Home Inspections Avert Future Headaches

The recent drop in home sales has many sellers offering incentives to buyers. Buyers ready to purchase shouldn’t pass up the opportunity to buy a home at this time. With incentives from sellers to assist with the buyers closing cost and lender fees this could mean a savings of several thousand dollars when purchasing your home. With many sellers willing to consider an offer less than the listed price plus the incentives this could amount to huge savings.

Call us today so we can start you on your way to owning a home for less than you thought you would have to pay. This market will be gone soon so act fast before it is too late. Remember those who buy before the end of the 2007 will be able to qualify for their 2008 homestead property exemption. This could mean a savings of $500 to your average property taxes if you buy before January.

Home Inspections Avert Future Headaches

Suppose you bought a house and later discovered, to your dismay, that the stucco exterior concealed a nasty case of dry rot. Or suppose that when you fired up the furnace in the winter, you discovered a cracked heat exchanger leaking gas into your home. The best way to avoid unpleasant surprises like these is to arrange for a home inspection before you buy.

Home Inspections Help You Avoid Unpleasant Surprises

A good home inspection is an objective, top-to-bottom examination of a home and everything that comes with it. The standard inspection report includes a review of the home’s heating and air-conditioning systems; plumbing and wiring; roof, attic, walls, ceilings, floors, windows, doors, foundation and basement.

Getting a professional inspection is crucial for older homes because age often takes its toll on the roof and other hard-to-reach areas. Problems can also be the result of neglect or hazardous repair work, such as a past owner’s failed attempt to install lights and an outlet in a linen closet.

A home inspection is also a wise investment when buying a new home. In fact, new homes frequently have defects, whether caused by an oversight during construction or simply human error.

Getting an Inspector

Real estate agents can usually recommend an experienced home inspector. Make sure to get an unbiased inspector. You can find one through word-of-mouth referrals, or look in the Yellow Pages or online under “Building Inspection” or “Home Inspection.”

Home inspections cost about a few hundred dollars, depending on the size of the house and location. Inspection fees tend to be higher in urban areas than in rural areas. You may find the cost of inspection high, but it is money well spent. Think of it as an investment in your investment – your future home.

Some builders may try to dissuade you from getting a home inspection on a home they’ve built. They may not necessarily be trying to hide anything because most builders guarantee their work and will fix any problems in your new home before you move in. Some builders, in fact, will offer to do their own inspections. But it’s best to have an objective professional appraisal – insist on a third-party inspector.

An Inspection Will Educate You about Your House

Education is another good reason for getting an inspection. Most buyers want to learn as much as they can about their purchase so they can protect their investment. An examination by an impartial home inspector helps in this learning process.

Ask if you can follow the home inspector on his or her rounds. Most inspectors are glad to share their knowledge, and you’ll be able to ask plenty of questions.

Inspection Timing and Results

Home buyers usually arrange for an inspection after signing a contract or purchase agreement with the seller. The results may be available immediately or within a few days. The home inspector will review his or her findings with you and alert you to any costly or potentially hazardous conditions. In some cases, you may be advised not to buy the home unless such problems are remedied.

You could include a clause in your purchase agreement that makes your purchase contingent upon satisfactory inspection results. If major problems are found, you can back out of the deal. If costly repairs are warranted, the seller may be willing to adjust the home’s price or the contract’s terms. But when only minor repairs are needed, the buyer and seller can usually work out an agreement that won’t affect the sale price.


