May 5, 2008
The real estate market peak, summer 2005 was a great time to be selling a house. All you had to do was post a For Sale sign in the front yard and you could expect multiple offers within days. Many times you would receive offers from individuals searching for homes FSBO and also offers from home buyers who had representation by a real estate agent.
Well summer 2008 is just around the corner and the real estate market is very different from three years ago. If you take an afternoon walk in any major subdivision you will see real estate for sale signs lining the front yards of houses like mail boxes. In cities like Las Vegas, Nevada, Stockton, California and Detroit, Michigan you will be lucky if you find a house with out a for sale sign. These are the cities that have the largest declines since the market peaked in 2005.
So how long will it take for the real estate market to rebound? Real estate economists estimate that home building and prices of existing homes will not stabilize and start to increase until the middle of 2009. This corresponds to the history of real estate cycles. If you research real estate cycles you will find that they typically last 3 to 5 years. That is 3 to 5 years for the real estate market to go down and hit market bottom, and 3 to 5 years for the real estate market to rebound and hit a new peak.
If you own a home and can not afford to hold out for another the real estate cycle then you may be wondering, how can I sell my house now? Well, you are not alone in this predicament. With home buyers waiting on the side lines for home prices to bottom out you will have a hard time selling your home now. There is one way to sell your house if you are very motivated to sell.
You can sell your house to a local we buy houses company. They are basically local entrepreneurs who make a living by owning real estate. They are very knowledgeable in real estate and solving complicated home selling issues. If you are going through a divorce, need to stop a foreclosure, sell your house before your bank takes your property, or if you home is 100 percent financed and you have no equity, they have a home selling solution.
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Posted by Shaun G.
May 4, 2008
This article is to inform home owners of the best way to sell their house given the current real estate market. Everyone knows by know that the real estate market is very slow and anyone who wants or need to sell a home has a very large task ahead of them. The problem is some people need to sell their house, not just want to.
If you are a home owner and need to sell your house for what every reason you do have options. You see, I know that life happens. There are many life changes that can turn your house from your largest asset into your largest liability. If you are going through life changes like, loosing your job, need to stop foreclosure, needing to move out of state, going through a divorce, receiving a home through an inheritance, or any other life change that results in you needing to sell your house, then contact your local home buyer.
Local home buyers are real estate investors who buy houses quickly from people who need to sell them quickly. Many people make the mistake of assuming that real estate investors all need to get large profits from home sellers. This is not true. Even if you own more for your house than what it is worth, you can sell your house to a real estate investor.
Yes, even if you owe more for your house than what it is worth you can sell it. Have you ever heard a real estate agent say that they would buy your house. probably not. Real estate agents are compensated by home sellers paying them a percentage of the sale price of your home. Well if you have no equity how can you pay a real estate agent. That is why if you have no equity you need to contact a local real estate investor who is fluent in short sales and will buy your house.
A real estate investor who is fluent in short sales will negotiate with your lender and buy your house for what you owe. You can walk away from your house after the short sale and not have a nasty foreclosure on your credit. Foreclosures last 10 years on your credit you know. That means not being able to buy another house, cars, getting credit cards, etc. When you finally convince a company to lend you money you will pay a higher interest rate because you have a foreclosure on your credit.
So, you only need to due one thing to get the process started. Complete our home seller form and we will get you in contact with a professional home buyer in your area. You definitely need to make sure you work with a professional. Don’t make the mistake of calling those we buy houses signs on the side of the road. Work with a professional and you will have a very good change of selling your house fast.
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Posted by Shaun G.
May 2, 2008
The 2008 first quarter results are in and they do not look good. Foreclosures are up 23 percent from the first quarter in 2007. This marks record foreclosures across the nation. Now one in every 195 house holds is in some sate of foreclosure.
We are only four months into the year and already over 156,000 home owners have lost their homes to foreclosure. The real scary thing is that the foreclosure rate is not slowing down, it is actually speeding up. This means we will see more foreclosures each and every month. There were only 4 states in the nation that did not have increasing rates of foreclosure.
So where are the hardest hit areas? Nevada, California, Florida, and Arizona top the list with the largest amount of foreclosures and the trend does not look to be slowing anytime soon. One out of every 54 homes in Nevada is in a sate of foreclosure. This is amazing considering they are still one of the fastest growing cities in the nation. Many people moving to Las Vegas and other areas of Nevada are renting until they see the market bottom.
Many people are wondering if the newly passed government programs created to help stop those falling into foreclosure is helping. Despite all the effort the government has been putting into new bills and laws to help stop the foreclosure nightmare, it just does not have a chance against all the default loans. It is like sending trying to stop a freight train with one box car. The laws that are being created are taking time to create and are only helping a few home owners. They have no chance stopping the foreclosure momentum.
