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- What is a Power of Attorney?
A real estate transaction can generally be handled by your attorney in fact appointed by a power of attorney form. We offer several Power of Attorney forms for real estate matters.
- What is Adjustable Rate Mortgage (ARM)?
A mortgage with rates and terms that can change. The adjustable rate loan has become commonplace, with allowable ranges as to time intervals, percentage of increase or decrease and total increases or decreases likely to change as market conditions change.
- What is an Agency?
A relationship created when one person, the principal, delegates to another, the agent, the right to act on his or her behalf in business transactions and to exercise some degree of discretion while so acting. An agency gives rise to a fiduciary relationship and imposes on the agent, as the fiduciary of the principal, certain duties, obligations, and high standards of good faith and loyalty.
- What is a Balloon mortgage?
A short-term loan, usually at a fixed interest rate, paid back in equal monthly payments, with a final "balloon" payment for the remaining balance.
- Should I Buy my next home before or after I sell my current home?
Often I get asked this question - the answer is not simple. There are two situations you probably want to avoid. The first is situation is if that you find and buy your dream home before you've sold your current home, you may be faced with carrying two mortgages for a while, this can get expensive.
The other situation is that you have an excellent purchaser for your existing home before you've found your next home, thus, you may find yourself living at your in-laws for a few months if convenient closing dates can not be negotiated. As you can see, this can sometimes become a tricky situation.
- What are the positives and negatives to home ownership?
Buying a home means more than simply making a monthly mortgage payment. It also means paying taxes, maintenance costs, and insurance premiums. If you buy a condo, town house, or co-op, you're also taking on the added responsibility of monthly assessments for maintenance of the commonly held property. If you're a home owner, you shoulder the burden of home maintenance yourself. If the roof leaks, you have to fix it. If the boiler breaks, you must replace it. There is no landlord to call.
- What do you mean by REALTOR® in real estate?
A registered trade name that may be used only by members of the state and local real estate boards affiliated with the National Association of REALTORS® (NAR). The term REALTOR® designates a professional who subscribes to associations of REALTORS® to govern real estate practices of members of the board. The use of the name REALTOR® and the distinctive seal in advertising is strictly governed by the rules and regulations of the national association.
- What do you mean by real estate?
The physical land at, above and below the earth's surface with all appurtenances, including any structures; any and every interest in land whether corporeal or incorporeal, freehold or nonfreehold; for all practical purposes, the term real estate is synonymous with real property.
- What all does a Sales contract contain?
A real estate sales contract contains the complete agreement between a buyer of a parcel of real estate and the seller. Depending on the area, this agreement may be known as an offer to purchase, a contract of purchase and sale, a purchase agreement, an earnest money agreement or a deposit receipt.
- What is Zoning?
The regulation of structures and uses of property within designated districts or zones. Zoning regulates and affects such things as use of the land, lot sizes, types of structure permitted, building heights, setbacks and density (the ratio of land area to improvement area).
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