Tag Archives: home

Want to Sell Home, Fast?

However here we’ll go over a few things you can do to hopefully sell it as quick as possible.
Firstly, try and have your home presentable. The difference just a clean and perhaps paint can make is truly enormous. People do tend to make quick first impressions and as everyone knows, these can be hard to change afterwards, so it’s best to get it right first time.

You don’t need to go overboard or anything, just have it presentable. If the walls are a bit shabby then a few hundred pounds spent on painting them is possibly one of the best investments you’ll ever make. Have the house clean – minimize stuff lying around the place, make sure it’s been hovered recently, and don’t forget those windows – they really only take a few minutes each to clean but the difference they make is massive.

Things like dirty ware in the sink (you’d be surprised how often this happens on viewings) are a massive turn-off.

If you have any outside space, then try to make this look its best as well, whether that’s cutting the grass, sell home quickly or perhaps trimming the hedge or whatever, the time you spend doing this will be time well spent.

Next, decide how you want to go about selling it. Do you want to try selling via an estate agent or would you prefer to avoid the stress and uncertainty involved with that? If selling through an estate agent then see at least 2-3 agents and go with whichever one you feel the most comfortable with. Be wary of agents who over promise, and be especially wary of ones that tell you they think your property is worth a lot more than your common sense would indicate. If every house on your street is the same and there’s a few on the market at £100,000 but your agent is telling you that yours is worth £130,000 even though there is no significant differences between yours and the others, then alarm bells should be ringing.

Also beware of having to enter into very long term agreements with any estate agents – a typical one is 8-12 weeks – be very careful about entering anything longer.

Be conscious of their fees – don’t necessarily go for the lowest, but certainly avoid any that are way above the average.

If you would prefer to avoid estate agents altogether then you could consider selling to an investor. These typically offer less than what you would hopefully get on the open market, but it typically is a guaranteed offer, there should be no fees with any decent investor, and the investor should be able to complete quickly. If you do go down the investor route, then make sure that the offer is final and that it’s not going to change at the last moment, make sure there are no hidden costs, and get an idea of when completion should be. If the investor can’t provide the answers to these questions then move on to the next one.

Chase Customers and Chase Bank Home Loan Modification – The Truth

For a lot of people making ends meet is a challenge right now and they are starting to worry about impending foreclosure. This does not have to happen, however, mortgage loan modifications can help prevent this and give homeowners some time to get their finances in order. Your lender and loan insurer are the determining factors in determining if and how your loan can be modified. This article will focus on the requirements of Chase Bank home loan modifications and how to get one.

Before you begin, you need to know who insures your loan. A lot of people don’t know this since they usually have no reason to. The quickest and easiest way to find out is to call Chase Bank and ask. If you find that Fannie Mae or Freddie Mac insures your loan, you may be a candidate for the President’s $75 Million Homeowner Stability Initiative. This program works with lenders and borrowers to lower monthly mortgage payments to no more than 31% of your monthly income before taxes.

There are, naturally, some requirements. You must own the home you live in, owe no more than $729,750 on your mortgage and must have negotiated your loan before 2009. You must be making payments that exceed 31% of your gross monthly income and you cannot have had your loan modified in the past. If you meet all these requirements, consult with a financial planner to tell you more about it. This government plan helps both lenders and borrowers, so homeowners get better deals through this program than they would when dealing directly with banks.

If it turns out that Fannie Mae or Freddie Mac does not insure your loan, you do not qualify for this government program. There are still alternatives. Chase bank does have its own process and it is worthwhile to investigate their loan modification process, especially before accepting foreclosure. Again, you must own the home you live in, have a mortgage that has never been modified or refinanced and be able to pay a monthly payment of between 31%-40%. The monthly payments may be a little higher since there is not government help as there is in the Homeowner Stability Initiative. If you fill these requirements, Chase will also request a hardship letter, your financial statements, your pay stubs, bank statements and ask to see your tax returns.

Whatever approach you take, either approaching Chase Bank or applying for the Homeowner Stability Initiative, a loan modification is a much better alternative than foreclosure. Your credit score will not be damaged and you can keep your family home.

If you are having trouble paying your mortgage, check out Chase Bank home loan modification and the government initiative program.