3 Secret Real Estate Money Saving Tips for Down Payments and Closing Costs

That’s the one thing many first-time home buyers stress on the most: the money. “Will we have enough for a down payment? “What about taxes?” “How will we cover closing costs?” You can watch the stress bleed out of their pores and cause hernias without lifting a single piece of furniture during move-in day. And the sad fact is this — they really should be stressed, because the real estate market is cutthroat. It’s deadly. It’s wicked.

But We Have the Secret Tools, the Hidden Resources, the True Real Estate Money-Saving Tips You’ll Need to Actually Make It Easy

And it’s not like a lot of these tips we have are often advertised all over the Google search engine either. real estate money-saving tips-1Sometimes you might even find your real estate attorney, broker or agent might neglect to mention any of these, not for lack of thinking about it, but because they don’t know you need the help. It’s all about communication.

So this is us communicating with you. You have options. You have possibilities to get into that home with zero down, potentially. You have the ability to work on getting into that RTO home, collaborating with the landlord, and then exercising your lease option-to-buy like a champ. All you need to do is take advantage of these three real estate money saving tips:

  • Don’t Be Afraid to Ask Your Lender About the Mysterious “203(k)” — What’s the “203(k)”? You’ll find out right here.
  • Cash Gifts Count for That Down Payment — Yes, your income factors into that down payment, but here’s the thing….
  • Cash Gifts Also Count for Your Closing Costs! — We know it sounds too good to be true, but who knows: you can ask your lender, and you might get lucky. Just how much could you save? Click here to find out.

And that’s just the start….

Real Estate Money Saving Tips at Its Best

You have to remember that the real estate market is only as healthy as the people who are willing to take the chance and buy those properties out there. Developments rise up; but they’re useless unless someone’s willing to move in.

So investigate. Research. Learn. There’s a lot of help out there, and with our market continuing to grow, these real estate money saving tips will only just be the beginning. CLICK HERE TO LEARN MORE ABOUT DOWN PAYMENT AVERAGES IN OUR COUNTRY.

The Rise of the Live Video Feed for the Real Estate Market

When you think about it, it makes perfect sense: people want to actually see the properties in real time. So why not live video feeds? Until recently this past year, two innovative apps — Periscope, and Meerkat — saw the gargantuan launch of the new technology hit cyberspace like a ton of bricks with promise, and the real estate market’s left with a new creative resource for all home buyers, home sellers, home renters and home investors alike, something that even the BBB A-rated HOPE Program would endorse fully as any learning advantage to any real estate market guru, aficionado and active player in the game, right?

But Here’s the Thing: Which App is Better for the Real Estate Market?

Tough call, especially since we’re only beginning to grasp the technology. The point of Periscope and Meerkat is the fact that social media selling homes turns more instant than it already is, as sweet as it is for the home selling industry, synchronized with cyberspace and linking with those prospects immediately.

Don’t get us wrong, though: YouTube’s still a major game player in the biz, and Facebook rules the lead generation airwaves without a problem. But when you’ve got the likes of Twitter spreading the visibility and word of open houses, showings, and all of that for the real estate market as well as Pinterest and even Instagram, let’s just make this one thing clear — it dovetails quite nicely with live video feed services like Periscope and Meerkat. A nice complement. An enhancement, if you will. Which one, however, is the better investment?

Up, Periscope, and Let’s See What We Can Seereal estate market Periscope

You can check out a basic review of the benefit that is the Twitter-owned app Periscope right here, but specifically, this is what you need to know about the app that could arguable take over the industry in a big way for the real estate market — Periscope has a ton of momentum, and a following, right now. The team behind Periscope with the fan base and the marketing they’ve launched has made the app the rage, and you can actually see that on Twitter yourself. People everywhere are talking about Periscope for the real estate market in droves.

This is largely due to the seamless integration with Twitter — and already beefed up advantage in the real estate market all by itself — with a superior default feed viewer and rebroadcast ability. The flexibility. the ease of use. You can’t beat Periscope in that manner.

real estate market meerkatMeerkat, However, Has One Advantage Periscope Doesn’t Have

As far as we can tell, Meerkat offers one feature that Periscope currently doesn’t possess: scheduling. With Meerkat, you can schedule your broadcasts before recording, gaining viewership and enhancing the word-of-mouth advertising aspect of the real estate market. This allows for planning and implementation through social media in a big way; additionally, prospective viewers will get those notifications that a live stream will occur at a [insert time/date], maximizing chances of the stream making a bit hit in the real estate market. You get the picture? Learn more about Meerkat right here.

