Team Thayer Property Servicing

When buying a home, mortgage lenders tend to be very strict on whether or not they will allow you to take a loan for a mortgage as a result of the recent housing bubble and consumers defaulting on loans. If the lender that you are speaking with is asking a lot of questions, don’t panic! Usually they are trying to figure out ways to assist you in getting the best possible mortgage rate. When working with a lender, you must first educate yourself on the standards that they are going to be looking at when it comes to whether or not they will provide you with a mortgage. Mortgage lenders are chiefly concerned with your ability to repay the mortgage. To determine if you qualify for a loan, they will consider your credit history, your monthly gross income and how much cash you’ll be able to accumulate for a down payment. Once those factors have been explored and you have been approved for a loan by one of the mortgage lenders, be sure to prepare yourself for buying your dream home. Be su

I will do a complete Reconnaissance on the rsd Present you with a comprehensive market analysis of your home to establish fair market value. Provide you a free home-staging evaluation from a professional home stager (if applicable). Guide you in making the appropriate decisions on how to best prepare your home, so that you may achieve the highest sale price and sell in the quickest amount of time. Prepare and sign a Listing Contract as well as any other necessary legal documents. Take professional photos of the property. Complete the listing and enter it into  Place a Tucker sign (one of the most recognized symbols in Indiana) on the property. Place an electronic  lock box  on the property that can only be accessed by licensed agents. During the listing,  Team Thayer will…. Place a flyer box in front of the home (if applicable). Place, attractive, detailed informational packets inside the homes for touring parties. Mail “Just Listed” cards to your

1.  PAINT EVERY ROOM A DIFFERENT COLOR Before selling your home, it’s not necessary to paint every single wall white. What is important is to stick to a cohesive color scheme that is neutral and will appeal to lots of different people with different tastes. 2.  LET THE LANDSCAPING GO It may be tempting to save on the flower budget if you hope to be out of your home before the summer ends. But investing in a few flowers will make your home look inviting to potential homebuyers. Also remember to keep flower beds weeded, the grass cut, and trees and shrubs pruned. 3.  SMOKE INSIDE YOUR HOME If you are a smoker who smokes inside your home, stop as soon as you think you might want to sell! Cigarette smell is very hard to remove from a home and the sooner you stop smoking inside, the easier it’ll be. Plus, it’ll prevent you from constantly shampooing your carpets and washing down the walls while you’re showing your home. 4.  LET YOUR HOME FALL INTO DISREPAIR Homebuyers are mo

Real Estate is similar to most other industries in that your professional must be licensed in the state they are doing business, so how can your friend or family member who may be over 2,000 miles across the country help you find an ethical, trust-worthy agent to represent your best interest? The answer is easy! Ask for a referral. We all want to do 'good business'. Part of good business is trusting who those close to us have trusted in the past. Most agents take referrals very seriously. We work hard and strive to pro-actively build a strong network of agents across the country and around the globe. We know we live in a mobile society and we can't be bound to just one geographic location, but we also can't realistically be licensed and service everyone in every state.  Here at the Greenleaf-Elving Group, we dedicate several hours each week just to agent outreach and networking. When we travel, we reserve time to meet the agents and office managers in that region.

Before deciding on a price to list your home, let's debunk a few myths:   Myth:  ouY should always ask more than market value to leave room for negotiations. Courtesy of Top Producer The fact is, neither you or the buyer determine the selling price of your home. The market determines that. If you overprice, and you're fortunate enough to even get someone to consider your home for purchase, they and their agent will likely come back and offer a price based on fair market value plus or minus any special adjustments.  The idea from the start is not to scare potential buyers away by having a house priced above what the market says is fair. Myth : Pricing high will help bring in more well-qualified, affluent buyers. Courtesy of Top Producer On the contrary, it is financial nonsense to pay more than fair market value for anything. Even if the buyer is paying cash, wise buyers will always have a formal appraisal to determine the actual market value.  Think about it,

