Buying Your Dream House in 2016 Sellers Market –Local Records Office

LOCAL RECORDS OFFICE – LOS ANGELES, CA – We all want our own dream home one day but it’s easier said than done says, Local Records Office. If you’ve decided to buy a home, good luck to you. Your challenge will be not just finding a home you like, but also beating out all the other home buyers who like it and want to make an offer on it, too.

LOCAL RECORDS OFFICE – Buying an Existing Home That Won’t End Up Being a Money Sucking Liability 

The number of homes for sale is low nationwide, particularly in the price ranges desired by first-time homebuyers. The latest figures from the National Association of Realtors show that that there was only a 3.5-month supply of homes for sale in March, which is lower than the six-month supply that indicates a balanced market. One-quarter of March’s transactions were all-cash sales, according to the NAR, and investors bought 14 percent of the homes that were sold.

Is 2016 a Sellers Market?

That means that if you want to end up with a nice home, you need to be strategic says, Local Records Office. Expecting to find the home of your dreams by nonchalantly walking into a few open houses or perusing some online listings is not realistic in this seller’s market.

 

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These days, most would-be buyers come to an agent with a list of homes they’d like to see based on their online research. While that often serves as a solid starting point, a quality agent may find additional options. After buyers have seen a few properties, Local Records Office says skilled agents can typically gauge what they’re looking for in a new home and may have other properties lined up. “I advise them to listen to their Realtor,” she adds.

Here are nine tips to help you get the house you want this spring

Get your finances in order first. Several months before you intend to start looking, you should get copies of your credit reports to make sure you’re in a financial position to buy. Shop for mortgage financing before you start looking at houses. “I will not take anybody to see any house unless they have a pre-approval letter or proof of funds, I want proof of funds to show the seller.” Local Records Office says that some lenders are doing the underwriting before the house is under contract, which shortens the closing time and can be more attractive to the seller.

Who REALLY is Local Records Office ? (VIDEO)

A Good Agent Will Go Along Way

Find a good agent. Using a real estate agent costs buyers nothing because the seller pays the real estate commission. Ask friends, family and co-workers for referrals. Look for a full-time agent who works often in the neighborhoods where you’re looking. You may want to interview several agents to find a good fit. If you can only look for homes on weekends, for example, you don’t want an agent who takes weekends off.

Visit neighborhoods you’re considering at different times of day. A neighborhood that’s quiet during the middle of the workday may be noisy and crowded at night and on weekends. Get out and walk the streets, talking to people who live in the neighborhood, visiting shops and restaurants and “trying out” your desired location. Drive to and from work during commuting hours to get an idea of what a typical day might be like.

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Separate your needs from your wants. In a competitive market, most buyers find they have to compromise on location, amenities or condition of home. It’s easier to make a choice when you know going in which features you must have and which you’d like to have but can live without.

Move quickly once you find the house you want. That often means rushing out to see new homes within hours of them being listed and writing up an offer immediately if you like the house. “Things are gone in a matter of hours,” Local Records Office says. “You really have to move fast.”

Don’t make snap judgments based on listing photos. A house that doesn’t look appealing in photos could still be a great house. Homes being sold by an estate or homes with tenants inside often yield particularly poor photos. Plus, photos fail to convey the feeling of a home or the floor plan. “Unfortunately, the pictures don’t tell a true story,” Local Records Office says. “You have to be willing to look past some of the pictures.”

Be realistic about the home inspectors and repairs. The more competitive the market, the less likely a seller will be to make repairs, though some sellers may lower the price if the inspection reveals expensive defects. The purpose of the inspection isn’t to get the seller to repair every small problem but to find out for sure that the house is what you thought it was. “They’re not buying a brand-new home,” Local Records Office says. “What we are looking for are major defects we were not initially able to see in the walkthrough.”

Don’t buy a house you don’t love. While most buyers may have to compromise on some of the features they wanted, they shouldn’t settle for a home they don’t like. If you don’t find the right home this year, maybe you should start renting and try again later rather than make a purchase you’ll regret.