The Real Estate Investing Guidelines


The economy may not be as strong as it used to be, and you should use that to your advantage. Now is the time to become an investor in real estate career. You now have the basic knowledge in real estate by looking on to read the great tips below.
Always try to find out what the local values. Mortgages and rent costs will allow you a house is worth.
Dedicate a set quantity of your time to learning about and making real estate investments. You might have to curtail your time spent on other activities that could cost you later. Ditch the poker night or another guilty pleasure so you go to in order to become a better investor.
Stick with a niche that you feel comfortable doing. You can have much more success at real estate investing if you stay focused within your market segment. Whether you’re buying and selling homes, low down payment investments, or starter homes, stick with the things you are familiar with.
Don’t invest a huge amount of money in real estate with doing the field first. Errors in this field can generate some major losses if you don’t watch out.
If you are thinking of renting out your investment property, make sure you are choosy about your tenants. The person will need to be able to afford both rent for the first month along with a deposit. If they cannot come up with the money, there is a greater potential that they will be unable to maintain payments. Keep on looking for a better tenant.
Be very patient when first starting out. Your first deal out of the gate can be expected to take a lot longer than usual.Don’t become impatient and make less than perfect situation will arise. That is a good way to use your money. Wait until the right investment to come along.
You will live near your rental property so you won’t have to constantly worry about what’s happening in the neighborhood as much since you’ll be close to it. The true way you have any control the investment is if you are near enough to manage it yourself.
Do your research prior to investing in. There is usually a website created for a particular city. You may discover city planning details and other info that might impact real estate values in the future. A city that is growing is a good investment.
Don’t purchase property unless you don’t have a cash reserve set aside. The cash you place aside can be used for repairs and other costs. Another reason it is important to have reserve cash is in case you aren’t able to rent the property. You will have expenses to pay even when the property is unoccupied.
Don’t totally leverage out in order to snag a real estate transaction. You should always have available cash reserves in your portfolio for unexpected crops up.
Always have some idea what the future economic forecast is for a county you are interested in. High unemployment and lack of decent jobs keep property prices. You will only get a small return.A large city will drive up property worth more.
Make certain to have the property for needed repairs before purchase and plan on investing money into those repairs. Repairs need to be completed before selling the house. Factor maintenance budget if you plan on renting the property.
Start with a single property. Though you may be tempted to purchase multiple listings at once, you can make big mistakes early in the game. Begin with one and learn more about the strategy you go along.This will be beneficial for you to learn the game without many distractions.
Figure out the best type of building you can maintain with ease. Buying a property is just one aspect of what real estate investment. You should consider how you will maintain the property in order to sell it later. One-story homes are easier to work on than multi-family properties. Don’t get more than what you are able to handle.
The time for investing in real estate is when there are low prices, and that time is now. Many people that have invested in real estate are successful because they are educated. You can also join the great investors by using the insider information from this article.

Short Sale vs Foreclosure – Real Estate Short Sales

Fargo mortgage-fraud suitUnited States prosecutors sued Wells Fargo on Tuesday, accusing it of lying about the quality of the mortgagesNo Down PaymentArizona has down payment assistance program. No down payment program availible on first come, first servedTo choose between foreclosures or short sales.  In order to make the right decision, every borrower should weigh the pros and cons of each scenario. The following information highlights some the most important differences between a short sale and a foreclosure.

Effect on Credit Rating and Credit Score

A short sale is often sought by a homeowner who would like to avoid the stigma of a foreclosure. The biggest drawback of a foreclosure is the black mark that it leaves on a person’s credit rating. Indeed, a foreclosure can bring down a FICO score by a whopping 200 to 300 points. A short sale, on the other hand, usually brings it down by approximately 50 to 130 points. A foreclosure shows up as such on a person’s credit history; a short sale shows up as “settled for less” or a similar designation. No matter what, a foreclosure will negatively impact a borrower’s credit quite severely; unless a mortgage was already severely in default, though, the negative consequences of a short sale on a borrower’s credit rating is far less severe than a foreclosure.

Effect on Future Home Loans

With a foreclosure or a short sale, most borrowers cross their fingers for a new start. In either case, they will need a new place to live. As a result, they may need to apply for a new home loan at some point. When filling out most loan applications, a borrower is required by law to disclose any foreclosures from the past seven years. A foreclosure is a public record and makes a foreclosure a permanent record forever. Since a short sale appears as a home sale, though, it does not have to be disclosed at all on any loan application. This can help swing the balance in a loan applicant’s favor, making it possible to buy a new home sooner if and when your personal circumstances improve.

Effect on Eviction

In the event that a foreclosure goes through to completion, the borrower generally has to vacate the premises immediately or very shortly after the foreclosure sale is finalized, depending on the legal process in your state.  Ignoring notices to vacate the house result in actual eviction where you and your family will be escorted out of your home by law enforcement as the locks are changed, leaving your family stranded.  You will then be at the mercy of the new owner to remove your belongings, and may also have to deal with the consequences of having an unlawful detainer (i.e. eviction action) come up on background screenings when trying to rent a new home.  If nothing else, the short sale process can postpone the eventuality of foreclosure, avoid the ugliness of forced displacement and give homeowners extra time to come up with new plans.

Control of the Short Sale Process or default

During the foreclosure process, all of the control is in the hands of the bank or other lender. The borrower’s hands are basically tied and the process unfolds according to the lender’s terms. With a short sale, though, a borrower has a lot more control over the process and a tremendous amount of input to affect a positive decision. Assuming the short sale is approved, the borrower can avoid foreclosure and drastically reduce the negative impact that the situation has on their credit history. In other words, a real estate short sale is a much more proactive way to handle the situation.


