10 Tips to Sell Your Home Fast

Sell your home fast in Atlanta

With the correct approach and a little work, you can sell your home in record time.

Set yourself up for a quick sale.

The peak home buying season may be over, but there are still steps you can take to ensure a speedy sale. Setting the right price and making an excellent first impression are both essential to attracting buyers, but what else can you do to get the offers rolling in? Here are 10 tips to help you sell your home as quickly as possible – even in the off season.

Price it right from the start.

Sellers often think they should start the asking price high and then lower it later if the house fails to sell. But that can result in a slower sale – sometimes even at a lower price. “The first 30 days’ activity of your house being on the market is always the best activity you’re going to see,” says Michael Mahon, general manager of HER Realtors in Columbus, Ohio. If the price is too high, many buyers and their agents will stay away, assuming you’re not serious about selling or you’re unwilling to negotiate.
Enhance your homes curb appeal.

This could mean adding new sod, planting flowers, painting the front door or replacing the mailbox. Prospective buyers form an opinion the moment they spot the home. “Curb appeal is everything,” Mahon says. “Driving into the driveway and walking into that front door sets the expectations.”

Update the interior and exterior.

New fixtures, fresh paint and updated landscaping are all fairly easy and affordable ways to give your home a makeover. “It’s got to look up to the current market conditions and what’s in style,” Mahon says.

Clean, declutter, depersonalize. 

The fewer things there are in the home, the larger it will look, so remove knickknacks and excess furniture. Also take down family photos, religious items and political posters so prospective buyers can envision their family in the house, not yours. Finally, you may want to hire a cleaning service to do a deep cleaning.

Stage the house to show how the rooms are supposed to be used.

If you have odd rooms with no obvious role, give them one. An odd alcove off the kitchen could be staged as an office or a pantry, for example.

Make the property easy to show

The more flexible you are about visits, the more people will be able to see your home. Be ready for prospective visitors early in the morning, at night and on weekends, with little notice. Also, leave when the house is shown so would-be buyers can feel free to move about without feeling like intruders and discuss the home’s pros and cons honestly.

Remove your pets.

Also remove their paraphernalia, such as dog dishes and cat litter boxes (or at least hide them). A prospective buyer shouldn’t even know that a pet lives in the home if you can help it, Mahon says.

Make sure your listing is on all major online portals.

This is usually part of an agent’s service, but it doesn’t hurt to double-check that your listing is on Zillow, Trulia and Realtor.com. It also helps if your agent showcases the home on social media. “We sell as many homes off Facebook as we do off the [multiple listing service],” Mahon says. Both the agency and the individual agents have Facebook business pages where they share listings.

Ensure the listing has good photos, and lots of them.

Most home buyers start their search online and decide which homes they want to see based on the photos. You probably want something better than snapshots taken quickly with your agent’s phone.

Share information about life in the neighborhood.

The listing should include photos not only of the house, but also of nearby recreation, dining and shopping areas. If the schools are good, make sure that information is in the listing. “You’re not only marketing the home – you’re marketing the lifestyle,” Mahon says.

 

10 Tips to Sell Your Home Fast was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

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5 Real Estate Safety Tips For Home Sellers

by Joe Manausa 

If you are planning on putting your home up for sale, whether on your own as a “For Sale By Owner” (FSBO), or through the services of a professional real estate broker, I encourage you to consider the issue of safety.

When I entered the real estate industry 24 years ago, this was just not an issue. Perhaps I was young (and in shape), but I just don’t think criminals had targeted homes,  home sellers, and real estate agents.

But you just can’t avoid the reports that you see nationally. Real estate agents meeting “buyers” alone at otherwise un-occupied homes have resulted in rapes, murders, theft, and vandalism. In today’s real estate market where values have declined and there is not as much equity in a home, it’s like adding insult to injury (or actually vice-versa) to add a horrific crime to an already difficult situation.

Fortunately, there are some steps a home seller can take to reduce the chances of harm to themselves or their property when they decide to sell their home.

