Immobilienfinanzierung Digital

Best Road Trips for Adventure: Explore the edges of the map on these remote roads.

Classic American road trip destinations, Death Valley and The Pacific Coast Highway both have names promising adventure. Death Valley and the ghost towns, narrow canyons and open deserts around it are like an invitation for tough guys and people looking to escape society’s bars, while the Pacific Coast Highway promises the clear beauty of American beauty oceanside – dramatic cliff-faces, beaches, secluded coves, mountainous forests, and protected wildlife.

Best Road Trips for Luxury: Wind in your hair freedom in style.

These road trips are made for honeymoons. Best case scenario the car is something sleek, open topped and Italian. The clear seas, bright villages and stone churches of the Amalfi Coast between Positano, Sorrento, Ravello and Amalfi, are well stocked with small boutique hotels, hidden coves and intimate cafe terraces on which to watch the sun go down, and make for the classic eloper’s dream. A trip along the French Riviera between Nice and Monte Carlo reeks of playboy chic, especially if you happen to win money in any of the casinos lining the route. For lovers by title, the Romantic Road from Heidelberg Castle to Neuschwanstein Castle, runs along the old trade route between medieval towns and fairytale castles.

The Karakoram Highway follows the route of the old silk road up to one of the world’s highest altitude passes amongst some of the world’s highest scenery round K2, Nanga Parbat and Gasherbrums I-IV. The Carretera Austral or Southern Highway runs on a largely unpaved odyssey through Patagonia, stopping at remote towns along the way.

Journeying between Marrakech and Essaouira via the Atlas Mountains is going a bit out of your way, but the trip south, through spectacular desert scenery, amongst the snow capped sky scrapers of the Atlas Mountains and along ridges over lush, hidden valleys will take you to the edge of the Sahara, as well as into the Atlases before the coast lays out in front of you at Essaouira.

Best Road Trips for Sightseeing: Drive by some of the world’s best sights.

For scenic days packed with distractions and attractions and evenings spent in comfortable B&Bs, a trip along Ireland’s Antrim Coast Road, past the Mourne Mountains, Carrickfergus Castle, Bushmills, Dunluce Castle, the Giant’s Causeway and the Glens of Antrim, or on America’s Blue Ridge Parkway, though the Great Smoky Mountains, are great family road trips.

Finland’s 1000 Lakes Trip is an eight or nine day Scandinavian family classic. Ex Helsinki it weaves around the beautiful lake country, between the 187,000 lakes, with overnight stops in cozy country towns. The Reykjavik to Akureyri Route by Geysir, the Reykjanes Peninsula and the Snæfellsnes Peninsula is another excellent choice for sightseeing and you can do it in a day, taking snaps along the way or go slow and admire the sites.

Hawaii’s Hana Highway, from Pa’ia to Hana, is a much shorter trip, but with plenty to see, from bamboo and eucalyptus groves by waterfalls to panoramic views of the Pacific Ocean that you’ll remember for the rest of your life, while the Overseas Highway from Miami to Key West, which runs for 113 miles over 43 long, flat, straight ocean bridges, is the road trip equivalent of island hopping.

Best Road Trips for History: Retracing historic routes.

Follow in the unpaved footsteps of Che Guevara between Santa Cruz and Vallegrande, as he travelled though Bolivia and was finally laid to rest, or trace the Viking’s first inroads into Canada on the Viking Trail. Past the Norse landing site at L’Anse aux Meadows, and though the Gros Morne National Park, for the rock art and remains there, this trip also passes between pretty coastal towns most of which have a local Viking museum in which to house the local relics.

Route 66 is the classic road trip route into American folklore, following the old commercial route between rural villages. From the fields of Illinois, Kansas and Oklahoma, to the deserts of Texas and New Mexico to the coastline of California, this road is also referred to as Main Street USA.

Immobilienmakler Heidelberg

Makler Heidelberg

We are a full-service real estate company offering the most comprehensive real estate services available in the market, and we go the extra mile to assist our clients on a daily basis. We work tirelessly on your behalf to make your next buying or selling experience a pleasant and successful one.

Our services include working with both buyers and sellers in a wide array of markets including residential, commercial, land, and other related property types.

Our company is dedicated to serving your every real estate needs. We are committed to providing a superior level of service in order to ensure a smooth and beneficial outcome to each and every transaction.