Still, Meerkat isn’t as seamless and intuitive as Periscope, but it does the job well regardless; so it then begs the question:

What’s the Verdict? Which One Should WE Use?

Again, tough call, but we’ve got it right here — both. Test them. Experiment with them. As with anything social media — whether it’s Facebook, LinkedIn, Pinterest, WordPress and Blogger, or anything else: immerse yourself in as many social media platforms as possible, because you’ll have Meerkat users out there, and you’ll have Periscope users as well. Why not take advantage of both platforms?

This is largely due to the fact that there currently isn’t really any market leader at this point. We can venture to say that Periscope just might have the lead, but the fact is this — there’s enough share space here for both to really play a role in this real estate market. Perhaps if Periscope updates and configures its broadcast options and continues to grow, it just might overwhelm Meerkat and leave the older application behind in the dust, but only time will tell.

Until then, reap the benefits — whether you’re considering a rent-to-own home, or investing in million dollars in real estate. Start streaming today! And you’ll benefit either way.

 

Taking Advantage of Real Estate Resources Through Pinterest

Is there any doubt that social media has a hand in real estate? No. Just ask the Facebook real estate investor or home seller, right? Visibility. Lead generation. Traffic. Nothing out there does a better job than a Google+ business page, or a website like Nationwide Property Values, or the BBB A-rated HOPE Program, that’s for sure. But who would’ve guessed this little shooter of a social media platform pinning away at some of the best resources out there for real estate would ever make a statement in the real estate market? Pinterest? Really?

Yes, Really: Pinterest Taps Into a Way of Communicating Real Estate Services and Assistance Probably Better Than Any Twitter Account

Although, don’t get me wrong: Twitter does a pretty good job in marketing a home for sale. But when Pinterest real estateyou have the ease of use, the visual, and the whole “pinning” aspect, you relate it to a bulletin board chock full of listings, services, products and innovations in just about any industry, ripe for the taking, easily searchable, serviceable, and shareable all over the Internet without anyone having trouble in finding them.

Pinterest is streamlined. It’s indexed. You can find just about anything without having to scroll endlessly through listings simply tagged by a keyword or two. Sure, WordPress rules the blogosphere — and the real estate gods know quite well that a blog writer makes a great home seller! — and Facebook’s the king of lead generation, but without a doubt the sheer power of word-of-mouth advertising at its most basic and raw can’t stand up to the test of time that is Pinterest.

After all, the real estate market’s visual. It’s in our face. We need to see those homes, plain and simple. That’s the bonus of Pinterest, in that you get those ‘pins’ with a taste of what you’re looking for, easy to find, easy to send by email, or share on Facebook — and those boards with all those pins can make it easy to get a stock load of the resources to maximize everything from home selling to home investing or even home renting!

Take a look at this Pinterest board for real estate, and you won’t have any doubts. It’s pretty clear….

You Benefit If You Take Advantage of Pinterest

Whether you’re selling a home, buying a home, or renting a home, there’s no doubt (especially since it’s free to have an account, just like the rest of social media!) — Pinterest definitely can only enrich your goals when it comes to real estate. So start pinning! Who knows — someone might notice.

Why Credit Repair Is Crucial in Real Estate

We’re sure you guys have heard about the BBB A-rated H.O.P.E. Program, right? Right. You’d have to be living on that second Earth planet NASA recently discovered in another galaxy (who knows: maybe H.O.P.E. can find rent-to-own homes there as well!) if you don’t know what H.O.P.E. to Own is. But here’s the deal: if you know H.O.P.E. to Own, you know they know they can lead you to the best credit repair services out there. That’s the major first task for a specialist there dedicated to maximizing the chances for a prospective homeowner in landing that mortgage: it’s all about the credit repair.

Well, Guess What: HOPE Now Has Its Own Credit Repair Division — credit repair galaxyIndependent Credit Solutions

Now we’re in a completely different galaxy. But that’s a good thing. No supernovas here. The fact is this: H.O.P.E. to Own’s been working with credit repair for years. 640 or bust. If that credit score isn’t where it should be, your toast. Even as a home renter, you need to take advantage of those rent payments making a dent on your credit report, so you’re prepared to approach the prospect of a home mortgage for your time to buy, because — yes, it’s true — you’ll still need to get that approval for a home loan. Even with a rent-to-own, you still need to watch your credit! Those popular rent-to-own consultants even do a service in credit enhancement and monitoring to ensure you’re all set for the time when you’re ready to exercise your lease option to buy.

