to invest in a small multifamily property or in a retail or an office space, you may consider outsourcing property management tasks to a third party. But where can you find a property management team that you can trust? Your first resource can be your own Realtor, however you need to know that your Realtor may not be qualified to manage the investment property even though he or she may have successfully closed on hundreds of such properties.

If your are a serious real estate investor, All Property Management is one of those websites you should bookmark. The website allows you to quickly find property management teams across United States and Canada.

The website went live in 2004 and since then have attracted hundreds of real estate companies that offer real estate management.

Unlike many real estate related websites All Property Management is very simple and user friendly. From the very first moment you know exactly website has to offer:

Locating a property managers is a breeze, just select property type and zip code where your property is located and then click “Find Property Managers”:

Depending on your query, the results are produced in a form of a list of companies available in the area where your property is located.

Next to each listing a “Get Quote” button is located- clicking on it will bring you to a form where you are asked few simple questions about your property before the request is sent to a management company.

If you are representing a property management company listing your company with All Property Management may help you to generate leads for your business- for more information go to their About Page.

Disclaimer: The above is a sponsored post. If you would like us to write about your company or website you can purchase a review here.Similar Posts:

Know Your Ratio – Loan to Value and Debt to Income

Vlad Zablotskyy — Fri, 22 Jun 2007 04:38:53 +0000

By Andrea Carangelo

If you are thinking about refinancing a loan or requesting your private mortgage insurance (PMI) be removed, you should know your loan to value ratio.

It is easy to figure out using these steps:

If you will be applying for a loan:

1) Start with the purchase price of the property as the value for the property. (example: $150,000)

2) Subtract the amount of your down payment ($20,000).

3) Take the loan amount which will be the purchase price minus the down payment ($130,000)

4) Divide loan amount ($130,000) by the purchase price ($150,000=value). It would look like this: $130,000 divided by $150,000, which equals 0.87, or 87 percent=your ratio.

5) Use this number with your lender when referring to your loan.

Most loans with an LTV over 80 percent require PMI.

If You Already Have a Loan:

1) You should get an appraisal of your property. This is the only way to get an accurate assessment of its value. If you are just doing this so you are aware of your loan to value ratio, you can save the appraisal fee and estimate the value by comparing your property to similar homes in your neighborhood that have sold. This will be the value number for the equation

2) Look on your most recent loan statement to find out how much you owe (your balance). This will be the loan number for the equation.

3) Divide the loan figure by the value figure. This is your ratio.

If you are requesting the removal of PMI, you will have to get an appraisal. In removing PMI, you may request in writing to your current lender that the PMI be removed if the ratio is 80 percent or less. If you request an appraisal and the value is not high enough, you will still pay for the appraisal.

When you apply for a loan, mortgage loan or any other type of credit, Lenders use your debt to income ratio (how much you owe on credit cards and loans compared to how much you earn) to help evaluate your credit.

How You Can Figure Your Debt To Income Ratio:

1) Add up your total net monthly income. This includes your monthly wages and any overtime, commissions or bonuses that are guaranteed; plus alimony payments received, if applicable. If your income varies, figure the monthly average for the past two years. Include any money earned from any other additional income.

2) Add up your monthly debt. This includes all of your credit card bills, loan and mortgage payments. If you rent, be sure to include your rent payments.

3) Divide your total monthly debt by your total monthly income. This is your total debt to income ratio.

4) If your ratio is higher than 0.36, which professionals would call a score of 36. The lower the better. If the score is higher than 36 it might cause an increase in the interest rate or the down payment on a loan you apply for.

Remember:

When you total your monthly debts, use the minimum payment on your statements.
When calculating your income, a lender usually only considers money from a job that you have been at for at least two years.
Unreported earned income cannot be used in the calculation.

