Top 5 Best (And Worst) REALTOR Slogans

Let’s get right down to it, shall we:

Best REALTOR Slogans

#5. „My job is your future“– Good. So you understand how big of a deal a home purchase is for me.

#4. „Purveyor of fine homes to fine people“ – Not bad; a little boring, but you have a good command of the language and demonstrate strong commitment to a targeted market.

#3. „Sold in 100 days, or I’ll buy it“– Does this belong in the top 5? Yes – because you stand out, commit, and I know I’ll have a guaranteed sale within 4 months.

#2. „I Never Forget You Have a Choice“– That’s what I like to hear – you’ll always have the right motivations while we’re working together.

#1. „Anyone can sell your home. I can sell it for more.“ – Strong, assertive and straight to the point. Let me put you to the test.

Worst REALTOR Slogans

#5. „A Realtor You Can Trust“– Sounds like something your parole officer told you to say.

#4. „No Fancy Punchlines – Just Great Service“– Does this constitute an oxymoron? (Definitely a moron)

#3. „It’s the Energy!“– What does that even mean? I think your doctor over-prescribes stimulants… Out of curiosity, what’s his name (my friend wants to know…)?

#2. „Everything I Touch Turns to Sold!“ – Ha ha! It’s funny, I’ll give you that. But now that the joke’s over can you introduce me to a real REALTOR?

#1. „Spouses Selling Houses“ – Do you include domestic disputes with showings?

Conclusion

This was a tough article to write because there are at least 20 terrible catch phrases for every good one. Some rules of thumb:

  • Use common sense – No one wants to hear you state the obvious – and no one is interested in self-indulgence. There’s also not much room for humor (there are exceptions of course), so keep it professional.
  • If you say something bold in your slogan, make sure you’re willing to eat, sleep, and breathe by it.
  • If you can’t come up with anything good, don’t worry: Clients won’t notice that you don’t have a catch phrase, but you might lose clients if you have a bad one.

Immobilienmakler Heidelberg

Makler Heidelberg

FSBO: For Sale By Owners Chapter IV [part 1]

Like a monarch, Red Haring reigned in the deep leather seat of his KenWorth cab–with its king-size sleeper. The 400 horsepower Caterpillar diesel engine droned apathetically as Red downshifted for the parking lot to his favorite Boise, Idaho roadside diner. He’d picked up a large 26,000 pound household move in Olympia, Washington, which he’d delivered to Baker City, Oregon.

Red’s company had a contract with BIG Van Lines to move households. Red Haring Trucking, Inc., he used his tractor to pull their trailers. He wore their crisp blue uniform jacket, blue pinstriped shirt, a BIG tie–scenic pictures and moving vans–when moving people’s family cargo.

Red’s traveling companion was a dog named Mercy. She had befriended him at a roadside rest area, four years previously. Apparently abandoned, Mercy seemed to be waiting for him. When Red hopped out of his cab to use the restroom, the dog had come over, sat down in front of him, looked him straight in the eyes, and barked twice. At 3:00 AM, there were no other vehicles in the rest area. That, too, was strange on an Interstate, no other trucks with drivers sleeping or cars that she could have jumped out of. Red had patted her on the head, more interested in why he had stopped than in a dog.

As he continued, the dog walked two steps behind him until they were about thirty feet from the concrete building with its doors to Men’s and Ladies‘ rooms blocked open. Mercy raced ahead, went into the Men’s room, came back out, sat down by the door and waited for Red.

Again, as he approached, she looked him in the eyes and barked twice as if to say it was safe. She continued sitting there until he came out, barked once, rose to her feet and followed Red back to his van.

Taking advantage of the stop to check the padlock, the mud flaps and the tires, Red was ready to mount the cab when the dog began barking franticly.

„I’m not taking you with me, dog!“ Red told her.

The yellow, longhaired who-knows-what-dog seemed to understand what he said. She stopped barking, ran over between the tractor and trailer, sat down and resumed barking.

„What is it, a squirrel or something I need to see?“

Two barks.

„Okay, I’ll take a look.“

Red walked back to discover a large nut had fallen off his coupler to the trailer when he’d come to a stop. The dog had noticed it. Red knew that a potential disaster had been averted. Had his trailer come lose, on the Interstate, he couldn’t have done anything. This dog had saved him, and who knows how many other motorists. Red selected a wrench from behind a seat, replaced the nut and prepared to leave the rest stop.

„Thanks, dog!“ I’ve really got to go, now.“

The dog whined. Red bent down. She was using those big brown eyes of hers to her best advantage.

„You got a collar on? Dog tag? Maybe, we can find out who you belong to!“

There was no tag, only an inch-wide turquoise nylon collar on which someone had taken time to hand embroidery a word in red, MERCY.

„Mercy! Is that your name?“

Two barks.

„You look like you might be hungry, Mercy! You hungry?“

Two more barks.

„Let me see if I’ve some hamburgers in the cab. Are World Burgers all right with you?“

Mercy sat up before he even opened the door. Red located a bag with three World-Burgers.

„They’re kind of cold, Mercy. You don’t mind, do you?“

Mercy dropped down and whined, again.

„What? You want me to put them into the microwave for thirty seconds before you get one?“

„Woof! Woof!“

„Okay Mercy. One hot World-Burger coming right up. But, I get two of them. Understand?“

Immediately, Mercy’s right paw shot forward. „Woof! Woof!“ She agreed.

Red never planned getting a dog. A few long-haulers keep animals for company because it’s illegal to transport human passengers. Section 392.60 of the Federal Motor Carrier Safety Regulations clearly reads: Unauthorized persons not to be transported. Dogs, cats, even parrots or boa constrictors are not forbidden. For Red Haring, the childhood memory of a car running over his dog had never been healed. He’d sworn never to become attached to another animal.

