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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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Sellers need to know what buyers want
By Justin Hunter
If you own a sales business,
what is the first thing you have to establish? Exactly,
your target audience and what they want. Any business,
now matter how glamorous the package is, will not succeed
unless they are selling something their target audience
wants or needs.
This is even more important in the real estate industry,
where one buyer is often your whole business. All you
have to do is sell one product; your home. And the best
way to go about accomplishing this is to determine exactly
what your buyer
wants and/or needs.
Sean Remington attempts to remedy the seller’s
distress, especially in the current buyer’s market
in his article, “How to Improve Your Odds when
Selling Your Home,” which was posted on ezinearticles.com.
“Sellers, it is time to polish your presentation
if you intend to sell your residential property in today’s
changing market. With increasing inventories of unsold
homes and the softening of real estate activity in many
areas, you will probably be facing greater competition
in the marketplace. Knowing what buyers want will greatly
improve your chances of making a profitable sale.”
The first and probably most important thing to understand
is that buyers want reasonable asking prices. It sounds
obvious but it is amazing to go on a MLS web site or
see a “for sale” sign with an asking price
that even you know is overpriced.
Sellers, admit it, we are in a buyer’s market
and you home has lost a little value. If you cannot
succumb to listing your price for lower than you intended,
then maybe you should wait a year or two for the market
to bounce back before attempting to sell.
“Get professional opinions of the current market
value of your home before establishing your asking price.
Ask your real estate agent to conduct a comparative
market analysis (CMA), evaluating the selling price
of nearby properties with similar features and square
footage.”
You also need to remember that comparing your neighbor’s
house value to yours is a tool and not a definite solution.
You neighbor’s house may sell for $10,000 more
or less within a day of each sale. “If your agent
agrees it is necessary, hire an independent appraiser
to establish an objective opinion of value.”
You need to recognize what it is about your home
that buyers will be attracted to.
“Buyers want quality and dependability. With economic
conditions in transition, homebuyers are looking for
home construction, features and finishing that can withstand
the test of time. Classic designs that have proven their
popularity tend to be more in demand when market conditions
are unpredictable.”
For example, bamboo or oak flooring and custom-designed
wooden kitchen cabinets add significant appeal value
to the buyer (although your home’s actual value
may not change).
Buyers desire comfort and convenience, so amenities
that cater to this are always an added bonus.
“Examples include master suites with his and her
bathrooms (or at least his and her sinks), soaking tubs
and rainforest showers, private exercise rooms and well-organized
walk-in closets.”
The last thing that will help you sell your property
is to be in the know. Buyers became tired of being bossed
around during the housing boom from 2000 to 2005 when
sellers basically dictate how much they wanted for a
property and when. Now it’s the buyer’s
turn and they want the seller to be knowledgeable and
to actually try to sell the property. Facts about the
property and overall real estate market landscape will
convey to the buyer that you value their time and potential
business.
You know what they want, now give it to them. Many sellers
have been complaining about how difficult it is to sell
a property these days but that is just because it has
been a seller’s market for so long and they are
rusty.
Get back to the basics and actually try to sell.

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