Hey Buddy, Wanna Buy a House? Or What Do Realtors Actually Do for All That Money

Real estate as a profession has been around as long as there has been a United States and yet many people have little idea how Realtors actually function. This understanding is exasperated by the fact that no two Realtors practice in the exact same way. While the aim is the same, the methods employed are often quite different. Still, the basic process remains unchanged.

This matters because both buyers and sellers are often challenged by their living situation–or lack thereof–to the point of severe stress both emotional and financial. Understand the process can be a great help.

Buyers, for instance, tend to think of real estate sales persons as someone who wants to sell them a house, that they will even try to talk a person into buying a particular property in order to make another commission. While some new licenses may start out like a glorified used car salesman with this idea they rarely last. Over 70% of new agents fail in the first year.

What actually happens is the Realtor learns all they can about a person’s needs and finances and combs the market for a home to fit those needs and financial limitations. This last issue is usually the toughest. Buyers strive to get the most home for the least cost and sellers strive to sell for the highest price. Add direct competition from other buyers and the landscape can be challenging at best.

This is where a good Realtor is worth his or her weight in gold. Well, maybe not their weight in gold, although this may be true in some cases, but a considerable amount of money at a time when financial resources are usually stretched to the limit.

Helping a buyer into the right home at the right price is the job and Realtors have been doing just that for as long as there have been Realtors. If they didn’t they would have gone extinct ages ago especially in today’s computer driven markets.

Once the right home is found the job is just beginning. The best price and terms must be negotiated. This is an art in itself and can save the home buyer a sizable fortune. Here’s where the network of Realtor affiliated with the Multiple Listing Service (MLS) and the National Association of Realtors (NAR) comes into play.

Both the buyer and the seller are typically represented by separate agents, each legally required to serve their client’s needs and no other. Buyers and sellers do not directly interact. This single factor facilitates successful agreements more than any other means since Realtors as experienced negotiators can put together deals that individuals usually cannot as witnessed by the staggering rate of negotiation failures experienced by FSBOs (For Sale by Owner sellers working without representation)

Once the deal is struck the next challenge is getting to the closing table through financing, home inspections, attorney and title hang-ups and even timing. The previous owner must leave at the same time the new owners are ready to move in. This is often on the same say, the day of the closing. Here too expertise pays off while sellers who manage to strike a deal experience major fall-through issues and failed closings forcing them to start over with all the accompanying costs and missed opportunity.

Realtors facilitate successful transactions not by pushing their own agenda but by expediting their client’s needs and goals.

Not only is trying to sell someone a home counterproductive in a world of cautious buyers it undermines an experience agent’s foundation for continues success in the profession: repeat customers.

Sellers too often labor under misconception about the process of selling their property. If they gave it any consideration at all they might think that what doesn’t really happen to buyers actually does. No successful agent goes out and tries to talks someone into buying a house.

What actually happens is much like marketing any product or commodity. Simply put, the Realtor promotes the listing to the buying public in the best possible light. This process too is greatly facilitated by MLS associations as a repository of homes for sale. The MLS is the single best source for home sales in the country where over 90% of buyers find their home through agents affiliated with a regional MLS. The goal is that no one interested in buying a home is left unaware of the seller’s offering. And that the best possible light means the place must show well and the price must be competitive with other similar homes since buyers will always choose the best home at the best price.

This can be as much of a challenge for sellers as it is for buyers. Again, the seller is looking to maximize their investment which does not usually include fixing the place up. If they wanted to make improvements or repairs they wouldn’t be selling in the first place and for the price they are getting the buyer should be willing to accept less than picture perfect–at least that’s often the common thinking. This is just as reasonable as buyer’s being put off by homes that need work and in their opinion overpriced but not conducive to anyone getting what they want and need.

What results is conflict–almost every time. Solving these innate issues is what Realtor do best: Finding the right home for the buyers based on their needs not their own. Or market the seller’s home effectively to bring in a ready, willing, and able buyer. Then making it work for both parties all the way to the closing table and a fine new home for the buyer and a big check for the seller to enhance their bottom line as well as their living situation. Not bad, not bad at all.

