16 Tips to Keep You Moving Forward With the Home Downsizing Process

Our last article included 11 Tips to help you get started with the Home Downsizing process. Whereas that article focused more upon how you can „Get Started“, this article takes you to the next step and provides you with 16 tips and strategies designed to „Keep You Moving Forward“ after you have started the Home Downsizing process.

Know Values Before You Begin Dumping. „Do Not“, I repeat, „Do Not“, begin dumping anything before having someone look at it for potential value. All too often things that you perceive as having value turn out to be valueless, while things that you perceive to have little value end up having considerable worth.

Have a Professional Help You With Values: Before tossing anything out you would be wise to hire someone who is knowledgeable in Personal Property values to provide you with valuations prior to beginning the dumping process. A Professional In-Home Personal Property Walk-Through Valuation is usually a good place to start for most individuals. A USPAP Appraisal will be more precise and detailed, but will cost significantly more because of the time involved in its preparation. The up-front cost of either should seem quite reasonable when compared to the potential loss if you throw the wrong things away.

What You Paid Has No Bearing On Today’s Value: We’ll cover this concept in greater depth in a later article, but at this point you must understand that what you paid for something has absolutely no bearing…none…on what it will bring in today’s market.

Start Early In The Process: Whatever you do, don’t wait until the last minute to get started. Start early, work in smaller blocks of time, and the job will go much easier.

Start With A Small Room: Start by selecting a small room to begin with. Once that smaller room has been successfully completed, it will be easier to move on to a more complex room.

Start With A Room That Has Less Sentimental Attachment: A bathroom, closet, or kitchen may be a good place to start. The most important thing is to start somewhere, and then build momentum towards larger projects.

Start With Larger Objects: It’s often easier to start by eliminating larger items, such as furniture. The logic here is that you can begin to feel as if you are making progress after only making a few decisions.

Start With A Portion Of The House That You Don’t Currently Use Much: A grown child’s empty bedroom is often a good place to start.

Start With Personal Papers and Family Photographs: This won’t gain you that much space, but it can be fun, and is a logical step in starting the downsizing process.

Work In Limited Blocks Of Time: The process can be very tiring and emotionally draining. Limit yourself to only a few hours at a time, at least in the beginning. Then, if you are feeling up to it, you can work in extended periods of time.

Stick With A Specific Project Until Done: Once started, do your best to complete a specific project, especially smaller projects. For example, if your start cleaning out a closet, finish that project before moving on to another project. However, recognize that larger projects, such as a basement or attic, will most likely not be completed in a single session.

Anticipate The Weather: Plan ahead, keeping the weather in mind. You don’t want to work in the attic on a scorching July day, and you don’t want to be working in the garage or outbuildings in sub-freezing weather. Use the weather to your advantage.

Give Yourself Ample Lighting: Little will get done if you can’t see what you are doing. If the room you are working in isn’t bright enough, bring in some temporary lighting to brighten up the workspace.

Give Yourself Ample Workspace: You can’t sort much into piles or sorting categories on a single, rickety folding card table. Try to provide yourself with one or more solid 3′ x 8′ folding tables. Today’s tables have light, plastic tops and are much easier to move by yourself than the heavy wooden tables of previous years.

Use Heavy Duty Plastic Bags For Dumping: It doesn’t matter whether you buy them at the supermarket, home improvement store, or dollar store, be sure that you use heavy duty plastic bags for packing old clothes and linens, or dumping unwanted smalls into the weekly trash. Nothing is more frustrating than having a lighter-duty plastic bag break after you have spent considerable time packing it.

Homes With More Space Can Sell Better: Selling off your Personal Property can make you even more money when you sell your current home. Clutter tends to make a house look small. By downsizing before you put your house on the market, you can make your house look even bigger than it really is, thereby increasing its salability. We know of one situation where the Real Estate agent felt that a house brought $30,000-$40,000 more than it would have brought had the home downsizing not occurred.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Michael Ivankovich

Mattress Shopping Tips to Help You Buy the Perfect Bed

Some shoppers enter a furniture or mattress store with a limited knowledge of what they need. Similar to car shopping, this is an unfortunate moment – often, the shopper doesn’t get the right mattress or the right price.

But whether you’re buying a car or a bed, it’s essential to arm yourself with the knowledge you need to make the right choices. The following mattress shopping tips can help you leave the store with the best mattress, at the best price!