Even more disturbing is the fact that over 360 billion dollars worth of mortgages with adjustable interest rates is going to reset in 2008. This is only going to increase the number of foreclosures across the nation.
So what can you do if you live in Las Vegas, Stockton California, Detroit, or any other area and you are starting to loose your house to foreclosure. There is a simple and easy answer, sell your house. Now you might say, easier said than done right? Well it is in fact that easy. Even though there are not many home buyers looking for houses you still can sell your house.
The best way to sell your house if you are falling behind on payments or see the foreclosure monster coming your way is to contact a local professional home buyer. You see, there are many ways to sell houses and professional home buyers make a living from helping people sell their house, at no cost to you I might add.
Even if you owe more for your house than what it is worth, you can sell your house. Local home buyers will work with the banks to release the loans against your home and they will buy it from you, all this at no out of pocket expense. The problem is many people do not realize that professional home buyers exist, they think the only way to sell a house is through a realtor or for sale by owner, not true.
So, if you need to sell your house to stop foreclosure contact your local home buyer and receive a free offer on your house today. If you contact them today you could have an offer on your house within 48 hours. They can explain to you your home selling options and possible solutions. Then you just choose the right one for your situation.
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Posted by Shaun G.
April 29, 2008
When needing to sell a home many people want to know the least expensive way to sell their house and if they can possibly sell it at no cost. Well the answer is yes, but there is only one way.
When selling a home there are typically three ways to sell, FSBO, with a real estate agent or to a professional home buyer.
If you sell your house FSBO you will have out of pocket expenses. You will have to come up with money to get your home in good condition, money to marketing your home which includes, signs, flyers, placements in magazines, placement in news papers and so forth.
If you sell your house with a real estate agent you will obviously have to pay for their services, after all who can work for free. The typical real estate commission charged to home sellers is 6 percent. Depending on your homes current condition your real estate agent may want you to spend some money up front to fix up your house.
The one way to sell your house for free is to sell it to your local home buyer. Local home buyers are professional real estate investors who are always looking for ways to increase their real estate portfolio. They can buy your house quickly and with cash if needed.
The great thing about selling your house to a professional home buyer is that you have no out of pocket expenses. You do not have to fix your property up or market your property. Another large benefit is that you can have your house sold in a matter of days, not months like you would have if selling your home another way.
So if you are need to sell your house quickly in this slow real estate market and do not have the money to market it yourself, get a free offer from your local home buyer. They have home selling options for people in all home selling situations. They can help you stop foreclosure, sell your house quickly because of divorce, pay cash for a house that needs work, or buy a home because you are moving out of the area.
You can get in touch with someone who wants to buy your house by completing an online home seller form. You should receive an offer with in 48 hours and have no obligation to accept it. So, even if your home is over financed and you can no longer afford the payments you should contact your local home investor, you have nothing to loose.
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Posted by Shaun G.
April 28, 2008
Lets face it, the real estate market has changes and many of you got caught with high mortgage payments and now have a house that you can not sell, or can you? When the real estate market slows, the demand for houses goes down and appreciation stops. The majority of home buyers wait on the side lines for the real estate market to come back around.
If you own a home that you can not afford then you need to sell now, not a few years from now when the home buyers decide to buy. Well know that you still do have options. One great option to sell your house now, is to sell it to a real estate investor and then rent it back. Yes some real estate professionals do buy houses and then allow the home owner to rent it back.
The sell and rent back process is fairly simple actually. If your home qualifies then you sell your house to a professional home buyer, keep living in the house, pay rent, and if you decide you want to purchase the house in the future you have the option to.
The rent back option is great for home owners who are over extended and can not afford their mortgage payment. Possibly they purchased a home and now their mortgage is adjusting and they can not afford the new payment. Just contact your local home buyer, ask them to buy your house and let you rent it back. If your home selling situation works for the real estate investor then you will have no problems.
Another great thing about the sell and rent back home selling option is that you can find out if your selling situation qualifies quickly and painlessly. All offers by professional real estate home buyers are no obligation offers which means you have nothing to loose.
Who knows, you could sell your house this month, get your finances in order and buy back your how in a few months. Like I said the process is simple and can be done quickly. Besides, when the offer is a no obligation offer, you have nothing to loose.
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Posted by Shaun G.
April 28, 2008
Given the recent decline in the real estate market many home owners are wondering how their homes value is holding up and how it has been affected.
Now days there are great ways to tell your homes value but you have to know which ones you can trust, which ones are accurate, and which ones are quick and easy.
