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Thursday, October 19, 2006

Should I Buy Now or Wait---Maybe Prices Will Drop?

The correct answer is buy when the timing is right for you instead of trying to time the market. Here's why. Money is cheap today. Do you feel interest rates are going to go up?
David Lereah, NAR´s chief economist, said mortgage interest rates are trending up but will remain favorable. He expects the 30-year fixed-rate mortgage to rise to 6.9 percent by the end of the year. - RISMEDIA.com, April 12, 2006.

I also believe the answer is yes, so don't make a decision about buying your home simply based on the price of the home. Look at several things including interest rates, tax benefits of owning your home and your abilities to make the payments. Look at the big picture.

Here is an example using basic figures without looking at the complications or benefits of taxes.

You buy a home and have a loan balance of $400,000 at 6%. Your monthly payment is about $2398. You wait a few months or a year or two for home prices to decline 5% making the sales price become $380,000 and you pay 7% interest. Your monthly payment is about $2528. You're already behind on your monthly payment by $200. You wait for home prices to decline 10% making the sales price become $360,000 and you pay 7%. Your monthly payment is about $2395...almost where you would be today if you bought at $400,000. Now it may be true that no one can predict where interest rates will eventually go but the safe bet is that they will rise rather than retreat considering today's market rates.
How much did you pay in rent in the meantime and what were the tax benefits that you missed out on? I'll be happy to help you get educated about your goal and when you're ready to buy your home, you'll be much more prepared to make the right decisions. I'm here to help.
Visit my website for access to mortage calculators and reports on various mortgages and how they can influence the way homes are purchased at http://www.alan-realtor.com. You can also shop mortgage rates and even start a pre-approval process by clicking on the COLDWELL BANKER MORTGAGE ICON. Your comments are always welcomed and appreciated. SeeYou..........

 

Saturday, October 14, 2006

Website Gains Accolades

I was recently informed that my website http://www.alan-realtor.com was awarded the distinction of one of the Top 100 Real Estate Websites in Louisiana by the RE Pros organization. Real Estate Pros screens website submissions to determine the quality and quantity of information offered which best serves the public interest in the area of Real Estate. Thousands of sites are submitted, however, only 100 are awarded placement on the company's website. You can check out the entire list at http://www.realestatepros.org/top100/.

I am very happy and honored to have my real estate site designated in the Top 100 in the State of Louisiana. It is always a rewarding experience to know that the time and effort put into the design, content and daily updating of the site is worth the effort. I strive to offer the very best of current information pertaining to my market area as well as articles, reports, tips, and more in a format which is easily navigable by clients while always keeping in mind " what is in it for the client" rather than the site being " what's in it for me".

I invite you to visit my site at http://www.alan-realtor.com or my alternative domain can be found at http://www.mandevilleagent.com and evaluate the site yourself. If you think it deserves the recognition it has been awarded let me know. If you would like to see the site improved in some fashion I would like to hear about that as well. Your comments are always welcome. SeeYou...

 

Tuesday, October 10, 2006

It's All About Family

Every year around this time, the kids start getting excited about the kickoff of the holiday season. First they'll get to celebrate Halloween by going door-to-door in costume gathering candy. Then before you know it, Thanksgiving, Christmas, Hanukkah, Kwanza and New Years will be upon us. Looking for ways to make this holiday season meaningful?

The key to success is taking the time to come up with things you can do together as a family. An activity sure to make an impression on everyone is working on holiday-themed arts and crafts projects together. Rather than going out and buying decorations -- which anyone can do -- think about how much fun, and meaningful it will be to make them instead. This time of year, stores across the country are fully stocked with the materials needed to make just about any holiday decoration you can imagine. For Halloween, there are artificial pumpkins you can carve into reusable Jack-o-lanterns, all the materials you need to make a holiday-themed centerpiece, and easy-to-use foam craft kits that allow even the little ones to construct 3-dimensional haunted houses, scary skeletons or even witches on broomsticks.

Here's another project the entire family would enjoy doing, a "Mummy Pumpkin". The materials you need are: Medium white pumpkin, cheesecloth, brown, white, red and black acrylic paint, gel medium, scissors, a paintbrush, a ruler, disposable plates, paper towels and a container of water. Instructions: Cut strips of cheesecloth, each about 3-inches wide. Apply strips to the pumpkin by wrapping with Gel Medium. Be sure to leave an open space for the eyes and mouth. Let dry. Paint the eyes and mouth with acrylic paints as desired. Use a small amount of water to thin brown paint and dry crush over pumpkin. Let dry.