Understanding Your Needs

If you wanted a sedan, why would you look at SUVs and sports cars? The same idea holds true when you go mattress shopping, which is why it’s critical for you to narrow down your selection a bit:

  • Sizes: What mattress size(s) do you need? Whether it’s for a specific space or not, you should have an idea if you’re looking for a twin, queen, king, or some other mattress size. Measure in advance to know what will and won’t fit!
  • Types: Don’t worry too much about knowing the details of every mattress type. You may have preferences based on your experience, or you could really enjoy the benefits of a certain mattress type – such as motion absorption on memory foam and high-quality innerspring models.
  • Top Brands: Look around at the brands you’ll be dealing with when you go shopping. What brands are you comfortable with? Which ones offer good warranties?

Getting the Best Price

This is where things get interesting. Getting your dream mattress at the right time could be the difference in saving $100, $500, or even more!

There are some inside mattress shopping tips to stretch your dollar to the max:

  • Check the Sales: Retailers like Sleep Outfitters have mattresses on sale regularly. You can keep track of these great sales by checking in periodically, and even watching social media networks like Facebook and Twitter for retailers you trust. You have to strike when the iron’s hot!
  • The Bottom Line: As an extension of a sale, you should look at what you will be getting at the end of the transaction. Many sales will include a free box spring or another incentive, which will lower the overall cost of a new bed – remember that a bed is a frame, box spring, and a mattress (in most cases)! Who doesn’t love low-priced or free box springs, pillows, and more!
  • Peace of Mind: What about financing? What if you find a better price or don’t love your mattress? Top retailers like Sleep Outfitters, once again, will offer flexibility and price/comfort promises to give you peace of mind and a great deal.

Taking It to the Store

What’s left? You must take your knowledge and savvy mattress shopping tips to the store to get your dream mattress!

The most critical thing you can do is experience different mattresses. Like trying out the handling, power, and suspension of a car, you should be looking to test out different mattresses to see what you like best.

Pay attention to the mattresses‘ firmness, support, and overall feel. What feels best for your sleeping position(s) and your partner, if applicable? What mattress materials do you enjoy – a polyester and cotton blend or silk and cashmere?

Let the staff help you find what’s right for your needs. Once you put it all together, you will be able to get the best price on a mattress that you’ll love for years. Take it one step at a time to make the right choice for your next dream bed!

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Karrie Knopf

How To Effectively Sell Your Property Fast

Thriving economy enables people to make investments. The real estate industry offers numerous opportunities to individuals in terms of profits. Houses and properties have become one of the most lucrative options from selling, renting, leasing or even investing. Venturing in this industry however, requires sufficient knowledge. Otherwise, no one will be interested in buying your property.

In some countries, the increase in property supply slows down market activity. Data proves that more people prefer to rent than to buy houses. As the seller, this may be a challenge. You need to find ways on how to effectively sell your property and compete with the oversupply of property in the market. Below are some tips to help you make better decisions and plans.

Improve the condition of your house. While this property is aesthetically attached to you, note that your house design may not suit the taste or preference of your prospective client. In order to attract buyers, check home fixtures, designs and other elements that need to be improved.

Know the effective ways of advertising your house. Whether you choose local newspapers or online advertising, determine how prospective buyers will reply to your ads. Be ready to invest time and money on this.

Set the right price. Make a wise decision with regard to how much you are going to sell your property. More often, people add value to personal attachment. This however is a wrong move as buyers will not understand your sentiments. It is better to note the money you have spent in home improvement or house maintenance.

Visit auctions to learn some selling tips. This perhaps is the simplest and easiest way to grow your knowledge on real estate. Observe some tricks and methods on how to persuade buyers. Visiting auctions can also help you assess the house more efficiently, which you can use to your advantage in case that you decide to sell or perhaps buy a house.

Find online realtors. Websites of online realtors are great resource to know more on how to invest in real estate. Some realtors can also elaborate real estate definitions and terms to get rid of misperception. You can easily find a good resource as many companies are using the internet. You may even read comments and feedback from home buyers.

Seek help from agents. Whether you are buying or selling, hiring agents to help you have a lot of advantages. Get professional tips and insights from these people as they are more knowledgeable about the real estate industry. You can gain much information from them. With the right real estate agent, your selling transaction will go smoothly.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Zoraida Conway

Creating A Real Estate Portal

That means that creating your real estate portal correctly is important if you want to succeed. Fortunately, using the right software package can make that a lot easier, no matter what your specialty may be. Read on to find out more about what a properly designed real estate portal can do for you.

