Buying and Selling Real Estate in Wellington FL

How a Realtor Earns Their Pay

Fri, 12 Mar 2010 23:05:04 +0000

In the old days Realtors got paid by representing you with buyers and basically "clerk" the deal by not really fighting for you but rather being a glorified referee. They would advertise it , have an open house, or a caravan (where fellow realtors tour the house so they could tell their prospective buyers that might be interested). When they recieved offers they would present them to you and negotiate for you by going back and forth. With the market the way it is to where houses sell themselves if priced on the medium or low side then what is the realtor really doing to earn your money? Many will tout years of being in the business or so many houses sold but just being around no longer cuts it these days with sellers AND buyers and they demand more. As more people become aware of credit and finance the new breed of realtors are learning too and putting these three weapons to your in the negotiating process.

While Credit Score Raising , Buying Power Boosting , and Mortgage Enhancement are just becoming topics in most real estate periodicals and newspapers, WE have been practicing for years what many are just learning. Read on and you will demand more out of your realtor and be in more control of the real estate process, whether you use us or not.

Before we get into the meat of what Im talking about lets first go to all the things a Realtor should do to earn your money.

1. When coming to meet you they should bring an analysis of your neighborhood, your town and your city concerning recent sales and listings.

2. Produce at least 10 testimonials from clients within the last 12 months, their best and worst.

3. Have a website like this that has reports that deal with every facet of the real estate process.

4. Supply a list of team members from Home Inspectors , Appraisers, Advertising Reps, Landscapers , Handymen , Movers ,and every other person that is needed throughout the process.

5. Develop a plan as to how the realtor will represent you detailing every step their personal team will take through the aspects of the sale. Discloses obligations and gives you a checklist of what to expect .

6. Write a representation agreement (between you & realtor)and takes the time to carefully explain every paragraph of it .

7. If you need to get your home ready, supply you with a team of professionals (landscaper, plumber,handyman, maids,professional furnishers,etc.)that you can contact and get your house in shape quickly so its ready to show.

8. Lists the property in the MLS (Multiple Listing Service) so it can be picked up in databases that might be looking for a property like yours.

9. Get a "virtual tour" done and posted to their website (where more and more people are looking).

10. Get "For Sale" sign out front of your house with the website address to see the Virtual Tour.

11 . Create The Perfect Fliers .

12. Fliers to be posted in Sign box (attatched to For Sale sign in front of your property)and use for Open Houses

13 . Open House scheduled and scheduled often

14 . Advertise it- in the paper, through their broker network, through "caravans" and through inter office mailing.

15 . Qualify Offers -Make sure when their efforts bring in offers that they are real, the buyers are qualified and that their buyers agreement isnt full of catches that you might not pick up and make the deal not as advantageous as it appears.

16 Expert analysis-When an offer is presented buyers will Inspect the property and come up with problems that they want negotiated in the deal. Your Realtor Having Home Inspectors, Contractors and other professionals to be at your fingertips will combat the offer and bring a higher level of confidence and will keep the sales price up.

16. Negotiate -when multiple offers are around they help you interpret what are the pros and cons of every deal .

17. "Deal Breaker" Maker - Many times in negotiating , the buyer and seller reach an impasse and both would walk away, hurting everyone when it takes a Realtor finding the way around it. Only Realtors with experience have the tricks. It could be negotiating a repair, having escrow cut the closing costs, getting a better price on a percieved repair. Helping the Buyer get a better deal on Financing by raising their credit score , increase their buying power in order to have a lower debt to ratio which qualifies them for lower mortgages rates . They should also have access to preferred finance centers that will help the buyer get a lower payment.

A Sellers example? A sale in 2003 had the buyers agent bringing an offer with a home inspection that says the roof needed to be redone, some electrical in three rooms and spa. The bill? $24,000. They tried to tell our realtor they can only afford $400,000 and our buyer wanted to hold at $449,000. Our realtor gets to work by having their Inspector rebuke the inspection on things he could, then got contractors quotes that favored a better deal to fix whats left and then presented the buyer and their agent with a finance program that the buyer could not qualify for initially (but raising credit score and buying power got them approved)and the buyers agent didnt bother to help them get. The buyer had their credit score raised, buying power improved and was in a better cashflow situation.

The Result? Our seller saved $19,000 on the repairs and got the buyer approved for 4.85% over their 5.99% which translates our seller being able to sell the house for $444,000. If our buyer hand not heard of us using a team approach to this level the deal would have gone south or the seller would have "lost" over $40,000!

This is the new breed of realtor system that no buyer or seller can live without . Buyers come away with better credit, better cashflow, lower payments than conventional real estate deals. When our realtors represent them they get the expertise of Home Inspectors, and turning the the same scenario onto the buyer and their new transaction.

Buyers Case in point : we represented a buyer and while we bulletproofed and streamlined our client to put them in the best position on the sale between them, we also found out the seller was in the midst of a sale on their new property they were planning to get once our buyer bought their property. We found out their position on the other sale and offered a better loan program to the seller than they knew they could get, which saved them $35,000 of which they gave $20,000 to our client through a price reduction for our efforts of going beyond the scope of the sale we wer oblilgated to by most realtor standards. The buyer saved what would translate to a $65,000 savings from the negotiation as well as streamlining .

Realize many realtors may say they do this but by giving you testimonials that you can contact saying they did it is what you should demand because 89% DONT use this new phase of full service real estate.

The Key weapons on top of the normal efforts are :

Team of experts and staff not just a "one person show"
Advertising Promoting and using the perfect flyer
Attacking the sale from all angles by using Credit Score Raising , Buying Power Boosting ,
and Mortgage Enhancement

If the realtor you are interviewing does not incorporate ALL of this then they are not full service and you may want to consider Contacting Us before its too late!

The Perfect Flyer

Fri, 12 Mar 2010 23:05:04 +0000

Therefore the flyer needs to be double sided with the front page hinting to what payments would be and then the back talking about many types of financing and the ability to help them with improving their credit score (even excellent credit clients cna have a lower than expected score)so they can qualify for less down or interest only loan programs (cuts their payment almost in half and they can pay more if they want, goes to reducing the principal)and more. By using a credit and finance approach it walks your buyer through the process better, gives an easier path for them to buy your home and with credit and finance support; helps the ones that your agent might turn away into a deal! Make sure your team knows or have them use our website to help you help them sell your home.

Is your property free and clear of HOA fees and Mello-Roos ? Then advertise it! on a $400,000 property thats a $50,000 difference when it comes down to their final payment.

How to interview a Realtor

Fri, 12 Mar 2010 23:05:04 +0000

Written by www.FindMyRealEstate.com staff

Keep your shopping Privacy!

The gimmick of "get 4 offers" or "we have 100 lenders compete for your business?"
Its just that, a gimmick. Avoid the credit inquiries, phone calls, and Lenders compete Mortgage home loan rate shuffle . Pick your program and see the lender's best deals with privacy!

You are going to be surprised by what we say here but its for your own good and maybe our honesty will make it the factor in hiring us for helping you buy or sell your next home.

First, the market is so hot right now there is a shortage of inventory and just listing it in the MLS is enough to sell a house, its getting top dollar and knowing how to play the poker game of negotiation in Real Estate is what you are really paying for .

For buyers its finding the Agent that knows the area and what is ABOUT to happen not just sign up clients and let them bounce around to easily available.

Next realize that YOU, the home owner or buyer, is the major contributor to our economy. You put money in many peoples pockets when you get involed in a real estate transaction .

