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By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
    Mortgage Fraud Blog sends me an update email once per week. The Mortgage Fraud Blog website is updated every business day and you can always get the latest news by visiting www.mortgagefraudblog.com. Thank you, Rachel. Rachel Dollar is a California attorney who represents lenders in mortgage...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
  The Appraisal Is Ordered The mortgage company will order the appraisal after the buyer has been approved for the loan. The buyer has to pay for the appraisal. The smart buyer will ask the mortgage company to wait until after the home inspection to order the appraisal. This is to make sure that...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
It's time to insure that all parties have all of the contracts and the information associated with them to begin the closing of the real estate transaction. When the Offer to Purchase Contract is accepted and signed by the seller and delivered to buyer's agent, you, as the seller's agent, should...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
It's time to get serious ! The earnest money. The money deposited by a buyer, which is given to the listing agent, demonstrates the buyer's serious intentions to proceed with the purchase of the home. (ya think?) This is also a deposit which may be governed by the terms of the contract. This is ...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
This is what the contract may include: 1. The terms of the sale and the sale price 2. Any legal descriptions required to accurately portray the characteristics of the land 3. A statement including the type of deed to be delivered by the seller to the buyer 4. A statement including the type of ti...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
Once the offer has finally been accepted, and the aspirin bottle emptied, a promise is made by the offeree to become liable to the conditions and terms made by the offeror. This acceptance of the offer must be communicated to the offeror. If any aspect of the terms proposed by the offeror are re...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
There are so many things can we can talk about here, but promptly discussing the counteroffer with the buyer is where we begin. The numbers have to be reviewed in a realistic manner fairly reflecting the financial interests in the property. Reviewing the comparatives is a good thing to do at thi...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
We're not playing chess here. Most people don't like chess because they think it's boring, and so are the people who play the game. I've heard it said that the people who devote too much time to the game are insane (Bobby Fischer for instance). Chess is for people with too much time on their han...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
Well, the buyer's made the offer so it's now up to the seller to either accept the offer or counteroffer. If the seller decides to reply to the buyer's offer that's a pretty good indication that the seller knows that the buyer means business. The ball is in the seller's corner and the direction ...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
   After the buyer's agent presents the written offer to the listing agent the listing agent present the offer to the seller. How about that ?   You don't think that the listing agent would sit on the offer for a couple of days while trying to figure out a way to get the seller to refuse the offe...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
Once you've considered all the comparatives, looked at the sales numbers, put the earnest money in motion, and have it in writing, the next logical step is to take the completed, written offer to the listing agent so that the listing agent can present the written offer to the seller. We're not p...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
When the buyer makes the seller an offer they might want to include an "earnest money" deposit.  This is a little up-front money that tells the seller that the buyer is making an offer in good faith and that the buyer means business, and is being "earnest" about their intentions to purchase the ...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
   A buyer can do their own homework by looking up the recent sales of properties in the neighborhood here in Memphis. It's as easy as the click of a mouse button at this link : Neighborhood Sales Search It helps to have a real estate agent perform a comparative market analaysis to get more accur...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
Whether it's based on a house plan you put together yourself, had an architect design for you, the homebuilders new floor plan, a foreclosure or real estate owned by the bank, or just the usual deal when purchasing an existing home from a seller, the time has arrived to choose the home you want ...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
It's real important to put together a plan for viewing properties. A real estate professional is crucial when it comes to identifying the stages necessary to insure a successful viewing plan for the buyer. We can help the buyer know what they should look for and what kinds of questions that they...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
Let's look at some benefits to using a REALTOR®. There aren't a whole bunch of fees that have to be paid, and even though a buyer doesn't need a real estate agent to complete a transaction, the advantages are many. We know that the real estate agent is paid by the seller of the property when the...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
Let's look at Mortgage Pre-Approval. The pre-approval process, which may also be called Pre-Qualification, is when the mortgage professional is allowed to find out, by working with your buyer, what you they trying to purchase, what their goals are, and whether or not they're qualified to buy the...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
Your client could really either deal with a broker or a banker. It's really up to them. The local bank is usually what we would call a direct lender.  They offer their own specific loan programs established for people with average or better credit.  The local bank can offer competitive interest ...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 0
     The sellers need to know about the advantages of contacting a REALTOR®. It makes all of the differnce in the world. I guess you can say that listing a property with a REALTOR® makes it possible to sell a property with a great deal of confidence because you've got a professional (or rather, a...
By David Saks, Memphis, Tennessee
(The Real Estate Mart of Tennessee, Inc.)
Comments 4
real estate fraud: Woman Pleads Guilty to Orchestrating Estimated $1.6 Mil Fraud Scheme - 09/10/14 11:48 AM San Antonio-Area Businesswoman Pleads Guilty to Orchestrating Estimated $1.6 Million Fraud Scheme The owner and managing partner of HipDingo stores in San Antonio, Boerne and Fredericksbur...

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