3 Short Sale Scripts To Get The Listings You Want

When you are speaking with a prospect either on the phone or in person what you say makes all the difference. Saying the wrong sentence, word, or coming off the wrong way can destroy your conversion rate.

Short sale prospects should convert to a signed agreement 90% of the time provided you use the right scripts. Keep in mind there are a few items that you must avoid at all costs. Before we get into the short sale scripts let’s look at what to avoid.

„3 Phrases That Will Kill Your Chances of Getting the Short Sale Listing You Desire“

These 3 phrases will kill your opportunity so study them carefully. Also note that anything even remotely close to these phrases will cause the seller to have a negative opinion of you.

  • Why did you buy a home with a mortgage that had an adjustable rate? Did you know there were fixed rate options?
  • Is that nice car out there something that was bought with the money you owe to your second?
  • These pictures look like you went on some nice vacations I bet you wish you had the money from those back.

While these phrases might sound extreme even slight variations of these can lead to a sour taste in the clients mind.

With the above in mind to ignore and remove from your vocabulary let’s look at scripts that will set the client and ease and have them demanding to use your services.

„3 Short Sale Scripts That Have Clients Demanding to Use You“

  1. „Would you like to know the different options available to you to avoid foreclosure?“
  2. „Would you like to know how to avoid foreclosure and save your credit at the same time?“
  3. „How soon would you like to move from your property?“

Sellers who are considering a short sale want to know (and deserve) that someone cares about them. They do have options. Providing each seller with options allows them to choose you because you will be the only one providing them with the information they need to make a qualified decision.

Discover short sale listing letters that will generate listings for you in the next 72 hours @ www.ShortSaleMasteryProgram.com.

Immobilienmakler Heidelberg

Makler Heidelberg

Best Way to Find Foreclosures – 5 Tips for Finding Foreclosures

Are you looking for foreclosures in your area? Conditions in various seller’s markets may be different but there are still ways in which you can easily find foreclosed homes for your ownership.

Tap the services of real estate agents. Real estate agents are given access to a system which is known as MLS or Multiple Listing Service. It is through this system that the agents are able to find foreclosed homes in a specific area. Thus, tapping such professional is one way to find a foreclosure.

Scout for real estate yard signs. Banks are still into the practice of putting yard signs into properties that have come back to their stables of possessions. There are variations of these signs but aside from foreclosure, included among the most common signs are bank-owned, bank repossessed, and bank repo. Typically, the real estate agent’s name is reflected on the sign. Take the opportunity to call whoever is written on the sign. with advanced thinking, you can already ask about forthcoming foreclosures in your area.

Join social media groups geared towards foreclosure buy and sell. Social media has become habitat to a variety of groups with different purposes and goals. Foreclosure groups are no different. They have thrived and lived on social media. If you are savvy enough, you will be lucky to find some groups over Facebook. Join them. You’ll not only find foreclosures in your area. You will also be up for learning from the experiences, tips, and suggestions that will be shared by other members.

Visit real estate websites. Apart from the real estate agents themselves, a lot of real estate firms maintain official websites. There are firms which concentrate on foreclosures. There are also those which offer the buying and selling of mixed properties along with foreclosures. Either kind, you can browse through their listings and filter those properties that are already foreclosed or those that are nearing repossession.

Make your own ads. Digital marketing, aside from being free, is powerful in terms of the number of reach it can have. A single post can reach multiple sellers. Utilize your social media accounts for free posts that you are looking for a foreclosed property to buy. Just patiently wait for responses, and you’ll be more than happy to see that there are indeed a number of persons who are willing to negotiate for their foreclosed homes.

Foreclosed properties are just near your place. By finding them and giving good offers, you are not only taking a step towards buying a dream house or an investment property. You are also making someone benefit from the amount that will be granted when deal is closed.

Immobilienmakler Heidelberg

Makler Heidelberg

Homes for Sale – Staging Tips

When homes for sale go on the market the homeowner hopes for a quick sale but sometimes it can take a couple of months before that happens. Even if you have perspective buyers looking at your home it can still take awhile. There are some staging tips that homeowners can use to help make a quicker sale. One of the purposes for staging homes for sale is to help make buyers feel that your home offers them everything that they are looking for in a home. It is all about presentation and preparation with the goal of getting a higher market value for your home and selling it faster.