When it comes to hiring a realtor they make 6% commission if you are selling a home because usually they get the represent the buyer too (which is a bad idea-see here) or 3% if just buying (Ok the seller pays it but who YOU choose to represent you gets 3%). If you have a $450,000 home that translates to $27,000.

If they are lucky they can make the grand slam. They represent a seller who brings in a buyer WHILE trying to find the seller a new home. That could be a whopping 9%.

Do the math on a $600,000 home and thats $54,000 for one seller? Thats what most people make in a year!

So as you start this process realize YOUR concerns are the most important thing you should be thinking about. Don't worry about offending a realtor, getting them upset and dont let them make you feel you are too demanding.

Realize also that just by listing the property in the MLS(Multiple Listing Service)will be the main source for selling your home so don't let the realtor give you any attittude that they have some magical way that no one has thought of.

If you are a buyer you should read this other report and realize YOU are the center of this whole industry and without you no one gets paid.

So no bad feelings for doing your homework and interviewing everyone; realtor, inspector, contractor....anyone!

First here is a report on what are realtors do to earn their pay , read it.

Now lets get to how to interview a realtor!

#1. Download this realtor comparison chart .

#2. Ask them for all of THEIR properties they have already listed and the phone numbers of the people they represent . When you call 5 of them ask them if this particular realtor listed the property (sometimes realtors try to confuse you and take claim to their realty company's listings as their own)

#3. Then go to our site or a site like realtor.com and look to see if EVERY property has multiple photos AND a virtual tour . Do you know a virtual tour costs the agent a one time fee of only $29?

#4. Next is ask for the flyers on 5 of the properties that the realtor recently represent(ed) and evaluate them . Are they attention getters (read this report )? Do they really SELL the home? show payments? offer incentives? When you look at them do they look like a promotion(making you think and want to buy) or merely a fancy business card? - Don't miss this concept......as my grandfather used to say "this will shake the snakes out of the grass." The reason this is important? because most realtors are clones, they do what everyone does and yet they will tell you "I work for you," or "I go out of my way for you." If that was the case then why don't they make fliers that SELL your home? Include payment terms, use the back to offer more selling points (you already paid for that space- use it).

If they use the standard flier then they are the standard realtor no matter what they say. Its what they do not what they say you should count on.

#5. Does the agent have a premade form or website page that you can get access to multiple choices for people you will need to help you with the process? (home inspectors,remodelers,mortgage and personal finance analysts,credit report analysts,movers,contractors, landscapers,etc.) ***many might say they cant because of liability but that is a warning sign and beware, besides in the agent agreement it says they are not lliable for outside companies.

#6. Do they have a team of assistants that help the realtor and you? Open house specialists, escrow coordinators,alternate realtor in case they are not around?

#7. Ask them their game plan as to how they are going to promote YOUR home in ways that other agents don't. (The minimum of what a realtor should do is in this report )

For those hiring a Buyer's Agent this is very important! many want you to sign for 90 days and if ANY transaction happens then they get a piece. DONT FALL FOR THAT!!

Give buyers Agents a 30 day contract at first and if they are working hard for you then extend it another month , make it to where if you find the property you have the right to use whoever you want. Dont let them push you around on this. They will make you feel like they are going to walk............let em. The next day they will be back.

THEY NEED YOU, remember that! (here is a report to show you what an agreement looks like and how to work your own deal thats best for you)

Buyers Agents should be paid for what they do FOR you not just because they sign you up . It can make the realtors lazy and make you do all the footwork and they are around to write a contract where you did all the digging. Remember they will earn $15,000 to help you for about 45-60 days of work .

Sellers Agents have a minimum of what they should do to (this report will help ). Realize the market is so hot right now there is a shortage of inventory and just listing it in the MLS is enough to sell a house, its getting top dollar and knowing how to play the poker game of negotiation is what you are really paying for.

How raising your score saves thousands

Fri, 12 Mar 2010 23:05:04 +0000

You saw it in the paper or on TV. Maybe you heard it on the radio. That "great mortgage home loan deal." So you apply and start counting on the payment they quoted you.

But then you are told your score is too low to qualify. You find out that loan you cosigned for was late, or there is a collection account on your report you didn't know about. It could have been from too many inquiries from those "Lenders Compete" gimmicks you see. Maybe you had some problems in the past from divorce, family matters, business matters or you were just plain having problems. Your Realtor or Lender recommends someone that can help repair your credit and raise your score, and you wonder "Is it worth it?"

A credit score change from 590 to 650 (or 640 to 720)saves you in many ways:

Pay less origination fees versus "sub prime" lender
Less closing fees and lower cost of standard fees
Not having to accept prepayment penalties (standard on subprime)
Qualify for 0 down no PMI programs (not avail on subprime)
Total savings between deals? Over $10,000 on average loan!
Over the life of the loan the difference can be hundreds of thousands!

These are just costs associated to mortgages but the costs savings get better when you look at credit card debt, auto loans, being able to get that Home Depot card; the more you look at it the more the math supports doing something about it.

How do I get Credit Score Help?
First you need to see what can be helped with in order to raise your score. The following are some of the areas you can get help to you raise your score. This system helps borrowers whom because of certain conditions have suffered credit impairment, or due to stringent guidelines imposed by the secondary market are unable to qualify for a mortgage. Common situations:

Credit scores low but no late or derogatory items
Low scores due to items that are not yours that are derogatory
Someone used your Identity and applied for credit in your name
Having some legitimate derogatory items with balances
IRS issues past present or expected
Divorce, Medical, extended family issues or loss of job
Late on an account but not on the month they stated
Bad account on your report is not completely or accurately reported

How does it work?
No one "maintains" the accuracy of your reports. Credit bureaus "store" information. Creditors add to your report using a blind system, they don't see what your report looks like when they put something on it so if they hit the wrong key then there is a mistake no one knows about till you have your credit run (how many typos do you think the average operator has?). Also, items are added to your report without having your full information. Just a variation of your name and address is enough for Mike Smith to be added to Mikal Smythe's report if they live in the same area. Reports are laced with small to large inaccuracies that when they appear on your reports they become your technicalities to getting them deleted and that's IF you know how to apply the laws that protect you .

Can I do this myself? You have the right to do it yourself but t o know the "ins and outs" of a complex system they purposely created to make it difficult to do (if they were known to make mistakes then subscribers wouldn't use them and that is how they make billions of dollars a year) and how to apply the laws appropriately would take years of experience. It is your right to do it yourself just like its your right to represent yourself in court and to buy and sell your home. However, we have 15 years experience in how to work with creditors and can get results in days when it comes to raising scores for a mortgage because we know the channels that you would not know to get access to. What do you to when they say they verified it? Do you know where to look on the report to make sure? The collector does a host of things, do you know what is illegal and what isn't and how to write a convincing letter to them to show them its in their best interest to delete rather than face you in court for $2000?

Your initial response is "But I was late" or "I did see the doctor where the other company billed for work done."
Well you speed on the freeway almost everyday but if on the day you get a ticket and you weren't speeding but got the ticket because the officer made a mistake do you tell yourself, "well I've been speeding so many other times that even though the officer didn't use proper procedure I'm not going to fight it and I'll let it go against my record."

