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Real Estate Open
To people familiar with mortgage approvals and/or real estate. Please open to see full question.?
I am 19 and a student with $7,000 saved up. I still live at home and have very little expenses. I bring home about $135 a week from a part time job. I save most of it.(I also get about $1500 each year from a scholarship) I have no debt of any kind. I am just starting to build up my credit, by getting 2 credit cards last year. I always pay them off and I can tell that my credit is building because I am getting more cc offers with lower interest rates and my credit line is increasing. Anyway, I live in an extremely cheap living area where I can get a starter house(ones that I want) from around $25,000-$45,000. I was just wondering if any bank or other place would lend me the 80-90% of the asking price that I would need to buy a house. If not, what are some other ways of financing the house(without exhorbitant interest rates). After all, I would only need like $25000-$40000, at most. Thanks
This is a great question!! First of all, I'm amazed at how people WITHOUT any experience in the mortgage lending industry are offering advice to people about one of the most important issues in their life!!! I am the General Manager of a large Mortgage Company. Please listen!!!!!!
1st of all....Congratulations on realizing that real estate is where the security of your financial being is centered!! There are MANY programs that allow you...even a college student...to purchase a home. I'm going to make a few assumptions. 1) Your credit score is higher than 620 and you have no serious collections over a period of the last 12 months. 2) You can provide proof that you've been employed for at least 2 years. 3) You're a citizen of the US. 4) Your credit card HIGH LIMIT on at least ONE of the cards is $1000 or higher. (If it's not, ask them to increase it to at least $1000)
Contact any reputable mortgage BROKER and explain your situation. Typically, it's a broker than also has the ability to do FHA loans, though you don't HAVE to get an FHA loan. They are monitored by the government to a greater degree and MUST be reputable! There are MANY programs that offer 100% financing to you...that means, you will only have to pay the closing costs for the loan AND if you ask your real estate agent to locate homes where the owner is willing to provide SELLER CONCESSIONS, the seller can even pay the closing costs FOR YOU!! MANY MANY sellers are willing to do this since it helps sell the home faster!
IF you can get a business license for ANY job or home based business through your city or county, no matter if you actually do any business through that company or not, and if you can show that you've had that business license for at least 2 years...sometimes a little less...you CAN QUALIFY FOR A "STATED" LOAN. This is a loan that simply lets your credit score do the talking for you. The lender assumes that you have a reasonable income (which you will "state" to them...whether it is true or not) and you don't have to provide proof of it!! In the industry it is called a Liar's Loan. A cute moniker that does not mean the loan won't be done. Lenders understand that it is simply a tool that homeowners use when they can't prove their income. The weigh the credit score and history against the risk of the overall loan amount. Assuming your credit score is greater than 620...and it probably is much higher than that, you'll be fine. The lender may need to see that you have 3 - 6 months worth of mortgage payments in the bank, so you're $7K will come in handy. This is the only income verifcation they will do.
Interest rates for this loan are a little higher, but not by much. However, you can expect the overall rate to be higher than normal simply due to the low loan amount. Any loan smaller than $100K incurs a higher interest rate. It wouldn't be unusual for you to pay as much as 8 - 10%. However, as scary as that sounds, keep in mind that the loan amount is VERY small (relatively) and the payments are stretched over 30 years, so the impact of a high rate on a small loan amount is negligible (comparatively).
As an example.
$40,000 @ 7% = $266 pmt (principle & interest)
$40,000 @ 8% = $293 pmt
$40,000 @ 9% = $322 pmt
$30 per 1% is negligible!!
If you don't have a business license or don't want to wait that long, consider getting a co-borrower, like another party....mom, dad, sister, friend, etc. With both of your incomes, you'll more than qualify for a standard, Fully Documented loan (Full Doc) where you have to prove your income with W-2's, etc. After the loan is completed and closed, the other party can sign a QUIT CLAIM DEED at a title company and remove themselves from the title of the property. They will still be a responsible party for the loan itself, but not have any rights to the property. After 1 - 2 years, you can refinance the property using the STATED loan already explained, leaving the previous party (MOM) off the loan completely.
Lenders WANT to lend money to good people. They make MANY different loan types, like STATED loans to make this happen. Don't be afraid to bend the rules a little. That's why they're there.