Real Estate Short Sale

Forclosures, Short Sales The hardship letter that a borrower submits to a lender should outline the basics about why he is pursuing a short sale. In other words, it serves as the framework of the package and presents a borrower’s case. The supporting documents, then, should support the borrower’s argument and act as evidence to verify the necessity of a short sale. A borrower should pull together as many relevant supporting documents as possible when preparing a short sale package. These documents should clearly demonstrate and substantiate all of the information that was outlined in the hardship letter. Ideally, the documentation should tell a story of financial hardship that will convince the lender to approve a short sale.
What kinds of documents should be included in a short sale package? A few basic examples include:
Tax Returns – The borrower needs to prove how much he earns in a convincing, undeniable way. A few years’ worth of tax returns should generally suffice.
Pay Stubs – In order to give the most complete financial picture possible, the borrower should also provide pay stubs for the present year. After all, that salary information will not be included in the previous year’s tax return. Self-employed people should furnish evidence of their quarterly estimated tax payments to the IRS.
Bank Statements – Bank statements for all of the accounts that are held by the borrower and the borrower’s spouse should be included in the short sale package. These statements will further reinforce the information in the hardship letter, tax returns and pay stubs.
Credit Reports – Credit reports from each of the three credit reporting agencies should be sent to the lender. They will give the lender a clearer idea about the financial situation of the borrower.
Hospital Bills – Many times, health-related issues cause major financial burdens for people. Borrowers who have this issue should take care to include copies of their hospital bills in their short sale packages.
Divorce Decrees and/or Death Certificates – Death and divorce can wreak havoc on a borrower’s ability to pay a mortgage loan. If either instance has been cited in the hardship letter, the appropriate documentation should be included.
Additional documents – Additional documents that act as evidence of other failed attempts to find  a way to resolve the problem may also be useful. Other possible support documents could be a letter of rejection to refinance your home or mls printouts showing the length of time your home has been on the market along with price reductions and other comparable sales that demonstrate the slow market or upside down nature of your property.
The documents that a borrower sends to a lender in a short sale package should bolster his case. Therefore, it’s also helpful to include repair estimates and contractor bids for issues around the house. After all, the bank is going to have to pay for those repairs if a foreclosure happens. These estimates are just additional pieces of the puzzle that can tip the balance in a borrower’s favor, as a lender understands the growing financial burden they will have to assume if they take on ownership of the house.


New FNME Guidelines Short Sale Processes


Social into that MastheadOverlay zoneNew Short Sale ProcessYou do not have to be late on your mortgage payment to qualify for a Short Sale!Short Sale majority leader Harry-Reid (D-NV) Please bring the legislation to a vote before Congress adjourns New short sale guidelines for Fannie Mae, Freddie Mac, will it open the door for more foreclosures or will  homeowners hope and pray their homes gain their value back?
Fannie Mae announced this week they are going to implement new short sale guidelines that would include homeowners that are current on their mortgage payments.   The new guidelines would empower lenders and servicers to quickly and easily qualify eligible borrowers for a short sale.  But the real question will the lenders and servicers have the processes to hand the potential work loads?  We know Bank of America for example currently has so many processes to handle one transaction, that there is a bottle necking effect that some short sales are not getting started or being completed.
The new short sale guidelines will go into effect Nov. 1, 2012.  The new real estate short sale guidelines will permit a homeowner with a Fannie Mae or Freddie Mac mortgage to sell their home in a short sale even if they are current on their mortgage if they have an eligible hardship.   Does this mean prior to November 1st, 2012 a homeowner experiencing a hardship would be in-eligible because they are current?
FHFA Press release August 21st,
• Offer a streamlined short sale approach for borrowers most in need: To move short sales forward expeditiously for those borrowers who have missed several
mortgage payments, have low credit scores, and serious financial hardships the documentation required to demonstrate need has been reduced or eliminated.
• Enable servicers to quickly and easily qualify certain borrowers who are current on their mortgages for short sales: Common reasons for borrower hardship are death, divorce, disability, and distant employment transfer or relocation. With the program changes, services will be permitted to process short sales for borrowers with these hardships without any additional approval from Fannie Mae or Freddie Mac, even if the borrowers are current on their mortgage payments. Borrowers will now qualify for a short sale if they need to relocate more than 50 miles from their home for a job transfer or new employment opportunity.
• Fannie Mae and Freddie Mac will waive the right to pursue deficiency judgments in exchange for a financial contribution when a borrower has sufficient income or assets to make cash contributions or sign promissory notes: Servicers will evaluate borrowers for additional capacity to cover the shortfall between the outstanding loan balance and the property sales price as part of approving the short sale.
• Offer special treatment for military personnel with Permanent Change of Station (PCS) orders: Service members who are being relocated will be automatically eligible for short sales, even if they are current on their existing mortgages, and will be under no obligation to contribute funds to cover the shortfall between the outstanding loan balance and the sales price on their homes.
• Consolidate existing short sales programs into a single uniform program:
Servicers will have more clear and consistent guidelines making it easier to process and execute short sales.
• Provide servicers and borrowers clarity on processing a short sale when a foreclosure sale is pending: The new guidance will clarify when a borrower must
submit their application and a sales offer to be considered for a short sale, so that last minute communications and negotiations are handled in a uniform and fair manner.
• Fannie Mae and Freddie Mac will offer up to $6,000 to second lien holders to expedite a short sale. Previously, second lien holders could slow down the short sale process by negotiating for higher amounts
The key to qualify for any short sale is some hardship.  Most homeowners qualify because most homeowners are experiencing “Increased housing expenses”