The law allows you to dispute and have dismissed items that are not processed correctly . The answers to the above examples? would be to dispute the late account because it is not correct and up to them to report correctly. The medical bill? the doctor, affiliate companies they use for outside work, the collection company they assign it to are bound by laws and if they do not process the collection and credit reporting process correctly they can be sued for $1000 and more. By knowing your rights and knowing how to apply them you can sue them for thousands of dollars over a $100 account. The laws protect you just like in court and similar to the "O.J." trial, if they don't follow procedure your items are thrown out, THAT'S THE LAW!

How does HelpMyCreditScore.com work?
With them you get a team of experienced professionals that are "Hands On" and only take on so many clients in order to get you through the process quicker. In order to raise your score in half the time most other companies do they have to be more involved. They contact the parties involved not just send out letters that take 30 days for everyone to respond to.

Most companies takes tens of thousands of clients , put you on a monthly program and just "process" your file with the lowest level of results and taking 12 months. Using HelpMyCreditScore.com you will get results quicker so you can take advantage of current mortgage programs and real estate deals.

HelpMyCreditScore.com utilizes the Fair Credit Reporting Act, Fair Debt Collection Practices Act, public law 91-508 and civil code 601-625, but mainly negotiation expertise with all parties to help eliminate some of the negative entries contained in your current credit profiles that keep your score down..

If you are having problems dealing with creditors or collectors directly or just don't want to we negotiate and get things done in ways that are above the current industry standards and have seen remarkable results in just a short period of time of taking your case .

Here are just some of the points covered :

Derogatory items that are in error that you have proof of , a letter that says explicitly "this item will be deleted" on the creditors letterhead and HAS to be signed (if they say they cant, its against the law and they HAVE to sign it).
Items that are reporting derogatory but are duplicated on your reports . Also, it may report the same account with two different results say a late payment on one account and then another reporting of the same account with a charge off status. Only one is legally allowed to be reported but unless someone doesn't point it out to them they let it slide. If the item is totally false then both have to be deleted immediately.
Balances not reported correctly . If your report shows you were recently over your limit your score drops incredibly. checking to make sure your balances show as low as possible helps get your scores up If you are over your limits or close and have extra cash, pay down your debt and immediately dispute the accounts.
DON'T close unused accounts, even if a typical loan person tells you to. Why? they are guessing and unless they have had a career in analyzing the credit score matrix they are hurting you. You need to keep a certain amount of accounts open and you never close your oldest account because it affects your "depth" part of their equation.
Make sure accounts that were recently paid off are showing paid off . Sometimes it takes months till a loan shows on all 3 reports its paid off so don't assume its paid till you see its showing paid.
Pay accounts that aren't yours if they show negative on your report .

This last one I know you are going "WHAT?" Well by negotiating with the creditor that owns it and having it deleted under a "no conteste" rule you get it off your report and save yourself having to pay higher rates and fees on your mortgage because of sticking with the lower score. Otherwise it would take too long to dispute using regular channels because you need your loan to close in the next few weeks. The rule? if it is less to pay it than pay the price in higher interest and fees the bad item on your credit report is causing then pay it and fight it later(in some cases you can sue the creditor in small claims court to get your money back AND collect over $1000 in damages for errors they made on your reports). So whatever the cost of the item or even more depending on how bad its affecting your approval..........then pay it IF you get a deletion letter and put your ego aside to make money.

Help My Credit Score ® will take where you are now and work with you to get the "catch-22's" and the "we can't do anything call the other guy" routines that normally happen right when you need to focus on the million of other things that come at you when finding and buying your next home. Do you really want to learn how to do this by "trial and error" right when you have to watch so many other things during the buying/selling process?

What can I expect?
For Poor Credit clients we make home buying possible and affordable. We raise your scores so you can put less down, consolidate your bills BEFORE you buy so you can qualify for more house.

For Average to Great Credit FindMyMortgage ® , a Help My Credit Score affiliate, provides them with the best financing alternatives. 0 down, 110% loans, interest only payments(reduce your payment significantly), "no down no costs", rate exceptions, higher debt ratio allowances and more.

Is Credit Restoration available for refinancing? For cash out?
Yes!!! Using Help My Credit Score can allow you to refinance up in less time than doing it yourself and hiring other companies so you can refinance up to 110% of the value of your home. We understand that there are times you need to borrow for important purposes such as household repairs, debt consolidation, medical emergency, etc...

I've missed some mortgage payments in the past, and I have been late on other bills .
It's okay. In most cases FindMyMortgage can issue an approval, even if you have been up to 90 days late on your mortgage or if you have had a judgment against you in the past. Help My Credit Score can work with you to resolve these problems while working on other areas that are affecting your score while FindMyMortgage , or your lender continues to process your application without interruption .

By the time your loan is ready to close your score may have raised enough to get you the better financing terms you hoped for . Then in six months your score will be even better and you can qualify for FindMyMortgage 's no cost loans with even lower interest rate, saving you $50,000 or more over the life of your loan. Two loans for the cost of one!

How do I get started?
Click to the ORDER SECTION or email us and talk to one of their specialists about Credit Restoration and a mortgage credit analysis, or Click Here to E-mail your request.

Nail Soup Media Inc. - © 1994-2003 All Rights Reserved
and any/all articles used without written permission is prohibited.

credit repair, repair credit, consumer credit, fix credit, credit restoration, credit help, fix bad credit, repair bad credit, bad credit, Credit repair services, credit fix, credit ratings, credit report repair, credit problem, credit law, erase bad credit, fix my credit, fix your credit, credit lawyer, fix credit report, repair your credit, legal credit repair, credit recovery, bad credit recovery, bad credit loan, bad credit loans, bad credit card, bankruptcy, Build good credit, Bureau credit rating, Bureau credit score, Calculate credit score, Change my credit, Check bad credit, clear credit report, Consumer credit, consumer credit help, consumer credit repair, consumer credit repair service, consumer credit repair services, Correcting bad credit, Creating good credit, credit after bankruptcy, credit and check, credit and debt law, credit assistance, Credit attorney, Credit card bad credit, Credit check, credit collection law, Credit counsel, Credit counseling, Credit counseling services, credit fix

Equestrian Club

Fri, 12 Mar 2010 23:05:04 +0000

The Equestrian Club, Wellington Florida For more information on Wellington's Equestrain Club Please Call: (561)798-3955 Email: The Crowe Team


