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Sellers & Buyers

Can A Mortgage Be Transferred To Someone Else

Can A Mortgage Be Transferred To Someone Else

Can A Mortgage Be Transferred To Someone Else

Some homeowners may get an offer to “buy” their home where the buyer proposes to give a small down payment to the homeowner and take over the existing mortgage.  As part of this deal the buyer agrees in writing to continue paying on the mortgage.  Especially with mortgage interest rates much higher than they were in the recent past getting a house with a low-rate mortgage can be a great deal.  Once the homeowner moves out the buyer will then attempt to sell, rent or live in that house.  The problem with situation becomes when the current homeowner does not have an assumable mortgage or has not done the proper paperwork for the buyer to assume the mortgage when the mortgage is assumable.  If the buyer stops paying on the mortgage the trouble will begin.

Which Mortgages Are Assumable?

An assumable mortgage means a buyer can officially take over an existing mortgage and take the place of the current homeowner whose name is on the mortgage.  Generally VA (Veteran’s Administration) and FHA (Federal Housing Authority) mortgages are the only assumable mortgages for residential real estate.  Both the VA and FHA have rules and requirements for the new buyer to meet prior to being able to assume the mortgage.  Failing to meet those requirements can prevent the assumption of the mortgage.  As a result the homeowner needs to be discussing the assumption process with the VA/FHA at the very start before any agreements are made to sell a home with the condition...

What Does It Mean To Be House Poor?

what to do when house poor

What Does It Mean To Be House Poor?

Getting into a house poor situation usually is the result of stretching ones budget in the hopes of some future promotion, bonus, or new (read pays more) job.  Other times it may be because there is a change it job situation or change in marital status and now what used to be enough earnings to cover the mortgage payment is gone.  Being in a house poor situation means barely being able to afford the mortgage on a home and as a result falling behind in important repairs and maintenance of the house.  There are some different options homeowners can consider when they find themselves in a house poor situation as discussed in this article below.

Figure Out What Fits Within the Budget Before Buying

It is easy to get carried away in the excitement of home shopping and start looking at homes before one has sat down with a mortgage lender to figure out what the monthly payments will be.  That is a sure-fire way to lead to disappointment when one finds that “house of their dreams”, the must have house which leads to stretching oneself to purchase that home.  Any home buyer should first determine how much mortgage they can get pre-approved for and then consider that monthly payment in terms of their monthly take home pay.  Stretching that budget because there is a promotion on the horizon or because of an expected new (higher paying) job while tempting, is a path towards being house poor.

New jobs and promotions are not guaranteed in life and just as easily as those promotions can come a homeowner can find themselves without any job for any number...

What Happens on the Day of Closing?

What Happens on the Day of Closing?

What Happens on the Day of Closing?

On the day of closing the buyer and the seller are at the end point of the journey for buying/selling a home.  There will be a number of documents for both parties to sign.  At this point the background title search will also have been completed, the mortgage loan (if being used to make the purchase) being given clear to close and any down payments (or payments from the seller) must be made.  This article explores in depth what happens on closing day so both the buyer and the seller of a home can be prepared.

Buyer Closing with a Mortgage

Once the mortgage lender gives the buyer clear to close on the loan the actual closing can be scheduled and is usually scheduled by the title company.  The mortgage lender will typically send the funds to the title company ahead of the actual closing time.  Once all parties have signed their documents and the lender has gotten and approved of their required documents then the title company will be given authorization to release the funds to all parties as required by the contracts.

The buyer and the seller can meet at the closing table if their schedule permits.  Closings can be done separately though with the buyer and seller signing separately at their own time and even in different locations.  Not until both parties sign though is the transaction considered closed.  The seller will not be able to get their proceeds check, nor will any of the real estate agents be able to pick up their commission check until both the seller and the buyer have signed their documents and provided their payments.

Typically, it is the buyer who must bring money to the closing table and...

Common Real Estate Myths

Common Real Estate Myths

Common Real Estate Myths To Know About

Myths about real estate and homeownership have been around for a long time.  These myths are passed along sometimes as common knowledge but when taking a little closer look, the facts do come to light.  Check out some of the common myths and the reality of the situation in this article below.