3987 Eddystone Pl Eugene, OR Excellent Deal on a 5 bed 3 Bath SHORT SALE ! Very large home in Good condition! Description Features Photos Map Calculator Walk Score Schools Contact 4Bd/3Ba Single Family House $265,000 Year Built 1996 Sq Footage 2158 sqft. Bedrooms 4 Beds Bathrooms 3 Baths Parking 4+ Garage Laundry In Unit Lot Size 8712 Square Feet Virtual Tour www.teamthayer.com Website www.teamthayer.com Description Corner lot partially backing wooded common area. Newer laminate flooring, gas fireplace, skylights, vaulted ceilings, vinyl windows, great room off kitchen, formal dining plus eating bar, tile counters, and gas range. Large deck area, auto sprinklers, shed & RV parking. click on a thumbnail to enlarge               Make an Inquiry Team Thayer 541-543-7287 Key Realty Group Inc. Email Address *

'Boomerang' Buyers Get Second Chance About 7.2 million homes have been lost to foreclosure or short sale since the housing crash began, according to housing data from Black Knight Financial Services. That has forced millions of former home owners into renting, as they work to rebuild their credit. But a government program launched last summer by the Federal Housing Administration is helping these former home owners step back into home ownership in as little as a year after a foreclosure or short sale. The  FHA’s Back to Work program  allows them to qualify for low interest rates with a minimum of a 3.5 percent down payment. Applicants must show that the main culprit behind losing their home was that they lost at least 20 percent of their household income for at least six months. They also must show they’ve worked to repair their credit for at least a year. Lenders are reporting an uptick in boomerang buyers coming in to explore financing opportunities for a home purc

Rising home prices propelled 3.5 million U.S. properties out of negative equity in one year, but the number of underwater mortgages will shrink at a slower pace in the future as price appreciation cools, according to data released today by CoreLogic and Trulia. Approximately 6.3 million properties, or 12.7 percent of all U.S. mortgaged properties, were underwater in the first quarter of 2014, according to CoreLogic. That’s down from 6.6 million homes, or 13.4 percent of all U.S. mortgaged properties, in the fourth quarter of 2013, and 9.8 million homes, or 20.2 percent of all mortgaged properties, from a year before. The rapid price appreciation that has lifted so many homeowners out from underwater has slowed recently.  Asking prices were up 8 percent in May from a year ago , the smallest bump in 13 months but still far above the historical norm, according to the latest Trulia Price Monitor. The home-price slowdown has tempered gains in “hyper-rebounding markets,” like Las Veg

As economists had expected, the  latest employment numbers from the Bureau of Labor Statistics  show that with the U.S. adding 217,000 jobs in May, the number people in the workforce has finally surpassed pre-bust levels, to a new all-time high. Unemployment is still higher than most would like — 6.3 percent by the most commonly employed measure, and higher by others. The so-called U-6 measure, which includes 7.3 million people working part-time because that’s all they can find, stood at 12.2 percent,  notes Calculated Risk blogger Bill McBride . Long term unemployment remains a key problem, McBride says — 3.374 million unemployed workers have been on the hunt for a new job for more than 26 weeks. But overall, “this was another solid employment report,” the widely followed blogger wrote. McBride says he’ll be retiring what some readers have called the “scariest jobs chart ever,” which he’s been running to show the severity of the downturn, “until the next recession.”

Real estate has so many surprises for the first time investor it is difficult to describe them all in one article although I will attempt to give some insight into a different investment opportunity today. There are in real estate what is known as real estate owned REO lists and these can provide a investor with absolutely amazing opportunities and the returns from these type of investments can be very lucrative. Just be very aware of fraudulent schemes where people offer you deals which does not exist. There are many companies who claim to sell reo lists online, but a large portion of the properties on these lists either do not exist or are in terrible shape and therefore do your homework carefully before committing yourself. Do all in your power to gain as much information as possible about the company with whom you plan to do business and find out what experiences others in the business had with these companies. Although these references may not be completely foolproof at least