Immobilienmakler Heidelberg

Makler Heidelberg

Top 3 Factors That Make Oakland Homes for Sale a Homeseeker’s Favorite

Being the 8th largest city in the state of California, USA and the 41st largest in the entire nation, it is clearly comprehensible why many individuals who are planning to buy a home consider Oakland homes for sale and Oakland real estate listings on top of their list of choices. This major West Coast port, located on the Bay of San Francisco, about 8 miles east of main San Francisco, is a central city core for the Bay Area sub-region. The city is the county seat of the Alameda County and was originally inhabited by Native American people of the central California coast, who are known as the Ohlone people. But these are not the only reasons why more and more individuals are interested to live in Oakland, California. There are still more and this article will provide you an idea on the top factors that enticed many individuals to raise their family in this part of California.

1. Healthcare

For retirees, potential retirees, and even young families, healthcare is an important factor to consider when choosing a place to live in. Healthcare in Oakland is topnotch, being home to medical centers and hospitals with avant-garde and reliable facilities such as the Alameda County Medical Center, which provides medical services to residents, paying attention to medically indigent people living in Oakland without health insurance; Alta Bates Summit Medical Center, which is a product of merging with the former Alta Bates Medical Center in Berkeley.

Families with children should not worry that if their kids need medical and health treatment or consultation because the Children’s Hospital Oakland is fully equipped with high quality and dependable medical instruments, facilities and supply to provide medical assistance for your children.

2. Economy

With easy access to transportation and the availability of different businesses and developments, it would be easy to conclude that the economy of this wonderful place is something that most individuals and their families would be satisfied about. For instance, being the major West Coast port, residents would have more opportunity to find marine cargo-related employment wherein they will be given the chance to earn minimum hourly way at the least. There are also opportunities for high-ranking jobs and even average positions because of the different big corporations situated here including Clorox, Cost Plus World Markets, and Matson to name just a few.

The influx of people interested to get their own piece of paradise by investing in Oakland real estate started within West Oakland emphasizing on the West Oakland BART Station as its heart. And from there came the idea related to improving the place that can pave the way for providing more employment, better health services, recreational facilities, and new reasonably priced housing developments. This economic revitalization did not escape the keen eye of many investors focusing on interesting markets such as this and thus, made them more interested to focus on Oakland MLS in search for available homes for sale in Oakland.

3. Education

When it comes to raising your children, it is a given that you would look into the quality of education that is offered in this part of California. The good thing is that you would not be deprived of this in this city. There are good private and public schools in Oakland. The Oakland Unified School District composed of elementary schools, middle schools, high schools, early childhood education programs, adult education schools, and alternative education schools and programs.

Oakland’s three largest public high schools are Oakland High School, Oakland Technical High School, and Skyline High School. North Oakland Community Charter School (NOCCS), an elementary and middle school, is one of the few public progressive schools in the entire USA. Several private elementary and high schools are also present to provide high quality education to those who can afford. Julia Morgan School for Girls, Bentley School, and Northern Light School are three of the most well-known in this city.

While it is true that there are still other factors that contribute to making Oakland homes for sale, great options when looking for a new home for your family, these three are the top reasons why this part of California is considered to be topnotch.

Immobilienmakler Heidelberg

Makler Heidelberg

10 Reasons Why You Should Manage Your Business Ethically

Why are ethics in business so important? Isn’t it enough to comply with the letter of the law and the rules of society? What’s in it for the business enterprise?

These are all interesting questions. Many business owners feel that maximizing profits is the chief obligation of the firm. Other owners feel that operating a business in a transparent, ethical manner is also important. Both business management and business ethics are about making the right decisions. Does one have to exist to the exclusion of the other?

I think not, and here are the reasons why managing a business ethically is important:

1. It sends the right message to customers and clients. With all the choices available nowadays, who wants to do business with a shady, ethically-challenged company?

2. It sets the right example for the firm’s employees. The temptation to cut corners or behave illegally, immorally, or unethically is reduced if employees are familiar with the firm’s code of ethical conduct and the certainty of its enforcement.

3. It can make the firm a desirable place to work. Recruiting, and then keeping, high-quality employees is far less costly than managing a turnstile where people come and go in bulk quantities.

4. It establishes a prism through which a company views not just normal business dealings, but the handling of extraordinary events or crises. When all options have been considered, asking „What is the right thing to do?“ ultimately becomes the basis for action.

5. It provides a clearer focus for the firm. That clear focus is found not just in the tactical day-to-day operations, but in the firm’s strategic planning, as well.