On the Real estate property Law Core, problems usually are section of every single day. Property owners, searching to try to fit their life back with each other right after being consumed advantage by the traditional bank or perhaps a mortgage firm. Under is a listing of the real Property Law Core problems that they have consumed directly into court.
On the Real estate property Law Core, some sort of issue is often learned about how a personal loan specialist didn’t explain to the particular home-owner every thing. This kind of isn’t which uncommon actually. Many times, the particular personal loan specialist should have fit precisely what is actually a go up repayment by the end in the personal loan, generally seven for you to 10 years out and about, and not plainly explained to the particular home-owner precisely what this kind of designed.
The home-owner doesn’t be aware that right after many years of developing a very modest repayment, many people will have to cover a big repayment, often thousands and thousands involving dollars at one time. Should the home-owner is just not happy to produce which repayment, and the majority certainly not can be, many people feel the being in foreclosure in.
In accordance with documents in the Real estate property Law Core, an additional issue could be the falsification in the person’s earnings. If your particular person makes $50, 000 per year, even so the personal loan specialist composed credit showing an ongoing revenue involving $200, 000 which is going to produce a massive difference within how big is the particular probable.
Looking at paperwork in the Real estate property Law Core, problems concerning those who had simply no earnings whatsoever being presented lending products will still be very common. Nothing could possibly be additional illegal as compared to production earnings in someone’s records.
Lots of people request the reason didn’t folks obtaining the particular lending products realize what has been occurring? These people likely should have, however many variables, relating the real Property Law Core problems, got complicated so they can know that which was transpiring.
These people trusted the particular professionals. Bank loan officials could tell them it turned out just about all acceptable and they believed this. After all that person could be the specialist on precisely what there’re undertaking.
Choosing a house is often a extremely emotional event. If you have dropped in love with a property and you also usually are enthusiastic, you will agree to nay reports which informs you can hove the property. People who find themselves blinded by feeling need to have much more dependable assistance. Numerous personal loan officials and the companies in it ended up not dependable
So what on earth really does the real Property Law Core carry out to produce the specific situation much better? Many times, many people request the particular financial institutions to change the particular personal loan and provide those a lesser rate. They’ll request your banker to provide those back their house in the event that they are in foreclosure in. They’ll request your banker to provide back costs as well as funds that this traditional bank gathered. Of course, they’ll seek out punitive injuries in an attempt to get the financial institutions to purchase many of the agony as well as heartache that they have triggered.
How long manages to do it consider? It’s not necessarily simple fact. Let’s encounter this. It will take many years. It may need all of them a long time to get together way up each of the individuals who they desire with regards to size tort steps. Next obviously the particular legal representatives with the traditional bank should be expected for you to tap dance because difficult since they can avoiding being forced to consider virtually any steps whatsoever. They’ll look for just about every probable appropriate shift to get the instances trashed. Of course, they’ll seek out strategies to keep your instances by ever being filled out to begin with. In short, don’t expect this kind of in order to resolve troubles quickly.
Simply how much manages to do it price tag? It isn’t cheap. Many people are acquainted with class steps law suits the place that the law firms organize the money with the costs and the function, chances are they be able to consider the maximum amount of in the settlement debts since they can state because charges. The groups of those who past away by asbestos caused melanoma could acquire a few hundred dollars. In a size tort, the particular home owners pay the particular law firm costs, etc., however if and when they gain they’ll acquire the vast majority of funds.




