Using A Home Mortgage Calculator by toriola1


									                                                    Presented by Daniel Toriola

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                                             How To Determine The Price Of Your Home
                                                                 By W. Troy Swezey

  How To Determine The Price Of Your Home
 by: W. Troy Swezey

Why is it that some homes sit on the market for a year while others sell like hot cakes? Frustrated
sellers will blame a bad market, while a good real estate professional will tell you that many times, a
slow sale is often attributed to the listing price.

If a home is overpriced, buyers will stay away. But, if the price is competitive with similar homes in the
area and “shows” better than the competition, it will have a better chance of being sold quickly.

The secret is perfecting a technique that’s as American as apple pie: comparative shopping.

Although comparing houses with different styles, square-footages and locations is challenging, real
estate professionals still feel it’s one of the best methods to use when determining a home’s market

A responsible real estate agent will effectively evaluate a home’s worth through a process known as
Comparative Marketing Analysis (CMA). Taking a look at assets, such as a swimming pool, bigger
than normal living spaces, a fantastic view, adjacent city parks and other attractions, the agent will
begin to compare your home with similar properties, called “comparables,” that have sold in the area
within the last six months. Typically, the agent is able to recommend a realistic price range that will
ensure you top dollar and a reasonably

However, factors such as the amount of time needed to sell your home can alter the agent’s price
recommendation dramatically.

Typically, people should check with real estate offices in the community to determine the typical
duration that listings are on the market. Sales associates will explain that the marketing “norms” vary
with prices and properties. Based on this criteria, the agent feels confident that he or she will be able
to sell it for a price that both you and the buyer will be happy with. However, if you’re under time
constraints because of unexpected job changes or moving agreements you’ve made on another
property, this will narrow your chances of selling the home for top dollar in the market.

How To Price Your Products
A report on the best price points to use for pricing your products, based on the examination of over 15.3 million price tags.
                                                                                                                                Page 1
                                              Presented by Daniel Toriola

Assuming you have sufficient time to market the home, here are a few small steps you and your agent
can take to finding the right price for your property.

The best comparisons can be made with similar homes that have been sold within the last 45 days as
opposed to the standard six months. Any longer and other factors, such as the economy, could cloud
your view of how much your home is really worth.

Another good benchmark is to review the selling prices of homes that have just been sold and are
pending closes. Most MLS services provide information on deals pending that most real estate agents
should be able to shore with you.

A good rule of thumb before setting a price is to make 20 comparisons of comparable properties within
a one-mile radius of your house. Once completed you can feel comfortable that the price you’ve
picked is a good gauge of the home’s worth and won’t discourage qualified buyers.

Being open and honest about what you see as the home’s greatest strengths and biggest weaknesses
will also help an agent get a better feel for how to best evaluate (or assess) and market your home.
Think of your home as if you were the buyer. If your home is listed at the right price, you’re well on
your way to a speedy and fruitful sale.

W. Troy Swezey is the author of “HOW TO DETERMINE THE PRICE OF YOUR HOME." As a Realtor
at Century 21 Paul & Associates, he has helped many individuals with their real estate needs. Visit his
web site to download his free e-book, “REAL ESTATE SECRETS EXPOSED.” or mail to:

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Property Tax Appeal Reduction: How To Win Your Case. How to determine the value of real estate.
                                                                                                     Page 2
                                                Presented by Daniel Toriola

                                                Using a Home Mortgage Calculator
                                                                By Brad Triggs

Using a Home Mortgage Calculator by Brad Triggs

There are a variety of tools online that you can use to determine how much you can afford to pay for a
home, how much the monthly payment will be based on the sale price of a home, and calculators to tell
you whether it is better to rent or buy based on your personal situation. Using a home mortgage
calculator online doesn't cost any money, and can be an extremely useful tool in your preparation and
research for buying a home. Most calculators will have a form for you to fill out, and the most simple of
them will ask you to input the principal price of the home, the interest rate, and the number of years
that you will have the mortgage for, in order to determine what your monthly payment will be.

A home mortgage calculator online can also be used for determining the monthly payment of other
purchases if you'd like, such as car loans, or any other loan that have fixed monthly payments over a
determined amount of years using simple interest amortization schedules. Simply enter the price of the
item in the principal textbox of the form, the interest rate and the length of years you will be paying on
the loan, and click the calculate button to find out what the monthly payment amount, including interest,
would be.

You can also take the analysis a step further, and use the other available calculators online to
determine if you will be able to afford the monthly amount that you had the form calculate for you.
You'll need a little more information to determine whether or not you can financially afford to purchase
the home based on the monthly payment, such as the approximate amount of the yearly taxes, and the
total of your other monthly payments. The calculators that analyze whether or not you can afford the
home will calculate how much your salary should be based on the information you've entered.

************************************Brad Triggs provides more information and free mortgage quotes at
his website:************************************

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                                          Presented by Daniel Toriola

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