A real estate agent is a person who sells property. Some agencies specialize in commercial properties while others focus on residential ones, and some provide services for both. If you are interested in buying or selling a house, a real estate agent will guide you through the process and find a property. Below are some common terms that are often used when working with a realty agencies.
Foreclosure – A property for sale because the previous owner was unable to make the payments and so has revered to the bank or mortgage broker. Therefore, the property is bank owned. Foreclosed properties in this recession based market can often be bought for great deals, since brokers will often sell them just for the amount of money that is owed. However, buyers should always inspect the property first, as the homes come with no guarantee of condition.
Short Sell – Another sign of the recession's effect on real estate is the many properties that are listed for short sale. This term refers to a sale by a broker or dealer that will come up short from the original price so that the property is being sold at a loss.
Mortgage – A loan provided to a home buyer where the property or estate being bought is listed as collateral. The buyer must repay the entire loan before they own the property. Failure to pay the loan back, or missing a payment on the mortgage can result in the property being reverted to the bank. Carefully read any mortgage agreement and discuss options with the realty agent and lender.
Appraisal - The valuation of a real property. The value shifts depending on many different factors like location, condition and corporate stock.
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Real estate agents help individuals and business find property that will fit their needs and budgets. Some agencies focus on commercial real estate listings. Others, however, have listings that include houses, farms, condos, and apartments.
Before you choose to purchase property through a real estate agency, you should make sure that they can provide the services that you need. In general it is best to choose a broker who has several years of experience. Remember that you not only need someone who knows about property values and negotiating with owners, but also how to get a low-interest mortgage and locate low-priced foreclosure properties.
The amount of experience that a Realtor has does not always indicate, however, that they have the listings that you need. Ask them whether they have property listings that include houses, foreclosure properties, flats, farms, and condos for sale.
If you are interested in getting a lease for the property, then you will also need to make sure that the real estate agency can give you property listings that include rentals.
Chances are that there are multiple agencies serving your area, so you have many options to choose from. You can often find agency and agent reviews by searching the internet for city specific keywords. This will lead you to consumer forums where homeowners share stories about their experiences buying and selling through the different companies.
Using consumer forums can also help you manage your mortgage lending options to make sure that you choose an agency that will give you access to loans that match your budget restrictions and investment plans.