Solid Advice For Making Smart Real Estate


There are so many challenging aspects about buying a home: searching, financing, and buying a home, and more! It can really drive you crazy! Knowing all of these aspects is critical.
Real estate agents would do well to reach out to former clients during the holiday season or sell a purchase date. Hearing your voice again from you will trigger positive memories of the real estate transaction that occurred. At the end of your message, remind them that you work on a referral basis and would consider it a compliment if they would recommend you to their friends.
If you have or plan to have a big family, you should look at homes that will have enough room for your family. You will be sure that your house is safe if the previous tenants had children.
If you are planning to move to another area, do some research on the internet about different communities and neighborhoods. You can discover a good deal of information about even the smallest town. Consider the population, population and unemployment rate of your desired location before purchasing a house there so you ensure that you will love where you live.
Homes that need multiple improvements or updates are often sold for cheaper than other homes. This can be a money-saver in purchasing the home, and use it to improve the house in your own time. A little fix up work can transform that diamond in the rough into the house of your dreams.
If you submit an offer for the home you love and the seller does not accept it, do not completely give up on the fact that they won’t find a method of making the purchase price affordable for you. They might offer to cover closing costs or make some repairs prior to you moving in.
Even if you currently do not have children, if you are planning on living in the home for an extended period of time and the possibility of starting a family during those years cannot be ruled out, it is a good idea to find out if the area schools are of high quality.
A lot of Realtors have ready made checklists of purchasing a home. The checklist can help you organize everything is taken care of when it needs to be.
Buyers will often calculate the final closing costs by combining the amount for the down payment, any points that they pay to the lender, and obviously the down payment. In many cases, closing costs have extra items like improvement bonds, school taxes, and anything else that is specific to that area.
It really is a good time to get invested in real estate.Property values at this time are low due to a recent fall in the housing market. The housing market will rebound, and your investment will be very profitable.
Consider these tips a starting point for you to understand how to buy a new home. Be sure to apply these insights to your home hunt so that you can navigate your trail without falling into the pits that a lot of other new home owners do. Have fun house hunting.

Selling A Commercial Property Does Not Have To Be


A collection of tips on how to begin with buying or selling commercial real estate is needed by anyone who wishes to get started in this complex world.Below is a collection that can assist the eager novice into eventually becoming a successful commercial real estate venture achieve their goals.
Whether you are buying or selling, make sure to negotiate. Be sure that your voice is heard so that you can get yourself a fair property you are dealing with.
Take plenty of the place. Be sure the photos capture any defects that exist in the unit, discoloration, and damaged or dirty carpets.
Don’t enter into a new investment too quickly! You might regret it when the property is not right for you. It could take up to a year-long process before you begin to see investments in your market.
You can never know too much when it comes to commercial real estate, so keep learning!
Commercial property dealings are exponentially more complex and time intensive than buying a residential home is. You need to understand, when all is said and done you will receive a big return on the investment.
You should try to understand the (NOI) Net Operating Income of your commercial property.
There are a lot of factors that determine the value greatly.
Make sure you are interested in has access on any commercial piece of real estate. Your business has its own utility needs, but you will also need water, sewer, sewer and maybe even gas.
Try to carefully limit the situations that are specified as event of defaults before negotiating a lease. This decreases the chance that the person renting will default on the lease. You definitely don’t want to ensure this doesn’t happen at all costs.
You should advertise your commercial property as being for sale to people locally and non-local people. Many sellers mistakenly assume that their property will appeal only interesting to local buyers. Many private investors are interested in cheap or affordable properties outside their immediate community if the country or world.
You should always know how to get in touch with emergency maintenance procedures. Keep the phone numbers in a convenient place, and ask them in advance what their response time is.
There are real estate field. For example, some brokers represent landlords as well as tenants, while other brokers only represent tenants.
Check any disclosures of the chosen real estate agent gives you wish to work with. Remember that a dual agency is also an option.This means the broker represents you and the landlord at the same time. Dual agencies require full disclosure and both parties.
If you are new to commercial real estate investing, focus on one investment type at a time. It is preferred to excel in one type instead of being mediocre in many where you might not fare as well.
You may be liable for cleanup of environmental waste from prior use. Are you considering a purchase of property in an area prone to flooding? You may want to reevaluate your decision. You can contact environmental assessment agencies to obtain information about that area in which you are considering buying something.
Get yourself set up online before you jump into the commercial real estate market. The idea is for people to learn about you are by just entering your name in a search engine.
Think about environmental hazards that the property poses. One major problem is when the property you currently own has hazardous waste material issues. As a property owner, it is your responsibility to handle these issues, even if they initiated during a previous owner’s time.
However, each opportunity and property is unique, and determine what the best investment is for you.
Know your requirements are before starting the search for commercial properties.You should be aware of the exact specifications you will need for your business’s office space requirements are. If you are planning growth for your company, you will clearly want to purchase excess space, it will save you later down the line.


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This version 2010/1 is applicable from June 1st 2010
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D does not warrant that the Site, including any software, materials, products, or services, will be uninterrupted or error-free or that any defects in the Site, including any software, materials, products, or services will be corrected.

Assumes no responsibility for the alteration, deletion, mis-delivery or failure to deliver or store any of your communications, data, or personalization settings, including but not limited to messages sent or received by means of the Site.

Makes no warranty that the Site will meet your requirements, that the Site will be secure or error or virus free, or that defects in the software driving the Site will be corrected. You understand and agree that any material and/or data downloaded or otherwise obtained through the use of the Site is done at your own discretion and risk and that you will be solely responsible for any damage to a computer system or loss of data that results from the download of such material and/or data.