„You must belong to a trucker, Mercy. Okay! Hop in! You can ride with me a little ways. We’ll get on the CB and find out where your owner is.“

Red tried to find Mercy’s owner. Three different truckers remembered a driver that used to travel with a yellow dog. Had a turquoise collar. He’d died on the highway, they’d heard. The year before! No mention of what became of his dog. The word would get passed along by CB radio for several days. Meanwhile, Red agreed he’d take good care of the animal. Within a week, Mercy would be inspecting Red’s truck and supervising his road-hire employees. Red was glad that Mercy had persuaded him to break his never-get-attached-to-another-animal vow. On his long hauls, Mercy was a must.

The small 5,500-pound load he’d taken on in Baker City, Red had unloaded alone in Boise. It had been mostly boxes, some small end tables, lamps, two bed frames, no mattresses or couches requiring two movers.

The man he’d hired in Baker City to help unload the truck was a good worker. Mercy had approved him. Wearing the clean BIG shirt Red provided, he’d looked presentable. Red used him to load the small move to Boise, before returning the worker to the truck stop where they’d met.

Red had offered him $15.00 an hour cash for five hours work. It had only taken 4 hours but Red had paid him $75.00 anyway. The worker signed a receipt for Red’s contract labor (independent contractor) that would be used for calculating expenses and taxes, collecting a phone number from the laborer so he could call ahead next haul to Baker City. Good, careful, workers are a moving van driver’s dream.

Red now had two Boise households loaded in the fifty-three foot long by eight and a half foot wide trailer ready for his transport to the Seattle area. The Larry and Moe team he’d hired at Boise BIG, the national affiliate, had insisted on taking rest breaks every forty-five minutes. He’d had to tell the Moe to wait until his break to smoke. At the second house, the lethargic loaders had taken a walk. Red had a good idea what they had been smoking.

Now, before they headed back to Washington State, Red and Mercy needed something to eat.

Idaho night was approaching as Red Haring located a safe place to park his consignment. He swung easily from the cab to the nearly full parking lot of the Chicken Out Restaurant and Lounge. Mercy yawned in the passenger seat sensing that chicken and dumplings were on their way. Dogs are not supposed to eat chicken bones, but neither she nor Red seemed to know that. Except when here in Idaho, Mercy preferred World Burgers. Sometimes, she sat cocking her head, holding her nose just so, barking twice to alert her master that a Burger World was nearby.

After a quick check of the trailer padlock, Red straightened his Big company tie before going in to claim the best chicken and dumplings in the Northwest United States.

All the tables and booths were occupied. He could see several hungry natives waiting. Red spotted an empty stool at the counter. It would do fine. Faster anyway.

The flawlessly toothy waitress greeted him with a jam-packed smile.

„It’s been a while, Red. Are you staying over?“

„If I’d known you’d invite me, I’d have planned better!“

„I’ll forgive you this time. My new boyfriend wouldn’t understand anyway.“

„Ah, he’s territorial! I can’t really blame him, Ruby.“

„When did you get in?“

„This morning, why?“

„Curious. You write my song yet?“

„Not yet. But, I will.“

„You owe me one, Red.“

„Do you know what I would like to do with you, Ruby?“

„Yeah, take delivery of chicken and dumplings and drive off into the night.“

Red Haring flashed her some teeth of his own. Ruby slammed down a cup of black coffee before she disappeared into the kitchen to pick up an order. The guy on Red’s right in a suit shook his head and said „Ouch.“

Maybe, it was his strong jaw line, or his cleft chin, or both. Women found Red tempting. He was a physical specimen, six three with rock-solid muscle of a kind not developed in a gymnasium. No combination of bench presses, tread mills, or twenty-five rep weight series could have sculptured Red’s lean body as had his twelve years in the moving business. Totally functional.

The man on the next stool was observant. He spoke to Red, again.

„X-wife?“

„An old friend.“

„Doesn’t seem very happy,“ the salesman observed.

„I hope she is. She’s a nice lady. Deserves a heaping mound of happy.“

„A happy alamode!“

„I wish I could order her one,“ Red admitted .“

„Me, too. I’ll bet she could make me happy! She looks like she likes your flavor better. Where you from?“

„Seattle area. You?“

„Chicago. Sell medical equipment.“

„You married?“

„Not if a woman asks,“ the salesman said slyly. My wife thinks I work late. Spend lots of nights in places like this. I can usually find a warm lonely to share a bed with me when I’m away on business.“

„If I was married, I’d try to work closer to home. You might want to consider it,“ said Red confrontationally. „I think that women have enough problems without getting messed around with by married men. Ruby sure as hell don’t need messed with.“

„Well, I think I’ll examine the bar then. Have some new lines I have to try out.“

Ruby had overheard the exchange. She was more composed when she returned with a huge plate of chicken & dumplings.

„Thank you, Red. I get so tired of guys like that. You look good tonight, Red.“

„You always look good, Ruby.“

„Are you heading back tonight?

„I’ve got to deliver two households tomorrow. One in Seattle.

One in Tacoma.“

„I don’t get off until two in the morning, anyway. How about next time you’re in town? You’ve got my number.“

„I’d like that, Ruby.“ Savoring the poultry, Red enjoyed watching Ruby. As he finished his last bite, she returned.

„You want some coffee to take along with you?“

„That would be great, Ruby. Large, Styrofoam.“

„You won’t throw it out the window and kill my birds, will you?“

„I don’t believe in throwing things out the window.“

„You’d better not, Red,“ Ruby warned. She sat down a large steaming stay awake, picked up the twenty, and showed him her teeth. „Oh, here you are, a ‚To-Go‘ for Mercy. Drive careful, darlin.“

Chicken and dumplings to-go order in hand, Red returned to his truck, opened the driver’s door and tossed the container over to the passenger floor mat where it was well received by his patient pooch who opened the lid herself.

Styrofoam cup in one hand, chrome bar in the other, Red swung effortlessly up into his commanding cab. Securing the shoulder restraint, he skillfully maneuvered the truck-trailer rig between the utility pole and cars that only appeared to have boxed him in.

Soon, he was headed west on Interstate 84. As if it knew its way home, the 400-horse Cat diesel roared approvingly as it glided past other, less committed vehicles. The tractor had 90 gallons of diesel left in its 170-gallon tank, Red and Mercy had full stomachs. All three were content.