6. It helps protect the interests of the firm. Ethical behavior doesn’t always insulate a firm from lawsuits, bad publicity, or other such negative and costly conditions, but it can certainly reduce the probabilities or mitigate the damage.

7. It helps protect the interests of everyone with whom the firm comes into contact. Will suppliers become more reliable if they know they will get paid on time? Will regulatory agencies be more helpful and accommodating? Will clients be more trusting? There is an obvious higher likelihood of the foregoing answers becoming „Yes“ with a company who is seen as highly ethical, than with one who is not.

8. It promotes mutual respect and integrity. This can happen both within the company and from those whom the company deals with.

9. It promotes accountability. This can occur not just within the ranks of the employees, but with the top executives and owners, as well.

10. It can yield a reputation in the marketplace that can be beneficial and sustaining. Isn’t this a desirable condition for any company? If it isn’t, it certainly should be.

Immobilienmakler Heidelberg

Makler Heidelberg

Selling Your House In A Down Economy

Challenging economic conditions means that the real estate market is ideal for buyers but a graveyard for sellers hoping for a good deal. The housing market in the United States is at its lowest ebb in almost three decades. The Mortgage Bankers Association states that in 2011, 8 million Americans were at least one month behind with their mortgage payments with 5 million of these homeowners two months behind. With huge numbers of houses up for the sale, prices are falling rapidly and sellers are caught in a trap. Below are some tips for selling your home in a down economy for a reasonable price.

Find A Great Realtor

Although you can try and sell the property yourself, it is asking an awful lot to list your house and do all the ground work without real knowledge of the industry. Despite the fact that a realtor will cost you from 3-6% of the selling price, their expertise could easily make up that difference. Find a local agency that’s familiar with your neighborhood including knowledge of comparable properties in the area, school systems etc. Check the realtor’s sales history over the last few years. You want a successful realtor that is not too busy to give your property his full attention.

Marketing Plan

Your real estate agent is responsible for producing a marketing plan but it is your duty to familiarize yourself with the plan as it’s an essential element of driving traffic and getting more people to view your home. Your property must be visible on top internet sites such as realtor.com. The best realtors have their own website so make sure your property is on display there too.

Preparation

This is your chance to shine. Walk through the home with your agent and he should be able to point out things that may turn off potential buyers. The good news is that preparation work for your home can be performed on a relatively tight budget. Take care of the property’s exterior first with neatly trimmed hedges and colorful flowers always a plus. Repair any bricks or handrails that are loose and also ensure the roof is in perfect condition.

Ensure all walls are painted and carpets are professionally cleaned. Remove all odors to leave a fresh smell and move around furniture to make the living space look as large as possible. If you can’t make your property look immaculate by the time the first viewers arrive, your home will remain unsold.

Price

Look at the active listings, pending listings and recent sold statistics of homes that can reasonably be compared to yours. However, be wary when looking at selling prices as those sales could have taken place a few months ago. Economic conditions can change very quickly so you may have to adjust prices to suit the existing market. Pay special attention to listed prices as this is your competition.

Once you have followed the above steps, you need to be quick to follow-up on inquiries. Your realtor generally handles follow-up activity including emails or phone calls from interested parties. Hopefully, you will receive plenty of interest thus enhancing the possibility of receiving a fair price for your home.

Immobilienmakler Heidelberg

Makler Heidelberg

Selling Your House Fast to Cash Property Buyers

Are you looking for the ways to sell house fast? Going by traditional method of approaching a real estate agent and listing your property in the market may take several months to sell your property. Moreover, it also means additional costs. If you are looking for guaranteed sale of your house, there are number of companies who act as the cash house buyers and offer guaranteed home purchase schemes.

How Do these Cash House Buyers Work?

These cash house buyer companies buy houses and properties by making private deals. The biggest advantage of selling house to these companies is they pay cash quickly. Though several companies buy your property without inspecting it, a few other companies may pick and choose the houses they will buy. Most of the times, the cash house buyers offer a quick purchase to the house seller and they offer to complete the buying process in a week or so. In addition, some property buyers may offer sell and rent back scheme. In this scheme, the company purchases the house and allows the home owner to continue living in it as a tenant.

Main Advantages of Using Cash Property Buyers

Selling home in the open market can take longer which can be problem to many people who have immediate cash requirement. The most important advantage of selling home to a cash house buyer company is the speed. These companies apply a sympathetic approach to your requirement and push the house sale really quickly. The purchase is made on cash payment basis and there is no chain.