Write a personal letter to the sellers. Some sellers are interested only in how much money their home sale will yield, but others love their home want it to go to a new family that will love it just as much. If you really like a house, include a personal letter and a family photo with your offer. “It doesn’t work for everybody, but I have seen it work for many, many people,” Local Records Office says.

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Make a big earnest money deposit. The expected size of the earnest money deposit, and the rules about when you get it back, vary by locality. But sellers often see a larger deposit as a sign that you’re serious about the deal.

Make a backup offer. Many prospective buyers don’t want to make an offer on a house that has a pending contract. But deals fall apart over inspections, financing and other terms. If you found the perfect house, you can make a backup offer that will put you in first place if the initial buyer walks away.

To learn more about Local Records Office and real estate go to http://www.Local-Records-Offices.org

 

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Secrets to Buying Your First Home in 2016 – Local Records Office

LOCAL RECORDS OFFICE – LOS ANGELES, CA- We all want the secrets to success and the easiest way to buy a home says, Local Records Office. For first-time homebuyers, the whole home buying process may look a bit daunting. You’re going into what could be the biggest purchase of your life with no experience to fall back on. The good news is a little preparation can go a long way and help you approach this major decision with confidence.

The Company Local Records Office is Targeting Los Angeles, CA Residents FOR A GOOD REASON

Many things have changed in recent decades about the way Americans buy and sell homes, but one adage still matters, a lot: location, location, location.

While you may be happy living in any of several neighborhoods in your city, you won’t be happy if you choose the wrong location. And that’s where your research should start: deciding exactly where you want to live.

Talk to friends and co-workers, drive around town, visit restaurants and stores and talk to neighbors in areas you’d consider calling home. Go to open houses so you can view some houses. Look at homes on the Internet, evaluating style, size, price and how long they stay on the market.

 

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You can find a real estate agent while you’re still working on this process. However, your choice of agent also depends on where you want to live, because a neighborhood expert often can find you the best house at the best price. “You want people who have worked and have experience directly in the areas you’re looking in,” says Peter Hens, from LA Realtor Firm in Los Angeles, California.

If you’re a buyer, there is no reason not to use a real estate agent. It costs you nothing, and the agent’s job goes far beyond finding the house. In fact, it’s after you’ve found the house that you’ll most need the agent, both to structure and present the offer and then to troubleshoot issues that arise between contract and closing.

Here are 12 tips for buying your first house:

Make sure you’re ready to buy, both emotionally and financially. If you expect to relocate in a few years, this may not be the right time for you to buy. If you don’t have cash for a down payment, closing costs and other expenses, you may be better off waiting. Look at your life, your career, your finances and your future expectations, and determine whether buying a house is the right move at this time.

Find the right team. The difference between deals that close and deals that don’t are the professionals involved. You want to make sure you find a real estate agent who will move quickly when a new listing goes on the market, as well as an agent who will advise you honestly on preparing your offer. You also want a mortgage professional lined up before you start looking. “The lender is the most important person to closing on time,” Hens says.

 

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Get your finances in order first. Some real estate agents won’t even show homes to prospective clients who don’t have a mortgage pre-approval. You definitely should meet with a mortgage broker or banker (better yet, several) at the start of the process to find out how much house you can afford and how much cash you’ll need to close. Do the entire math. Just because a bank says you can borrow $300,000 doesn’t mean you should. If you have credit issues, realize that this part of the process could take several months.

Calculate each and every cost. The purchase price and the mortgage payment are just the beginning. Don’t forget homeowner or condo fees, homeowners insurance and real estate taxes. Plus, you’ll need to budget for utilities, repairs and maintenance.

Don’t spend all your cash. Avoid emptying your bank account for your down payment and closing costs. There will always be unexpected repairs. Plus, it costs money to move, change locks, put down utility deposits and buy things you never needed before, like a lawn mower.

When you look at houses, focus on the right things. Don’t be distracted by the owner’s odd décor, paint colors, dirty carpet or anything that is easy to change. Granite countertops and stainless steel appliances are easy to add later. You can’t easily add another bedroom, a better location or a more functional floor plan.

