Real Estate

In 2004, Kerry Campaign Releases Spouse Returns: The only apparent example of a presidential candidate who files taxes separately then their spouse in recent history appears to be John Kerry, with Teresa Heinz Kerry filing separate returns then her husband. We presume that Cindy McCain and John McCain file separate returns, although since they have never disclosed their filings publicly, it is impossible to say for sure. In 2004, the Kerry campaign released her 1040 form when it was filed, having provided summary figures earlier in the year. [Boston Globe, 5/12/04; 10/16/04]
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Her Fortune And His Political Success Intertwined. According to the Associated Press “The McCains’ marriage has mixed business and politics from the beginning, according to an expansive review by The Associated Press of thousands of pages of campaign, personal finance, real estate and property records nationwide. The paperwork chronicles the McCains’ ascent from Arizona newlyweds to political power couple on the national stage. As heiress to her father’s stake in Hensley & Co. of Phoenix, Cindy McCain is an executive whose worth may exceed $100 million. Her beer earnings have afforded the GOP presidential nominee a wealthy lifestyle with a private jet and vacation homes at his disposal, and her connections helped him launch his political career — even if the millions remain in her name alone. Yet the arm’s-length distance between McCain and his wife’s assets also has helped shield him from conflict-of-interest problems.” [Associated Press, 4/3/08]

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http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join Neil Stein, Senior mortgage consultant, of WCS Lending in discussing ways to avoid foreclosure. Neil offers advice to people who are trying to sell their house or refinance to avoid foreclosure. With the current inverse yield curve in the bond market, it is not advantageous to take out an ARM. The short term loan rates are rising and ARM payments will go up. Long term loan rates are not rising as fast as adjustable rates and may be the best option, depending on how long you intend to live in the property. Financial advisors can help you to get the best rate and will educate you about your options until you are confident you are getting the best price. Although it may seem like somebody else has a lower rate, it may end up costing more in the long-run if the mortgage rates rise or if there are hidden fees at closing. Refinancing and selling your house are great ways to avoid foreclosure, but ensuring that you get the right mortgage loan the first time is the best way to avoid the threat of foreclosure altogether.

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YOU choose a real estate agent after an interview. Prepare questions you want answered. How many houses have they sold in this price range? What are the fees? How long do they think it will take to sell your house? How long did it take for them to find a buyer for the last house they had in your price range? Do they know your neighborhood?
I’m sure you can come up with many questions…just think about it.
If price paid to the agent is the only factor that matters to you then Assist to sell is the cheapest company…the service will be less, but then so is the price…be careful if you use a company like this and another agent brings the buyer….you will be asked to pay and additional 3 percent to cover that agent’s fees and then you are almost at the fees generated by a regular realtor.

We own a half acre lot with two rental homes on them. They both run off the same sewer and same water utilities. They do have separate gas and electricity bills. They are no connected. One large house in the front and a small rental in the back. I would like to separate the property. The zoning in my area calls for one living unit for every half acre. We have had two on this property for over 20 years. Can I divide the property and sell a portion? Where do I go to find the information that I need?

I suspect if the zoning says 1 per 1/2 acre you are out of luck selling one off with less thatn that. But as Ace said call the zoning board. You will have a very expensive, in the thousands of dollars, bill for separating that sewer and water lines.

A couple of years back I tried to fight city hall on just such an issue, I lost.

Good luck

I have heard that if you attend an Open House without a Realtor, you are then obligated to use the showing Realtor if you decide to pursue that house, and that many unethical Realtor’s use Open Houses for that reason so they can cover both ends of the deal for double commission. Is there any way you can "fire" the selling Realtor after seeing the house and choose a different Realtor to represent you in that sale? I don’t feel comfortable working with someone who is trying to represent the interests of both the buyer and the seller…I want someone to represent my interests solely. What are my options if we already visited an Open House and spoke with the selling Realtor (although we didn’t give any personal information, not even our last name, or sign anything)? This is our first time looking for Real Estate or using a Realtor, and we learned this about the open house obligation after the fact, so any advice would be appreciated. Thanks!
A potential Realtor just told me that if you attend an Open House without a Realtor (ie her), you are then obligated to use the showing Realtor if you decide to pursue that house (she can’t do that sale or show that house), and that many unethical Realtors use Open Houses for that reason so they can cover both ends of the deal for double commission. Is there any way you can "fire" the selling Realtor after seeing the house and choose a different Realtor to represent you in that sale? I don’t feel comfortable working with someone who is trying to represent the interests of both the buyer and the seller…I want someone to represent my interests solely. What are my options if we already visited an Open House and spoke with the selling Realtor (although we didn’t give any personal information, even our last name, or sign anything)? This is our first time looking for Real Estate or using a Realtor, and we learned this about the open house obligation after the fact, so any advice is great!
Oops…obviously this is my first time using Yahoo Questions too!!! I thought it would replace my original details, not double post them. Sorry!