AC Associates helping individuals across the United States reach their financial goals. We offer a program to Home Owners on how to successfully sell their home by offering Owner Financing. Purchaser of Owner Financed Mortgage Notes, Deeds of Trust, Lawsuit Settlements, Life Insurance, Lottery/Contest Winnings and Seller Financed Business Notes.
http://www.acassociatesusa.com

Article Source: http://EzineArticles.com/?expert=Andrea_Carangelo
http://EzineArticles.com/?Know-Your-Ratio—Loan-to-Value-and-Debt-to-Income&id=609658

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A Web2.0 Approach To Real Estate: Hawaii Life

Vlad Zablotskyy — Fri, 01 Jun 2007 22:25:01 +0000

Searching for a property in Hawaii? Than you should consider take a closer look at Hawaii Life- a real estate search engine that maps properties in Hawaii MLS with the help of Google Maps. Any visitors can search for Hawaii Real Estate property, but there are benefits to register an account so you can save the properties you are interested in for the future review.

At the moment Hawaii Life offers your an opportunity to search for Kauai Real Estate and Big Island real estate. Hawaii Life is promising to also include Maui and Oahu real estate listings some time this months.

Hawaii Life provides a unique way for a potential buyer to find their home in Hawaii Real Estate Market. In the snapshot below you can see that after performing your search for the properties, hovering with the cursor over the property picture will match the location of the property on integrated Google map an vice versa, if you point your cursor to a property on the map it will match with the picture of the property on the right of your screen:

With just one click you can save the properties you are interested in for a later review or even if you need to find out more information about properties, send a request to Hawaii Life:

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House4Cell A Revolutionary Lead Generating Tool For Realtors

Vlad Zablotskyy — Mon, 28 May 2007 04:06:25 +0000

Named by the Illinois Realtor Magazine a Prower Tool and by the Realtor Magazine as â€œCool Toolâ€, House4Cell offers unique and revolutionary opportunity for real estate agents to deliver instant information on their listings, while capturing lead information.

The new tool is designed to provide prospective buyers with information about listings via â€œtext messagesâ€, a capability found on most cell phones. All that a prospective buyer needs to do is to send a 1-word code to a special number. Within seconds a text message is send to the buyers cell phone with property description along with several photos of the property, while the homebuyer’s number is captured and sent immediately to the agent for follow up.

At the present time the website offers following plans to real estate agents:

$29.99/month- this plan allows to send up to 3 listings at one time and offers 10 additional free inquiries.
$39.99/month- this plan allows to send up to 6 listings at one time and offers 20 additional free inquiries.
$49.99/month- this plan allows to send up to 10 listings at one time and offers 30 addition free inquiries.

Each additional inquiry, beyond what is included in a plan are just 20 cents. A one time charges $10 per code applies to all new orders.

The cost effectiveness of this tool speaks for itself. With the lowest plan, a real estate agent will pay $8 per one property delivered to a potential buyer which in turn can generate a valuable lead!

Homes4Cell was developed as a result of branching out of Cellit Mobile Marketing- a leading provider of mobile marketing solutions.Similar Posts:

New Virtual Tour Platform Launched

Vlad Zablotskyy — Thu, 17 May 2007 18:04:48 +0000

First Home Tour announced the launch of e new virtual tour platform. According to the press release announcing the launch of this new platform, the site will offer RealtorsÂ® a simplified and cost effective way to create, upload, and showcase available properties. One of the highlights of the website is that each virtual tool can be instantly uploaded to your local MLS, Realtor.com, Google.com, Trulia.com and many other sites at no additional cost.

Following are some of the advantages of First Home Tour compared to other virtual home tour companies:

Unlimited amount of tours
Add up to 40 pictures
Instant creation of an image gallery from your virtual tour so users have multiple ways of viewing your listing’s images!
Choose your own background music
Choose how long each image is displayed
Create Introductions and Conclusions that can be reused for any tour
Add Titles and Descriptions to your tour
Copyright your own images with a watermark so other’s cannot reuse your pictures
Brand your virtual tour into your own website so clients see your contact information!
24 Hour technical Support via Email

About First Home Tour:

First Home Tour is a subsidiary of Blue Stream Server, who has been providing valuable solutions in the Real Estate market for many years. Comprised of a team of Realtors and Programmers, First Home Tour dove into this project head first with the leadership from their President, James Goodale. The First Home Tour technical team will work directly with you to ensure the highest quality web experience possible.

