3 Ways to Protect Your Escrow Deposit (TWO )

Real Estate Naples Fl call 786-800-8646 are you looking to purchase a real estate call and we will help you! Estas queriendo comprar una propiedad llamanos y te ayudamos.www.NaplesRoyalProperties.com 
2-Get it in writing

You need to get written notice that your loan has been approved, and make sure the property doesn’tappraise for less than the purchase price.Given tougher lending standards since the housing and credit crisis, the appraisal/loan contingency is more important than ever. A contingency clause allows the buyer to receive full written approval from the lender, before moving forward to the closing. So, if your loan is denied for whatever reason, you can exit the contract and get your deposit back.If your loan broker isn’t willing or able to give you written notice that your loan has been fully approved, do not remove this contingency. If you do, you risk forfeiting your deposit. Some lenders will pull out or deny the loan at the last minute — like the day before they’re set to fund.To protect your deposit, grill the loan broker, and don’t feel pressured by the seller to move ahead. It’s absolutely appropriate to ask the seller for an extension if necessary. Everyone in the transaction should want to work together to make the deal go through. But if you sign off that you’re approved and then you’re denied a loan, you risk losing your deposit.An appraisal contingency should be added to the loan contingency as well. The property needs to appraise at no less than the purchase price. Some buyers have a larger down payment, and they may get loan approval even if the property appraisal comes in low. This isn’t good news. And as the buyer, you should be able to walk away or renegotiate the purchase price if the appraised value is less than the contract price.

3 Ways to Protect Your Escrow Deposit (FIRST)

Real Estate Naples Fl call 786-800-8646 are you looking to purchase a real estate call and we will help you! Estas queriendo comprar una propiedad llamanos y te ayudamos.www.NaplesRoyalProperties.com

1. Get to know the property

Every house, no matter if it’s a 100-year-old Victorian or a modern marvel, should have some type of inspection before it’s sold. Your contract should include a “contingency” for such an inspection, to protect you from unwittingly buying a money pit.In an older home, the inspector will look at the foundation, the roof, and everything in between. You can have specialized inspectors go to the property as well, such as a heating ventilation and air conditioning (HVAC) specialist, a pool inspector, a termite inspector, or a structural engineer if the property merits it.Even in a new condo, you’ll want to inspect the interior systems.Should the inspection uncover some problems, it’s time to decide if you can live with them or not. Inspection contingencies are often so general that the buyer can get out of the contract and have their full deposit returned. Some call it the “cold feet” contingency, because sometimes buyers walk after the inspection, even if there weren’t major issues.

3 Ways to Protect Your Escrow Deposit

Real Estate Naples Fl call 786-800-8646 are you looking to purchase a real estate call and we will help you! Estas queriendo comprar una propiedad llamanos y te ayudamos.www.NaplesRoyalProperties.com

You've handed over a chunk of money to show your interest in a home purchase. Make sure you don't lose it.You’ve made an offer on a property, the seller has accepted, and maybe you’re about to sign a contract. Now it’s time to put some money down to show that you’re serious about moving forward.The amount of money a buyer puts down (and when it’s put down) varies by state and local market. For many, it’s a few thousand dollars, up to three percent of the purchase price. In some parts of the country, it can be up to 10 percent.The deposit is a good-faith gesture to the seller, indicating you’re serious about buying their home. Once deposited, this money can’t be moved or touched without written consent from both buyer and seller. Upon the close of escrow, the earnest money deposit is applied to the balance of the down payment.Like price and terms, the deposit amount is negotiable. But if you put in much less than what’s customary in your market, it won’t fare well with the seller — particularly in a competitive market.That doesn’t mean you can’t get your deposit back — or lose it, if you aren’t careful. From the time you put up the deposit until you close escrow, a lot can happen.Here are the top 3 ways to protect your deposit.

No double standard for Clinton, FBI director tells GOP; State reopens investigation

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.
NUEVAS NOTICIAS. EL DIRECTOR DE FBI DIJO A GOP: REOPEN INVESTIGACION
ON HILLARY CLINTON. 35 minuts ago.