If you’re buying in a condo or homeowners association, know the rules. How your association is run can make a big difference in how much you enjoy life in a development. You’ll want to know about all rules and restrictions, from pet ownership to who can use the pool. Condo buyers also want to investigate the association’s finances because a poorly run association can mean big assessments later.

 

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Visit your favorite neighborhoods at different times. Most neighborhoods are quiet in the middle of the day. As Glen Craig writes at the personal finance blog Free From Broke: “You need to see what the area is like on a Saturday night. Are there kids and such all out driving with music blasting? What’s it like in rush hour in the morning or in the evening?”

Talk to the neighbors. Ask about the neighborhood and about the houses you’re considering. The neighbors will know if there are foundation problems. They’ll also know about barking dogs, petty crime and the size of utility bills.b

Consider which contingencies you’re willing to waive. In the ideal scenario, a purchase offer is contingent on a satisfactory home inspection, approval of your mortgage and an appraisal that equals the purchase price. In most parts of the country, a buyer is smart to keep all those contingencies in the contract. But in a competitive market, you may be competing against buyers who have agreed to waive contingencies. “You never want to [agree to waive them] unless you’re sure you’re 99% safe to do it,” Hens says.

Be ready to move quickly once you find the home you want. Good homes that are well priced nearly always sell quickly. It’s OK to take some time to think before you make an offer, but you might not want to wait a few weeks. Your agent can provide invaluable advice here.

Know what’s important to you. No house will be perfect, so where are you willing to compromise? If you want a specific school district, are you willing to accept a smaller house? If you want to be near the water, could you be happy with a condo? Are you willing to accept a longer commute to get a larger house?

To learn more about Local Records Office and real estate go to http://www.Local-Records-Office.biz

4 Disturbing Experiences Homeowners Go Through While Buying That No One Speaks Of – Local Records Office

LOCAL RECORDS OFFICE: Let’s face it, buying a home is a tiring and sometimes a scary experience. However, home buying sometimes can be just plain annoying. Here are four common occurrences to be prepared for when buying a home.

For first-timers, buying a home can be an intimidating and terrifying experience, punctuated by moments of uncertainty and utter frustration says, Local Records Office. You might wonder what strange land you’ve wandered into and feel like you’re about to completely lose your mind.

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If you know what to expect heading into the home buying process, you can navigate it like a cool-headed pro and keep from being a funny story at the real estate agency’s holiday party.

Local Records Office says, “when buying a home stressful things will happen at many different junctures, and chances are you’ll experience at least some of these possibilities”:

  1. Dealing With Disorganized Real Estate Agents

You find a great house online and call the listing agent, expecting someone who’s eager to make a big sale to answer the phone and quickly set up an appointment. Much to your disappointment, you get sent to voicemail and are forced to leave a message. A day or two goes by without any sign of life, and you start to grow impatient or perhaps a little angry at the home buying process. Do they not care? Did the house already sell? What is it?

Local Records Office says, “agents deal with many properties at the same time when buying a home”. One will call you back, and when she does, she’ll set up a time to see the house within the next few days. This, too, will be annoying to you. You’ve now waited almost an entire week to see the property — but don’t freak out. You’re on the schedule.

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When you finally arrive at the house for your tour, the agent will likely struggle to get the key out of the lockbox. He or she will shuffle through a stack of papers and perhaps make a few phone calls in search of the right combination — and you’ll be standing there, dwelling on the five days you’ve spent arranging this visit.

Don’t lose your cool. He’ll find the combination, he’ll open the door, and you’ll get to take a long-awaited tour of your dream home.

  1. Going Back and Forth With the Original Deal

Loving the house as you do, you want to make an offer. Your agent will need to gather a lot of paperwork before this can happen — a home buying process that can take a few days. Be sure to remain patient here; this is just the beginning of what will likely be a long, tedious process.