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NEW LED SIGN "REAL ESTATE" 27"x15"x1" 24121 open loans | |
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US $204.95 | 10d 16h 38m |
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Real Estate Open House Feather Swooper Flag Set - includes pole set + spike | |
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US $49.99 | 10d 14h 24m |
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OPEN HOUSE 3x5 FLAG advertizing sign real estate banner | |
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US $4.99 | 28d 6h 6m |
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OPEN IN RED W/ BLUE & GREEN HOUSE REAL ESTATE GENUINE NEON SIGN 32 X 13 | |
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US $189.00 | 28d 4h 11m |
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OPEN HOUSE 15' TALL FLAG KIT Real Estate Feather Swooper Bow Banner Flutter | |
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US $64.95 | 3d 17h 6m |
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j291-b Open House Real Estate Decor Neon Light Sign | |
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US $28.99 | 26d 19m |
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OPEN HOUSE Flag Realtor Banner Advertising Pennant Real Estate Sign 3x5 Outdoor | |
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US $6.98 | 25d 14h 49m |
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OPEN HOUSE REAL ESTATE SALES BANNER CUSTOM TEXT 2 X 4 | |
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US $25.00 | 24d 11h 18m |
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LED SIGN "MORTGAGE" 27"x11"x1" 20838 OPEN REAL ESTATE | |
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US $174.95 | 22d 14h 48m |
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OPEN HOUSE BANNER FLAG Real Estate Advertising Feather Swooper Bow Flutter | |
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Real Estate Riches (Hardcover) $52.91 While real estate investors differ in terms of the asset classes they prefer to invest in-residential vs. commercial, for example-they are all unanimous in their desire to make more money and to do so as efficiently as possible. But often a key member of an investor`s team is taken for granted-the real estate agent. What skills can an agent bring to the table that would help the investor become a super investor-finding good properties faster and closing deals sooner? Real Estate Riches is designed to provide investors with key information about partnering with the right agent and understand how an agent can contribute in a very significant way to the achievement of an investor`s goals. Finding an agent with the right skill set, attitude and drive are top of mind for the investor, and this book shows the investor how to find and select the right agent to work with so the investor can make more money with less hassle. The notion of profiting in a big way from such a partnership also holds true for the real estate agent. The typical agent is missing out on huge opportunities to work with motivated investors who rely on their team of experts time and again as they build a portfolio of rental properties. A real estate agent, attuned to the needs of the investor, and attuned to the market in the way that an average residential agent would not be, can become a key expert for the investor and stands to make a lot of money by educating themselves and working hard. Real Estate Riches is designed to open the eyes of real estate agents to opportunities, to help them understand how and why the investor is a different animal than a typical home-buyer, and how to properly serve an investor client, which can bring rich rewards in terms of money and job satisfaction. |
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Real Estate $37.49 This condensed version of the best-selling REAL ESTATE PRINCIPLES, 11e, prepares you to pass the real estate license exam for a rewarding career in real estate. Thousands of real estate professionals have built their career on the foundation this popular principles book provides unlocking the key to their success in today's dynamic real estate industry.Jacobus introduces the fundamental principles of real estate with a clear, down-to-earth writing style and engaging examples throughout. His extensive background in real estate law and real estate education will give you a unique perspective on the business equipping you to effectively apply modern real estate practice. |
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Ethics for the Real Estate Professional, 3rd Edition $11.49 Real estate professionals are confronted every day with on-the-job dilemmas with sometimes contradictory regulations, codes of conduct, or laws that make it difficult to effectively resolve ethical conflict. Written by the acknowledged expert on real estate ethics, this new edition of a timeless real estate ethics resource will provide you with simple but real situations and the opportunity to explore and analyze ethics in your professional business. New topics include ethically handling competitors, new required disclosures, housing discrimination, and updated discussions in agency and Gallup Poll results. "How Would You Respond" questions and Case Study exercises allow for open discussion amongst a group or thoughtful reflection for independent studies. Deborah Long’s use of everyday language helps real estate agents gain an increased awareness and understanding of ethical decision making as they work through the various real-life scenarios and provocative discussion questions. |
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Mastering the Art of Selling Real Estate (Hardcover) $43.41 Describes the characteristics of a top salesperson, tells how to acquire and maintain listings, and offers practical tips on finding clients, holding effective open houses, establishing a fair price, and closing sales, in an updated guide to the art of real-estate sales. 20,000 first printing. |