Real Estate Safety Tips

  1. real-estate-safetyUnderstand The Plan – You can minimalize risk by understanding the plan. Identify who will be responsible for showing the home (you, your agent, the buyer’s agent) and how they will obtain access. DO NOT USE A HIDE-A-KEY or even a combination lock-box, as you have no idea who ultimately knows the code. Personally, I wouldn’t want the combination to my front door known beyond my immediate family members.
  2. Put Your Home On A Schedule – Whether you go it alone and sell your house “For Sale By Owner” or you hire a real estate company to sell your home, you should understand the plan for access to your home. On the one hand, you need to make access as easy as possible so that you can get buyers to see your home (when their schedules allow), but on the other hand, do not make it as simple as “just stopping by.” There must be a controlled access plan to reduce the risk of somebody taking advantage of your desire to sell your home.
  3. Secure Valuables And Drugs – I know of two stories (and several rumors) of real estate agents in Tallahassee who have stolen prescription medication from homes during an open house or showings. Now add to that all the stories I have not heard about prospective buyers doing the same and you can see this is not an infrequent occurrence. I suspect that theft occurs daily in real estate showings around the Country, so a homeowner needs to take basic precautions when the home hits the market. Secure your valuables, and secure your prescription medications. If strangers are going to be in your home, make sure it is secure.
  4. Control Access To Your Home – Joe Manausa Real Estate considers personal safety an important issue. There have been too many stories of single agents being raped, robbed, and even murdered after they agreed to meet unknown prospective home buyers at properties. Our policy is to meet all prospective buyers first at our office in order to get to know them and to identify them to our office staff before leaving the office. If you are a homeowner selling alone, you need to consider personal safety too when you develop your home selling plan. Will you let just anybody knock on the door and come in? Big Mistake (and not just because of safety). We know that open houses produce less than 1% of home sales in the US (where the buyer of a specific home was found through an open house of that same home). That means that somebody knocking on your door has less than a 1% likelihood of buying it, so do you really want to let them in? Good real estate agents qualify buyers before taking them to your home, shouldn’t you do the same? My advice, don’t let your desire to sell your home cloud your judgment on who should obtain access.
  5. Never Show Your Home Alone – Real estate agents work alone with buyers all the time. But we have a system that reduces most of the risk (as mentioned above about meeting buyers first at our office). Unless you personally know the person asking to see your home, make sure you qualify them first, and then schedule them to see your home when you and somebody else will be there. If you are single, get a friend to help you. If you live with somebody else, make sure two or more people are there to receive any visit or showing of somebody who is unknown to you. Don’t let them stroll through the house alone, rather guide them through the home and ask them questions (this will also help promote a sale of your property).

It is sad that we have evolved to a point where an article like this is needed, but please heed my advice. You can sell your home and for the most part “enjoy the process,” but a little preparation is necessary. If you would like to know more about selling a home, I have prepared a resource page on the Tallahassee real estate website. It contains 51 different articles on selling a home, and you can find it at the following link:The Definitive Resource On How To Sell A House

Joe Manausa, MBA is a 24 year veteran of real estate brokerage in the State of Florida and has owned and managed his own company since 1992. He is a daily blogger with content that focuses on real estate analytics and providing his clients with a tactical advantage in today’s challenging market.

5 Real Estate Safety Tips For Home Sellers was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

Are You a Risky Borrower? 4 Ways to Find Out

Are-You-a-Risky-Borrower-4-Ways-to-Find-OutMost people will tell you that acquiring a mortgage can be a lengthy, complicated process. Throw into the mix a few credit blemishes or a heavy debt burden, and the path to homeownership can suddenly become an uphill battle.

Before you pick out your dream home and start mentally placing your furniture, it’s important to know if your financial situation will make potential lenders deem you a high-risk borrower. If they do, you don’t have to resign yourself to being a lifetime renter — there are steps you can take to improve your situation and increase the likelihood of being approved for a loan later on.

Tammi Robson, a mortgage broker at Metro Lenders Inc. in Denver, CO, determines loan eligibility using a three-pronged approach. “Approval of a real estate transaction depends on the approval of three things: the borrower’s credit, the borrower’s income, and the house itself. The borrower’s credit must meet minimum guidelines, their income must support their ability to repay the mortgage, and the house they want to buy or refinance must appraise for the amount needed.”

While every situation is different, here are the four major red flags that can cause potential lenders to consider you a risky borrower.

1. Your credit score is below 620

One of the quickest ways for a lender to get a snapshot of your ability to make future payments is to check your credit score and see how you fared with financial responsibility in the past.

You can receive one free report from each of the three credit reporting agencies (TransUnion, Experian, and Equifax) once a year, and some lenders will run an analysis to determine what can be done to bring your score within an acceptable range.

2. You don’t have steady employment or you have less than two years of self-employment income

W-2 employees working a minimum of 40 hours per week are the most attractive to lenders. If you are working part time, or if you don’t have at least two years of tax returns to properly represent your self-employment income, acquiring a loan becomes trickier. For the latter, Robson suggests having a mortgage professional look over your tax returns to determine how much home you can really afford.

3. You have financial responsibilities you aren’t taking care of

While credit scores and income are important, Robson explains that even more pressing are larger issues like delinquent child support payments, unpaid income tax liens, and delinquent federal student loans.

“If serious delinquencies show on a credit report, an underwriter will simply deny the loan,” says Robson. “Therefore, a borrower should bring those accounts current, and/or re-establish a payment history prior to pursuing home loan qualification.”

4. You don’t have a down payment

Lenders prefer that borrowers be financially vested in their new home from the get-go. So if you don’t have a down payment, you’ll have to jump through more hoops to showcase your financial worthiness, and private mortgage insurance will most likely be a requirement of your loan. However, your lender may be able to help you find down payment assistance programs to help bridge the gap.

How can you improve your chances?

When guiding clients through the process of acquiring a loan, Robson has a laundry list of things she suggests they tackle or monitor. Among the top items are acquiring a credit report, working to pay down debt and bring all accounts into good standing, and either securing funds for a down payment or searching for homes that allow 100% financing.

In addition, she suggests avoiding large purchases — like a car — prior to or at any point during the loan approval process. “Many borrowers ask me what is the maximum they can buy that won’t affect their loan qualification,” says Robson. “I tell them $ 30. If it costs more than $ 30, don’t buy it!”

