Greater Michigan Realty

The house payment is the largest ongoing bill in the budget of most homeowners. Financial advisors suggest a maximum of thirty-three percent of the households’ take home pay be budgeted for this monthly outlay; ideally house payments are left around 25%.

Tough financial periods are experienced by most of us at some point in our lives. During this challenging economic time even more people are fighting to maintain. Many already have lost their homes due to the financial struggles our country is facing. Those of you that have been affected by unplanned medical expenses, reduced income, unemployment or another economic distress, then you may want to try one of these ideas to make your mortgage payment lower.

If you have experienced a cut in pay one of most viable choices for you is a mortgage modification. In this process the homeowners’ representative gets in touch with the lender and discusses new terms for the mortgage to make it more affordable for the homeowner. This is a detailed and time consuming process that is best performed by experienced professionals. You may be tempted to attempt to get your mortgage payment lower via a mortgage modification by yourself but you will probably end up frustrated without having accomplished anything.

Another way to get a lower mortgage interest rate is the refinancing of your existing mortgage. Mortgage interest rates are especially reasonable at the time of this writing and are expected to stay so for several months. If you owed $200,000 a one percent drop would reduce your mortgage $250 a month. A $150,000 refinanced, with a one percent decrease in the interest rate, would put your mortgage payment lower by approximately $100. It will cost you some money upfront but if you shop around you should be able to minimize your application fees and closing costs. In addition the savings you will experience will pay for the cost of refinancing eventually. One should note that this method of making your mortgage payment lower is more practical for people who plan to live in their home long enough for the monthly savings to pay off.

Another option is downsizing, finding a smaller and less costly house. Sometimes you can find a less expensive home that matches the size of your existing house if you are amenable to living without some features or in a less prestigious neighborhood. You may have to perform some maintenance work or sprucing up but good deals can be found. Think about moving to a suburb if you are living close to the middle of a metropolitan area since land values are usually lower there.

Some folks have chosen to buy multi-family housing and live in a part of it while renting the rest. For example, a duplex would allow you to live in one side and rent the other which would help with the monthly loan payment. Once you have built some equity you could sell the duplex and move into a single family home. This option may be thought more an investment and, if the market is right, the rent you charge could lower your house payment.

The next method could sound contradictory, but is worth listing: Pay an additional amount on your loan every opportunity you get. Since any extra payments go straight toward your principal it reduces the total amount you owe. Because your mortgage insurance is determined by the principal you still owe, as you pay on your mortgage your insurance cost goes down. Another benefit to paying extra and always on time is that loan companies are more agreeable about working with you if you experience a financial difficulty and need to skip a payment or want to apply for a loan modification.

Most mortgages are thirty-year loans. Make sure your due diligence is comprehensive and you are receiving the best deal available regardless of which method you choose to make your mortgage payment lower. Choose wisely and you could be saving tens of thousands of dollars over the life of your mortgage.

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Land Surveyors are often called “professional measurer”. This is mostly because they are seen as professional individuals that hold a professional license for conducting surveys on properties, and developing contracts. They also deal with the physical and mathematical aspects of measuring, along with the legal laws of boundary. Hence, land surveyors must pass the registration examination, according to the rules of law. Thus, land surveyors and firms are still struggling to give modern technologies and techniques the means to make it to the top. go to town planner for more information

Land Surveyors are professional individuals that hold a professional license in order to conduct surveys on properties, and develop contracts. They also deal in the physical and mathematical aspect of measuring, along with the legal aspect of law boundary. Hence, land surveyors need to pass the registration examination, according to the rules of law. A licensed surveyor typically necessitates them to do plans and formats that show their name and registry number.

Surveying is the science of mapping relative positions and accurately determining the three-dimensional and terrestrial position of points in spaces with distances and angles therein.

These are often established on boundaries of ownership and maps from legal and technical documents. Surveying with the use of the elements of mathematics, law, engineering, geometry, physics and trigonometry is the common practice.

Historically, the earliest land surveyors were the Egyptians of the early 3,000 years B.C. The King divided the land along the Nile in quadrangles and amongst his people. Once he had this distributed, his people had to pay taxes for their land. When the floods came, the land was changed. Sending out land surveyors, the King instructed that they measure the boundaries, along with the corresponding adjusted taxes. Surveyors used a knotted rope, soaked in bees wax and began stretching it.