Several house buyer companies also offer good incentive as part of the cash house purchase deal. For instance, they may offer free legal fees involved in the process. In addition, the home sellers can also save more money as they do not have to pay for a Home Information pack. As this will be a private sale, they need not market their property in the open market. Sometimes, home sellers may opt to live back in their homes even after the sale as these companies may allow them to stay there for a period as the tenants.

Calling cash house buyers can be a good option if you want to sell house fast. There are no hassles involved in selling your house using cash house buyers.

Immobilienmakler Heidelberg

Makler Heidelberg

Listing Tips For Selling Jeans on eBay

Get Started Making Cash Now on eBay

Clothing is a great item to sell on eBay. Every day, regular people make quick cash by sourcing and selling top clothing brands on eBay. Start with brands you are already familiar with. Let’s take American Eagle for our listing example. You have a pair of their Skinny jeans in great condition that you want to sell. First, begin with some quick research. Go to eBay.com and type American Eagle Skinny Jeans Size 6 into the search bar. Next, refine your search by selecting only Completed and Sold items. The items listed in green (for the price) are the sold items. Items listed in red did not sell. You want to ignore the Unsold Listings. Focus on the items that are most similar to yours and have sold recently. Check out the condition of those items. Is there visible wear? Any flaws? Worn cuffs? Also, write down relevant keywords the successful seller used in their title and description. If you are selling jeans, you need to know which style you’re selling. Are the jeans boot cut or skinny? Is the size Juniors or Women’s? Juniors sizes will be 00, 1, 3, 5, 7, 9,11. Women’s sizes are listed in even numbers. A size 6 is a Women’s size.

Familiarize yourself with popular clothing keywords such as Rise and Inseam. You also need to be able to accurately describe the color of the wash of the jeans. Light or dark? Some brands have the wash color written on the care label. Other brands use codes with numbers and dates. Buyers will be on the lookout for particular washes. Expect to get questions from buyers asking you to describe and name the wash.

Buyers may be trying to find a discontinued favorite style. Help them out and provide as many Item Specifics as you can.

Get Accurate Measurements for Your Items

Rise is the measurement from the crotch seam (4 way seam at the seat) to the top of the waistband above the zipper. Front rise is a critical measurement. Most listings do not include a back rise measurement. The inseam is measured along the inside of the leg going from the 4-way center seam intersection to the bottom of the cuff. A regular inseam is 32 inches long. Be sure to list the size on the item’s tag as well as your measurements. Always include your own measurements because between brands and within brands, sizes vary. A 30 waist from one brand may be only 28 inches. Give your buyers enough information to help them make a good decision as to whether the jeans will fit properly. Better to include lots of measurements than to leave out important details. The buyer cannot try items on before purchasing.

Using Terapeak and Auctiva for eBay Sales

Terapeak is an online tool which shows you the best time to start your listing, which keywords to use, and how much completed listings sold for. Try a free trial of Terapeak to check it out risk-free. The cost is relatively low, about ten dollars per month, and you will definitely boost your item sales and profits by using the information provided. Terapeak is just one online resource for eBay sales.

Auctiva gives you professional-looking templates for your items. There are a wide variety of themes and backgrounds to choose from. Templates are listing in categories and you can save your favorite templates, change item description and information and quickly list hundreds of items for sale. Auctiva offers a scrolling gallery of your featured items to appear at the bottom of your listing. This allows you to sell more items through cross-promotion. It’s a great way to boost your eBay sales.

Immobilienmakler Heidelberg

Makler Heidelberg

Home Sellers! Are You Guilty of the 7 Sins of Home Selling?

Greed: This one is a biggie. It was easy in a seller’s market to get in touch with your greedy side. Feeling like Midas, anything you asked for from a buyer turned to gold in your hands. Drunk with that kind of power, buyers were often left feeling helpless to comply if they wanted your home. In a balanced market, or even in a buyer’s market, many sellers have not kicked the greed habit. Ironically, greed is costing those sellers money. Ask any real estate agent and they will tell you stories of deals that were blown because of a $300.00 item that could not be agreed upon. No longer with the advantage, many sellers are refusing to make any concessions if it means less money in their pockets, but now the buyer’s are free to move along to the next house on their list. A seller may balk at fixing a $500.00 item in the house, or providing an inexpensive home warranty, but when the buyer moves along to an accommodating seller, the greedy seller is left to wait for another buyer – all the while making mortgage payments on the house they can’t sell. Bad move.