Here are the fastest and easies ways to find out what your house with worth if you were to sell it today.
The best and fastest way to find out what your property is worth is to complete a quick online form to receive an offer from your local home buyer. Many people do not realize that local home buyers exist in every major metropolitan area across the United States.
The easy online form will take you less than 1 minute to complete and is very quick. Once you complete the online form your information will be forwarded to a professional local home buyer in your area that is very knowledgeable with your local real estate economy. You will typically be contact within 48 hours to give you details on how much your house is worth if you would like to sell it today.
The offer you receive is a no obligation offer and all your information is confidential. Most often attached to the offer will be a market analysis showing houses that are similar to yours that have sold in the last 3 months. If you want to know your homes sales price would be if you sold your house today, contact your local home buyer and receive a free offer.
Many people like to find out what their house is worth by driving their neighborhood to see how much their neighbors are selling their houses for. The problem with this method is every house is different and most people make the mistake of looking at active houses on the market for sale.
When you determine your homes value you need to consider what homes have sold for in the past, not what they are currently on the market for today. Many times the asking sale price of a home is not what the home actually will sell for. Especially in this real estate market where home buyer are offering low ball offers to see how much of a discount they can get.
Another way people try to determine the value of their house is to look up their tax assessed value of their home. The value of the home is based on two numbers, the land value and the home or structure value. Many tax assessors estimates are not accurate and are either over or under estimated.
If you are wondering how can I sell my house and you need to know how much your house is worth, contact your local home buyer. It is the fastest and easiest way to determine your homes value with no obligation or effort.
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Posted by Shaun G.
April 23, 2008
It is happening again. Every three to five years the real estate market goes through another cycle and pessimism creeps into many. When the market is going down is it mostly caused by demand for new houses falling. The continuation in falling housing prices changes the psychology of home buyers so they stop buying. This process further decreases home prices and the real estate market.
Recent surveys by many consumer groups are reporting that consumer confidence is decreasing, foreclosures are rising and homes fore sale are sitting on the market longer. This all plays into the psychology of home buyers. People do not want to purchase a home if the value is going to continue to decline.
So, what does this mean for the average home seller? Well if you do not have to sell you are in good shoes. You can wait for another two to five years for the market to bottom, then wait for another three to five years for the market to come back up, then sell. So if you can hold out for seven or so years in your current home, you are in ok shape.
The major problem is life happens and for what ever reason people need to sell their house. Could be divorce, lingering foreclosure, job relocation, family issues, ready to cash out of an investment, health issues, the list goes on.
For those home owners who need to sell, you are in a harder home selling situation. You can not afford to wait for seven or so years for the real estate market to come back around. The good news is there are still ways in this slow real estate market for you to sell your house and move on with your life.
It doesn’t matter if your home is over financed or you have lots of equity. There are still home selling solutions that can solve your particular selling need. The first question you are probably asking is how can I sell my house if I have no equity. Well for this reason professional real estate investors exist in every major city in the nation.
Professional real estate investors exist throughout the country to solve complicated real estate problems. Yes they do have to make a profit to keep their business running but that does not mean they are going to steel your house. Many professional long term real estate investor just want to add to their real estate portfolio and hold properties for long term.
As a home seller in this real estate market I know you have other questions like how do I find out how much my house is worth, or how much is my property worth?
Well, probably the largest benefit from contacting your local real estate investors or home buyer is to find out how much your house is worth with no obligation to sell your house. In fact you can input your information over the internet and receive a home value and offer in less than 48 hours.
So the first step in find a solution to your home selling need should be to contact your local home buyer who is an active buyer in your neighborhood to determine your best selling solution. They will give you a free, confidential, no obligation offer for your house and you will know how to move forward.
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Posted by Shaun G.
April 16, 2008
Now that the foreclosure epidemic is in full swing, it is not just home owners who are getting slapped in the face. Hundreds of tenants renting homes across the nation are being evicted and forced to move with little or short notice from the banks.
The renters have no idea the homes they are living in are in preforeclosure status and are scheduled to soon be sold at public auction. The renters only find out when they come home to a notice posted on the front door stating they have 30 days to move or be forced to leave the house.
It all started when investors purchased houses as investments speculating they would go up in the near future. They purchased high end homes with larger price tags so they could make more money in a shorter amount of time. After all when housing prices go up by 10% you are much better off to having a $500,000 house than a $100,000 house.
Now many of those so called easy money real estate investments are falling into foreclosure and the banks are the ones evicting the tenants. Many tenants are in long term lease agreements and have been paying their bills on time for months. They also put down large sums of money as a rental deposit for the home they have been living in.