Trulia’s Blog

Featured East Metro Atlanta Homes

Are You a Risky Borrower? 4 Ways to Find Out was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

Mid-Century Marvels: Incredible MCM Rental in Buckhead Beckons Hollywood

This timeless mid-century modern pad in Buckhead has been the temporary residence of Ryan Gosling and Australian actor Liam Hemsworth. It’s served as the ultra-cool setting for an Usher video with Rick Ross and BET’s “Being Mary Jane.” Its backyard pool is shaped like a martini shaker. And it’s available as a short-term rental — probably for more than you can afford. Built in 1959 by Atlanta-based Jerry Cooper, the co-founder of Cooper Carry architecture firm, The Ridgewood House has become a popular haunt for celebrities filming in Hollywood South and a hot location for film, video, commercial and print projects. Tucked on more than one acre of gated privacy, the property spans 5,000 square feet, with four bedrooms, five bathrooms and perks like computerized lighting, a Koi Pond and Japanese gardens, Miele and Sub Zero appliances and heated hardwoods in the master. Rental rates aren’t specified.

· The Ridgewood House [Site]
· Debra Johnston Showcases ‘The Ridgewood House,’ a Star-Studded Film and TV Residence [Haute Residence]

Curbed Atlanta

Mid-Century Marvels: Incredible MCM Rental in Buckhead Beckons Hollywood was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

Guía de Equidad en la Vivienda y Fair Housing Derecho de los Inquilinos en USA

Guía de Equidad en la ViviendaLos principios de libertad y justicia sobre los cuales se fundó nuestra nación, implican que debe haber igualdad para todos. La diversidad de nuestros ciudadanos es, por sobre cualquier otra cosa, motivo de orgullo y un símbolo de las oportunidades que somos capaces de ofrecer a todos los que integran nuestra sociedad.

Y justamente de eso se trata la equidad en la vivienda. Es la idea conceptualizada de que no es aceptable tolerar la discriminación y/o intimidación, por parte de una persona sobre otra en casi todas las situaciones relacionadas con la adquisición, alquiler o venta de una vivienda.

En este contexto se entiende a la discriminación como el trato desfavorable e ilegal que se le da a una persona cuando quiere comprar o rentar una vivienda, por pertenecer a un determinado grupo de personas con características que puedan motivar distinción negativa. Mientras que la intimidación implica obligar a otros a no adquirir una vivienda mediante violencia física o verbal, manipulación emocional y/o humillación.

Es importante recalcar que la equidad en la vivienda no sólo favorece a aquellos grupos de personas que son víctimas de la discriminación, sino que también ayuda a evitar que las actitudes discriminatorias se multipliquen. Escuelas y vecindarios con diversidad, generan individuos y familias capaces de percibir que las diferencias no deben separarnos, sino unirnos para continuar progresando como sociedad.

CAPÍTULO 1: EQUIDAD EN LA VIVIENDA

Ley de equidad en la vivienda

Equidad en la ViviendaDurante el siglo XX, las prácticas discriminatorias por parte de algunos agentes de bienes raíces y propietarios, generaron barrios inequitativos. Tanto en la renta como en la venta de casas permeaba un ambiente de discriminación, principalmente hacía personas con ascendencia afroamericana, hispana y asiática. Entre las prácticas discriminatorias más comunes estaban negarse a proporcionar información sobre viviendas o se mostraban menos opciones de habitación que al resto de la población.

Debido a esta situación el 11 de abril 1968 se promulgó la Ley de vivienda equitativa o Ley de equidad en la vivienda, de acuerdo a la traducción oficial realizada por el Departamento de la Vivienda y el Desarrollo Hurbano (HUD). The Fair Housing Act contenida en el título VIII de la Ley de los Derechos Civiles. Teniendo como objetivos generales y específicos los siguientes:

Objetivo general

Crear igualdad de oportunidades de vivienda a todos los habitantes de Los Estados Unidos, prohibiendo la discriminación en el acceso a ésta.

Objetivos específicos

  • Definir qué persona o personas y bajo qué situaciones, pueden considerarse víctimas de discriminación.
  • Definir cuáles son las prácticas de venta o arrendamiento que están prohibidas, por particulares, empresas de bienes raíces, servicios de corretaje y por el Estado.
  • Describir las situaciones y/o sujetos físicos o morales que pueden negarse a vender o arrendar una propiedad sin que su actuar se considere una práctica discriminatoria.
  • Determinar quiénes serán las autoridades responsables de hacer cumplir la ley, así como sus obligaciones y competencia.
  • Establecer los montos de las multas que se impondrán a aquellos que incumplan con la Ley.
  • Describir los efectos que tiene en las leyes en los estados.

¿Qué está prohibido por la Ley de Equidad en la Vivienda?

Las prácticas en la venta o renta de vivienda, prohibidas por ser discriminatorias por razones de raza, color, religión, sexo, estatus familia o nacionalidad, son las siguientes:

  • Negarse a rentar, vender, negociar, ofertar o no hacer una oferta de buena fe a otra persona.
  • Discriminar a cualquier persona mediante el establecimiento de términos, condiciones o restringiendo privilegios al rentar o vender una vivienda.
  • Realizar cualquier tipo de anuncio o publicidad que declare alguna limitación o preferencia para que un individuo con ciertas características adquiera o no una vivienda.
  • Declarar que una vivienda no está disponible para inspección, venta o alquiler, cuando sí lo está.
  • Que con intención de lucro se induzca a una persona a vender o alquilar sugiriendo que una o varias personas con ciertas características se han mudado, o están a punto de mudarse al vecindario.
  • Negar o condicionar a cualquier persona el acceso a, la membrecía o la participación en cualquier organización, instalación o servicio de listado múltiple relacionado con la venta o el alquiler de viviendas.