Buying

Selling

Renting

Financing

Investing

Our team maintain exceptional knowledge of the local markets, outstanding negotiating skills, and the experience necessary to give you the service you deserve. Professionalism, dedication, and knowledge make us the perfect choice when selecting a realtor.

We provide outstanding exposure to your property through both traditional means of advertising while maintaining a comprehensive approach using today’s modern techniques including web advertising.

We will work with you to find your ideal home by using a wide array of resources and we will make sure all your buying needs are met.

we will utilise our outstanding negotiating skills in order for you to receive the best possible price for your new property. We look forward to serving all your buying needs.

Buying or selling your home will be an enjoyable and rewarding experience when you work with Kargil Properties and their innovative and effective methods for generating successful results quickly and efficiently.

A Commitment to Excellence

Our Firm’s philosophy is simple – we understand and care about people who ask for our real estate service. We make a commitment to your entire family. We find homes for families – homes and neighbourhoods that meet our clients‘ dreams and desires. We sell homes for families at the highest fair market value possible. That’s the reason our clients return again and again.

If you would like to consider us to fulfil your real estate needs, please fill out the following form below. This will help us to understand your specific real estate needs.

Office Address:

Kargil Properties

Lane Number 5, New Airport Rd,

Viman Darshan, Pune,

Maharashtra 411014

Open 7 days a week from 10:00 am to 8:00 pm

Owner And Director Of Kargil Properties:Mr. Sanat Thakur is an Ex- Army person, Motivational Speaker, NLP certified Trainer& Life coach, Successful Entrepreneur.

Immobilienmakler Heidelberg

Makler Heidelberg

Role of a Real Estate lawyer

First your lawyer will send you a letter outlining what documentation he or she may need from you. Since you will likely be paying at least $1300 plus for legal services, I think it’s important that you know what your lawyer will be doing for you! Below is some detailed information on the role of a real estate lawyer and on what you need to do when working with your lawyer and securing a mortgage. Don’t wait to higher a lawyer just before you taking position of your new purchase, make sure you interview them way before your closing date.

Your Real Estate lawyer should advise you what expenses you’re likely to incur with respect to the closing procedures, including:

Land Transfer Tax

disbursements

legal fees

property tax

If you’ve bought a new home from a builder, the Real Estate lawyer can give you an educated estimate as to how much you should budget for „hidden charges“ such as:

Ontario New Home Warranty Enrolment Fee

Hydro and Water meter installation charges

Fencing charges

Grading Deposit charges

many others

If all the conditions in the Agreement have been met and the Offer is firm, the lawyer proceeds to investigate the title to the property. Initials searches include:

utility searches

property tax searches

building, zoning and planning searches

registered title searches

Letters are sent by your lawyer:

to all municipal or regional utility departments to confirm that there are no arrears or outstanding charges

to ensure there are no conditional sales contracts, easements or unregistered agreements, liens

to discover other encumbrances affecting the property or equipment being left by the Seller

Easements are a big issue and cases are always being written up in the newspapers and real estate journals, about buyers who didn’t realize they weren’t allowed to put up fencing or create a parking space because the property survey they were working from didn’t actually show the City’s rights to access the property. Your lawyer’s job is to make sure all this is disclosed to you. Your lawyer will also advise the utility departments of your name and the scheduled closing date, and request that final meter readings be done on the closing date so the final bills can be sent to the Seller.

A Tax Certificate is requested by your solicitor to verify the amount of the current year’s taxes and to ask about any arrears and outstanding charges for taxes. Your lawyer will also write to the Building and Zoning Department to get the full particulars of zoning by-laws and restrictions and permitted uses (so you’ll know if you’re allowed to operate a business from your home or build a huge deck, for example). It’s important that you send your lawyer a copy of the survey for the property as soon as possible – if the Seller has a survey, I’ll get it for you if it’s not already included in the offer documents. If no survey exists, tell your lawyer so he/she can advise how your interests can be protected through Title Insurance.

A Search of Title to the property is begun in the Land Registry Office to make sure the Seller is the true owner of the property, has the right to sell you the property, and that the property is not subject to any encumbrances, encroachments, easements, liens, agreements or mortgages that were not disclosed in the Agreement or Purchase and Sale. You may have heard of fraud cases where people’s homes were sold out from under them by con artists who had no title to the land! This is where your lawyer really earns his fees. This search has to be completed prior to the Requisition Date (title search date) shown on your Agreement of Purchase and Sale.

