The creation of this page has a very simple purpose. To ease the pressure and frustration, you as a home Buyer/Seller have, when it gets to purchasing or selling a home. And there is lots of it, especially for the first timers or those who have not done a transaction for a long time.

     I remember buying a house for a first time in downtown Las Vegas in early 90's. I couldn't figure, why the Real Estate Agent was trying to make me sign all these papers before I even decided on a house. Why don't we just look at houses and let it settle for a while? Well, the papers were not more then a formality and the houses I was interested in were selling fast, so it wasn't the agent, but my own frustration and lack of knowledge about the Process that made me feel uneasy. Now 15 years later being a Realtor myself, I would like to share my experience, not only as an Agent, but also as a person been on both sides of the game and understanding what people go through to make it happen.

                               - The Process
                               - The Scare of Paper work
                               - How To Choose A Real Estate Agent

               ADVANCING HOPE

This August 2006 moving thinking I got a hernia I rush to Emergency to find out: ovarian cancer, full on surgery, stageIIIc, but I have heard someone say "treatable" I think, I am still in shock, and because of surgeries, chemo, long hospital stays (8 days)etc., I have absolutely no income and for some reason the federal government and state government offices I find EXTREMELY difficult to navigate. Unfortunately, I have found myself with no support network, all family and friends far away and unable to make any gestures.

    First of all what you need to understand is that the Process I am describing here takes place in Las Vegas, NV and may not be as useful elsewhere in US. There is a number of people working on every single Real Estate deal towards a same common goal-to make the deal go through and close escrow. Some of these people you will meet and others you won’t, but every single one of them wants to finish this in a positive way, so they can get paid. SIMPLE AS THAT! And they know that they should work so, that everybody from both sides (Buyer/Seller) is happy or there is no deal, which means no payday and none of them wants to see that happening after all the time and money spend. Let me mention some of these team members so you better understand the next part of the PROCESS.

    First you choose a Real Estate Agent to help you find or sell a home and represent you throughout the transaction. Your Agent is your best friend. There is another just as good friend to you whom you may never see in person but he/she is watching every step of the way, because is legally liable for your Agents conduct – that person is your Agents Broker who gets paid part of the commission or a flat fee.

    Same structure is valid for the other side of the transaction (Agent, Broker, Client). Some times you may see the Broker working directly with the Client, but that is not a common practice. That’s why the Brokers hire Agents, so they don’t have to go out and do it themselves.

    So far we have the Real Estate side of the team (both sides Brokers, Agents, Buyer and Seller). Now let’s move to the Mortgage (Loan) part.

    If the Buyer doesn’t have the money cash (99% of the cases) will need to find a Lender (Bank, Mortgage Company, etc.) to finance the purchase. Usually, the Agent would pre-qualify the Buyer before they start looking at potential properties and this is the practice I prefer. It saves all of us valuable time. After finding a lending company, Buyer meets with a Loan Officer to help with the paper work and choose the right Loan, than the Loan Officer sends the paper work to the Processor. The Processor is somebody you may hear from if they need more information and then the file goes to the most important person on the Mortgage team, The Underwriter. If the file is complete and The Underwriter signs it off, the money is ready to go to Escrow.  The Mortgage team (Loan Officer, Processor, Underwriter) is getting paid partially by charging fees to the Buyers closing cost and partially by the Bank they got the money from.

    Then everything happens in Escrow (Title Company). Some states are using attorneys instead. One of the Buyers Agents job is to open Escrow with an Escrow Officer after the purchase contract was signed and accepted by both parties. Once Escrow is opened the Escrow Officer becomes the coordinator of the Process until it closes successfully. In order for that to happen, all the paper work gathered from RE Agents, Banks, Mortgage Co., etc., should be satisfactory to the standards of the State Law. One of the major roles of Escrow is to issue a Title insurance to the property, which means they made sure that all the liens and debts have been paid off prior to Close of Escrow, so the Buyer gets Clear Title and if someone shows up later and claims they had an interest in the property and were not paid to their satisfaction, they have to settle the dispute with the Title Company not with the Buyer. If the Seller did not pay his liabilities and did not disclose them prior to Close of Escrow, the Escrow may settle the claim and go after the Seller to recover the damages.

    Charging Buyer and Seller fees to their closing cost pays the Escrow Office, Title Officer and their assistants.

    Now I hope, you The Client, understood better the confusing sometimes Process of moving a Real Estate Transaction. And before we proceed to the next segment I would like to remind you that the above is mostly valid for the State of Nevada and especially for Las Vegas, where I work and live for 15 years. Most other states even though similar may surprise you with terminology, order and institutions different that the said above.

