Este documento ofrece consejos sobre cómo evitar prestamistas abusivos y mantener la vivienda. Advierte sobre señales de alerta como promesas de aprobación garantizada sin verificar ingresos, comisiones excesivas, costos futuros altos, y retrasos en el cierre. También proporciona recursos como agencias de crédito, organizaciones de asesoría hipotecaria, y números de teléfono para obtener más información y ayuda.
The document provides tips for preparing a home for sale and getting it sold quickly. It discusses the importance of staging the home to make a good first impression on buyers. Key tips include decluttering the home, removing personal items, keeping things clean and neutral colors. A Realtor can advise on specific staging techniques to showcase the home's best features to buyers.
This document provides warning signs of predatory lenders and resources for homeowners facing foreclosure. Some warning signs of predatory lenders include claims that are too good to be true, excessive fees, and risky adjustable rate mortgages. The document then lists counseling resources such as the HUD website and NeighborWorks America that provide assistance to homeowners in avoiding foreclosure. It concludes by warning homeowners to beware of questionable for-profit counseling companies when seeking help with their mortgage.
This document provides tips for preparing a home to sell, including staging and curb appeal improvements. It recommends fixing any repairs needed, decluttering the home, removing personal items, keeping the home clean and neutral, and following do's and don'ts for showings such as cleaning thoroughly and removing valuables. REALTORS can help advise on specific changes to make the biggest impact for each home.
Motivated sellers, low mortgage rates, and expanded home buyer tax credits make it a great time for buyers to purchase a home. A REALTOR can help buyers understand the local housing market conditions and negotiate to find the right home. Homeownership provides both financial benefits through equity building and appreciation, as well as social benefits like stability and wealth accumulation over renting. REALTORS can guide buyers through the home buying process and help them take advantage of this opportunity.
Fair housing training and procedures are essential for real estate professionals to provide equal service. This document outlines steps to establish a fair housing commitment, including developing a written policy, requiring training for all staff, designating a fair housing officer, and discussing fair housing regularly. Proper documentation and ongoing evaluation are also recommended to ensure equal treatment of all clients.
This guide provides families with ways to reduce their environmental impact and save money through green living. It suggests actions kids can take like turning off lights and electronics when not in use, using rechargeable batteries, and drinking filtered water instead of bottled water. It also recommends families adjust their thermostat, drive less, wash clothes in cold water, and eat one less burger per month which could collectively offset the pollution from a mid-sized SUV. The guide is brought to you by GREENandSAVE.com, a leading free resource for saving money, the environment, and improving health through green living.
This document provides a guide for home buyers and sellers on testing for radon and mitigating high radon levels. It recommends testing homes and fixing levels over 4 pCi/L. Radon is estimated to cause 21,000 lung cancer deaths per year but can be reduced. The guide provides information on testing types, lengths, and interpreting results to help ensure reliable testing for real estate transactions. It also gives guidance on hiring contractors to mitigate high radon levels.
Este documento ofrece consejos sobre cómo evitar prestamistas abusivos y mantener la vivienda. Advierte sobre señales de alerta como promesas de aprobación garantizada sin verificar ingresos, comisiones excesivas, costos futuros altos, y retrasos en el cierre. También proporciona recursos como agencias de crédito, organizaciones de asesoría hipotecaria, y números de teléfono para obtener más información y ayuda.
The document provides tips for preparing a home for sale and getting it sold quickly. It discusses the importance of staging the home to make a good first impression on buyers. Key tips include decluttering the home, removing personal items, keeping things clean and neutral colors. A Realtor can advise on specific staging techniques to showcase the home's best features to buyers.
This document provides warning signs of predatory lenders and resources for homeowners facing foreclosure. Some warning signs of predatory lenders include claims that are too good to be true, excessive fees, and risky adjustable rate mortgages. The document then lists counseling resources such as the HUD website and NeighborWorks America that provide assistance to homeowners in avoiding foreclosure. It concludes by warning homeowners to beware of questionable for-profit counseling companies when seeking help with their mortgage.
This document provides tips for preparing a home to sell, including staging and curb appeal improvements. It recommends fixing any repairs needed, decluttering the home, removing personal items, keeping the home clean and neutral, and following do's and don'ts for showings such as cleaning thoroughly and removing valuables. REALTORS can help advise on specific changes to make the biggest impact for each home.