It doesn’t matter what sort of properties you rent or sell. From Orlando luxury villas to romantic Swiss chalets, there’s no type of real estate that can’t be improved using the right software. Use custom designed property rental software packages to help you market your business online while managing important details. The right software provider will be happy to work with you to find the right solution, no matter where in the world you might be based.

A good software provider should be able to give you an easy, simple to use portal that’s useful for managing your marketing and sales, whether domestic or overseas. Look for a system that will allow owners and site administrators to manage developments, images, listings, special offers and more, so you’ll be able to focus on attracting visitors to your site and making sales.

The ability to include helpful information, such as tips and articles, that can be of assistance to your visitors, is a real plus. It helps draw in more visitors and link referrals, meaning your site will see more traffic. When potential buyers come to your website, you should have more to offer than just your listings and basic information about buying and selling. Be sure to include other attractive information that’ll keep visitors coming back, even if they’re not ready to buy right away. A good real estate portal will contain everything you’ll need to be a property magnet online.

Features that should be included in any real estate portal you create include the ability to search for properties, and a library of images of the properties listed. Try to make sure you have multiple images for each listing, if possible. Customers tend to be visually oriented, and photos can help them feel like they know what they’re getting into when they rent or buy. The ability to create featured listings is a must-have. That way, you can showcase the properties you really want to have seen by potential customers. These great listings could easily get lost in the shuffle without the ability to feature them.

Grouping by community, location, and other features is also important. You and your visitors should be able to easily sort listings by price, size, location, type, and more. This prevents the need to wade through a sea of irrelevant properties while looking for the right one. A good content management system on the real estate professionals end allows you to manage all data about every property you deal with from one central point. There’s no more switching between programs or having to get back to the correct computer. In a well-designed real estate portal, this is all integrated into the site.

Having the right web presence, when it comes to the real estate business, is a way to help your business expand. In the future, it’s likely to be mandatory, as more and more people get online. Get started early with a high quality, custom built portal that’s right for your business. Adding the right tools to your site can help you bring it to its maximum potential, and make your name into a brand in and of itself.

Combined with a solid, easily navigable design, the right infrastructure for your site can really make a difference in how your customers interact with your site, how often they come back, and how well you can maintain your listings and other information. Every real estate business is different, of course. That means that you can’t use the exact same site features as everyone else and expect to be successful. Instead, look for a provider who’s willing to work with you to help pick out the features that’ll be best for you.

If you’re not sure about things, don’t be afraid to ask an expert. Always think about how you’ll be using your real estate portal and how customers will interact with it before you set things up. That will keep you from forgetting something vital, or including too many options that’ll just get in the way. Ideally, your site should offer everything you and visitors need, without becoming cluttered or distracting. Make sure that important information, like your contact form, can be easily accessed from any point without digging through multiple pages.

Anyone involved in the real estate business, whether in sales or just rental properties, should have a website that works for their benefit. Putting together a real estate portal the right way will help you be successful and draw in a lot more visitors. The more visitors you have, the more people you’ll end up doing business with. Use the right software package and the right features, and you’ll find that things get a lot easier, no matter what your specialty is. Talk to a few providers to day to see what your options are. You’ll be surprised by the difference a good software package and solid design can make.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Tony David Smith

Generate Real Estate Leads Easily With These Tips

Generation of real estate leads has gone digital. With different lead generation tools and some mobile marketing apps, you might feel overwhelmed. So, how can you decide which tools to add to your strategy on lead generation to attract or nurture potential prospects?

Concentrate your core strategy on the basics to real estate marketing. Methods that are tried and true are ageless and should still part of your plan even if they are dressed up for the digital consumers.


It’s absolutely worth investing in high quality professional videos to showcase yourself as a real estate agent. Buying a house is often the biggest purchase an individual will make in her or his lifetime and he or she likes to work with the one who has traits they trust like personality and authenticity. They’re also looking to see if you’re the agent they like to work with, so make sure to put your best face forward. Some agents create YouTube videos to show expertise and knowledge blended with their relatable and honest style. Videos may humanize an individual much more than the static site profile. Numerous realtors showcase the area’s beauty they specialize in on videos. Videos also bring a high ROI and have proven to be important marketing technique to generate leads.