Red thought about Ruby and their conversation in the diner. He’d met her on another move. His truck had blown its transmission. It had taken seven days to locate the right parts necessary to complete repairs. The mechanic had said he’d have him back on the road in three. It was on the third night, after the guy told him it would be a few more days, Red had walked to the diner the mechanic said had great chicken and dumplings.

Discouraged, low on cash, he’d drank coffee at that same counter. Ruby had come on at 6:00 PM to find him not sure of what he’d do.

„Cheer up, Red,“ she encouraged. „You don’t mind that I call you Red?“

„That’s my name. You can call me anytime.“

„Can’t be that bad, Red! What’s hurting you tonight, Darlin?“

„It isn’t your smile,“ he’d answered.

„You got a good smile yourself, Red. You want the special?“

„If you’re it!“ He volunteered half-hopingly.

„Chicken and dumplings, for now, Darlin. I don’t even get off until 2:00 AM.“

„The special is what I want, for now.“

For the next eight hours, Red had sipped countless coffees while Ruby had served the variety of patrons. While she waited on them, he waited on her. She brought him refills with just enough encouragement. Finally, the payoff.

„Here’s some fresh strawberry pie. It’s on me.“

„With whip cream, too?“

„You’ll see. You might like it.“

I really did, Red remembered. Then, as now, it had been a cold, November night. When her shift was over, Ruby had invited him to share her warm waterbed. Red wished he had more time tonight.

Tires against the highway, wind, and the pulse of a healthy engine combine to create a unique music that a trucker could feel. Each song exclusive, tailored to the man who holds the big wheel. Red switched off the CB radio to hear it more clearly. His now hungry hand moved as expected, to locate the yellow pad. Inspired by the highway harmony, Red shifted into high gear and right brain. He would make good his pledge to a willing waitress. She’d not be disappointed next time he delivered to Boise. As the words came to him, he composed her promised song.

Diner Doll

She’s a lady of the light,

She serves coffee in the night

To the many men who spend their nights alone…

So, she warms them with her smile

For, she knows that in a while,

They must face the cold that haunts an empty home…

She’s the lady of the late,

When a man can’t find a date,

He wanders in, and now and then, gets rude…

But, she takes it in her stride

As she helps him find his pride,

She restores him with her super attitude…

She’s a lady all the time,

When a mans had too much wine,

When he plans to put his hands where he should not;

She can quickly move away

Then, if he still wants to play

She can, even quicker, put him in his spot…

She’s a lady every way,

Even knows just what to say

To every guy who has to try his line…

Yet, on the nights she’s off,

She can be so very soft;

When, best of all, this „Diner Doll“ is mine…

The exit to a Pendleton, Oregon truck stop ahead, Red downshifted to left brain and fourth gear. In 222 miles, 3 hours 54 minutes of hard labor, he had given birth to a new song. He had to spank the baby. 12-string in his hand, he leaped down from his leather throne.

No one but Mercy was there to hear the review of ‚Diner Doll‘ when Red put the cords to the beat he’d heard on the highway. His yellow pad bore evidence of the many word combinations, phrases that didn’t fit. By the seventh page, he had the final draft. He hardly glanced at the pad as his nimble fingers set up the correct strings to complement his moving voice.

„Not too many cowboys lean against a truck to play guitars here at midnight,“ the cash attendant commented.

„Most cowboys are truckers, but not all truckers are cowboys,“ Red replied.

Mercy barked twice.

By fifteen after midnight, fresh coffee in hand, Red was back on the road. He switched on the CB in hopes that a caravan would be coming up behind him. He was in luck.

„Breaker, breaker. This is the Red Haring swimming west on 84–out of Pendleton–a little fish can get lonely out here. Over!“

„Swim easy there, big Red. Lot of nets out, tonight. We’ve got a school of eleven, swimming your way. Over!“

„Roger… I’ll just tread water until you show up. The Red Herring – over and out!“

Caravanning has been the driver’s defense since before there was radar. With higher cab elevation, good eyesight, and constant use of the CB radios, no smoky bear patrolman could set up a speed trap undetected.

Red cruised along at the speed limit until eleven assorted trucks caught up to him. He settled in and switched off the CB. It might take only moments for Red to begin to discern the loyal harmony.

It didn’t happen right away. He’d have nearly three hundred miles to make another musical baby.

He thought about the medical salesman he’d talked to at the Chicken Out diner. On the road, at these hours, there aren’t usually many people, other than truckers, who share the camaraderie.

Red’s mind slipped into his trucker’s world. Thoughts, conversations with other drivers, problems and pet peeves common to those who move American goods via the nation’s highways:

We pay thousands of dollars in road use taxes, spend millions of dollars for gas and diesel, and endure the scorn of most motorists who wish we’d stay off the road.

When we quit rolling, he mused, this country stops. Supermarket shelves soon empty, as do all of the other stores. Those motorists, who curse us on the highways, can’t even buy gas for their cars.

News crews are quick to cover the trucks that leave the roadways, spill loads, or catch on fire. Why don’t they ever report that the trucker involved had averted a disaster by choosing self-destruction rather than to crush the car that was responsible? Newspapers always put out a headline like:

3 Dead in Car when hit by truck head on.

What they don’t say until way down in the story, if at all, is that the so called truck was really a Ford F150 pickup driven by a teenager who was high on drugs. The people read the truck headline, but not the story. Press people aren’t on hand to film the rescues when, hundreds of times each year, a real trucker sees an accident in progress on the opposite side of the turnpike, pulls over, dodges cars, drags the mother and children from a flaming car, and then leaves the scene to continue his time sensitive delivery. At least, the firefighters and police are finally getting some of the respect, appreciation they deserve. Someone should present our stories in a different forum.

Red was snapped out of his hypnotic trucker’s world by a flash of bright headlights in his mirrors. Lights blinked bright, then dimmed. An automobile driver had signaled that he was about to pass the truck on this beautiful stretch of wide open road. Flashing his trailer lights, as the signal to come ahead, Red watched in his door mirror as a burgundy Cadillac pulled alongside before moving on by.

