Tuesday, December 16, 2008

Do?s and Don?ts of Investing in UK Land for Sale Market.

Investments in UK Land for Sale market have grown at a breakneck pace in last few years growing at a phenomenal rate of 960% in last two decades.

This has created a great business opportunity for enterprising investors to make money by offering the best combination of above average returns, linked to low volatility, combined with compound growth.

This growth in value of UK land for Sale has been driven by an increasing supply and demand mismatch. To add to this there is very little risk in such investments as incase planning permission is granted by the local councils, land for sale investors could reap returns up to 10 times their original investments but even otherwise with acute shortage of housing in UK, the price of undeveloped land tends to increase anyway over the longer term.

Thus the investment proposition is based on solid fundamentals and there is little chance that it could lead to creation of a bubble.

But on the flip side there have been complaints in recent times about unscrupulous players selling land in UK to unsuspecting populace without adequately informing them of pros and cons of such decisions and willfully withholding certain important information.

Thus it is imperative for any potential investor to do a thorough evaluation of available land investment options also it is better to trust established players with proven track record rather then trying upstart firms.

A customer should be wary of firms guaranteeing planning permission in short time or offering plots of land for investments at ludicrously low prices.

?There are no shortcuts to success? ? Goes a famous saying

It?s very relevant for UK land investment scene as while there is a golden opportunity for common investors to reap hefty gains by investing in UK land for sale market but this potential has to harnessed with great care and one has to be prepared for loads of hard work so as to identify proper land investment options.

Stephen Brewood
Buy Land For Sale in the UK.

Monday, December 15, 2008

Why are People Buying Seal Beach Real Estate?

Nestled between Long Beach and Huntington Beach in the heart of Orange County, Seal Beach is a highly attractive and livable city. Not surprisingly, Seal Beach real estate is more sought after and valuable than ever as the Seal Beach real estate market continues to prosper. Boasting a humble but proud population of around 25,000, Seal Beach is a safe and clean community which continues to attract discerning buyers who are interested in securing their own piece of Seal Beach real estate.

Due to the beautiful geographical location and superb year round climate, Seal Beach real estate is popular with families and retirees. The small town charm, secure gated communities, clean air and majestic natural scenery make this a jewel in the crown of California and ensures that the Seal Beach real estate market remains buoyant. Many people move here for the weather, some for the beauty of nature and spectacular sunsets but there are many other reasons why people buy Seal Beach real estate.

The beautiful styling and modern architecture of the homes here ensure the ongoing popularity of Seal Beach real estate. With family homes and a sizeable retirement community, the property choices are varied but whatever Seal Beach real estate you buy, you can rest assured that the quality of your home is never compromised. Couple this with some great shopping options, lovely dining establishments and a climate that lends itself to year round relaxation and recreation and you too will begin to understand the value of Seal Beach real estate.

Every community needs amenities and facilities and when you look to buy Seal Beach real estate, you will discover that the town has much to offer. People who invest in Seal Beach real estate have access to some of the finest city parks with baseball, soccer and other sporting facilities, beautifully maintained park grounds and more. Excellent gym facilities and wonderful walks through the community gardens are just two of the ways Seal Beach real estate owners can stay in shape. Outdoor recreation and activities are served well by the climate and people who buy Seal Beach real estate often do so for that very reason.

So when you decide to indulge and secure your very own piece of Seal Beach real estate, remember that you are moving to a stunning, safe, secure and relaxing place and when you buy Seal Beach real estate you are buying more than a house, you are buying a home.

Kyle Menic is a writer whom specializes in Southern California real estate, which includes Seal Beach real estate and Orange County real estate.

Sunday, December 14, 2008

Las Vegas Nevada Real Estate

Nevada is a state in the western United States, well known for its widespread legalization of the gambling and gaming industry. When searching for a Las Vegas Nevada real estate, it is important to consult qualified brokers. The purchase of any type of residential or business real estate is an important decision. There are agencies, which have a network of local brokers and specialize in residential and commercial real estate. There are brokers who work individually also. In the case of a seller, the main objective is to sell the real estate property at the highest cost possible and as quickly as possible. The buyer desires to purchase the real estate at the lowest possible cost. It is essential to both to go through the transaction with no problems and no time wasted. Nevada real estate brokers assist buyers and sellers in this.

Experienced Nevada brokers primarily aim at meeting the demands of customers seeking to invest in real estate. They have a documented record in buying and selling real estate and are an ideal option to ensure the best deal possible. They are well aware of the market conditions and price fluctuation. This puts them in a position to be able to suggest the best price strategy. This helps to gain from the value of a Nevada real estate sale or purchase.

Nevada real estate agencies offer a selection of properties available for purchase and this is helpful to the real estate investors. These companies have websites that list Nevada's magnificent penthouses, condos, practically priced investment properties, single-family houses, sea front mansions and business properties. Every real estate list contains the properties available currently, house plans and elevations, builder models, pricing and square footage, neighborhood information and contact details. The information helps in securing good estate deals in Nevada.

Nevada provides detailed information on Nevada, Las Vegas Nevada Real Estate, Reno Nevada, Nevada Corporations and more. Nevada is affiliated with Napa Valley Wine Tours.

Saturday, December 13, 2008

Investing in Real Estate Foreclosures Can Make You a Lot of Money

Real estate foreclosures are properties that have been repossessed by lenders because the previous owner of the property failed to make mortgage payments under the terms of the loan. The lenders then sell these properties to the public in order to recover their losses. Sometimes these properties are sold at a real estate auction, where foreclosure real estate goes to the highest bidder. But they may also be sold by the homeowners themselves, or by government agencies.

There are different types of foreclosure properties that you can buy. These include foreclosure homes, bank owned properties, repo-homes, HUD homes and VA foreclosures.

While their popularity and value as a commodity is now higher than ever, foreclosure homes have been around for many years and have always been a great way to invest in real estate. The most important thing to know about real estate investing and foreclosure properties is that while many foreclosures can be bought at prices way below market value, this is not the rule. Some foreclosure properties are sold at or around market value and will not allow you to earn as much money. You can still get very good deals, but you must do your research and carefully evaluate each opportunity

www.foreclosuredeals.com/content/realestateforeclosures.htm

Friday, December 12, 2008

Living The Laid Back Life In Tennessee

Tennessee is a great destination for the avid vacationer and the couple or family looking to get away to a more rural lifestyle. Of course if you are into the big city life, Tennessee can accommodate you for that as well.

Eastern Tennessee is one of the foremost vacation destinations in the Southeastern United States with cities such as Gatlinburg, Pigeon Forge and of course the Great Smoky Mountains National Park. The Smoky Mountain National Park is the most visited National Park in the United States with more than 9 million visitors every year and Cades Cove is the most popular destination within the park. Cades Cove offers a look back to what life was like for the early settlers during the 19th century. A 10 mile loop road around the Cove is the highlight of a visit here.

The park also includes more than 800 miles of hiking trails for everyone from a casual nature walk to backcountry rock climbing.

Gatlinburg is the main town that services the National Park and if you aren't camping in the park you are probably staying in Gatlinburg. An interesting little known fact about Gatlinburg is that ten times as many people lodge in Gatlinburg every night as live there. Gatlinburg and the surrounding area boasts accommodations for more than 30,000 people. Some of the more popular places to stay are in log cabins with incredible mountain views or in a secluded wooded cabin away from everything. There isn't anything that will give you more of a sense of the rural and relaxing lifestyle than to vacation in a log cabin.

Gatlinburg's sister city, Pigeon Forge, offers many attractions and hotels on the main road through town. Go-karts and the Dollywood theme park are the more popular attractions. Pigeon Forge also boasts one of the largest outlet malls in the south for the person that can never get enough shopping.

Tennessee has a rich history that includes many major battles fought in the Civil War. If you are a civil war buff you can visit such historic sites as Chattanooga National Military Park, Fort Donelson National Military Park, Shiloh National Military Park, Stones River National Military Park and the Andrew Johnson National Historic Site as well as others.

If you would like to live in Tennessee and still be close to the mountains, but away from the tourist areas, then Knoxville is your city. With a population of 180,000 and great home prices you can be within 45 minutes of the Smokies and enjoy everything the city has to offer.

And if you do enjoy the amenities of the big city life then Memphis will surely accommodate you. The Memphis metropolitan area has a population over 1.2 million and offers everything you could want in a big city. It is famous for music and has produced several genres of well know music such as the blues, rock n roll and gospel. Some of the more famous Memphis musicians are B.B. King, Johnny Cash and of course the King of Rock n Roll, Elvis Presley.

Tennessee offers a little bit of everything for almost every one. Come and enjoy a great vacation or choose Tennessee as your permanent address.

Alan LeStourgeon writes about several areas of the country on his Melbourne and Palm Bay web site where you can get more information about the Tennessee lifestyle and search Tennessee MLS listings for a new home.

Thursday, December 11, 2008

Is Property in the South of France Really That Expensive?

It is true that the South of France is one of the most expensive areas of France for property for sale. However, if you are prepared to compromise a little on size there are plenty of lovely little apartments and houses available for under 200,000 Euros.

At the time of writing, one incredibly good value residence on the Riviera just 20 minutes from the beach in Signes is situated in an activity park surrounded by lush pine forest. This residence was designed as a hamlet and is an excellent place from which to explore the rest of Provence - from its medieval villages to its colourful landscape and Mediterranean coastline. Prices for studios start at 75,000 Euros and offer either classic freehold or leaseback purchase with guaranteed rental income of up to 5% which is unusually high for this part of France with prices equally low.