So it makes sense that the HOPE Program saw the likes of Independent Credit Solutions! HOPE, itself, wrote about it with pride, too. Not that Lexington Law wasn’t ever doing their job (they’re the cream of the crop, really). But in this case, it’s all about the H.O.P.E. specialists offering up a wealth of options for their customers. Plain and simple.

That’s Honestly Why the HOPE Program Gets Their “A” Rating

Credit repair’s looking good knowing that Lexington Law and Independent Credit Solutions are now helming that factor for homeowners all on their own. We approve, and so does this site with their review of the new credit repair service. We suggest you get in on the action right now, in fact. Because you never know what the universe will reveal to you. Perhaps your dream home in another galaxy!

3 Reasons Why You Need a Rent-to-Own Consultant in the United States

This is innovation at its best, and we all know that the American real estate market needs exactly that, especially when it involves the rent-to-own inventory out there. They’re like diamonds: hard to find, and tricky to hold onto (especially when robbers chase you for them!). Moreover, U.S. rent-to-own homes largely benefit the homeowner/landlord for the most part; but if you play the cards right, you can actually work the payments as well as your official money down for the mortgage to your benefit.

How? Oh, sure — pay an arm and a leg for a realtor to advise you, or shell out a retainer for the quality attorney to represent you in such a contract agreement. That works. Thankfully, there’s an alternative:

Rent-to-Own Consultant Can Do the Job at a Low Cost

rent to own consultants screenshot rent-to-own consultantThey’re the “Rent-to-Own Consultants,” a service unlike anything you’ve probably ever seen. In line with such great United States resources like Assisting Renters and the Ultimate Rent-to-Own Home Program, the Rent-to-Own Consultants deliver in a unique way:

And That’s Not Even the Best Part….

This entire process can go for as long as five years, but here’s the beauty about having a rent-to-own consultant on your side in the United States real estate market…. This particular service will only cost you just under $50!

A one-time fee. All of that time and effort. That rent-to-own consultant will do all of the sweat equity for you — finding the home, talking to the landlord, working with you on your credit, and ensuring you successfully sign on the dotted line for home ownership.

I’ll say this: if we could actually give ratings, this one would be a straight “5,” just like how Rent-to-Own Reviews did! SIGN UP FOR YOUR OWN CONSULTANT RIGHT NOW WITH YOUR NAME, EMAIL, AND U.S. PHONE NUMBER.

Check them out at RTO Reviews for more info about what they can do for you right now.

Another ULTIMATE Rent-to-Own Home Program: Listen Up!

Not to confuse you too much, as we’ve already heard so much about this one Ultimate Rent-to-Own Home Program all over cyberspace, getting people like yourselves access to everything from a free list of rent-to-own homes, to consultations, credit repair, identity theft protection and legal assistance. But did you know that there’s yet another ultimate rent-to-own home program supported by an A-lister with the BBB (the H.O.P.E. Program) out there emphasizing the consultation side? Pretty sweet.

And for Good Reason: This Ultimate Rent-to-Own Home Program Is All About the Negotiations. Education. Instruction.

Check out RenttoOwnConsultants.com. The Rent-to-Own Consultants do exactly that: they mediate forrent to own listening you. The thing about rent-to-owns is that you’re often all on your own, negotiating with a rent-to-own landlord — who may be nothing more than another homeowner knowing absolutely nothing about contractual law and real estate guidelines — to set up the most equitable deal.

In all honesty, that’s largely why some people might even frown on rent-to-own agreements. The purpose of a rent-to-own is to benefit the home seller, in all honesty, going for a larger rent payment in exchange for handing over the title when the time comes for the tenant to purchase the property and become the new homeowner.

People don’t understand, though, that this does, in fact, benefit the prospective home renter as well. It’s convenient. Flexible. Something the Ultimate Rent-to-Own Home Program supports tremendously. The lease option to purchase gives the occupant a lot of wiggle room to determine whether or not he or she will stick around in time for the rent payments to accumulate, resulting in a lower down payment to purchase the property. Of course, when the rent-to-own agreement is about to be drafted, both the home seller and home renter agree on a final down payment purchase price dependent on the amount of rent above the monthly market value, plus the mortgage payment after closing costs over what’s left on the total price.