The driver was wearing a gray suit, white shirt, and a broad striped tie with its knot loosened half way down his chest. Truckers see a lot more than most people think. Another salesman, change of clothes on the hangers in his rear seat, probably had to make an early appointment in some town up ahead. He was using the wee hours for his commute.

If the caravan had overtaken him, the Caddy might have ‚hitchhiked‘, settled in between a couple of us feeling safe. Salesmen aren’t limited by the no more than ten hours following eight consecutive hours off duty Rule– or only logging fifteen hours in any twenty-four hour period– like we truckers are. Red felt his brain shift. The Cat Diesel started throbbing music again. So did Red. The seven-line chorus came first:

Truck Drivers and Salesmen

[Chorus]

Truck drivers and salesmen are men of the road;

One ‚Loads his holler‘,

While one ‚Hauls his load’…

Before you fall for one

It’s best that you knew:

Truck drivers and salesmen

Are just ‚Passing through’…

Verse 1:

It’s true that they do seem different, sometimes,

The way they may dress,

And, oh yes, different ‚Lines’…

But, they share the ‚Feel‘ of the ‚Flight of the free‘,

And, theirs is the ‚World‘

That awaits them to ‚See’…

[Chorus]

Verse 2:

Sometimes, they get lonely;

Sometimes, they get down…

They know that they’ve only

A short time in town…

Then, when they meet ‚Someone‘,

As, sometimes, they do:

Truck drivers and salesmen

Are just ‚Passing through’…

[Chorus]

Verse 3:

Yes, they must atone for the life that they’ve led,

They could have stayed home

With a ‚Sweet wife‘, instead…

But, they’ve chosen ‚The road‘,

Chose to ‚Follow a star‘:

I suppose, that’s what makes them

The men that they are…

[Chorus]

In his own altered state, Red Haring had become part of a caravan, traveled past The Dalles, through Portland, turned onto Interstate 5, missed two of his favorite truck stops, and was approaching Centralia, Washington before he realized that his lyrics were complete. I’ll try it out at Trolley’s.

The watch on his wrist said it was just after four in the morning. Making the left brain shift, Red recognized he’d had a great time. Even better than sex, he told himself. Lasted longer, too. I wonder if the ‚Lady McBest‘ Realtor is back; if she liked the roses I sent her? The poem I knocked out for her wasn’t much. I know I’ll have to do better.

[Much of Chapter IV was cut to meet posting guidelines. Read complete Chapter in published „FSBO.“ ]

Immobilienmakler Heidelberg

Makler Heidelberg

Still Owing Money After a Short Sale

Many distressed home owners have opted to use the short sale as a way to get out of a mortgage they can no longer afford on a home that is valued less than what they owe. It has been a blessing to many and has helped people to avoid foreclosure proceedings. However, if the short sale is not done properly, former home owners can find themselves being called by debt collectors for the remaining balance of the loan.

Second mortgages or home equity lines of credit (HELOC) are the main culprit in this scenario. Most short sales only cover the first mortgage. The second lien holders may be able to collect $3-5000.00 from the sale, but often they do not receive a dime. Later, after the short sale has been completed, these lenders sell their bad debt to a collection agency and the calls begin to come in.

This can be avoided in most cases. When a home owner is considering a short sale they should immediately contact a real estate attorney. The attorney, when negotiating the final sales amount can include a clause in the contract stating that the home owner is not responsible for any further collection action from first or second mortgage holders after the sale. It is imperative that both parties are included in this clause to avoid collection activity down the road.

Many home owners have believed in the past that once the sale was completed they were free and clear. This has not been the case. Collection activity begins almost a year after the sale and is relentless. Without that clause in the contract you are liable for the remaining debt, especially to the second mortgage holder. These collection agents can pursue you aggressively, ruin your credit and may even take you to court for the amount that is still owed. These collectors, of course, add their collection fees to the debt making the debt larger and harder to pay off.

Some states are still considered non-recourse states. What this means is that if a mortgage goes bad and a home is sold, the original borrower is not responsible for any difference in the loan amount. However, this non-recourse rule does not apply to second mortgages in any state.

Borrowers must also be aware that many lenders have now resorted to including a promissory note in the contract. This note obligates the borrower to pay for the remaining balance of their debt to the lender after the short sale has gone through. Many lenders state they will not approve a short sale without this guarantee. However, with proper representation by a real estate attorney this pitfall can be avoided.

Home owners that are already facing financial problems do not need this additional grief. IT is very important to have a clause in the short sale contract relieving you of the responsibility of the balance of the loan(s).

Short selling has become a widely practiced form of real estate selling in the last two years due to the market. Most lenders do not like the process and continually change their guidelines for the process. Real estate agents, even those that specialize in short sales, cannot keep up with all the different rules and regulations set forth by the many lenders. For this reason it is crucial to have an attorney involved in the process.

Selling your home in a short sale can help you avoid foreclosure, but it is a very dangerous process for the home owner if they are not prepared. If this is the course you must take with your home, you should arm yourself with a knowledgeable real estate agent and a competent attorney.

Immobilienmakler Heidelberg

Makler Heidelberg

Sell House Now Tips and Information – Learn How to Sell a House Fast

It is now doubt the real real estate market will slow down during the holiday season. This is good for realtors and real estate investors who have been working very hard to help clients buy and sell houses but not so good for buyers and sellers.

If you are in the market to buy a house, December and January can be a good time to pick up some great deals on a house because there are not many buyers. It can also cause an issue for home buyers because the number of available homes typically is lower during the holidays as home sellers don’t want to move during this time.

The cold weather also has an affect on the real estate market. The colder it is outside the less home buyers are out shopping for a great new home and the less number of open houses real estate agents hold. In months when the weather is warm the number of houses for sale increases and so does the number of sold homes each month.

Does this mean you should wait to sell your house until Spring? Well, if you can wait it might be a good idea too, but many home owners need to sell their house now. The truth is life happens and there are many reasons a home you expected to stay in for seven to ten years suddenly becomes a home that you can only stay in for two or three years.

Home owners who need to sell their house fast typically have one of the following reasons: foreclosure, job transfer, divorce, relocation, family illness, short sale, etc. There are many reasons home owners need to sell a home but if you are experiencing any of the above stated issues you are more likely to need to sell quick.