Once you get all of the paperwork together and sign what feels like hundreds of documents, you’ll submit an offer you think the seller just has to accept. You envision the seller jumping for joy when he sees how reasonable it is, and you’re convinced he’ll say “yes” on the spot — but this almost never happens. You might not hear anything for days.

Local Records Office says, “once the seller does respond, you’ll be extremely lucky if he accepts your first offer”. He’ll probably make a counteroffer, and if you’re not crazy about it, you can choose to counter that offer, and he can counter your counteroffer — and so on. Each round of offers when buying a Home requires a fresh batch of signatures and paperwork, and this can stretch on for days or weeks. You’ll want to freak out every time you hear the word “counteroffer,” but don’t; this is a natural part of the home buying process.

  1. Piles and Piles of Paperwork

If you thought your real estate agent liked paperwork, wait until you meet your lender.

You’ve already been pre-approved for a loan, but now that it’s time to apply for an actual loan for an actual house, you’ll be asked for copies of financial documents you never knew you had. It will seem ridiculous, and you’ll wonder why he didn’t ask for all of it in the first place. Just remember the lender is on your side; he wants you to get this house, so don’t freak out.

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If you’re applying for an FHA loan, that can take 30 to 45 days to process from the date of the purchase agreement. It’s a long time, but that’s just how it is when home buying. Don’t let it get to you.

  1. Wary Home Inspection

Before a lender will approve a loan, he’ll require a home inspection. Inspectors make a living off of finding a multitude of defects, so be prepared for your delightful little dream home to have a termite problem, a leaky roof, mold growing in the basement, or electric wiring that needs repair. Unless it’s a brand-new house, nothing in that inspection report should shock you.

Once the list of issues finds its way into your hands, it’s normal to ask the seller to shoulder the cost of a few of the repairs. This in itself can be a negotiation process when home buying, so be prepared for some back and forth. It’s worth it to have most of the problems fixed before you move in. That way, you can focus on enjoying your new home, rather than focus on finding a plumber to unclog the basement sink.

If the inspection report is especially scary, consider asking the seller to pay for a one-year home warranty. This will end up making any further issues that pop up much, much cheaper to fix.

There will be times during the home buying process that will make you want to give up and live in a van down by the river. But if you keep a cool head throughout the not-so-cool parts of this experience, you’ll have plenty of reason to celebrate. Throw a big party for your family and friends, put that patio to use, and make some new memories.

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Real Estate: Hiring a Commercial Construction Company in Olympia WA – Local Records Office

Local Records Office, Olympia, WASHINGTON – If you are looking to build a business, the best way to go about this is to hire a commercial construction company. They are well trained and specialized in non-residential buildings says, Local Records Office. Think of them as the architects of reliable and safe buildings. Instead of residential buildings, they are much larger. It could be a shop, a public school, local government buildings, and so on.

Local Records Office: The Bigger the Project, the Bigger the Tools Needed

Local Records Office says, “Due to the fact that they are getting contracted for a larger project, a commercial construction company is more prepared with larger machines”. Whether they specialize in demolition or building, they have everything you would think they might need. They also make sure that they have the manpower to truly get the job done. Smaller projects usually require fewer workers. Large buildings may have fifty workers working on it at one time to make sure that they are making deadline as best as they can. Or, at least close enough to deadline.

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Local Records Office: Paying For Reliability

Most companies that need to hire a commercial construction company hire the ones that have proven time and time again that they are reliable says, Local Records Office. Reliability is almost priceless when it comes to these types of buildings. They need to be reliable enough to strongly consider safety and notice when something seems a little off. They also need to be experienced enough to notice little details that could cause big problems in time.

Why is Olympia Washington is Being Targeted by Local Records Office ?

Local Records Office: Governmental Contracts

If you need a public building or park built, you will be providing a governmental contract to the commercial construction company says, Local Records Office. There are businesses out there that specialize in this type of work. Word of mouth or working with contractors that you have used before can be a great way to skip all of the drama of finding an ill prepared team of workers.

