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5/17/2012
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Miami Beach Real Estate Reports
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Provided below are all our various reports covering almost every topic of home ownership.
These are mostly written by us but we have included special reports, written because of our invitation,
from leading experts in their fields. We did this in order to give you market fresh, unbiased
information from the most respected sources on the web. Consult an expert before taking any binding action.
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Covering a mere 18-square blocks?Northeast 36th to 41st street between North Miami and Northeast Second avenues?this unique and pedestrian-friendly community is just north of downtown Miami, less than ten minutes from South Beach and is rapidly becoming all the rage with artists, interior designers and fashion mavens alike. ..
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Uh Oh
The contract is in place and progressing nicely. The buyers felt it was safe to go ahead with inspections, and the results were acceptable. The closing date is on target. Everyone is waiting for the appraisal results so that a loan commitment letter can be issued. No one is too worried, because the house sold for an appropriate price, and appraisals have a magical way of coming in just where they need to be. ..
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The home buying and selling community is abuzz with talk about recent cases of severe health problems caused by stachybotrys chartarum, also known as black mold or toxic mold. ..
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There's a lot of misinformation floating around about flood insurance, about who can and cannot buy it, about its cost, and about how to apply for it. This tutorial walks you through the basics of our US flood insurance program. ..
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There are several federal laws which provide you with protection during the processing of your loan. The Equal Credit Opportunity Act ("ECOA"), the Fair Housing Act, and the Fair Credit Reporting Act ("FCRA") prohibit discrimination and provide you with the right to certain credit information.
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One of the purposes of RESPA is to help consumers become better shoppers for settlement services ..
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Title insurance is usually required by the lender to protect the lender against loss resulting from claims by others against your new home. In some states, attorneys offer title insurance as part of their services in examining title and providing a title opinion ..
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Settlement practices vary from locality to locality, and even within the same county or city ..
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Your choice of lender and type of loan will influence not only your settlement costs, but also the monthly cost of your mortgage loan. There are many types of lenders and types of loans you can choose. ..
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If you receive this Booklet before you sign an agreement of sale, here are some important points to consider ..
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Before you sign an agreement of sale, you might consider asking an attorney to look it over and tell you if it protects your interests. If you have already signed your agreement of sale, you might still consider having an attorney review it. ..
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Frequently, the first person you consult about buying a home is a real estate agent or broker. Although real estate brokers provide helpful advice on many aspects of home buying, they may serve the interests of the seller, and not your interests as the buyer ..
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Just as it says: Glossary of Real Estate Terms ..
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At some point (shortly before the date of final closing) it will be necessary for you to make a final inspection of the house that you are purchasing--a final walk through. In all probability, you will be accompanied by your Agent, who will help you examine the house ..
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After the searching for a home is done, the negotiations have been completed, the house has been inspected, and the mortgage has been applied for and committed to, the focus suddenly turns to the Closing, Settlement, or Escrow ..
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Depending on the type of financing you choose, there should be either 2 or 3 separate inspections on the home you want to purchase. The first should be your own basic inspection ..
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Real Estate is one of the few places (along with the automobile business) in American life where some form of negotiation is the rule rather than the exception. Just because it is the norm, however, does not mean that most people are proficient at it. Sure, most folks feel that they are the best negotiators in the world, but in reality, it is a learned art ..
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Real Estate is one of the few places (along with the automobile business) in American life where some form of negotiation is the rule rather than the exception. Just because it is the norm, however, does not mean that most people are proficient at it. Sure, most folks feel that they are the best negotiators in the world, but in reality, it is a learned art ..
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Once the perfect home has been found, it is time for the house buyer to take the step that makes so many of us tremble with fear: the sales contract. To take some of the mystery out of the house sales contract. ..
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The purpose of your personal inspection is only to eliminate those properties from consideration that have too many obvious deficiencies. It is not designed to take the place of a professional house inspection ..
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Buying a house covers a lot of ground--including legal, financial and emotional considerations. To not educate yourself and learn from the mistakes of others only sets you up to be at best disappointed and at worst finding yourself living in the wrong house ..