Nowadays, Surveyors use instruments with accuracy and precision. This would include the altimeter; which measures the height. The tape measure also determines shorter distances. The so-called theodolite on a tripod also measures horizontal and vertical angles. Hence, it is standard procedure to hold on to about one to one-hundredth of a foot, where in, about 1/8th inch of the achievement of the calculation and mapping tolerances.

By gathering information, using questionnaires, data analysis, observations, designing and planning, measurements and legal instruments, this certifies the boundaries and the utilization of a land area.

Surveyor services include:
• Property Legislation adviser
• Project Management and monitoring
• Undertaking pre-acquisition surveys
• Handling Planning applications
• Property Legislation adviser
• Planning Supervisor under CDM Regulations
• Building Surveys and measured surveys
• Defect investigation and maintenance adviser
• Construction design and building works
• Negotiating dilapidations
• Insurance assessment and claims assistance
• Building Inspection to ensure compliance with building regulations
Building Surveyors are also advised on all aspects of construction including:
• Planning design
• Refurbishment
• Maintenance
• Restoration, and
• Repairs.
Most of the clients of a town planning are the government departments, public and private organizations, local authorities that works with planners, tenants groups, architects and homeowners.

Professional competencies are now emerging within a land surveyor firm. Many organizations have come out with a new alternative of the modern technology that made them reach the top.

The Top 5 from the Top 400 Contractors for 2008 are as follows:

1. Fluor Corporation – Irving, Texas
2. Bechtel – San Francisco, California
3. KBR – Houston, Texas
4. The Turner Corporation – New York, N.Y
5. Kiewit Corporation – Omaha, Neb.

All companies are actually ranked by its construction revenues that earn millions of dollars with its subsidiaries. Land Surveyor firms help in confirming the correctness of these property corners and such legal boundary issues.

One of the popular Land Surveyors is the Cadastral land surveyors which are licensed by the government of United State. The Federal government also conducted Cadastral on surveys in order to define ownership and property rights, as well as to resolve disputes in boundaries of land, buildings and roads.

Surveyors play an important role to the construction projects in order to ensure effectiveness in managing contracts with clients. With the help of modern instruments, labor is reduced. At the same time, there will be an estimated increase in accuracy. This varies promptly due to the advancement of technology that aims to reduce errors on worked surveys. Hence, bringing new solutions that may suit ones needs. Engineering now depends on surveyors in order to meet great expectations in the future.

Thus, land Surveyors and firms have settled down with its own foundation. With this, surveying became an important factor in dealing with the major problems like land disputes in the real world. Visit town planning services for further information

Learning is the beginning of wealth. Learning is the beginning of health. Learning is the beginning of spirituality. Searching and learning is where the miracle process all begins, Jim Rohn. Go to Blue ridge real estate for further information.

Investing in property may seem like todays flavour of the month. However, due to the large amounts of money changing hands, it is not something that you should try without proper training and guidance.

When I first started investing in property, I spent a lot of man hours educating myself. I bought every single book on property that I could lay my hands on. I spent a lot of time and effort attending workshops and seminars. When I had become confident of my abilities, I ventured out and bought my first property.

Buying my first property did not mean that I could now stop learning about property investment. In fact, it was the exact opposite. I was now spending more time learning the different property investment strategies; I was attending more seminars and courses and reading specialised books on investing. Had I stopped learning after my first purchase I would not be a successful property investor today.

A couple of weeks ago, I did some research to see what courses were being offered to help people get into property investment. Quite frankly, I was shocked by the results. I found single day courses and workshops ranging from 500 pounds to 10,000s pounds. And, thats not all.

I even found several portfolio companies requesting 6 figure sums in return for an off the shelf property portfolio! Today, every other person appears to be offering a property investing course. How do you choose which one is right for you?

Firstly, my advice would be for you to not pay anyone to buy a property portfolio for you. If you want success in property, you need to understand at least the basics of property investing. Paying someone a truck load of money to buy a few properties for you will not give you this knowledge.

Attending property courses should by definition increase your knowledge of property investment. However, prior to parting with any money you need to address the following issues:

- What are the credentials of the course organiser? Is he/she a property investor himself and how much experience does he/she have? Refer to sims valley real estate for more information.