Other important functions of your lawyer include:

Carry out a search of Executions in the appropriate Sheriff’s Office to ensure that there are no executions against the prior owners of the property that would affect your title.

Prepare and deliver a letter to the Seller’s lawyer requesting that any items revealed in the initial searches be dealt with on or before closing.

Review the contents of the Mortgage Commitment letter your bank will prepare when you arrange your financing, and consult with you about the results of signing it.

Advise you of any closing-day costs related to mortgage financing when your financial institution provides you with a final Mortgage Commitment Letter.

If your lawyer is also acting on behalf of the financial institution (it often happens), he/she will prepare all necessary documentation for the mortgage and submit this package to the financial institution for approval prior to closing:

– Certify title of the property to the financial institution on closing.

– Advise you about any government programs designed to assist home buyers that would apply to you, including Land Transfer Tax Rebate programs, Ontario Home Ownership Savings Plans, RRSP plans, and CMHC 5% Down Payment information.

– Let your insurance broker know the name, address, phone number and fax number of both your lawyer and of the financial institution providing your mortgage. Your lawyer needs a letter confirming that insurance coverage is in place effective on closing – this is super important because the bank will not advance the $ to close your purchase until they know that you have property insurance.

Immobilienmakler Heidelberg

Makler Heidelberg

Catchy taglines are everywhere in advertising. Whether they rhyme, or they inspire, or they create a memorable image, taglines are something every advertising agency works hard to craft. How many of us know, „Like a good neighbor“ or „Just do it“? While you might not create a slogan as memorable as those, you should be able to come up with something that your local clients will always think of. Need a little inspiration to get started? Here are some suggestions for slogans and ways to get the creativity rolling.

When you do come up with a slogan, you need to use it throughout your advertising and on your website. That way, people will be faced with the association frequently and they will be better able to keep your name and the slogan together.

Your slogan should be short and sweet. Try your best to keep it under eight words. Anything longer will just deter people instead of drawing them in. It should also make sense for the brand you are creating.

One thing you can do is come up with a rhyming slogan. Case in point – a Realtor named Scott Geller tagged „The Home Seller“ after his name and because it rolls off the tongue so smoothly, it has become all one phrase. And, that makes it easy to advertise. His word of mouth campaign keeps his advertising costs low.

Your slogan should make a tug on the heartstrings, too. You are taking part in one of the most important events in a person’s life. By letting your customers know what you can do in terms of customer service, your slogan will help quickly convey what you can do. Consider something like, „Jane Smith – Helping Your Family Make the Right Move“.

Avoid any slogans that are bland or generic. They won’t work to set you apart from your competition, and they might even work against you. If your slogan is generic, your potential clients might think you are, too, and that you won’t be the best agent they can find. Think about something like, „I’ll take the stress out of your home buying experience“, or „Call the Carson City condo specialist“.

You can also consider your location for your slogan. When you add in your place, it not only helps make you the personal expert for someone, you also boost your search engine ranking.

Creating an image in your potential client’s mind is an effective slogan, too. Assuring your client you can solve the mystery of home buying or be their personal navigator makes that slogan unique and memorable at the same time.

If creativity is still escaping you, you can contract this process out and hire a professional. Some will even blend the slogan into your total advertising plan, and not charge you too much for it.

Now, if you come up with a slogan and you test it on your friends and family but you receive a negative reaction, be ready to set that slogan aside and pick something else. You should also not take it personally. Try out another one and keep going until you do find one that is well received.

Immobilienmakler Heidelberg

Makler Heidelberg

„Data is the new gold mine!“ The statement holds huge significance when it comes to today’s business world. The current corporate arena is largely operated based on data-driven decisions. You might be surprised to know that each day, about 2.5 quintillion bytes of data is being generated. That’s certainly a massive amount, isn’t it! Now just think what would happen if owing to some system malfunction or any other issue, all this data gets lost. It would be a huge mess for businesses and would cost them a lot. This is the key reason why there is a substantial demand for Data Scientists in the job market. In fact, the job profile of a ‚data scientist‘ is already declared to be the most sought after profession in the 21st century. It’s hence the right time for you to ride the growth and build a career that you will be proud of.

Wide Acceptance of Data Science

With Big Data being implemented in almost all spheres of our lives and in the near future, there wouldn’t be any business organization that can afford to ignore the importance of data science. If they do, chances are high that they would lose out on their competition. Smaller companies with adequate data handling skills will triumph over larger corporations with limited data knowledge and experience. Even the start-ups are not losing any opportunity of making data-based decisions. The business world has very well understood the relevance of data science in the modern scenario. If this enormous pool of data can be examined and calculated using a scientific approach, it can help the organizations derive to meaningful conclusions, which directly means better business decisions, more profits, higher ROI.