Préstamos Hipotecarios:

  • Negarse a proporcionar información u otorgar un préstamo hipotecario.
  • Imponer términos o condiciones diferentes para adquirir un préstamo u ofrecer tipos de interés, puntos y honorarios diferentes.

Seguros:

  • Negarse a proporcionar a los dueños de viviendas cobertura de seguros.
  • Discriminar en los términos o condiciones.
  • Negarse a proporcionar información disponible de la gama completa de opciones de cobertura

Ejercicio De Derecho:

  • Amenazar, coaccionar, intimidar o interferir con nadie en el ejercicio de su derecho a la equidad en la vivienda o asistir a otros que ejerciten ese derecho.

CAPÍTULO 2: PROTECCIÓN

¿Quiénes están protegidos por la Ley de Equidad en la Vivienda?

TodosLosSeresHumanosLa Ley de Equidad de Vivienda se creó pensando en proteger los derechos humanos y, desde su publicación a la fecha, ha evolucionado con el fin de evitar y sancionar diversas situaciones que pueden calificarse como discriminación. Su amparo incluye viviendas particulares, viviendas que reciben ayuda financiera federal y viviendas gubernamentales locales y estatales.

Es ilegal discriminar en cualquier aspecto de la venta o alquiler de una vivienda; negar una vivienda a un comprador o arrendatario; establecer limitaciones o distinciones en financiamiento, prácticas de zonificación, nuevos diseños de construcción y publicidad.

Es por ello la respuesta a la pregunta de ¿quiénes están protegidos por la Ley de Equidad en la Vivienda?, es: TODOS.

Aunque una y otra vez se maneja que la equidad de vivienda es un derecho que repudia la discriminación por raza, color, religión, sexo, origen, estatus familiar, incapacidad, estado civil, orientación sexual, edad, identidad de género y expresión o haber sido víctima de abuso doméstico; en realidad cualquier persona a la que se le niegue una vivienda por algún tipo de distinción negativa está protegida por esta ley.

Sin embargo existen grupos poblacionales que por ser consideradas con mayor vulnerabilidad que el resto requieren de una mayor cobertura; además, hay situaciones que a pesar de parecer discriminatorias dándoles un vistazo rápido, en realidad no pueden considerarse como discriminación negativa.

Protección especial para personas con discapacidad

En el contexto de equidad en la vivienda, una persona discapacitada está definida como aquella que:

Está física o mentalmente impedida para realizar una o más actividades en su vida cotidiana o tiene antecedentes de un impedimento; siempre y cuando dicho impedimento no sea causado por la adicción o consumo ilegal actual de sustancias controladas (42 U.S.C. 3602).

Por ejemplo, son consideradas discapacitadas aquellas personas que tengan impedimentos visuales, auditivos y/o de movilidad; una enfermedad mental crónica, demencia, VIH/SIDA, discapacidad de desarrollo o secuelas por el uso pasado de sustancias adictivas.

La discriminación hacia una persona con discapacidad estará presente en los casos de ilegalidad antes mencionados, pero como parte de la protección adicional se agregan situaciones especiales de discriminación como:

1. Que las viviendas construidas después del 13 de marzo de 1991 no cumplan con características de accesibilidad de acuerdo a la Ley Estadounidense para personas con Discapacidades (ADA por sus siglas en inglés). Entre estas características de accesibilidad se encuentran:

  • Las áreas de uso público y común tienen que ser accesibles
  • Las puertas y corredores tienen que ser suficientemente anchos para sillas de ruedas (32” sin obstrucción).
  • Las unidades deben tener rutas (36” sin obstrucción), interruptores, tomas de corriente eléctrica, termostatos y otros controles ambientales accesibles.
  • Las unidades deben tener paredes de los cuartos de baño reforzadas para permitir la instalación de barras de sujeción.
  • Cocinas y cuartos de baños que puedan ser utilizados por personas en sillas de ruedas.

2. Cuando el arrendador se niegue a que la persona con discapacidad realice modificaciones razonables a la vivienda que le faciliten la vida en ella. Incluyendo:

  • Instalación de rampas o barras de sujeción de seguridad.
  • Ampliación de puertas.
  • Cambio de manijas en puertas.

3. Cuando el arrendador se reúse a modificar las reglas, políticas, prácticas o servicios, de la vivienda y que ésta negación evite que la persona con discapacidad disfrute enteramente de su vivienda. Tales como:

  • Permitir animales de servicio o terapia.
  • Permitir ayudantes.
  • Asignar un espacio de estacionamiento especial.

4. Cuando el arrendador dude y cuestione sobre la naturaleza o existencia de la incapacidad a pesar de habérsele mostrado prueba del impedimento.