The problem with needing to sell a home fast in the current real estate market is many home owners do not have much equity so selling a house can be very difficult. If you owe more for your home mortgage than what your home is worth it can seem impossible to sell your home. The truth is you still have home selling options. You can have a professional realtor or investor complete a short sale, lease option your home until the market increase or you can rent your house until the market increases and sell then.

It is important that if you are wanting to sell a house you discuss all your options with a real estate professional. Real estate can be a tricky thing to handel especially when you have an emotional attachment to the home. Discussion all your options with someone who is an expert and does not have an emotional attachment can help ease the process of selling a home.

Immobilienmakler Heidelberg

Makler Heidelberg

Finding The Best Offer On Housing Loans

First time homeowners usually still have no first hand experience on borrowing for the purpose of purchasing a home. For people who are yet to avail of a housing loan, there are a number of considerations that you would need to take in order to get the beast deals in the market. Always remember that there are a number of lenders in California that offer housing loan programs. Most of these lenders have their own sets of criteria when approving a housing loan and drafting the terms and conditions that shall govern the loan. As these lenders in California have different sets of standards, it could not be avoided that some of them would have lower interest rates than the others. Furthermore, there may be a marked difference in terms of the terms and conditions that California lenders may enforce in connection with the housing loan. Some lenders may impose more onerous obligations that others so it is very important that you study your option swell when finding a lender in California that grants housing loans.

Finding the right lenders for housing loans may take some time and effort on the part of a borrower. Yet, if you are a would be borrower you should always bear in mind that the time and effort that you spend researching and learning the different services offered by banks and lending institutions are time well spent. If you are able to get good terms and conditions for your housing loan, you could easily save hundreds and even thousands of dollars on amortization cost.

Immobilienmakler Heidelberg

Makler Heidelberg

A Few Of The Benefits To Buying Used Campers For Sale By Owners

There are many different benefits you could gain by choosing to buy campers for sale by owner, rather than buying campers from a dealership, or buying them from an RV auction. I think that you can find some of the best deals when you buy campers for sale by owner for several reasons.

First of all, when you buy a camper for sale by owner rather than buying one from a dealer, you are already showing some great signs of intelligence. Most of the time, dealerships have a 30% to 45% markup on their inventory. This means that they have found owners who are willing to sell to them for a very low trade-in value, and then they will typically mark up the price significantly higher, so they could sell it to you and make money out of the purchase. If you take the time to do a lot of searching, you can find people willing to take 40% less than the dealer retail value, or 20% less than the private party value.

These people are known as motivated sellers. They are typically motivated by some reason other than money to sell their RVs quickly. It may be that the owner is selling to avoid a foreclosure. Another reason may be that the owner is going through a tough divorce. Or worse, it could be that the owner has lost his job and can no longer afford to keep his RV. If you can find out what reason they have for selling, and how you can help them solve their problem, then chances are that you will be able to also save yourself a lot of money.

Another reason why you should buy used campers for sale by owner, is that they are a better deal than buying from camper auctions. Although you can occasionally find a better deal at an auction, when you do find it, you have a lot of competition from other expert RV buyers and dealers. Often, they will bid up the RV to the point where there is very little money you are saving. Because you can have a lot competition when you buy a camper at an RV auction, it would be a wiser choice to look for RVs for sale by owner. Also, you do not need to have cash at the time that you make an offer when you buy from an owner. When you buy at an auction, you need to have cash in hand that day in order to pay for the camper, otherwise you lose the deal. So buying from an owner is a lot less stressful and you don’t have to make your decision quite as quickly.

Immobilienmakler Heidelberg

Makler Heidelberg

How To Sell Your House Fast Regardless Of Your Situation!

Do you need to sell your house quickly in today’s ever changing real estate market? Do you need to get cash fast for your home? There are options even in this real estate market to help you accomplish all of your goals you have for selling your house. You can sell your house for all cash or on terms. You are probably asking what are terms? Well you have other options in today’s market to sell your house over a short period of time say 12-18 months or over a longer period of time like 3-5 years. This will depend on how much cash you will need up front. By selling your house on terms you will be able to have your house payments made for you every month and be able to walk away with some cash for your immediate needs. Then depending on the terms of the sale you can receive up to full market value for your house. This would be better than selling your house now and maybe having to come to the closing with extra money that you might not have. With this type of sale you will get your price over time instead of all at once.

The benefits of selling your house this way are

1) you will get top dollar for your home in today’s market.

2) You don’t have to deal with realtors and waiting 6-8 months for you home to sell.

3) There are no costs or commissions to you at all.

4) If you sold it through the traditional way of a realtor, by the time you pay the realtors commissions, sellers concessions and the discount that the buyer will want in today’s real estate market. You will be lucky to net 85-88% of the Selling Price of Your Home.

5) You can deal directly with a local Professional Real Estate Investor that will listen to your needs and help structure a sale of your home that will work perfectly for you.

Many home sellers in today’s market find these methods of selling their house to be the best option to fit their goals. As you have seen there are many benefits of selling to a local real estate investor V.S. selling their house FSBO or through a Realtor. The choice is ultimately up to the homeseller to make.

A local real estate investor will also be able to make you an all cash offer on your home if you prefer. You would not have to make any repairs because they would by it „as-is“. Your local real estate investor will give you a quick and fair all cash offer for your house. They should also be able to close on your home in under 30 days and in some cases as fast as 7 days! It is just a simple hassle free sale of your home. You will be able to walk away from your house with cash in hand. It doesn’t matter the condition of your house or what your situation is, they can buy it fast for cash. Your local real estate investor will take care of all of the repairs, leins, back taxes, judgments, or whatever else you might be dealing with. You will just be relived of all that stress that has been building up about your house and, you will walk away with cash being done with your house.

Your local Real Estate Investor will provide you with fast, friendly, professional service. Not all real estate investors are friendly and have the experience you are looking for. Be careful to work only with a company who knows what they are doing. Good luck and I hope you are able to sell your house fast.