                               - The Scary of Paper work
                               - How To Choose A Real Estate Agent
 

     There are so many papers to be signed during the process of buying / selling, that even the real estate agents get confused some times. New forms come out every day and to keep up with it is not so easy. Most of it came from the real estate boom last few years, which uncovered many bald spots in the Transactions. The Real Estate Division is desperately trying to patch them in order to protect the participants from fraud and lawsuits. In many cases having the right forms at the right times make all the difference in the world to between winning and loosing from a Deal to a Law Suit. Since the business of Real Estate is nothing more than management of communications (for the most part), miscommunication is the biggest problem haunting it. I still can’t believe how many people in the business continue to get in trouble because of misunderstandings, which could have been avoided simply by having people talk to each other instead of assuming that telepathy and other extraterrestrial information flow exist.

                               - The Process
                               - How To Choose A Real Estate Agent

I have been a home tax preparer for over 20 years.  I am seeking to secure a number of Government grants (monetary and real estate) to hire employees and expand my business.  I am a 47 year old African-American with a medical condition (Renal Failure) but I am able to function.  My goal is to open two offices and also offer moble tax services during the tax season.

I can be reached at melvin.ross@med.va.gov

Project:    Allure
Total Planned Units:   403
Builder:   Fifled Companies



Click here to see the floor plans




To get price information please, click here.

Hello everyone.  Well, here is my story... I got divorced 3 years ago.  I used to have my Real Estate License and had to put it inactive because I needed a stable salary to provide for my 3 kids and be able to pay for rent and utilities.  Gladly I found a job right away.  I worked as a Circulation Manager for the local news paper.  Little did I know that the job hours were from 3 am till whatever time I was needed there, sometimes delivering the paper at the wee hours of the night myself door to door.  Nevertheless, it was a job, and it provided me with enough money to live month to month.  Sadly I lost the job.  Then I spent the last year looking for another one but I came to find that at least in this town, no degree means no job.  Well, lets be honest, I can work anywhere but not only I have great skill as administrative assistant, but also, being paid the minimum wage does not add up to include a baby sitter payment for me.  So I decided I needed to pursue a career, and fast!

So I did.  I enrolled to the University of Phoenix online, and by the end of this year (2007) I would have finished my Associates Degree in Criminal Justice. 

I have done so many things while.  I am giving therapy to kids with disabilities as a volunteer, I have give folklorico dance clases as a volunteer also, and enjoy helping people around in general.  You could say I am a good girl.

I just can't wait anymore to finish my school.  I am already behind on my rent, I am 2 months behind on my car payment, I have no money for anything, specially to at least take my kids to the movies!  So its pretty sad.  I had come up with a plan already, I talked to a Real Estate Broker (Exit Realty) to sponsor me so I can get my Real Estate License back.  He kindly accepted, so I had already finished the only class I needed to renew it, but I still have to take the test again.  The Broker at Exit Realty is paying for all the I need until I pass my test, class, renewal fee, exams etx.  So far it looks great. 

I am just going crazy not knowing what to do for money to provide to my little family while I sell my first house!!

I really need a helping hand.  I have 3 kids, two of them are special kids, one is Bipolar and the other one is Obsesive Compulsive (The third one is doing great, no problems) so you must understand why is so hard to go thru this fear of not knowing if I will be able to get back on track.  I am afraid they will evict me from my apartment because I am so behind, I am afraid they will take away my car because is the only one I have to take my kids to school. 

The other part that is driving me crazy is that I got a traffic ticket 2 years ago (driving at 4 am in the morning is not the best time to drive) and I could not pay it so it became a warrant.  Then I got stopped because a light on my car was not working (did not even noticed) and since I had a warrant already I was affraid to show my drivers license, so there you go, another ticket, this time for no stop light, and no drivers license.  Again, I could not pay or go to court for the same reason (I had a warrant) I was affraid, so I got another warrant, and the got my license revoked.  The good news is that I was able to gather some money and pay my warrants.  The bad news is that now I have to come up with money (lots) to pay the fines to get my drivers license back.  (bummer).

You might ask, So where is the father??  Well, the father is very near, but he already has another BIG family to support.  At my divorce I was stuppid enough to accept 400 a month for Child Support, and that is all I get.  Later I found that my ex husband is making about 70,000 a year, and he is suppoused to give me about 1200 a month for Child support.  So I went to the authorities, the Attorney General and guess what?  They said they had to respect the divorce decree, and I was stuck with only 400 a month, not only that, but they also made my ex pay for insurance for the kids, and now he is paying 400 for that insurance that nobody uses!!  I am so frustrated!!

I just want to be able to provide for my kids.  I just need one break, just one.  It has been down hill for the past 3 years and I just don't see when is this going to end....