Myth: Home Buyers Don’t Need a Mortgage Pre-approval Prior To Seeing Homes

With a home being one of the most expense purchases made in one’s lifetime, not knowing ahead of time the amount of money they can borrow to buy a home can lead to great frustration.  Seeing a house that a buyer truly loves only to then find out it is out of their price range means a lot of wasted time and wasted effort.  A mortgage pre-approval is an easy process providing the home buyer has all their paperwork ready to give to the mortgage lender.  By getting a pre-approval ahead of time not only does the buyer learn the amount of mortgage they can get but other issues can be taken care of if they do pop up before any offer is made.  Things like correcting credit report errors or simply paying down certain accounts the buyer can get a better interest rate and better terms which leads to big long-term savings.  

As part of the mortgage pre-approval process the buyer will learn how much money they will need to bring down when purchasing a home based on the mortgage type.  Sometimes this can be a large number (depends on mortgage type) and the buyer may not have all that cash ready to put down towards a downpayment.  Which means if they do find a home they...

What Are Pocket Listings: A Comprehensive Guide

Pocket Listing

What Are Pocket Listings:  An Indepth Guide

Pocket listings are off-market real estate sales, often kept private and not published on MLS. These listings are only shared with a select group of preferred clients or agents. While pocket listings offer privacy for sellers and potentially less competition for buyers, they also limit property exposure and raise ethical and industry concerns.

Finding pocket listings can be done by working with knowledgeable agents, exploring private networks, or understanding the Clear Cooperation Policy by The National Association of Realtors.

It's crucial to weigh the pros and cons and consider the impact on market transparency and compliance with fair housing laws.

In my experience as a real estate agent, many people don't know what a pocket listing is and how they work. We will clear up that mystery for you.

How Pocket Listings Work

Pocket listings are a unique aspect of the real estate industry that operates outside the traditional public listing approach. We will explore off-market listings' basics, benefits and drawbacks, and important legal considerations.

The Basics of Pocket Listings

At their core, exclusive listings are properties that are not publicly advertised on the Multiple Listing Service (MLS). Instead, they are marketed privately and exclusively shared with a select group of clients or agents. Pocket listings are kept 'in the listing agent's pocket, hence their...

Negotiating Post Inspection Repairs

Negotiating Post Inspection Repairs

Negotiating Post Inspection Repairs

After an offer has been accepted by the seller the buyer is usually tasked with getting an inspection performed on the home during the agreed to time frame.  Having an inspection performed is an important thing to have done as it provides to the buyer a detailed report of the current condition of the home.  If there are major issues with the home, then repairs might in order or the buyer can opt to move on and find another home.  As based on the current condition the price offered may not be worth it.  Buyers may still like the home but, may want repairs done in order to make sure they get a quality home upon closing.   This article explores how home buyers and sellers can negotiate repairs based on a home inspection report.

Review The Home Inspection Report

Once provided the home buyer should review the home inspection report and ask questions of their real estate agent and home inspector to make sure they fully understand any potential condition issues noted.  Home inspectors are generalists and while they can identify issues with particular areas of the home they will usually recommend further inspection be done by a licensed professional (where licensing is a requirement) specializing in the area of concern.  Sellers sometimes may call into question certain repair requests based on their knowledge of the home.  Having a definitive opinion from a professional server contractor can help settle any debate between the buyer and the seller.

Buyer Agrees to Take Home As-Is

If the issues are not major or the issues are something the buyer can deal with on their own (see below) then the buyer can...

How Do Contingent and Pending Statuses Differ in Real Estate?

How Do Contingent and Pending Statuses Differ in Real Estate?

How Do Contingent and Pending Statuses Differ in Real Estate?answers

While looking for your next home online is easier than ever, some things can be confusing. Though a listing marked as “active” is fairly self-explanatory, other terms can be less precise.

The difference between pending and contingent in listings might not be that apparent. If you find a home in the listings, but it is either contingent or pending, what does that mean, and do you still have a chance to buy it?