Another highly sought after location in France is Uzes with its historical centre with remnants of its Roman past. Small boutiques, unassuming restaurants tucked away in tiny alleyways and its local markets rich in local produce fill the charming town. There is a luxury development only a few minutes walk from the historical centre at a prestigious address surrounded by landscaped gardens with its own private pool for the residents. It is not often you see such a well located new build residence and even less at such keen prices: from just 113,000 Euros you can invest in a spacious 1 bedroom apartment with a terrace and with the option for guaranteed rental of up to 4.78%.

New Build Property for Sale:

New build property has many advantages:

- Small notary fees of just 2 to 3% compared to 7 to 10% for a traditional sale

- Very low maintenance costs as repairs are negligible

- Off-plan property will usually increase in value considerably by completion date 24-18 months later

- Builders guarantee for 10 years

- You can often modify designs and choose interiors to suit your personal taste

- Often an option for guaranteed rental income (depending on development)

but perhaps older character property is more to your taste? If you are looking for a small house in a rural provencal village then with a budget of 200,000 Euros you can get on the proverbial ladder.

So even in the South of France you can find great value property for sale....

Nick Dowlatshahi is the managing director of Leapfrog Properties, a UK specialist agency in French property. Leapfrog offer an online database of up to 200,000 properties for sale in France plus a personal service from fluent French speakers to help you find, view and buy your property. Leapfrog Properties website is at http://www.leapfrog-properties.com.

Costa Rica Property ? 4 Reasons It Will Continue To Soar In Value

Costa Rica property prices continue to soar in value and many investors have been doubling their investments annually. Can this continue? The answer is yes and this can make you some great profits with low risk and we all want that!

Costa Rica property investment does have rivals such as Honduras, Belize and Nicaragua but these markets simply dot offer the same risk reward.

Lets look at why Costa Rica property prices will continue to soar in value.

1. Its an established market

Costa Rica property prices have been soaring for 10 years and it has become a mature market. While many investors think that prices can?t go higher, they can.

Why?

Quite simply, there is a track record of growth and all the factors that were present 10 years ago driving prices higher are still there, in fact their set to accelerate.

Investment is at record highs and rising and this will continue to drive prices higher.

2. Rewards are high and risk is low

The major attraction of Costa Rica property is the opportunity to buy property that is 70% less than in the southern US states in a beautiful and stable country.

Many investors however are thinking well if Costa Rica has taken off, maybe they should buy one of its neighbours like Nicaragua.

Prices are cheaper so upside will be higher.

This is totally incorrect. A new emerging market may take off but most don?t, you can buy property cheap but it?s cheap for a reason!

When buying property you don?t want to buy the cheapest, this is a mugs game.

You want to buy competitively prized property, with low downside risk and great upside potential and that?s exactly what Costa Rica property offers you.

If you want double digit annual gains with low downside risk then Costa Rica property can give it to you.

3. It has an established expat community

If people are looking at buying for investment, second or retirement property, they will look for who else is investing and living in the country from their own nation.

Once an expat community starts to establish and grow it attracts other expats. Many people like living in country where they are the only ones, but most don't.

Americans and Canadians in particular come to Costa Rica because the locals are friendly and they have their own community as well, to make them feel at home.

4. Outside Factors ? The major one to drive prices

Consider this

The baby boomer generation is coming to retirement age and are faced with this scenario:

Most will not be able to have the same standard of living their used to now. State support is less medical care costs are high, their living longer and they haven?t saved enough!

So what will they do? Many are already seeing Costa Rica as a way to maintain and improve their standard of living (just 3 hours from the US) and their buying Costa Rica property in ever increasing numbers

The baby boomers as they retire now will accelerate the upward trend in Costa Rica property prices and this is an opportunity for some double digit profits with low risk.

More FREE info and A FREE guide on Costa Rica property as well as video's features and articles go to http://www.costaricalandlots.com

Wednesday, December 10, 2008

An Introduction To West Virginia Real Estate

Unlike neighboring Virginia, the state of West Virginia offers far greater diversity in living arrangements. The state has one of the most perfect blends of urban and rural neighborhoods, which make it an ideal place to settle down.

The biggest deterrent to real estate development in West Virginia is the state's mountainous and rocky terrain given to it by the Appalachian Mountains. The towns are far apart and small for the want of space in the squeezed valleys. However, if it weren't for these very mountains, American history would have been written quite differently. There are many historic sites within the state that still bear the scars of the Civil War and other turbulent periods. The state is also famous for its gorges, through which run the state's rivers, making it an ideal destination for adventure water sport enthusiasts. The state plays home to many of the countries top schools and colleges and consequently offers very good professional opportunities. The state has seen greater development than most surrounding states and this has lead to the growth of modernized cities with a booming real estate market.

There are many real estate agencies that people can approach when they wish to purchase property in West Virginia. The agencies can help individuals fix budgets and find suitable localities with homes that fit the budget. At times, individuals choose to scour the counties for appropriate properties and then approach a realty agent for the determination of price. Whatever the approach, people need to be careful while choosing a real estate agent and make certain that the credentials and claims of the agency are worthwhile. The best way to ensure this is to work with nationally renowned real estate agencies. Another important thing to be remembered when purchasing property is to fix a budget before approaching the realtor. This is helpful because it helps narrow down the possibilities and allows the search for a suitable abode to proceed faster.

Virginia Real Estate provides detailed information on Virginia Real Estate, West Virginia Real Estate, Virginia Beach Real Estate, Northern Virginia Real Estate and more. Virginia Real Estate is affiliated with Williamsburg Virginia Bed And Breakfast.

Tuesday, December 9, 2008

Mortgage Applications Decline

According to the Mortgage Bankers Association Weekly Mortgage Applications survey, loan application volume has decreased for the week ending July 28.

The Market Composite Index saw a decrease of 1.2% on a seasonally adjusted basis, landing at 527.6. This is the lowest point for the index since May 2002.

On an unadjusted basis, the Index was down 1.4% when compared to the previous week. When compared to the same week last year, the Index was down 29%. This indicates that the housing market is indeed in the mist of a severe slowdown.

The seasonally-adjusted Purchase Index saw a decline of 3.3%, down to 376.2 from 389.0 the week earlier. This is the lowest point for purchases since November 2003.

However, the Refinance Index experienced an increase of 2.3%. The Government Index also saw an increase of 0.9% for the week.

The four week moving average for the Market Index is down 1.5%. The purchase index is down 2.3, while the Refinance Index is down 0.1%.

Refinancings accounting for 37% of all mortgage activities, up from 35.6% the week earlier. The ARM share of activity fell to 27.8% of total applications, down from 28.6%. This is the lowest share for ARMs since March 2004.

The average interest rate on a 30-year, fixed-rate mortgage fell to 6.62%, dwon from 6.69%. Points also decreased to 1.00 from 1.07 for 80% mortgages.

The average interest rate for a one-year ARM fell to 6.18%, down from 6.25%. Points decreased slightly, from 0.83% to 0.81% on 80% mortgages.

Overall, the market is slowing. Sales of new homes are down 11% in the past year, while existing home sales are down 8.9%. Housing starts have decreased 11% in the last year. The home builders sentiment index -- the report of builder confidence -- is down 41 points in the past year, to a low of 39.

Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

Monday, December 8, 2008

Home Sellers: Is Your Home in One of these Buyer's Markets?

It may not actually be the beginning of the end of America's real estate boom, but one of the first indications of a slowdown in the housing market is when homes begin to take longer to sell. Although the National Association of Realtors doesn't keep track of the nation's overall home marketing times, but there has been a dramatic rise in the number of homes on the market in the past six months. With the supply of available houses rising, buyers have more homes to choose from, and according to the laws of supply and demand, that means prices in many areas of the country may begin to come down.

Let's look at some areas of the country to examine trends. In Philadelphia, Pennsylvania, the average marketing time in June 2006 was 33 days. That amounts to an increase of ten days from a year ago. Although the number of sales has remained steady, there are more houses on the market--nearly twice as many, in fact, standing at 36,000 units, as opposed to 21,000 the previous year.

It has traditionally taken longer to sell a home in Nashville, Tennessee (an average of 65 days a year ago) but that figure has risen to 75 days in the current market. In Des Moines, Iowa, the average time on the market has increased from 75 to 82 days, and although prices haven't fallen, some developers have begun offering rebates and free upgrades to move their homes more quickly.

The figures are even more dramatic in some areas of the country that have been considered hot markets over the past few years. In Hanover, New Hampshire, for instance, which experienced double-digit annual price increases since 2000, the average time on the market has risen to 125 days. Such startling numbers are likely to begin affecting home prices in the near future.

In Napa, California, homes used to sell in two weeks or less, but the average home now sits on the market for 60-90 days. Although residents of the area don't seem concerned about Napa’s overall future, they may begin to see prices decline as homes continue to take longer to sell.

Other cities are also experiencing longer sales times. Sales time in Boston has risen from 52 to 58 days, Phoenix now takes about 60 days to sell homes that used to sell in less than two weeks, and Miami's on-market time has increased to nearly 40 days, up from 20 a short time ago.

The bottom line: with on-market times rising across the country, it's possible that home prices in many areas will begin to decrease. It also means that sellers will need to keep a closer eye on their local markets to make sure their homes are competitively priced if they want a quicker sale. As more and more homes begin to show up on the market, prices will eventually begin to soften. That's the way supply and demand works. But for now, our most recent real estate boom may be ending.