Protección especial para familias con niños

Las familias con hijos menores de 18 años también se encuentran en el apartado de protección especial en contra de la discriminación en la vivienda. La protección a la situación familiar (42 U.S.C. 3602 Sec. 802. K) cubre los hogares con:

  1. Uno de los padres u otra persona tiene la custodia legal de uno o varios niños menores de edad
  2. Mujeres embarazadas
  3. Persona que está en proceso de obtener la custodia legal de un niño menor

Entre las situaciones que se consideran discriminación hacia las familias con niños, se encuentran:

  1. La publicación de anuncios que impidan a las familias con hijos a adquirir una vivienda por tener hijos menores.
  2. Desalojo porque van a tener un hijo, están en proceso de adopción o adquirieron custodia legal de un menor.
  3. Cobrar cuotas adicionales por hijos.
  4. Tener reglas o regulaciones que limiten la estadía de estos a ciertos niveles, edificios o áreas.

Situaciones y clases no amparadas

Exención de vivienda para personas ancianas

La Ley de Equidad en la Vivienda exime específicamente a algunas instalaciones y comunidades de viviendas para ancianos de responsabilidad únicamente en relación a la discriminación contra la situación familiar, pues pueden negarse legalmente a vender o alquilar viviendas a familias con niños menores de edad.

Para que una comunidad de ancianos esté exenta (42 U.S.C. 3607 Sec. 807. B 2) debe:

  1. Haber sido designada como tal por el HUD.
  2. Las viviendas deben estar destinadas u ocupadas únicamente por personas de 62 años o más. Y por personas de 55 años o más en los casos de que 80% de las viviendas estén habitadas por mayores de 55 años

Organizaciones religiosas o cubes privados

Salvo que la discriminación se de por motivos de raza, color u origen; las organizaciones religiosas, sociedades o instituciones sin ánimo de lucro pueden limitar la venta o renta a personas de una religión o membrecía (42 U.S.C. 3607 Sec. 807).

Personas que amenazan la integridad

La Ley de Equidad en la Vivienda no protege a una persona que es una amenaza directa contra la salud o la seguridad de los demás o que utiliza actualmente drogas ilegales.

CAPÍTULO 3: CONSEJOS

¿Cómo ser un arrendador o vendedor respetuoso de los derechos humanos?

LaInjusticiaPara asegurarse de no incumplir con lo establecido por la Ley de Equidad en la Vivienda, tanto las empresas como los particulares relacionados con la compra y venta de bienes raíces deben tener claro qué es lo que tiene permitido hacer y decir. Ofrecer un servicio respetuoso de los derechos humanos no es solamente un requisito de equidad de vivienda, es una buena práctica de negocios.

Lo más importante es ser consciente de todas las prácticas que son consideradas ilegales y, antes de hacer algún tipo de declaración – sea escrita u oral – preguntarse si ésta no es discriminatoria.

Aunque es posible alegar que la intención era diferente o que “esa expresión es común”, la responsabilidad existe. A continuación se muestran algunos ejemplos de expresiones que se consideran discriminatorias y que deben ser evitadas sin importar la situación:

  • “En este vecindario no se aceptan personas de su raza”
  • “No hay viviendas disponibles” (Cuando las hay)
  • “El apartamento se acaba de rentar” (Cuando aún está disponible)
  • “No puedo atender a personas de su religión”
  • “Debido a su discapacidad el monto del seguro sube en X%”
  • “No se aceptan familias con hijos”
  • “La renta es en realidad más alta”
  • “Cobramos por persona”
  • “Tendrá que pagar extra por su silla de ruedas”
  • “No puede hacer modificaciones a la vivienda” (A personas con discapacidad)
  • “Las parejas homosexuales pagan una tarifa diferente”
  • “Los niños no están permitidos en varias zonas del edificio”
  • “Los términos para acceder a esta hipoteca cambian debido a su condición”
  • “Su familia es muy grande para esta casa”
  • “No se permiten mascotas” (A residentes con deficiencias visuales)
  • “Sus hijos no pueden compartir un dormitorio”
  • “Vamos a hacer sus reparaciones después” (Cuando el retraso no esté relacionado con gravedad)
  • “Puedo ofrecerle un precio más bajo si me hace un favor, cariño”

Para asegurar el cumplimiento de las leyes de equidad en la vivienda, asista a entrenamientos de calidad para equidad en la vivienda, desarrolle e implemente políticas de servicio profesionales e iguales, evite trabajar con vendedores que pueden discriminar, y reporte cualquier discriminación en el proceso de compra de vivienda (venta, préstamo, seguro).

¿Qué hacer si mi derecho a la equidad en la vivienda es violado?

Si usted fue víctima de discriminación ilegal de vivienda, puede presentar un reclamo en el Departamento de Vivienda y Desarrollo Urbano de Estados Unidos (HUD por sus siglas en inglés) o en la Oficina de Equidad de Vivienda de su Estado.

Si desea presentar un reclamo a HUD por discriminación en vivienda tiene 180 días para hacerlo luego de que ocurrió la discriminación, si se trata de una negación a adecuación de bien inmueble para personas con discapacidad.

Si desea presentar un reclamo a la Oficina de Equidad de Vivienda de su Estado por cualquier tipo de discriminación, tiene un año para presentar su reclamo luego de que ocurrió la discriminación.

Recuerde que los plazos son muy importantes en el sistema jurídico y que este documento no tiene la intención de ofrecer asesoría jurídica. Así que le recomendamos que si ha sido víctima de discriminación debe buscar asistencia jurídica especializada tan pronto como sea posible.