Client Testimonials

You cannot beat a passionate, heartfelt statement from satisfied clients. Reviews and testimonials must definitely be part of your presence online. Video testimonials are a perfect so some potential sellers and buyers can resonate with that individual. If you do not have video capability, there are lots of ways to show your happy customers. Make a page on your social media or website to share testimonials and share them to bigger sites as well. Sellers and buyers will appreciate the customer’s honesty and have high probability to reach out.

Social Media

It is highly recommended to use social media. Facebook is one of the most dominant communication forms across the globe and the paid ad platforms are cost-effective way to generate some real estate leads. Use this when targeting your core demographic. Majority of marketers include Facebook strategies in marketing plans and you should also. It is a worthwhile, practical advertising investment that would pay off when generating some new leads. Although you do not spend money on the ads, you may still improve generation of leads on Facebook with the use of fresh content, engagement, and optimization.

Real Estate Lead Capture Forms

Majority of people used to look for homes for sale in a newspaper, yet now a lot of consumers start their home search over the internet. Having some forms on your site for lead generation is a good way to bring in the new business. It’s one of the best lead-generating strategies, yet never forget to ensure that your site is fresh and updated so people would keep visiting and you can boost your repeat traffic.


It can really improve your online presence and show your expertise as a real estate agent. Use this to communicate your grasp of everything related real estate consistently. Never forget to end your blog with effective call to action fill out the form for lead generation or make phone calls.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Thomas Pederson

The Pros And Cons Of Being A ClickBank Affiliate

We all know how hard it can be to generate sales with ClickBank so in this short article I am going to go over the pros and cons of ClickBank and the things to avoid when being an affiliate.

The Pros Of Being A ClickBank Affiliate

– ClickBank has been around for quite a while now and is a very long term secure company which pays out on time all the time.

– ClickBank has thousands of products to choose from.

– Most sites and services offer up to 75% commission on sales meaning you actually make more than the company each time you make a sale.

– All products are digital and there is no need to mess about with handling and shipping.

– Customers get their eBook or service instantly almost all the time.

The Cons Of Being A ClickBank Affiliate

– Not all sites are legitimate and you could potentially be promoting a scam.

– Sites may be late with paying out.

– Some sites actually charge for money back on refunds.

– Not all sites are well presented and do not convert into sales well.

– Some sites deal with a lot of refunds and customer complaints.

– Its hard to promote using a referral link because people know you are an affiliate.

As you can see from above the pros and cons are pretty much even and all it takes is a little time to research and find a product that converts well and produces happy customers.

I personally don’t promote any ClickBank products because I don’t like the idea of not having your own personal Website and you could potential invest your own money in promoting a low converting service or eBook that could actually cost you more money than what you actually make.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Paul J Strachan

Foreclosure or Short Selling, Which Is Correct For You?

Short sale is selling a house for less than what the owner still owes on the mortgage. Lenders often agree with the procedure to take a small loss and avoid the foreclosure process that is long and expensive. In the case of foreclosures, the house is repossessed by the bank due to late payments. A short sale happens in most cases, when you know you can not afford your home any longer – if payments were lost or not made.

The short selling can prove to be a win-win situation for the lender, seller and also buyer, especially when it comes to the real estate in Sacramento. Deciding on a short sale, the seller can easily get out of mortgage on the home, without filing bankruptcy which is the last option for a home owner. The buyer benefits from obtaining affordable home and a price that is below market value. The lender agrees to a short sale, because there is a high probability of suffering and the involvement lengthy procedure and huge cost in the process of foreclosure.

As a homeowner facing foreclosure, do not expect short sale to leave no marks on your credit history. But remember that a selling short affects your credit score for a short period of time and are more likely offers you to purchase a home earlier. The ratings for short sales fall only by a few hundred points, but foreclosure can result in great amount of points.

What seems the biggest difference when it comes to real estate in Sacramento between foreclosures and short selling is that a short sale allows the purchase of a new property in a short period of time, if the owner do not miss any mortgage payments, has not signed a promissory note or a deficiency of sentence did not take place.