Immobilienmakler Heidelberg

Makler Heidelberg

How to Choose The Right Real Estate Agent For You

Whether buying, or selling a home, choosing the right real estate agent or buyers agent, is the most important step to take. The process of buying or selling a home is very detailed and difficult. In addition to the fact that mistakes can cost a great deal of money?

Your assets are on the line, and losing through the purchase or sale is the last thing you want to do. There are many real estate agents around. The ones that are dedicated and stay with you every step of the way, or the ones that farm out the work to other brokers.

The areas of expertise you need to look for are:

· How much education in the area of real estate does the agent have?

· How much knowledge does the agent have about the homes in the areas you are looking at?

· Do they have a wide variety of homes for sale for you to view?

The title that carries the most education and experience is a real estate broker. The real estate broker has a real estate license, training, and is recognized by the National Association of Realtors. This professional would likely be able to assist you with all of the needs you would have for buying or selling a home.

After the real estate broker is the realtor. This professional received the real estate license, and some additional training. He or she has also received recognition from the National Association of Realtors.

Finally the real estate agent is a person who has received the license, however may not have the same amount of experience as the more seasoned broker.

Most states have minimal requirements for being a real estate agent and this is the cause for some of the issues that are incurred during the transferring of ownership of a home. However keep in mind that at all levels of this expertise there are good agents, realtors and brokers. Doing a little checking can help you find the right one for you.

Most of the time a real estate agent is representing the seller of the home. If you are looking to buy a home, you are looking for a real estate buyer’s agent. This is important because you want to be represented in the best interest of your needs. Not those of the person on the other end of the deal.

When you are doing your research about the right agent for you, you will want to look for the commitment you deserve. There are many agents on the market just like there are many homes to be sold. If you do not get the attention and prompt response you deserve, go looking for someone else. They will make a profit from your purchase and they should be treating you with a reasonable amount of respect and professionalism.

The rule of thumb is that you want a real estate agent that has been around for a couple of years. With the turn around in the real estate market the way it is, this is the reason it may take you contacting a couple of agents.

You want to start your search by getting the right real estate representative for you. The home you are looking for will come along. There are bait and switch agents out there who specifically use a house within a price range and look that is appealing to the average home purchaser and then when they get the call, they may tell you it is sold, but there is another they have that you will love also. Keep this in mind so as to not get stuck by a tricky agent, instead look for the representative, agent, or broker that will show you what is available at all levels of purchasing and will keep your best interest in mind.

Immobilienmakler Heidelberg

Makler Heidelberg

Hey Buddy, Wanna Buy a House? Or What Do Realtors Actually Do for All That Money

Real estate as a profession has been around as long as there has been a United States and yet many people have little idea how Realtors actually function. This understanding is exasperated by the fact that no two Realtors practice in the exact same way. While the aim is the same, the methods employed are often quite different. Still, the basic process remains unchanged.

This matters because both buyers and sellers are often challenged by their living situation–or lack thereof–to the point of severe stress both emotional and financial. Understand the process can be a great help.

Buyers, for instance, tend to think of real estate sales persons as someone who wants to sell them a house, that they will even try to talk a person into buying a particular property in order to make another commission. While some new licenses may start out like a glorified used car salesman with this idea they rarely last. Over 70% of new agents fail in the first year.

What actually happens is the Realtor learns all they can about a person’s needs and finances and combs the market for a home to fit those needs and financial limitations. This last issue is usually the toughest. Buyers strive to get the most home for the least cost and sellers strive to sell for the highest price. Add direct competition from other buyers and the landscape can be challenging at best.

This is where a good Realtor is worth his or her weight in gold. Well, maybe not their weight in gold, although this may be true in some cases, but a considerable amount of money at a time when financial resources are usually stretched to the limit.

Helping a buyer into the right home at the right price is the job and Realtors have been doing just that for as long as there have been Realtors. If they didn’t they would have gone extinct ages ago especially in today’s computer driven markets.

Once the right home is found the job is just beginning. The best price and terms must be negotiated. This is an art in itself and can save the home buyer a sizable fortune. Here’s where the network of Realtor affiliated with the Multiple Listing Service (MLS) and the National Association of Realtors (NAR) comes into play.

Both the buyer and the seller are typically represented by separate agents, each legally required to serve their client’s needs and no other. Buyers and sellers do not directly interact. This single factor facilitates successful agreements more than any other means since Realtors as experienced negotiators can put together deals that individuals usually cannot as witnessed by the staggering rate of negotiation failures experienced by FSBOs (For Sale by Owner sellers working without representation)

Once the deal is struck the next challenge is getting to the closing table through financing, home inspections, attorney and title hang-ups and even timing. The previous owner must leave at the same time the new owners are ready to move in. This is often on the same say, the day of the closing. Here too expertise pays off while sellers who manage to strike a deal experience major fall-through issues and failed closings forcing them to start over with all the accompanying costs and missed opportunity.

Realtors facilitate successful transactions not by pushing their own agenda but by expediting their client’s needs and goals.

Not only is trying to sell someone a home counterproductive in a world of cautious buyers it undermines an experience agent’s foundation for continues success in the profession: repeat customers.

Sellers too often labor under misconception about the process of selling their property. If they gave it any consideration at all they might think that what doesn’t really happen to buyers actually does. No successful agent goes out and tries to talks someone into buying a house.

What actually happens is much like marketing any product or commodity. Simply put, the Realtor promotes the listing to the buying public in the best possible light. This process too is greatly facilitated by MLS associations as a repository of homes for sale. The MLS is the single best source for home sales in the country where over 90% of buyers find their home through agents affiliated with a regional MLS. The goal is that no one interested in buying a home is left unaware of the seller’s offering. And that the best possible light means the place must show well and the price must be competitive with other similar homes since buyers will always choose the best home at the best price.

This can be as much of a challenge for sellers as it is for buyers. Again, the seller is looking to maximize their investment which does not usually include fixing the place up. If they wanted to make improvements or repairs they wouldn’t be selling in the first place and for the price they are getting the buyer should be willing to accept less than picture perfect–at least that’s often the common thinking. This is just as reasonable as buyer’s being put off by homes that need work and in their opinion overpriced but not conducive to anyone getting what they want and need.