The best person to advise you on property investing would be someone who walks the talk – theres little to gain from a presenter who has never bought a property before.

- What are the course contents? Will advanced techniques be addressed?

Its the advanced techniques used by successful property investors that will set you apart from all those other wannabe property investors.

- How many people will be attending the course?

A course attended by hundreds of people may lack the personal touch, but will present networking opportunities to you.

- How much and how long is the course?

Paying several thousand pounds for a one day course is too much. You need to weigh up the cost, length and contents before making up your mind.

- Will I be given the opportunity to network with other attendees of the course?

The property business is a business of relationships. You need to network with others in the same business as you will not be able to do it alone.

- What is the location of the venue?

Is it worth travelling hundreds of miles to a course that may be offered closer to where you live?

- What support will be provided after completion of the course?

Course attendees quite often become unstuck after attending a course. You need to find out if any support is offered after you complete the course.

Only once you are satisfied with your answers to the above questions should you part with any cash.

Be warned though, attending a course by itself will not make you into a successful property investor. What will set you apart from any other attendee on the course is your level of motivation and determination to succeed in property investing. Visit north carolina real estate for more information.

Julie L Carper asks…

Does MLS benefit the consumer or harm the consumer? In my opinion, some of the MLS’s are mere unions not associations set to protect commissions and agent compensation. While many consumers don’t even know what MLS is or the purpose. Much of the data on the homes or sales is available through on-line county assessor information, except for sales stats, etc. Some companies are opting out of MLS, providing same service at lower cost. Any discussion? Or opinions out there?

Julie:

You are asking some excellent questions. First as a form of disclosure, I am NOT a broker or a realtor. However, my wife Denise is and she owns the largest flat fee real estate company in Michigan.

http://www.greatermichiganrealty.com

The MLS is not a club or union. The MLS is where the real estate community/professionals go to query properties for sale that match their buying clients needs/wants. So you are correct. Most consumers don’t know what a MLS is? Many think that the MLS is a website mls.com, which is of course not true. Many think the MLS is realtor.com, again not true. Many think they should be able to have access to this system, of course this isn’t true either. So, again, the MLS is a specific entity that serves the realtors/brokers and is paid for and supported by and for these licensed people. There is lots of data in the MLS systems that simply isn’t available to the public.

If you are trying to sell your property in Michigan, there are 2 distinct buyers that you are trying to attract – buyers without representation (FSBO) and buyers with representation (REALTOR). Roughly 10% of the property sold in Michigan is FSBO, the other 90% – you guessed it – there is a realtor involved.

FSBO (10% of the sales come from this demographic)
Usually go to the internet for research. Biggest website used – REALTOR.com. As a seller, you absolutely want to be on REALTOR.com. How do you get there? Can’t get there without working with a real estate company. ONLY MLS LISTED property goes into REALTOR.com.

REALTOR (90% of the sales come from this demographic)
Usually go to their MLS for research. As a seller, you should want to attract the realtor with buyers and you should pay these folks a commission if he/she brings you a buyer. This commission is negotiable, but is usually 3%.

Question to ask yourself
If a realtor was to knock on your FSBO door and ask you if you are willing to pay them 3% if they bring you a buyer, what would your answer be? I know – it depends on the offer. But let’s say the realtor was to bring you an offer at your asking price with no contingencies, then what would your answer be?

If NO. Then FSBO is for you, forget the realtor community. Stick with your FSBO plan of open houses, flyers, word of mouth, websites, etc. Don’t worry about the MLS or REALTOR.com. You are not able to participate in these marketing programs and even if you were to participate, it comes with the realtor commissions that you are unwilling to pay.

If YES. Then continue to read below.

So, as a seller how do you attract both groups AND minimize your selling fees AND get onto REALTOR.com?

Answer – EXCLUSIVE AGENCY (EA) LIMITED SERVICE CONTRACTS versus EXCLUSIVE RIGHT TO SELL(ERTS).

With a EA type of listing, you are in the MLS, you are in REALTOR.com, you retain the right to sell the house on your own, and finally you go on record with the real estate community that if they bring you a buyer – you will pay them, again usually 3%.