Reclamo ante el Departamento de la Vivienda y el Desarrollo Urbano (HUD) o la Oficina de Equidad de la Vivienda del Estado

Estos son comúnmente denominados reclamos de la Sección 504, llamados así por la ley federal que los protege. Si presenta un reclamo a HUD o a la Oficina de Equidad de Vivienda de su Estado, un investigador va a hablar con usted, con la otra parte y con cualquier testigo, y/o revisará tantas pruebas se le presenten para acreditar la existencia de un acto discriminatorio.

Si se determina que no hubo discriminación se cerrará el caso. En el caso de que se determine su existencia y no haya manera de resolver el caso, se elevará al Secretario de Justicia del Estado para que este promueva las medidas pertinentes. Se les informará acerca de esto por escrito tanto a usted como a la otra parte.

Después de que la Oficina de Equidad de Vivienda complete el proceso administrativo, tiene 180 días para iniciar un juicio civil contra el propietario/proyecto de vivienda, o no más de dos años a partir del día en que se produjo el hecho de discriminación, lo que ocurra más tarde.

Demanda legal privada

Usted puede presentar una demanda legal civil privada sin presentar antes una reclamación a HUD, dentro de un plazo de dos (2) años desde la fecha más reciente de acción discriminatoria alegada. Si usted presenta una e incluso si el HUD la desecha, la Ley de Equidad en la Vivienda le concede el derecho a presentar una demanda legal civil privada contra los demandados en el tribunal federal del distrito federal.

Puede presentar esta demanda incluso si el HUD todavía está procesando su reclamación, a menos que ya haya firmado un acuerdo de conciliación con el HUD o un Juez de ley administrativa de HUD haya comenzado una audiencia administrativa para su reclamación.

¿PREGUNTAS?

Nosotros podemos ayudarle. Redfin es una agencia inmobiliaria que está reinventando los bienes raíces en su favor. Creemos que un gran servicio de agente, con tecnología galardonada, ayuda a hacer el proceso de comprar y vender su vivienda, más fácil para usted.

Compre su casa con un agente de Redfin y usted recibirá guía personal en cada paso. Le daremos consejo honesto y siempre pondremos sus intereses antes que una negociación o el dinero. Encuentre un agente y revisa las críticas en redfin.com/real-estate-agents.

ErikGrandaSobre Erik Granda
Yo siempre me esfuerzo continuamente en proporcionarle a mis clientes el maximo servicio posible. Yo creo en tratar a cada uno de ellos como si fueran parte de mi familia. Mi meta es alludar a mis clientes y enfocarme solamente en las nececidades y los mejores intereses de ellos, al mismo tiempo asegurandoles que no estan solo en su viaje. Mi conosimiento profundo del mercado, conjunto con nueve anos de experiencia en venta de Real Estate me han alludado a desarrollar las habilidades de negociacion y solucionar problemas que mis clientes merecen. Ponte en contacto conmigo para más información.

The post Guía de Equidad en la Vivienda y Fair Housing Derecho de los Inquilinos en USA appeared first on Redfin Real Estate Blog.

Redfin Real Estate Blog » Tips & Advice

Guía de Equidad en la Vivienda y Fair Housing Derecho de los Inquilinos en USA was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

5 Reasons to Keep Your Lender in the Loop When You Make an Offer

Lender in the loop

Of the many things that can trip you up when buying a home with mortgage financing, writing offers is one of the most common.

When you’re finally writing a home purchase offer (also called a purchase contract) after a long home search process, it’s easy to forget about your lender in the excitement. However, your lender must be involved because of these five ways purchase contracts impact the lending process.

1. The purchase offer must match loan documents

Names in the “buyer” section of your offer must match the names on the loan application exactly. This small but critical detail can delay or kill a deal.

For example, if your significant other is out of town when you’re writing the offer, your real estate agent may advise you to write it solely under your name. But if your loan application has both names, the lender will require you to add that missing person and have everyone, including the seller, re-sign the contract.

Or worse, if you use an entity like a trust or a business as the buyer, you’ll be forced to change the contract to human buyers that match the loan application. Mortgage loans must be made to humans, and you can transfer to entities post-close if that’s your goal.

2. The lender must approve home inspections you request

Your offer contract will ask you to select which home inspections you want. Appraisal inspections are required by lenders. Optional inspections include contractor, structural, engineering and pest.

Not all lenders will ask to review and approve every optional inspection report, but they study contracts and other property documentation (like listings on Zillow and local MLS sites) to look for red flags that may cause them to request a certain inspection report.

For example, if a public listing noted that a seller had already obtained a pest report and it contained $ 5,000 worth of repairs, the lender will require that pest report for review, and they’ll also require that the repairs are completed prior to approving and closing your loan, which can create timing issues. Mapping this out with your real estate agent and lender before you submit your offer enables you to execute the rest of the process with ease.

3. The lender must be able to perform on your closing timeline

Your purchase contract must state how fast you can close. In low-inventory markets where sellers have the upper hand, buyers who can close fast get the most attention.

You need your lender’s input on closing timing. They’ll tell you how long it will take to appraise the property, review title history, approve the condo project (if applicable), and finish approving you, if they haven’t already. All you have to do is tell your real estate agent to get the timing from your lender.

4. The lender must be able to perform on your due diligence timeline

Another critical point in contract timing is requesting how many days you need for each stage of due diligence, like completing your appraisal, securing your financing, approving seller disclosures, and completing inspections.