More Data, More Jobs, More Salary

Be it start-ups or giant corporations, no company exists in the modern age that doesn’t rely on data and analytics for taking business decisions. As per the reports published by McKinsey Global Institute, about 40 zettabytes of data would cover up the internet by the year 2020. This will facilitate a sharp rise in demand for Big Data and Data Science professionals. With more time, the popularity of Big Data shall reach a new level as more companies would start adopting this lucrative opportunity for business growth. With the high demand of qualified professionals and lower supply of the same, as per the economic principles, the salary structure would be quite attractive. It is a given fact that the data scientists are the ones who get higher paying jobs as compared to other engineers and people working on similar job profiles.

Besides, when we are talking about data, how can we miss the opportunity to show some data related to the profession of a Data Scientist? According to a report published by an online education portal, there has been a dramatic rise noticed in the listing and application for jobs related to Data Science. There is a whopping 200% year on year increase in search for ‚Data Science‘ jobs, while at least 50% year on year rise has been noticed in the listing of such job requirements. It is hence, evident that Data Science is here not only to stay and survive but to thrive and rule.

Higher Salary Potential

Data Analytics skills are the demand of the hour. Almost every industry is in dire need of skilled professionals who have adequate knowledge to manage the data properly and conclude to meaningful results that will enable businesses to take their operations to an entirely new level. Having said that, it is pretty clear that only trained professionals can gain maximum exposure in this data-driven era and enjoy greater salary structure.

According to a research report published by an international organization, the average annual salary of data scientists globally in the year 2015 was $130,000. Now, the demand has grown even higher, and the salary structure has also increased to a greater extent. In India, the average salary structure for Data Science professionals is quite lucrative. An Analytics professional in India can take in as much as INR 15 lakh per annum in the initial years which goes further higher with experience. The most interesting factor is that Data Science is not only popular in India, but other foreign markets are also seeking highly trained professionals. Hence, if you have the talent and relevant knowledge and are ambitious enough to grow and succeed, Data Science offers you the perfect opportunity to realize your dreams.

At TimesPro, we have partnered with industry experts like Google, Intel, Flipkart, and Fractal Analytics to create a results-driven, comprehensive professional learning program on Data Science, encompassing the core concepts of Data Science, Machine Learning, and Artificial Intelligence. At TimesPro, a Top-Ranked Data Science Institute in Bangalore, we promote a learning environment where students are not only introduced to the essentials of Data Science but are rather prepared to step into the industry with immense confidence and amplified potential. We believe that it is the constant practice that makes an individual adept at his/her job role. That’s why, at our campus, we ensure that our students have enough industry exposure and have in-depth insights into the deep-seated challenges, as well as their solutions. The future world is about to be extremely dependent on how we use data. Hence, our aim at TimesPro is to create industry-ready professionals who can utilize the mounting opportunity and rise with the growth of the industry.

Immobilienmakler Heidelberg

Makler Heidelberg

If you are a real estate professional, you understand, and realize, there are many duties and responsibilities, associated and required of a licensed professional. Some of these are described in specific state laws, and statutes, while others are explained, in the Realtor Code of Ethics, as described by the National Association of Realtors (NAR), and/ or state associations! However, for the sake of simplicity, let’s review 5 ways, Realtors, specifically, owe their allegiance to their clients.

1. Fiduciary responsibilities: What specifically are the fiduciary responsibilities, a real estate professional, owes to his clients? This starts with, never disclosing any factor, which might negatively impact your client (Of course, this does not include, disclosing material necessities and issue, which must be fully disclosed). Some of these issues include: a client’s reasons for moving; any financial stress, your client may be having, which might weaken the negotiating status; etc.

2. Best Interests: The simplest approach might be to ask yourself, if what you are doing, serves the best interests of your client! Will you fully articulate and explain, what someone needs to know and understand? Will you proceed with empathy, in order to better focus on addressing your client’s expectations, so he remains calm, and does not proceed with excessively, unrealistic expectations? Are you ready, willing and able to listen effectively, ask the appropriate questions (and follow – up), and proceed with empathy?

