Warren Buffett on Real Estate

 

In case you haven't seen this yet, here is a great video where Warren Buffett gives a rare

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interview and discusses real estate, the strength of Berkshire Hathaway HomeServices, investments and more! Check it out!

Click HERE to view the video.

Sales of $1-Million-Plus Homes Went Through the Roof in California

 

I love hearing great news about California real estate! Last year, the number of houses sold at $1 million and above jumped to a six-year high in California!

In the strongest showing, the number of homes sold at $2 million and up set state, Southern California and L.A. County records.

Read the whole article

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at latimes.com and learn what is causing this increase in luxury property sales.

4 Tips for a Smooth Home Appraisal

 

Whether you’re refinancing your property or purchasing a new home, banks use appraisals to determine whether to back your loan.

Check out these tips on how to help bolster your home’s appraisal and ensure that the value comes in where you need it to be!

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finance.yahoo.com

 

8 Costly Home Seller Mistakes

 

 

When you sell your home, not only do you need to get your house prepared and in tip-top shape, but you also have to get yourself mentally prepared.

To get the most possible profit from your sale and for a smooth transaction, avoid these common, yet costly, seller mistakes: www.realtor.com

 


What the New Mortgage Rules Mean for You

New mortgage lending rules are being put into effect with the aim to put an end to the worst mortgage lending abuses of the past. These new rules are meant

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to lower the risk of defaults and foreclosures among borrowers. Mortgage lenders are being asked to comply with two new requirements: The Ability to Repay rule and

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Qualified Mortgages.

Learn how these rules will affect you: money.cnn.com

Report: 300 Markets See Home-Price Gains

 

Great news! According to the most recent Homes.com Local Market Index and Rebound Report, all of the top 100 local housing markets saw year-over-year increases for the seventh consecutive month. Standing out the most is the Western region of the the U.S. with nine out of the top 10 markets seeing year-over-year increases. Of the Western states, California has dominated with eight of the top 10 annual gaining markets.

Learn more about the report

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findings and read the full article here: blog.homes.com

 

 

 

 

 

Renovate & Repair Your Home Or Sell As Is?

 

 

When you are preparing to sell your home, should you renovate or repair is it better to sell as is? Many variables need to be considered when making this decision. Find out

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what factors you need to think about as well as who your target homebuyer is to be able to make a smart sell: blog.comfree.com

 

 


Housing Market Heats Up in Warmer Climates

 

According to the latest data from REALTORS® Confidence Index Survey, states in the West and South are expected to see

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home prices jump by 4 to 8 percent over the next 12 months! California is among a handful of states that are expected to have the highest price growth in the next year. Read the whole article at www.realtor.com and find out what other states are expected to see high prices.

Sale Pending: What Does It Mean & Should You Make an Offer?

Ventura County Real EstateBefore the days of online real estate listings, you knew a home sale was pending because you’d see a big red sticker across the “for sale” sign on the front lawn. But for home buyers searching listings online, it’s common to discover the words “pending” or “sale pending” only after you’ve already fallen in love with the photos, kitchen and location.

Many buyers assume that “sale pending” means the property is no longer available. The truth is, that’s not always the case. “Sale pending” can mean a few different things, depending on how a local market or a real estate agent works.

Here’s what you need to know to decide if a “sale pending” home is still worth pursuing.

Understanding ‘subject to’ and ‘contingent upon’

To understand what “sale pending” means, it helps to understand how a basic real estate transaction works.

A buyer generally makes an offer “subject to” or “contingent upon” a property inspection, a bank appraisal or full loan approval. In these situations, the buyer plans to close on the home but wants to be certain the property is in good condition and that financing can be secured. If the buyer can’t get financing, or there’s an issue with the inspection that can’t be worked out, the buyer has the right to exit the contract, subject to one of those terms.

A property with an offer may still be for sale

In some places, a home with some sort of contingency may be labeled as “active with conditions” or “active contingent.” Assuming all goes well, the buyer will move ahead with the sale. Typically, the buyer would have a week or two to complete the inspection and a few weeks to get an appraisal and loan, depending on the local market.

During this period, the seller is unable to

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enter into an agreement with another buyer, but the sale is not a “done deal.” What this means to another interested buyer is that there’s an opportunity for a “backup” offer. If the first offer falls through, the seller would prefer to go with another buyer who’s made a backup offer and is ready to go. Otherwise, the seller has to start over again — not an attractive proposition.

No more contingencies = ‘sale pending’

A sale that’s truly pending is one in which all contingencies have been removed. In that case, the buyer has had inspections and is ready to move ahead. The property appraised appropriately, and the buyer’s loan was fully approved.

At this point, the buyer removes all contingencies and is now “locked in” to buying the home. The final step is to move toward closing. This can take anywhere from a few days to a few weeks. Most agents won’t label a home “pending” until the buyer has removed all contingencies and the sale is a done deal. In this case, the sale is pending the final closing.

Still an opportunity?

Can a buyer walk away after removing all contingencies? Absolutely. The buyer isn’t the legal owner until the property has closed and the deed is recorded. From time to time, a buyer has an emergency and needs to exit the contract. Most likely, the buyer risks losing the earnest money deposit.

