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What are the hidden costs of owning a home?
Good question, with lots of answers. The fact is that—aside from the price of a home—owning a home comes with a number of responsibilities and choices, all of which have price tags associated with them. Most people know the about the obvious costs: the cost of purchasing the home and the cost of financing the …
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What’s in the news for April 26, 2011?
Case-Shiller Index Reports Price Decline for February Standard & Poor’s Case-Shiller Home Price Index for 20 metropolitan areas in the United States reported a 1.1% price decline from January to February 2011. After increasing for nearly two year, the index measured by S&P is now nearly as low as it was in April 2009. Read more …
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What’s in the news for April 22, 2011?
Las Vegas Prices Continue Decline; Median Price Near $100,000 At the peak of the real estate market in 2006, the median price for an existing home in Las Vegas was $285,000. In March 2011 the median price was $108,000. Condominiums originally sold for $399,000 are now on the resale market for $39,900. Read more here. …
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What’s in the news for April 21, 2011?
Ohio and Maine Report Lower Sales and Prices Across the state of Ohio, home sales in March were down 8.2% and prices were down 11.5% vs. March of 2010. Agents in Ohio are said to be “encouraged” by these “relatively steady” numbers. If 10% drops are reason for encouragement, that certainly sheds light on the overall …
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What’s in the news for April 20, 2011?
Home Sales Up, Prices Down The National Association of Realtors (NAR) reported that the number of existing homes sold in March was up 3.5% versus March 2010. However, the median home price fell 5.9% to $156,900. Read more here. Connecticut Looks to Change Homeowners Insurance Laws The state House of Representatives in Connecticut is considering a …
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How are closing costs summarized on a HUD-1 Settlement Statement?
Fourth in a 5-part series. Page 2 (Part L) of the HUD-1 Settlement Statement lists all of the “closing costs” associated with the real estate transaction. The majority of the costs are driven by the buyer’s lender, but not all of them. The terms of the negotiated real estate contract determine which costs are paid …
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How does the HUD-1 Settlement Statement summarize the seller’s side of the transaction?
Third in a 5-part series. Part K of the HUD-1 Settlement Statement summarizes the seller’s side of the transaction in lines 401 through 603. Line 603 is the total of all of the seller’s debits and credits and shows the amount of money that the seller will pocket at closing. This post is a line-by-line …
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How does the HUD-1 Settlement Statement summarize buyer’s side of the real estate transaction?
Second in a 5-part series. Part J of the HUD-1 Settlement Statement summarizes the buyer’s side of the transaction in lines 101 through 303. Line 303 is the total of all of the buyer’s debits and credits and shows the amount of money that the buyer must bring to closing. This post is a line-by-line …
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What is an encroachment?
An encroachment is a building or other structure that is owned by one property owner, but that actually extends or is built on–illegally–another property. For example, if your neighbor builds a fence betweeen your two properties but builds it on your side of the property line, it is an encroachment. Other common encroachments include driveways …
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What should a seller be concerned with at closing?
Third in a 4-part series. From the seller’s perspective, there are three main things that must be completed for his/her side of the closing to go smoothly. The most important thing is that the seller has to be able to deliver clear title to the buyer. For example, if there are any liens on the …