Copyright © 2006 Jeanette J. Fisher

Free home seller tips and home staging information from author Jeanette Fisher. Learn how to prepare your home for a speedy sale: http://sellfast.info

Sunday, December 7, 2008

Buying Vacation Property in Palm Beach

The boom in vacation properties is just beginning. It appears to be a strong real estate trend in the coming years.

There are two main reasons for this trend. First, people born in the 1940s and ?50s are now looking toward retirement and are financially able to own a second home. As they live longer, healthier lives and stay active, many are choosing vacation homes near ski slopes, golf courses, or water-sport areas.

The other reason for the growth in the vacation market is money. Many people have refinanced loans and taken the equity from their primary residence to purchase a vacation home. Owning a second home appeals to some people as a safer investment than the stock market.

Here are some tips to help you select a vacation home:

* Buy a home you are going to use in an area you enjoy visiting. If it is too far away or inconvenient to travel to, you won't go often enough.

* Choose a location with a variety of indoor and outdoor activities for when the weather turns bad.

* Research locations and visit destinations, preferably in different seasons.

If you're thinking about buying a vacation home in Palm Beach, make sure to take care of the points made above. The market for Palm Beach real estate is finnicky and the devil is definitely in the details. After talking with many a Palm Beach realtor, it is clear that the difference in making a fast sale and staying on the market for a while is the small fixes that svae lazy buyers from doing it themselves.

Saturday, December 6, 2008

The Baby Boomers have Cash to Spend on Property

It is estimated one in five baby boomers - or 15 million Americans - will relocate upon retirement to a more desirable home. What a smart real estate investor should be thinking, is where are they going to relocate to and what style of housing are they going to be buying. And what I would be aiming to do is buy real estate investments in their target areas. The Baby Boomers are going to be cashed up with a life time of savings to spend in their pending retirement.

But they will not be heading to the coast of Florida if any of the other states have anything to say about it. Florida is losing ground to states like Texas, which have launched aggressive marketing campaigns to lure retirees.

Other factors influencing retirees' relocation choices include: ?Affordability of real estate. Markets such as Texas that have not seen the hyper-inflation that most of Florida experienced in recent years will actually benefit. ?Costa Rica is now being opened up as the next affordable paradise to live in. The seaside ground swell will fuel markets like this one. ?Proximity to universities and/or colleges. Retirees are no longer content to simply golf and lounge. Instead, many are seeking out continuing-education opportunities. ?Cultural activities. Relocating boomers also want to be within easy driving distance of museums, live music, shopping, and other distinctly cosmopolitan attractions. ?The cafe strip is becoming increasingly popular for people to spend their leisure time. ?Retirement villages for people who are still active are becoming increasingly popular. Investors can hold several properties in this village. ?Key infrastructure will be the secret. Older people will want all the services with out the travel and traffic problems.

Investors who purchase real estate in these areas that will attract the Boomers will make a fortune when others are struggling. It is all about different strategies to suit the needs of the buyers.

http://www.therealestateinvester.com I am an experienced and passionate investor. I buy typical mum and dad type houses that give me cash flow and capital growth. My website offers helpful tips and ideas for any type of investor to help you with your wealth creation. Using my site will help to prevent you falling into the traps the inexperienced investors do.

Friday, December 5, 2008

The Changing Real Estate Market

A housing downturn may be imminent, say economists and real estate investors alike ? presenting problems for many people, but opportunities for others.

You?ve probably heard about the coming slowdown in the housing market for a very long time. Real estate is cyclical, and in the United States it has been in an upswing for at least five or six years, which is how long housing prices have exceeded the rate of inflation, says Susan Wachter, professor of real estate finance at The Wharton School at the University of Pennsylvania. That means it?s only a matter of time before we experience a downturn.

It?s hard to believe a downturn is really here. On March 1, the Office of Federal Housing Enterprise Oversight (OFHEO) announced that average U.S. home prices climbed 12.95 percent in 2005, despite rising mortgage rates in the second half of the year. That?s about double the historical average of 6.4 percent, according to Bankrate Inc.

But while the housing market is still appreciating, it?s appreciating more slowly. The Commerce Department announced on March 23 that new home sales tumbled 10.5 percent in February to an annualized rate of 1.08 million units, the biggest one-month drop in nine years.

That means properties are sitting on the market for much longer than they used to. You might expect that in California, where Bruce Norris of the Norris Group, a California-based real estate investment firm, says ?we?ve gone from a three-month supply to almost a seven-month supply.? But examples are pouring in from all parts of the country. In Miami, at the Jade Residences at Brickell Bay, 117 of the building?s 352 units are reportedly on the market. And in Manhattan, at Donald Trump?s 120 Riverside Boulevard condos, more than 20 percent of the building?s 250 units are up for resale, according to The New York Times.

And increasing supply almost always leads to falling prices, says Norris. For the first time since the third quarter of 2003, one of the regions in the much-followed OFHEO index showed a four-quarter price decline: Prices in Burlington, North Carolina, fell about 1 percent between the fourth quarter of 2004 and the fourth quarter of 2005.

That may not seem like much, but economists see it as a foreboding sign ? and it?s not just due to rising interest rates. ?Housing valuations have become somewhat stretched in some areas over the past year,? says Josh Feinman, an economist with Deutsche Asset Management in New York. ?Some cooling is likely.?

The slowdown will affect anyone who?s buying and selling property, of course. But real estate speculators ? individuals who buy property with the intention of re-selling quickly, or flipping it, for a profit ? are likely to suffer the most. That?s because they could be paying mortgages and maintenance costs on properties they can?t sell and can?t rent out for enough money to cover their costs. According to Redbrick Partners, a New-York real estate investing firm specializing in single-family homes, half of the rent an investor can potentially collect does not flow to the bottom line, because it gets eaten up by vacancies, taxes, maintenance, etc. And as supply has increased over the past decade, demand has decreased. Today, Redbrick Partners says rental yields on single-family homes have declined from 7 percent in 1976 to under 5 percent today. And Norris says that in areas of California, a $500,000 house would rent for just $1,400 per month.

There is some good news, however. First, the housing market often fluctuates in different geographical locations. Miami, Florida, is an often-cited example: The number of condos worth $500,000 or more for sale in Miami is reportedly twice what it is in Los Angeles, where the population is four times as large. ?If you ask me if the housing marketing is going to experience a downturn, I have to ask you ?Where??? says Norris.

In general, the markets that have had the greatest appreciation over the past five years are most vulnerable to a downturn, say real estate experts. ?When affordability is at an all-time low, as it is in California, where housing prices have appreciated 300% over past eight years, you lose velocity, or the ability to sell a house at a brisk pace,? says Norris. ?And prices start to come down.?

As for specific areas that are likely to experience downturns, on December 16, CNNMoney.com reported that Las Vegas property values will fall by 7.9 percent in 2006 and another 5 percent in 2007; San Diego property values will fall by 3.4 percent in 2006 and another 5.7 percent in 2007; and Santa Ana/Irvine property values will fall 3.1 percent in 2006 and another 6.1 percent in 2007.

Second, wherever the housing market does cool, it isn?t likely to do so overnight, so sellers needn?t get desperate. Some individuals, of course, will have to sell ? those who need to move because of a new job, or a divorce, for example. But others can take some time, as a softening or declining market often takes years.

Finally, it?s also important to remember that one man?s troubles are another man?s opportunity. Some of the best real estate investors buy when everyone else is selling. The theory: As prices decline, it becomes easier for investors to buy properties that create cash flow. They can take their time and negotiate lower prices; they don?t have to waive contingencies, such as appraisals and home inspections; and the income they can realize from renting the property is greater than what they?re paying for it.

In fact, for some investors, like Jonas Lee of Redbrick Partners, buying in a downturn is a way of business. Lee says in a January 22 CNNMoney.com article that his company has succeeded since 1993 by employing this strategy. The typical single-family home the company buys ? usually in the downtown residential areas of rust-belt cities such as Baltimore and Philadelphia ? costs just $80,000. He hopes a downturn in the housing market will give him even more opportunities to buy low.

Experienced real estate investors offer two pieces of advice, which vary depending on your plans for the property.

If you?re buying to sell, Norris agrees that buying low is a good idea, but you have to understand the real estate market first. ?You have to be able to determine when a down market is about to switch and go up again, and buy then? he says. ?A lot of time people will see the market softening and buy too early. For example, someone in California might see a house go from $700,000 to $625,000, think it?s great deal, and buy it. But three year?s later the place will be worth $500,000.?

If you?re buying to rent, Redbrick Partners suggests looking at urban single-family housing. According to the firm?s research, nationwide single-family housing returns have averaged 12 percent since 1976, and volatility has been low, with not a single year returning less than 6 percent. The key to success for small residential landlords trying to calculate the yield for a property costing $250,000 or less, according to Redbrick Partners co-founder Tom Skinner in an October 2, 2005, Chicago Tribune article, is ?rent divided by two divided by price.? Typically, that gives landlords their yearly rental profit on a property to within 1 percent. It doesn?t account for any estimate of future appreciation or depreciation, but it is a pretty accurate measure for someone trying to determine if he or she will be make any money by buying a house and renting it out.

Sandy Shuad, Producer, Real Estate TV.com www.realestateinvestmenttv.com

Developed and launched in 2006, for real estate agents, brokers and investors, old and new, www.realestateinvestmenttv.com has exploded into a diverse website covering the latest news and information in the world of real estate investing, Check out the Real Estate Monthly Update Program, the latest Trends and Data or listen and learn from a free PodCast. Choose from over 50 different ?Channels? of specific content to watch, or upload your own ?Street Report? and become a REITV.com correspondent. By utilizing impactfull, original, and valuable content, via articles, advice, news, information, videos, Podcasts and professional reference, Real Estate Investment TV is being touted as ?the? place to go on the web for Real Estate Investment news and information. Check out the latest Trends and Data, choose from over 50 different ?Channels? of specific content, or upload your own Street? Reports and become a REITV correspondent.

