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Choosing Green Home Builder

To find a green home builder you should talk to the contractors in your area. Some that will travel to your area to build your home but their services will add more expense to the cost of your home.

To ensure that you will have the best green home builder ask them what type of building material they will use. You should also inquire about their disposal methods to make sure they are in compliant with sustainability practices. The materials that they should use are non-toxic when possible, and environmentally friendly. They should also be materials that come from renewable sources, or sustainable material. This can include materials from homes that have been knocked down. This material can include old doors, cabinets, some of the wood to accent the home such as using the material for ceiling beams, and more. They should try to avoid using plastics and choose their wood carefully. You should ask to see examples of the green projects they have completed. Their construction philosophy should focus on green building. It should not just focus on using

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Buy a House With Cash

Frugality is the Name of the Game

While it’s very likely that everybody would buy their home with cash if they could, hardly anybody does. This is because most people just lack the discipline to save up.

Now, if you make 20-30 thousand dollars a year, you’re going to be waiting a long time to buy your own house, even living on the bare minimum.

But, if you are someone who makes 50 thousand or more per year, or you also have a spouse who makes just as much as you, it is very possible for you to buy your own home with cash, in a couple years.

If you can manage to save just a couple thousand a month for a period of 5 or more years, you’ll be right in range to buy a nice house all by yourself.

Benefits to Buying With Cash

The benefits to buying your home with cash are usually not afforded to those with a hefty mortgage to worry about. For instance, without a

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Advantages Selling Home In Winter

The reality is, real estate is sold, year – around, and, every season, brings, certain advantages, as well as disadvantages. With that in mind, will attempt to briefly discuss, and examine, some advantages of selling your home, during the winter season, and how, realizing these, and using them properly and appropriately, makes a quality difference, and transforms, potential, lemons, into lemonade.

  • Motivated, qualified buyers: Although fewer people seek houses, during winter, than in peak season, those shopping for a new home, during winter, are generally, truly motivated, qualified buyers. While there are both, fewer houses on the market, as well as less shopping for a new house, those who are searching, are usually, more interested, and there are far fewer, lookers, than during more popular shopping seasons!
  • Less competition: When you list, your house, during winter, you will have far less competition, because many homeowners, avoid the selling process, during winter. Obviously, even though there may be fewer buyers, since there is also fewer houses, on the real estate market, you enjoy a certain degree of advantage!
  • Out,
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Real Estate Secrets When Selling Home

Discount Brokers/Limited Service Brokers Can Be a Good Choice.

Regardless of what the industry tells you (including real estate agents) these firms have a place at the dinner table and serve a vital function in the industry. Let’s be honest – all people are a little frugal, and if you could find a cheaper alternative to paying a Realtor, you would. On occasion, discount brokers/limited service brokers can save you money.

Here are two specific cases where we refer our clients to limited services/discount Realtors:

Scenario 1: You have a home under $120,000 (don’t be jealous, Californians and New Yorkers).

Real Estate is a business, and agents are people who rely on that business to pay their own bills. So, if your agent works at a firm that takes a cut of the commission (in many cases 30-50%), the agent must determine if selling your home is a good business decision. Lets look at the numbers:

  • Home Price = $120,000
  • 3% commission (Listing Side only) = $3600
  • Minus Firm Split (35%) = – $1260
  • Minus Taxes (25%) = – $900
  • Minus marketing = – $800
  • Leaves a net
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Selecting A Mortgage Lender

Decide what kind of lender you want – small or large. If you prefer a more personal touch and a lender who will know your name you will more than likely want to go with a smaller lender. If you are the type of person that cares more about the interest rate, a large lender may be your best bet.

Talk to your real estate agent. A top-notch agent will not limit their recommendations to their in-house lenders. And most importantly, savvy loan officers take especially good care of clients that are recommended by real estate agents. So definitely use this to your advantage. This personal connection can be a big help when it comes to reducing closing costs.

Always compare rates from several lenders. This is where your homework begins. As I noted above there are many lending options – neighborhood banks, commercial banks, credit unions and online lenders, so you have many options to consider.

Once you have several quotes, compare the rates and costs and decide which makes the most sense for you. Don’t forget, everything is negotiable so make sure you have the best rate available because a low rate can

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Buying Foreclosed Homes

Before you can even consider making an offer on any foreclosed properties, you must ensure that you are working with a real estate agent that is able deal with banks and other institutions that would own such properties.

Remember that you will be purchasing the property from an institution, rather than an individual, so it is important to work with somebody who has experience in the area. If you don’t you may find that you end up having to wait a lot longer to make the purchase, even if you already have the money to pay for the property.

Financial institutions are looking to sell off their foreclosed homes, but at the same time they want to be able to ensure that the new owners of the property will be able to make the relevant payments. Being able to offer a healthy down payment is a good start, but showing that you have been able to secure a loan beforehand shows that a lender holds you in good stead, which means you have more chance of making a successful offer on a property,

Of course, all of that is advice on what you should do

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Effectively Marketing A Home

  1. Price it right, from the start: One of the major obstacles to selling a house, is generally, the listing (or asking) price. This effort should not be based on either ignorance or greed, or haphazard, but, rather, should be based on the guidance of the qualified agent, you hire. Using, what is generally referred to as the C.M.A. (Competitive Market Analysis), you enhance your ability, to price the house, most effectively. This makes sense, because, historically, the best offers, come within the first few weeks, after a house is listed on the market, and, therefore, attracting, as many qualified buyers, in the appropriate price range, as possible, will best realize the objective, of fetching the best available offer.
  2. Coordination between agent and homeowner: The homeowner, and the agent, he hires, must be, on the same page, to achieve the best results. Before hiring an agent, homeowners should interview several agents, discuss philosophies, perspectives, and marketing system, and agree, to a well – coordinated, team – based, effort!
  3. Determine and address curb appeal: It’s often challenging for a homeowner to objectively look at, and evaluate, his own home, for many reasons, but, perhaps, most essentially, the emotional
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Real Estate Appraisal Courses

Real estate appraisal courses offered by schools on the Internet include different areas of study, which usually includes the National Standards of Professional Appraisers (USPAP), lessons on how to use the Uniform Residential Appraisal Report, Real Estate Math, FHA Appraisal, OREA Information, State Appraisal Licensing Information, and License Renewal Information. Other additional courses offered by some schools also include Residential Real Estate Appraisal, and Legal Considerations in Appraisal.

