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Prospecting “For Rent by Owner” listings on Zillow? @ Video

Prospecting


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Prospecting “For Rent by Owner” listings on Zillow


Prospecting


Prospecting “For Rent by Owner” listings on Zillow

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For Sale by Owner 5 Costly Mistakes to Avoid!! + Video

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For Sale by Owner 5 Costly Mistakes to Avoid!


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For Sale by Owner 5 Costly Mistakes to Avoid!

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VRBO- Vacation Rentals by Owner Review and Tips! and Video

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VRBO- Vacation Rentals by Owner Review and Tips, NEF2.COM


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Acceptance Insurance, Non Owner Auto Insurance, non owner car insurance quote.

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Non-Owner Car Insurance – Get a Free Quote Online

Non owner car insurance quoteNon owner car insurance policies are designed to protect individuals who don’t drive regularly, but require coverage for the times they do drive a car. Acceptance can help explain all your options and provide a no-hassle, no-obligation non owner car insurance quote, so you can decide whether this type of policy is right for you.

The Facts about Non Owner Insurance

Although there are several insurance companies that offer non owner coverage, it isn’t usually advertised to the extent that other policies are, so most people don’t even know it exists. Non owner car insurance policies can be a good alternative to full coverage. Getting a quote through Acceptance is easy, and this type of insurance can save a lot of money in the end compared to the cost of paying for the medical bills and property damage associated with an accident.

Who Should Consider Non Owner Insurance?

Insurance experts recommend non-owners auto insurance for anyone who doesn’t own a vehicle. The policy will provide the basic liability coverage you need to protect yourself and your assets after an accident for which you were at fault. If you don’t own a car but still need liability insurance coverage, it’s well worth considering.

How Much Does it Cost?

There are several factors that may determine the cost of your non owner insurance policy. The amount of coverage you desire will, of course, affect how much you pay. Your driving history and the estimated frequency with which you plan on using a car will also influence the cost of your monthly payment. Contact us today to learn more and get a free non owner car insurance quote. One of our highly knowledgeable insurance specialists can explain how this type of policy works, what it might cover, what kinds of coverage options there are and anything else you’re concerned with.




Acceptance Insurance, Non Owner Auto Insurance, non vehicle owner insurance.

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Non-Owner Car Insurance – Get a Free Quote Online

Non vehicle owner insuranceNon owner car insurance policies are designed to protect individuals who don’t drive regularly, but require coverage for the times they do drive a car. Acceptance can help explain all your options and provide a no-hassle, no-obligation non owner car insurance quote, so you can decide whether this type of policy is right for you.

The Facts about Non Owner Insurance

Although there are several insurance companies that offer non owner coverage, it isn’t usually advertised to the extent that other policies are, so most people don’t even know it exists. Non owner car insurance policies can be a good alternative to full coverage. Getting a quote through Acceptance is easy, and this type of insurance can save a lot of money in the end compared to the cost of paying for the medical bills and property damage associated with an accident.

Who Should Consider Non Owner Insurance?

Insurance experts recommend non-owners auto insurance for anyone who doesn’t own a vehicle. The policy will provide the basic liability coverage you need to protect yourself and your assets after an accident for which you were at fault. If you don’t own a car but still need liability insurance coverage, it’s well worth considering.

How Much Does it Cost?

There are several factors that may determine the cost of your non owner insurance policy. The amount of coverage you desire will, of course, affect how much you pay. Your driving history and the estimated frequency with which you plan on using a car will also influence the cost of your monthly payment. Contact us today to learn more and get a free non owner car insurance quote. One of our highly knowledgeable insurance specialists can explain how this type of policy works, what it might cover, what kinds of coverage options there are and anything else you’re concerned with.


Acceptance Insurance, Non Owner Auto Insurance, non owner insurance policy.

#Non #owner #insurance #policy


Non-Owner Car Insurance – Get a Free Quote Online

Non owner insurance policyNon owner car insurance policies are designed to protect individuals who don’t drive regularly, but require coverage for the times they do drive a car. Acceptance can help explain all your options and provide a no-hassle, no-obligation non owner car insurance quote, so you can decide whether this type of policy is right for you.

The Facts about Non Owner Insurance

Although there are several insurance companies that offer non owner coverage, it isn’t usually advertised to the extent that other policies are, so most people don’t even know it exists. Non owner car insurance policies can be a good alternative to full coverage. Getting a quote through Acceptance is easy, and this type of insurance can save a lot of money in the end compared to the cost of paying for the medical bills and property damage associated with an accident.

Who Should Consider Non Owner Insurance?