One important thing to remember before you have potential buyers coming into the home is get rid of the clutter and dirt. Make sure that things, especially personal things, are packed and put into storage. This can include family pictures, extra books sitting on tables, etc. You should also make sure that your bathroom and kitchen counters are clean and clutter free. Wipe off the doors of the stove and refrigerator. The dishes should not be left in the dishwasher or in the dish rack on the counter. If you have a cat do not leave their litter box in plain sight but move it to the porch or even the garage. You want the prospective buyer to look at your home and be able to see their stuff there.

Arrange the furniture away from the windows if possible so the potential buyers can see the windows and out into the yard. Make sure the windows are clean and streak free. Make sure that the curtains are pulled back to let in the natural light. If you have hardwood floors make sure that they are clean. Look at the furniture in the rooms and if you can move some to storage do so. Too much furniture can make rooms look smaller and more cluttered. On the couches and chairs do not overload them with throw pillows.

Check your closets and pack up out-of-season clothes or clothes that you are not wearing and also put them in storage. When potential buyers are looking at homes for sale they will want to open closets to check out the room to see if they are big enough for them so you want them to be able to do so. You do not want the buyers to see an overstuffed closet. The same thing goes for the kitchen cabinets, and bathroom closets. If there are lights in the closets make sure they are working.

You should also look at the outside of your home to make sure that the lawn is neatly cut and any flower beds are neat and clean.

Immobilienmakler Heidelberg

Makler Heidelberg

Selling Homes Fast – Great Tips On How To Sell Your Home Faster

If you looked at the new lately you know that trying to sell your home fast in today’s real estate market is difficult if not impossible. Home sales have dropped and things don’t look good for the near future. As a real estate investor I have learned a few tricks on how to sell my homes fast. Most of these tips are common sense but unfortunately many real estate agents and home sellers don’t practice them.

Price your home appropriately for the market. Most people will overprice their home simply because it is their home. The fact is that your home is worth what someone is willing to pay you. So to find out what your home is worth make sure you look at comparable home sales in your neighborhood. After you find your true home value discount the price by at least three percent. No other factor determines how fast a home sells than price.

Advertise your home in as many low cost sources as possible. If you have listed your home then your home is most likely on the MLS system. The MLS system is your best source of advertising but there are many other forms of low cost advertisement. There are many websites that allow you to list your home and a picture of your home for free. Some of the sites charge a few dollars. Make sure you make plenty of flyers and signs and put them everywhere. Make sure you obey local laws concerning where you can place signs and flyers.

Visit your local real estate investor club or call them. Many investors are willing to buy your home for a fair price if you are flexible. It never hurts to get an offer. If the offer is to low then don’t accept it.

Immobilienmakler Heidelberg

Makler Heidelberg

The Relationship Between Insurance and Finance

Insurance and finance are closely interwoven fields of business, not least because they both involve money. They also often both involve speculation and risk, and often where one goes, the other will follow. Take property investment for example, it involves a large amount of capital out lay, swiftly followed by insurance to protect the capital investment. It would be ridiculous to spend such a vast sum of money on a venture and not protect it against possible damage. It therefore makes sense to store information on these two subjects together, as the relationship is so logical.

Insurance is a form of risk management used to protect the insured against the risk of a loss. It is defined as the equitable transfer of the risk of a loss from one entity to another in exchange for a premium. There are different kinds of insurance for just about every conceivable event. The most common insurance is probably life insurance, which provides a monetary benefit to a decedent’s family or other designated beneficiary.

It can cover funeral or burial costs and can be paid out to the beneficiary in either a lump sum or as an annuity. Property insurance is one of the more necessary insurances as property is extremely expensive and if it is lost or damaged for some reason (fire, earthquake, flood) it can be very difficult to replace without adequate reimbursement. Travel insurance used to be seen as an unnecessary expense and is still viewed as such by many. Its importance is, however, being increasingly recognised by the public at large. It is cover taken by those who travel abroad and covers certain unforeseen events such as medical expenses, loss of personal belongings, travel delays etc. There are numerous other types of insurance, too many to mention, all vital if you want to protect something of particular importance to you or another.

In the world of finance there are many sub-categories, also too numerous to mention but a few will be included here. Forex, or the foreign exchange market wherever one currency is traded for another. It includes trading between banks, speculators, institutions, corporations, governments, and other financial markets. The average daily trade in the global forex is over US$ 3 trillion.

Tax consulting usually involves CPAs and tax lawyers in addressing any tax issues that you may have. There may also be Professional Strategic Tax Planners and Enrolled Agents, depending on the company that you hire. They will help you reduce your tax debt, eliminate tax penalties, an innocent spouse claim, tax liens, bank levies, and preparing unfilled tax returns, as well as any other tax resolution problem that you might have.

