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Foreclose Property Home Buying Process When searching for a new home, it’s possible that you might come across a foreclosed property. Before deciding to purchase a foreclosed property, there are a few things to consider first. Types of foreclosure Foreclosure happens when a homeowner is no longer able to make mortgage payments and is forced to leave the home in the possession of the bank. There are four different forms of foreclosure. Pre-foreclosure: Also referred to as a short sale, this occurs when a homeowner still owns the home and knows that foreclosure is a possibility. It can be considered...
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Pests and Rodents in the Home Before you buy a home, you should always check for signs of pests and rodents. Here’s what you should look for. Rodents Besides the obvious factor of not wanting to have mice and rats in your home, there are many reasons why you shouldn’t want rodents in your home. Firstly, they spread ticks and fleas. Rats spread diseases. Finally, both leave droppings. Finding evidence of rodents can be especially difficult since they are nocturnal animals. This means that it would be difficult to see them during a showing or to hear scratching noises from...
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What a home inspector can't check Before you purchase a home, a home inspection is a necessary step to make sure your home is in tip-top shape. However, not everything that should be checked can be done by a home inspector. Here are the top things that you’ll need to get another professional to check to ensure your home is great shape. Electrical outlets behind heavy furniture While you won’t have to get another professional to come check this out, but a home inspector won’t move any furniture to look behind them. Before your inspector comes out, make sure any...
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What to ask a potential roommate If you’re thinking of getting a roommate, there are some things you should consider before having them sign onto the lease. Before someone moves in, sit down with them and ask some questions about their lifestyle to see if it meshes well with yours. Here are some questions to ask a potential roommate. What is your daily routine? This is an important question to ask. This will give you a basic idea of how your possible future roommate makes their way through the day. Are you a morning or night person? People who are...
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Buyer's Market A buyer’s market happens when the housing market favors the home buyers. This occurs when home prices are low and there are more homes available on the market. Most real estate agents and analysts use a six-month scale as their base level for determining where the housing market is. That is, if most homes have taken more than six months to sell, then it is a buyer’s market. What causes a buyer’s market? There are several reasons the housing market may switch to a buyer’s market. Firstly, when there is the construction of new homes, without ensuring that...
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Bidding Wars A bidding war occurs when two or more buyers are interested in a home and continue to make higher offers they are willing to pay for the property. This is usually fast-paced, meaning buyers will have to make less thought out decisions. While bidding wars may be the dream for a seller, they can often lead to buyer’s remorse. As such, be sure that you really want a home before you continuously put in more bids. Bidding wars are exceedingly common in a seller’s market. How to win a bidding war Price is important, but not everything Price...
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Moving from the City to the Suburbs Many people decide at some point in their lives to move from the city into the suburbs. No matter the deciding factor for the move, there are a few things to consider before you pack your bags. How well does the suburbs fit your needs? Before you move, make sure it’s the right move. Research the surrounding suburban areas to see which is the best fit for you. You should consider the quality of healthcare, any nearby schools, and the cost of living. After doing an online research session, visit the neighborhood and...
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Loft Apartments When searching for a new place to live in, you’re probably going to come across many different types of spaces. One of the places you might find is a loft apartment. The definition of loft can vary depending on the region you are looking; however, it is most commonly used to describe one type of apartment. Most common usage of “loft” A loft apartment is most commonly defined as a large, open space. The space generally does not have any internal walls, with the exception of the bathroom. These apartments are usually in buildings previously used for commercial...
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Selling a Home with More Than One Mortgage Selling a home with two mortgages is very similar to selling a house with one. However, to make your sure you make your home sale a regular sale, as opposed to a short sale, your home must be worth more than the total of the mortgages. To do this, you need to create a strategy with your agent that will generate enough income to cover both liens (with hopefully enough left over that you turn a profit on the sale). While most second mortgages may be designed differently than a first mortgage,...
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Is a basement included in the overall square footage of a home? When researching new homes or you are about to put your home on the market, there are a lot of things that you should know. One thing that you should be aware of is what is and isn’t included in the square footage of your home. Something that typically isn’t included in the square footage of a basement. Basements and your home’s square footage A finished basement is not typically included in the overall square footage of your home. This is especially true if the basement is completely below...
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