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Marketing Real Estate Internationally $174.33 Written by a specialist in domestic and international real estate, this book provides an introduction to the marketing of real estate, real estate services, and real estate securities on an international basis. The economic, political, legal, and financial considerations for developing international real estate investment strategies are outlined. Beginning with an examination of the international marketing environment, the author discusses marketing management and strategies, pricing, promoting real estate products internationally, market research, and financial management. The book also contains an assessment of the future of international real estate marketing. Business Information Alert This book fills a gap in the real estate literature by providing a comprehensive, sophisticated introduction to the marketing of real estate, real estate services, and real estate securities on an international basis. Written by a wellknown authority on real estate investment, Marketing Real Estate Internationally addresses the complex economic, political, legal, and financial considerations that must be taken into account before a coherent international real estate investment strategy can be constructed and applied. This is the first practical guide of international real estate marketing to be written specifically for real estate professionals. Author: Hines, M. A./ Hines, Mary Alice Binding Type: Hardcover Number of Pages: 240 Publication Date: 1988/06/22 Language: English Dimensions: 9.00 x 6.00 x 0.69 inches |
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Classic Real Estate Response Log $2.99 Use to capture all reponses to a specific listing, whether the feedback is in person, called in, or at an open house. Highlight key information and features about the property on the top, and capture name, brokerage, contact information, comments and follow-up items on the bottom. Universal design to complement all Planning Page designs. Clear and crisp with clean white writing space and blue and gray borders. Monarch and Classic sizes utilize a wide lined format. The Compact size utilizes a standard lined format. Package of 50. |
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Nevada Real Estate $29.49 NEVADA REAL ESTATE PRINCIPLES & PRACTICES includes everything you need to prepare for your Nevada real estate salesperson license. This new "all-in-one" real estate book covers the fundamentals of real estate such as contracts, property ownership and finance, as well as state laws, rules and regulations governing the real estate industry in Nevada. Built on a proven class-tested model, the book combines solid industry fundamentals with the latest state-specific information students need to pass the Nevada licensing exam. |
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Real Estate Law $209.33 This text covers all real estate topics, providing simple explanations with examples to illustrate complex principles. Real estate law issues are handles with an encyclopedic treatment, addressing topics as the need arises. Ideal for use in classroom/continuing education setting, or as a reference for Real Estate or Law professional. |
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CNN Open House Real Estate Auction Segment with George Cappony
How A Real Estate Open House Can Benefit You
As a real estate agent there are many responsibilities that you will have to tackle on a regular basic.
(there is a free ebook: 101 Tips For Selling Your House,for you to download,if you would like to sell your own house, from a link at the bottom of this page).
Knowing what these responsibilities are is very important if you want to be a success. One area that a lot of people usually forget about is the open houses that they must conduct.
Of course, as a real estate agent you will not have to do these open houses every day of the week, but they will be a regular part of your schedule.
The good thing is that open houses are not bad. In fact, if you make them work to your advantage they can be a lot of fun.
So what is an open house?
Generally speaking, this is when you open the doors to a home you are selling for a specified period of time so that anybody and everybody can take a look. As a real estate agent you will have plenty of things to do at the open house, so do not get caught thinking that you can just sit around and let people in the front door.
Your biggest responsibility will be to show anybody who is interested the entire home.
As the real estate agent you are supposed to know everything about the home, and if you do a good job showing it you may be able to make yourself a sale on the spot.
Of course this does not happen often, but the better you become at guiding people through an open house the more sales that you will make.
The seller of a home usually does not have a lot to do with the open house. They will evacuate the premises before people arrive, and also make sure that the home is clean. But as the real estate agent it is your job to take care of the rest.
In addition to showing the home you may also want to hand out detailed information sheets, or anything else that potential buyers may find interesting. Every little bit of work helps when it comes to trying to sell a home.
Overall, real estate agents must become familiar with what it takes to run a quality open house.
If you put the time into learning the ins and outs of this event you will undoubtedly make things much easier on yourself. And all in all, that is what you are trying to do, right?
About the Author
Download 101 Free House Selling Secrets Here-with resale rights:
101 House Selling Secrets