Unrealistic Expectations: Anyone who has sold a home in a seller’s market is going to have a hard time grasping a buyer’s market. If you want to sell your house, you have to forget everything you remember about selling your house in the past. Odds are that your home will not sell in a week, nor will you receive multiple offers. Unrealistic expectations are the foundation of blame and resentment, and they keep you from selling your home. The first few weeks of having your home on the market is filled with hope, anxiety, and irrational exuberance. It’s completely normal to believe that your home is somehow more special than the others on the market, and yours will be the exception to the tough market. Once it becomes clear that the bidding war has not materialized, and your home still sits along with the others, a home seller with unrealistic expectations is crushed. Stay positive about your home, but don’t blind yourself to what selling it will entail. A home seller with a realistic view of what it takes to sell a house in a balanced or buyer’s market, can easily adapt to changing market conditions, use constructive feedback to improve their home, and in return sell their home faster.

Pride: If you really want to sell your home, make the promise right now that you will never utter the following phrase: „I’m going to send that buyer a message.“ If you enjoy sending messages, then perhaps you could raise carrier pigeons. If you want to sell your home, drop that phrase from your vocabulary. The message that sellers send, when they respond to buyers that way is „I don’t want to sell my house to you. You have insulted me.“ In the end, all you are left with is your pride, and that house that just will not sell. As an active Ebayer, I have never witnessed a transaction in which the seller of an item got indignant at the lowest bidder. It’s all business. Divorce your emotions from the home selling process, and you have an advantage over the angry sellers in your area, because the buyers that they turn way with their „messages“, are going to buy a home – just not theirs! The message to send to a buyer should be in the form of a counter-offer. Nothing more. Nothing less.

Impatience: You want this home sold. Now! The impatient seller can’t understand why their home hasn’t sold in the first week. By the third week on the market, the impatient home seller is fuming, and wondering how to get out of the listing agreement. Are you an impatient home seller? If you’ve chosen your real estate agent carefully, and believed when you signed the listing agreement that they are up to the job, then sit back and let the market work. The impatient seller calls their agent more than once a day for updates, even if there has been no activity on the house. The question, „why isn’t it selling?“ is regularly pleaded over the phone. Are you, the impatient seller, doing everything you need to do to get your home sold? Have you done the things your agent suggested to get your home in selling condition? Did you really listen to the comparable pricing data your agent provided you? Or did you have a set price in your mind and refused to move from it when listing the home? The impatient seller can create an enormous amount of stress for everyone involved in selling the home, and it’s totally avoidable. In the end, the timing of the sale of your home will be a combination of price, condition, and luck. No amount of impatience is going to change that.

Ignoring the market: Ignorance is not bliss. Ignorance is disaster for a home seller. Yes, we know that your neighbor sold their home for the same price you want for your home, but that was four months ago. The residential real estate market is more fluid than ever now. Educate yourself about current market conditions, not last year’s market, not even last month’s market. A home seller who ignores the market will interview a few real estate agents, read the data provided by the agent, then ignore the data and list with the agent that gives them the least argument about pricing their home unrealistically. Real estate agents do not price homes, sellers do. The agents will provide valuable information and input to help a seller choose a price. Some agents will refuse to take a listing if they feel the seller is unrealistic about pricing, but many others will take the listing with the caveat that the seller be open to reducing the price later. With so many other properties on the market, an overpriced home will sit there like a deli tray at a gathering of vegetarians. Then, the seller will be chasing the market by lowering the price after watching the prices around them fall. Eventually, the house may sell, but the price will be determined by the market, as it always is. If you are guilty of ignoring the market, you can save yourself a lot of time and headache by scheduling a meeting with your real estate agent to go over the current sales data for your home, and setting a realistic price, now.

Stubbornness: When selling your home it’s best to imagine yourself as a supple tree gently swaying with the wind, instead of a donkey with its heels dug solidly into the dirt resisting all attempts to be budged. Stubbornness can show up in many situations. When you are contacted to schedule a showing, do you leave the house? Though it’s a fact that your home has a better chance of selling if you are not there for the showing, do you refuse to be inconvenienced by having to leave? You may tell yourself that the buyers can work around your schedule. They won’t. The chance for a sale often vanishes because a buyer feels uncomfortable with the homeowner in the house, and cannot freely assess the house. Expect to be inconvenienced when you sell your home. It’s part of the process.