Is a ‘sale pending’ home worth pursuing?

If you love a property with a “sale pending” sign, it doesn’t hurt to give it a shot.

Find out about the status of the property. Has the buyer had the inspections? Did they go well? Any issues thus far? Have your

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agent ask the listing agent these questions to understand the current deal on the table. This will help you understand whether there’s a potential opportunity here.

Don’t get your hopes up when the home of your dreams has a “sale pending” status, of course. Instead, put the home on the back burner and follow the sale. Particularly in changing markets, buyers get cold feet or banks’ lending standards get more rigid, causing deals to fall apart. A smart buyer will make his or her interest known, so that if a deal falls apart, the buyer is right there, ready to step in.

Source: www.zillow.com

6 Tips for a Painless Closing

Closing on a house can be joyful or horrific. Follow this advice for a smooth settlement.

Ventura County Real Estate

You finally found the house of your dreams. You signed a contract and got approved for a mortgage. You've even hired the movers. Now comes the most important part: the closing.

In an ideal world, closing should be a mere formality, where homebuyer and seller sign on the dotted lines, exchange checks for the keys and shake hands. But this isn't an ideal world, which means that if you and the professionals you hired don't prepare,

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your closing could be a disaster.

Here are six tips for ensuring your closing goes smoothly.

1. Ask questions
Knowing what to expect and communicating with all parties involved in the deal are key to a successful closing, says Neil Garfinkel, a real-estate attorney at Abrams Garfinkel Margolis Bergson LLP in New York.

A week before closing, "talk to the people

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who are representing you, and tell them you'd like to spend a couple of minutes to discuss what to expect," Garfinkel says.

Don't be afraid to bother your loan officer or your real-estate agent, says Jeff Richardson, a real-estate agent at Alliance Bay Realty in Newark, Calif.

"Stay on them," he says. "Ask them 'Do you have everything you need?' Don't assume everyone knows what they are doing."

2. Anticipate human error
Richardson says he recently represented

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a buyer whose closing failed because of missing loan documents.

The buyer was a co-signer on his brother's mortgage, and the lender had requested 12 canceled checks showing that the brother, not the buyer, was paying the old mortgage. The buyer could come up with only eight checks, and the loan officer said that would be enough. That was weeks before closing.

"I kept saying that wasn't going to work," says Richardson, who also has worked as a mortgage broker. "The requirement is 12 checks. How can eight checks be sufficient?"

Three days before closing, the lender said it couldn't issue the loan without the 12 checks, and the deal was canceled.

"Sometimes people don't know as well," Richardson says. "I asked his loan officer, 'How can you give someone an approval letter when you don't have all the documentation?' And his answer was, 'Well, now I learned it.'"

3. Review loan documents in advance
One way to ensure all is going as planned is to tell the lender that you want to review the documents before closing, or ask your attorney to do so.

By law, you have the right to review the closing-settlement statement, or the HUD-1 form, at least 24 hours before closing. Compare that form to the good-faith estimate you received when you applied for the loan.

"You should have everything you are going to sign before you sign it," Richardson says. "A lot of people don't do that. When they get to closing, they are nervous, and they just want to sign and get the keys. That's how people get in trouble."

4. Take a check
Another reason to review the loan documents in advance is so you know how much money you must bring to closing. And yes, you will need a check at closing, most likely a certified one.

Many buyers are so anxious and excited that they forget they need to stop at the bank to get the check.

Using a wire transfer is an option, but it may delay the closing, says Rafael Castellanos, a managing partner at Expert Title Insurance Agency in New York.

"Some people think a wire transfer is faster, but the closing won't happen until they have actual confirmation that the wire hit," Castellanos says. "Depending on the time the transfer was made, it could be a huge problem."

The buyer must also bring photo identification and a copy of the homeowners-insurance policy, as well as the good-faith estimate, the HUD-1 statement or both, in case there are discrepancies.

5. Take the day off
A smooth closing may take less than 30 minutes, but you won't know for sure if your closing will go as planned until it's done.

"There may be delays, especially if you are closing at the end of the month," says Rob Nunziata, president of FBC Mortgage in Orlando, Fla. "Sometimes, people have to sit there for hours and say, 'I've got to get back to work.'"

Trying to close during your lunch break is a bad idea, Castellanos says.

"Imagine you get these delays, and you are on your lunch hour," Castellanos says. "Now you're hungry, you're frustrated and you're late. That's a pretty bad combination."

6. Expect the unexpected — including typos
You're at the closing table. You're told everything is good to go. All you need to do is sign.

You must double-check the numbers on the mortgage note you are signing, even if you have received the HUD-1 form before closing.

"One of the biggest holdups in closing is when the mortgage documents are incorrect," Castellanos says.

"Sometimes, you have to correct the interest rate, or the amount is wrong and you need to fix it."

Because of a simple typo, your loan documents may need to be sent back to the lender to be redone.

To prepare for these unexpected delays, borrowers should try to schedule their closings for earlier in the day.
And don't wait until the last day on the contract to close.

"You shouldn't get to that line, especially when you are buying a foreclosure or short sale," Richardson says.

Source: realestate.msn.com