No advice or information, whether oral or written, obtained by you through the Site shall create any warranty not expressly made herein.

Makes no warranties regarding the number or types of properties available for sale on the Site, or whether any property listed on the Site for sale will ever be purchased.

Makes no warranties regarding any of the terms a buyer or seller may or will obtain with respect to any property listed on the Site, the number of ‘hits’ or page views of any property listed on the Site, or the scope of dissemination of any property listed on the Site.

Makes no warranties whatsoever regarding the ownership, authority to sell or rent, or condition of any property listed on the Site, or the sincerity or ability to pay of any potential buyer or tenant.

Makes no warranties regarding the quality or quantity of telephone calls, email or other inquiries received by users that advertise on the Site.

Makes no warranties regarding the appearance, alteration or removal of a property listing on third-party websites or the like.

Makes no warranties that a property listing will appear anywhere in particular online or offline, or for any period of time, except as expressly set forth on the Site.

Makes no warranties regarding the quality or quantity of properties listed on the Site for sale.

Makes no warranties regarding the quality of the service providers that advertise on the Site or regarding the services or goods provided by same.

Makes no warranties regarding the ability of a Site user to access or use the Site, or purchase services or goods made available on the Site, at any particular time or times or from any particular geographic location, area, state or region.


In no event will , or anyone associated with its management be liable for any damages, losses, or liability, including, without limitation to:

direct, indirect, special, incidental, or consequential damages

damages, losses or liability resulting from failure to sell or purchase real property on certain terms or otherwise

damages, losses or liability resulting from lost profits, lost data (or other intangibles), or business interruption, either arising out of or relating to the use of the Site (including the use of the services of any third parties that CRREPFS links to) and any information contained thereon, or the inability to use the Site,

resulting from your failure to comply with this Agreement, whether based on warranty, contracts, statutes, regulations, tort (including but not limited to, negligence) or any other legal theory and whether or not advised of the possibility of such damages.

servicing, repair or correction of equipment or data that becomes necessary as a result of your use of this site.


You agree to immediately notify of and indemnify any member of management or employ harmless from, any claim, loss, or demand (including reasonable attorneys’ fees and costs) made by any third party arising out of or a result of:

your use of the Site (including the unauthorized use of your account/email or any other breach of security known to you)

the violation of any term of this Agreement by you

the direct or contributory infringement by you, or another user using your account/email of any intellectual property or information yo u obtained from the Site.


You are solely responsible for the contents of your submissions or messages intended for CRREPFS and the same shall be treated as non-confidential and non-proprietary unless expressly stated otherwise. You grant to REPFSG a Worldwide, perpetual, irrevocable, royalty-free, sublicenseable right, in any media now known or currently known, to exercise all copyright and other intellectual property rights with respect to such submissions or messages. You agree that any such submissions or messages, including but not limited to property listings, or any derivative works thereof, may be disseminated, distributed, publicly displayed on third party websites in accordance with the REPFSG privacy policy. You agree to provide true, accurate, current and complete information and to maintain and promptly update such information to keep it true, accurate, current and complete. You warrant that you own and are authorized to offer for sale and to sell any property you submit to the Site for listing. You represent and warrant to REPFSG that any information, photographs, images, graphics, video records or the like, virtual tours, drawings, written descriptions, remarks, narratives, pricing information and other copyrightable elements relating to your property listing do not violate or infringe upon the rights, including any copyright rights, of any person or entity.


All charges shall be at the then-advertised price for the service(s) selected, and must be paid by direct charge to a credit card through one of our payment processing companies. Once your property listing is posted on CRREPFS (even if only for review) you agree that all sales are final, and there are no credits or refunds available whatsoever except at the sole discretion of REPFSG. Should you decide to cancel before any preparatory work has been undertaken, refunds are considered at the sole discretion of REPFSG subject to a US$75 administration fee. You may alter or remove your property listing or advertisement from CRREPFS at any time by contacting us and requesting such amendment or removal as necessary.


This Agreement may be terminated by any party immediately for any reason or no reason, including but not limited to your breach of this Agreement. Upon any termination of this Agreement, REPFSG will remove from the Site any listings or other materials you may have previously submitted.


REPFSG may alter or amend this Agreement at any time without notice by revising this page. By accessing, using or purchasing services or goods made available at CRREPFS you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current terms and conditions to which you are bound. REPFSG may alter or amend the content of its website, including the services made available at any time and without notice. For example, REPFSG may, in its sole discretion and at any time, discontinue the Site, or any component thereof.