		A new gated community of prestigious estate-sized homes in the Village of Wellington, Florida by Centerline Homes You will love the ambiance, the splendor and vibrant backdrop of the Palm Beach Polo and Country Club in a family-oriented community. The Equestrian Club’s setting is comprised of 138 homes with spectacular home designs, from one-third acre lakefront and cul-de-sac locations. All the homes one- and two story state homes feature five to seven bedrooms, three and one- half to five baths, family room, den or loft and three or four car garages. The estate residences of The Equestrian Club at Wellington are a rich blend of old and new that evoke a legendary style all its own. Pure luxury from European-style cabinetry, Granite countertops, Marble Roman bathtubs. Amenities include a manned gated entrance, equestrian trails and work-out facilities. Stunning and luxurious clubhouse with media room, children’s play area and lighted tennis courts. Plus all the convenience of a premier Wellington location, including easy access to major highways, airports, top-rated schools and the new Wellington Green Mall. Pre-Opening prices from mid $400's * All Prices include Pool, Granite Counter Tops, and Ceramic Tile in all Living Areas (per plan)* Community Features : Located in the pristine Village of Wellington Secure and private neighborhood behind guard-gated entrance Large front, back and side yards with minimum 1/3 acre homesites Excellent Wellington-area schools Convenient to shopping, outstanding parks, cultural and recreational activities Easy access to major highways Exterior: Mediterranean-style S-tile roofs 15'x30' swimming pool with aluminum fence Covered patio with pre-wired ceiling fan outlet Brick paver driveway, walkway front entryway and pool deck Dramatic lighted, covered portico entry with eight-foot double doors Exterior French doors provide access to covered patio Cabana bath door opens to patio (per plan) Clerestory windows (per plan) Poured concrete-and-steel foundations and second floors on all two-story models Termite-treated foundation Zoned automatic sprinkler system on timer Upgraded landscaping and fully sodded homesite Three or four-car garage with decorative raised-panel, eight-foot garage doors Automatic garage door opener with remotes Side-entry garage door Protective hurricane shutters with trackless panels Aluminum window frames with tinted glass and screening on all operable windows Vented stucco soffits for attic ventilation Weatherproof G.F.I. electrical outlets (per plan) Hose bibs conveniently located Textured exterior stucco Decorative polished brass front door hardware Decorative personal mailboxes Decorative coach lights Doorbell Ten-year structural warranty Kitchen Upgraded KitchenAide® appliance package: Side-by-side refrigerator with ice and water dispenser in the door Built-in double oven and microwave Built-in natural gas cooktop Multi-cycle quiet dishwasher European-style cabinetry with 42" upper cabinets Maple or Oak flat panel or foil raised panel cabinetry in choice of colors Granite kitchen countertops with standard height backsplash Kohler® LakefieldTM 1/3 - 2/3 white porcelain sink with disposal and soap dispenser Moen® "one touch" pull-out faucet Built-in cabinet-style pantry (per plan) Built-in breakfast bar (per plan) Recessed lighting details
5 BR, 3 1/2 Baths, 3 Car Garage 3,112 sq.ft. under air Request Info

5 BR, Den, 3 1/2 Baths, 3 Car Garage 3,493 under air Request Info

5 Bedrooms, Den, 4 1/2 Baths, 3 Car Garage 3,746 under air Request Info

5 Bedrooms, Guesthouse, 4 1/2 Baths 3 Car Garage 4,249 under air Request Info

5 Bedrooms, Loft, 4 1/2 Baths, 3 Car Garage 4,331 under air Request Info

6 Bedrooms, Den, 4 1/2 Baths, 3 Car Garage 4,402 under air Request Info

Versilles

Fri, 12 Mar 2010 23:05:04 +0000

Luxurious and Sophisticated Single Family Estate Homes in Wellington Florida, Palm Beach County Wellington Florida's The Estates of Versailles Starting prices from the low $360's to over $1 million. Located in the pristine Wellington area, The Estates of Versailles feature luxury as you've never seen. Transeastern Homes has spared nothing to create this elegant and luxurious lifestyle. These French Country manored homes are built with pride and impressive attention to detail. The entrance to Versailles alone is a multi-million dollar entryway with long winding, palm tree lined drive and magnificent tiered fountains.

For information on Wellington's Versailles Please Call: (561)798-3955 Email: The Crowe Team
	The Versailles Estates are divided into 3 Collections. The Artiste, Provence and Chapelle Royale Collections. Within each Collection are several models to choose from.
	Artiste (5 models)		Homesite 55' x 125' Descriptions		sq.footage A/C Total
	Artiste (5 models)				2,443
Baroque		3 BR, 3.5 bath, Great Room, Family Room ,Den/Library, Café, Covered Loggia, 2 Car Garage.			2,443
Baroque					3,025
Request Info					3,025
Chevalier		3 BR, 3.5 bath, Family Room , Loft, Café, Covered Loggia, 2 Story Home.			3,119
Request Info					3,751
Gauguin II		5 BR, 4.5 bath, Family Room , Loft, Café, Covered Lanai, 2 Story Home.			3,412
Request Info					4,414	Amenities at Versailles Grand Clubhouse
Moulin Rouge		5 BR, 4.5 bath, Great Room, Family Room , Loft, Café, Covered Loggia, 2 Car Garage, 2 Story Home.			3,590	Amenities at Versailles Grand Clubhouse
Request Info					4,179	State of art Cardio-Vascular Fitness Center. Billiards Room & Card Room Fully Appointed Kitchen Meeting Rooms Resort Style Swimming Pool & Children's Pool Spa & Sauna Tennis & Basketball Courts Wellington School System
Request Info					4,179
Matisse		5 BR + Den, 3.5 bath, Family Room , Loft, Café, Covered Loggia, 2 Car Garage, 2 Story Home.			3,933
Request Info					4,585
Provence (7 models)			Homesite70' x 125'
	Alsace	4 BR, 3 bath, Family Room , Café, Covered Patio, 3 Car Garage.			2,580
	Request Info				3,456
	Bordeaux	4 BR + Den, 4 bath, Family Room , Café, Covered Lanai, 3 Car Garage.			2,787
	Request Info				3,684
	Emillion 5	5 BR + Den, 4 bath, Family Room , Café, Covered Lanai, 3 Car Garage. Side and Front Entry Garage w/Bacony			3,640
	Request Info				4,657
	Cannes II	5 BR, 5.5 bath, Loft, Family Room , Café, Covered Lanai, 3 Car Garage.2 Story Home			3,756
	Request Info				4,835
	Fleur de Lis	5 BR, 4 bath + 2.5 bath, Loft, Family Room , Café, Butler Pantry, Covered Loggia, 3 Car Garage.2 Story Home			4,018
					4,018
	Request Info				4,774
	Emillion 7	6 BR with Loft, 5.5 bath, Family Room , Café, Covered Lanai, 3 Car Garage.2 Story Home, Side and Front Entry Garage w/Bacony			4,210
	Request Info				5,332
	Monaco	6 BR, 6 bath, Family Room , Café, Covered Loggia, 3 Car Garage.2 Story Home			4,296
	Request Info				5,320
	Chapelle Royale (8 models)			Homesite 90' x 125'
	Beaumont II	4 BR + Study, 3.5 Bath, Family Room, Café,Covered Lanai, 3 Car Garage			3,367
	Request Info				4,738
	Chardonnay	4 BR + Study, 3.5 Bath, Family Room, Café,Covered Lanai, 3 Car Garage			3,661
	Request Info				4,823
	Fontaine Bleu II	5 BR + Den, 4.5 bath, Loft, Wet Bar, Family Room , Café, Covered Lanai, 3 Car Garage.2 Story Home			4,449
	Request Info				5,569
	Deauville	6 BR, 4.5 bath, Den/Library, Café, Covered Lanai, 3 Car Garage.2 Story Home			4,782
	Request Info				6,277
	Grambois	5 BR + Library, 4.5 bath, Loft, Family Room, Café, Covered Lanai, 3 Car Garage.2 Story Home			4,862
	Request Info				6,221
	Mont-Blanc	5 BR + Guest Suite, 7.5 bath, Loft, Family Room, Covered Loggia, 3 Car Garage.2 Story Home (Includes Pool)			5,049
	Request Info				6,374
	Marseilles	5 BR + Study, 6.5 bath, Loft, Family Room, Café, Covered Lanai, 3 Car Garage.2 Story Home			5,281
	Request Info				6,428
	Renoir	5 BR/Sitting Room, Guest Suite, 5.5 bath, Library, Game Room, Family Room, Café, Covered Loggia, 4 Car Garage.2 Story Home			6,551
	Request Info				8,077

Olympia

Fri, 12 Mar 2010 23:05:04 +0000

For more information on Wellington's Olympia
Please Call:
(561)798-3955
Email: The Crowe Team

Olympia

One of a kind project…were the Old World meets the best of the New World.
A great community in Wellington, Palm Beach County, big, bold, elegant and beautiful as your grandest dreams. A community surrounded by crystal lakes, great green areas, magnificent club house and outstanding quality homes.