These “contingencies” protect you by enabling you to break the contract until you’ve released them. Just like with the closing timeline, sellers respond well to speed, so make sure your real estate agent is discussing timing of each contingency with your lender before you write and present the contract.

5. The lender must approve credits you ask for

Often real estate agents will advise buyers to seek a credit from the seller at closing in lieu of reducing a purchase price. A seller credit enables buyers to negotiate better terms for themselves while also conserving cash because the credit will be used to offset closing costs.

You can ask for credits in the beginning, but often they’re requested after an inspection reveals a minor property issue such as scuffed walls or damaged window screens.

In these cases, your lender will require a contract addendum (signed by the buyer and seller) to show the credits, which the lender must approve before having the appraiser amend the appraisal report to reflect the credit. These tasks can take two to six days for a lender to process, so you must keep the lender in the loop on all credits from the seller, real estate agents, or any other third parties.

Related:

Zillow Blog – Real Estate Market Stats, Celebrity Real Estate, and Zillow News » Tips & Advice

5 Reasons to Keep Your Lender in the Loop When You Make an Offer was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

3 Tips for Evaluating Multiple Offers

Multiple offers are a home seller’s dream. But when they come in, it’s not necessarily all roses.

Receiving multiple offers means you’ve presented your home to the market in its best possible light and that you’ve positioned it correctly concerning price. But multiple offers can be stressful, because it may not be obvious which offer to accept. Here are some tips for evaluating multiple offers.

Identify the best buyer and work with them to make a deal

The best buyer isn’t necessarily the one with the highest-priced offer. If a buyer made a high offer just to “win” the bidding war, they might get cold feet or second guess their decision and walk away after inspections.

The best buyer has seen the home multiple times and has made themselves known to you and your agent. This buyer is likely working with a local agent, is pre-approved with a local mortgage professional and has been in the market for some time. They were likely one of the first to see the home and have lost out on other homes recently.

A good listing agent will be quick to identify who is the best buyer. You want a buyer who is committed to the home and will close, barring any unforeseen circumstances. Once you accept an offer or sign a contract, the work begins. 

Use the terms of a lower-priced offer with your best buyer

If you have a few offers, they may run the gamut from over-asking to lowballing. Don’t be insulted by any offer, because the more offers you receive, the more offers you have to work with for counter-offers.

If your agent can go back to the buyers’ agents and say “We’ve received four offers,” it will make the top two buyers want it even more. If your low-priced offer has a quick closing or offers to remove all contingencies within two weeks, leverage those terms with the higher-priced buyers.

It’s helpful to take all prices and terms and try to get one buyer to offer you the best of each. If the best buyer didn’t come in at the highest price, counter them to match another offer’s price and terms.

Always try to get a backup offer

You don’t want to have to go back on the market. When that happens, you’ve lost momentum and may not realize that same price or terms again. Buyers who see a home go back on the market tend to get spooked or think there is something wrong with it.

If you have multiple offers, try to get the second-best buyer to agree to a backup position. If they won’t agree to it in writing, be sure that your agent maintains contact with them or their agent until the first buyer has removed all of their contingencies. If you can simply slip in buyer two later in the game, you should.

Multiple offers shouldn’t necessarily come as a surprise to a seller. If you study and know your market, you can plan for it. Think in advance what types of terms and conditions are important to you. When you have more than one interested party, you are more likely to create the perfect, most favorable terms and conditions for a successful, hassle-free sale.

Related:

Zillow Blog – Real Estate Market Stats, Celebrity Real Estate, and Zillow News » Tips & Advice

3 Tips for Evaluating Multiple Offers was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

The 5-Step Plan for Buying a Vacation Home

vacation-home

Do you dream of owning a vacation home, but find the idea of buying one too intimidating? It’s actually easier than you may think. Here’s a guide to help you analyze your options.

1. Match housing choices to your lifestyle

Many people assume they must own a primary residence before owning a vacation home, but this isn’t a rule you must follow. What’s really important is matching your housing choices to your lifestyle.

You may live in a city and want lots of space that you can’t afford there. You could rent a modest condo in the city, and buy a large vacation home outside the metro area.

Or you may live in a large country house and want to enjoy city life as much as you can. In that case, you could own your country home and also buy a vacation condo in the city.

Either way, the financing and tax implications are almost the same.

2. Determine how you’ll use your vacation home

From a financing and tax standpoint, you need to consider how you intend to own and use your property. You have three options:

  • Primary residence. You can buy for as little as 3 percent down (if your loan doesn’t exceed $ 417,000), mortgage rates are the lowest they can be, and you get significant homeowner tax benefits.
  • Second home. You can use your second home any time you want, but lenders won’t let you rent the home. Buy for as little as 20 percent down, and qualify for the loan using your full primary residence cost plus your full second home cost. Mortgage rates and tax benefits are the same as primary residences.
  • Investment property. You can rent the home, plus use it when it’s not rented. Rates are .25 percent to .375 percent higher than second home rates, and your down payment usually starts at 30 percent. You qualify for the loan using your full primary residence cost plus your full investment home cost, but you can use rental income to help qualify. Tax treatment is less beneficial, but the extra income can help with affordability.

3. Understand the total cost of owning a vacation home

You can determine what you can afford in seconds. Then you’ll find a lender to formally analyze the cash available for down payment, closing costs, and reserves. You’ll also calculate the total monthly cost on your existing home (whether you rent or own), plus the total monthly cost on the vacation home.