No double standard for Clinton, FBI director tells GOP; State reopens investigation

Tribune news services en Breaking News / South Florida Sun-Sentinel - Hace 35 minutos

Under an onslaught of Republican criticism, FBI Director James Comey vigorously defended the government's decision not to prosecute Hillary Clinton over her private email setup, rejecting angry accusations that the Democratic presidential candidate was given special treatment. To criminally charge...

The untold truth of Fixer Upper.

Real Estate Naples Fl call 786-800-8646 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.
HGTV's Fixer Upper is our favorite home improvement show to marathon on a lazy Sunday, and that's thanks, in large part, to the dynamic husband-and-wife duo of Chip and Joanna Gaines. He's goofy and lovable; she's laid back but all business. On every episode, Chip combines his real estate and construction know-how with Joanna's eye for design (and shiplap) to transform dilapidated homes into real estate and reality TV gold. That's lovely, but let's mine for the lesser known details about this record-breaking series and the couple who makes it all happen.

Read More: http://www.looper.com/14502/untold-truth-fixer-upper/?utm_campaign=clip

BUYING YOUR HOME!

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

If you're in the process of buying a home, or plan to do so in the future, it's in your best interest to get the keys when you close on the house (something Holloway didn't do) to help prevent this type of thing from happening. Denise Creswell, the president of the Greater Nashville Association of Realtors told News 2 that getting the keys at closing is particularly important if the seller isn't working with a realtor. McCrory, for example, did not have one — the transaction was a sale by owner.Creswell also told the station that buyers should not "panic or rush" into any purchases, given how hot the Nashville real estate market is.As you're searching for your home and the mortgage that will help you move into your dream house (assuming the seller vacates the property when they're supposed to, of course), it's a good idea to know where your credit stands. (You can view your credit reports for free each year at AnnualCreditReport.com and see your credit score for free, updated each month, on Credit.com.) Your credit is an important factor in what mortgage rates you'll qualify for and even how much house you can afford. And if your score isn't quite where it should be to get you the best deal, there are steps you can take to help improve it, like paying down credit card debt and disputing any errors you may find on your credit reports.

Woman buys Nashville house, but the seller won't leave MAKE AND EVICTION IN THE COURT HOUSE!

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

When you buy a home, you expect to move into it. Seems pretty straight forward, right? Well, things don't appear to be working out that way for one Nashville woman.Tamara Holloway closed on her house on June 1 but the seller, Justin McCrory, won't vacate the property, according to News 2.McCrory told a reporter for the Nashville station that he's lived on the property for four years and that he "technically [doesn't] have to go anywhere.""The transaction went through. They're getting a good clean property. What's the problem?" he reportedly said.Signature Title Services reported the closing processor sent an email to McCrory telling him to vacate the property. Holloway also filed a detainer warrant, the first step in the eviction process, to get McCrory out of her house, the station said."It's been a nightmare," Holloway told News 2.It is possible to put an amendment in the closing papers saying a former tenant could stay in a home past a closing date, but there reportedly isn't one in Holloway and McCrory's case.Grover Collins, a real estate attorney with Collins Law Firm in Nashville, is helping Holloway pro bono and told News 2 that it could take up to another 30 days before McCrory is out of the home for good.THE BEST IS MAKE  AND EVICTION IN THE CORT HOUSE!!

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

Star of the hit TV show "Shark Tank", real estate expert Barbara Corcoran shares 3 crucial rules on how homeowners can save thousands of dollars and pay off their mortgage faster.

"Shark Tank" Star Reveals Brilliant Mortgage Payoff Tip

Homeowners who have not missed a payment in 3 years should read this.

Learn More

ONESMARTPENNY.COM

A small city in one US state is giving away land for free

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

Kansas is known for its open spaces, and one city is giving away some of that space. However, to snag some of that free land, there's a catch — you have to build a home in Marquette, Kansas.