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Are You Making 5 Most Common Mistakes in Refinancing?

Vlad Zablotskyy — Tue, 08 May 2007 16:42:45 +0000

Peak Home Loans announcing a limited time home refinance loan program for the people with less-than-perfect credit, listed 5 most common mistake people make when they refinance their homes:

Choosing a home loan lender for the wrong reason (i.e., the lowest rate, your existing lender.) People choose home loan lenders for all the wrong reasons. Getting a low rate is important, but it’s not the only consideration. Lenders may offer the lowest rate but charge extra fees (loan fees, origination fees, copy fees) so that in the end you’ll pay more for the refinanced home loan even though your rate may be lower. The only way to protect yourself is to wait for the Good-Faith Estimate which should list all the closing costs. Compare the Good-Faith Estimates from a number of home loan lenders. But comparing Good-Faith Estimates is not the only story when you want to refinance your home. If time is important, you want to choose a mortgage company that is capable of acting quickly. Ask each company to give you their average closing time for loans similar to yours. Ask around among your trusted friends. Find out who refinanced lately and ask them what they thought of the company. Don’t assume that your existing home loan lender is any better than a new lender. Since most home loans are sold in the secondary market, everyone has to meet certain criteria, and your existing lender will probably require the same documentation as a new lender. However, once you have a commitment from a new lender, it doesn’t hurt to ask your existing lender to beat it. Often times they will.
Not getting everything in writing about refinancing your home loan. Get everything in writing. No matter what the Loan Officer tells you, ask him to confirm it in writing. Don’t believe someone when they tell you that your refinance rate is guaranteed. Get it in writing.
Not knowing the appraised value of your home. Many people go ahead and try to refinance their home without knowing the true value. There are many places you can get an estimate of the true value of your home for purposes of refinancing. Many Realtor sites have home value estimators on their site. For the price of listening to a mortgage company try to sell you a mortgage, you can get an approximate value for your home. Check the recent sales in your neighborhood and try to find a comparable house in a comparable location. Or you can ask the appraiser to do a drive by and give you a verbal estimate of the value of your home. If it’s in the right ballpark, you can order a thorough appraisal. Know the value of your home before you seek to refinance your home loan.
Not doing the math when refinancing your home loan. Do the math. Refinancing your home has a cost. You need to see what the cost is, and then determine how long you are going to stay in your home. For example, if you are going to stay in your home for 5 more years, and the cost of refinancing your home is $5000, you need to save at least $1000 a year in order for the deal to make sense. If you only save $50 a month as a result of refinancing (that’s $600 a year), you’ll be loosing money.
Not considering a 2nd Mortgage. When you refinance your home, you are refinancing the total amount. Suppose you have a home that is now worth $400,000, and you only owe $250,000 on the home and you want to take out $50,000. If you refinance and take out $50,000 in cash your new loan may be for $310,000, ($250,000 owed + $50,000 cash out + a total refinance cost of 3% or $10,000). It may be better to take out a 2nd mortgage for $50,000 and pay a slightly higher interest rate and slightly higher points, but only have a basis of $50,000 instead of the $310,000.

Have you ever made these mistakes?Similar Posts:

Featured Website: BuyHomesOnTour.Com

Vlad Zablotskyy — Mon, 12 Mar 2007 03:37:52 +0000

Founders and creators of www.buyhomesontour.com have incorporated Google maps technology into their website to help buyers to find homes. According to a press release, the website offers real estate agents to list unlimited number of listings on Buy Homes on Tour for $19.99 a month. Low price comparing to other advertising avenues available for real estate agents and brokers to advertise their listings. While the website is currently features limited listings in Arizona, the idea is quiet brilliant and if it catches up, website can become a good place to advertise real estate properties.

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The Crossland Team- Austin TX Real Estate Professionals

Vlad Zablotskyy — Fri, 23 Feb 2007 06:11:12 +0000

The website of Steve and Sylvia Crossland, an Austin, TX Real Estate Brokers have cut our attention. If you are thinking to move to Austin, TX there no one more qualified than The Crossland Real Estate Team to help you find your new home.