Sales Pitch
How do you find a broker that will do EA contracts? There aren’t many in Michigan. I would recommend Greater Michigan Realty. http://www.greatermichiganrealty.com

I hope this helps and I sincerely wish you the best of luck.

Gary Moody
Supporting Husband / Webmaster
www.greatermichiganrealty.com

Always make sure you have looked into cheap home insurance. House Development for beginners was never an easy task. There are numerous companies that sell properties for those who are just starting but the big question will depend on how trustworthy these companies are to help you sort out your goods. Can you entrust these companies with your money and pray that they won’t leave you bankrupt? If you are a beginner, here are five important tips you can follow. These tips will help you figuring out what to do and what to look for when considering the purchase of a specific property from individuals or companies.

Tip 1 – Background check

One of the most important things to look out for in a company is to check if they have a good background record. Many of these companies sprung up just years ago therefore it is quite difficult to determine their status. However, not because certain companies are new in the industry doesn’t mean that it will hinder your attempt.

Research on their status, search for testimonials, talk to those who have successfully made business with the company and ask of their performance. Above all, you have to check if the company’s financially sound and stable. You can asses for general information of the company through the web and other resources.

Tip 2 – Expect for Positive Cash Flow

There are companies involved in selling that are good in selling something that is already there. You have to keep an eye on companies like these. You have to know if the property being sold to you will bring profit each month or will it be just another headache.

You have to demand concrete proof from the company. Don’t easily agree and sign on that contract just because of the promises of sales talk. Do your own research of the company and not ask for the person’s opinion about it. It is of utmost importance that your decision will depend on the diligence that you invest.

Tip 3 – Asses the area

Before agreeing on the deal, make sure that the area you are about to purchase is a good property. As a beginner, you have to stick to the areas that have good reputation. Areas that have the best reputations are those that don’t financially stack up and rents don’t cover the mortgage. Therefore you have to go with the properties having a very convenient site and figures just don’t stack up. You have to be very careful with individuals and companies wanting to sell properties in specific locations that aren’t fit for ‘safe’ living.

Some of these areas have histories of crime, death, drugs, etc. These properties are fine but for beginners, these pose risks. At the meantime, you have to say a big ‘NO’ with these kinds of offers until you have fully developed yourself in estimating your experiences.

Tip 4 – Property affordability

Don’t just say yes because you loved the property, it’s unwise. You have to consider first if it’s affordable. There are companies who specialize in making people want to buy their offer, especially for the beginners. Some companies or individuals will deceive you into thinking that what you are purchasing has no strings attached but then again you will finally realize that you have paid for a nice piece of property that you cannot afford.

Companies and some individuals have their way of luring beginners into a false bargain. Be particular with your decisions. Sometimes, these wonderful House Development offers can turn out into worst case scenarios.

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Selecting a home mortgage company comes down to a lot more than simply which offers the lowest rate. It’s about reliability, dependability, customer service and personalized treatment. To learn more about how to choose a home mortgage company that will give you the customer service you desire, keep reading.

One Client, One Officer

When looking for a home mortgage company, try to find a lender that provides you with one loan officer who will guide you through the entire mortgage application process.

Some lenders bat you around from employee to employee as you deal with everyone from underwriters to risk assessment professionals. Ideally, you want the personalized and customized service of having a single loan officer and contact person handling your loan application process.

Closing Guarantee

A good lending institution will offer what’s called a closing guarantee in some form. Most of the major national banks offer closing guarantees that commit their clients will obtain financing and close their deal within 30 days.

A fast and efficient close means you don’t have to be concerned about losing the purchase of your dream home because your financing didn’t come through in time.

Hours and Customer Service

Is your potential lender a large company with good hours, helpful telephone support and excellent customer service, or rather is your lender a small, fly-by-night operation with a home office and a single receptionist answering calls?

Look for a lender that has good hours, quality customer service and ongoing, helpful support. Remember, you’ll be dealing with this lender, or whoever they sell your loan to, for about 30 years. You need to get along well with them.

Low Closing Costs

A mortgage lender might woo you over with a .05% lower interest rate, but have you looked at the associated application fees and closing costs? Sometimes, a lower rate doesn’t always mean a better deal.