Thursday, December 4, 2008

Real Estate Lead Online Marketing Made Easy

Whether you're newly licensed, or an old real estate pro you need leads. They're not easy to come by, but are easier to get than most agents make it out to be.

For example, you can create an online newsletter, or ezine as it's called in the online community, and give it away via a FREE Subscription in exchange for a site visitor's email address. Many people are eager to do this, especially if your newsletter is perceived to be of high value and contains useful information.

2)Another real estate lead, online generating idea is to attract people to your web site by way of offering great web site content. People and search engines love quality content, and both reward you by becoming frequent visitors, and the more they visit, the more likely you are to convert at least the human visitors to paying customers.

You can educate them about consumer loans, the ins and outs of buying and selling homes, how to stage homes to sell for maximum profit, etc.

With the right marketing strategy, you can brand yourself as the expert in your community by providing buyers, sellers and others with community resources and powerful community property searches. You can easily provide your web site visitors with mortgage calculators, mortgage rates, school information and local weather.

3)Give your visitors a free ebook. People love ebooks, and easily give their email addresses and other contact information in exchange for them. If you don't have a free ebook there are lots of places on the Internet offering freebies that you can start collecting to give away.

One way to get a lot of freebies is to search the Internet and find a few websites offering a ton of giveaways in exchange for signing up for their newsletter. Many allow you to then turn around and give away the same products they give you.

4)Have a contest and give visitors a free entry into it, with the prizes being something of interest, or of value to them. Many of them will regularly revisit your web site to get the results, so be ready to capitalize on it.

5)Offer free, interactive services on your website, calculators, amortization schedules, and the like. The more engaging the services, the more popular your web site will be.

6)Start an online club, or a special membership area, and give your visitors a free membership. Everybody loves to feel special.

7)Finally be sure to have a place on your web site to capture the names and email addresses of people visiting your website. This is known as an opt in form and is key to your overall online lead generating success

Real Estate Search Engine optimization Optimized Web Site information can help you get your real estate web site indexed by search engines faster.

However, key to this is the uniqueness and quality of your content. The more original it is the better your search engine rankings will be. Well written, unique content will get you noticed by human visitors and search engine spiders alike, while poorly written content is virtually assured to get you ignored.

Human beings are curious creatures. They will keep their eyes glued to their computer monitors if you post fresh, useful news frequently. Search engines are just as curious, but are also needy in that they need to provide good information their searchers or risk losing them to another search engine. So they need you, like you need them.

Summarily, these are just a few ideas about how you can have effective real estate lead, online marketing campaign. Making them a part of your online marketing efforts now can pay dividends in the future.

Visit Real Estate Marketing Talk for more information about Real Estate Agent Web Sites.

Wednesday, December 3, 2008

Disclosing Defects is Every Seller?s Responsibility

Sellers have the responsibility of disclosing any defects in the property to the buyer. The seller should disclose defects which could affect the value of the property as well as the living conditions. The defects may relate to insulation, structure, plumbing, electrical, heating and cooling systems, fixtures, etc. No defect is too small to be kept away from the buyer.

It is understandable that most sellers feel that disclosing defects may result in a lower price, so why should they subject themselves to this? Firstly, because it is unethical and unfair to those buying your home. If this is not a good enough reason, consider the damage you will suffer if the buyer decides to sue you later.

Some states require sellers to fill in a disclosure form which has to be handed over to the buyer. If the seller does not present this form, the buyer can easily withdraw his offer and get a complete refund of his earnest money deposit. Laws have becomes stringent over the years to protect consumers, in this case the buyers. Some items have to be specifically disclosed and vary from state to state. Federal law requires disclosure related to lead content.

Even if there are no strict laws applicable, one is not allowed to mislead the buyer. You may choose to hide a minor defect but leading the buyer to believe something which is false will surely get you into trouble. If you lie about a particular defect and the seller finds out later, you will be required to reimburse for repairs and perhaps suffer litigation.

Get an inspection done if you must but reveal the condition of the property truthfully. If it is possible you should consider fixing some of the major defects. Even if you are selling your home ?as is?, it only means that you are not required to renovate or repair defects. You will still have to disclose the defects to the buyer.

Find out the legal obligations of the seller in your state to fulfill your duties completely. Although it is up to the seller to reveal all defects, it is suggested that one should do it. It will provide the buyer a clearer picture and save you from getting slapped with a lawsuit.

Sadiya Anjum - ChoiceOfHomes.com - Find listings of Homes for Sale online. Home owners may also advertise their home for sale online.

Tuesday, December 2, 2008

Top Speaker Says: When The Buyer Is Ready The House Will Appear!

That old Rolling Stones tune, ?I Can?t Get No Satisfaction? could have been sung by those seeking to buy homes during the real estate bubble of a year ago, and more, which of course has been bursting ever since.

At that time, it was a seller?s market, and multiple buyers frequently offered more than the official asking prices because there was so much demand and so little supply.

Now, we may be on the threshold of a true buyer?s market, with home prices that reportedly have taken a 10% dip in the last year, alone.

Still, buying your dream house is difficult in any market. It just seems hard to find all of the practicality and frills you need and can afford in a single dwelling.

But instead of abandoning hope, I suggest you relax and consider my spin on an aphorism that I once heard, and you may have, too:

?When the student is ready, a teacher will appear.?

I?d like to offer this twist:

When the buyer is ready, the house will appear!

This has happened to me on multiple occasions. I?ve admired certain homes for years, and then, when I have been ready to upgrade, I?ve driven by these addresses and noticed For Sale signs. Within days, I?ve bought them.

When I haven?t quite been ready, I?ve seen some nice places, but the deals could never quite come together. Maybe the small yards bothered me or the absence of swimming pools, or the loudness of the air conditioning system right outside of the master bedroom window.

The market is telling me this is a good time to start looking, and I have. But I?m not really ready to move, yet, so I expect I?ll see some decent listings, but in a few months that one-of-a-kind, must-have beauty will come along, and we?ll live happily ever after!

Best-selling author of 12 books and more than 900 articles, Dr. Gary S. Goodman is considered The Gold Standard--the foremost expert in sales development, customer service, and telephone effectiveness. Top-rated as a speaker, seminar leader, and consultant, his clients extend across the globe and the organizational spectrum, from the Fortune 1000 to small businesses. He can be reached at: gary@customersatisfaction.com.

Monday, December 1, 2008

An Introduction To Commercial Real Estate Loans

Unlike residential loans, commercial loans require more robust credit and down payment from buyers. Typically the terms of these loans are less attractive than residential properties. While these impediments reduce the number of qualified commercial real estate buyers, there are many investment trusts and corporations fully capable of qualifying for and carrying such debt service successfully.

Borrowers will be faced with a large variety of available loans. In the beginning, a deposit receipt needs to be provided which represents the terms of purchase of a commercial property. It will list the amount to be financed, estimated interest rates and terms of the loan. A loan is applied for by completing a loan application with a mortgage broker or loan company. There will be a non-refundable loan application fee, usually around $200 to $400. A commercial mortgage broker represents several lenders, and will submit the application to a lender he believes most appropriate for the situation. Representatives for banks and other lending institutions usually represent only one institution, and will submit the application to that institution. There are advantages to each type. The lender will verify the statements of assets, liabilities, employment, and salary. The subject property will be appraised.

The loan approval takes about 20 to 30 days on an average. The actual time depends upon how quickly the lender can process the application, get the appraisal, and obtain verification of employment and bank balances.

A commercial loan eases the burden of paying huge sums of money at a single instance. Finance options spread the paymet towards the loan amount over a period of 25 to 30 years. New businesses are increasingly opting for commercial real estate loans.

Real Estate Loans provides detailed information on Real Estate Loans, Commercial Real Estate Loans, Investment Real Estate Loans, Residential Real Estate Loans and more. Real Estate Loans is affiliated with Refinance Home Mortgage Loans.

Sunday, November 30, 2008

Oregon Home Buying

Maybe you?re buying your first home in Oregon, or perhaps you?re relocating to Oregon from another state. Either way, it?s important that you educate yourself on Oregon home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in Oregon:

The median price of a home in Oregon is $152,000, and homes in Oregon have appreciation rates higher than the national average. The rate of job growth in Oregon is among the top five states in the nation. Additionally, mortgage interest rates have recently been lower than the national average, and many Oregon residents have been refinancing their adjustable rate mortgages.

Home prices in Oregon can vary greatly between zip codes. For example, in Portland, Oregon, the median price of a home in the summer of 2005 was $262,000; however, in Beaverton, Oregon, the median price of a home was $187,000.

The Homeowner Education Collaborative of Oregon offers a training course, The ABC?s of Homebuying, to Oregon residents planning to buy a home. This course covers the basic information a homebuyer needs to know about housing decisions, financial preparation, mortgages, shopping for a home, closing your loan, and protecting your investment.

If you?re buying a home in the state of Oregon, you qualify for both federal and state FHA and VA loans. First-time home buyers qualify for Oregon FHA loans with below-market interest rates, and, depending on their income, may also qualify for down payment assistance. The Residential Loan Program offers below-market interest rates to first-time homebuyers with low to moderate incomes, and the Downpayment Assistance Program offers down payment assistance to first-time homebuyers who meet certain income requirements. The income requirements vary from county to county.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Oregon Mortgage Rates and Loans.