3. Best Practices: Have you focused on the best way to proceed, in order to make your client’s experience, a more positive one? Will you take advantage of the best practices, which include: using technology appropriately; being empathetic; professional negotiating; understanding the local market; and proceeding with the skills, abilities and practices, which will best benefit your client?

4. Quality negotiations: What will you do, before, during and after, to assure, your negotiations are as efficient and effective, as possible? How will you be certain, to avoid some of the pitfalls, which include: talking too much; listening too little; tipping your hand; or proceeding with illogical expectations?

5. Integrity: There can be no commitment to allegiance, unless one maintains absolute integrity! How a particular scenario benefits you, should never interfere with your ability to prioritize your client’s best interests, etc!

Will you proceed in a quality, empathetic manner, and prioritize allegiance, to those you represent? Those who do, will possess the proper form of ethical behavior!

Immobilienmakler Heidelberg

Makler Heidelberg

Buying a home is a big step in your life and should be a very exciting time. Unfortunately, many individuals rush into buying a home with out considering the implications is has on their future. If you’re considering making the move to own it’s important you weigh all the options, and consider what if anything will affect the feasibility of you’re purchase. If this is you’re first time in the housing market consider the following before you make your big move.

1. Get Your Finances in Order

   Have a lot of debt racked up? If thats the case, you may want to play catch up before you even think about buying a home. Bad credit is bad news for those who want a buy a new home. In most cases you will need to get a mortgage before you buy and this means your credit will be under scrutiny. Start getting acquainted with your credit score and begin fix the problems well before you apply for a mortgage.

2. Think about the Future

   If you have a job or other obligation that may require you to move or travel for extended periods of time you want to think twice about rushing into the housing market. Buying a house is a commitment that will tie you down to a particular location for at least a few years. It’s not easy or economically feasible to pack up and sell your home at the drop of a hat.

3. Educate Your Self

   As a first time home buyer one of the worst thing you can do is go into the market unprepared. Familiarizing your self with words and phrases that are used will allow you to better comprehend the market. A better understanding of the home buying process will enable you to make a well educated decision when it comes to you’re final purchase. Entering the market blindly can turn you’re home buying dreams into a nightmare.

4. Be Rational

   We all want to live in the home of our dreams. Unfortunately, like most things in life, the housing market must be approached from the bottom up? Renting is the start of the home owners journey. With your dream home serving as the final destination you will most likely need to take a few stops on the way there. The logical step is to buy a house you can afford not one that lands you in economic turmoil. Consider your first home an investment that you can improve upon over time. Once the home is improved you can sell it and bring yourself one step closer to your dream home. Buying out of your league can be a huge problem so set a budget and find a home within your means.

5. Ask For Help

   Don’t be determined to have a go at it alone. Buying a home is a complicated process and sometimes it really helps to have someone walk you through it step by step. Agents are more than willing to help you look through home listing, find what your looking for, and ultimately take you from start to finish.

Immobilienmakler Heidelberg

Makler Heidelberg

1) How much of a Down Payment do I need to come up with?

In the recent past, people used to think 20% down was necessary to qualify for a home loan or to have a reasonable mortgage payment. For the most part, this is no longer the case. There are many types of mortgage programs that allow for low down payment options or no down payment in some cases. You also don’t have to be a first time home buyer to qualify for these programs either.

FHA Loans are one of the most popular types of mortgages applied for in today’s market, this is mainly because of low down payment options and the flexible qualifying requirements. Without down payment assistance, you just need a minimum of 3.5% down. A lot of people think FHA is strictly for first time home buyers, but that is not true. it’s a government-backed home loan, but they don’t require you to be a first time home buyer. FHA stands for Federal Housing Administration.

Conventional Loans have been gaining a lot of traction over the last few years and will soon replace the FHA loan program as the most popular loan product on the market. Conventional loans allow for a minimum down payment as low as 3% down and also allows for several creative ways to buy out the monthly PMI (Private Mortgage Insurance). This strategy helps reduce the monthly payments while increasing your buying power.

Minimum Down Payment requirements for each loan type below:

VA Loans – No Down Payment required

USDA Loans – No Down Payment required

FHA Loans – Minimum 3.5% Down Payment required

Conventional Loans – Minimum 3% Down Payment required

You can use gift funds for any of the programs listed above. Also, If you are a first time home buyer be sure to ask your loan consultant if you qualify for any down payment assistance program.

2) What Credit Score do I need to qualify for a Mortgage?