Basically, a Realtor told me that if we had already seen a house without her that she could not represent me in buying that house because I had an obligation to use the selling Realtor. The selling Realtor was pretty horrible, so I would NEVER choose them, but her comment made me feel totally trapped, since we are somewhat interested in the house. Is she full of bull then?

While the above posting are correct – you are NOT obligated to use the Listing Realtor because you saw the home during an open house, DO tell the agent you hire to represent you that you saw the home during an open house. that way your agent can head off any problems before they happen.

I found a house that I would like to buy. The couple who owns it is going through a realtor to sell it. Is it possible to work with the owners instead so that the costly closing costs won’t be a problem?

The house I’m wanting to buy is $40,000. (I live in rural Indiana). What would the closing costs be?

If I go through the realtor to buy this house, can I get the home loan from the bank of my choice or will I need to use the realtors financing?

This will be my first home purchase and I know nothing about realtors. All help is much appreciated.

the Realtor has nothing to do with closing costs or where you get your funding from, the realtor gets paid a 3% comission wich is paid from the seller, the closing costs all depend on your loan officer thery make the fees now there are some fees thaey cant change like apprasial, title,doc prep, but there are fees they can lower such as loan origination,mortgage broker fee,processing fee, on a loan amount that small i would say your costs will be under 2,500 and they will most likley be rolled into the loan and not have to come out of your pocket.good luck and congrats on the new house

I was required to use my credit card to recived their coaching and sign a form that i could not get a refond. but now after 3 mounths i know this is clearly a scam. but because of the sign form i feel helpless. what cam i do?

You typically have 60 days to dispute a credit card charge. Even though you are past that point, I would go ahead and file a dispute with the credit card company. As far as getting it back from the company, if it is really a scam the odds are the you won’t be able to even deal with them.

I am sorry for the loss, but in the future dispute any charge within 60 days if you even suspect there’s a problem.

I’d like a prediction on the next areas of Oregon to buy propery in. Especially on the coast or Willamette valley. But any answers appreciated!!

Coos Bay, Oregon.

House Bill 5036 authorizes the state to issue lottery bonds to fund the Coos Bay channel project to widen and deepen the lower bay shipping channel for a proposed container terminal on the North Spit.

With the legislation, lawmakers committed to funding $60 million for the project in an effort to woo APM Terminals, the U.S. operating division of AP Moeller Maersk, to build at Coos Bay.

The Oregon Gateway Project, which could cost up to $1 billion, would generate 1,639 new jobs in Coos County and 4,528 throughout the state, pumping $574 million into Oregon’s economy, according to a report prepared by BST Associates of Washington.

A local realestate agency does not list any MLS listing on her site the PRMOTES ALL MLS listings that are listed by dicount brokerages. She is by far the biggest agency in my area, accounting for nearly half of all home sale listings. Some refer to it as a monopoly.

Since she promotes that her search engine on her site pulls up all MLS listings, could some one not seek a liability case? I know it is against the law for realtors to intentionally bypass FSBO listings, or dicounted brokerage listings. What is amazing is 95% of these sellers she bypasses in her system ARE OFFERING 3% to a selling agent. The other few are offering 2.5%.

I’m one of those excluded, despite being in the MLS and offering a commission. I had my brother call her agency about my home, they told him "it is not something you would be interested in, trust me!" They have never even seen it! Do I have a case?

This is an interesting question.

If she is advertising that she is allowing searches of all MLS properties and is screening out discount brokers and or lower commission offerings I would think that you could file a complaint against her with the MLS, local board of Realtors (if she is a Realtor), the state regulatory agency for agents/brokers for false advertising. You could contact the federal anti-trust attorney(s) they are always happy to look into real estate brokerages. By the way if they can turn up a antitrust case you get treble damages (if you can show that you were damaged).

Good luck