Contingent vs. Pending

The main difference between pending and contingent is that with a pending listing, the terms and the contract have been completed. But with a contingent listing, some of the stages in the buying process still have to be met.  Not all Multiple Listing Systems (MLS) use both pending and contingent.  The Northern Kentucky MLS and Greater Cincinnati MLS do not use the Contingent status but do use Pending.

Let's look at these in more detail:

Pending Listings

Property under contract with a buyer will be listed as pending. Showing another buyer got there ahead of you to sign a contract with the seller.

Usually, the pending status means the contract terms have been completed, and the sale is pending. So, real estate agents will make ...

What is an Appraisal Gap Clause?

What is an Appraisal Gap Clause?

How Does an Appraisal Gap Clause Work in Real Estate?

When you make an offer to the seller, and they accept, you still need the home to appraise when buying the home with a mortgage.  Even when buying a home with cash the buyer may want to make sure the value meets or exceeds the offer amount.  When buying a home with a mortgage most of the times an appraisal will be required as part of the process.  If there is a difference between the amount offered and the appraised value, the purchase could fall through.  An appraisal gap clause can prevent the transaction from falling through as this article explores.  (Be sure to check out the video down below for more on the appraisal gap clause.)

What are Appraisal Gaps?

When the agreed purchase price of the home is higher than the appraised value, those in the real estate industry refer to it as an appraisal gap. The appraised value is determined by a licensed appraiser hired on behalf of the lender to ensure they aren’t lending more than the home is worth.  For example where a contract to purchase a home is priced at $400,000 and the home actually appraises at $350,000 the lender will not allow the mortgage to be approved unless the purchase price is lowered to $350,000 or the buyer brings additional money to the closing table.  

How much additional money the buyer must bring depends on the loan to value amount the buyer is borrowing based on.  At an 80% loan to value (LTV) ratio the buyer must bring 20% of the total home value as cash to the closing table....

Buying Real Estate With Cash

Buying Real Estate With Cash

Buying Real Estate With Cash

There can be many advantages to buying real estate with cash.  Whether you are buying a home to live in or buying real estate to invest in cash offers grab the seller’s attention.  Buying with cash allows the buyer to save time and close quicker on the purchase if that is what they want to do.  With fewer contingencies a cash offer can be more competitive than a higher priced financed offer.  Learn more about how to use cash to buy investment real estate or buy a home in this article.

Where To Get The Cash

If you happen to have enough cash savings to cover your purchase, then perfect.  Make an offer based on the cash in a readily accessible bank account.  Sellers will want to see proof of funds which means providing a copy of a bank statement showing the required amount of cash based on the offer price.  Even in brokerage accounts where the value of the stock is greater than the offer price can serve as proof of funds for making a cash offer.  Most of the stocks on the NASDAQ and NYSE are readily tradeable and the owner can usually sell their shares quickly in order to raise cash.

Cash that will be coming from Home Equity Line of Credit Loans (HELOC) or some other personal lines of credit (LOC) generally can be easily accessed assuming those accounts are current.  If a buyer needs to apply for the HELOC or the personal LOC then the seller may not be as convinced about the ability of the buyer to make the purchase.  Buyers wanting to use cash from their equity or personal LOC should have applied and been approved...

Timing The Real Estate Market

Timing The Real Estate Market

Timing The Real Estate Market

Timing the real estate market like timing the stock market is easy to talk about but hard to do in practice.  Even those “experts” in the field while offering predictions rarely will offer guarantees as to performance.  For the average real estate buyer or seller, trying to time the market may cause more pain than any gain.  Instead buyers and sellers of residential or investment real estate need to look at their current needs and the financials in order to determine if it is the right time to buy or sell as this article explores.

Why Trying to Time the Real Estate Market May Be a Mistake

Trying to time any market for maximum profit can be a mistake as usually it is difficult to do.  It may be easier to sell during a long term down trend or long term up trend and make some money.  Trying to sell at the high or low for maximum gain can be appropriate where the real estate is for investment purposes.  It may be that the price has reached a point where it makes sense to sell and invest somewhere else.

The homeowner hoping to sell while prices are high and then buy when prices reduce may find themselves losing money overall due to high transaction costs and getting the timing wrong.  If the homeowner has a reason to sell/buy, like downsizing, upsizing, change of job, etc. then it makes sense to sell and consider everything together.  A home should be viewed as something one lives in and not as an investment meant to make money.  When it comes to paying interest on a 30-year mortgage, paying for maintenance and upkeep on the home will probably...