A fairly large difference which leads to foreclosure is the view of disability and makes a selling a house short a better option. The bank acquires the property in a short sale and the homeowner is selling to a buyer who would otherwise. Contact an adviser FHA loan to see if there are any current programs in place to help you through this difficult time. Most homeowners can get financial help they need from Federal Government is such cases.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Hilda O’Neal

Foreclosure Alternatives and Common Pitfalls – The Loss Mitigation and Short Sale Disaster – A Guide

Whether you’re about to have your house sold at auction, or you’ve just missed your first payment, you still have options! In fact, even if you’re still making your payments on time, but feel that in the near future, you won’t be able to keep up, it’s time to act! As any financial expert will tell you, ‚prior planning prevents poor performance.‘ I can personally tell you, as President and C.E.O. of the leading loss mitigation company, Option Next, at our company, we believe that the only way you can possibly decide what to do, is by knowing your options…

This article will go through each of the best available options, and will explain the advantages and drawbacks of each one, along with tips on how to avoid getting scammed.

What Are Your Options?

1. Refinance – If you’re facing hardship because of the terms of your current mortgage, such as an adjustable rate mortgage which has started adjusting out of control, you may still be able to refinance into a fixed-rate loan. This option may not be available if you’re already far behind on your mortgage, or if your credit history is severely damaged. This is something that a qualified loss mitigation company can inquire about on your behalf. They should be able to give you a clear answer as to whether this is possible without charging you any fees. There are of course fees if you pursue the refinancing, but anyone who charges you a processing fee just to find out if it’s possible is looking to cash in on your misfortune…

Refinancing Advantages: No damage to your credit, you stay in your home and work out a payment you can afford.

Refinancing Disadvantages: Not available if your credit is severely damaged, only works if you owe less than the property is worth, the monthly payments will still be somewhat high, as you are refinancing your entire mortgage balance plus new closing costs.

Summary: Refinancing is most effective if your mortgage has an adjustable rate, and either has yet to adjust, or has just adjusted, and you are no more than 30 days late. If you don’t owe more than the property is worth, have reasonable credit, and would want to keep your property, refinancing is the best approach.

2. Loan Modification – If the hardship you’re facing is temporary; if you feel that you can reasonably continue to assume your current mortgage if only some adjustments were made, such as deferring your past due amount to the end of the loan or reducing the payment for the next few months, then it’s possible that a good loss mitigator can negotiate a solution with your bank. Banks do not want to foreclose on your property. They would rather take your money than your land. They are poorly equipped to manage ownership of real estate, and would rather find a way to salvage the loan. A qualified loan mitigation company may be able to work out an agreement that works for both you and your bank.

Loan Modification Advantages: No damage to your credit, you stay in your home and work out a payment you can afford.

Loan Modification Disadvantages: May not be available if your credit is severely damaged. Monthly payments will still be reasonably high as you are keeping your entire mortgage balance plus default amount. Also, loss mitigation companies generally charge a pretty hefty fee for this service, sometimes as much as $5,000 or more.

Summary: Loan Modification is most effective if your mortgage has an adjustable rate, or if you’ve fallen behind in such a way where you would normally be able to make your monthly mortgage payment, but just can’t keep up with the late fees and penalties. In most cases, it is only the late fees, penalties and interest rate that the bank would be willing to negotiate. If you don’t think that you’d be able to afford the mortgage at its current principal balance, even if the interest rate were reduced and the late charges removed, then a loan modification would not be a good option for you, and some fly-by-night loan mitigator may end up taking you for a ride.

3. Sell Your House – If the amount you owe on your property is less than or equal to the current market value of your property, you can always sell your house and pay off the mortgage in one lump sum. However, in today’s real estate market, that’s rarely the case. Most people in mortgage trouble today are faced with the problem of owing more on their property than it’s worth. If you are in a position to sell your home and pay off the mortgage in full, then you don’t need a loss mitigator and should simply contact your local Realtor…

Selling Advantages: No damage to your credit, your mortgage is paid off in full and you walk away..

Selling Disadvantages: Not an option if you owe more than the property is worth. You give up the house and lose any remaining equity to closing costs and broker commissions.

Summary: The traditional sale option is not available to most homeowners in today’s marketplace, as most owe more on their houses than they are worth in today’s market… If you are in a position where you owe less than the property is worth; If you’re willing to walk away from the property, this is a great option to preserve your credit…

4. Short-Refi – If your property is worth less than what you owe on it and you want to keep it, a short-refi may be the best solution. In a short-refi situation, the bank agrees to take less than what you owe on the property, in exchange for an immediate payoff and closing. At the same time, another bank agrees to refinance your property, at a significantly smaller amount. At this lower payoff amount, you are then able to have a mortgage you can afford. This option may not be available to you if you are severely past due on your mortgage or have severely damaged credit.