I want to be able to pay my rent, to pay my car, to take my kids shoping for some new shoes, to take them to the amusement park, to take them on their first flight.  I know the nice things will come as soon as I start working in Real Estate, I know they will get better when I get my degree.  But now, I just want to get back on track, I want to be able to drive and not be afraid of the police stoping me and finding my license is not active, I want to be able to come home not afraid I will find my self lock out for not paying the apartment, I want to be able to know that my car will be there tomorrow to take my kids to school.

Its just getting so hard and I sometimes think that I just cant do it anymore...

God, please help me!  The sea is so big and my boat is so little.....

Thank you for reading my lines...

Ale

I'm a 37 year old mother of five that have longed for my own business.  I've known that I was destined to be my own boss every since high school.  Due to making wrong choices on this journey called life, it has delayed this dream from becoming reality.  I've chosen to take my "purpose in life" back from the hand of procrastination.  I think because of the strong will of desiring to start my own business is why small obstacles seems unattainable to me.

I'm the only source of income in my home & with the bills that comes each and every month, there's not enough money to set aside to pay the money needed to get started with my business.  I've considered pay day advances, that will only get me in deeper money trouble because the turn-around time to pay that back isn't enough time.

One may be asking, "well what type of business is it and how much money do you need?"  Real Estate Investing, purchasing Pre-Foreclosures & FSBO properties is the business venture I desire to be in.  Because I don't have the financial stability that ordinarily you'd need to get started, I began research & came across this amazing company that allows you to get started in real estate investing while you build your finances to be able to ultimately buy and sell on your own.  The company's associates fee is $800.  That's right, $800 stands in the way of me turning my life around. 

If you are interested in helping me birth my dream to life, please contact me!

Yours Truly

Carol

I have developed a methodology for beautifying distressed neighborhoods and making money at the same time, for myself, employees, passive investors, local suppliers of home improvement materials (including Home Depot, Lowe's, Ikea, Ace Hardware, and also small locally owned shops...) the city government, and the residents in general of an overlooked and underserved place.

My company has been written up in the Los Angeles Times, on CNN, in Fortune Small Business, and most recently, in a 30 minute documentary on HD.net world news report.

Our motto is to create wealth in a cooperative and sustainable way, by inspiring others to create wealth. Reducing our impact on the environment is a core value, so we focus exclusively on renovating existing housing stock in inner cities. We do not build anything new or tear down anything existing. The result is that the neighborhood improves and the quality of life goes up without any major upheaval in the fabric of the community. The local economy just gets better, the streets get safer, and the properties get more beautiful. Everyone wins.

What I want is for people to buy properties in the places my company recommends. My commitment to you is that if you do this you will prosper. Looking back, the places I would have you invest were in Oakland CA in 1995 (I told hundreds of people to buy there with me, 26 did), large houses for under $150,000; then in Long Beach CA in 2002 (this time I got about 40 people to follow) small apartment buildings for under $200,000; then in Compton CA and South Central Los Angeles in 2003 (I had 20 investors purchase 37 homes) for under $200,000; in early 2005 I picked Phoenix AZ. All of those cities went up in value sharply after I picked them and were in the top 10 zip codes for real estate appreciation in the 12 months following. This is no accident. I do tons of research on the entire national real estate situation before selecting what I consider the best market. And part of it is a self-fulfiling prophesy, when people buy into a community and have a stake in making it better, it gets better. Duh.

There are 4 hot markets I recommend right now. Buy there, or simply watch from the sidelines to see if what I say pans out. Personally I have ALL my money invested in this. And about a million dollars from friends and family.

(1) Phoenix, from Thunderbird south to Van Buren, and east of I-17. Buy everything under $200,000 (it's getting to be slim pickins). When that is gone, we go block by block west of I-17.

(2) Baltimore, the Patterson Park area, south of North Ave down to Eastern, start at Broadway going east. Buy everything under $40,000 in any condition (even vacant land) and anything habitable or able to be made habitable with $15K or less in rehab for up to $100,000. Once that is gone we go up to the area around Druid Lake and east of there.

(3) Atlanta, the area around Clark University and the Georgia Dome. North of I-20, anything under $100/sqft.

(4) Philadelphia, a mile or two south of Rittenhouse Square (19146) and University City (19104). Anything under $50,000 (even vacant lots) and anything in easily renovateable condition under $100/sqft. These are absolute steals.

When you make offers let me know so I don't bid against you. There are plenty of amazing deals to go around, so let's coordinate our efforts!

Hi:

I currently have two rooming houses (rented by the less fortunate in society) and owing $190,000.00 and $120,000.00 respectively on them. 

I would like to travel and do volunteer work in developing countries of Africa, Latin America, Carribean, or Asia. But with these mortgages, I cannot.

I need someone to help me pay them off quickly so I can depend on the revenues to help me  travel and assist the less fortunate in other parts of the world.