You also need to plan for personal budget items that lenders don’t use in their qualifying calculations:

  • Gas, electric, cable TV, and internet
  • Furniture and housewares
  • Travel costs to your vacation home
  • Total cost of property maintenance items like cleaning, landscaping, and pool/spa upkeep

4. Review monthly and transactional cost line items

Suppose you live in San Francisco and want to purchase a home in the wine country of Sonoma County, CA for $ 600,000. Here’s how much it would cost as a primary residence, second home and investment property.

Primary Residence or Second Home Investment Property
Estimated monthly costs
Mortgage payment $ 2,223 (30-year fixed mortgage at 3.75%) $ 2,035 (30-year fixed mortgage at 4.125%)
Insurance $ 100 $ 100
Property tax $ 600 $ 600
TOTAL ESTIMATED MONTHLY COSTS $ 2,923 $ 2,735
Estimated cash to close
Down payment $ 120,000 (20%) $ 180,000 (30%)
Lender fees $ 2,500 $ 2,500
Title/escrow/inspection fees $ 3,500 $ 3,500
TOTAL ESTIMATED CASH TO CLOSE $ 126,000 $ 186,000

5. Make an offer using a local realtor and lender

Many vacation properties are in specialized local markets, so it’s best to find local real estate agents and lenders.

Your real estate agent will clarify local transaction fees, taxes and commissions, as well as advise on local zoning and property rental rules. For example, the town of Sonoma doesn’t allow short-term rentals for vacation homes, but other towns in Sonoma County do allow this.

In destination areas, real estate agent commissions can be higher and can also be seller- or buyer-paid, depending on the area. Only a local expert can advise properly. And, of course, they will structure your offer for you, and negotiate on all facets of the deal that are a priority to you.

Likewise, local lenders will be comfortable with appraisals and lending in rural areas. Appraisals are more difficult in less populated areas because comparable sales can be old and hard to find.

If you follow these steps, your closing will be a snap, and you’ll be relaxing in your vacation home before you know it.

Related:

Zillow Blog – Real Estate Market Stats, Celebrity Real Estate, and Zillow News » Tips & Advice

The 5-Step Plan for Buying a Vacation Home was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

Arrested Development : Wacky, Flower-Themed Grant Park Home Project is D.O.A.

At last check, a quixotic local developer was planning to raze a vacant metal warehouse and redefine “the cluster home paradigm” on this piece of land in Grant Park, between the neighborhood’s namesake green space and the future Beltline. But before “The Rose of Grant Park” could change the development world, the plot has landed back on the market, asking $ 950,000 for what the listing agent touts as an opportunity to “create a wonderful gated community.” The project had good intentions at heart; it was named for developer Philippe Pellerin’s mother and was set to feature homes with wild, attention-grabbing names like, “The Pinkie Lab,” “The Fire House,” “The Magic Dragon,” “The Alchemist” and “The Skyrocket Tower.” Before they’d lined up an architect, officials were promising that “from the exterior landscaping to the interior design, each home will continue to tell and reinforce a story of the inspired rose.” It was projected to break ground last spring. Instead, the land will have to go back to the drawing board for a different builder. It’s zoned for six single-family homes, with the potential for two more to be tacked on.

· 776 Mercer St. [Red Robin]

Curbed Atlanta

Arrested Development : Wacky, Flower-Themed Grant Park Home Project is D.O.A. was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

Safety When Meeting A New Client – An URGENT Warning

This alarming attack happened Wednesday, July 22nd in the Metro Atlanta area.    Video linked below article. Please share this story with everyone you can.

A 38-year-old man, who police say dressed up as a woman, is facing charges he assaulted a Gwinnett County real estate agent.

Jeffrey Wayne Shumate is currently in Gwinnett County Jail facing aggravated assault, false imprisonment and battery charges.

“We don’t know why he decided to dress in women’s clothing and we don’t know his motivation,” said Cpl. Michele Pihera with the Gwinnett County Police Department.

The real estate agent was showing the man a home along Sugarloaf Parkway, in Gwinnett County, on Wednesday morning.

“When she (the real estate agent) got there she felt uneasy about the situation. She didn’t want to go inside the home by herself,” Pihera said.

After the man exited the home, he attacked the agent who was waiting on the front porch, according to investigators. She was able to track down a passing car, and they called 911.

“She tried to fight off the offender and she tried to run away and ultimately that probably saved her life,” Pihera said.

REALTORs and other Real Estate professionals, please be careful out there. If you are UNSURE about who you are meeting, activate FACETIME on your iPhone and keep the connection open with someone in your office. If you don’t have an iPhone, use Hangouts or Skype if you use Android. If you have problems setting up something like this, please message me and I’ll be happy to tell you how to do this.

The absolute best thing I can recommend is to meet a new client in a public place BEFORE you agree to meet them out at property. Get a photo of their car, their car tag and finally a clear photo of their face. If they question you, simply tell them it is your company policy, and if they press further, refer them to your broker – who should be 100% on board with this kind of policy. If they refuse any of this, they are not a client you wish to deal with – regardless of the potential paycheck.

http://c.brightcove.com/services/viewer/federated_f9?isVid=1

By Michael Allgood

Safety When Meeting A New Client – An URGENT Warning was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home