The city has certain requirements for new homes, like they must be at least 1,000 square feet and be on a basement or crawl-space foundation. The city of Marquette started giving away lots of land a decade ago. Various lots sit on 10 acres of land and range from 11,000 to 25,000 square feet.

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

 “The sooner is always the better”

These rates are still at near historic lows for now, but no one knows when the rates will rise - or by how much. So while it’s estimated that millions of homeowners can still save by refinancing, they should act fast. HARP is due to expire this year, so you can’t afford to wait. If you want to get the “ridiculous low interest rate” that Corcoran talks about, you have to act now.

How to Get Started

To cut through the clutter, Barbara Corcoran suggests that a great place to start is online, at The Easy Loan Site.5

Its network of lenders is one of the largest in the nation, and includes many HARP lenders. Plus, it enables you to save time and money by letting you compare multiple lenders at once. It’s a risk-free way to find out how much you could save, and the service is 100% free.*

Shark Tank Star Urges Homeowners: "Take Advantage of the Cheap Money!"

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.
1. "Not shopping the market...is like giving money away"

Did you know 70% of homeowners get all their mortgage information from their current lender? Big mistake. If you don’t shop around, you won’t know if you’re getting the best rate — and you won’t know if you qualify for a brilliant government program called the Home Affordable Refinance Plan (HARP).2

Even though 3.38 million mortgages have been refinanced through HARP, hundreds of thousands of homeowners are still eligible for this free government program, which could help you save as much as $3,500 in the first year alone.3     URGENT: HARP is set to expire this year, and sadly, many still perceive this program to be too good to be true. Remember, there is NO cost to see if you qualify for this amazing government program. 

See if you qualify >>   

2. “If you don’t take advantage of the market now, when will you?”

Even though The Fed raised rates in late 2015, rates are just as low if not lower than they were one year ago.4What does this mean for people like you? According to Corcoran, it means that now is the time for homeowners to “take advantage of today's cheap money.”

Princess No Longer On Speaking Terms With....REAL ESTATE SALES

Real Estate Naples Fl call 786-800-8646 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

  Princess No Longer Speaking To Queen! Sources close to Buckingham Palace have confirmed that there is trouble in the Royal Family. Apparantely a major altercation took place between the Duchess of Cambridge and the Queen. Read on to find out why!

Keeping the news under wraps for the time being, the two will no longer be seen together, only on rare occasions which will definitely be most awkward. The Queen is known to meddle in the couple's affairs, constantly keep tabs on where they are and what they are doing, obsessively seeking the couples presence almost every day. Kate was quoted saying, " I need my space, she is driving me crazy with her meddling!"

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad?

Prince William and Kate's 5th Wedding Anniversary     Five years ago today, millions of people around the world watched as the Duke and Duchess of Cambridge said "I will" in a royal wedding at Westminster Abbey.The world’s eyes have stayed focused on the young royals ever since, watching as William, 33, and Kate, 34, traveled the world and grew their family. As the royals mark their milestone today privately, at their Anmer Hall home, take a look at five momentous moments from their five years of wedded bliss.

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Kate Middleton, Prince William charmed by tiny dancer

Real Estate Naples Fl call 239-601-4176 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.NaplesRoyalProperties.com
Electronics is a good start in a new home!

Why Did No One Tell Drivers with No Tickets in 3 Years About...

This New Cheap Gas Rule?

Consumers beware – recent studies indicate that drivers are unfairly paying too much for auto insurance, and it's time someone took a stand.