Notices given by REPFSG to you will be sent to the e-mail address you provided to CRREPFS as part of the subscription process, or to updated addresses which you have subsequently provided to REPFSG . Notwithstanding anything herein to the contrary, it is your sole responsibility to update your e-mail address for notices hereunder, and notice sent to the e-mail or conventional mailing address last provided by you to REPFSG shall be valid and binding on you regardless of whether such address has been changed, canceled, has expired, has been terminated, or otherwise becomes inoperative.


This Agreement shall be deemed to express, embody and supersede all previous understandings, agreements and commitments, whether written or oral, between you and the REPFSG with regard to the subject matter hereof. If any provision(s) of this Agreement is held by a court of competent jurisdiction to be contrary to law, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. REPFSG’s failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to by REPFSG in writing. The Section titles in this Agreement are solely used for the convenience of the parties and have no legal or contractual significance. This Agreement may be assigned in whole or in part by REPFSG. Neither this Agreement, nor the rights and obligations contained herein, may be assigned in any manner by you without the prior express written permission of REPFSG. These terms do not alter in any way the terms of any other separate agreement you may have with REPFSG.


1 – Property Listings – Advertised until SOLD!
Acceptance and publication of your Listing on the Site implies no guarantee whatsoever by REPFSG that your property will be sold. The position of your listing on the website is not guaranteed except insofar as your particular subscription stipulates. New listings are entered at the top of the page and will descend progressively as other Listings are added or when existing listings are renewed or ‘bumped’.
Your subscription retains no monetary, refundable or transferable, value beyond the first six months of advertising. After this period, it remains publicly available on the Site without charge to you subject to your ongoing compliance with the terms of this agreement and the continuing availability of the Site.
Amendments to your Listing Ad must be submitted by email. Once received the Listing Ad will be updated as soon as reasonably practical. REPFSG reserves the right to request a change fee for any and all updates beyond those included in your subscription and are subject to the terms of this agreement in regard to their acceptance criteria. A subscription or subscription period applies to one specific property only and any requested change cannot include a change or addition of another property that is different from that originally advertised.
It remains your responsibility to reconfirm with CRREPFS within every 6 month period that the property you have advertised remains available for sale at the price you have stated. You are obligated to tell CRREPFS should this not be the case. Failure to reconfirm these details prior to the expiration of each 6 month period removes any liability by CRREPFS to continue your subscription on the basis of which it was originally purchased. Should you fail to reconfirm your listings within the prescribed time frame, CRREPFS reserves the right to remove it from public display and will not thereafter reinstate it without payment of an administration fee.
Following reconfirmation of your Listing Ad at the end of each six month period, CRREPFS will arrange for it to be moved to the top of our homepage listings (bumped) and re-featured on the respective facebook page should one exist at the time of the reconfirmation. We reserve the right to refuse publication of your Listing Ad or implement any changes which we consider in our sole opinion as being detrimental to our website or for whatever other reason we deem appropriate. If this should occur at the start of your subscription before any compilation work has begun, we shall refund your subscription in full. If it happens at any other time you may resubmit your proposed changes.
2 – facebook listings
Your Property Listing will be included on our respective facebook business page when available as part of your subscription for as long as the page remains available. We may however, for whatever undisclosed reason discontinue our association and use of the facebook Business Page product at any time and with no notice. For whatever reason, should facebook discontinue its service, then REPFSG is under no liability to provide an alternative or replacement for the service which was provided via facebook.
3 – Audio Video Slideshows
All optional Audio Visual slideshow presentations are designed and created for the then one-time current fee associated with this option. Subsequent availability and hosting is provided at no charge to you on an as available basis, beyond which REPFSG accepts no further liability. Any Audio Video Slideshow presentations created for your Property remain the property of REPFSG who grant a non-exclusive license for it to be used for the purposes of advertising your property, or our business for which you give your permission. Hosting for the Video is provided by YouTube (or any other third party hosting provider we choose to use) who may withdraw their service at any time and without notice. For whatever reason, should YouTube, or any other third party hosting provider used at the time, discontinue its service, REPFSG is under no liability to provide an alternative or replacement for the service which was provided. REPFSG is also under no liability to provide a refund for the video as the original fee was for compilation of the video and not its ongoing hosting and availability.
4- Cross-Advertising
All optional cross-advertising carried out on other websites within the REPFSG network is subject to the individual Terms and Conditions of each particular website.
5 – Bumping your listing
When available, your listing may be moved to the top of the property listings on our homepage, subject to the then current payment of a ‘bump’ fee. No guarantee is given as to how long your property will remain in the ‘bumped’ position and no refunds will be given should you feel your property has not remained in the ‘bumped‘ position for sufficient time. You may ‘bump’ your listing as many times as you wish subject to payment of the ‘bump’ fee.