Saturday, November 29, 2008

You Can Afford A Home In California

You don?t even have to be a movie star to do it! If you?re willing to take your time to look for the best home for your money, your dream of owing a home in California can become a wonderful reality.

Foreclosures are a terrific opportunity to find a great home at a fraction of the price. Be aware that foreclosed houses often need some minor repairs, because the foreclosing banks sell these houses as-is. Still, the cost of replacing some carpet or repairing a few eyesores is almost always well worth it in the end. Often you?ll be able to sell your repaired foreclosed home for a very nice profit! And if you have a talent for home repair, the savings, and therefore your profit upon resale, is that much greater.

Shop around for the best mortgage you can find. Numerous websites offer the chance to calculate the amount of money you can afford to spend per month on mortgage payments, the type of loan you are likely to be offered with your credit history, and other great planning tools. Other websites actually contact multiple lenders on your behalf to help you find the best deal. These are great resources, so use them!

Finally, know what you?re getting. Make sure you understand the mortgage paperwork and all the terms on it. Double check anything you don?t understand. Whenever possible, have an uninvolved third party review the paperwork before you sign. Finally, sign the forms and enjoy your new California home!

Check Out More Articles:

Qualify Independent Financial Adviser, Do It Yourself Cards Fix Credit Newgoodcredit Com, Online Mortage Loan Articles

Friday, November 28, 2008

Tips to Save You Time and Money When Investing

Here is some valuable and time saving real estate investing tips that will benifit you and most people which you may not be aware of . . .

Everyone?s reason for selling their property is different and the settlement time in which they want (or need) to sell can vary as well.

When a person is selling a property I like to find out what is their level of Motivation to Sell.

What you need to determine is that some vendors are motivated to sell and will look favourably on your offers in order to achieve a quick sale while others have higher and often unrealistic prices that will not be suitable for your investing needs.

What I would suggest is you focus on those who are motivated and spend less time on those who are not. Don?t ever take their rejection of your offer personally,

And please don?t let fear of rejection stop you from making any offers with any types of vendors.

You will quickly find the motivated vendors by making offers, always include a ?subject to? line included in your the offer. (Subject to Finance, Building inspection, etc)

Always treat the vendor as a businesses partner it is merely a transaction between both parties to achieve a satisfactory outcome.

Be polite and respect them, don?t try to burn them. Concentrate on their needs as well. There are always plenty of deals to be had.

If you treat people this way they will be more likely to want to do business with you. Sometimes they will often come back and take another look at your offer if they can?t get their asking price.

Remember there is always more than one way to skin a cat.

http://www.therealestateinvester.com I am an experienced and passionate investor. I buy typical mum and dad type houses that give me cash flow and capital growth. My website offers helpful tips and ideas for any type of investor to help you with your wealth creation. Using my site will help to prevent you falling into the traps the inexperienced investors do.

Thursday, November 27, 2008

Real Estate Q & A

Q. My property went into a sixty day escrow. The escrow amount was $3,000.00. Five days prior to closing the buyer's agent notified me that the contract would be cancelled due to the fact that the property did not appraise for the agreed upon value. Is the buyer's escrow forfeited?

A. In any situation, you must first turn to the closing contract itself. You should look for deadlines for certain things to occur, such as appraisals. Did this appraisal occur after the deadline? Were any other terms involving deadlines not met by the buyer? This will give you some insight as to whether or not the escrow monies must be returned. A general rule of thumb is that escrow monies cannot be released without the consent of all parties.

Q. We had a closing date set. I have just been informed that the seller is requesting a delay in the closing date. Do I have legitimate grounds for renogiation of the purchase price?

A. The reasons that a seller may wish to delay closing may vary, from the legitimate to outright procrastination. If you attempt to renegotiate the purchase price, it may be considered as a new offer, which replaces the original offer. This may therefore void the original offer and all terms negotiated pursuant to that offer. The safest way to approach this is to simply ask yourself if you are willing to wait for the property at the originally agreed upon price.

Q. I am purchasing a property. The seller has not found a replacement property, and has requested an extension of the escrow period. If I do not agree to the extension, do I lose appraisal and inspection fees, as well as my deposit?

A. The deposit will likely be refunded less a small cancellation fee. The appraisal and inspection fees will most likely be lost. If you agree to the extension, be sure to place deadlines on the seller, such as a time by which a replacement property must be found.

Q. I decided to purchase a particular home, however I have now changed my mind. How do I go about cancelling the contract?

A. A contract is a legal document which you have made with the seller. Cancellation for certain reasons may be allowed, however cancellation on the sole basis of changing your mind will likely come with ramifications. You should strongly consider these ramifications prior to backing out of the deal. You should consult an attorney regarding your potential liability in this situation. Typically, a contract cannot force parties to a transaction, however you may be responsible for paying damages to the seller. These damages can take many forms, including the lost opportunities that the seller missed as the result of taking his or her home off the market.

Q. I signed a contract to sell my home. Now I have changed my mind and want to keep the property. Must we sell our home?

A. Again, the first thing to do is to look at the legal document itself. Look for contingencies which will allow you to back out of the transaction. The buyer may decide to enforce the contract in court. You should consult an attorney. It would be wise to make the cancellation more palatable to the buyer by compensating him or her for all of their out of pocket expenses, and maybe an additional amount for their time and effort in negotiating the transaction.

Q. I made an offer on a property. The seller came back with a counter offer. May the seller subsequently sell the property to another buyer?

A. Typically, the seller is free to sell the property to the first buyer who accepts an offer. If you have not accepted the counter offer, chances are the seller is free to do as he or she pleases.

Q. Can I negotiate the selling price of a newly-constructed home?

A. You can always negotiate the selling price of any real estate. However, the seller of a newly-constructed home is usually not willing to budge on the price, for a variety of reasons, not the least of which is the small profit margin for transactions involving newly constructed homes.

About the Author:

Catherine Nguyen was born and raised in Dallas, Texas and is a licensed real estate agent. Ms. Nguyen specializes in Dallas real estate and has a career with Renowned Realty Group ? Dallas/Ft. Worth RE/MAX.

Wednesday, November 26, 2008

North Cyprus: The Last Mediterranean Property Investment Hotspot

If only I'd had the foresight to buy an investment property in Spain, the South of France, Tuscany or in Malta twenty years ago when property prices were so cheap because the desirability of the destination had yet to enjoy exposure...if only...

Many people believe that the world's most beautiful locations are the countries in and around the Mediterranean Sea - think Spain, Malta, Turkey, Egypt, Sardinia, Italy, Morocco and Tunisia. All are nations synonymous with a fantastic climate, a wonderful quality of life, excellent cuisine, friendly and laid back people...naturally enough the Mediterranean countries are the most popular with those looking for a sun drenched holiday, a beautiful place to retire to or the perfect place to buy a property that will go up in value, be easy to rent and easy to resell. But many have already missed the affordability boat.

Properties on the most popular islands in the Mediterranean Sea and in the most desirable locations start from a quarter of a million pounds and go up to tens of millions. So the average property investor, second home seeker or retiree looking for an affordable place in the sun is going to be sadly disappointed then?

That is unless they discover the secret delights of Northern Cyprus?

North Cyprus is the secret and undiscovered third of the island of Cyprus that has been left untouched, unspoiled and unsullied by the greed of the 1970s and 1980s, it has escaped the overdevelopment and mass tourism of the 1990s and it has emerged in the new Millennium as a gem in an otherwise saturated, over priced market.

Properties in Northern Cyprus start from just GBP 60,000 for a duplex apartment in a resort on a championship golf course! North Cyprus truly is the very last Mediterranean property investment hotspot and it will not remain undiscovered for long. While the government are committed to preserving the beauty and culture of the island and determined to prevent it being overdeveloped and sullied, the properties that are being built sympathetically are catching the eye of international property investors, retirees, second homers and those looking to afford to start a brand new and exciting life in the sun.

The number of visitors coming to Cyprus is increasing rapidly; large international developers are discussing many projects from seven star hotels and luxurious resorts to more golf courses, marinas and even a furthering of the higher education establishments that North Cyprus is already famous for. Demand for property for sale and rent is coming from the large student base but more importantly it is coming from retiring Europeans, young families and couples, holiday makers, those needing a second home and even corporate investors.

Northern Cyprus property will not remain so affordable for so long - firstly the demand for property for sale is outstripping current supply and builders cannot keep up with demand, secondly prices are already increasing and finance is being made available privately broadening the numbers of those who will be able to enter the market. As demand soars and supply remains steady and restricted by the government's high standards, prices are rising and are going to keep on rising...making North Cyprus's property market one of the hottest in the world.If only I'd had the foresight to buy an investment property in Spain, the South of France, Tuscany or in Malta twenty years ago when property prices were so cheap because the desirability of the destination had yet to enjoy exposure...if only...

Many people believe that the world's most beautiful locations are the countries in and around the Mediterranean Sea - think Spain, Malta, Turkey, Egypt, Sardinia, Italy, Morocco and Tunisia. All are nations synonymous with a fantastic climate, a wonderful quality of life, excellent cuisine, friendly and laid back people...naturally enough the Mediterranean countries are the most popular with those looking for a sun drenched holiday, a beautiful place to retire to or the perfect place to buy a property that will go up in value, be easy to rent and easy to resell. But many have already missed the affordability boat.

Properties on the most popular islands in the Mediterranean Sea and in the most desirable locations start from a quarter of a million pounds and go up to tens of millions. So the average property investor, second home seeker or retiree looking for an affordable place in the sun is going to be sadly disappointed then?