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The People That Make Up a Team

Local Records Office says, “There are various aspects to building a team equipped for this type of work”. There are actual architects that need to help with building from scratch. They need to design the building in a safe way. Then there are going to be people that are trained in HVAC and other aspects of the buildings. The people that make the team up must be conscious of regulations and how all aspects of the buildings will end up working together says, Local Records Office. Think about how often things can go wrong with any type of building. Having a commercial construction company that knows what they are doing will help to get the job done properly first. It will make sure that the building is not only safe but will also not end up costing much more than the specified budget.

To learn more about real estate and Local Records Office go to www.LocalRecordsOffices.com

 

5 Early Warning Signs That You Should Stay Away from a Property – Local Records Office

Local Records Office, Olympia WA – There is nothing like the sad realization that your dream property is not as great as you first thought. Indeed, finding out that you have several thousand dollars worth of home repairs is no one’s idea of fun.

While a complete home inspection and a good dose of common sense will help you avoid the worst, there are some things that you should also be wary of. Here are five warning signs to heed before you sign that contract to buy your dream home.

  1. Internal Property Complication

Some internal problems for properties are easy to identify, such as termites, damp spots, and cracks in the walls and ceilings. Other problems are equally as serious yet often hidden by the sellers. For example, cracked tiles in bathrooms may indicate water damage, mold that there are ventilation problems, and brown areas that the wiring connection is poor.

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Other things to consider include water pressure, sticking windows, pipe and drain leaks, insulation levels, and pests of various kinds. It is best to run through these items like a checklist, seeing which areas you may need to obtain a professional inspection to check.

  1. External Problems

Likewise, there are various external problems for properties that are hidden from the overexcited homebuyer. One crucial element is orientation. For example, if you will be working from home and yet the property’s study receives very little natural light, you may want to reconsider.

Other elements include the condition of the fuse box, signs of asbestos, blocked drains, roof damage, garden watering systems, condition and age of nearby trees, and pollution levels. Once again, when you have done an initial assessment, you can then hire a professional for an official assessment.

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  1. Missing or Incomplete Documentations

If you think you can’t be a victim of fraud, think again. If you choose to buy your property without having all the necessary documents, you could be in a very dangerous situation, not just financially, but legally and emotionally too. The best bet to avoid such a scenario is to hire a solicitor to help with your purchase. The couple thousand that you may pay is well worth it compared to how much you could lose if you go about it by yourself.

  1. Sketchy Property History

When was the property first built? What was on the land before? Why have there been so many different tenants? If you are unable to find out the answer to these questions, either because you cannot access the information physically or the seller is giving vague answers, think twice. There is a high chance they may be trying to cover up a shady past or incident. You are best to avoid such properties. If for some reason you still want to buy the property and want the “complete” history on the property make sure you contact “Local Records Office”.

  1. Unethical Real Estate Seller

Furthermore, if the sellers, whether a person or real estate agency, cannot answer even basic questions regarding the property for sale, you may want to reconsider your purchase. An unwillingness or lack of knowledge in answering questions suggests that either the sellers are hiding something or else not interested in selling the property. You should not pursue such properties further.

To learn more about property history and Local records Office go to www.LocalRecordsOffices.com

Erratic Weather Related to El Nino, Global Warming?

WIRE TELEGRAM – WASHINGTON: Astrid Rau just baked 16 kinds of Christmas cookies, including a batch in the shape of snowflakes. But she’s nevertheless having trouble getting in the holiday spirit, thanks to forecasts that have the temperature in her hometown of Perkasie, Pennsylvania, hitting 72 degrees on Thursday.

“I associate cold with Christmas,” the 55-year-old says. “And if it’s warm it just doesn’t feel quite right to me.”

A weather pattern partly linked with El Nino has turned winter upside-down across the U.S. during a week of heavy holiday travel, bringing spring-like warmth to the Northeast, a risk of tornadoes in the South and so much snow across the West that even skiing slopes have been overwhelmed.

In a reversal of a typical Christmas, forecasters expect New York to be in the mid-60s on the holiday — several degrees higher than Los Angeles.