Short-Refi Advantages: Minimal damage to your credit, the entire debt is wiped away, and the banks will not go after you for the difference. There will be no foreclosure or bankruptcy on your record and a legitimate loss mitigation company should mitigate your short-refi with all fees worked into your new loan, meaning no immediate out-of-pocket expenses…

Short-Refi Disadvantages: You suffer a slight black mark on your credit, the process is lengthy and somewhat complex, and if your credit isn’t good enough to qualify you for the refinancing, this option goes out the window. A bad loss mitigator can cause a short-refi negotiation to fall apart.

Summary: Short-refis are most effective if you owe more than the property is worth, are facing financial hardship and are or will soon be unable to afford your mortgage, and you have minimal or no liquid assets and want to keep your house.

5. Short-Sell – If you’re in that ever-growing category of homeowners who owe more on their property than it’s worth, and you’d like to sell your property, a short-sale may be right for you. In a short-sale situation, the bank agrees to take less than what you owe on the property in exchange for an immediate sale and a payoff at closing. You, the homeowner, end up walking away having settled your entire mortgage for whatever the property could sell for. The banks will report this on your credit history as ‚Settled For Less Than Owed.‘ This is a negative mark on your credit score, but is nothing close to a bankruptcy or foreclosure. A short-sale, more than any other option, requires a highly competent loss mitigation company. See below for tips on how to make sure the company you pick is experienced and legitimate.

Short-Sale Advantages: Minimal damage to your credit, the entire debt is wiped away and banks will not go after you for the difference. There will be no foreclosure or bankruptcy on your record. A legitimate loss mitigation company should mitigate your short sale at no cost to you.

Short-Sale Disadvantages: You give up your house and suffer a slight black mark on your credit. The process is lengthy and somewhat complex, and a bad loss mitigator can cause it to fall apart.

Summary: Short-sales are most effective if you owe more than the property is worth, are facing financial hardship and are or will soon become unable to afford your mortgage; If you have little or no liquid assets, and are willing to sell your home.

6. Deed in Lieu of Foreclosure – This is the last resort when facing foreclosure. It means simply giving away the deed to the bank in exchange for them not pursuing a foreclosure action against you. This does significant damage to your credit score, but is still better than a foreclosure.

Deed-In-Lieu Advantages: No foreclosure on your record, and the bank will not pursue you for the remaining balance.

Deed-In-Lieu Disadvantages: You give up your house and suffer a significant black mark on your credit. It’s only available if you haven’t been able to find a buyer for over six months, and if your sale date hasn’t been set yet.

Summary: Short-sales are most effective if you owe more than the property is worth, are facing financial hardship and are or will soon become unable to afford your mortgage, and if you have little or no liquid assets.

7. Bankruptcy – This is the final alternative to foreclosure. This can be a costly process, and depending on the laws of your state may or may not be particularly helpful.

Bankruptcy Advantages: Buys you some time to come up with better options, and allows the bankruptcy trustee to act as a loss mitigator on your behalf.

Bankruptcy Disadvantages: Suffer a significant black mark on your credit. On its own, it does not provide a permanent solution, and when done properly, results in huge fees to a lawyer and a referee. The results of improper foreclosure filings are too disastrous to even discuss…

Summary: Bankruptcy is a last resort, and is often too expensive for people in financial hardship to afford. A sloppy bankruptcy filing does nothing but waste your time and money, ruin what’s left of your credit, and will often prevent you from exploring the better options most likely available to you. Never pursue a bankruptcy without speaking to a well-qualified attorney!

Who’s Your Mitigator?

A good loss mitigation company should be staffed with professional mitigators, whose sole job is to negotiate with the banks and to reach a solution that works for everyone. These experts can help you out of a terrible situation by finding a compromise that both you and the bank can live with. Keep in mind that since there is no standard certification or degree for loss mitigation, many companies claiming to be staffed by experts are really staffed by people they hired this morning. A qualified mitigator can make the difference between having your modification approved quickly, or having it drag out and foreclose.