Insurance experts recommend non-owners auto insurance for anyone who doesn’t own a vehicle. The policy will provide the basic liability coverage you need to protect yourself and your assets after an accident for which you were at fault. If you don’t own a car but still need liability insurance coverage, it’s well worth considering.

How Much Does it Cost?

There are several factors that may determine the cost of your non owner insurance policy. The amount of coverage you desire will, of course, affect how much you pay. Your driving history and the estimated frequency with which you plan on using a car will also influence the cost of your monthly payment. Contact us today to learn more and get a free non owner car insurance quote. One of our highly knowledgeable insurance specialists can explain how this type of policy works, what it might cover, what kinds of coverage options there are and anything else you’re concerned with.


Buying a Home With Owner Financing #student #loan #rates


#home financing
#

Owner Financing in Real Estate

By Elizabeth Weintraub. Home Buying/Selling Expert

Elizabeth Weintraub has an extensive background in real estate spanning more than 30 years, including experience in related industries such as title and escrow. She is a full-time broker-associate at Lyon Real Estate’s midtown Sacramento office and is recognized as a top producer. She is also a Life Member of the Master’s Club, an honor bestowed by the Sacramento Board of REALTORS , and ranks in the top 1% of all the agents at Lyon Real Estate.

CA BRE License #00697006

Asking a seller to give you owner financing to buy a home can be a tricky proposition. That s partly because if you ask the listing agent if the owner will carry some or all of the financing, the agent probably doesn t know. Why? The agent never asked.

Most sellers don t sell a home every day. Their knowledge is limited to conventional practices where the buyer goes to the bank to get a mortgage .

However, for a seller whose home isn t selling or when traditional lender guidelines are tightened, owner financing suddenly becomes very popular. Owner financing is definitely a viable option in buyer s markets .

What is Owner Financing?

When part or all of the purchase price, less the buyer s down payment. is carried by the seller, the seller is providing owner financing.

It doesn t matter if the property has an existing loan, except to the extent that the existing lender might accelerate the loan upon sale due to an alienation clause. Instead of going to the bank, the buyer gives a financing instrument to the seller as evidence of the loan and makes payments to the seller.

If the property is free-and-clear, meaning the seller has clear title without any loans, the seller might agree to carry all of the financing. In that instance, the buyer and seller agree upon an interest rate, monthly payment amount and term of the loan, and the buyer pays the seller for the seller s equity on an installment basis.

Continue Reading Below

The security instrument is generally recorded in the public records, which protects both parties. Bear in mind, some state laws prohibit balloon payments.

Types of Owner Financing

Most purchase-money transactions are negotiable. Sellers and buyers are free to negotiate the terms of the owner financing, subject to usury laws and other state-specific regulations.

While there is no standard down payment required, many sellers want a sufficient down payment to protect their equity. Down payments can vary from little to 30% or more. Sellers feel their equity is safeguarded by the buyer s down payment because buyers are less likely to go into foreclosure if they ve invested a lot of money upfront.

Some variations of owner financing include:

Land contracts do not pass legal title to the buyer, but give the buyer equitable title. The buyer makes payments to the seller for a certain period. Upon final payment or a refinance, the buyer receives the deed.

Sellers can carry the mortgage for the entire balance of the purchase price (less the down payment), which may include an underlying loan. This type of financing is called an all-inclusive mortgage or all-inclusive trust deed (AITD). The seller receives an override of interest on the underlying loan.

A seller may also carry a junior mortgage, in which case, the buyer would take title subject to the existing loan or obtain a new first mortgage. The buyer receives a deed and gives the seller a second mortgage for the balance of the purchase price, less the down payment and first mortgage amount .

  • Lease Purchase Agreements.

    Selling on a lease purchase agreement means the seller is giving the buyer equitable title and leasing the property to the buyer. Upon fulfillment of the lease purchase agreement, the buyer receives title and typically obtains a loan to pay the seller, after receiving credit for all or part of the rental payments toward the purchase price.

    Owner Financing Benefits to Home Buyers

    • Little or No Qualifying.

    Even if the seller demands a credit report on the buyer, the seller s interpretation of buyer qualifications are typically less stringent and more flexible than those imposed by conventional lenders.

    Unlike conventional loans. sellers and buyers can choose from a variety of payment options such as interest only. fixed-rate amortization. less-than-interest or a balloon payment. Payments can mix and match. Interest rates can adjust periodically or remain at one rate for the term of the loan.

  • Down Payment Flexibility.

    Down payments are negotiable. If a seller wants a larger down payment than the buyer possesses, sometimes sellers will let a buyer make periodic lump-sum payments toward a down payment.