Sounds like a lot of work? That’s because it is. And that’s where the Rent-to-Own Consultants come in.

More Help Always Helps, Doesn’t It?

The Ultimate Rent-to-Own Home Program — the real one at least — will take you really far as it is. If you don’t believe me, check out review after review after review yourself! But just in case you want a little more assistance, though, these additional consultants can do the job better than anybody else. Give it a shot. You never know: you just might get a pretty good house, credit improvement, and a low down payment, and easy mortgage payments — all because your ears were to the grindstone here at the Complete Real Estate Site. Where you learn everything you need to know.

Check them out at RTO Reviews for more info about what they can do for you right now.

Looking for a Retirement Town? Try Bangor, Maine

Getting away from a life lived in hectic disarray with kids, jobs, 401Ks and home improvements to advance the return on investment ultimately seems like the true goal of retirement, so it’s no wonder that many would look at certain cities out there catering to that demographic. What would make for the best retirement town, though, for just a place anyone can settle down in and breathe the fresh air? Think east coast. Think way up there where time slows down to a crawl. Yes, it’s a small town (and some might think that’s tried and trite), but this particular city’s so much more.

Bangor, Maine: A Unique Retirement TownBangor retirement town

The quiet’s all good for a retirement town. Don’t get me wrong. Sometimes it can drive a person stir crazy, though, hence why fellowship and good times often will retirement that much sweeter. Bangor, Maine, brings that mentality to a retirement town in great fashion, and not just because the home prices and mortgage payment medians are so low.

You’re surrounded by nature here in Bangor, Maine. If you enjoy the cold, hot chocolate and sweaters out in a log cabin, Bangor could be the ticket of a spectacular retirement town. There’s something better to enjoy, though, when it comes to this retirement town:

Try music. Music everywhere. Bangor’s actually known for their annual 3-day American Folk Festival. The best part? It’s free. This is the true benefit for retirees looking for a spot-on retirement home all because of the fixed-incomes. You can live and enjoy life without having to shell out a lot of money.

While state taxes on pensions do exist, you’ll benefit from the lack thereof regarding social security, so this might be a pretty decent go for you. Just one thing….

You Might Want to Get Used to the Snow

Maybe you like hockey, sledding and skiing? If so, more power to you. When looking for a retirement town, if you’re in the real estate market for those sorts of things, head to Bangor, Maine. And enjoy that hot chocolate while you’re at it.

Outgrowing Your Home With No Chance for Renovation: What Can You Do?

For those families or individuals considering a move “up” in the real estate market, there’s the other option: renovation. It’s convenient, it’s creative, it offers options, and you develop a sense of accomplishment as you make a house into a home. Your home. However, sometimes situations can prevent you from ever doing anything even close to a lick of a paint can and roller on just one wall in your living room.

Why You Might Just Have to Consider a Move to a New Homerenovation real estate

Your rent-to-own home through the H.O.P.E. Program might have the option; make no mistake about that (because your landlord’s laid back, of course). Here’s the thing, though: perhaps your local ordinance won’t allow a renovation, adding new square footage. If that’s the case, what other option do you have?

Your other issue just might be all about the hassle. Think of the plastic wrap, dust, paint cans, ladders, and other non-specific “hazards” associated with a renovation, and if you’re the certain type of homeowner who doesn’t want to deal with all that — as well as shell out the costs from your valuable home equity loan — might want to consider a major move into a larger dwelling.

There’s the issue, too, of over-improving for your area. In the long run, if you’re maximizing sweat equity for your home, adding too much might be a disadvantage to you. Look at the comparables, for one thing — look around your neighborhood. You just might find that a renovation might put your home above the market, hence whenever the time’s right for you to sell and make some profit from all your investment, you could stand the chance of your home sitting there collecting dust while buyers pass you by. Might not be something you want to face!

A Renovation Might Not Be the Best Course of Action, But….

Every homeowner’s situation is different. You might be happy with your tiny Maine house. Who knows. That renovation might be the best idea, as long as your ordinance allows it. If not, though, pack up your stuff!

Building Your Home Equity and Improving Your Income

Who knew that simply living in your home would actually build something called home equity? That’s a good thing, by the way. What is “home equity” on your zero-down home from the H.O.P.E. Program, for instance?