Motivated sellers, low mortgage rates, and expanded home buyer tax credits make it a great time for buyers to purchase a home. A REALTOR can help buyers understand the local housing market conditions and negotiate to find the right home. Homeownership provides both financial benefits through equity building and appreciation, as well as social benefits like stability and wealth accumulation over renting. REALTORS can guide buyers through the home buying process and help them take advantage of this opportunity.
Fair housing training and procedures are essential for real estate professionals to provide equal service. This document outlines steps to establish a fair housing commitment, including developing a written policy, requiring training for all staff, designating a fair housing officer, and discussing fair housing regularly. Proper documentation and ongoing evaluation are also recommended to ensure equal treatment of all clients.
This guide provides families with ways to reduce their environmental impact and save money through green living. It suggests actions kids can take like turning off lights and electronics when not in use, using rechargeable batteries, and drinking filtered water instead of bottled water. It also recommends families adjust their thermostat, drive less, wash clothes in cold water, and eat one less burger per month which could collectively offset the pollution from a mid-sized SUV. The guide is brought to you by GREENandSAVE.com, a leading free resource for saving money, the environment, and improving health through green living.
This document provides a guide for home buyers and sellers on testing for radon and mitigating high radon levels. It recommends testing homes and fixing levels over 4 pCi/L. Radon is estimated to cause 21,000 lung cancer deaths per year but can be reduced. The guide provides information on testing types, lengths, and interpreting results to help ensure reliable testing for real estate transactions. It also gives guidance on hiring contractors to mitigate high radon levels.
The document discusses the benefits of FHA-insured mortgages for homebuyers. It explains that FHA insures mortgages offered by lenders to make affordable financing more accessible. To qualify for an FHA loan, borrowers need a valid social security number, two years of employment history, and to meet flexible credit requirements. The document outlines several FHA programs and resources to help people achieve homeownership, including adjustable rate mortgages, limited home repair loans, HUD home purchasing programs, and housing counseling services. REALTORS and FHA have partnered for over 70 years to help millions of families become homeowners.
What everyone should know about equal opportunity in housing brochure spanishCarolinas Green Homes
El documento describe las responsabilidades de los agentes inmobiliarios de ofrecer servicios equitativos sin discriminación y cumplir con las leyes de vivienda justa. También proporciona recursos para denunciar quejas de discriminación.
El documento proporciona recursos en línea para ayudar en el proceso de compra y venta de casas. También describe los beneficios de trabajar con un REALTOR® durante ambos procesos. Los REALTORS® brindan servicios valiosos como información del mercado, promoción de propiedades, negociación y guía a través del proceso de compra o venta. Contratar a un REALTOR® asegura un trato ético de acuerdo con el estricto Código de Ética de la Asociación Nacional de REALTORS®.
Este documento argumenta las ventajas financieras y emocionales de comprar una casa en lugar de alquilar. Explica que los pagos hipotecarios mensuales generalmente son más bajos que el alquiler debido a las deducciones de impuestos, y que el valor de una casa suele aumentar con el tiempo. También destaca que la propiedad de una vivienda ayuda a aumentar el patrimonio neto de las personas a lo largo de los años. El documento anima a los lectores indecisos a dar el primer paso hacia la compra de una casa.
Are you working on a home renovation, repair or painting project?Carolinas Green Homes
The document provides guidance on safely conducting renovations, repairs, or painting projects in homes built before 1978 that may involve lead-based paint. It outlines 7 steps to take which include determining if the job involves lead-based paint, setting up the work area safely with containment barriers and signage, protecting yourself with proper attire, minimizing dust, cleaning up thoroughly, properly disposing of waste, and verifying the work area is clean through a cleaning verification procedure or clearance testing. Contractors working in pre-1978 homes are required to be certified and follow lead-safe work practices under the Renovation, Repair and Painting Program Rule.
A free seminar will be held on May 18th from 5:30-6:30pm at The University Library in Charlotte, NC to teach first time and seasoned investors how to build wealth through tax deferral using 1031 exchanges. The seminar will cover types of exchanges, how exchanges work, exit strategies, and how to prepare an exchange contract and will be taught by Whitney Brennan of NCS Exchange Professionals.
This document provides tips for saving energy and money at home through proper insulation and sealing air leaks. It recommends conducting an energy audit to determine where your home loses energy and then formulating an efficiency plan. Key areas to inspect for insulation are the attic, walls, basement, crawl space, fireplace dampers, and around windows and doors for cracks. Proper levels of insulation can increase comfort while reducing heating and cooling costs. Hiring a contractor can help identify the most effective improvements.
