North Carolina Real estate for sale Resources

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North Carolina Real estate for sale Article Summaries

Flat Fee MLS Listings - Is this the future of real estate
By: Richard Massey: Realtors are all a buzz about this new form of listing houses on the MLS (multiple listing service). Some feel it crea... according to the National Association of Realtors (NAR) home seller survey, only sixteen percent of sellers actually se...

Real Estate Professionals Need You to Write for Them!
By: Isabel Fena: Ask yourself these questions:

Are you an experienced writer?
Do you want to stay at home to write?
Do y... you can buy the whole e-book for only $11.95 at www.book...

Negotiating real estate deals to win-win
By: Charles Warnock: If you’ve spent some time on homekeys.net, you probably noticed we generally don’t carry a torch for tradition or conv... appraiser prior to listing. You may find the cost of either option to be modest compared to making an expensive mistake...

Free Real Estate Listings on Real Estate Gates
By: Cameron Lindblom: Advertise your property listings for FREE! About 1500 realtors from all over the world have already taken advantage. R... for Directory membersPlace your listings now!The offer is available from Feb 15 till May 15, 2005BEST OFFER THROUGHOUT ...

Finding A Capable Agent To Meet Your Real Estate Needs
By: W. Troy Swezey: Whether you’re a first-time buyer, selling your current home or relocating to a different part of the country, the sup... connected with a national relocation service that will not only expose your present property to incoming transferees, b...

Featured Article

Understanding Real Estate Terminology

W. Troy Swezey

Purchasing a home can be a complicated and confusing process, especially for first-time buyers. Throughout the process, first-time home buyers will encounter a variety of unfamiliar real state terms. There are several key terms associates with purchasing real estate that are helpful to learn.

For example, many buyers confuse the terms broker and salesperson. A broker is a properly licensed individual, or corporation, who serves as a special agent in the purchase and sale of real estate, a salesperson is an individual employed or associated by written agreement by the broker as an independent contractor. The salesperson facilitates the purchase or sale of real estate.

Once you decide to purchase, a salesperson will prepare a sales contract to present to the seller along with your earnest money deposit. The sales contract is the document through which the seller agrees to give possession and title of property to the buyer upon full payment of the purchase price and performance of agreed-upon conditions. The earnest money is a buyer’s partial payment, as a show of good faith, to make the contract binding. Often, the earnest money is held in an escrow account. Escrow is the process by which money is held by a disinterested party until the terms of the escrow instructions are fulfilled.

After the buyer and seller have signed the contract, the buyer must obtain a mortgage note by presenting the contract to a mortgage lender. The note is the buyer’s promise to pay the purchase price of the real estate in addition to a stated interest rate over a specified period of time. A mortgage lender places a lien on the property, or mortgage, and this secures the mortgage note.

The buyer pays interest money to the lender exchange for the use of money borrowed. Interest is usually referred to as APR or annual percentage rate. Interest is paid on the principle, the capital sum the buyer owes. Interest payments may be disguised in the form of points. Points are an up-front cost which may be paid by either the buyer or seller or both in conventional loans.

In general, there are two types of conventional loans that a buyer can obtain. A fixed rate loan has the same rate of interest for the life of the loan, usually 14 to 30 years. An adjustable rate loan or adjustable rate mortgage (ARM) provides a discounted initial rate, which changes after a set period of time. The rate can’t exceed the interest rate cap or ceiling allowed on such loans for any one adjustment period. Some ARMs have a lifetime cap on interest. The buyer makes the loan and interest payments to the lender through amortization, the systematic payment and retirement of debt over a set period of time.

Once the contract has been signed and a mortgage note obtained, the buyer and seller must legally close the real estate transaction. The closing is a meeting where the buyer, seller and their attorneys review, sign and exchange the final documents. At the closing, the buyer receives the appraisal report, an estimate of the property’s value with the appraiser’s signature, certification and sporting documents. The buyer also receives the title and the deed. The title shows evidence of the buyer’s ownership of the property while the deed legally transfers the title from the seller to the buyer. The final document the buyer receives at closing is a title insurance policy, insurance against the loss of the title if it’s found to be imperfect.

Buyers should plan on a least four to twelve weeks for a typical real estate transaction. The process is difficult and at times, intimidating. A general understanding of real estate terminology and chronology of the transaction, however, will help any real estate novice to confidently buy his or her first home.

W. Troy Swezey is the author of “UNDERSTANDING REAL ESTATE TERMINOLOGY." 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.” http://www.TroyIsMyRealtor.com or mail to: TroyC21@usa.net

North Carolina Real estate for sale Resources
Check below for additional North Carolina Real estate for sale Links and Information
John Kelly Realty - Charlotte; North Carolina
Serving as one of Charlotte; North Carolina's uptown and prestigious neighborhood specialists; the realtors and agents at John Kelly Realty provide residential and commercial real estate services.

Tryon NC;Tryon North Carolina property listings;Pat Martin;First Real Estate
Receive current property listings in Tryon; NC and surrounding areas. Pat Martin; CRS; Broker with First Real Estate.

A House for Sale - North Carolina real estate for sale. NC
Pictures and descriptions of houses for sale ... NORTH CAROLINA. REAL ESTATE FOR SALE. Welcome to the internet's fastest growing real estate listing service ...

North Carolina real estate for sale by Bryant Brantley
Call Today! 336-368-9990. Listing Provided By: Carolina Farms & Homes - Pilot Mtn. Need More Information? To request more information please click here.

Lake Norman North Carolina Real Estate ~ Homes for Sale
Lake Norman North Carolina real estate for sale - homes; properties; rentals and leases in the Lake Norman; NC area north of Charlotte.

Winterville; North Carolina Real Estate
Winterville; North Carolina Real Estate. Homes and Community directory from Relocate-America.com; nationwide homes and community directory features important resources for relocating throughout the U.S.

North Carolina real estate for sale by Bryant Brantley
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North Carolina Real Estate for Sale; Buy; Sell; Rent @ Adpost.com Classifieds - North Carolina - North Carolina Real...
North Carolina Real Estate for Sale; Buy; Sell; Rent @ Adpost.com Classifieds - North Carolina Real Estate for Sale; Buy; Sell; Rent for over 1000+ cities; 500+ regions worldwide & across North Carolina - free;USA;classified ad;classified ads

North Carolina homes and North Carolina real estate for sale
Cities with listings for sale in North Carolina: At the Realty Executives web site you can search and browse homes for sale in North Carolina. View counties with homes for sale in NC. Apex; NC; Wake County; homes and real estate for sale

Franklin County North Carolina Land for Sale
north carolina real estate for sale. franklin county land for sale near louisburg and rolesville. Great hunting; timberland investment and development potential.

North Carolina real estate for sale by Bryant Brantley
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Vance County; NC Land and Farm House for Sale
north carolina real estate for sale. vance county land and farm house for sale. Historic home ready for restoration on farmland.

North Carolina homes and North Carolina real estate for sale - CUTLER/GMAC Real Estate
From Open Houses to Sold Homes. We've been the leading real estate office in the Akron/Canton; Ohio area. We are Real People Providing Exceptional Service.

North Carolina Real Estate for sale
Advertise Real Estate for sale or rent up to 2 lines of text absolutely FREE. Or we will host a page for you with a color photo for as little as $15.00

North Raleigh Houses and Homes For Sale as Real Estate Wake County; North Carolina
North Raleigh; North Carolina Real Estate for sale; Wake county homes and houses including North Carolina lots; land; condos/townhomes and resort properties.

North Carolina real estate for sale by Bryant Brantley
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