Terminating A Real Estate Contract

Terminating A Real Estate Contract

Terminating A Real Estate Contract

The real estate market is always in a state of change.  Whether it is a buyer’s market or a seller’s market there are times when one party to the transaction wants to cancel it.  Up until the closing paperwork has been signed there is always the ability for one party to walk away from the transaction.  Whether the walking away can be legally done within the terms of the contract is another story.  This article looks at how buyers and sellers can terminate a real estate contract.

Buyer Termination Within the Terms of the Real Estate Contract

The buyer in a real estate contract usually has more options that allow them to terminate than the seller does.  Depending on how the contract is written the buyer can terminate during the inspection period, due to a low appraisal, inability to get insurance on the property, and the inability to get financing.  Those situations do not usually result in an automatic termination though (depending on the contract language).  Instead the buyer needs to take active steps to sign a release of contract hold thisand then send over to the seller for their signature.  The contract release basically provides that both the buyer and the seller agree to terminate the contract and go their separate ways.  

The contract release will usually contain terms as to how the earnest...

Mortgage Payment and Interest Rates

Mortgage Payment and Rising Interest Rates

Mortgage Payment and Interest Rates

The amount of a monthly mortgage payment will be directly impacted by the interest rate that is charged for the mortgage.  Home buyers are usually looking at the total monthly mortgage payment to determine what their budget is for buying a home.  Higher interest rates on mortgages means looking for a home with a sales price that can get to the desired monthly payment a buyer needs.  This article looks at how the interest rate will impact the monthly mortgage payment. 

Fixed Rate Mortgage

A fixed rate mortgage means that the interest rate for the mortgage will remain unchanged for the length of the loan.  So if the mortgage is a 30 year fixed mortgage with a 5% interest rate that 5% will be the same the entire 30 years the homeowner has the mortgage for.  The mortgage term can be also be 15 or 10 year terms depending on what the homeowner opted for when buying or refinancing the house.  With the fixed interest the principal and interest payments will remain the same for the length of the loan but the actual mortgage payment can still be subject to change if the payment includes escrowed insurance and tax payments.  Insurance rates can go up with the price of inflation and taxes as well can increase or decrease based on the value of the home.  In most cases the taxes increase as the home price increases.  What that means is that the portion of the monthly payment locked cashthat is for taxes and insurance can...

Different Statuses For Homes On The Market And What They Mean

Different Statuses For Homes On The Market

Different Statuses For Homes On The Market And What They Mean

When a home is on the Multiple Listing Service (MLS) listed for sale there are different statuses that are reported on the home.  Those statuses help home buyers to know whether a home has accepted an offer, been sold, been removed from the market and even if the home has come back to the market after accepting an offer.  Most MLS systems have similar statuses for real estate listed for sale in their market.  This article looks at the different statuses and what each means.

Timing Of Status Changes

Generally any time the status of a home changes the change on the MLS must be made by some human input.  A real estate agent who is listing the property is responsible for changing the status.  Many MLS organizations require that the agents make their changes within a certain amount of time on the MLS after the status is updated in the real world.  That means if an offer has been accepted by the seller the listing agent should be making that change in status sooner rather than later.  By making the change sooner buyers can take that home off their list and look for other homes and save the time of buyers and sellers alike.  Often, after accepting an offer home sellers want to stop the timingshowings from happening in order to minimize the disruption it can cause.

Active Status

One of the most common statuses on a home listed for sale is the active status.  The active status means the home is on the market and still taking offers.  As noted above there could...

What Is Seller Financing?

What Is Seller Financing?

What Is Seller Financing?

When buying real estate the typical methods for paying are providing cash or getting a mortgage.  One other method which is not very common is buying the property through seller provided financing.  With seller provided financing the owner of the property is basically agreeing to sell the property to the buyer and take monthly payments in exchange.  This article looks at seller provided financing to help buyers understand why it may or may not work.