Property investment is usually when an investor buys property with an eye to generate profit and not to occupy it. It is an asset that has been purchased and held for future appreciation, income or portfolio purposes. In some instances an investment property does not have to be held for profit, as some landlords in New York lease office buildings to non-profit organisations for tax purposes. Homeowners consider their homes to be investments but they aren’t classified as investment properties. Perhaps if you’re buying your second or third home, it can be considered an investment property, especially if you plan to rent it out to help pay off the home loan.

Business networking is a marketing method, which is as old as business itself. It’s been around since ever since people learned to hold a glass of whiskey and schmooze. In fact, its probably been around a lot longer, Cro-Magnon man probably gathered around the newly discovered fire and showed each other their collection of animal teeth and traded them. Creating networks of crocodile teeth owners and sabre toothed tiger owners, who tried a take over bid against the sabre toothed leopard owners. Business networking is designed to create business opportunities through social networks. It helps if the people involved are of the same frame of mind.

These days a very handy way of business networking is via the Internet on the various social media available. But it must be said that very little can beat the intimacy and trust created by face-to-face relationships. Also, where would our businessmen be without their whiskeys and weekly schmooze?

Immobilienmakler Heidelberg

Makler Heidelberg

Trailering Older Horses

Long distance transport for the older horse

The details for preparing an older horse for a long trip are pretty much the same to move any horse long-distance, remembering that the recovery time for an older horse is longer than for a younger horse. Here are the steps to keep a horse safe and to make it a good experience. First let’s talk about the things that you should not do before setting off on a long trip. It is never a good idea to trim your horse’s feet or to vaccinate them a couple days before transport. How many times have we seen horses become footsore because of that trim. And of course, older horses have a higher chance of running a temperature after being vaccinated. If your horse requires a rabies certificate or requires new shoes, please do it several days prior to shipping.

The day of shipping, particularly when it is warm outside, to not grain your horse. Even with slight dehydration, a horse can impact colic from undigested grain in their system. Another note here, horses that are not great shippers have a higher incidence of ulcers. Transport can be highly stressful. Many horse vets recommend medications like Gastrogard to reduce the ulcer risk.

We’ll spend some time here talking about you transporting your horse. Later in the article I’ll have some thoughts about what to expect for your older horse by shipping with a commercial carrier. After you have successfully loaded your horse, one of the most important things you can do is to make their journey comfortable. You should not keep them tied. This prevents them from dropping their heads and keeping their sinuses clear, leading to congestion and possible pneumonia. Next, bring a sufficient supply of hay that they have been eating. Just as we are careful to slowly switch our horses from old hay to new hay at the barn, it is also important to be careful here, and not switch hay, if at all possible.

I recently transported a yearling filly The folks where I picked her up went out to the grain store and bought hay to go with her. It was not the hay that she was used to and she had loose poops as a result. It’s also important to have water available for your horse too. Most horses will not drink in the first 12 hours of transit. Particularly when it’s hot it is important to have water in front of them. We hang a Foraflex bucket and fill it half full while we are moving.

I recommend that you carry water that the horse is used to. It is not always possible but like hay it’s important to keep them eating and drinking the same things they used to at home. It’s also important carry water with you when it is hot weather, if for any reason you are delayed in transit. The last two things to consider when moving your horse cross country are blanketing in winter and rest. I encourage my clients to put a sweat sheet beneath the blanket. That way if the horse is a little upset and sweats up, the sweat has a chance to be wicked away from the body and not stay in the blanket and give them a chill. There are many thoughts about resting the horse in transit.

One is to stop for an hour every four hours to let the horse rest. Recently a study done at Texas A&M found that short periods of rest were not effective. Because I transport horses alone I need to stop each day for an eight hour rest period.

This gives the horses a chance to rest and recover and rehydrate. They come off the trailer fresh at the end of the journey. If time is not an issue and you want your horse off the trailer overnight, I recommend websites like HorseTrip.com that lists horse hotels across the country.

I wanted to take a moment to discuss commercial carriers and how they operate. Most commercial carriers have two drivers, and so equipment really never stops moving. Horses never get a chance to rest and recover. Also many carriers, never give horses their head, but keep them tied. Horses finish their trip often exhausted, dehydrated, and even sick. There are many trucking companies out there that the drivers are just that, drivers not horseman. They’re hauling freight, not horses. The other thing that happens with long-distance commercial carriers is that they don’t take the most direct route. Most recent example I can give you was a transport that I bid on and the person who bought the horse decided to have another hauler to the work, because he was cheaper. What the hauler did not tell him when he picked the horse up in Georgia to go to New York was that he was going via Texas.