    Without an institutional lender, there are no loan or discount points to pay. No origination fees. processing fees, administration fees or any of the other assorted miscellaneous fees that lenders routinely charge, which automatically saves money on buyer closing costs .

    Because buyers and sellers aren t waiting on a lender to process the financing, buyers can close faster and get buyer possession earlier over a conventional loan transaction.

    Owner Financing Benefits to Home Sellers

    • Higher Sales Price.

    Because the seller is offering owner financing, the seller may be in a position to command full list price or higher.

    The seller might pay less in taxes on an installment sale. reporting only the income received in each calendar year.

    Payments from a buyer increase the seller s monthly cash flow, resulting in spendable income.

  • Higher Interest Rate.

    Owner financing can carry a higher rate of interest than a seller might receive in a money market account or other low-risk types of investments.

  • Shorter Listing Term.

    Owner financing attracts a different set of buyers. If a property is not selling under conventional methods, offering owner financing is one way to stand out from the sea of inventory and move a hard-to-sell property that otherwise might not sell.

    In closing, before entering into a transaction with owner financing, consult a real estate lawyer and obtain competent legal advice.

    At the time of writing, Elizabeth Weintraub, DRE # 00697006, is a Broker-Associate at Lyon Real Estate in Sacramento, California.



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    Businesses don’t commit fraud — their managers do

    It s true. Businesses are only as credible as the people managing them. Understanding the risk factors associated with the owners or managers of a business can be critical in properly assessing fraud, regulatory or reputational risk associated with a new business customer or partner. The Business Owner Background Report SM provides unprecedented visibility into a business principal s relationships with current and former business interests. Combining Experian s robust consumer and commercial data assets with state-of-the-art analytics, the report provides a comprehensive evaluation of the fraud and credit risk associated with a business owner or principal. Proactively manage risk and optimize portfolio performance with this convenient, easy-to-use tool.

    • Insights beyond traditional credit risk tools Gain a 360-degree view of a business owner s or principal s risks and liabilities across all business interests.
    • Reduce risk and enhance collections Identify applicants who have patterns of poor management performance.
    • Commercial fraud prevention Have the ability to verify that the person applying for credit is currently affiliated with the business you re considering working with or find out if he or she has been associated with businesses you ve had problems with in the past.

    Learn more about Business Owner Background Report from this product sheet.

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    California Dog Bite Law – Strict Liability for Owners #california #dog #bite #law, #attorney, #lawyer, #injury, #owner, #liability, #pit #bull, #dangerous #dog #law


    #

    California Dog Bite Law:
    Strict Liability for Dog Owners:
    Info for Attorneys Victims

    California s dog bite law imposes strictly liability on dog bite owners. If your dog bit somebody, you could end up paying big damages. Even if your e dog doesn’t have a history of biting or vicious behavior, you can still be held liable.

    That makes it a good idea to check with your insurance agent or carrier annually to see if you and your dog have appropriate coverage.

    California s Dog Bite Law:

    Calif. Civil Code 3342.

    1. The owner of any dog is liable for the damages suffered by any person who is bitten by the dog while in a public place or lawfully in a private place, including the property of the owner of the dog, regardless of the former viciousness of the dog or the owner’s knowledge of such viciousness. A person is lawfully upon the private property of such owner within the meaning of this section when he is on such property in the performance of any duty imposed upon him by the laws of this state or by the laws or postal regulations of the United States, or when he is on such property upon the invitation, express or implied, of the owner.
  • Nothing in this section shall authorize the bringing of an action pursuant to subdivision (a) against any governmental agency using a dog in military or police work if the bite or bites occurred while the dog was defending itself from an annoying, harassing, or provoking act, or assisting an employee of the agency in any of the following:
      1. In the apprehension or holding of a suspect where the employee has a reasonable suspicion of the suspect’s involvement in criminal activity.

    2. In the investigation of a crime or possible crime.

    3. In the execution of a warrant.

    4. In the defense of a peace officer or another person.

  • Subdivision (b) shall not apply in any case where the victim of the bite or bites was not a party to, nor a participant in, nor suspected to be a party to or a participant in, the act or acts that prompted the use of the dog in the military or police work.
  • Subdivision (b) shall apply only where a governmental agency using a dog in military or police work has adopted a written policy on the necessary and appropriate use of a dog for the police or military work enumerated in subdivision (b).
  • Calif. Civil Code 3342.5

    1. The owner of any dog that has bitten a human being shall have the duty to take such reasonable steps as are necessary to remove any danger presented to other persons from bites by the animal.
    2. Whenever a dog has bitten a human being on at least two separate occasions, any person, the district attorney, or city attorney may bring an action against the owner of the animal to determine whether conditions of the treatment or confinement of the dog or other circumstances existing at the time of the bites have been changed so as to remove the danger to other persons presented by the animal. This action shall be brought in the county where a bite occurred. The court, after hearing, may make any order it deems appropriate to prevent the recurrence of such an incident, including, but not limited to, the removal of the animal from the area or its destruction if necessary.