“I see this scenario on a weekly basis. Once the home owner or investor knows they can not afford the mortgage they keep collecting the rent checks but dont pay the mortgage and pocket the money”. Shaun Greer (Founder of ExpertHomeOffers.com a national internet company that connects motivated sellers with local real estate home buyers).
So the questions is,
Do you think the real estate investors or land lords are responsible for loss damages paid to the renter? After all moving your family in less than 30 days can be very hectic and these renters are also out their deposit.
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Posted by Shaun G.
April 9, 2008
The fourth quarter 2007 National Delinquency Survey results were released earlier this month and Idaho is ranked in the top 10 states with the lowest foreclosure rates in the nation. The National Delinquency Survey covers approximately 85 percent of more than 50 million loans in the United States housing.
The results show Idaho as having 268,029 residential mortgage loans being service, 3.86 percent of which are past due. 2.41 percent of the past due mortgages were at least 30 days late and .74 percent were at least 60 days late.
The report also sated at the end of 2007 less than 1 percent of Idaho home mortgages were in foreclosure, this is approximately 2,412 loans. With the continued real estate market slump, is estimated that the first quarter of 2008 will reveal higher numbers then the fourth quarter 2007 numbers.
The top 8 states with the lowest foreclosure rates in the fourth quarter of 2007 were;
- Washington
- Oregon
- Alaska
- Wyoming
- Utah
- Montana
- Idaho
So the good news is Idaho is among the top 10 states with the lowest foreclosure rate in the nation.
If you are behind on your payments and the possibility of foreclosure is looming, contact your local real estate investor. Local real estate investors are still purchasing properties in some of the hardest hit areas of the nation. They know your local market and can show you many avenues to sell your house, lease options, short sales, owner finance, and cash offers are all possible solutions to your selling need.
This data was collected from the Nation Delinquency Survey report.
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Posted by Shaun G.
April 7, 2008
January 2008 saw another large jump in foreclosure filings. Nationwide, filings for foreclosures jumped 57 percent, causing 45,327 homeowners to lose their homes to bank repossessions. This is yet another indication that our national real estate markets fears are far from over.
Although this increase was only a modest increase from the month previous, the increase demonstrates that despite recent attention paid to reducing the foreclosures, the financial issues in the real estate and mortgage industries are only deepening.
While there are an increasing number of mortgage assistance programs being developed at both the state and federal level, many of these efforts are only giving borrowers the opportunity to pay back their missed payments instead of lowering the monthly payments through interest rates and helping stop foreclosure. In essence, these programs could be a short term fix and ignoring the larger problem of interest rates that are too big for the borrower to afford. Lenders are claiming that they are restructuring their mortgages to offer lower or temporary fixed interest rates to reduce balances to help people save their homes for now.
Florida, California and Nevada had the highest rate of home foreclosures, which was not surprising with their real estate and mortgage industry histories. All three states showed record price increases and saw a large number of homes sold to investors versus primary residence owners. Nevada reported one out of every 167 homes was in a stage of foreclosure in January alone.
California is suffering the largest number of foreclosures with more than 57,000 on file. Florida trailed shortly behind with 30,000 filings of its own. Unfortunately, other states are now also seeing an increase in foreclosures, including:
- Maryland 430 percent increase in foreclosure filings
- Virginia 634 percent increase in foreclosure filings
- Rhode Island 279 percent increase in foreclosure filings
Of course, these three states have relatively low foreclosure filing rates to begin with, but these percentages show a startling trend towards increasing foreclosures in the area. Although Virginia has the highest rate of increase here, their numbers are still a quarter of the foreclosures that are seen in Nevada.
Lending laws and foreclosures are greatly varied from state to state, influencing the foreclosure filings significantly. However, with record filings being issued, many of the influences from non traditional mortgages are starting to show in markets nationwide. Some of these non traditional mortgages include subprime or hybrid adjustable rate mortgages that have mortgage rates that reset much higher often utterly unaffordable rates after two or three years with the lower rates. For this reason, borrowers are caught off guard and will default after just a few months after the rate reset. Interest only loans and option adjustable rate mortgages are also contributing factors to the foreclosure problems.
Although these non-traditional mortgages have all but disappeared from the market now, their effects are still being seen throughout the current real estate marketplace. They will lead to more increases in foreclosure filings in the future. Many say that the effects from these mortgages wont be straightened out until the end of 2009 at the earliest.
If you are in a home selling situation and are close to loosing your home to foreclosure you do have house selling options. Contact your local home buyer or local real estate investor see determine what option is best for you. Local home buyers existing in every major city in the nation and they purchase homes off all sizes, price range and condition.
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Posted by Shaun G.
How To Sell My House Fast 