What results is conflict–almost every time. Solving these innate issues is what Realtor do best: Finding the right home for the buyers based on their needs not their own. Or market the seller’s home effectively to bring in a ready, willing, and able buyer. Then making it work for both parties all the way to the closing table and a fine new home for the buyer and a big check for the seller to enhance their bottom line as well as their living situation. Not bad, not bad at all.

Immobilienmakler Heidelberg

Makler Heidelberg

Realtor Lockboxes Explained: A Summary of Lockbox Options and Alternatives for Real Estate Agents

Real estate professionals today have a plethora of high tech options out there to enhance their business, but rarely do we fully consider the value of the lockbox – the sole piece of equipment responsible for allowing agents to show the homes that we sell everyday. The lockbox itself has evolved over time, and today agents find themselves comparing the value from a standard combination lockbox to that of a more high-tech electronic lockbox. Real estate agents today are pressed from all sides for fees, dues, and expenditures that are unavoidable costs of doing business, so when it comes to making a decision between a combination lockbox that’s just a few bucks versus a high-tech electronic lockbox that is substantially more expensive, does the increase in cost justify the value? Also, what are all the options out there for electronic lockboxes? This article highlights the findings of current industry options available.

Having the ability to show a home without the sellers there to watch your every move was a move in the right direction for the real estate industry. Agents know very well the situation where a seller will remain in a home during a showing and „pretend“ like they are minding their own business while the buyers tip-toe through the home trying not to impose while attempting to get a sense of what the home was like.

This is a wild departure from the typical showing when the sellers aren’t there; clients love to snoop around in order to get a good sense of the home. With the sellers not there, the buyers get a good opportunity to get a true sense of how that particular home would feel and if they can see themselves living there. Put simply, it allows for a better, more convenient showing experience.

From this dilemma the lockbox was invented. A device securing the key for entry by licensed real estate agents to show their prospective buyers, and it allowed sellers (or their agents) the opportunity to have the home shown without the need of their presence. It saved time, and allowed for a better showing experience. Truly, it was a win-win.

However, early lockboxes were simply a combination lockbox. They are certainly inexpensive, but an obvious downside was the lack of security for the home in question once the lockbox code was known. Sellers would rely on the professional ethics of real estate agents to keep the code confidential, but sometimes the code would slip into hands of non-agents. Less frequently, the code would be found by people with malicious intent.

With the obvious shortfall of relying on the honor system to keep lockbox codes confidential, it offered the opportunity for a better solution that would allow for accountability along with the ability to show a home without the seller being present. As a result, it did not take long for „smart“ lockboxes using electronic technology to come into existence, thus revolutionizing the process of showing a home. Before a seller and their agent wouldn’t really know who was showing the property other than the confirmed appointments that were made. Flash forward to today, and you have the ability to know exactly who and exactly when someone shows a property through the use of an electronic lockbox. With these smart electronic lockboxes, only an agent or other authorized party can access the lockbox itself, further emboldening the assurance to a seller that only licensed agents and properly authorized individuals are showing or entering their home.

Today there are 2 main companies that provide these smart electronic lockboxes to real estate agency associations. They are Supra key and Sentrilock. Together they comprise the majority of the lockbox industry market; nobody else comes close.

Supra (or SupraKey) is owned by general electric and provides lockbox solutions to all sorts of niche industries, real estate lockboxes being one of them. Bill Love, national account manager for Supra, says that out of a given state or region in the country, Supra, on average, maintains an 80% market share. Supra has sold several million lockboxes throughout the years to real estate agents, and currently Love estimates that there are 1.5 million+ Supra lockboxes currently in use by about 750,000 real estate agents throughout the country.

The supra key itself features a cylindrical design up to the „shackle“ (the loop part of the lockbox that will noose around something and keep it in its place securely) where the shackle fits in seamlessly. Its simplistic design is pleasing to the eye, and to activate the lockbox, an agent has a „digital key“ that’s about the size of a small flip phone and has a number pad and screen on it. The agent sets the key to open a box and points it in the direction of an infrared sensor on the box itself. When the lockbox recognizes that it being accessed by the remote digital key, it will release to allow access and the bottom of the lockbox will fall out when it’s pushed by the agent, and voilà, the key to the home is available for the agent to take and open the door for the showing.

Love says that Supra has plans for upgrades to the current model lockbox that will include the ability for wireless Bluetooth access and syncing. Also, rather than having the digital key, if the agent has a smartphone, Supra offers an app for access with the phone instead, which makes it easier and more convenient, for a monthly fee. Love claims that the key difference with a Supra Lockbox is that „it keeps intelligence in the hands of the user.“ Rather than having to rely on extra equipment or other trades people, the user has the control. Supra has had the current model for several years now with incremental software updates along the way. If an agent wants to buy a new Supra lockbox, it costs around $90, but the actual price that an agent will pay is determined by the association that they belong to.

Sentrilock is the other major player in the real estate lockbox industry. Sentrilock, which is based out of Indiana and is partially owned by the National Association of Realtors has been around for less than a decade and currently services about 250 of the 1000+ Realtor associations throughout the country and Canada as well. These associations comprise about 250,000 agents and approximately 500,000 lockboxes in current use. Sentrilock has 2 main models that are currently used; one is a silver lockbox that resembles a cell phone from the late 1980’s, bulky and heavy and somewhat longer in size than the supra lockbox. It has a key pad directly on the front of the lockbox itself, and holds the key within a drop-down door that pops open when accessed.

The other lockbox they offer is a smaller, more compact blue lockbox that is more cube-ish in shape but with the similar functionality features. The main difference between the silver and blue lockbox is that the blue lockbox allows for more space within the lockbox itself (which is important for people trying to sell a condo and who need to include an „access fob“ in addition to the key to the front door of the unit itself – there just isn’t enough room for multiple keys or when including the access fob with Sentrilocks‘ silver lockbox). Sentrilock sells their lockboxes for about $125 a piece, but this also depends on where you are getting it from, as the actual retail price is determined by the local real estate association that sells the boxes.