Two things occurred here. First, the horse was coming from warmer climate to a winter climate and should have been blanketed for the second half of the trip. And second, the trucker did not tell the client that he was not taking the most direct route. The horse was on the trailer three days longer than necessary, exhausted and sick. So much for saving a couple hundred bucks for the transport. So when you need to use a commercial hauler there a couple of things that you should ask and get answered. First, is it the most direct route possible and second, you need at least three references. I What you horse reaches its destination. It is important to give them at least one day of no work to recover from the trip, and two days with no work is even better. I also suggest that y u give them a full day to rehydrate and not feed to any grain.

That’s it from here. Safe travel.

Immobilienmakler Heidelberg

Makler Heidelberg

Private Schools Near Virginia Water, Surrey

Virginia Water is located in the affluent county of Surrey. Virginia Water is one of most expensive areas in the country, with its millionaires neighbourhood at the Wentworth Estate. And as a result of large number of families with high income, there is a big supply of private schools in and around Virginia Water:

Woodcote School in Windlesham is the ultimate family-run boarding and day school. Owned by the Paterson family since 1931, they seek to provide a ‚home from home‘ for 100 boys between the ages of 7 and 13. Many aspects of life at Woodcote are unique to their school. Courtesy towards others, high standards of personal conduct and a balanced education really matter at Woodcote.

Sunningdale School is a small country preparatory boarding school which offers an outstanding all round education to 100 boys. This is a family run boys‘ prep school in Berkshire founded in 1874 it stands in 25 acres of mature gardens and grounds.

Bishopsgate School here children learn and play in a beautiful woodland setting on the edge of Windsor Great Park. The grounds provide a wonderful learning resource and there are acres of space for healthy play. A recent school inspection report gave the top grade of „Excellent“ in each of the 8 key areas.

Sir William Perkins founded by a wealthy Chertsey merchant, in 1725 to educate the town’s children. Today this girls school has around 580 pupils aged eleven to eighteen and is situated on attractive Green Belt land.

St Georges College in Weybridge is a leading independent co-educational Roman Catholic day school in Surrey for 3-18 year olds offering a values led education for all. St George’s College is proud to have a reputation for being a friendly school where all students are individually known and valued equally whatever their strengths and weaknesses.

Hurst Lodge an independent day and weekly boarding school for boys and girls aged 3-18 set in twenty acres of beautiful Berkshire parkland. Here children are offered challenging and diverse opportunities, teaching in small classes and the opportunity to develop new skills and interests.

Licensed Victuallers is co-educational, independent day and boarding school for young people aged 4 to 18, based in Ascot, Berkshire. Good Schools Guide 2012 said: „A school with timeless values that makes non-selectivity the starting point for success rather than a justification for its absence.“

St Georges in Ascot is a thriving boarding and day school for girls aged 11 to 18. Founded in 1877 boys‘ Prep School, with 41 pupils this was school the school that Winston Churchill attended at the tender age of seven. It became a girls‘ school in 1904 when Miss Pakenham-Walsh opened it as a finishing school.

Immobilienmakler Heidelberg

Makler Heidelberg

Top 8 First Time Home Buyer Grants, Programs and Freebies

A survey by Harvard Business School found 78% of baby boomers and millennials want to buy a home. The catch? Most ‚think‘ they can’t afford one.

In many cases, this may be true. But the research also discovered many can. It found many had an income, credit rating, and time on the job good enough to qualify for the many first time home buyer programs and grants I’ll mention in this article.

Note: For more details, Google all phrases in bold.

1. Federal Housing Administration Loan (F.H.A).

If you have a credit score of at least 580 you could qualify for a mortgage for as low as 3.5 percent of the price of the home.

F.H.A loans have helped more first time homeowners than any other type of loan.

2. United States Department of Housing and Urban Development (H.U.D).

H.U.D offers many first time owner grants and low interest loans, depending on the state, city or area you live in.

Note: For those who now live in public or government housing you may qualify to purchase the home, condo or apartment you now live in through the HUD Public Housing Homeownership Program

3. V. A (Veterans Administration) Loans.

If you’re an active duty service person or veteran you may quality for a no down payment low interest rate loan. The VA loan is the lowest cost mortgage on the market because you’re not required to pay for mortgage insurance.

4. The Good Neighbor Next Door Program.

This program for first time home buyers offers home for up to 50% off the retail price. To qualify you must be a teacher, police officer, fire fighter, or EMT. A $100 down payment is all that’s required.

You must commit to live in the home for at least 36 months.