Being Uncooperative: Are you a partner with your real estate agent when it comes to getting your home sold? Do you resist all suggestions by your real estate agent to make changes to your home that will help it sell faster? I’ve had this conversation with home sellers many times. Is it fair that people judge your home based on the things that are not going to be in it when you move out? No, probably not. Do buyers judge your home based on those things? Absolutely. I’ve seen buyers lose their enthusiasm for a home based on a decorating theme that didn’t suit them. No matter how many times their real estate agent might remind them that they can decorate in their own style, it’s too late. The home is now referred to as the „duck home“, or the „doll home“, or the „pink home.“ Every house gets a nickname when buyers are shopping. Don’t let your refusal to cooperate stop your home from being the „perfect home.“

The sale of your home requires the cooperation of countless people, many of whom you’ll never meet. The key word here is „cooperation.“ We, as home sellers, expect those that are working to complete our sales transaction to be cooperative. What about you, the home seller? Are you willing to meet the buyer halfway in negations? Are you willing to work within someone else’s schedule to get something signed? Remember, you may be selling a property, but in the end, real estate is about humans. Be a good one.

Immobilienmakler Heidelberg

Makler Heidelberg

Why Efficient Appraisers Are An Imperative When Dealing With Property Transactions

The need for an efficient and experienced appraiser is imperative, whenever you purchase or sell some property. The prime purpose of hiring a property appraiser is to find out the accurate and fair market value of the concerned property. An efficient property appraiser is skilled in evaluating any kind of property. Many banks, mortgage companies, and similar loan lending institutions require proficient appraisers to find out the real worth of a home their clients are buying in order to ensure that they are not sanctioning more money than they can recover.

An expert real estate appraiser will be skilled in considering all the aspects while evaluating a fair value of the property. Generally, they will consider local real estate sales data, property features information, and current prices of the homes in the same area. The property features may include unique architectural characteristics, or special home improvements. By considering all these aspects, the appraiser will offer a fair value of the concerned house.

Reputed property appraisers will offer a proper and justified opinion on the value of a real estate property, no matter whether it is a residential or commercial property. Their opinion is based on the highest possible value and the best possible use of a real estate property.

A proficient residential real estate appraisal service will consider each property individually, thoroughly evaluating the interior and exterior of the home, and even consider the surrounding environment and neighborhood and the crime statistics of the particular area when appraising a residential property. They will consider both the improvements as well as faults when determining the appropriate value of a property.

Every appraiser has his own process and techniques for gathering data, analyzing it, and giving an expert opinion on a particular real estate property. If you hire four different appraisers to evaluate a property, you will get four different opinions on market rate of a particular property but all of them will fall within a similar range of value.

If you run a business in a commercial real estate area, or if you are planning to set up a business on a specific property, the commercial real estate business valuation services can help you to know an accurate and fair market value of your business or prospective business.

Real estate appraisers can give you a sound opinion with regard to the property you are interested in within a minimal time span. They can even play an active role in identifying and informing you about the property seller’s misrepresentations. Their advice is worthy not only for buying property at a fair rate but also for protecting yourself from falling prey to the seller’s deceptions.

In this way, the expert appraisers prevent you from paying unreasonable prices, getting a home with several hidden faults in it, buying a home in an unfavorable and inaccessible location, and being a victim of home seller’s misrepresentations. With the sound advice of the appraisers, you won’t repent on your decisions concerned with property sale and purchase. This is why property appraisers are an imperative need for anyone handling any kind of property transactions. Make sure that you hire some renowned real estate appraiser when buying or selling a desired property in order to secure a safe and fair property deal.

Immobilienmakler Heidelberg

Makler Heidelberg

3 Benefits of Flatbed Trucking

Flatbed trucking is a practical option to transport the large, bulky goods that need the open space of a truck trailer or need to be lifted by a forklift or crane. Some of the common items to transport include plumbing supplies, machinery, airplane wings, lumber and cars. Here are a few pros and cons related to flatbed transportation:

Ease of loading

The open nature of the flatbed trailer is appreciated for the complete ease in loading. The enclose trailer has a confined space and this can make it very difficult to load large items, such as a prefabricated roof. However, the flatbed has the ability to give complete freedom on what can be loaded and will accept the largest pieces of plumbing supplies or lumber. Also, on arriving at the intended destination, the unloading process is much easier and completed in a relatively short time.