Both lockbox companies offer substantial warranties on the product themselves. They also have a support team that is almost always available in the event there is difficulty in accessing a lockbox, or for troubleshooting purposes. Both companies offer a comprehensive online tool that can provide the analytics from the showings and use of a specific lockbox which agents can use to share with their clients.

Some of the main differences between these two are how the lockbox itself is accessed. Sentrilock doesn’t need an extra piece of equipment to open a box. Rather, they utilize a „Smart-Card“ which is essentially a credit-card that fits into the lockbox and has a chip inside it that shares your information with the lockbox you are accessing. This card is all you need to access the lockbox, whereas Supra requires the digital key, although they have addressed this by means of offering the smart-phone app so an agent can use their phone in place of the digital key. Both systems require updating; in other words, the smart card for the sentrilock system requires you to stick your card in a „card reader“ that you get when you buy your smart-card that hooks into your computer. Every few days (the exact amount of days is determined by your local Realtor association) you must update the card through the card reader, which will allow you to show property, and at the same time uploads the information of the places you have shown to the Sentrilock system, which in turn is then able to be seen by the agents who owned the lockboxes of the places that you accessed. In a pinch you can update your card over the phone, but you can only do this once or twice.

On the other hand, supra keys update wirelessly. They didn’t always do this, where you were required to keep your „digital key“ docked on a charging station that was hooked up to a phone line. You had to do this every day and that’s how the system would both update your card as well as share your showing information to the system. The wireless updating feature has been in place for a year or two now, and takes the headache out of the equation of having you update your key each and every day.

The back end system for Sentrilock allows an agent to create specific access codes for one-time access of a specific lockbox. This makes it really convenient for a contractor, appraiser, termite inspector, etc. to be able to access a property with a code, but only one time because that code will expire after the day the code was intended to be used. This is a great feature that Supra doesn’t have an answer to.

Although there are benefits to both systems, any agent can’t simply choose which lockbox system they want to use – this is decided, agreed to and contractually obligated between either Sentrilock or Supra and an agent’s local real estate association. These associations, once they have agreed on a system to use can then „tweak“ the system to their discretion and preference. Things like the cost of a lockbox, whether the lockbox is leased or sold to agents, the amount of times an agent can renew their key by phone, the amount of days that can elapse before an update of an access key is required, these and more options can be tweaked and most real estate professionals are unaware that other options or preferences exist.

When comparing the benefits over your standard combination lockbox, an agent must be able to justify the added cost of a smart-electronic lockbox by the value it provides. It’s easy to do so, especially when taking the seller’s best interests at heart, as the smart lockbox will ensure accountability and a better safety and security measure for the showing process and for the home itself. Its analytics information and the ability to control who can actually gain access to the home are tantamount to successfully being able to gauge the interest in a home by means of how many people are interested in seeing it as well as being able to rest assure the seller that a home is being shown but in the most secure manner possible.

During this most recent downturn in the economy, most real estate markets throughout the country were inundated (and some still are) with foreclosure property. Certain real estate brokerages that specialized in this type of distressed property had the best years of production on record for the 2008 and 2009 years. All of these properties that needed to be shown and sold needed lockboxes, but the value provided by a smart lockbox through Sentrilock or Supra didn’t justify the cost to acquire, as distressed-property brokerages had inventories of 50, 100, 200 or 300 properties at a given time. The smart lockboxes were too expensive, especially when taking into account that the home in question was owned by the bank, it was vacant and the analytics of showings didn’t matter when a given foreclosure property is selling in no time at all with multiple offers. If an agent is carrying even 50 listings with a smart lockbox, it entails $5000 worth of lockboxes needed on all the properties he/she has for sale. At this point, a less expensive combination lockbox from Lowes for $7 looks way better and the total outlay for the lockboxes is substantially less. It’s a combination of utility value and overall price paid from the standpoint of the real estate professional, so it begs the question, why are the smart lockboxes so expensive?

Put simply, the market will bear the current price point of both the Supra and Sentrilock lockboxes because the value they provide are well worth the cost. That being said, certain companies have come into existence that are poised to take advantage of the amount of agents that want to sell their used lockboxes as well as the agents out there who don’t want to pay retail for the lockbox(es) they need for their business. Blake Nolan, co-owner of San Diego based LockboxSwap has created a website where a secondary market has been created and regulated for both the Sentrilock and Supra lockbox systems. Nolan says his company can help agents buy or sell their lockboxes and in the process save time and money. „Right now there is no real place online that offers what we offer“ Nolan Says. He continues that „if you call into (any association) and ask about used lockboxes, or where to sell your own lockboxes, they say to go try craigslist or Ebay. We created LockboxSwap to address this vast and untapped market opportunity.“

Nolan’s‘ LockboxSwap company plans to unveil the business this summer, and preliminary beta-test users have offered rave reviews.

In the world of Realtor lockboxes, smart-lockboxes are preferred because the overall value inherent in being able to secure a home, controlling the use of entry and having analytical accountability far outweighs the alternative of your standard combination lockbox (or no lockbox at all) Although the 2 main players in the Realtor lockbox arena have 2 excellent products, both fall short of being 100% perfect. They both do some things quite well and have the capabilities that the other does not. It would be great to be able to merge both products and concepts together, but since that is not possible, it’s up to each individual Realtor association to interview and determine which company is a better „fit“ for them. At the end of the day, the 2 companies and respective products, although imperfect, represent competition between one another which keeps productivity and innovation high while keeping prices in check. Companies like that of LockboxSwap help to do this further by inventing and establishing the precedent for an industry that hereto has yet to exist, but has the ability to offer a cost-efficient alternative to Realtor professionals when it comes to their lockbox needs.

No matter what, it’s obvious the industry is moving in the right direction; we are witnessing technological advancements that help to serve Realtor professionals do their job better and more efficiently, and it is interesting to see what will be the norm in the near future as well as the long term. For now, Realtor professionals should be confident in knowing that while it’s great where we stand today, the future is only getting brighter.

Immobilienmakler Heidelberg

Makler Heidelberg

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