Once Halloween has passed, turn your attention to Christmas. Among the more popular projects are wreaths and ornaments, gingerbread houses and snowmen, even personalized gift tags. Many of the projects are so simple, the little ones can do them either on their own or with minimal assistance. Here are the instructions for making a Reindeer Ornament: Materials: A reindeer pattern (which you can download from the Michaels Web site (www.michaels.com), a plastic snap together ball, brown craft foam, brown and tan felt squares, a small red jingle bell, oval wiggle eyes, 1/2 yard of green ribbon, craft glue, scissors and a black permanent marker. Instructions: Using patterns (or free-hand draw if desired), cut two antlers from the brown craft foam, two ears from brown felt and hair from tan felt. Glue the antlers, ears and hair to the plastic shell. Glue the wiggle eyes and red jingle bell nose in place. Use the marker to draw a mouth and eyelashes. Tie ribbon into a bow and glue to the bottom of the ball.

Have some fun with the family and remember to visit my website at http://www.alan-realtor.com for the latest and greatest real estate info on the Northshore. Your comments are always welcomed and appreciated. SeeYou......

 

Monday, October 02, 2006

Overpricing Your Home--"The Cardinal Sin"

Many people believe that the starting listing price for a house isn’t important because it can always be adjusted later. However, overpricing your house could prove to hurt your chances of selling. Agents show clients houses in similar price ranges and yours could be passed over as not as attractive as the other houses at the same price. Agents also pay the most attention to new listings. New listings are on the “hot” sheet circulated in real estate offices, and a properly priced house from the beginning will get the most attention.

You might want to set a high selling price with the intent of negotiating, but buyers do not initially think about how much you are willing to negotiate, but rather, they are comparing your asking price to other asking prices. Lowering your price after your house has been on the market for a while will likely get unnoticed by agents because your listing will not be moved back into the new listing cycle. This could ultimately lead to receiving lowball offers and you could sell for less than if you had priced the home correctly in the first place.

Ultimately, starting out with the right price for your house should lead to a higher selling price than if you had started with a higher asking price. I welcome your comments please feel free to post a reply. Please remember to visit my website at http://www.alan-realtor.com for the latest and greatest info on real estate. SeeYou......

 

Sunday, October 01, 2006

Make A Soldier Happy

Just came across this website, LetsSayThanks.com. You can send a free postcard to a US soldier overseas thanking them for their service. And, it’s free.
The postcards are designed by children ages 6-14. So, if you have a child, or work with children, consider creating and submitting designs to give the children a fun project. Xerox Corporation is printing and mailing the cards.
It only takes a minute to send a card - choose a design, choose one of the prepared messages, or write one of your own, click Submit, and you’re done! You aren’t required to provide any personal contact information.
A letter from home when you’re far away can be a big morale booster. Send a card today - and tell your friends! Don't forget to visit my website for the latest and greatest info on real estate at http://www.alan-realtor.com SeeYou!

 

Sunday, September 17, 2006

How to choose a real estate agent

How to choose a real estate agent
By Sylvia Booth Hubbard • Bankrate.com


The decision to buy or sell a home is one of the most important financial decisions most people make, yet many give little thought to finding the real estate agent best suited to their needs.
Agents are often chosen solely on the recommendation of a friend or an ad in the newspaper. But choosing the right agent can save you time, effort and aggravation in finding the perfect home at a price you can afford or selling your home quickly for top dollar.

"Real estate has always been a mark of independence and freedom in this country," says Donald R. Brenner, professor emeritus at American University. "Owning property is very important, and when you deal with someone who is going to help you buy or sell a piece of property, you'd better find someone that knows what they're doing.
"If you pick up the phone book and choose from the yellow pages, you won't make a better decision than if you picked up the telephone book to choose a brain surgeon," says Brenner.

Shelley O'Hara, author of 'The Complete Idiot's Guide to Buying & Selling a Home,' says, "When you announce your desire to purchase a house, you may be surprised at the number of real estate people who want to represent you. Agents come out of the woodwork. You won't have to worry too much about finding an agent -- you do need to worry about finding a good one."

Paul Purcell, a partner in Braddock & Purcell, a real estate advocate in New York City, agrees. "Buying a house is the most important financial transaction most people will make in a lifetime," he says.
"The most important thing when either buying or selling a home is to select the right real estate agent, but people usually go about it backwards. They read a newspaper or get one of the home magazines in the supermarkets, and they call about a home they see advertised. They should first select the real estate agent -- one who will understand what they need and can navigate the system for them.