Predatory lending involves abusive practices that exploit borrowers, often with subprime credit. Some signs of predatory loans include excessively high interest rates and fees, misleading terms, and loans that start with low payments that rapidly increase over time. To avoid predatory loans, home buyers should carefully compare loan options, ask questions about rates, fees, and long-term affordability, and work with reputable lenders and real estate agents.
This document provides guidance for homeowners on cleaning up residential mold problems and preventing future mold growth. It explains that mold grows when moisture is present, and outlines steps for properly cleaning and removing mold depending on the size of the affected area. For larger jobs, the EPA guidelines for mold remediation in buildings are recommended. Controlling moisture and fixing water issues are key to preventing mold from recurring once cleanup is complete.
Predatory lending refers to excessive lending practices that strip wealth from borrowers. Hallmarks include high fees over 5% of the loan amount and excessive prepayment penalties. It is wise for borrowers to understand loan terms like fees, prepayment penalties, and how interest rates on adjustable rate mortgages (ARMs) can change. Resources for researching lending practices and understanding mortgage options are provided.
The document provides a checklist of questions for home buyers to consider regarding the energy efficiency of a home they are interested in purchasing. It covers areas like insulation, windows, heating/cooling systems, appliances, lighting, and more. Key items include determining if energy efficiency improvements have been made, getting utility bills to review energy usage history, and checking for proper insulation, weatherization, programmable thermostats and ENERGY STAR rated appliances and systems. The inspector can also verify insulation levels, duct sealing, and that heating systems operate properly.
The document provides 5 feng shui concepts to help homes sell: 1) Pay special attention to the front door by keeping it clean and well-lit to make a good first impression. 2) Keep toilet seats down and bathroom doors closed to prevent chi energy from being flushed away. 3) Place the master bed in a position of honor and protection facing away from the entryway and paint the room in calming colors. 4) Keep the dining room table clear and use an attractive tablecloth to promote family togetherness. 5) Get windows professionally cleaned so they sparkle and optimize the view.
Home Affordable Foreclosure Alternatives Program (HAFA)
To help homeowners who are unable to keep their homes under the Home Affordable Modification Program, the HAFA program may make a short sale or a deed-in-lieu of foreclosure a viable option to help them avoid foreclosure
The document discusses the benefits of FHA-insured mortgages for homebuyers. It explains that FHA insures mortgages offered by lenders to make affordable financing more accessible. To qualify for an FHA loan, borrowers need a valid social security number, two years of employment history, and to meet flexible credit requirements. The document outlines several FHA programs and resources to help people achieve homeownership, including adjustable rate mortgages, limited home repair loans, HUD home purchasing programs, and housing counseling services. REALTORS and FHA have partnered for over 70 years to help millions of families become homeowners.
What everyone should know about equal opportunity in housing brochure spanishCarolinas Green Homes
El documento describe las responsabilidades de los agentes inmobiliarios de ofrecer servicios equitativos sin discriminación y cumplir con las leyes de vivienda justa. También proporciona recursos para denunciar quejas de discriminación.
El documento proporciona recursos en línea para ayudar en el proceso de compra y venta de casas. También describe los beneficios de trabajar con un REALTOR® durante ambos procesos. Los REALTORS® brindan servicios valiosos como información del mercado, promoción de propiedades, negociación y guía a través del proceso de compra o venta. Contratar a un REALTOR® asegura un trato ético de acuerdo con el estricto Código de Ética de la Asociación Nacional de REALTORS®.
Este documento argumenta las ventajas financieras y emocionales de comprar una casa en lugar de alquilar. Explica que los pagos hipotecarios mensuales generalmente son más bajos que el alquiler debido a las deducciones de impuestos, y que el valor de una casa suele aumentar con el tiempo. También destaca que la propiedad de una vivienda ayuda a aumentar el patrimonio neto de las personas a lo largo de los años. El documento anima a los lectores indecisos a dar el primer paso hacia la compra de una casa.