    3. Whenever a dog trained to fight, attack, or kill has bitten a human being, causing substantial physical injury, any person, including the district attorney, or city attorney may bring an action against the owner of the animal to determine whether conditions of the treatment or confinement of the dog or other circumstances existing at the time of the bites have been changed so as to remove the danger to other persons presented by the animal. This action shall be brought in the county where a bite occurred. The court, after hearing, may make any order it deems appropriate to prevent the recurrence of such an incident, including, but not limited to, the removal of the animal from the area or its destruction if necessary.

    4. Nothing in this section shall authorize the bringing of an action pursuant to subdivision (b) based on a bite or bites inflicted upon a trespasser, or by a dog used in military or police work if the bite or bites occurred while the dog was actually performing in that capacity.

    5. Nothing in this section shall be construed to prevent legislation in the field of dog control by any city, county, or city and county.

    6. Nothing in this section shall be construed to affect the liability of the owner of a dog under Section 3342 or any other provision of the law.

    7. A proceeding under this section is a limited civil case.



    Buying a Home With Owner Financing #african #bank #loans


    #home financing
    #

    Owner Financing in Real Estate

    By Elizabeth Weintraub. Home Buying/Selling Expert

    Elizabeth Weintraub has an extensive background in real estate spanning more than 30 years, including experience in related industries such as title and escrow. She is a full-time broker-associate at Lyon Real Estate’s midtown Sacramento office and is recognized as a top producer. She is also a Life Member of the Master’s Club, an honor bestowed by the Sacramento Board of REALTORS , and ranks in the top 1% of all the agents at Lyon Real Estate.

    CA BRE License #00697006

    Asking a seller to give you owner financing to buy a home can be a tricky proposition. That s partly because if you ask the listing agent if the owner will carry some or all of the financing, the agent probably doesn t know. Why? The agent never asked.

    Most sellers don t sell a home every day. Their knowledge is limited to conventional practices where the buyer goes to the bank to get a mortgage .

    However, for a seller whose home isn t selling or when traditional lender guidelines are tightened, owner financing suddenly becomes very popular. Owner financing is definitely a viable option in buyer s markets .

    What is Owner Financing?

    When part or all of the purchase price, less the buyer s down payment. is carried by the seller, the seller is providing owner financing.

    It doesn t matter if the property has an existing loan, except to the extent that the existing lender might accelerate the loan upon sale due to an alienation clause. Instead of going to the bank, the buyer gives a financing instrument to the seller as evidence of the loan and makes payments to the seller.

    If the property is free-and-clear, meaning the seller has clear title without any loans, the seller might agree to carry all of the financing. In that instance, the buyer and seller agree upon an interest rate, monthly payment amount and term of the loan, and the buyer pays the seller for the seller s equity on an installment basis.

    Continue Reading Below

    The security instrument is generally recorded in the public records, which protects both parties. Bear in mind, some state laws prohibit balloon payments.

    Types of Owner Financing

    Most purchase-money transactions are negotiable. Sellers and buyers are free to negotiate the terms of the owner financing, subject to usury laws and other state-specific regulations.

    While there is no standard down payment required, many sellers want a sufficient down payment to protect their equity. Down payments can vary from little to 30% or more. Sellers feel their equity is safeguarded by the buyer s down payment because buyers are less likely to go into foreclosure if they ve invested a lot of money upfront.

    Some variations of owner financing include:

    Land contracts do not pass legal title to the buyer, but give the buyer equitable title. The buyer makes payments to the seller for a certain period. Upon final payment or a refinance, the buyer receives the deed.

    Sellers can carry the mortgage for the entire balance of the purchase price (less the down payment), which may include an underlying loan. This type of financing is called an all-inclusive mortgage or all-inclusive trust deed (AITD). The seller receives an override of interest on the underlying loan.

    A seller may also carry a junior mortgage, in which case, the buyer would take title subject to the existing loan or obtain a new first mortgage. The buyer receives a deed and gives the seller a second mortgage for the balance of the purchase price, less the down payment and first mortgage amount .

  • Lease Purchase Agreements.