Variety of materials

The flatbed trailer is a useful option if planning to transport a high volume of different materials on a single trip. This makes it possible to easily move materials for interior work, basic framing lumber and other essential supplies for a housing project. A great benefit of this is the ability to cut shipping costs for faster project completion and higher profit margin.

No loading dock

While the dry vans are the most popular option for transporting goods of all types, they do have certain limitations. A major issue with this type of van is the need to have easy access to a loading dock to quickly load and unload its contents.

However, the flatbed trailer does not have this type of restriction. It has the ability to deliver loads to virtually any location. This can include a residential neighborhood or a large construction site. The greater flexibility in use makes them more appealing to the contractors and lumber shippers.

Are there any negatives?

In addition to the positives of using the flatbed trailer, there are also a few negatives that are worth mentioning. A trucker in control of a conventional trailer only has to be concerned with damage goods in the event of a load falling over. But, with the open nature of the flatbed, there is the potential to cause significant damage to not only the load, but also those nearby if anything should fall off. For this reason, it is essential that the flatbed trucker is a skilled, detail-oriented, and organized person.

Immobilienmakler Heidelberg

Makler Heidelberg

Help For Homeowners Late on Their Mortgage Payment

There are many options to homeowners experiencing difficulty paying their mortgage. What are they and how can they work for your situation?

Loan modification: The lender modifies your loan terms by either lowering your interest rate, making your interest rate fixed if you are in an adjustable rate mortgage (ARM), or extending your loan length from a 30 year to a 40 year term. The goal is to get your monthly payment to 31% of your gross(before tax) monthly income. To get started with this call your lender and ask them to consider your for the HAMP (Home Affordable Modification Program). This works best if you are currently employed in some capacity.

Forbearance: A lender takes what is past due including fees and divides it up into smaller payments over several months to help you catch up. Careful- you still have to make your regular mortgage payment on top of this. This is mostly for those with short term loss of work or short term illness who got behind but are now able to catch up or will be in the near future. To get started with this option call your lender and let them know your situation but make sure you can afford the payment PLUS your regular monthly payment.

Short Sale: Selling your house with an agent even though you owe more on it that is is currently worth. The lender pays the agents commissions and the bank will have to approve the sales price. You must be able to show 3 things: You have NO assets (aside from a 401k), you have a hardship, and you are late on your mortgage or you will be late soon if you do not sell. A hardship can be illness, death of loved one, divorce, unemployment, payment increase (due to ARM), extreme debt, transfer of employment. Note: Some lenders like you to go through the loan modification process first The new HAFA program is due to start in April of 2010.

Deed in Lieu of Foreclosure: Often referred to as a friendly foreclosure. This must be approved by your lender and getting their approval can be difficult. How does it work? The lender lets you send them the keys and sign over the deed to the bank. This can be detrimental to your credit. Call you lender and have them explain their process. The bank can still pursue you for a deficiency judgment at a later time.

Deed for Lease: Fannie Mae and Freddie Mac backed loans may allow this option. Here you sign over the deed and they allow you to rent the property back from them for a negotiated monthly rent.

Foreclosure: The bank takes back the property. The house is sold in an effort for the bank to recover some of what they are owed. You can be pursued for a deficiency judgment by the bank.

The first step you should take if you are having trouble paying your mortgage is call your lender…Let them know. Ask them to consider you for the HAMP loan modification program. Next, call a free consumer debt counselor and get their help reviewing your financial situation so you know what payment you can afford.

If your are unemployed and have no means to cover your mortgage consider getting roommates or renting your house and finding something more affordable. A short sale may enable you to get out from under your payments and rent for less until your are able to purchase again. There are housing assistance programs in most areas to offer financial help with housing expenses. Ask a friend or relative to let you stay with them until you can get back on your feet. The key is to be proactive, know your options and work with your lender. If you decide to do a short sale get a trained real estate agent. In any case the worst thing to do is nothing. Don’t allow your home to go to foreclosure, it can be emotionally traumatic and very damaging to your credit. There are plenty of other options.

Immobilienmakler Heidelberg

Makler Heidelberg

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