Seller Financing Terms

With seller financing pretty much everything is negotiable.  The buyer can negotiate how long they want the loan to be, how much down payment they should pay, what interest rate they will be paying and more.  Of course, depending whether it is a buyer’s or seller’s market the negotiating position of the buyer to get the terms that want may or may not be the greatest.  The seller is also the one offering the financing so regardless of the type of market they have more ability to control what they will or will not accept.

A traditional mortgage can have minimum down payments anywhere from 0-30% and terms are typically 7 to 30 years depending on type of real estate involved (commercial vs. residential).  When using seller financing it is highly recommended that the buyer work with a real estate attorney to make sure their interests are being properly protected.  Buyer’s should insist that the real estate title be transferred over to their name and the seller have their financing document be registered on the property as a mortgage lien to protect both sides.

Risks of Seller Financing...

The Importance of Timelines When Buying or Selling A Home

The Importance of Timelines When Buying or Selling A Home

The Importance of Timelines When Buying or Selling A Home

Timelines are critical when it comes to buying any type of real estate.  The timelines set when certain things must happen and if missed the buyer or the seller can lose out on some important rights that they have based on those timelines.  This article looks at what timelines are common when buying or selling a home and the consequences if those timelines are missed.

Common Timelines In A Real Estate Contract

In most real estate contracts, whether for commercial or residential transactions there will be due dates for accepting the offer, inspections, responding to repair requests (including request for price reduction based on repair issues), financing (if used), depositing earnest money, and the closing date.  All the dates listed out in the contract are deadlines that if missed can cause a breach of contract claim.  Both the buyer and the seller each have their own due dates they need to stick to in order to have a smooth transaction.

While an appraisal will generally be required when financing is used (there are some exceptions) usually there is no timeline required for the appraisal.  An appraisal is usually ordered by the buyer’s lender after the home inspection is done.  Since buyers are paying for the appraisal the lender will wait until the buyer gives them the green light to order the appraisal in order to help the buyer save some money if the deal gets cancelled due inspection issues.  Appraisers are an independent part of the real estate process and their part only starts when the lender orders the appraisal.  Most...

Can You Buy A Home With Bitcoin?

Can You Buy A Home With Cryptocurrency?

Can You Buy Real Estate With Cryptocurrency?

With the increase in value that Bitcoin and many other cryptocurrencies have been seeing over the past few years the question that sometimes gets asked is can one buy a house using cryptocurrency.  The answer to that is it depends. Generally, homes in the US are usually bought using US Dollars.  Converting cryptocurrency to dollars does allow one to buy that home with the cryptocurrency they have but is not as direct as it would be if the buyer directly transferred the cryptocurrency to the seller and did not have to convert to dollars.  This article explores the possibility of using cryptocurrency to buy real estate.

What Is A Cryptocurrency?

From Investopedia “A cryptocurrency is a digital or virtual currency that is secured by cryptography, which makes it nearly impossible to counterfeit or double-spend.”  Currency is a medium of exchange which most of us know and use as the dollars and coins in our wallets/purses. defines cryptography as “the procedures, processes, methods, etc., of making and using secret writing, as codes or ciphers.”  So the crypto part of cryptocurrency is the aspect of making it secure from theft and counterfeiting.  We also use digital dollars and cents when we buy things with credit cards or debit cards but that money is not tracked/secured to the level a cryptocurrency would be.  There is a lot more to it than defined/explained above but the quick definition of cryptocurrency is that is a virtual medium of exchange which can...

What Are Some Of The Common Causes Of Delay In Closing On A Home?

common causes of closing delays

What Are Some Of The Common Causes Of A Delay In Closing On A Home?

When buying or selling a home the timelines set by the contract are an important factor.  Getting inspections done in a timely manner, having appraisals done on schedule and going through the mortgage loan process means there are a lot of moving parts to the process for buying or selling real estate.  This article explores some of the common delays and how they are dealt with.

Can A Home Inspection Cause A Delay?

A home inspection can cause a delay in closing for a number of reasons.  If an inspection cannot be done within the time frame requested on the contract the buyer may need to ask the seller for extra time to get the inspection done.  Especially in an active real estate market, home inspectors will be booked out in advance.  The preferred home inspector may not be available nor might any other inspector be available.  Home buyers should be taking account of this and make sure they are requesting enough time for the inspection.