That is unless they discover the secret delights of Northern Cyprus?

North Cyprus is the secret and undiscovered third of the island of Cyprus that has been left untouched, unspoiled and unsullied by the greed of the 1970s and 1980s, it has escaped the overdevelopment and mass tourism of the 1990s and it has emerged in the new Millennium as a gem in an otherwise saturated, over priced market.

Properties in Northern Cyprus start from just GBP 60,000 for a duplex apartment in a resort on a championship golf course! North Cyprus truly is the very last Mediterranean property investment hotspot and it will not remain undiscovered for long. While the government are committed to preserving the beauty and culture of the island and determined to prevent it being overdeveloped and sullied, the properties that are being built sympathetically are catching the eye of international property investors, retirees, second homers and those looking to afford to start a brand new and exciting life in the sun.

The number of visitors coming to Cyprus is increasing rapidly; large international developers are discussing many projects from seven star hotels and luxurious resorts to more golf courses, marinas and even a furthering of the higher education establishments that North Cyprus is already famous for. Demand for property for sale and rent is coming from the large student base but more importantly it is coming from retiring Europeans, young families and couples, holiday makers, those needing a second home and even corporate investors.

Northern Cyprus property will not remain so affordable for so long - firstly the demand for property for sale is outstripping current supply and builders cannot keep up with demand, secondly prices are already increasing and finance is being made available privately broadening the numbers of those who will be able to enter the market. As demand soars and supply remains steady and restricted by the government's high standards, prices are rising and are going to keep on rising...making North Cyprus's property market one of the hottest in the world.

Rhiannon Williamson writes about real estate investment in emerging markets worldwide and highlights property investment hotspots. To learn more about property for sale in North Cyprus click here.

Tuesday, November 25, 2008

Why Real Estate Remains A Great Investment

One of the things that I noticed as I started learning about money and investments is that most great, lasting wealth seemed to have been made through real estate investing. Where real estate wasn?t the great driver, such as the Internet and telecommunications booms of the early 90?s, the smartest people redirected cash earned into real estate holdings.

It is still a good idea to use this approach today. No matter what you do for a living, I encourage you to consider getting involved in real estate investing. There are a lot of ways to do it, and we will cover some of them in future articles. For now, let?s examine some of the reasons why real estate works so well for those looking to build long-term wealth.

1.Income. Real estate investing offers you the chance to earn both active and passive income. Unlike your job, where you trade your hours and effort for cash, many real estate investments allow you to leverage capital. Your money makes you more money. Your earnings can actively involve your time and energy (such as managing rental properties) or you can trust others to manage your holdings (REIT?s and some limited partnership structures). Your choice should reflect your goals and lifestyle preferences.

2.Tremendous Tax Benefits. The benefits of owning property can have to do with the write-offs against the rental income. Your costs in marketing your property, cleaning and maintaining it, insuring it, screening tenants, etc. can be deductible. Other deductions typically include insurance payments, taxes, depreciation and interest expenses on any mortgages used to secure the property. While you can?t write off the principal payments on your mortgage, these payments can be figured into your depreciation calculations and benefit you thereby.

3.Asset Appreciation. Another great feature of real property is asset appreciation. That is, the underlying asset that is actively generating income and tax savings for you is also increasing in value and building your net worth. This should work two ways: the principal portion of your payments is reducing your debt and the marketplace is raising the value of the property. For example, market values of homes in my town increased by 9% last year. Some markets routinely see double-digit increases. On average, Houston real estate appreciates by 3-5% annually.

4.Stability. Investing in real assets can shield you from some of the fluctuations that exist in the stock and bond markets. While real estate does have cycles (just like any other asset class), demand for single-family housing - whether for rental or purchase - is fairly consistent. Relative to other investments, its fluctuations aren't as broad. While it may not hit the high highs of tech stocks, for example, it typically doesn't bottom out as dramatically either. This feature can be tremendous in a well-balanced portfolio.

5.Involvement. This is the fun part. Investing in real estate offers you a chance to ?kick the tires? more than virtually any other investment. This can make it a lot of fun. But, it?s not just fun; it?s protection. No one will be closer to the performance of your money than you. And that?s a good thing.

If you need help evaluating opportunities or financing your projects, contact me today. I have a free ?Deal Evaluator? in Microsoft Excel format that I will send you free when you e-mail me. Many real estate investors have found it helpful.

I wish you great success.

Mark Anthony McCray, author of the upcoming books, ?The 31 Rules for Succeeding as a Mortgage Broker? and ?The 31 Rules for Prospering Financially? (http://www.the31rules.com), is the Founder and CEO of Houston, TX based First Capital Mortgage Company (http://www.dealsdone.net). First Capital is a commercial mortgage banking and brokerage firm that has helped its clients leverage millions of dollars in financing for their real estate acquisitions, developments and investments over the years. Write to Mark at mark@dealsdone.net or call 713-267-4040 for more information about the author or First Capital?s services.

Monday, November 24, 2008

Top 10 Critical Mistakes Homebuyers Make and How to Avoid Them (Part One)

1.Using an out-of-town lender.

Getting a mortgage in a timely and hassle-free manner is the ?key that opens the door? to your new home.

Lenders who don?t live in the area you are buying in will not have the contacts needed to process your loan in an efficient and timely manner. Are you aware that if your lender fails to get you your loan on time, that your earnest money deposit may be at risk of being forfeited?

Your best bet is to ask your real estate agent whom they have used before and who they trust.

If it is important to you to use a lender from out-of-state (family member, friend etc.), your best bet is to have your lender refer your business to a local lender. This will help insure that your out-of-state lender receives a referral fee, they don?t violate state mortgage laws, and most importantly you are able to close on the home you want to buy.

Mortgage story: The very first transaction I was involved in after I got my real estate license was a nightmare due to a negligent lender. I was representing a buyer from Las Vegas (I live in St. George, Utah) that insisted on using a Las Vegas lender. Unfortunately the lender would rarely return calls or answer his phone. He failed to close on time. We extended the closing date time and again, and time and again the out-of-state lender failed to have the loan ready. The buyers were frantic and the sellers were angry. Finally eight weeks after we were supposed to close my buyers finally dropped the lousy lender and went with a local lender that I recommended. To my buyer?s amazement, by using the local lender, we closed the transaction 10 days later.

2.Not using a loan approval letter when making an offer on a property.

You?ve found ?The Home? and want to make an offer to buy it. Now anybody can make a full price offer and get it accepted.

What if ?The Home? is priced at $275,000 but you offer $250,000 and say that you will pay for the home by getting a new loan?

The sellers, when presented with your $250,000 offer, know nothing about you except that you seem to think their home is worth less than they feel its worth. At that point they will probably do one of two things. They might reject your offer outright. Or they might counter your offer at close to their asking price. As far as they?re concerned they never considered your original offer to be a ?real? offer.

Do you think that they would have taken your $250,000 offer more seriously if you had said you could pay cash? Of course they would have, after all money talks.

What if you had already received full loan approval from a lender. Not just pre-qualified, or pre-approved (Being pre-approved is kinda like being pre-pregnant), but fully approved for a home loan with a letter from the underwriter to prove it. A letter that is as good as ?cash in the bank?. You?ve become a ?Power Buyer?! You never know, maybe the seller would accept your offer, rather than letting a good buyer get away.

Wow, if your offer was accepted, you just saved $25,000 on the purchase of your home! And all you had to do was meet with the lender before you went house hunting.

3.Buying too much house for your income.

I used to do ?Broker Price Opinions, or BPO? for banks. This is where a bank would contact me to find out the value of a home that they had given a loan on. Often times this ?BPO? was because the homeowner was losing or had lost their home because they could no longer afford the home. What a terribly sad event for that family.

Things happen in life that you might never expect. Don?t unknowingly ?open the door? to future foreclosure and bankruptcy by getting a mortgage that you can ?grow into?. Life rarely works out the way you expect.

One of the best moves I?ve ever made was purchasing my current home. When I bought this home I qualified for a home twice as expensive as the one I bought. Payments on my home rarely cause me stress or concern.

4.Thinking ?short-term?.

Want to really scare me? Tell me you want to buy a home today and that you will want sell it in two, three or four years. Yikes! Talk about wanting to lose money.

Real Estate home values generally rise very slowly in a slow or soft real estate market. In St. George, where I live, our average time between hot markets (when home values rise quickly, usually doubling) is ten years. If you bought $250,000 home in a slow market, in three years it might be worth $265,000. Your cost to sell with commission and other costs would be $18,200. You would lose $8,200 for your short term thinking.

If you have to move within three years of buying a home, it would be better to use the home as a rental for a few years, and sell it when the market will allow you to make a profit. Better yet rent it out until the top of the next hot market, then sell it and potentially make $250,000 profit.

5.Using 1031 exchange money to buy personal property.

Do you really want to risk having the IRS charge you with fraud? Enough said.

This article is continued in Part 2?

About Me:
I have lived in beautiful St. George, Utah since 1998. I have been a real estate agent here (Washington County, Utah) since 1999. I have survived terrible housing markets and thrived in amazing markets (38% home appreciation in St. George in 2005). For more interesting articles, or to sign up for receiving my weekly St. George foreclosures email please visit my website: DonGlasgow.net. I also provide homebuyers with instant access to the Washington County MLS. I have gotten tons of compliments on my website, so make sure and check it out!

