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MBA Urges Regulators To Avoid Invoking Suitability Standards
The Mortgage Bankers Association (MBA) recently made a preemptive strike against what it obviously perceives as the next threat against the mortgage industry - "suitability standards."
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Creative sellers’ tactics
By Melissa Wirkus
If you are one of the millions of people who are looking
to sell their home right
now, you know that it can be very tough.
According to the National Association of Realtors,
there are over 4 million homes for sales on today’s
market!
With all of the homes for sale on the market, sellers
are going to extreme measures to get their home noticed
and lure-in a buyer amidst all of the competition.
A November 2, 2006 article by Aleksandra Todorova of
SmartMoney.com, “Extreme house-selling strategies,”
lists the five most creative things homeowners are doing
to get their houses sold.
“It’s a tough time for home sellers. While
the media competes for the direst gloom-and-doom real-estate-bubble
headline, crowded open houses and bidding wars are becoming
a quick-fading memory. Homes prices
are down, and so are sales.”
One way to get a sale closed is to tempt the buyer or
buyer’s broker with an incentive, discount or
promotion.
“Forget about bidding wars. If they want their
property to move these days, sellers have to offer incentives
to the buyers and even their brokers, says Anthony Margueas,
a realtor with Amalfi Estates in Pacific Palisades,
Calif.”
Normally, in addition to material incentives such as
a vacation or appliance upgrade, they normally take
the form of help with closing costs, or buydowns of
the mortgage interest points.
Two more creative things that sellers are doing involve
the house itself. One is “staging” the house
to appeal to the most potential buyers, and the other
is throwing a party at the house.
“With that many homes on the market, how do you
make yours stand out? Wendy Sarasohn, a realtor with
the Corcoran Group in New York, finds nothing attracts
a good crowd like a well-planned party. ‘I find
an excuse to have an event at the space that I'm selling,’
she says. ‘It just injects new energy and focus
on the property.’”
The next strategy being employed by smart wannabe sellers
everywhere is to be prepared in advance for everything
involved with a home sale, especially if it is your
first one.
“Just got an offer? Better act fast. With all
his properties, Margueas prepares in advance all reports
and paperwork — the termite report, for example,
title insurance, the physical inspection. ‘That
way, the minute we get an offer we give all those reports
to the buyer and the buyer's agent and they can review
them within a few days,’ he says. ‘That's
when they're most excited about the property.’
The longer it takes to receive these documents, the
more likely it is that the buyer sees another property
they like or get buyer's remorse, Margueas says.’”
If there are no buyer’s in sight, the last option
that homeowners have is renting out their place until
they find a buyer. This will help with the burden of
being saddled with two mortgages
at the same time.
“Worse comes to worst, consider renting out your
home while the market recovers. (Being a landlord, of
course, isn't easy and comes with a slew of legal responsibilities
and tax implications.)”

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