Ask a potential lender to provide you with a full breakdown of your proposed mortgage, including an amortization table that tells you how much you’ll pay in interest over the term of the loan. Then compare that with other lenders, alongside the total closing costs and application fees. Sometimes, that low-interest deal isn’t as great as you may have been led to believe.

Pre-Payment Penalties

Finally, before you sign with a lender, make sure you won’t be stuck with pre-payment penalties if you decide to make extra payments on the principal of your loan. If there are penalties, check to see if they have an expiry date.

The Home Mortgage Disclosure Act was enacted in 1975 by Congress and then implemented by the Federal Reserve Board. Essentially, the act requires mortgage lenders to report public loan data. For answers to some frequently asked questions about the Home Mortgage Disclosure Act, keep reading.

Why do Mortgage Lenders Have to Report Loan Data?

First, the purpose is to make sure that financial institutions and mortgage lenders are serving the changing housing needs of their community. Second, it helps public officials can see where public-sector investments are needed. Third, enforcement can identify potentially discriminatory lending practices and patterns related to mortgages.

Finally, this data allows financial analysts, government economists and others to obtain statistics on loan data, housing sales, and mortgage interest rates that are very specific to each geographical area.

Do I Have to Give a Lender My Ethnicity, Race or Sex?

No, you can decline to provide that information, whether you’re applying on the phone, over the Internet or even in person. While that information helps the government recognize lending patterns and practices, it’s your choice whether you wish to volunteer that information to your mortgage lender.

How Can the HMDA (Home Mortgage Disclosure Act) Expose Discrimination?

If a lender continually turns down an unreasonably high number of applicants of certain races, ethnicities or gender, then there may be reason to suspect this lender is discriminating against this particular group of people. Whether it’s an institutional decision or an unintentional, subtle discrimination, it’s still illegal in the United States.

Another way the HMDA can expose discrimination is to look at where the applications are coming from as well as where they’re being approved. If one neighborhood is not receiving any financing, the institution may be practicing what’s called redlining – that is, when a bank or financial institution denies services to one particular neighborhood, typically an inner-city neighborhood.

Finally, if there’s a disproportionately low number of applicants from a variety of races, ethnicities and gender, then the lending institution may be discriminating by actively discouraging these borrowers from applying for a loan.

Do Second Mortgages Need to be Reported As Well?

Yes, all refinancing, second mortgages and any loans based on the equity of a home are reported. However, home equity lines of credit do not need to be reported.

As a Consumer, Do I Need to Do Anything?

Typically, no. The responsibility of coding HMDA (Home Mortgage Disclosure Act) data and submitting it belongs to the lending institution.

A residential area where security of those living within is ensured with guardhouses, electronic gadgets, gates and movement restriction for outsiders is referred to as a gated golf community- these places also offer a lot of amenities to add comfort to the lives of the members. In the past such high security was preferred by the media moguls, celebrities and industry barons, but now you will find people here who do not belong to those categories – they are attracted by the exclusive nature of these communities and the high lifestyle they offer. Matching the increasing demand, today you will find many such communities coming across all over the US.

And the number of people who have opted to live in these places have already crossed the 8 million mark since 2000, and that too just in the US. Here’s another startling data – did you know that 1 out of every 8 Americans today live in such a place? Most often, these communities revolve around a particular hobby or activity, but it seems that golf has become a hot priority among them in recent times. They have become prime real estate properties because of their high asset value and amenities offered and have thus attracted the attention of some of the biggest property developers. These are well maintained as well because the local Homeowner’s Association and the residents and owners are often responsible for this.

At a gated golf community you will often come across people teeing off completely relaxed, because they know that their privacy and security is in good hands. There are walls or fences and the movement within is severely restricted for outsiders. To gain access, you will need to produce an electronic ID card and thus there are no embarrassing questions asked and there is no question of the members being frisked. Since they offer such high standards of living and security too, these communities naturally come at a price.

But contrary to popular belief, gated retirement communities today attract not only the very rich but also the retirees, newly married couples and even families with young children who come here just to relax or engage themselves in some of the activities. Usually you will find a golf course close to a gated golf community and the homes are extremely luxurious too – the presence of well maintained roads, community areas such as parks, manicured lawns and postal facilities make them great places.

