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February 03, 2012
Property
Owning property has been the foundation of America since proclaiming independence in 1776. Becoming a property owner has become considerably more difficult in the past four years as banks collapsed and mortgage providers repossessed homes in record number.
The level of foreclosure property is staggering, with estimates of over 6 million repossessed homes since 2007. While foreclosure rates dropped in 2011 they are expected to increase in 2012.
Real Estate Investing article on "Property"
January 27, 2012
Home Values
Determining home values is important for buyers and real estate investors. Although not the same as the asking price, the value of a home can increase or decrease depending on buyers' perceived 'value' of amenities.
Another factor that affects home values is data collected through comparable sales reports. Comp reports provide information about recent home sales in the area. They are relatively easy to acquire in markets where there is considerable activity, but are harder to find in rural areas or communities where people stay put.
Real Estate Investing article on "Home Values "
December 28, 2011
REO Property
REO property refers to real estate owned by banks. It can consist of residential homes, commercial real estate, or undeveloped land. Buyers' present purchase offers through real estate agents just as with any other type of transaction. The only difference is banks own the property instead of a private owner.
REO property can be a good choice for everyone from first time home buyers to seasoned real estate investors. These properties are typically priced below market value and sold with a clear title. All are sold 'as is' and the majority is in need of some degree of repair.
Real Estate Investing article on "REO Property "
June 02, 2011
Short Sale Act of 2011
The Short Sale Act of 2011 is back on the agenda for review by the House Committee on Financial Services. Previously, submitted as H.R. 6133: Prompt Decision for Qualification of Short Sale Act of 2010 this bill was bypassed by Congress last year, but expected to pass legislation later this year.
If passed, the Short Sale Act of 2011 will require mortgage lenders to respond to borrowers request for short sale approval within 45 days of written request. If the banks fail to respond within the time period the application will be considered approved.
Real Estate Investing article on "Short Sale Act of 2011 "
May 02, 2011
Improper Foreclosure
Improper foreclosure is something you'll be hearing about a lot. The media is abuzz over bank regulators launching a plan to provide monetary compensation to homeowners whose homes were illegally seized.
Improper foreclosure occurs when banks do not have proper mortgage assignment documents. In recent weeks, much has been publicized about mortgage lenders hiring robo-signers to forge signatures on loan documents; allowing banks to foreclose via fraudulent means.
Real Estate Investing article on "Improper Foreclosure"
October 02, 2010
Lease Purchase Option Agreement
A lease purchase option agreement can be beneficial for property owners and buyers. In today's real estate market it has become difficult to attract qualified buyers to purchase homes at market value. It has also become difficult for buyers to qualify for home mortgage financing. Lease options can be the solution both parties are seeking.
A lease purchase option agreement allows buyers to rent the property while building or restoring their credit rating. A portion of rent is contributed toward the purchase price which reduces the amount of funds required when buyers later obtain financing.
Real Estate Investing article on "Lease Purchase Option Agreement "
August 23, 2010
Foreclosure Property
An excess of foreclosure property could be the yellow brick road to the pot of gold for savvy real estate investors. A recent report published at CNNMoney.com deems investors who sweep in to purchase distressed properties as 'vulture investors', but in reality these individuals have learned how to capitalize on a downturned market.
Foreclosure property can consist of single- or multi-family residences, commercial real estate, or raw land. Previously, investors purchased foreclosure real estate primarily for the purpose of house flipping. Today, these properties are being purchased as rental homes to accommodate the millions of homeowners who lost their home to foreclosure and incapable of qualifying for mortgage loan.
Real Estate Investing article on "Foreclosure Property "
July 26, 2010
Online Investing
Online investing has become a popular way to establish and expand financial portfolios. Investors can purchase all types of investment products from the comfort of home. Trading stocks, investing in bonds, retirement contributions, and even real estate purchases can take place 24 hours a day, 7 days a week.
Numerous online investing companies exist. Some of the more popular include: Charles Schwab, Merrill Lynch, Fidelity Investments, and Vanguard. One good resource for learning the intricacies of online investing is InvestingOnlineResourceCenter.org. Visitors can learn how to avoid fraud, prevent being scammed, and protect financial investments, as well as locate investment resources.
Real Estate Investing article on "Online Investing"
July 02, 2010
Real Estate Market
The real estate market is unstable and rightfully so As property values continue to drop, many homeowners owe more on their mortgage loan than their home is worth. Others have taken out a home equity loan which prevents them from reducing their asking price and lessen their chance of finding a buyer.
Investors worry about the real estate market and the toll it has taken on their return on investment. The past few years have been challenging for investors who buy homes and commercial real estate. Declining property values and increasing property taxes have eaten away profit margins.
Real Estate Investing article on "Real Estate Market "
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