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The easiest way to understand the concept of condominium ownership is to see at as an apartment you own (in fact, many condominiums are apartments that have been converted over the years). Your ownership extends inward from your interior walls, floors and ceilings. In addition, you are a partner, with all of the other owners in the complex, of the exterior structure (the foundation, exterior walls and roof) as well as any common areas and amenities (for example, swimming pools, clubhouses, tennis courts, play areas, etc.)
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Townhouses often can make an excellent "middle ground" between a detached single family home and a full fledged condominium because, to some degree, they offer attributes of both.
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By far the most common form of housing in North America is the single family detached home--ranging from 600 square foot bungalows to 6000 (or more) square foot sprawling mansions. The most important distinguishing factors that determine a single family dwelling are that it sits on its own piece of land (which is sold part and parcel with the home) and it is not attached to anyone else's residence ..
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Don't build yourself a mortgage mountain. It's fine to want the best home you can afford, but be certain that it is comfortable affordability. Although you may find certain mortgage lenders who will stretch your qualification ratios ..
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Choosing among the many houses that may be available is hard enough--then you need to make a choice from the myriad of mortgages that are offered in today's market. So many decisions! ..
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Why get prequalified and then preapproved for a mortgage before you begin your search for a home? Because there are 3 people who will benefit from your preapproval: You, your agent, and the seller from whom you eventually buy a home!
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As with most things in life, life insurance comes with it's own rules. In order to be able to take full advantage of life insurance, it is helpful to know all that you can about it including what you should and shouldn't do. Take a look at the following list of do's and don'ts before signing on to any policy.
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Provides tax information for first-time homeowners including how you treat items such as settlement and closing costs, real estate taxes, home mortgage interest, and repairs ..
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Explains the deduction of certain expenses of moving to a new home because you changed job locations or started a new job. Topics include: Who can deduct moving expenses; What moving expenses are deductible and how to report your moving expenses. ..
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This report from the IRS explains what expenses you can deduct as a homeowner. It also points out expenses that are not deductible. This section has two primary discussions: real estate taxes and home mortgage interest.
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Here?s Why A Real Estate Professional Should Represent You ..
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Avoid the 10 Most Common, Painful, Frustrating Mistakes First-Time Home Buyers Make
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Mortgages for commercial deals can be funded if you know how to write a successful presentation. ..
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Lessor?s agreement to allow lessee to assign lease to another ..
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Lessor?s agreement to allow lessee to assign lease to another ..
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Your credit score is based on the information contained in your credit report. ..
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FICO? scores were developed by Fair Isaac & Company, Inc. for each of the credit repositories. ..
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You have a right to do with the land as you please, subject to restrictions imposed by law. ..
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Real property is generally defined as land and the things permanently attached to the land. ..
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Is Real Estate A good Investment? This report will try to answer that question. ..
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The REIT Story Real Estate Investment Trusts (REITs) were created by Congress in 1960 but played a very limited role in real estate investment for more than three decades. ..
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If the terms and conditions of the deal aren't acceptable, you might want to pause and think twice. ..
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Negotiating a purchase agreement is perhaps the trickiest aspect
of any real estate transaction. ..
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What makes a deal fall through? Avoid the common pitfalls! ..
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Should you hold out until you have an offer that matches your asking price? ..
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Selling a home can have
a major impact on your federal and state tax returns. ..
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Regardless of what the inspector may uncover, you shouldn't be
overly concerned about the actual home inspection ..
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Picking among several offers isn't always as easy as choosing the highest price, especially in hot markets. ..
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Was vacating your home for four or five prime-time hours worth the
inconvenience? ..
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Public open houses may be more beneficial for the
agents themselves than for the home sellers. ..
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Your broker's marketing efforts and considerations will
include advertising, showing the property, how long the house has been on the
market and whether you're buying another home. ..
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A listing agreement is a binding legal contract that shouldn't be taken lightly. ..
