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Paradise, CA

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For Sale by Owner

01-02-09
Tammy Vertrees
Tammy Vertrees: Real Estate Agent in Paradise, CA
  • view my blog
  • Office: (530) 413-8383
  • Secondary: (530) 877-6244
For Sale by Owner

Congratulations on your decision to sell!

Many homeowners decide to market their own homes in order to save money by not paying the real estate agent's professional fee for services. Frequently, the job is extremely difficult because of emotional involvement. Retaining objectivity throughout negotiations with a buyer is not always easy.

Even if successful, will you ever know with certainty that you received the highest possible price? I can assist in this process by getting price data on sold comparable properties and helping you to develop a marketing plan for your home. First, identify its selling features; then decide who the potential buyers are and how they can be reached.

Should you advertise, and if so, in which publications? Should you conduct a mass mailing, if so, to whom? Will you hold open houses? Open houses will allow you to meet all your neighbors, as well as all those who just like to "kick the tires" off of the local real estate market.

After you have worked out the details of your plan, you may be successful even without professional assistance. However, if you decide that you want assistance, don't hesitate to give me a call.

Be reminded that there is no obligation or expense until I have successfully brought a ready, willing and able buyer to you.



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Free - No Obligation CMA For Your Home

01-02-09
Tammy Vertrees
Tammy Vertrees: Real Estate Agent in Paradise, CA
  • view my blog
  • Office: (530) 413-8383
  • Secondary: (530) 877-6244
 
Free - No Obligation CMA For Your Home

Have you been thinking about selling your home but wanted to know how much it is worth before making your final decision? If so, consider requesting a free CMA.

What is a CMA?
It is a comparison of sales prices of similar properties in a given area for the purpose of determining the fair market value of a property. It's the method real estate professionals use to determine the value of a home for both sellers and buyers. The report will include the following information.

1. What buyers have recently paid for homes similar to yours in your local area.
2. What sellers are currently asking for homes similar to yours in your local area.

With this information you will know what you can expect to receive when selling your home in today's market.
To receive your free CMA, simply visit this web site and provide me with a brief description of your home. When I receive your information I will prepare the report and email it back to you within 48 business hours.

Click Here

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How much money will I have to come up with to buy a home?

12-12-08
Tammy Vertrees
Tammy Vertrees: Real Estate Agent in Paradise, CA
  • view my blog
  • Office: (530) 413-8383
  • Secondary: (530) 877-6244
How much money will I have to come up with to buy a home?

Answer: Well, that depends on a number of factors, including the cost of the house and the type of mortgage you get. In general, you need to come up with enough money to cover three costs: earnest money - the deposit you make on the home when you submit your offer, to prove to the seller that you are serious about wanting to buy the house; the down payment, a percentage of the cost of the home that you must pay when you go to settlement; and closing costs, the costs associated with processing the paperwork to buy a house.

When you make an offer on a home, your real estate agent will put your earnest money into an escrow account. If the offer is accepted, your earnest money will be applied to the down payment or closing costs. If your offer is not accepted, your money will be returned to you. The amount of your earnest money varies. Your deposit generally will range from $500 - $2,000.

The more money you can put into your down payment, the lower your mortgage payments will be. Some types of loans require 10-20% of the purchase price. That's why many first-time homebuyers turn to HUD's FHA for help. FHA loans require only 3% down - and sometimes less.

Closing costs - which you will pay at settlement - average 3-4% of the price of your home. These costs cover various fees your lender charges and other processing expenses. When you apply for your loan, your lender will give you an estimate of the closing costs, so you won't be caught by surprise.

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Can I become a homebuyer even if I have had bad credit and don't have much for a down-payment?

12-12-08
Tammy Vertrees
Tammy Vertrees: Real Estate Agent in Paradise, CA
  • view my blog
  • Office: (530) 413-8383
  • Secondary: (530) 877-6244
Can I become a homebuyer even if I have had bad credit and don't have much for a down-payment?

Answer: You may be a good candidate for one of the federal mortgage programs. Start by contacting one of the HUD-funded housing counseling agencies that can help you sort through your options. Also, contact your local government to see if there are any local homebuying programs that might work for you. Look in the blue pages of your phone directory for your local office of housing and community development or, if you can't find it, contact your mayor's office or your county executive's office.

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Why should I buy, instead of rent?

12-12-08
Tammy Vertrees
Tammy Vertrees: Real Estate Agent in Paradise, CA
  • view my blog
  • Office: (530) 413-8383
  • Secondary: (530) 877-6244
Why should I buy, instead of rent?

Answer: A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you'll enjoy having something that's all yours - a home where your own personal style will tell the world who you are.

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