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Both Steve and Sylvia had been practicing real estate in Austin since the late 1980s. Their background speaks for itself. Before entering Real Estate, Sylvia was a very successful Interior Designer in San Antonio and Austin. The Real Estate is a living tradition in Sylvia’s family. Her grandmother has built many of the vintage homes that are still stand in Austin. Steve has been active in Real Estate since 1985 and is a graduate of Texas in a Management Information Systems, which may explain their great website along with a blog (not too many real estate gents discovered power of blogging yet!)

On their website not only will you find great choice of Homes and Real Estate properties in Austin, but on their blog you will find an incredible amount of information when it comes to Austin Real Estate. The Crossland Team should be first to consider whether you need to sell your property, buy a new home or if you are thinking about real estate investments.Similar Posts:

Foxtons Tri-Stat Real Estate Agency

Vlad Zablotskyy — Sun, 24 Dec 2006 23:12:41 +0000

The Foxtons real estate agency have been in business since 2000. With it’s headquarters in Monmouth County, New Jersey, Faxtons within very short time have become a Tri-State phenomena, offering sellers to put their properties on the market for Commission of only 3%. While it was not a welcomed news to many well established real estate agencies in NJ, Foxtons quickly became very popular and generally a â€œfirstâ€ choice real estate agency in the state of New Jersey where most of the agencies ask for 4-6% commissions in order to list your property on the market.

Foxntons are one of the very few companies that offers a base salary to the new agents in addition to a company car as well as a personal computer. If you are considering a real estate career you may find more about career opportunities at Foxtons here.

Foxtons Real Estate Web Site Review.

Company’s website can be found at http://www.foxtons.com and it is probably one of the best real estate websites. When you arrive at their front(home) page of Foxtons website you have an option to chose one of the three states of the Tri-State area: New Jersey, Connecticut or New York. The navigation of the website is very clear and is straight to the point, you know right away that you are on a real estate website. The website provides helpful information to buyers and sellers alike. You can also find information about mortgages and real estate attorneys as well. The Foxtons website is indeeed a â€œone stop shopping destinationâ€.

If you have sold or bought property using Foxtons please tell us about your experience.Similar Posts:

Truth In Advertising for FSBO Sellers

Vlad Zablotskyy — Wed, 18 Oct 2006 20:03:04 +0000

By Raynor James

When selling your home for sale by owner, you will be handling your own marketing. This leads us to the issue of what you put in your marketing materials in relation to your home.

The real estate industry is somewhat like the used car industry when it comes to certain areas. Each is known for using terminology that could be considered to perhaps stretch the boundaries a bit. â€œNew paint jobâ€ in a car add can often be translated to â€œnew paint job because the car was damaged in an accident.â€ When it comes to real estate, a unique set of terminology also applies. â€œCozyâ€ is often a term interpreted as meaning small. â€œVery cozyâ€, of course, means a home that is basically two closets hammered together!

As a FSBO seller, you need to give some thought to the terminology you will use when marketing your property. I am not so much referring to legalities as I am to common sense truth in advertising. It is tempting to list the possibilities of a home despite the fact the property offers no such basis for doing so. Such phrases I often see are things like â€œpotential for viewâ€ without mentioning the buyer will need to add two stories to the property to get a sliver of a view! In my opinion, such advertising is a bad approach.

When marketing your property for sale, it is important that you be accurate. Yes, you can use terms that promote the strengths of the property. You should not use terms that are not based on how you use the home. If you have a two bedroom property in which you sleep in one bedroom and your child in the other, language regarding a home office, game room and such is probably misleading unless you have other rooms that specifically are being used for that purpose.

The problem with stretching the boundaries with your marketing has to do with expectations. If a potential buyer reads your ad and thinks it matches what they are after, they expect to see the attributes when they arrive. If they do not, they certainly will not be making an offer. This will lead to negative commentary among buyers regarding you and your home. You should never require a buyer to have a vision of the far reaching possibilities of a home.