Sunday, November 23, 2008

Real Estate Home Study Courses

The Internet is a rich source of information on the available real estate courses offered by various institutions. The firms and institutions that are listed on the Internet offer formal training and review sessions for potential and licensed real estate agents, brokers, and appraisers. Another form of training that agents, brokers and appraisers can avail themselves of consists of home study courses on real estate that are also available on the Internet. Home study includes books and online courses that a student must complete within a six-month time frame. The home study program is designed to help agents, brokers, and appraisers supplement the amount of hours they have to put in their training so that they would qualify for the state exams. Each course usually covers six to eight hours of modules and other forms of tutorials.

Courses

The courses included in this type of training mandatory or required courses in Ethics and Real Estate and in Real Estate Laws. These mandatory subjects are similar to those that are offered in online real estate courses for agents, brokers and appraisers. Elective courses are also included in this type of training where other areas of study on real estate are offered. Some of the elective courses include courses on Home Inspection, Environmental Laws, Real Estate Taxes and Risk Management. It is the aim of these courses to expose the students to other relevant subjects with regard to their profession.

Cost

The average cost of modules for the home study programs that are available vary range from forty dollars for the six hour courses while the average for the eight hour courses is fifty dollars. In availing for these home study courses, students must be very careful since orders are deemed final and the students pay for these courses even if they do not get to finish them.

The convenience and the efficiency that home study programs provide for potential agents, brokers and appraisers, give valuable support for aspiring realtors in their preparations for state exams and their eventual careers in real estate.

Real Estate Courses provides detailed information on Online Real Estate Courses, Real Estate Agent Courses, Real Estate Appraisal Courses, Real Estate Broker Courses and more. Real Estate Courses is affiliated with Phoenix Real Estate Schools.

Saturday, November 22, 2008

Real Estate Are Interest Rates Damping the Market?

The Federal Reserve Bank has raised interest rates more than 15 times over the past two years, and Realtors are feeling the pinch. Home sales have slumped all over the nation, and blame is being placed squarely on interest rates.

In June Ben Bernanke, Federal Reserve Chairman said that core prices had increased 2 percent. No one except the Fed seems to think that we are in any danger of runaway inflation. The greater fear is that higher interest rates will lead to loan foreclosures as popular variable rate mortgages written in the past few years are repriced. Real estate agents and lenders are not the only ones affected by rising interest rates. Businesses that depend on borrowing will find their expenses climbing, which will lead to pay cuts, layoffs and pullbacks in operations if interest rates don?t level out.

Many young home buyers have opted for variable rate mortgages, betting that their incomes would increase before the interest rates on their homes. Rising rates will put many young families at risk of losing their homes. Americans place a high value on home ownership, believing it leads to stability in our society.

Some have cast blame on rising rents for fueling inflation, but the truth is, rents have been stagnant for years. Young families normally rent for a few years as they save for their first home, but in the past few years they have borrowed from relatives and used every creative financing trick in order to buy their first home while rates are low. This has left many landlords wringing their hands over empty apartments and rental homes. The predictable result was a lowering of the price of rental housing. Now that home sales have slowed, rental housing is filling up again, and landlords are cautiously making long overdue adjustments to rent.

Actually, inflation is not caused by any industry or market raising its prices. Inflation is a growth of the money supply caused by increased lending. The symptom of inflation is increased prices as too many dollars chase too few goods. The Federal Reserve controls the amount of currency in circulation by raising and lowering interest rates. When interest rates are low, business and consumer demand for loans increases, and banks ?create? new electronic money by making loans.

The Federal Reserve attempts to grow the money supply at a rate matched to the growth of the American economy, so that prices do not increase or decrease.

The current higher interest rates are having a damping effect on real estate sales today, but the low rates of the past are also reaching forward to affect sales today. That is because many buyers bought early to take advantage of low rates while they lasted. If home sales were the only consideration, the Fed would not have raised interest rates this far, this fast.

Real estate agents are optimistic that the current sales slump is just a temporary hiccup that will pass as the market adjusts to current conditions.

Visit http://www.realestatecrosslakeminnesota.com/ for listings of real estate agents in Cross Lake, Minnesota.

Friday, November 21, 2008

Is Now The Time To Buy A Condo

Is now the time to buy a condo?

If you plan on living in it for 2 or more years the answer is yes! After a big condo boom in Tampa, Fl there are now 1,256 condos, townhomes and lofts on the market according to the Tampa MLS. This is just in and around the downtown Tampa area (a 5 mile radius). Prices range from under 100K to 6.3m for a swanky Trump Tower unit with over 6,000 sq ft.

There are also New Construction and Condo Conversions that are not listed in the Multiple Listing Service (MLS). Sites like http://www.TampaBayLofts.com provide a list of condos, lofts, and townhomes. The site also offers a custom search emailed to you based on your price range, size and location.

So if you are a buyer looking for a good deal what are your options?

Consider a re-sale: Sellers are very motivated to sell and if they purchased 1 or 2 years ago you may be able to negotiate a great price. Since building costs have gone up so have new construction condos. Only owners of re-sales have the ability to sell for what they paid for the unit and guess what? They are selling for little or no profit..........even losing money just to get the financial burden off their back. A Realtor can give you information like how long a property has been on the market and how much they paid.

For instance: A 2/2 condo was listed for 214K, there were about 15 other condos in the same complex all listed for around the same price. This unit had been on the market 124 days. Can you say motivated??? My buyer asked me to find out what the owner paid and offered the exact same price. After negotiations the price was settled on at only 5K more than what they originally paid for the condo in May of 05'.

Things to watch out for when buying new:

How long does the developer have to finish building? Most new construction contracts state that the builder has 2 years to complete construction and close. All builder contracts are written by the builder so be sure to read all the fine print.

Engage a Realtor who knows new construction. Builders compensate Realtors so it won't cost the consumer to have representation. Most Realtors will know where the new projects are located and can show you any of the properties and provide comparable sales data. They can also assist in negotiating pricing and incentives. Newly constructed condos and condo conversions are listed at today's prices so it's best to view all your options before making a decision.

If a builder doesn't meet their contract quota what happens to your new dream condo? Many projects have not realized their quota within the timeframe allocated by the bank for financing. They are now ditching the project and giving back deposits. If you are buying a new condo conversion or new construction find out if they have reached their quota and if they are ready to close.

Rae Catanese Shatto is a Realtor in the Tampa Bay Area who specializes in New Construction, Lofts and Condos. She can be reached at 813-784-7744 or realtyrae@yahoo.com

Thursday, November 20, 2008

1% Realtors: How They Work

Each year, a large number of homeowners make the decision to put their home up for sale. If you are considering selling your home then you have a number of options. You can either sell your home with professional assistance or without it. If you are like most homeowners, you would prefer the professional assistance.

Making the decision to obtain assistance from a realtor is a large decision; however, it is not the only one that you will have to make. Real estate agents in the Los Angeles area are likely to charge different fees. If you are interested in making a profit from the sale of your home, you will have to find a real estate agent that has low fees. To do so you will have to do a little bit of research.

One of the many ways that homeowners find cheap realtors is by price comparison. This comparison is similar to shopping at your favorite retail store. Before deciding on a Los Angeles realtor, you should contact a number of realtors and determine how they charge for their services. Many real estate agents charge a flat fee and other charge commission based on the finial selling price of a home.

As a homeowner, you can select whichever real estate agent you choose to. However, it is important to note that many homeowners have had success working with a realtor who obtains their fees from a percentage of the final selling price of the home they listed. Many homeowners are concerned with the percentage that a realtor will take, but this percentage is preset. That means that you should be able to determine the exact percentage before doing business with a realtor.

In the Los Angeles area, it is possible to find a 1% realtor. 1% realtors are individuals who only charge a 1% commission. If you are looking to make a profit from the sale of your home, a 1% realtor may be your best bet. No matter how much your house sells for, 1% realtors will only take one percent for their fees.

Does a 1% realtor sound too good to be true? Unfortunately, there are many individuals who believe so. The truth is that 1% realtors are completely legitimate. They tend to differ from traditional real estate agents, but their benefits are still unlimited. Instead of dealing with a number of potential buyers who are unsure as to whether or not they want to buy a home, 1% realtors are able to focus their time and money elsewhere.

If you are wondering how your home will get sold without individual showings, you are not alone. Many homeowners are concerned as well. If a showing does occur it is often private or in the form of an open house. An open house enables a large group of people to view your home all at once. In addition to open houses, many realtors allow their potential buyers to privately view your home. This viewing is usually only allowed after they meet certain criteria.

If you are interested in learning more about 1% realtors, you are encouraged to contact one today. After speaking to a 1% realtor, it is likely that you will see the unlimited benefits of using their services.

Brad Horn is a writer for 1 percent realtor where you can find a great 1% Realtor in Los Angeles

Wednesday, November 19, 2008

How to Avoid Foreclosure from Happening to You

Foreclosure is a term many people may have heard of yet are unsure as to what the term means exactly. Foreclosure is something which affects homeowners who have a mortgage or lien on their home and do not own the house outright. There are a few things which homeowners should be aware of with regard to foreclosure in order to prevent this from happening to them.

What Is Foreclosure?

Foreclosure is when a lender who currently holds a mortgage on one?s home can come in and repossess the home due to a number of reasons but mainly for nonpayment of a mortgage. For those individuals whose home is less valuable than their current loan balance, they may also owe a deficiency judgment as a result thereof.

How Do Foreclosures and Deficiency Judgments Affect the Individual?

