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Contingencies in the Offer
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Contingencies in the Offer. Statistics show that 86% of buyers negotiate the contingencies of the offer through their own real estate agent, known as a buyer's agent. Rather than negotiating with the seller's agent or the home seller directly. Negotiating the final offer. The seller may respond to your offer in one of three ways: By accepting it, rejecting it, or making their own suggestion, known as a. Always take your time in considering a counter-offer. Closing and occupancy date. Typically, the real ...
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If Your Application is Rejected
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If Your Application is Rejected. Be aware of people promising quick and easy solutions. They may qualify you for a different kind of loan, but pay close attention to the costs involved and do not give in to the temptation to grab the first loan simply because you will be approved. Is unable to approve your application with the facts they have. Most lenders — if not all — hope to get your business if and when the problems have been addressed. Find out the exact reasons. Understand why the loan was denied.
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Deciding What You Really Want
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Deciding What You Really Want. The biggest, most expensive house on the street is usually not. Considered to be the best investment. The best investment potential is traditionally found in a less expensive, more moderately sized home on the street. After you have considered how much money you can put toward a down payment. And how large a mortgage. New versus older home. Current real estate and MLS. Are neighborhood schools a major factor in your home buying decision? Will you be paying for "more house" ...
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Preparing for the Closing
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Preparing for the Closing. The standard closing time-frame from the day you've accepted the contract, to the day you move in, is between 30 to 45 days. The first 10 days is usually set aside for the buyer to complete a home inspection. During this period, the appraisal is on hold, as well as the ordering of the title insurance policy. The final days and weeks prior to the closing. And the signed loan commitment letter. You may also find yourself embroiled in a lawsuit. Setting the closing date. And you a...
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More Home for Your Money
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More Home for Your Money. Increasing your purchase power. What if, after you have gone through the pre-qualification. Process, you are dissatisfied with the mortgage. Amount for which you currently qualify? Maybe you can see that your house-buying options will be fairly limited. While you may indeed need to lower your sights, and simply recognize that you'll have to buy a less expensive home, there are other ways to help increase your borrowing power. Reduce your existing long-term debt. If increasing yo...
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Your Real Estate Office | WHY Realty | Real Estate in Pinellas since 1982
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We are the independent real estate agents of. It is our goal to help you make the most of your home investment. David A. Harkey III, B.A., LRB. David is the Broker and owner of. He is a third-generation Realtor who has been active in Pinellas since 1976. In 2004 and is a licensed agent specializing in home investments and FMO conversions. Danielle has been a. Licensed agent since 2014 and has more than 10 years experience with mortgages and banking. In 2002 specializing in BPO and residential investment.
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As Closing Day Approaches
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As Closing Day Approaches. Are you going to be the sole owner, or are you buying the home jointly, either with your spouse or with one or more other partners? The name or names on the deed. Normally must be the same as those who are responsible for the mortgage. In the sales contract, you may already have specified the type of ownership interest. This is something you may wish to discuss with your real estate professional. The chief options are these:. You're the only owner. Tenancy by the entirety:.
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Negotiating the Purchase Price
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Negotiating the Purchase Price. If you are buying an existing house rather than a new house, a home inspection. By a professional should be one of the contingencies in your sales contract. In deciding how much you should offer, there are a number of factors you should consider:. Market value of the house. How does the asking price compare to the fair market value. Of the house, based on recent sales of comparables. You will need to obtain a comparative market analysis ( CMA. Condition of the house. Befor...