As a FSBO seller, being accurate in your marketing materials is critical. Yes, you may get fewer buyers visiting your property, but you will get a better quality of buyer, to wit, a buyer more like to make an offer. At the end of the day, that is the point after all.

Raynor James is with FSBOAmerica.org – real estate articles on selling your own home.

Article Source: http://EzineArticles.com/?expert=Raynor_JamesSimilar Posts:

Century 21 Property Search Gold Beta

Vlad Zablotskyy — Wed, 27 Sep 2006 02:34:05 +0000

Century 21 has introduced new â€œgadgetâ€ to their website. Property Search Gold Beta still in testing is a combination of MLS and map technology. Microsoft Corporation is providing map data.

This new feature provides new and improved way to find a home. Century 21 warns their visitors that to have complete list of properties, the standard property search should be used.

Introducing new â€œgadgetsâ€ to Real Estate is not new. A week ago Coldwell Banker has introduced a feature that will notify â€œhome-huntersâ€ about new properties via RSS feed.

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FroSaleByOwner.com

Vlad Zablotskyy — Fri, 22 Sep 2006 17:37:30 +0000

ForSaleByOwner.com has been around since 1997. Headquartered in Manhattan, ForSaleByOwner.com is offering services all across the US and some parts of Canada. At ForSaleByOwner.com you can list your home, buy a new one, find mortgages, research neghborhood information and even get your property appraised.

According to Alexa ratings ForSaleByOwner.com has a flock of regular visitors. As with other site’s of this type it utilizes the â€œe-commerce hub modelâ€ site, a website that allows buyers and sellers to communicate directly with one another.

If you were to sell your home with ForSaleByOwner.com, you should expect to pay anywhere from $90 to S900 depending on package you choose. Also if you package includes MLS listing you will have to agree to pay a commission of about 3% to a real estate agent that brings a buyer.

Feed Back and Reviews.

ForSaleBuyOwner.com has provided easy way to communicate with them via 800 numbers, email and even live chat. There is no page where visitors can submit a review or feed back. There is no page that displays testimonials.

At Amazon.com there are currently 48 reviews, both positive and negative.

If you fee that information about ForSaleByOwner.com is incorrect please let us know. You may also submit your comments if you used their services in the past.

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For Sale By Owner- FSBO.com

Vlad Zablotskyy — Thu, 21 Sep 2006 18:05:24 +0000

FSBO.com is well known website that assists people to sell their property on their own. FSBO.com was established in 1994, while Alexa indicates that website went live in 1998. One of the biggest selling point of FSBO.com is the fact that many people may consider choosing their services in order to avoid paying commissions to real estate agents.

It is quiet easy to locate â€œfor saleâ€ properties using FSBO.com. All you need to do is to select City and State, and the website will bring back properties in that City and surrounding area. The down side of this search is that results are limited only the properties listed by FSBO.com and would not reflect market conditions in that particular area.

If you are planing to advertise your property with FSBO.com you should expect to be charged for their services some where from $70 to $500 depends on what â€œpackageâ€ you chose. In order to have you listing features in MLS systems, your bottom line can be $500+commission to selling broker (2.5-3.5%).

There are currently only two reviews about this website available at Amazon.com. If you feel that above information about this website is incorrect please send us your comments and we will gleadly correct all errors.Similar Posts:

Yahoo! Real Estate.

Vlad Zablotskyy — Wed, 20 Sep 2006 03:20:26 +0000

There is no doubt that Yahoo! Has taken Real Estate business to yet another level altogether. Combining the power of search industry with map technology can be very powerful for real estate.

If you never visited Yahoo! Real Estate before we recommend you to do so now. The amount of information you will find researching real estate properties is unmatched so far. After you submit a query for a particular property the results come back in a form of a map so you can see exact location of the property your are interested in. It is very easy with Yahoo! Real Estate to check out the local market conditions, where you can findÂ other valuable information.

Yahoo! Real Estate is revolutionizing the Real Estate business. Internet changes the way Realtors generate leads and even sales.

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