Once across the causeway and through the gatehouse, you will find yourself in a world of lush landscaping, romantic architectural designs that never ceases to enchant.

The Villa Olympia , modeled after a 5 star resort, serves as an elegant retreat for residents. This community is minutes away from the Elegant Wellington Green, Regional Hospital, parks and recreation areas.

In this exclusive community you will find towering rotundas that allow light to pour in from above dramatic entry foyer with monumental staircases, elegant butler pantries, sumptuous master suites with His and Her baths, open gourmet kitchens and media room.

Never before you were able to find such a beauty and value in homes with a very extensive selection in model homes, up grades and price range. The flexibility when building this homes is exceptional, allowing families to change and adapt rooms with their needs and lifestyles.

If you are interested in prices, model homes renderings, floor plan, please send us a message to sold@croweteam.com and we will be glad to send immediately the information requested.

Request Info

Black Diamond

Fri, 12 Mar 2010 23:05:04 +0000

		For more information on Black Diamond at Wellington Please Call: (561)798-3955 Email: The Crowe Team
	N atural beauty that will stir your soul, Nurture your Spirit and satisfy your senses… T he majestic oaks, the breath taking preserves and over 90 acre of shimmering lakes, Black Diamond at Wellington offers you and your family a new refreshing lifestyle. Start with the perfect setting with a gated entrance. Choose from six intimate neighborhoods, with prime lakefront, preserve and cul-de-sac homesites. S elect from a collection of three to six bedrooms homes, featuring two or three car garages with family room, den or loft options. Lush native landscaping and wide open spaces to give you all the room to grow. Variety of custom features designed with your comforts in mind. The innovative, floorplans offer you and your family a large selection to suit your lifestyle. Gourmet kitchens and sumptuous master suites to elegant architectural features like Mediterranean archways, Barrel tiled roofs and brick paver driveways. Resort-style clubhouse, provides your family with a wide variety of amenities, tropical setting swimming pool and sun deck, fitness center, grand social room for parties, media room, basketball courts, teen activity center and children’s play areas.
Community Features: Located in Wellington, Florida , a guard-gated, planned community of shimmering lakes, nature preserves and recreation areas Large homesites to accommodate pool Oversized cul-de-sac and waterfront homesites Minutes from shopping, entertainment and recreational facilities Convenient location with easy access to all major highways Excellent Wellington-area schools Private residents' clubhouse with tennis, resort-style pool, children's play areas, teen activity center, fitness center and media room Outside Your Home: Mediterranean-style S-tile roofs Estate-style brick paver driveway, walkway and front entry Protective hurricane shutters with trackless panels Concrete second floors with reinforced steel on all two-story models Raised, covered entry with eight-foot raised-panel doors and polished brass handles Automatic sprinkler system Tropical landscaping and fully sodded homesite Three- and four-car garages with decorative raised panels (per plan) Steel-reinforced garage doors pre-wired for automatic door opener (per plan) Aluminum window frames with tinted glass and screening on all operable windows Steel-reinforced concrete foundations Vented stucco soffits for attic ventilation Weatherproof G.F.I. electrical outlets (per plan) Termite-treated foundation Hose bibs conveniently located Sherwin-Williams® interior and exterior paint Personal mailboxes Doorbell Decorative polished brass entry hardware Textured exterior stucco Decorative coach lights on garage Street lighting throughout community Ten-year structural warranty Inside Your Baths: Luxurious cultured marble Roman tub in master bath with glass block (per plan) Clear glass enclosed shower in master bath in choice of white, gold or chrome frame Ceramic tile in wet areas Ceramic bath accessories Moen® Chateau^TM single-lever chrome faucets Elongated water closets Cultured marble countertop with integrated sinks Bullnose countertops in master bath European-style cabinetry Oversized bathroom mirrors and designer medicine cabinets with beveled edges Designer lighting details			Inside Your Home: 16"x16" ceramic tile floors in the foyer, laundry room, kitchen, breakfast area and family room (per plan) Plush wall-to-wall carpeting with stain control treatment Alarm system with keypad and telephone connection kit Spacious linen closets (per plan) Whirlpool full-size 7-cycle washer and extra-large capacity dryer Eight-foot sliding glass doors High-efficiency central air-conditioning and heating system Air-conditioned walk-in closets and laundry room with lighting (per plan) Knockdown textured walls and ceilings Coffered ceilings (per plan) Custom lighting detail including hi-hats and pre-wiring (per plan) Designer rocker-style electrical switches Ceiling fan pre-wire in family room and all bedrooms (per plan) Cable TV RG-6 quad shield wiring in family room and all bedrooms CAT5 telephone wiring in kitchen and all bedrooms for 4-line capability Mirrored closet doors in master bedroom Eight-foot Colonist-style six-panel doors throughout with polished brass hardware (per plan) Colonial-style wood door trim Colonial-style wood baseboards Colonial-style bi-fold closet doors Marble window sills throughout home Energy efficient R-30 ceiling insulation 50-gallon quick recovery natural gas hot water heater Copper plumbing supply lines Smoke detectors throughout (per plan) Inside Your Kitchen: Whirlpool® designer appliance package including 25 cu. ft. side-by-side refrigerator with ice and water in the door Built-in oven and microwave Drop-in natural gas cooktop range Multi-cycle dishwasher with "clean touch" control European-style cabinetry with 42" upper cabinets in a choice of colors Easy-care mica countertops with 6" backsplash and beveled edge 50/50 white sink with disposal and Moen® "one touch" faucet with sprayer Spacious pantry for added storage (per plan) Built-in breakfast bar (per plan) Hi-hat lighting detail (per plan)
Return To Top

Equestrian

Fri, 12 Mar 2010 23:05:04 +0000

Winter Equestrian Festival
The world's largest horse show hosted eight weeks of non-stop competition featuring more than 5,000 horses from around the world. The nation's top hunter, jumper, equitation and dressage riders competed for prize money totaling more than $3 million. This year also featured qualifying classes for the Olympic Selection Trials in dressage and the World Cup Final in show jumping.

About the Festival

With up to eight rings in action, spectators enjoyed classes ranging from Children's Ponies to the Grand Prix levels of show jumping and dressage. The $1 million Grand Prix show jumping series offered a high-stakes competition every Thursday and Sunday in the Internationale Arena featuring Olympians and top-ranked members of the U.S. Equestrian Team. Two of the Grand Prix classes were qualifiers for the 2004 World Cup Final - the $60,000 Idle Dice Classic on Sunday Feb. 22, and the $75,000 CN Wellington Open on Sunday, March 7. The highlight for the hunters was the World Champion Hunter Rider Hunter Spectacular held during the Florida Classic on Wednesday-Sunday, Feb. 18-22, when the show grounds were devoted exclusively to hunter competition. The featured event on Saturday, Feb. 21, was the American Hunter-Jumper Foundation Hunter Classic Spectacular in which up to 26 qualified riders competed at night under the lights in the Internationale Arena.