"Advertising is designed to make the brokers' and agents' phones ring. Typically no one buys the house they called for, but from that point on, they're joined at the hip with a real estate agent they don't know anything about -- whether they are good, bad or indifferent or new to the business. They need to find an agent before they find house."

Brenner explains, "You must make inquiries before you sign with an agent or broker. Commissions are usually substantial, so some real estate agents will try to sell you anything. They'll tell you every house is the best house they've ever seen, every room is the prettiest, your kids are going to love it, and your dog is going to bark nicely. They'll tell you anything!
"If you're selling, your property may be the most valuable thing you own and it is of utmost importance to find an agent you can trust," Brenner says. "A real estate agent has a high fiduciary duty -- a duty of trust and confidence. It is the most important duty of any sales person or broker in real estate. An agent must disclose all the material facts of any transaction -- everything they know about the property, good or bad. If a salesperson knows there are three inches of water in the basement every time it rains, he is obligated to disclose that fact." END OF ARTICLE.

I could not agree more nor could I have written the article any better. The article's most important point is to select an agent that you feel comfortable with. Someone with whom you can immediately tell that both of you "are on the same page". I could never understand potential buyers running to a listing agent on a property of interest. Sure, I realize that contacting the listing agent is the easiest method to get quick information but to continue to work with that agent on that property is a big mistake. Does the buyer need to be educated to the fact that the listing agent's priority is to the seller? (see my previous blog on dualing agents) That buyer should already have an agent selected who is certain to look out only for that buyer's interests. All real estate agents are not the same (but we'll save that for another blog).

Potential sellers have equally important but different concerns when selecting an agent. Selling agents should be interviewed just as "a potential employer" would do for a job position. The owner needs to hold the lisitng agent's "feet to the fire" and demand to know up front exactly what the agent is going to provide in commission structure, advertising, open houses, etc. After several "interviews" with various candidates the owner will have a much better feel for who will do a better job in listing their home and finding the right buyer. Remember, in most cases, it is not the agent, per se, that sells your home but the quantity and quality of the marketing that the listing agent provides in attracting potential buyers. Your strongest bond to your lisiting agent should be the "mutual agreement" on how your home will be marketed!

Overall the selection of your real estate agent should be similar to how you select other professionals you use in your personal and professional business dealings. The agent selection process should be the same as how you would decide on an attorney, accountant, physician, or any other professional who is trained in a specific area and who you trust is the very best at what they do.

Let me know what you think. How have you gone about selecting an agent in the past? Did this blog inspire you think a bit differently? Your comments are always welcome. Visit my website at http://www.alan-realtor for the latest and greatest real estate info. SeeYou..........

 

Thursday, September 07, 2006

Should the public demand more from real estate professionals?

Source: REALTOR.ORG http://www.realtor.org/rodesign.nsf/pages/FS_2005PublicAware
The National Association of REALTORS® Public Awareness Campaign features a bold new message to homebuyers and sellers this year. While continuing to differentiate REALTORS® in the marketplace, the 2006 message highlights the integrity consumers can expect when working with a REALTOR®. Consumers put a high value on trust, and even more so when engaging in transactions as large as buying or selling a home. The new commercial, "Someone You Can Trust", highlights the honesty and integrity that REALTORS® bring to every transaction, and specifically mentions the quadrennial ethics training every REALTOR® must complete. The strategy behind this commercial is to help REALTORS® use the Code of Ethics as a way to market and differentiate themselves. In addition to the TV and radio, there is a special Web site, REALTOR.org/codeofethics, where consumers can get detailed information about the Code and REALTORS® can download materials to use with their clients. There is also a separate Code of Ethics within the Public Awareness Campaign section of REALTOR.org. Click on the "Code of Ethics" tab above to preview materials in support of this campaign.

As a member of the National Association of Realtors, I fully subscribe to and conduct my real estate business conforming to the REALTOR code of Ethics. When working with a real estate agent is it important to you whether he or she is a member of the National Association of Realtors? Your opinions are important! Your comments are always welcome. Make sure to visit my website at http://www.alan-realtor.com to get the latest and greatest info on real estate. SeeYou.......

 

Posted: Wednesday, December 13, 2006 8:00 AM by Alan Endermann

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