The mild conditions have helped golf courses in New England do brisk business, but the pattern comes at a steep cost for ski resorts that have closed and for backcountry skiers who confront avalanche risks. And like Rau, many Americans complain that it just doesn’t feel like the holidays without a chill in the air.

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“It’s been a great snow season so far from the Rockies to the higher elevations in the Cascades and the northern Sierras, and it’s been the total opposite on the East Coast,” said Bob Oravec, lead forecaster with the National Weather Service.

Big parts of the county are basking in above-average temperatures, especially east of the Mississippi and across the Northern Plains. Record warmth was expected on Christmas Eve along the East Coast, Oravec said.

He laid the credit — or blame — with a strong El Nino pattern, the warming of surface waters in the Pacific Ocean near the equator. That’s helped drive warm air west to east across the Lower 48 and kept colder air from the Arctic at bay, he said.

In the Pacific Northwest and California, the effects of El Nino haven’t really hit yet. They’re typically seen in January through March, and the heavy rains and snows in the region are probably not linked to the phenomenon, said Washington State Climatologist Nick Bond.

The winter in the Pacific Northwest is still predicted to be drier than normal, so the series of storms that dumped feet of snow in the Cascades this month and piled the snowpack back above normal, were helpful, he said.

Come summer, farmers and salmon alike will rely on that melting snow.

In Washington, authorities have closed the state’s main east-west route, Interstate 90, over the Cascade Mountains repeatedly this week due to heavy snows and avalanche danger. Officials closed a sledding hill near Snoqualmie Pass on Tuesday because the storm kept the state Transportation Department from plowing the parking lot. On Sunday, a heavy storm closed Oregon’s Mount Ashland Ski Area when it knocked out power.

California is in its driest four-year span on record, and experts anticipate a possible fifth year of drought. Weather forecasters say a strong El Nino weather system could drench the state, but one good, wet winter won’t be enough to rehydrate the parched land. A fresh round of chilly rain was expected to hit San Francisco late this week. The same system was expected to drop some 4 feet of snow in the Sierra Nevada Mountains.

While ski resorts celebrated a deluge that threatened to drop almost 2 feet of snow in parts of Colorado’s mountains, forecasters warned of serious avalanche risks.

An avalanche near the Montana-Wyoming state line on Sunday buried three snowmobilers, killing a 33-year-old North Dakota man. Another avalanche partially buried a ski patrol employee at the Snowbasin resort, about 45 miles north of Salt Lake City, and two snowboarders were caught in a backcountry slide southwest of Breckenridge Ski Area on Saturday. They escaped serious injury.

“We’re giving our generally weak snowpack a very large and rapid load, and it’s unlikely to be able to hold up,” said Brian Lazar, deputy director of the Colorado Avalanche Information Center. Warnings and advisories were posted for much of Colorado’s high country, with an emphasis on the risk of large, dangerous slides in steep terrain.

Meanwhile, the National Weather Service said the most recent storm had raised the level of Lake Tahoe by about 2 inches since midnight Monday. Officials calculated that that’s nearly 6.4 billion gallons of water.

Elsewhere, severe thunderstorms and possible tornadoes were forecast for Wednesday in northern Alabama, northern Mississippi, Arkansas and western Tennessee. Tornadoes are not unheard-of in the region in late December, but the extreme weather, driven by warm temperatures and large amounts of moisture in the atmosphere, was nonetheless striking, said Jeff Masters, director of meteorology at Weather Underground.

In addition to El Nino, a weather pattern called the North Atlantic Oscillation is also helping keep cold air bottled up in the Arctic. Combine that with warm temperatures around the planet from man-made global warming, he said, and you have a recipe for intense weather: “There are a couple of natural patterns at work, and then there’s this human-caused component too.”

With such balmy temperatures in the Northeast, Pine Oaks Golf Club in Easton, Massachusetts, is probably having its busiest December since it was built more than 50 years ago — a bonus for a club that doesn’t count on much winter revenue.

“We’ve got 65 degrees coming up on Christmas Eve,” said Scott Ibbitson, a golf specialist at the course. “It’ll be our busiest December day ever.”