Simply Put, Your “Home Equity” Is the Combined-Amount Market Value of Your Home Based on All the Interest You Invested in It

That could easily include anything from renovations to countless mortgage payments over time. So it’s true: you literally could increase the value of your home — simply by living in it, generally speaking.

You can’t ever know what your home’s value is, though, just by lying on your bed eating some Doritos,real estate Doritos though. You have to call your lender and get the figures from him/her. This isn’t an etched-in-stone situation either, as home equity largely does depend on the market itself around your neighborhood. If your real estate market’s hitting it big in your area, you might see that your property’s appreciating much more, increasing the home equity — or the real property value — a lot more substantially than you would think. Hence you might actually get approved for something called a “home equity loan.”

Since you put so much money already into the home — either through your mortgage payments or renovations — there’s some investment paid off to you in the long run in the event you want to sell the home and move out. Gives you a bit of a cushion and makes it a lot easier to answer any questions you may have about the possibility of upgrading to a new dwelling.

Additionally, Your Professional Life Might Also Progress

This can happen naturally. Perhaps you hit a big raise. Or a promotion. Maybe you changed jobs. Who knows. Regardless of home equity, your income somehow increased and you can actually afford a larger mortgage payment, covering all sorts of additional costs such as closing expenses and additional renovations to the new property, wherever it may be. Suddenly the prospect of moving out seems to be that much more plausible.

Things to Consider When Thinking About Moving Out of Your Current Home

You could ponder on a home equity loan with a line of credit to net you some funds for moving out. Or maybe your career has advanced so well that the idea of moving to a different home makes sense. Whatever the case, know that it’s all about finances. If you don’t have the dollars to do it, please don’t do it! If, however, you might be “rolling” in it to some degree, perhaps you can explore the possibility.

3 Questions You Should Ask as You Consider Moving “Up” in the Real Estate Market

If you’ve clicked on this, you’re probably asking the ultimate question of the universe for those individuals and families progressing toward the next step in life. Whether you’re knee-deep in the real estate market as a renter and seeking a prospect for new home ownership, or you’re currently a homeowner looking to upgrade for more square footage (more rooms, increased space, accommodating more family members), the fact is you’re at a crossroads: should you move forward? Should you move “up” in this real estate market? Yes or no? Should you contact H.O.P.E. to Own, seeing if you can get a lender’s approval for a home mortgage? (Yes)

Before You Even Ask That Question, Though, There Are Three More You Must Address….

Tricky real estate market you’ve got there…. You’re faced with a lot of planning issues, because the odd real estate highwaything about the real estate market is that it’s a lot like a 1-way highway with just one on-ramp and only a few exit ramps for the next thousand miles or so. Once you get on, you have a long time before you’re able to get off — and getting off will land you in the middle of nowhere. Not a fun place to be in the real estate market.

What I mean by that is that you can make a decision, find a better place — and realize that you’re in a much worse place than you were in before. There’s no going back. You might be caught in a money pit, shelling out dollars you don’t have to pay for repairs you don’t want, for instance. Or perhaps the relocation loses you on some amenities you once had. It’s such a risk: this question about moving “up” in the real estate market. You can be better prepared, though, if you ask (and then answer, of course) these three imperative questions:

  1. “Do I Have Good Enough Finances to Manage a Move With My Current Equity?” — Maybe, maybe not. Improving your income and home equity may be a must for the renter or homeowner seeking a move “up” in the real estate market.
  2. “Are there sufficient options out there in the market?” — The real estate market’s very much like an up-and-down wave, trends rising and falling regularly. Sometimes the supply of available homes are aplenty, and sometimes they’re not. Check and see how the real estate market looks before even considering a move.
  3. “Do I Have a Way to Renovate My Home and Add on to It?” — Who knows: you might not even need to move up at all! What happens, though, if you can’t renovate your home to increase your space? What then?

The Real Estate Market Is Tricky, Yes

You’ve got to be on point with that, and that’s just the start of it. Getting a realtor, touring homes, figuring out what your priorities are: these are all necessities, and it’s a big decision. So prepare yourself. You’ve got to start, though, at the very beginning and make sure you’re even thinking of making a move for the right reasons. If you don’t, you could be heading down the wrong highway off the on-ramp and would have to wait a few hundred miles before getting off…. Stay on the right path and SIGN UP RIGHT HERE TO REGISTER FOR YOUR NEW HOME.