 |
 |
 |
 |
 |
 |
 |
 |
 |
|
6 keys to happy home-buying A friend was buying a house. The closing date was a few weeks away. His parents were visiting from out of state, and he wanted them to see the inside of the house. His real estate agent called the seller on Thanksgiving morning to ask permission. The seller was so annoyed to be called on a holiday that she threatened to cancel the sale. My buddy wanted to placate the seller. "I'm a personable guy," he told his agent. "I can clear this up." He asked for the seller's unlisted phone number. The agent convinced him (correctly) that this was a bad idea. The seller calmed down and the mini-crisis withered away. The moral of this story is that you should trust the judgment of a competent real-estate agent. My friend's agent goofed by calling on Thanksgiving, but otherwise she was capable. She displayed good judgment when she refused to give out the seller's phone number, averting a possible personality clash that could have scuttled the sale. There are other do's and don'ts for getting a mortgage and for buying and selling a house. Here are a few of them, expressed as New Year's resolutions for 2003: When buying a house, I will watch
what I say to "my" real estate agent. Without a buyer agency agreement, the agent you deal with ultimately works on the seller's behalf. If you say something like, "We would be willing to pay $260,000, but we'll offer $240,000," a seller's agent is obligated to pass along that information. I will check my credit report before
getting a mortgage. Credit reporting errors take many forms: Your report might say that you have declared bankruptcy, when in fact someone else with the same name filed for bankruptcy. It might list closed accounts as open. It might omit a credit card account that you have been paying on time. It might say falsely you're late in your payments. Derogatory, but wrong, information on your credit report can cost time and money when you're getting a mortgage. If you find out about it too late, you might have to delay the closing while the errors are fixed. Or you might end up paying a higher interest rate than you deserve. I will count the cost of taxes,
insurance, repairs and maintenance into the home-buying equation. I will save for repairs and maintenance. Article continued at http://www.bankrate.com/brm/news/mortgages/20021226a.asp?page=default
More Home Buying Information A+
Career & Resume Design Auto-Visor.com
Astute Investor - Astute Investor for information & advice on UK investments including ISAs, PEPs, pensions, life assurance, tax saving products & traded endowments. Buy online or through a leading IFA. AlwaysMakeup.com - Pia Trujillo has several years of experience on permanent make-up and hundreds of satisfied customers. She is also a Licensed Esthetician with expertise in skin and body treatments. Serving Tampa Bay area. AtoZtoner Laser printer toner cartridges, ink jet cartridges and refills, printer, fax, copier toners and other office supplies by popular brands at discount prices. Bubblethings.com - In Bubblethings you'll find: above ground pools, air beds, Lava Lamps, Wave Machines and quality inflatable furniture like chairs, sofas, beds, stools and fun playcenters. Business
Translation Services Carols
Art Shows Database Systems Corp. - Call center technology including predictive dialer, IVR, ACD and call recording. Discount Inkjet Printer Ink Cartridges - Discount Inkjet Printer Ink Cartridges for HP Epson Lexmark Canon printers cheap ink refill kits, printer ink jet cartridges, compatible copier toners and remanufactured laser toner cartridges FantasyDaily.com - Your source for all of your fantasy sports news and information. Financial
and Legal Translators Golf Balls - Used Golf Balls - Your Source is Golfballdeals.com- Premium grade used golf balls Source. You'll find New, personalized, logo, AAA, AA golf balls. Brands like Titleist, Callaway, Nike, Precept, Strata, Maxfli, Top-Flite and more. Groovystore.com - Lava Lamps, Wave Machines and more fun stuff. Handy LinkPartners.com NeoRealEstate.com PUPPETS ON THE PIER shop online for folkmanis puppets, marionettes, muppets, Czech marionettes, puppet theaters, cartoon, TV show, entriloquist dolls, people characters and other puppets. QuickHitters.com - Get dozens of free sports picks delivered FREE every day. QuizDaily.com - Bored at work? Take some of our fun quizzes on movies, music, and sports! ScoresDaily
- Your source for sports news and handicapping information. Total Image Care - Esthetic services on Tampa Bay. Facials, Wax, Permanent make-up and more! TopCardz.com The
Web's Best Casinos Toner
Cartridge Depot - purchase quality toner cartridges, laser printer
toners, ink jet cartridges, refills and ribbons for your printers,
copiers and fax machines. Web
World Index Directory WanderPlanet
Worldwide Travel and Online Booking Shopping
|