A t a Glance
• Where: Palm Beach Polo Equestrian Club, 11199 Polo Club Road,

Wellington . Map, directions

• More info: Call (800) 237-8924 or (561) 793-5867. On the Web: StadiumJumping.com.

Demographics

Fri, 12 Mar 2010 23:05:04 +0000

Population:

(year 2000): 38,216
(year 2004): 50,004

Males: 18,669 (48.9%)

Females: 19,547 (51.1%)

County: Palm Beach

Land area: 20,533 acres total

Residential:17,860 acres

Recreational: 1,450 acres

Zip code: 33414

Median resident age: 37 years

Median household income: $89,567 (year 2004)

Median house value: $164,800 (year 2000)

New: Wellington, FL residents, houses, and apartments details

Race Composition Wellington: White (89%) Other (11%)

For population 25 years and over in Wellington High school or higher: 92.2% Bachelor's degree or higher: 38.0% Graduate or professional degree: 13.7% Unemployed: 2.8%

Mean travel time to work: 32.1 minutes

For population 15 years and over in Wellington village: Never married: 20.3% Now married: 66.3% Separated: 1.3% Widowed: 3.8% Divorced: 8.3% 13.4% Foreign born (7.8% Latin America, 2.7% Europe, 1.8% Asia).

Nearest city with pop. 50,000+: West Palm Beach, FL (13.6 miles, pop. 82,103).

Nearest city with pop. 200,000+: Hialeah, FL (55.0 miles, pop. 226,419).

Nearest city with pop. 1,000,000+: Philadelphia, PA (987.3 miles, pop. 1,517,550).

Nearest cities: Royal Palm Beach, FL (4.0 miles), Golden Lakes, FL (6.7 miles), Greenacres, FL (8.4 miles), Lake Belvedere Estates, FL (8.6 miles), Royal Palm Estates, FL (8.9 miles), Plantation Mobile Home Park, FL (9.0 miles), Stacey Street, FL (9.3 miles), Haverhill, FL (9.5 miles).

Industries providing employment: Educational,health and social services (21.5%), Retail trade (12.1%), Finance,insurance,real estate,and rental and leasing (11.4%), Professional,scientific,management,administrative,and waste management services (11.1%).

Crime in Wellington (2001): 0 murders (0.0 per 100,000) 14 rapes (36.6 per 100,000) 22 robberies (57.6 per 100,000) 85 assaults (222.4 per 100,000) 380 burglaries (994.3 per 100,000) 877 larceny counts (2294.9 per 100,000) 131 auto thefts (342.8 per 100,000) City-data.com crime index = 265.2 (higher means more crime, US average = 330.6)

Communities

Fri, 12 Mar 2010 23:05:04 +0000

Wellington Florida is a unique Village composed of individual communities dedicated to the values of: Education Excellence,Sound Government,Recreational & Cultural Opportunities,Civic Pride, Public Safety,Community Appearance, Environmental Respect, and Equestrian Interests.

Here you will find information on many of Wellington's Luxury Communities and the luxury lifestyle it affords.

Wellington Communities

Aero Club
Black Diamond
Coventry Green
Emerald Forest
Equestrian Club Estates
Georgian Courts
Grand Bay Estates
Greenview Shores
Hanover Tutor East
Hidden Pine
Lakefield
Las Casitas
Olympia
Pelican Key
Sag Harbor
Shakerwood Shores Talavera
The Equestrian Club
Versailles
Village Walk
Wellington Edge
Wellington View
Wellington Place
Wycliffe

Mortgage Funding Info

Fri, 12 Mar 2010 23:05:04 +0000

The reason why most commercial mortgage deals don't get funded is not because you can't find a lender. More often than not, the reason can be traced back to the "presentation" of the loan request. For example, when completing a residential loan, you fill out a 1003 using Point, Genesis, or another FNMA 1003 program. For a commercial loan request, what do you fill out?

Since there is no uniform commercial mortgage application, most brokers submit a 1003, an operating statement, and possibly a rent roll. However, this would be akin to submitting only the borrower's tax return and pay stubs, expecting a preliminary approval. In other words, it is clearly inadequate.

"As lenders we see hundreds of loan requests, and most of these requests are incomplete and poorly prepared," says Chris Lewis, VP of Commercial Lending for Wells Fargo, Los Angeles. "Complete loan requests, however, go to the top of the stack as this shows that the broker understands the issues and has some control over the deal."

Packaging a commercial mortgage loan is significantly different than packaging a residential loan. The main difference is that you need to determine whether the property -- not the borrower -- is generating sufficient "rental" income to cover the mortgage payments on the proposed loan amount (e.g., DSCR), and whether there is commensurate value to meet the lenders' loan-to-value requirement (e.g., LTV).

To calculate the DSCR and LTV, the stabilized net cash flow (NCF) must be determined. In most cases, lenders must re-create the operating statements to conform to their respective underwriting models, which requires identifying certain property-specific expenses.

Credit Info

Fri, 12 Mar 2010 23:05:04 +0000

Did you know that 75% of all mortgage lenders use a three-digit credit score to determine your loan eligibility? This score is based on the information contained in your credit report. And the interest rate you will be charged is based on your credit score, so raising your credit score as little as 15 points could result in a lower interest rate and thousands in savings. You can save anywhere from a few hundred dollars in credit card interest charges, thousands of dollars on your next car loan, and tens of thousands of dollars on a mortgage loan simply by improving your credit score as much as possible.

The information below offers general guidelines as to what your credit score might be. Each lender sets its own guidelines for approving loans and issuing credit. For this reason, the information below offers only general guidelines. Your debt-to-income ratio also plays a role in determining whether or not you will be issued credit. Some lenders require a debt-to-income ratio that may be higher or lower than those stated below. See bottom of this page to find out how to calculate your debt-to-income ratio.

The information below is based on the FICO scoring model which ranges from about 375 to 900. Other lenders might use their own in-house scoring systems or another scoring model. General rules to determine your credit score and creditworthiness are as follows:

A rating [Credit score 660 or higher] -- You can easily obtain financing at the best rate; you can get approved for a credit card online in a few seconds. Note that a score above 700 means you have extremely good credit.

Typical debt- to- income ratio: Below 35%

Mortgage: You have not been late with a payment in the last 24 months

Installment loan: You have been 30 days late making payments 0 or 1 time within the last 12 to 24 months

Revolving credit: You have been 30 or 60 days late with a payment 0 or 1 time in the last 12 to 24 months

Additional requirements: Good/excellent credit during the last 2 to 5 years; no bankruptcy within the last 2 to 10 years

B rating [Minimum credit score 620] You can get approved, but not at lowest rate. You can get credit cards and such, but at a higher rate than someone with an A rating.

Typical debt-to-income ratio: Around 50%

Mortgage: You have been 30 days late with a payment 2 or 3 times in the last 12 months

Installment Loan: You have been 30 days late with a payment 2 to 4 times during the last 12 months

Revolving credit: You have been 30 days late with a payment 0 to 2 times in the last 12 months

Additional requirements: You have no 60-day late mortgage payments; if filed bankruptcy, it must be discharged 2 to 4 years ago

C rating [Minimum credit score 580] Have trouble getting approved. Very high rates.

The lender might ask you to get someone to co-sign for you.