Aside from income verification, one of the biggest determining factors in qualifying for a mortgage is your credit score. The higher the credit score the better your chances will be in qualifying. When a mortgage company or bank checks your credit for a mortgage application they will pull what is known as a tri-merge. That is when a credit report is combined with data and individual scores from the 3 major credit bureaus. Equifax, Experian, and TransUnion. The middle of the 3 scores will be used to determine your qualifying score. Ideally, you want to have a middle credit score of 680 or above. In most cases, the higher your credit score is, the better your rate and terms will be as well.

There are minimum credit score requirements for every loan program, but to ensure you get qualified for the most competitive terms it is important that you do everything you can to learn how to increase and improve your credit.

Below are the minimum credit score requirements for each loan program:

VA Loans – 620 (some lenders may allow for as low as 580+)

USDA Loans – 620

FHA Loans – 580

Conventional – 620

3) What are the Income Requirements and Guidelines for a Mortgage?

Proving your ability to repay the loan is one of the most important requirements in the qualifying process. That is why showing sufficient and consistent income documentation is crucial when going through the pre-approval or qualification process. If you are a W2 employee and paid a salary then the verification process is fairly simple. However, can be more difficult for people that receive and/or rely on commissions, bonuses, overtime, etc. For borrowers that are self-employed and/or receive a 1099 it can be even more difficult and complex especially since you can have a lot more write-offs and deductions when you’re self-employed.

First and foremost you need a 2-year work history to even qualify using any income source. However, for full-time hourly or salaried employees that doesn’t mean you have to be at the same company or industry for 2 years. That used to be a requirement but not anymore unless the lender/bank has their own overlay. If you receive and want to use commission, bonus, overtime or other types of income then you have to show a minimum of a 2-year history and the bank/lender will use a 24 month average for qualifying purposes. Self-Employed borrowers are now able to qualify with 12-24 months bank statements for certain nontraditional (non-QM) loan programs.

Qualifying Income Sources:

* Full-Time W2 Income/Salary

* Income from Part-Time Jobs (must be at the job for a minimum of 1-2 years in some cases)

* Income from a second full or part-time job

* Overtime, Commissions, Bonuses (must average over 24 months)

* Seasonal (must prove 2-3 years consistency)

* Self-Employed Income

* Bank Statements (12-24 months)

* Permanent Disability

* Retirement/Pension

* Child Support/Alimony (Sufficient documentation required)

* Asset Depletion

What are the Required Documents Needed?

There are specific required documents needed that your loan consultant will request in order to process your loan approval. You should at least have the below list of documentation readily available and be ready to provide more depending on your particular situation.

* Complete Federal Personal and/or Corporate Tax Returns for the past 2 years (ALL SCHEDULES)

* W2’s for the past 2 years

* 1 Month worth of Pay Stubs

* Bank Statements (may need anywhere from 2-24 months)

* Retirement/Pension and/or Social Security Award Letters

* Disability Award Letter

* Divorce Decree

* Business License

* Asset Documentation

Immobilienmakler Heidelberg

Makler Heidelberg

If you are going to buy your first home, you may be excited as well as nervous. This process can be full of complexities. Therefore, you may want to be properly prepared in order to make sure that you buy the best home to satisfy your needs. Given below are some common mistakes that you may want to make during this adventure.

1. Not doing Proper Research

First of all, you may want to understand the needs and finances of your family. For this purpose, you may want to analyze your assets and liabilities. Once you are approved for finance, you can go ahead and start your search for the right house. You should be familiar with your neighborhood as well. Make sure that your neighborhood has quality schools, transport facilities, and other amenities.

2. Opting for the Wrong Mortgage

Before you look for the best house, you should be in the best position to negotiate. Make sure you choose your finance package after proper research. You may also want to use the services of an independent finance broker in addition to your bank. These institutions have access to a lot of finance products and lenders.

3. Waiting too Long

There is no doubt that the prices of real estate properties continue to fluctuate based on the rule of demand and supply. However, if you just keep waiting for the prices to come down, you are putting the future of your family at risk.

So, what you need to do is set your budget considering your future needs. This will help you buy the right house at the right time.

4. Crossing your Budget Limit

It is not a good idea to go beyond your budget limit. You may want to go for a property that can satisfy your budget. Even if you like a house, you should only go for it if it falls in your price range. After all, you don’t want to get in trouble down the road.

All of us want a little more than we can actually afford. So, no matter what your real estate agent suggests, you should never be tempted. Spending more than what you can afford can put you in financial trouble in the near future.