Button & Banner Advertising
Acceptance and publication of your Advertisement on the Site implies no guarantee whatsoever by REPFSG that the business, product or service you are advertising will be patronized or purchased during the Advertisement’s subscription period.
The position of your Advertisement is not guaranteed except insofar as stipulated in the subscription you have purchased. Once an Ad position has been reserved via subscription, it remains unavailable to others until the end of the subscription period. Amendments to your Advertisements must be submitted by email and the Advertisement will be updated as soon as reasonably practical. REPFSG reserves the right to request a change fee for any and all updates.
We reserve the right not accept animated advertisements which in our sole opinion consider inappropriate for the Site.  If we do accept them, we will charge an additional fee for their use due to effect on our page loading times in comparison with static Advertisements.
Four weeks prior to the expiration of your Advertisement we will contact you to inquire if you wish to extend your subscription for a further period. If you do not renew by the expiration date your Advertisement will lapse and not appear on the Site. We reserve the right to refuse publication of your Advertisement in which case we shall refund your subscription in full in the first instance and on subsequent instances less an administration fee.
Advertising via a Button or Banner Ad includes a complimentary featured listing in our Business Directory and associated facebook business page if one exists.
Acceptance and publication of your Advertisement on the Site implies no guarantee whatsoever by REPFSG that the business, product or service you are advertising will be patronized or purchased during the Advertisement’s subscription period.
You may suggest up to 10 appropriate Tags that adequately describe the general activity of your business from the list of Tags that currently exist or by suggesting additions. We reserve the right to accept the association of particular tags with your business based upon keeping the Directory both useful and meaningful to those who use it.
All Directory entries will be featured for free in the Business section of our facebook page if one exists at the time.

Terms and Conditions
When available, your listing may be moved to the top of the user-initiated Directory search results, subject to the then current payment of a ‘bump’ fee. No guarantee is given as to how long your business will remain in the ‘bumped’ position and no refunds will be given should you feel your business has not remained in the ‘bumped‘ position for sufficient time. You may ‘bump’ your business as many times as you wish subject to payment of the ‘bump’ fee. ‘Bumping’ your business in this way will raise its position under ALL Tags associated with it not just one.


Why Buying a Home is a Massive Decision


A house is a house and a mortgage is a mortgage. They both tip the scale to create one, extremely expensive, life changing transaction.Who are fortunate enough get to go through this sacred event, but it should be embarked upon with extreme caution. In 2013, with he economy fluctuating, some people can feel pressured to join the Mortgage Club.

Take caution and engage in proper research, as having a mortgage is something that requires maturity and organization. When people decide on purchasing a house, not only will they have to decide on the paint colour, they will be responsible for everything involved.

1. The decision

Having a house is not a bad idea. It is the goal of most families as they grow older into more stable financial situations. However, there is a time and a place and that should be understood for any potential homeowner who is on the fence about the decision. Going from renting to owning is a big step. There is no denying that the long term benefit of paying a mortgage is far greater than that of paying rent. However, it is crucial to stay within your budget to make sure you have enough money to pay the mortgage, along with all of your other expenses.

2. The reality

Something that I was guilty of at one point was thinking that when you decide to buy a house, all that needs to be done is putting down 15-20% down payment and then basically pay rent to yourself until the house is paid off. Sure, the really watered down general principle of that is true, if you ignore all of the other costs. When you decide to close on a house you will be responsible for insurance, processing fees, closing fees and other hidden costs. This doesn’t even include the movers.

3. Everyone is unique

It is very important to understand that buying a home is a big deal. Just because the movies say that you need to meet the love of your life in the office when you’re 28 and buy a house doesn’t mean you have to. Take a deep breath and realize what you already know, that you are different than everyone else. There is no rush. If you are comfortable with your finances and your lifestyle, consider that a blessing. If you are working through the financial obstacles of life with ease, consider buying a house and setting yourself up for the future.

4. It’s a process

Buying a house is a privilege that should inspire feelings of stability and delight. While it can seem all fun and dandy, the whole ordeal is a process. There are many obstacles and many more obligations to get through before the key reaches the hand. Be sure that proper analysis is performed during the decision development when it comes to becoming a homeowner.

Make sure that even when your bank says you are pre-approved, that you personally approve yourself to manage that type of budget. It can be daunting, but on the reverse side, it is very exciting. The level of enjoyment will rise as the level of your preparedness does. The more you are settled mentally in understanding what the purchase means, you will be better off with your decision and live a happier life.

5. The goal

The end result of anyone buying a home is personal satisfaction and financial stability. We value our lifestyle, family and friends above all else. The acquiring of a home is a huge step in the process of life, and people should not be rushed to complete it. Everyone in life moves at their own pace, and this should be no different for large purchases. Real estate will always be around, and so will the unique property for the unique person.
Be picky with your prospective homes. Ask your friends for their opinion. Enjoy yourself, and set your standards to what you deserve to best set you up for the future.