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The age-old observation that "you never get a
second chance to make a first impression" certainly applies when it comes to
attracting buyers to a for-sale home. ..
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What do you do if you receive multiple offers? ..
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A
house that "sparkles" on the surface will sell faster than its shabby neighbor,
even though both are structurally well-maintained. ..
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Setting the list price for your home is an important first step to selling your home! ..
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Here are some helpful definitions to help you follow the numbers. ..
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Pricing decisions should be grounded in reality rather than
wishful thinking. ..
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Property appraisal is a very important part of any new home purchase! ..
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Consumers tend to have some misconceptions about the appraisal process ..
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Selling a home can have a major impact on your federal and state tax returns. ..
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A real estate agent can help you understand everything you need to know about the selling process. ..
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For most people, a
for-sale-by-owner (FSBO) transaction simply isn't in the
cards. ..
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Jump start your understanding of your home's value by getting a free estimated valuation. ..
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More Americans than ever own homes because it's the ultimate tax
shelter. ..
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Uncle Sam helps you in three ways when you own your home. ..
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WHAT CAN I EXPECT TO HAPPEN ON CLOSING DAY? ..
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How much money will I have to come up with to buy a home? ..
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How much home can you afford? ..
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This checklist will help you understand all the costs related to your closing. ..
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Review the many activities that you need to make sure are performed before closing. ..
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This will likely be your last time to do a walkthrough.. ..
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What happens after I have applied for my loan? ..
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How does my credit history affect my ability to qualify? ..
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Learn how to negotiate the very best deal possible! ..
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There are some important questions you should ask before going ahead with any contract. Are you getting the best deal? ..
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Before you buy, consider getting a home health and safety inspection. Asbestos anyone? ..
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New home or not, it pays to know what to look for in its structure, equipment and surroundings. Give this article a browse before you buy. ..
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Is Home Owner's Insurance really required? ..
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This report will provide you with the information about home inspections ..
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Here's an explanation of debt to income ratio which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. ..
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There are several things you need to think about before you apply for your loan! ..
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Shopping for a mortgage is the first step toward owning a home and perhaps the most daunting, especially if you are not prepared. ..
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The two most common types of mortgages are fixed-rate mortgages and adjustable-rate mortgages, known as ARMs. ..
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A wide selection of mortgages is available. Your challenge is to select the loan terms that are most favorable to your situation. ..
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Likely the largest debt you'll ever take on, a mortgage is a loan to finance the purchase of your home. ..
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The mortgage amount is the amount of money you borrow from a lender to pay for your house. ..
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A written proposal is the foundation of a real estate transaction. This is where a little know how goes a long way.. ..
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Don't let your emotions overrule a reasonable assessment of whether a particular home really meets your needs. ..
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Let this home comparison chart assist in your final home purchasing descision. ..
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Here are some tips to help determine which house is best for you. ..
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Narrow your home search by identifying neighborhoods that are right for you. ..
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Obtaining a pre-approval letter before your home search is a good idea! ..
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Real estate ads are usually full of acronyms and terms that are unfamiliar to first-time buyers. Here's a cheat sheet to let you in on the lingo. ..
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Buying a home? These tips can help you find the home of your dreams! ..
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Making a Wish List can save you valuable time! ..
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Finding your dream home is not hard if you know what steps to take! ..
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A professional real estate agent can help you find the home of your dreams in less time than you though possible! ..
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A confident buyer will always get the best deals. You too can be confident if you learn what to expect! ..
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By following these tips, home ownership will be a much smoother experience. ..
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How Much Do I Have to Save to Buy A Home? What benefits can I expect being a young person? What obsticles should I be aware of? ..
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You can find out by asking yourself some questions.. ..
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There are multiple factors to consider when choosing your new home ..
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This article continues to explore the benefits of home ownership. You will descover facts which may leave you surprised.. ..
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Renting can be a great choice. Find out if Renting is better than buying. ..
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This checklist will help you find the home of your dreams today!! ..
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