Are you working on a home renovation, repair or painting project?Carolinas Green Homes
The document provides guidance on safely conducting renovations, repairs, or painting projects in homes built before 1978 that may involve lead-based paint. It outlines 7 steps to take which include determining if the job involves lead-based paint, setting up the work area safely with containment barriers and signage, protecting yourself with proper attire, minimizing dust, cleaning up thoroughly, properly disposing of waste, and verifying the work area is clean through a cleaning verification procedure or clearance testing. Contractors working in pre-1978 homes are required to be certified and follow lead-safe work practices under the Renovation, Repair and Painting Program Rule.
A free seminar will be held on May 18th from 5:30-6:30pm at The University Library in Charlotte, NC to teach first time and seasoned investors how to build wealth through tax deferral using 1031 exchanges. The seminar will cover types of exchanges, how exchanges work, exit strategies, and how to prepare an exchange contract and will be taught by Whitney Brennan of NCS Exchange Professionals.
This document provides tips for saving energy and money at home through proper insulation and sealing air leaks. It recommends conducting an energy audit to determine where your home loses energy and then formulating an efficiency plan. Key areas to inspect for insulation are the attic, walls, basement, crawl space, fireplace dampers, and around windows and doors for cracks. Proper levels of insulation can increase comfort while reducing heating and cooling costs. Hiring a contractor can help identify the most effective improvements.
Predatory lending involves abusive practices that exploit borrowers, often with subprime credit. Some signs of predatory loans include excessively high interest rates and fees, misleading terms, and loans that start with low payments that rapidly increase over time. To avoid predatory loans, home buyers should carefully compare loan options, ask questions about rates, fees, and long-term affordability, and work with reputable lenders and real estate agents.
This document provides guidance for homeowners on cleaning up residential mold problems and preventing future mold growth. It explains that mold grows when moisture is present, and outlines steps for properly cleaning and removing mold depending on the size of the affected area. For larger jobs, the EPA guidelines for mold remediation in buildings are recommended. Controlling moisture and fixing water issues are key to preventing mold from recurring once cleanup is complete.
Predatory lending refers to excessive lending practices that strip wealth from borrowers. Hallmarks include high fees over 5% of the loan amount and excessive prepayment penalties. It is wise for borrowers to understand loan terms like fees, prepayment penalties, and how interest rates on adjustable rate mortgages (ARMs) can change. Resources for researching lending practices and understanding mortgage options are provided.
The document provides a checklist of questions for home buyers to consider regarding the energy efficiency of a home they are interested in purchasing. It covers areas like insulation, windows, heating/cooling systems, appliances, lighting, and more. Key items include determining if energy efficiency improvements have been made, getting utility bills to review energy usage history, and checking for proper insulation, weatherization, programmable thermostats and ENERGY STAR rated appliances and systems. The inspector can also verify insulation levels, duct sealing, and that heating systems operate properly.
The document provides 5 feng shui concepts to help homes sell: 1) Pay special attention to the front door by keeping it clean and well-lit to make a good first impression. 2) Keep toilet seats down and bathroom doors closed to prevent chi energy from being flushed away. 3) Place the master bed in a position of honor and protection facing away from the entryway and paint the room in calming colors. 4) Keep the dining room table clear and use an attractive tablecloth to promote family togetherness. 5) Get windows professionally cleaned so they sparkle and optimize the view.
Home Affordable Foreclosure Alternatives Program (HAFA)
To help homeowners who are unable to keep their homes under the Home Affordable Modification Program, the HAFA program may make a short sale or a deed-in-lieu of foreclosure a viable option to help them avoid foreclosure
1. Just in case you missed it The Charlotte Regional Realtor Association's Housing Opportunity Foundation
has launched www.CarolinaHomePrograms.com. This useful site is FREE to consumers and provides an
assortment of information regardless of where you are in the housing ownership spectrum, even if you
are experiencing a loan default there is information to help you.
The site hosts information for financial resource information for Mecklenburg County and the
surrounding areas of Anson, Cabarrus, Gaston, Iredell and Union counties. One site has it all,
www.CarolinaHomePrograms.com
Utilizing the home buying process tab you will be guided step by step to get you on your way, whether
it’s determining if you are ready to become a homeowner, the loan process to defining terms you will
find along the way. By indicating your personal and specific criteria you will be able to search for
programs which may be offered on a Federal, State or Local level. By answering a few questions you’ll
be on your way to homeownership. There is even information on the site about consumer issues and
education which can help you with credit concerns and healthy home concerns.
And you will even be able to find me, your Certified Workforce Housing Specialist.
Realtor Sherrell Smith for Carolinas Green Homes
888-666-4326