Home inspections will also bring up issues that sometime need to be further explored by a licensed professional in that area.  For instance, electrical, plumbing, HVAC issues are better diagnosed by someone trained and licensed to provide an opinion on the issue.  Home inspectors are more generalists by nature when it comes to the overall condition of the home and usually will let a home buyer know they found something that may be of concern that should be looked into further. 

All of the above can add time to the process.  Buyers may be holding off on ordering an appraisal until after all inspection matters have been resolved.  Since the buyer is responsible for paying for both...

Who Should Be Notified Before You Move

Who to notify before moving

Who Should Be Notified Before You Move

What Businesses and People Should Be Told You're Moving

Are you going to be moving? Moving from home to home is a difficult and stressful time for most people. You need to do things like get boxes, pack all your stuff carefully, and rent a truck or hire professional movers.

One of the many tasks you need to complete when moving is changing your address. You need to understand who to let know you are moving to avoid problems after being in your new home. Knowing how to forward mail will be an essential part of moving you can't forget about.

Some of the companies you need to notify of the move need to be contacted as soon as you know your moving day. We give you a list of businesses and organizations that you need to update with your new address before moving.

Post Office Change of Address

One of the first places you should notify of move intentions is the post office. Their change of address service will forward your mail to your new address for a year.

Notification of moving with the post office can easily be done online through their website. Please fill out their forms at least a week before your moving day to avoid any of your mail going missing. It is always better to make the change as early as possible.

If you need to cancel your address change for some reason, you can always do that later.

Tax Accountant and The IRS

Though you might want to avoid it, you need to inform you about moving with federal and state tax agencies. With the IRS, you can use their...

How Do Real Estate Websites Work?

how do real estate websites work graphic

How Do Real Estate Websites Work?

As a home buyer or seller you may have come across many different real estate websites.  While there are different “brands” of real estate websites they usually all share one thing in common, they show current listings of homes that are available for sale on the market.  Some websites can show which homes are for sale all around the United States whereas others are limited to specific areas.  This article explores how real estate websites work and which websites may be the better option to go with.

Who Owns These Real Estate Websites?

The big nationwide real estate websites like Zillow, Redfin, Trulia, and some others are owned by big corporations.  Those websites get nationwide access to all the multiple listing services woman holding chalkboard question marks(MLS) around the US so they can provide home buyers with current homes listed for sale.  Those national real estate websites and their home listings though may not always be accurate depending on how they get the information for their websites.  Some of them are pulling the information directly from the MLS while others use a third party to pull that information together for them which can result in some delays of status updates on properties.

There are other national real estate websites that have listings from where ever they have a physical presence in the market.  Most home buyers and sellers have heard of the big-name real estate

8 Smart Moving Tips To Help Prevent Yourself From Going Crazy

smart tips for avoiding moving stress

8 Smart Moving Tips To Prevent Yourself From Going Crazy

While the activities of buying or selling a home are not as stressful, the time when people really can melt down is when it comes to moving.  Moving literally involves a lot of moving parts.  Getting the right packing materials, packing up items so as not to break or lose them, disassembling larger items in order to transport them more effectively and not getting injured in the process.  Moving is not easy and moving without a plan is a recipe for disaster.  This article provides eight great moving tips which can help you from having a nervous breakdown.

1.  Hire Professional Movers

Professional movers are worth their weight in gold and can move their weight in gold and then some.  These mover teams are moving many home buyers and sellers throughout the week so they know how to care for the things you care for.  Don’t just pick any mover or the cheapest mover since the results may not impress you.  Professional movers have insurance on themselves and on the items they are moving for you.  So, if something does happen to break or not make it to the final destination at least you can be financially covered.

Movers can do everything for you if you want them too.  Movers will pack up each and every room safely and securely and unpack them in the new house as well.  All the homeowner has to do is tell the movers where to unpack things and let the movers handle the rest.  Make sure to choose movers by either using multiple word of mouth recommendations or one that has stellar online reviews in order to have the best experience.

2.  Plan Ahead

Especially when it comes to hiring professional...

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