There are many ways in which foreclosures and/or deficiency judgments can affect an individual. First and foremost, when a home is foreclosed upon that individual loses their living quarters plus any money which they have already paid for the home. When one has a deficiency judgment issued against them they will find that they will owe varying sums of money in order to make up the difference between the value of the home and the outstanding loan on the home. Also, it is important to note that either one of these incidents can affect the credit of an individual and cause a blemish on their credit rating for years to come.

Ways to Prevent Foreclosure

There are a few ways in which homeowners paying mortgages can avoid foreclosure on their beloved home. The first way in which to do so is to pay the mortgage bill on time. This is the primary answer for those who ask how to avoid foreclosure. For those who have difficulty with doing so from time to time, there are other ways to prevent this from occurring.

The homeowner should always address letters from the lender which revolve around late payments. Within these letters the homeowner will find important information that tells the homeowner what to do if they are having trouble making payments. The letter will ultimately include phone numbers and names of contact individuals at the financial institution so that they can discuss their payment issues with a lender representative. It is crucial for the homeowner to speak with the lender and not bury their head in the sand to avoid it. Avoiding a problem such as nonpayment of mortgages will not make it go away and will only make it worse.

Individuals who are having trouble making mortgage payments should also be certain to stay in their homes and not abandon the property in any way. This will only hurt the individual in the long run and make foreclosure even that much more of a possibility.

Lastly, if the home is a HUD home, there are HUD counseling agencies which will aid the homeowner in preventing foreclosure issues from arising. The homeowner should contact HUD authorities to discuss ways in which to keep their home and make payments.

Possible Alternatives to Foreclosure

For those individuals who have trouble making mortgage payments on their home and fear foreclosure, it is important to know about other alternatives which may be recommended besides the dreadful foreclosure. Not all of these alternatives will apply to each and every individual but some may prove to be very handy when all is said and done. The first is called a special forbearance.

The special forbearance is something which may be arranged by the lender whereby the homeowner receives a payment schedule adjustment and may also receive a suspension of payments for a certain period of time. The representative of the lender will discuss options with the homeowner and after reviewing their situation decide if a special forbearance is warranted.

Another alternative to foreclosure is the mortgage modification. A mortgage modification is where the homeowner has the option to extend the loan period or refinance their current loan to get a lower rate and therefore have lower monthly payments. This is a wonderful option for those individuals who do not make enough each month at the moment to currently pay their mortgage.

A partial claim is another alternative for homeowners facing foreclosure to consider. The partial claim is available to those individuals who have HUD loans. With this payment alternative, the Department of Housing and Urban Development would help the homeowner bring their mortgage up to the current balance by paying the money which is overdue. This is a way to help the homeowner get out from under the mounting debt and then try to get them on the right payment schedule.

Some individuals may find that selling their home is the best bet and they can do so by way of a pre-foreclosure sale. This allows the individual to sell their home for an amount less than the total mortgage amount due prior to having it sold via foreclosure sale.

Lastly, one may be able to submit a deed in lieu of foreclosure. Although this still will not prevent the homeowner from losing their house, it will help them in the long run by not having a foreclosure on their credit history.

Summary

Foreclosure is a serious matter for homeowners to face. However, it is important to know that there are ways to prevent foreclosure and alternatives to foreclosure do exist should such a thing be necessary in the end.

Information about Foreclosures in California and other states including tax liens and tax deeds. The Bay area is considered a beautiful and interesting area to live as well as to visit. If you're looking to start your search for Bay Area Real Estate please visit my website

Tuesday, November 18, 2008

Tips to Buy Your Dream House

Buying a house is not a child's play even if you have money. You have to pass through hell and heaven before there is a satisfactory deal. It is easier to do business than to buy a house according to your requirement. A common man doesn't even know where to buy a house, from whom to buy or how to arrange extra funds. Here are some valuable tips to make your way somewhat smooth:

1. Understand the Truth

Before you decide to buy a house it is essential that you know the bitter truth. The whole procedure is actual extremely cumbersome and going to give you many sleepless nights. I wish you get one of those few lucky ones who land in a fine deal due to the blessing of God. But, in reality, don't expect it and be ready to face the acid test of your stamina. You definitely have to spare time to explore the sources.

2. Talk to Friends and Relatives

The best way to smoothen your way is to talk friends and relatives opening your heart about your requirements. Many persons want to hide everything till they get the final deal and give a surprise to others. Practically of the deal demands to be on the ground firmly. If your heart is against still go to the homes of your friends and relatives and extract maximum knowledge from them regarding every aspect of properly buying. It will certainly help you a lot.

3. Meet Some Property Brokers to Gain Knowledge

They are an important source to know the ins and outs of the properties. Yes, they are all sugar when you are at their office for a deal and they may hook you for their profits. The best method is to talk to half a dozen property brokers in the beginning just to have knowledge. Take a pledge that you will just talk and gain knowledge without finalising any deal even if it is good. The strategy will help you to gain composure and hit a good deal at the right time.

4. Pick up Newspapers

Open property columns of newspapers and look for the options. Pick up your phone and call to get first-hand knowledge from various dealers of different localities. You will know about the rates and the types of property available in a particular area.

5. What do the Banks Say

Visit some banks to know about their terms of sanctioning a property loan. Don't go after their sweet sales talks. Just get knowledge about their procedures and their requirements -

a) rate of interest

b) filing charges

c) hidden costs

d) down payment

e) monthly installments

f) requirements

g) penalties, etc.

Remember, most of the banks just show you the chocolates they have to offer not the bitter pills they throw on you later. So be cautious know as much as you can.

6. Need of a Bank

You may be having some hard-earned money to invest in property. Never use all of it in a property deal. Take loan from a bank or financial institution. Property loan rates of banks are often low therefore do take a loan and invest the excess money you have in shares or business. As banks also verify the property before sanctioning loan-amount it will be helpful to get a safe property. After loan agreement with a bank you will know how much should be spent to buy your dream house.

7. Other Sources

If you want to save interest then be free from your hesitation and borrow as much interest-free money as you can from your friends and relatives. Once my friend Dr. Raman needed one million and he arranged half the amount from friends and the remaining from a bank. He saved many thousands on interests and invested that in shares. Shrewd way to double your earning.

8. How to Verify the Papers

When you take loan from a bank it will verify the property papers. Still you must take the help of experienced friends or an advocate to verify the papers. What is to be verified?

a) the papers are original

b) the property is registered

c) all the bills (water, electricity, house-tax, cable, telephone etc.) must be paid. Even if the owner didn't pay a paltry amount of a telephone bill you will have difficulty in getting new telephone connection.

d) property is not under any dispute

e) the present owner has no criminal record

9. Say Someone to Accompany You

It is better to ask an experienced friend or relative to always accompany you so that you don't make a mistake. The person may also suggest you some good localities.

10. Is It Necessary to Visit a Police Station?

Check with the nearest police station that the property you are buying is not having any dispute and the owner has no criminal record.

11. What is the Actual Price

Ask from several property brokers, acquaintances in the area about the rate of the property. Also ask the persons residing nearby. You may get some helpful tips from them.

12. Bargaining

Keep a large bundle of notes with you to show the owner at bargaining table. It will lure the owner more when you highlight a few negative points of the property. Try to convince the owner that you are giving more than necessary. If you know that the actual price of a property is ten million start bargaining from 8 and try your best to finalise the deal at 9 million.

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Biophilic Design Shy Relation of Green Building

Green building is more than just a trend. An often overlooked part of Green building is what is called Biophilic design. The goal of this sub-genre is to bring the outdoors into interior living spaces, either residential or commercial. The introduction and interaction with natural elements for aesthetic and health purposes is beginning to receive wider acceptance as indoor air pollution becomes a growing concern for urban dwellers and suburban ones who live in air-tight energy efficient homes.

Biophilic design injects real or simulated natural components into living and working spaces to promote emotional and physical wellness. Morning sun exposure, water features, natural vistas through window-walls, sky-ceilings, and greenhouse rooms where plants dominate and restore air quality while providing an indoor forest refuge are some common applications of this recent design extension. Biophilic design is based more in a emotional or Zen-like perspective than save-natural-resources Green building. Understanding that nature and natural settings allow humans to relax and is part of our DNA, professors at major universities study ecology and it's effect on our home environments as well as dispositions.

Here are some tips to get a start on Biophilic design in your home.

-Find a room that faces good morning sun and install floor-to-ceiling windows to receive a daily dose of high-powered natural light. Studies show that hospital patients who receive morning sunshine need almost a quarter less pain medication that those with north facing windows.

-Install a sky ceiling in a family or living room. These new ceiling systems mimic full-spectrum light emitted from mid-day skies.

-Place a waterfall or pond with fountain in side a favorite room. Flowing or spraying water adds a relaxing sound to your environment and helps screen out exterior noise pollution.

-Build a green house room with many indoor and outdoor plants, more the better. Put a comfortable chair to use for reading or relaxing in your home garden.

-Use window-walls to allow outdoor vistas in. I have seen homes that installed large glass areas in a well-used room. The increase in natural light and the ability to see from the ground to the sky is welcomed especially in the dark days of winter.

Mark Nash is the author of Fundamentals of Marketing for the Real Estate Professional, Starting & Succeeding in Real Estate, Reaching Out: The Financial Power of Niche Marketing, and 1001 Tips for Buying and Selling a Home. Mark is a contributing writer for: Realtor (R) Magazine Online, Broker Agent News, Real Estate Executive Magazine, Principal Broker, and Realty Times. He contributes residential real estate analysis to Business Week, CBS The Early Show, CNN, HGTVpro.com, The New York Times, and USA Today. View his books at http://www.1001RealEstateTips.com