Mark Clemens Help for Home Sellers and Buyers MN / WI

Are there really alot of foreclosures out there?

Yes, sadly. Do you want to find some? You will need to have some economic wherewithall and some persistence. If you have these already, call.

Would you ever make us sign a buyer's agreement?

a

I have an aversion to boxing people in on anything. However, a purchase involving a sale of your home and possible assistance to your buyers along with the seller of the home you're buying requires more than most people think. Everyone has to be treated appropriately and everyone must be satisfied. That is what makes it all work and that's what win-win-win-win is all about. You of course are the most important if I am working with you to find the most affordable ideal home. But everyone in chain must be considered and that takes considerable thought and effort. So, I do expect that you will do everything in your power to make certain that I am treated fairly.

Does the seller really matter in the purchase of our new home?

Unless you are a very sophisticated investor, your seller is an important person. You will want to buy from someone you respect. It is as if their aura or spirit goes with the house. Some may find this too unscientific for their tastes, but most want to think back positively on who's life they are making better by closing on the mortgage. No one wants to make a "bad guy" richer; but everyone wants to treat a "good guy" fairly. How can you tell who is which? Look for telltale signs and then think before you offer. It just may get accepted without a counter.

What's one of the best ways to get more house for my money?

a

Consider a bedroom community. This is one that's approximately 30 minutes from where you work. The easiest example is Hammond WI for people that work at 3M. Its an easy drive down 94. All freeway, so its not even hard on your car. In fact its even better for it than 15 minutes of daily rush hour stop and go city driving. But how much are we talking about? Maybe 20% less money for a comparable property closer in. Maybe more?

If Im a first time homebuyer, should I think about building?

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Do first time homebuyers ever build their own home? I don't think I know of one that has, but there may be some one somewhere. Generally one does not visualize a person under the age of thirty buyng a lot, deciding on a floor plan, thinking about upgrades etc. But this certainly could happen. There is an apriori sense about everything even choice of residence. In other words you just might know enough about home ownership without ever having experienced it.

If no one is buying, maybe that means its a bad time to buy?

There is no such thing as a bad or a good time to buy. There is such a thing as a decison to make a life style change. This reflects a deep urge to express a more authentic self or a need to decrease current obligations so that more time is available for more important things. Those are 2 of the best reasons to buy, regardles of what everyone else is doing.

Do you ever help people who want to flip?

YES

My friends do and I am always interested in making new friends. All of the tools are right here for you to make money doing flips ETHICALLY. Call 651-216-5931 today.

Is it true that no one's buying right now?

If I say No, then I have to say that now is the time for YOU to buy.

If I say Yes, then I'm not hyperbolyzing. But its not as busy as it was before the high interest rates of the 80s.

Don't look on your own. Call 651-216-5931. No buyers agreement. Just great service and REAL help.

What is the first step in finding a new home?

The first step in finding a new home should be deciding how much you are willing to pay each month.

People do win powerball,  but most of us won't. Therefore we need to rely on our available cash resources to pay for housing. But how much we are willing to pay (which is different than able by bank underwriting paramters)differs from person to person.

For some the nicest house in the most desirable area may require 50% of your monthly income before taxes. That is a substantial amount and may leave you without funds for other things you enjoy as well. Or that may be totally acceptable as you know that you will be getting a raisee or that you have other ways generating cash on a part time basis.But you are the one who must decide. Then and only then can you look for your dream home responsibly.

Why is the trade line requirement such a big deal?

Most of us have been raised with some variation of "Never a borrower nor a lender be". But none of us has been told that Plotinus (Shakeseare's Hamlet) was a bit of an old fuddy duddy.

It would be wonderful if we could always pay cash for everything. That would suggest that we were always able to live within our means and that we could always access more cash whenever we needed or wanted something that exceeded our regular income. Unless we have a trust fund or a large supply of "matress money", this will never be the case.

Borrowing is necessary 99.99% of the time when it comes to housing. For a lender to feel comfortable with you as a borrower, he needs to know how you handle the repayment of your debts. Having made regular payments on a few credit cards for at least a year suggests that you are a good risk. That is crucial if you never owned a home before.