5. Falling in Love

If you have found a house that you have fallen in love with, make sure the seller’s agent does not get even a hint of it. Typically, agents are very smart, which is why they can read your emotions. If you cannot afford a house that you just love, don’t just pay more than what you can afford. You can find a better alternative at the right price.

Long story short, you may want to avoid these 5 mistakes if you are looking to purchase your first home. By avoiding these common mistakes, it will be easier for you to get the right house at the right price. Hopefully, these steps will help you get the best deal without making costly mistakes.

Immobilienmakler Heidelberg

Makler Heidelberg

This subject gets pondered a lot, by both buyers and sellers. I want to address it, but I want to disclose upfront that I am a realtor, so my perspective will be somewhat biased.

If you are purchasing a new home, I would always, ALWAYS recommend using the services of a realtor. First of all, and this may be your most important reason, you do not pay for any of the services provided. That’s because the realtors on both sides of the transaction are paid by the seller as part of their Listing Fee.

Beyond any economic reasons, however, a realtor will have access to every property for sale that is listed on the Multiple Listing Service (MLS) for your area. Simply by providing a few details about what you are looking for and where, a realtor can literally make hundreds of homes available to you for your review (depending on how specific your parameters are). That gives you the chance to review the list from the comfort of your home and weed out those properties that don’t suit your needs. If any questions are raised during your research, your realtor will be the one to track down the answers for you..

When you have narrowed down your selection and have chosen properties you’d actually like to visit, working with a realtor is key. Most sellers that list their home, do so in order to make sure that their home is being shown to „real“ buyers being accompanied by a licensed real estate professional. For convenience, most listings provide for a lockbox or Sentrilock box for secure access to the home. Obtaining the lockbox code will be impossible unless you are a licensed realtor. Homes that are being sold by the owner (FSBO’s) are a different matter and I will get into that later in this post.

The buying process includes a number of steps that a realtor can not only facilitate, but expedite, as well. Once a buyer has decided on a property, the realtor can prepare your offer documents (contracts, addenda, disclosures, etc.) for your signature and present them to the seller. One your offer is accepted, your realtor can guide you through the process to a successful close of escrow. This will include having the home inspected, the attorney review of the contracts and the processing of your mortgage financing. If a buyer doesn’t have access to an attorney, lender or home inspector, a realtor will be able to provide references for those services.

Your realtor can also provide significant help in the negotiating process. They know the current market and can tell you whether the home is priced accordingly. They will also be able to assess the market value of the home based on its condition or any upgrades the seller has made.

From a buyer’s perspective, it only makes sense to utilize the services of a professional as you search for your dream home. This is especially true when you consider that you pay no fee for those services.

As a seller, the decision becomes a bit more complicated. Many sellers are discovering that the market value of their home is not as much as they had hoped and they have to sharpen their pencils in order to break even. When you consider a realtor may charge a listing fee of anywhere from 4-6%, the list of costs to sell your home, after the payoff of your mortgage, can make that break even point difficult to attain.

The advantages to listing your home with a realtor are myriad. They include, but are not limited to, the accurate analysis of your home’s market value, the Open Houses, staging recommendations, signage, Multiple Listing Service inclusion and, most of all, the extensive marketing of the home (THE most important advantage).

If a homeowner decides to sell their home by themselves (FSBO or For Sale By Owner), all these costs are borne by the seller. Obviously, the marketing becomes the most costly item. Putting a For Sale sign in your yard and paying for a 2″ x 2″ ad in your local newspaper will not reach the amount of prospective buyers needed to sell your home in a reasonable amount of time. The speed at which a home is sold is directly proportionate to the amount of buyers that view the home. A realtor’s marketing campaign, if effective, can produce a consistent stream of showings. Showings produce offers and offers lead to successful closings.

In the final analysis, a seller has to look at their net proceeds to determine the viability of listing with a realtor. Even with all the advantages listed above, if a seller has to bring money to the closing table, that will weigh heavily on their decision. Being a realtor, I would always recommend listing your home with one of my esteemed colleagues. However, I am not oblivious to the economic conditions that many homeowners face and many people have successfully sold their homes as a FSBO.

Whatever your decision and whether you are a buyer or seller, there are always going to be obstacles that you must overcome. If you find you can’t seem to navigate these obstacles alone… call your local realtor.

Immobilienmakler Heidelberg

Makler Heidelberg