Golf lovers love a gated private community, but there’s plenty for others here as well. For you there’s horse riding, tennis, swimming, fishing and billiards from which you can take your pick. However there are many who just want to relax and this is a great option too considering the greenery all around and the complete peace.

As a soon-to-be home seller, you should be aware of the kinds of listing contracts that are available. Listing contracts refer to the agreement between you and a professional real estate broker. This agreement gives the real estate broker the directive to represent you in the process of selling your home. There are four main forms of listing contracts;

• Exclusive right to sell listing: This contract gives your real estate broker a free rein. In other words, the real estate broker is permitted to do whatever it takes to sell your home. In this case, the broker is not limited in any way and can utilize a number of marketing strategies to attain the successful sale of your home.

• Exclusive agency listing: An exclusive agency listing limits the broker because the right to sell your home is given to you. In this case, the broker does not obtain any commission because you just handle the sale of the house from start to finish. This listing is much preferred by home sellers because it affords them the free hand to line their wallets with a little bit of extra cash.

• One time show: This involves the broker being enlisted to sell your home through home showings. As the term implies, the home is showed off to soon-to-be home shoppers only once. This form of listing limits the broker from trying out other marketing strategies that may prove more effective than a home show. You will also need to pay the broker a commission after the house is sold off.

• Open listing: This is very much akin to the one time show listing except that the house is shown off several times until it is acquired. The decision about which is listing to select is yours and should be done with the size of your pockets in mind.

To successfully sell your home, you must be skilled in the art of negotiation. Negotiating with a prospective home owner is a necessary part of home selling. Don’t ignore this important step while attempting to sell your house. You will understand how important this is when you do it.

Your involvement in selling your home can be minimized if you hire the services of a real estate agent. You can decide to have the knowledge of real estate sales tucked under your belt by getting involved in the process of selling your home. Selling your home can be an exciting process depending on how informative you are.

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According to some experts, if you want to be rich, you should try Real Estate investing. Many individuals today are living in the peak of wealth because of Real Estate business. Anyone can access Real Estate investing and all it takes is a bit of knowledge.

Even if you’re new in the Real Estate business, you already have the basic knowledge of how things work. Perhaps you were once a renter before you became a homeowner. You knew how it felt to be a renter or a homeowner. You can use this knowledge as you enter the Real Estate business.

Take this very good example purchase several houses and have them rented. In about 30 years, you have already paid off the mortgages. The value of your property has already doubled by this time and not only that, the rental rates are already doubled. Another advantage is that you don’t have any loan payment.

Are you now inspired? That is just the classic model of Real Estate investing. Now what if you have ten properties worth $80,000 (thirty years ago) and at present, it’s already worth $350,000 each. The yearly appreciation rate may be at least 5%. So now you have a $3,500,000 portfolio. The lowest possible rental rate today is $1,200; multiplied by ten will give you $12,000 gross rents every month. After the T&I are deducted, you now have about $9,000.

Everything may sound easy. But in reality, when you first purchase properties, the succeeding years can be very tough. Why? Your expenses in the beginning are really high and you get slim cash flow. Many investors can’t survive this stage because they don’t have enough cash to pay for the high expenses.

There is a short term solution. You should not concentrate on merely buying properties and instead focus on quick-turning houses. You can turn the houses into instant cash. Pick the quick-turning houses and flip them to other investors for $5,000 to $20,000. Your cash flow needs will surely be met and you get to maintain the rental properties.

Management is the key to your success. If you plan to hold properties over the long term, you should know how to properly manage them. You can manage them on your own or you can have a company manage it on your behalf. You will be both a landlord and a Real Estate investor.

Although some people don’t like the image of landlords, you can be a better one. Besides, the rental properties provide you big dollars. You should concentrate in buying several properties and not single-family houses. Apartments are a great investment and you will earn more if you purchase apartments. If you’re ready to take the job as a landlord and a Real Estate investor, you can look forward to a bright and fruitful future. If you can survive the early stages of your business, you will reap big profits in the future.

The choice is yours. Now that you have an idea of how much you can earn in Real Estate investing, don’t you think its time that give it a try? Gather capital and study the market. Consult experts so that all your decisions ad actions are guided. If you have the guts and knowledge, being in the Real Estate business will definitely give you big money in the coming years.

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