Review courses to help future appraisers pass the state exams are also offered by the schools, which come in the form of practice exams and tutorials. These courses are often delivered through various software, CDs and virtual tutorials that future appraisers can access on their personal computers right at the comfort of their homes. As with other real estate courses offered online, future appraisers are also given the opportunity to study the different appraisal laws and principles in other states.

Real estate appraisers are also required to renew their licenses and they do so by taking another set of exams. Online schools also offer help in this process by helping the appraisers upgrade their skill by offering additional courses like Income Property Analysis and Home Inspection. Given all

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Economic Considerations For Buying A Home

  1. Tax deductions: Although, for many, especially, those in, so – called, high SALT states/ regions, the tax deductions, associated with home ownership, are less than they have traditionally been, there is still an, up – to $10,000 tax deduction, on one’s federal tax return, for the state and local taxes, we pay, Therefore, when we consider, whether, there are advantages, to buying, instead of renting, this must be factored in. If the net – numbers, of renting, versus, owning, are compared, and if they are close, home ownership often becomes more economically, advantageous, because of the appreciation, and equity, involved, in owning.
  2. Mortgage/ mortgage interest: Mortgage interest, up to that paid, on a $1 million mortgage, is still, tax – deductible, so, when one considers, if it makes sense, for him to purchase, this must also be considered. In addition, a wise consumer considers, whether his monthly costs, are within their personal comfort zone, and strengthens, their enjoyment, etc.
  3. Local real estate market: While there is, often, much discussion, about the overall, real estate market, every local area, is different, and certain ones, appreciate more, and/ or, depreciate, less, than other areas/ regions/ neighborhoods! One should,
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Finding Condos for Sale

One of the first things you are going to want to take into consideration before you even start looking at a condo for sale is to consider your lifestyle. Are you a small family with young children a handful of pets? Are you a single professional looking for the convenience of a lock up and go or are you a young couple who enjoy spending weekends away at various destinations throughout the country? Your lifestyle will determine if condo living is the right choice for you.

Remember a condo, or condominium, is a unit in a complex. This means that you will have neighbors close by, but you also get the added benefit of a host of facilities and amenities. Some come with swimming pools, others come with laundries and there are those that also include a small fitness center as an added convenience.

With your lifestyle identified and you have decided that a condo for sale is the best choice for you right now, you are going to want to look for an experienced an agent. If you have heard of a new complex being built in your area, then contact the agents handling the

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Home Equity Loan Types

The first is a term or closed end loan and the second is basically a line of credit. Most people prefer to refer to them as a second mortgage because they are secured against your home much like your first home loan or mortgage. Typically these types of home equity loans usually have a payback life of between 5 and 15 years.

The term loan is a one-time lump sum payment that is paid off over a set amount of time. There is a fixed interest rate which allows for the same loan repayment each month. After you get your money you cannot borrow further from the loan.

A home equity loan line of credit works more like a credit card. You are allowed to borrow up to a certain amount for the life of the loan. The time limit is usually set by the lender of the loan. During that time you can withdraw money as you require it to purchase items or pay for things that interest you. As you pay off the principal your credit revolves and you can use it again. This credit line gives you more flexibility than a term home

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Info of Organic Architecture

Objectives

Organic architecture not only addresses environmental concerns but also expresses individuality. As each building is related to the variables like man, site & time so every resulting structure is unique & unrepeatable.

Origin & Inspiration

Primitive vernacular architecture was innately organic, based on natural forms, structures and simple, local materials. The rectilinear, perpendicular form of architecture that came to dominate the 20th century was the reflection of an industrially driven age. However In the new millennium the designers are awakening to a new world inspired by the creative forces of nature and biological organisms.

It was in the USA that organic architecture began its great modern journey when Architect Louis Sullivan described his famous proverb that form follows function–a key concept for organic design. Frank Lloyd Wright would often choose sites close to woods, rock formations, or even waterfalls and his buildings would become part of nature. For Antoni Gaudí, Spanish architect the straight line belonged to men and the curved line to God.

Exploring Organic Architecture

New age, architects have taken the concept of organic design to new heights by employing newer materials & technology in the application of natural

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Real Estate Finance Overseas

  1. In many of the nations that were the first to boom the property markets are now stagnant and because lenders have fewer customers to provide finance for they are actively targeting those who have yet to upsize, release equity or take out a second mortgage and offering them increasingly favourable terms, conditions and interest rates. For anyone thinking about buying real estate overseas in a country where they believe it will be difficult for them to secure local finance or where interest rates are unattractive, the option may exist for them to re-mortgage their existing property or take out a loan secured against the equity in their primary residence. The negative side of this option to raise real estate finance to buy overseas property is that the purchaser’s primary residence will be the security against the loan and naturally this introduces an element of risk.
  2. The second option available to buyers looking for real estate finance overseas is getting a mortgage locally in the country in which they want to buy. Some countries such as Spain, Germany and France for example offer attractive interest rates and payment schedules to buyers from other European nations and many countries offer mortgages
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