10 Ways to Come Up With a Down Payment  

You've found the perfect house. Interest rates are still low. There's just one thing standing between you and your dream home: a down payment.

Don't abandon your homeownership quest just yet. There are few ways to come up with the cash for your new castle:

Use special programs. There are many programs for home buyers in down-payment distress. Borrowers in a wide range of incomes, locales and professional groups may have access to aid from Fannie Mae and Freddie Mac, the government-sponsored offices that buy mortgages and package them as investments. Various nonprofit and community groups also lend a hand to buyers struggling to put money down on a home. And don't forget about assistance from state agencies.  

Tap your IRA. If you're looking to buy your first home, let the Internal Revenue Service help. Tax laws allow you to use up to $10,000 in IRA funds as a down payment if you've never owned a house. If you're married and you both are first-time buyers, you each can pull from your retirement accounts, meaning a potential $20,000 down payment. Even better is the IRS definition of first-time home buyer. Technically, you don't have to be purchasing your very first abode. You qualify under the tax rules as long as you (or your spouse) did not own a principal residence at any time during the two years prior to the purchase of the new home. In these instances, Uncle Sam waives the penalty for early withdrawal, but you may owe tax on the money depending on the type of IRA. Many cash-strapped home buyers, however, find the long-term return of investing in residential real estate is worth the short-term tax bill.

Find out about other ways that may help you to come up with a down payment…  

Have any other (legal) suggestions for coming up with a down payment? Leave us your comment by clicking the comment link below.

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Real Estate: Who's Buying Now?

Changing American demographics and social norms are altering the real estate landscape: the average home buyer is very different compared with buyers of generations past.  

The biggest group of home buyers by far is still married couples, accounting for 61 percent of all homes bought, according to the National Association of Realtors.  But single women now purchase 22 percent of all homes. Single men accounted for only 9 percent of purchases.   According to Pat Vredevoogd Combs, the president of the National Association of Realtors, that shows real change. "Thirty-five years ago, when I started out as a realtor, a single woman couldn't even get a mortgage," she says.   Part of the reason why women have become such a big buying bloc is that more women are single than ever before. The New York Times recently concluded, after an analysis of Census Bureau data, that 51 percent of all American adult women now live without a spouse.  

Read more about the average home buyer now…

What do you think about the average home buyer as presented in the article? Perhaps you have observed the similar tendencies considering the real estate market nowadays.  Share your experiences by clicking the comment link below.

Home Shopping in a Buyers Market 

The housing market finally, after a long while, belongs to the buyer. Home sales and prices sagged in 2006, and 2007 is not expected to be too different.

Don't limit yourself. While you should look for homes that are listed with real estate agents, don't discount properties that are for sale by owner. They make up about 25% of the market, and you may be able to find a good deal with one of them thanks to a lack of agent commission and fees.

Here are a few rules for shopping for a new home in a buyer's market:

• Hold onto a property for a while. Now is not the time to buy a condo or home to flip quickly for a profit. Make sure you buy a property at a good value — you're more likely to have a good sale in the future.

• Take your time. There's no need to rush in this market, so don't worry about putting in the highest bid or writing a check the minute you like a place. Research the neighborhood to find out if the asking price is consistent with other homes in the area.

• Ask for incentives. To sell their homes, owners may be willing to throw in extras such as appliances, work sheds, drapes or even patio furniture for the asking price. Try negotiating some extras.

• Shop around for a mortgage. To get the best deal available, ask for as many quotes as you can. If you get a pre-approved mortgage, you'll have even more leverage at the negotiation table.

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How We Get Paid 

Consumer advocates strongly recommend that buyers hire their own agents. They further argue that a coop-fee has already been built-in to the purchase price, and therefore, there is no need for the buyer or seller to incur additional fees when the cooperating agent represents the buyer.

 
Why would a Buyer Agent want to negotiate a lower price for the Buyers?  Won't that reduce your commission?

 
The way a Multiple Listing Realtor Co-Broke normally works is that on a 5% commission* (*used as an example rate only), 2.5% would go to the Listing Agency and 2.5% to the Buyer Agency on behalf of the Homebuyers. The commission is then split again 50/50 between Buyer Agency and the Buyer Agent.

 
Thus for every $1,000 that we reduce the sales price for you, your Buyer Agent's commission will only be reduced by $12.50. It is our job to make sure that you are an extremely happy, fully educated Real Estate consumer.

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Welcome to Cape Cod!

Cape Cod forms a continuity with a line of islands stretching toward New York, historically known by naturalists as the Outer Lands. The continuity is due to fact that they are all terminal glacial moraines laid down some 15,000 to 20,000 years ago.

Cape Cod consists of four portions: The Upper Cape is the section of Cape Cod closest to the mainland. This portion of the Cape includes the towns of Bourne, Falmouth, Mashpee, and Sandwich. While part of the town of Barnstable is located on the Upper Cape, it is more commonly considered to be in the Mid-Cape area. Falmouth is the home of the famous Woods Hole Oceanographic Institution and several other research organizations, and is also the most-used ferry connection to Martha's Vineyard. Falmouth is composed of several separate villages, including East Falmouth, Falmouth Village, Hatchville, North Falmouth, Teaticket, Waquoit, West Falmouth, and Woods Hole, as well as several smaller hamlets that are incorporated into their larger neighbors (e.g., Davisville, Falmouth Heights, Quissett, Sippewissett, and others).

The Mid-Cape includes the towns of Barnstable, Dennis and Yarmouth. The Mid-Cape area features many beautiful beaches, including warm-water beaches along Nantucket Sound, e.g. Kalmus Beach in Hyannis, which gets its name from one of the inventors of Technicolor, Herbert Kalmus. This popular windsurfing destination was bequeathed to the town of Barnstable by Dr. Kalmus on condition that it not be developed, possibly one of the first instances of open-space preservation in the US. The Mid-Cape is also the commercial and industrial center of the region. There are seven villages in Barnstable, including Barnstable Village, Centerville, Cotuit, Hyannis, Marstons Mills, Osterville, and West Barnstable, as well as several smaller hamlets that are incorporated into their larger neighbors (e.g., Craigsville, Cummaquid, Hyannisport, Santuit, Wianno, and others). There are three villages in Yarmouth: South Yarmouth, West Yarmouth and Yarmouthport. Cape Cod's beaches and dunes lure travellers from all over the world. 

The Lower Cape is the narrower portion of the cape, where it bends sharply to the north. This section includes the towns of Brewster, Chatham, Harwich, and Orleans.

The Outer Cape is the outermost part, containing the towns of Eastham, Provincetown, Truro, and Wellfleet. This area is home to some of the most popular beaches in America, namely Coast Guard and Nauset Light beaches in Eastham.

Please leave us any comments or questions you have and we'll be sure to get back to you!  And thanks for visiting!

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