5. Energy Efficient (or Green) Mortgage.

The energy efficient mortgage was created to help first time homeowners add energy efficient improvements to their home. These loans are insured through VA and FHA programs.

This mortgage let you build an energy efficient home without requiring you to make a larger down payment.

6. HomeReady HomePath Mortgage.

  1. Another popular program for first time home buyers. To quality you must take a short buyer education course. After you complete the course you’ll receive 3% toward closing cost for a mortgage loan. The down payment, 3%, is lower than the lowest FHA loan.

7. HUD Dollar Home Program.

After 180 days on the market, certain unsold HUD Properties are offered exclusively to local governmental entities for $1 for 10 Days. Local city of counties then offer these properties to residents to revitalize communities or neighborhoods.

8. USDA Home Loan Program.

This program focuses on homes in mostly rural areas, if you like or can tolerate country living this loan may be for you. This program guarantees 90% of the loan, which means there may be no down payment required and the loan is fixed. Sweet!

These are the top 7 programs available for first time home buyers. As always, like ocean waves government programs come and go. But as of this writing these programs is helping thousands of first time home buyers who thought they couldn’t afford a home realize their dream. Check them out… you could be next!

First Time Home Buyer Love and Other Freebies

1. No Penalties.

A first-time homebuyer can take out up to $10,000 in contributions from the Roth IRA to pay for the home without penalties. Check with your tax advisor for the latest rules.

2. Real Estate agent. This person can be your greatest fountain of information when looking for your first home. They know your local housing market, the advantages and disadvantages of specific homes. They can help you pick the right home to fit your personal and financial needs and much more. The best part? They’re free if you’re a buyer.

3. Pre-Approvals. Another amazing freebie is pre-approvals. They help save you time and energy. How? They let you know what price range you can afford, helping you and your agent know which houses you should be looking at.

4. First-time Home Buyers‘ Tax Credit (HBTC): The HBTC is a non-refundable tax credit for first-time home buyers and is worth $750. The first-time home buyers‘ tax credit must be claimed on an income tax form no later than one year after the home is purchased.

5. The RRSP Home Buyers‘ Plan (HBP)

This program was designed to let you withdraw funds from your Registered Retirement Savings Plan (RRSP) before retirement for the purpose of a first home purchase. The advantage of the HBP is that the withdrawal is completely TAX FREE.

The RRSP Home Buyers‘ Plan allows you to withdraw up to a maximum of $25,000. Be sure to consult your tax consultant for more details.

Immobilienmakler Heidelberg

Makler Heidelberg

Top 7 Things You Need To Know About Buying A House

House buying can be a tricky business especially when you are doing it for the first time. There are, however, some top 7 tips you need to read before buying your house. Some of these tips may seem like no-brainers but take your time to consider each one before you start looking for a home.

1. Do not buy a house if you are not the committing type

This may sound too simplistic to be a point, but trust me buying a house is a commitment, a very long commitment at that, so if you are the rolling stone type then rather consider renting, it’s the equivalent of dating and buying a house is the equivalent of getting married.

2. Calculate what you can afford

Figure out how much you can afford to spend on a new home. You need to know your exact monthly expenditures. A budget will help guide you in the right price range of homes, this will help you get clear on what you are looking for so that you do not spend time looking at houses above your price range. Many sites, dealing with house buying have a tool called a home loan calculator, so make use of it and tally up all your expenses, and incomes and see what you are left with at the end of the month.

3. Save up

Start saving! If you have decided that you are serious about buying a home then I suggest you start saving money every month to put towards a down payment on your home. It is also very important to settle all debt as you will need a good credit history. Banks will not likely give you a loan if you have a bad credit history. So pay off all debts and then start saving.

4. Get bond savvy

Do some research while you are saving. Find out about terms such as fixed interest rates, interest rates, property tax and closing costs.

5. Get pre- approved

You have done your personal budgeting; now let the professionals verify the amount you can afford to spend on a bond. When you are pre -approved on a loan you can make a serious offer if you come across a house that you like, knowing with confidence that you can afford to buy it.

6. Buy in a place close to schools and malls

Something important to remember when buying a home is to buy in an area that is close to schools and shopping centres or public transportation, because if you decide to sell your house one day these are the factors people consider when buying a home. It also boosts property values.

7. Get clear about what you are looking for

Yes I am sure we would all love a house with a sauna and indoor swimming pool, but make sure that even if you are approved for a bigger loan that you don’t go and buy a bigger property with features that you don’t really need. Keep it simple and get really clear about the basics.

Immobilienmakler Heidelberg

Makler Heidelberg

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