When you are making one of the larger purchases in your life....having someone experienced who has taken the time to earn their ABR designation.... an accredited buyer's agent and who knows the market...who can help you know the pricing in the market...what is realistic for the dollars you have to spend based upon actual numbers. 
Choosing a price with the "Dartboard method"....is not the best course of action if you really are interested in purchasing a house. The Dartboard Method is defined as picking a price that works for your budget and the dartboard is loaded with the features of the property you wish to have..
- Number of Bedrooms
- Number of Bathrooms
- Size of the lot
- Number of Garage Spaces
- Fireplaces, Patios, decks
- Finished lower level
- Location Location Location
- Age of mechanicals
- Age of home
- Property Taxes
- Architectural Style...it MUST be a ranch, 2 story, etc.

Choosing the critieria and the price you want to pay may not be realistic....take a step back...Go talk with a reputable lender first....Find out what mortgage programs are available for you...what interest rates are currently...the current rate is not the "always rate" so know that with a fluctuation in interest, your payment will change as well. Know what the closing costs are....AND what the lender is including in closing cost numbers....ask for a written estimate of your closing costs...also called a ,....if there is any hesitation by the lender in furnishing you with that...excuse yourself and find another lender.
Choose an experienced realtor and have her/him work for you...sign a buyer agency agreement and let them do the work that relationship requires. When you find a house you want to make your home, have the agent "run the numbers" and do a market analysis.....A buyer agency relationship is NOT to tell you how much UNDER the asking price to write...it is to tell you the RIGHT PRICE based upon recent market activity. Writing too high may mean the property won't appraise and you won't get the property. Writing too low (the popular dartboard scenario) risks losing the house to a buyer who wrote realistically...AND insulting the seller(s). This is a business transaction....and the "Let's Make a Deal" dartboard method is a no win situation for everyone...you don't get the property...the seller doesn't get a sale and you have wasted your time and both agents' time.
Forget what you heard from.....Fill in the blank_______________your neighbor, sister, brother, AND THE MEDIA....trust someone who knows the market....who can show you a market analysis...who has practiced negotiating skills and has been successful.
HIRE A "BOY SCOUT REALTOR...One that follows the Motto...BE prepared with the knowledge of the market and the skills and experience to maximize your investment in real estate and represent you well.



(I am thinking...what is defective here is a realtor who thinks she is a structural engineer.)
Lots of talk these days about tea parties....and it started a thread of thought about direction...purpose....energy....and realizing how important that is to EVERYONE in every aspect of life...every person in a transaction and our chosen professions.

One of the advantages to short sale seller is that they are able to remain in their home until it closes. While there are circumstances where sellers have moved...to find another job...to move in with relatives who can provide childcare, etc. It is not a requirement that a Short Sale Seller Move out when the property is listed. You would think an appraiser would not make that assumption. So you know that if an appraiser does not understand short sales...there is still a lot of confusion on the part of the general public.












"Hello, my name is "Jack" and I was referred to you by "Jill" who is so excited about her first house that she recently purchased from you. She said you and your husband could offer me the kind of guidance I would appreciate now that I am ready to buy my first home."


The prayers continued...Mr. Buyer expressed gratitude for his two beautiful daughers, his loving wife and family and friends...for the abundance that allowed them to make this house their home...for all who were there to share this moment.

Let the Celebration Begin ! Today at 1 pm we close on a 

Short sales a wonderful, wonderful thing...it saves the homeowner from the ravages of foreclosure...it gives the patient buyer a terrific home at a below market price...for the listing agent...it is a challenging but extremely rewarding transaction....when it all comes together and you know that you helped both the buyer and the seller....and did something for the real estate market in helping to reduce the inventory and not bring down home prices further with a possible foreclosure.