Some signs of a low quality mitigation company? One that advertises on its website that you can become a loss mitigation specialist for them just by completing some quick certification course, or by just paying them a fee… They charge you a large fee, and give you a website and title. You then watch one of their videos and take an online test. Now you’re qualified to be responsible for people’s financial well-being. Personally, I find that outrageous! By signing up with them, you can rest assured that your file is being handled by someone with no experience, education, or office support. There are many such companies, so do your research! Be especially wary of any company that wants an upfront fee. If they’re promising a money back guarantee, offer to pay them once you’re satisfied, or at least to pay through attorney escrow. Remember, if you give away your last dime, will you really be able to pursue getting it back? If their website is based on a template and they haven’t bothered to finish building it, you should wonder if they’ll ever bring your mitigation to completion. Another bad sign is if the loss mitigation company can’t be bothered to respect your privacy. Some companies out there will list the address of your property on a publicly accessible website, where your friends and neighbors will be able to find it and see that you’re in financial distress. One company that I’m aware of claims to be a leader in short sales and yet uses this unsavory practice. Not only is this a blatant attack on your privacy, but it can result in hundreds of other companies getting your address off of their website, and then having telemarketers and door-to-door salesmen harass you every day and night… A good loss mitigation company will keep your financial situation strictly confidential, and will not turn your misfortune into bragging rights!

Some signs of a good mitigation company? Well, there could be many. Personally, I believe in education, expertise, owners and managers who are themselves experts in what they do, and not just investors looking to cash in, a website that is informative and fully functional, a web-based live tracking system which will let you see what’s going on with your file, a simple submission process and an easy to understand document packet. On top of that, quick responses to your inquiries are also quite important. At our company, all mitigations are headed by our general counsel’s office, where all documents, proposals and submissions are reviewed by a licensed and experienced attorney, not just a processor working out of his or her home… All of our mitigators have a minimum of a doctorate in law or at least 5 years of loss mitigation experience. A test question I would suggest is this: ‚Can you tell me what an order to show cause is, and how I can file one to stop my foreclosure sale?‘ Their answer should be something to the effect of ‚It’s a short-term order granted by a judge, which prevents the foreclosure sale for a very limited time, so that a more permanent solution can be worked out with the courts. You can pursue this in one of only two ways: through an attorney, or by going to court yourself as a pro-se litigant.‘ If they don’t know this answer, they are not experienced. If they tell you they can do one themselves, unless they’re a law firm in your own state, they are lying! My best tip for selecting a mitigation company? When you call, ask them to fax or e-mail you the résumé of the mitigator who would be assigned to your file. See what they respond with… Remember, you’re hiring someone to represent you in what could be the most important negotiation of your life, don’t just pick the first company to appear in Google!

No matter what your situation, you must remember that you still have options. Having experienced loss mitigators on your side, working to secure a solution that works for you, is the most valuable asset you can have. At my company, Option Next, we provide all of our potential clients with a free consultation with one of our foreclosure experts, who will discuss the various options that could work for you, and which one is best in your particular case. This is not to say that we are the only good loss mitigation company out there. I’m sure there are others. Just beware of the bad, and be careful when making your choices. If you have any further questions, feel free to send me an e-mail. I try to respond to all requests and make it a point to help direct homeowners in distress to someone capable of helping them.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Alexander Paykin, J.D.

Realtors Working With the Marketing Techniques of Today

What are some of the systems that are being used in real-estate today?

Point2 NLS is a program that offers the largest syndication network in the world. This program allows you to advertise and update listings on 30 very high rated and high traffic consumer sites and search engines in a single click of the mouse. This program allows you to reproduce your listing data and to launch a world class webpage that is easily set up and highly customizable.

What is Expired Listing Service and MLS?

Expired listing services are a service that thousands of agents are taking advantage nationwide. This service is a lead service where agents can grow their business everyday, by delivering tangible results. There are lots of agents that are closing their doors today that can not sell anything, because people are holding onto their money because of the slow and dying economy and also due to the upcoming election and possible depression.

Multiple Listing Service or (MLS) is a service of the Realtor Associations. The MLS acts as a full-service property clearinghouse to bring together buyers and sellers and provide Realtors their clients with real property information. Detailed information about thousands of properties are listed from the core service of MLS. Along with superior training and technical support, MLS provides information services to support Realtors in meeting the needs of consumers.

In conclusion a realtor must use the tools that they can get their hands on so they can stay up with the market. As a realtor they are also a marketer. A marketer must do the new stuff out on the net in order to stay competitive, or their business will also fall.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by John Fagan Jr.

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