I have the Faith and Hope that you will come through for me so I can do my Charity work in other parts of the world.  HELP ME HELP OTHERS LESS FORTUNATE

FaithHopeCharity

I have owned my Real Estate Company since June 1991. I let a real estate agent come to my company in 2005. Last year I caught him in my building with illegal drugs and because of that I terminated him. After I terminated him he signed a contract with our local Yellow Book area wide phone directory changing my main company number to his own personal cell phone number!!! Now my company gets no real Estate calls because they all go to him!! This has caused me to loose almost all of my income and for the first time in my entire life my building and house payments are in default!! I have recently added loan originators and various other companies to rent from me but for the time being until I can get these new originators going I am totally broke and desperately need help with approx $5000-$10,000 so that I can get my bills caught up. I am a victim also of identity theft----someone in the country of Romania is using my name and my address and is selling laptop computers. He has totally destroyed my credit!! I have hired an attorney to help me get that solved but for the time being I cannot borrow money to keep my bills current. I will have a very decent income but it will be about a month. I have been selling my furniture just to have enough to eat and keep the utilities on but I have just about run out of anything to sell. I would be willing to pay a very high interest rate if someone would just please be kind enough to just loan me this $5000 to $10,000 !!( I would be glad to have an attorney draw up any kind of paperwork to protect you in making sure that you get paid back plus a very high interest rate).Any consideration of ANY amount would be most greatly appreciated more than you can ever possibly know!!  Thanks in advance!    

I am a begining real estate investor based in Houston,Texas seeking a one time loan or grant to get the business up and running. I am educated, some college and very ambitious and motivated to establish long term and short term real estate investments. I've in vested hundreds of dollars in real estate information and some long hours of studing the concepts of real estate investing.  I'm curently seeking funding (approximately $20,000) to pay of all unsecured and bank debt(approximately $4000)  form a LLC corporation and purchase some over the counter tax liens. I am willing to give limited ownership in this business or pay back with interest..I'm also willing to purchase insurance to protect your investment. Please email me if you can help orprovide financial assistance of any kind. This is a sincere and honest business proposal. Thanks in advance and I look forward to your reply.

JRWhite852@yahoo.com

My father passed away 3 years ago December, without a will. I am fighting with my step-mother who has never settled the estate (I live on part of the property my dad was going to leave to me).  I can't afford to pay my lawyer to get this over with and will need to pay off a mortgage on the property when I do get my lawyer paid.  Are there grant programs that will help to pay lawyer fees and mortgages on property? Or am I just wasting my time sifting through all these web pages?  Thanks for any help or advice

I have seen many posts asking for help with foreclosure. Many people owe almost as much as their house is worth, they are in foreclosure, and they know that foreclosure stays on their credit record forever. They want to keep their house-sometimes this is possible.  I try to explain options to people facing foreclosure. If there is a way that I can help you keep your house, I want to try to help. I am honest and ethical. Click on the blue I above and email me.

Hello:

I need assistance, as I have many properties via the New York vacinity that are in need of repairs, such that they may be RESOLD.

Please assist with information regarding federal grants/programs to finance this venture.

Thank you,

FLY2BWI

1 866 448 7224

My name is Vangie and I am a Realtor with Signature Executive Realtors.  Today I find myself begging for help for a very special client.  I have a buyer who is buying a house that is an approved short sale in Culpeper, Virginia.  That's nothing special right.  Well she is the mother a precious little girl that has a handicap.  She has a fully approved loan but the bank is refusing to pay her closing cost of $17,000, they agreed to pay her down payment assistance.  I have offered the bank 1.5% of my commission but the bank still refuses to pay.  Simply put the short sale bank wants this buyer to come up with the money.  Come on please help.  She sold her car to put money in reserves for her loan.  Please help.

HI I WORK FOR THE CITY OF NY AND I CANT AFFORD TO LEAVE MY JOB AND START A REAL ESTATE BUSINESS BUYING HOMES TO FIX UP AND SELL. IS THERE A GRANT FOR THAT??

AND WHICH ONE IS IT?

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Like so many these days, my wife and I find ourselves not able to afford our single family house and we lost it.  We are now in a condo with a lease-purchase option that we would like to excercise however, our credit has suffered to the extent that with the current credit crunch we cannot qualify.  To make a long story short, we are looking for someone to finance the condo for 3 to 4 years.  At that time, I will be able to qualify for a mortage thru conventional means.  Condo located in Largo FL.  We are both healthy, employed and with no dependents (except 2 cats that run the place)  I currently work for the county and am retired military (pension kicks in at age 60)  My wife will graduate from school in Februrry and be entering the medical admin field, something she has always wanted to do.  Will, of course, get into many more details with someone who is interested.  Thank you in advance.