    Selling on a lease purchase agreement means the seller is giving the buyer equitable title and leasing the property to the buyer. Upon fulfillment of the lease purchase agreement, the buyer receives title and typically obtains a loan to pay the seller, after receiving credit for all or part of the rental payments toward the purchase price.

    Owner Financing Benefits to Home Buyers

    • Little or No Qualifying.

    Even if the seller demands a credit report on the buyer, the seller s interpretation of buyer qualifications are typically less stringent and more flexible than those imposed by conventional lenders.

    Unlike conventional loans. sellers and buyers can choose from a variety of payment options such as interest only. fixed-rate amortization. less-than-interest or a balloon payment. Payments can mix and match. Interest rates can adjust periodically or remain at one rate for the term of the loan.

  • Down Payment Flexibility.

    Down payments are negotiable. If a seller wants a larger down payment than the buyer possesses, sometimes sellers will let a buyer make periodic lump-sum payments toward a down payment.

    Without an institutional lender, there are no loan or discount points to pay. No origination fees. processing fees, administration fees or any of the other assorted miscellaneous fees that lenders routinely charge, which automatically saves money on buyer closing costs .

    Because buyers and sellers aren t waiting on a lender to process the financing, buyers can close faster and get buyer possession earlier over a conventional loan transaction.

    Owner Financing Benefits to Home Sellers

    • Higher Sales Price.

    Because the seller is offering owner financing, the seller may be in a position to command full list price or higher.

    The seller might pay less in taxes on an installment sale. reporting only the income received in each calendar year.

    Payments from a buyer increase the seller s monthly cash flow, resulting in spendable income.

  • Higher Interest Rate.

    Owner financing can carry a higher rate of interest than a seller might receive in a money market account or other low-risk types of investments.

  • Shorter Listing Term.

    Owner financing attracts a different set of buyers. If a property is not selling under conventional methods, offering owner financing is one way to stand out from the sea of inventory and move a hard-to-sell property that otherwise might not sell.

    In closing, before entering into a transaction with owner financing, consult a real estate lawyer and obtain competent legal advice.

    At the time of writing, Elizabeth Weintraub, DRE # 00697006, is a Broker-Associate at Lyon Real Estate in Sacramento, California.



  • Home Owner Loans #monthly #car #payment


    #refinance loans
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    MassHousing Refinance Loans

    Refinancing your mortgage through MassHousing can save you money and reduce the risk of high payments in the future.

    MassHousing Refinance loans offer a number of benefits:

    • 30-year terms
    • Fixed interest rates, meaning your payment will always remain the same
    • Mortgage Insurance with MI Plus mortgage payment protection
    • Loans serviced by MassHousing, so you’ll know who to call with questions or concerns

    Income Limits and Other Restrictions

    • Borrowers must meet income limits. which vary by community
    • Loans may be used to refinance mortgages on condominiums and 1- to 4-family homes

    How to Apply

    MassHousing Refinance Loans are originated by participating lenders. For more information or to apply, contact a participating lender .

    DU Refi Plus for Existing MassHousing Borrowers

    DU Refi Plus is a Fannie Mae, no-cash-out refinance program offering reduced verification and documentation. MassHousing is making DU Refi Plus available to existing MassHousing borrowers who have a conventional first mortgage sold to and owned by Fannie Mae on or before June 1, 2009. Borrowers must meet income limits. which vary by community.



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    #best home loan rates australia
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    RBA Cash rate changes in past 5 years:

    What is best fixed rate home loan ?

    Bank offer very lower rate on introductory interest rate to sign up new clients to their home loans. But if client does not have any historical record about their usual interest rates, that means they are signing up for something very expensive without any prior knowledge.

    To select the best fixed rate home loan, we need to understand the current market situation in term of reserve bank cash rate. If the cash rate is at usual state, or lower than usual state, it means it is risk free to take a fixed rate home loan. Some times when the cash rate remains too low, at that period of time variable rates from banks become lower than previous years fixed rate, or a fixed rate from year before. As a result it is lower in risk factors to take home loan at maximum of 3 years fixed rate. In most cases difference between total savings in 3 years on interest from a 3 years fixed rate home loan with total savings on interest from a 5 years fixed rate home loan is insignificant.

    Considering above it is lower in risk to have maximum 3 years fixed rate home loan to have best benefit on interest. And it is better not to have a fixed rate home loan when cash rate is at pick stage and it is obvious the cash rate will be reduced by next year or so.

    Click here to find current home loan interest rate offers.

    What portion of home loan should be on 3 years fixed rate home loan ?