Typical debt-to-income ratio: 55% or higher

Mortgage: You have been 30 days late with a payment 3 or 4 times in the last 12 months

Installment Loan: You have been 30 days late with a payment 4 to 6 times during the last 12 months

Revolving credit: You have been 60 days late with a payment 2 to 4 times in the last 12 months

Additional requirements: If you filed bankruptcy, it was discharged 1 or 2 years ago

D rating [Minimum credit score 550] Serious trouble getting approved. Co-signor required.

Typical debt-to-income ratio: Around 60%

Mortgage: You have been 30 days late with a payment 2 to 6 times in the last 12 months; and 60 days late 1 to 2 times during the last 12 months

Installment Loan: You have a few 90 and 120 day late payments during the last 12 months

Revolving credit: You have a few 90 and 120 day late payments during the last 12 months

Additional requirements: If you filed bankruptcy, was discharged within last 12 months

E rating [Credit score under 550] Unlikely to be approved.

Typical debt-to-income ratio: Around 65%

Mortgage: You have a pattern of 20, 60, 90 and/or 120 day late payments

Installment Loan: You have a pattern of 20, 60, 90 and/or 120 day late payments

Revolving credit: You have a pattern of 20, 60, 90 and/or 120 day late payments

Additional requirements: You may have a current bankruptcy or foreclosure

How to Calculate Your Debt-to-Income Ratio

The formula for calculating your debt-to-income ratio is monthly fixed expenses divided by gross monthly income (before taxes and deductions). Monthly fixed expenses include all debt, such as the following: house payment or lease, credit card and other revolving credit balances that it will take you longer than 6 months to pay off; car payments, alimony, child support, etc. Do not include grocery, telephone, and utility bills or any debt that will be paid off in the next few months.

Sample calculation:

Gross monthly household income: $5,000

Fixed expenses: $1,560

[house payment $540.00 + car payment $370.00 + credit cards $250.00 + child support $400.00]

Debt-to-income ratio calculation:

$1,560

$5,000 = 31%

Fico Scores Effect Purchasing

Fri, 12 Mar 2010 23:05:04 +0000

FICO® scores were developed by Fair Isaac & Company, Inc. for each of the credit repositories. The scores are: (Equifax) Beacon®, (Experian formerly TRW) Experian/FICO and (TransUnion) Empirica®. They are simply repository scores meaning they only consider the information contained in a person's credit file; they do not consider a persons income, savings or amount of a down payment for a mortgage.

The scores were designed to assess risk. They are useful in directing applications to specific loan programs and to set levels of underwriting, i.e. streamline, traditional or second review. The scores are objective, consistent, accurate and fast.

Many people in the mortgage business are skeptical about the accuracy of FICO scores. Scoring has only been an integral part of the mortgage process in the past few years; however, the scores have been in use since the 1950's by retail merchants, credit card companies, insurance companies and banks for consumer lending. The data from large scoring projects emphasizes the accuracy, the predictive quality of the scores. Large portfolios have been scored for mortgage servicing and investment groups, and again, they demonstrate that FICO scores work.

The scores were developed from each repository's database using actual loan performance. A sample of over 750,000 consumers per repository was used. The repositories have each made great strides to increase the accuracy of their respective database through computer technology and internal monitoring. There is a new standard reporting format for credit grantors to use when sending electronic information to the repositories; this is the critical first step to providing accurate data.

The scores use a multiple scorecard design. Each repository uses 10 individual scorecards, and the models at each repository are the same. This increases accuracy and optimizes the predictive variables for each subpopulation. (For example, a borrower with two 30-day late payments will be scored against a population with some minor delinquencies.) This feature may cause a borrower with delinquencies to score in the same range as a borrower without delinquencies. Scorecards are reviewed and updated every twenty-four months.

The actual scoring process is proprietary, and the algorithms are copyrighted. We can share the predictive variables, the portion of the credit file considered and the weight as provided by Fair Isaac. They are:

Previous credit performance (35%)
Current level of indebtedness (30%)
Time credit has been in use (15%)
Types of credit available (15%)
Pursuit of new credit (less than 5%)

FICO has changed the way it factors credit checks, inquiries. These changes should minimize the "negative" effects that aggressive rate shopping or the normal mortgage process can have on a mortgage applicant. In the new Beacon version, the deduping process has been expanded beyond seven days. One variable counts the number of days within 365 days of scoring. If there has not been an inquiry, the deduping mechanism is not activated. If there is a consumer originated inquiry within the past 365 days from mortgage or auto related industries, these inquiries are ignored for the first 30 calendar days from scoring; then, multiple inquiries within the next 14 days are counted as one. Each inquiry will still appear on the credit report.

Scores should not change significantly because the variable in the model using inquiries contributes less than 5% of the predictive power of the model. According to Equifax statisticians, an average of 5% of the credit reports in the Equifax consumer credit reporting database (over 200 million consumer files) will see a change in score due to this. Fewer than 5% of those will see a change significant enough to effect a loan decision.

In order to get a score a borrower must have the following conditions in his/her file:

No "Deceased" indicator on the credit file
At least one undisputed trade line that has been updated in the last six months
One trade line open at least six months

Scores range from 350 (high risk) to 950 (low risk). A scorecard of 660 will be 660 on Beacon 96, Empirica and Experian/FICO if the data on each file is the same. However, each repository is likely to contain different data.

Every score is accompanied by a maximum of four reason codes. Reason codes identify the most significant reason that a consumer did not score higher. They are not red flags. Consumers with scores in the 800 range get reason codes just as consumers with scores in the 500 range. The reason codes may be used in describing to the consumer the reason for adverse action. Scores are not part of the credit file and are not covered by the Fair Credit Reporting Act. Scores, if disclosed to the consumer, must be related to the credit file - using the reason codes - since the score has no meaning in itself; the meaning or risk level is assigned by the lender and the investor.

When applicants have erroneous information reported, document the inaccuracies. The easiest way to do that is to have your credit-reporting agency upgrade the merged in-file to an edited mid-range report or to a Residential Mortgage Credit Report. With the upgraded report, you can ignore the score! The file will have to be handled in a traditional manner for underwriting and investment purposes. The developed report will provide the paper trail that investors want.

Property Rights

Fri, 12 Mar 2010 23:05:04 +0000

Property Rights

Real Property Definition

Fri, 12 Mar 2010 23:05:04 +0000

Real Property Definition

Property Investment

Fri, 12 Mar 2010 23:05:04 +0000

Property Investment

Property Trust(s)

Fri, 12 Mar 2010 23:05:04 +0000

Property Trust(s)