Are you aware that your insurance could go up in the next few months the just because the price of gas has dropped? In addition, if you are currently insured and live in a qualified ZIP code you can get an extremely high discount. Probably not…as car insurance companies want you to be left in the dark. For a long time, there was no easy way to compare all of these huge car insurance companies. You’d have to check one site and then jump to another and put in all of your information all over again. Drivers would be stuck doing all the work to save money. Now, fortunately, all that has changed. Thanks to Provide Savings™, it is now so much easier to find the information you need. Just like Expedia or Orbitz saves you money on travel and flights, Provide Savings™ saves you money on car insurance.What exactly do you need to do? Here is one easy rule to follow. You have to compare quotes. Don’t even consider buying car insurance. Do it right now – compare today so that you aren’t accidentally costing yourself money. Drivers don’t always realize that car insurance agents make money from your premiums. So, the higher the rate they sell you, the more money the agent receives. Fortunately, there are a lot of smart drivers out there who figured out just how to cut down their insurance bill by using free internet tools to get honest and fair quotes. Provide Savings is an efficient source that tries to give consumers the lowest rates with tools you can trust.Provide Savings helps provide an easy-to-use and free service to give drivers across the United States a convenient way to save money. Just imagine what you could do with your the money you save! Save Money With Provide Savings™? Here’s How:Simply click on your state to check your ZIP code. After you enter your ZIP code and some driver information, you can view all of your discounted quotes from top-rated car insurance companies. It’s so easy and quick to put money back into your pocket!

Real Estate Naples Fl call 239-601-8460 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

How To Start A Profitable Blog 2016 ELECTRONICS, REAL ESTATE.

librehabanera.com Real Estate Naples Fl call 239-601-4176 are you looking to purchase a real estate call and we will help you!Estas buscando para comprar una propiedad llamanos y te ayudamos.

Real Estate Naples Fl call 239-601-4176 are you looking to purchase a real estate call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

Thalía - Brindis (En Vivo)

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Real Estate Naples Fl call 786-800-8646 are you looking to purchase a Real Estate. 

Call and we will help you! Estas buscando para comprar una propiedad llamanos y te ayudamos.

These six reasons to buy a new house before your current home sells might convince you to rethink the process.
Here are some considerations to help determine when to buy a house before selling your current one.

1. You enjoy knowing what’s ahead of you. If you’re the type of person who feels nervous leaping into the unknown, you may find you’re more emotionally equipped to part with your current home when you know you’ve got your next place lined up.

1. You have time to hold out for what you want. You won’t feel rushed into settling for a home that’s less than perfect just so you have somewhere to live (or because your friends are getting sick of your crashing in their guest room). You’ll be able to wait for the perfect house, whether it’s in the perfect neighborhood, has a perfect layout, or is the perfect price (or all three!).

1. You could still bring cash to the table. You may qualify for a bridge loan if your credit is good and you have enough equity in your current home. Bridge loans allow transitioning homeowners who haven’t yet sold their current home to access the money they need for a down payment on a new home.

1. You save on extra moving costs and hassle. If you sell your home before you buy the next one, you may wind up moving twice — first to temporary housing and then to your new home. If you buy first, you’ll need to move only once. If your temporary residence is small, like a studio apartment or a guest room in a friend’s house, you’ll also face storage fees for all your furnishings in limbo.

1. You have a safety net. Although it’s not as attractive to the sellers you’re buying from, an offer that’s contingent on the sale of your current home allows you to put your next house under contract while still giving yourself extra time to find a buyer for your current home. In theory, that’s the best of both worlds.

1. Your next home is too good to pass up. You’ve found your dream home, and the seller is extremely motivated. If you love the home so much that you know you’ll regret letting this opportunity pass you by, then it could be worth taking a leap.

It’s not uncommon for sellers to search for a new home while simultaneously hosting open houses to encourage buyers to make an offer on their current home. But while common, being both a buyer and a seller is difficult enough, and even more so when you’re trying to time a sale with the purchase of a new home. If your current home sells quickly, you might feel rushed into your next home purchase if you want to avoid a move into short-term housing while you continue your search.

While the prospect of paying two mortgages for your current home for sale in San Diego, CA, and a new property across the country may send shivers up your spine, there are some definite advantages to buying a house before selling your current home. Plus, if you take advantage of the protections in place for sellers who are also looking for a new home, there is little risk in purchasing a new home before your current home sale is complete.

How do you decide when to buy a house? Have you bought a new home before selling your current home? Share your experience in the comments below!