Negotiating a Contract

Fri, 12 Mar 2010 23:05:04 +0000

Negotiating a Contract

Real Estate Negotiation

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate Negotiation

Dont Let It Fall Through

Fri, 12 Mar 2010 23:05:04 +0000

Dont Let It Fall Through

Sell Your Home Fast

Fri, 12 Mar 2010 23:05:04 +0000

Sell Your Home Fast

Real Estate Tax Advice

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate Tax Advice

Property Inspection

Fri, 12 Mar 2010 23:05:04 +0000

Property Inspection

Pick An Offer

Fri, 12 Mar 2010 23:05:04 +0000

Pick An Offer

Open House Expectations

Fri, 12 Mar 2010 23:05:04 +0000

Open House Expectations

Your Open House

Fri, 12 Mar 2010 23:05:04 +0000

Your Open House

Marketing Info

Fri, 12 Mar 2010 23:05:04 +0000

Marketing Info

Listing Real Estate

Fri, 12 Mar 2010 23:05:04 +0000

Listing Real Estate

Selling My Property

Fri, 12 Mar 2010 23:05:04 +0000

Selling My Property

Multiple Offers

Fri, 12 Mar 2010 23:05:04 +0000

Multiple Offers

Getting Real Estate Ready

Fri, 12 Mar 2010 23:05:04 +0000

Getting Real Estate Ready

Real Estate List Price

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate List Price

Housing Market Info

Fri, 12 Mar 2010 23:05:04 +0000

Housing Market Info

Pricing Your Property

Fri, 12 Mar 2010 23:05:04 +0000

Pricing Your Property

Property Appraisal

Fri, 12 Mar 2010 23:05:04 +0000

Property Appraisal

Real Estate Appraisal Info

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate Appraisal Info

More Tax Advice

Fri, 12 Mar 2010 23:05:04 +0000

More Tax Advice

Real Estate Agent

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate Agent

Real Estate FSBO Advice

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate FSBO Advice

Real Estate Appraisal

Fri, 12 Mar 2010 23:05:04 +0000

You should look at each home for its individual characteristics. Generally, older homes may be in more established neighborhoods, offer more ambiance, and have lower property tax rates. People who buy older homes, however, shouldn't mind maintaining their home and making some repairs. Newer homes tend to use more modern architecture and systems, are usually easier to maintain, and may be more energy-efficient. People who buy new homes often don't want to worry initially about upkeep and repairs.

Only an appraiser can give a real home value, but one thing your Wellington real estate agent can help you with, is determining the 'sold' value of homes around the area. This is especially important when writing an offer!

Real Estate Tax Shelter(s)

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate Tax Shelter(s)

Real Estate Tax Benefits

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate Tax Benefits

Loan Closing Advice

Fri, 12 Mar 2010 23:05:04 +0000

Loan Closing Advice

Escrow Advice

Fri, 12 Mar 2010 23:05:04 +0000

Escrow Advice

Home Loans

Fri, 12 Mar 2010 23:05:04 +0000

Home Loans

Closing Costs

Fri, 12 Mar 2010 23:05:04 +0000

Closing Costs

Review A Closing

Fri, 12 Mar 2010 23:05:04 +0000

Review A Closing

Closing a Home

Fri, 12 Mar 2010 23:05:04 +0000

Closing a Home

After The Loan

Fri, 12 Mar 2010 23:05:04 +0000

After The Loan

Credit History

Fri, 12 Mar 2010 23:05:04 +0000

Credit History

Negotiating Tips

Fri, 12 Mar 2010 23:05:04 +0000

Negotiating Tips

Property Negotiation

Fri, 12 Mar 2010 23:05:04 +0000

Property Negotiation

Safety Inspection

Fri, 12 Mar 2010 23:05:04 +0000

Safety Inspection

Home Inspector Worksheet

Fri, 12 Mar 2010 23:05:04 +0000

Home Inspector Worksheet

Home Insurance

Fri, 12 Mar 2010 23:05:04 +0000

Home Insurance

Home Inspection

Fri, 12 Mar 2010 23:05:04 +0000

Home Inspection

Debt To Income Ratio

Fri, 12 Mar 2010 23:05:04 +0000

Debt To Income Ratio

Your Loan

Fri, 12 Mar 2010 23:05:04 +0000

Your Loan

Apply for a Mortgage

Fri, 12 Mar 2010 23:05:04 +0000

Apply for a Mortgage

Select a Mortgage

Fri, 12 Mar 2010 23:05:04 +0000

Select a Mortgage

Mortgage Alternatives

Fri, 12 Mar 2010 23:05:04 +0000

Mortgage Alternatives

Basic Mortgage

Fri, 12 Mar 2010 23:05:04 +0000

Basic Mortgage

Mortgage Loan

Fri, 12 Mar 2010 23:05:04 +0000

Mortgage Loan

Effective Offer Writing

Fri, 12 Mar 2010 23:05:04 +0000

Effective Offer Writing

Mental Control

Fri, 12 Mar 2010 23:05:04 +0000

Mental Control

Comparison Shopping

Fri, 12 Mar 2010 23:05:04 +0000

Comparison Shopping

Home Selection

Fri, 12 Mar 2010 23:05:04 +0000

Home Selection

Home Hunt

Fri, 12 Mar 2010 23:05:04 +0000

Home Hunt

Approval Letters

Fri, 12 Mar 2010 23:05:04 +0000

Approval Letters

Real Estate Ads

Fri, 12 Mar 2010 23:05:04 +0000

Real Estate Ads

House Search

Fri, 12 Mar 2010 23:05:04 +0000

House Search

Your Wish List

Fri, 12 Mar 2010 23:05:04 +0000

Your Wish List

Find your Dream

Fri, 12 Mar 2010 23:05:04 +0000

Find your Dream

A REALTOR Can Help

Fri, 12 Mar 2010 23:05:04 +0000

A REALTOR Can Help

Confidence and Experience

Fri, 12 Mar 2010 23:05:04 +0000

Confidence and Experience

Ownership Advice

Fri, 12 Mar 2010 23:05:04 +0000

Ownership Advice

Young Buyer

Fri, 12 Mar 2010 23:05:04 +0000

Young Buyer

Home Ownership: Are You Prepared?

Fri, 12 Mar 2010 23:05:04 +0000

Home Ownership: Are You Prepared?

Buying an Affordable Home

Fri, 12 Mar 2010 23:05:04 +0000

Buying an Affordable Home

Home Ownership : How To

Fri, 12 Mar 2010 23:05:04 +0000

Home Ownership : How To

Buy vs Rent

Fri, 12 Mar 2010 23:05:04 +0000

Buy vs Rent

Checklist for Home Buyers

Fri, 12 Mar 2010 23:05:04 +0000

Checklist for Home Buyers

Buying and Selling Real Estate in Wellington FL

How a Realtor Earns Their Pay

The Perfect Flyer

How to interview a Realtor

How raising your score saves thousands

Equestrian Club

Versilles

Olympia

Olympia

Black Diamond

Community Features:

Outside Your Home:

Inside Your Baths:

Inside Your Home:

Inside Your Kitchen:

Equestrian

Demographics

Communities

Wellington Communities

Mortgage Funding Info

Credit Info

Fico Scores Effect Purchasing

Property Rights

Real Property Definition

Property Investment

Property Trust(s)

Negotiating a Contract

Real Estate Negotiation

Dont Let It Fall Through

Sell Your Home Fast

Real Estate Tax Advice

Property Inspection

Pick An Offer

Open House Expectations

Your Open House

Marketing Info

Listing Real Estate

Selling My Property

Multiple Offers

Getting Real Estate Ready

Real Estate List Price

Housing Market Info

Pricing Your Property

Property Appraisal

Real Estate Appraisal Info

More Tax Advice

Real Estate Agent

Real Estate FSBO Advice

Real Estate Appraisal

Real Estate Tax Shelter(s)

Real Estate Tax Benefits

Loan Closing Advice

Escrow Advice

Home Loans

Closing Costs

Review A Closing

Closing a Home

After The Loan

Credit History

Negotiating Tips

Property Negotiation

Safety Inspection

Home Inspector Worksheet

Home Insurance

Home Inspection

Debt To Income Ratio

Your Loan

Apply for a Mortgage

Select a Mortgage

Mortgage Alternatives

Basic Mortgage

Mortgage Loan

Effective Offer Writing

Mental Control

Comparison Shopping

Home Selection

Home Hunt

Approval Letters

Real Estate Ads

House Search