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Able Real Estate Services LLC

3188 Culbreth Road Fayetteville, NC 28312

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     Marilyn Nemeth                              Pauline Watts

   Broker in Charge                                   Broker    

     (910)391-9469                                     (910)391-8935

 

We want to give you a personal Thanks to you for visiting our website.
 
  Why having an agent is beneficial:
Please read the document below to see what an agent does for you as a buyer or seller:
What an agent is worth.docx

Be informed on paperwork involved in buying or selling your home in our DOCUMENTS on Agency & Home Inspections, and others:

 

Working with Agents:

WorkingwAgents.pdf

Home Inspections:

Sample of Listing Contract &
Sample of Offer to Purchase
Notices of Homes built before 1978:
Renevate Right Brouchure:
Landlords and Tenants of N.C:

Landlords and Tenants.pdf

Note: New IRS 1099 Requirements for Landlords starting in 2011.

Remember: If you're a First Time Buyer:
Ask for MCC (Mortgage Credit Certificate)when applying for a loan
 
Seven Benefits of Home Ownership:
1. Financial Credibility
2. Independence
3. Investment
4. Pride
5. Security
6. Stability
7. Tax Advantage
 
Overview of Buying & Selling Process:

Seller:

  •  Decides to sell property
  • Selects a real estate agent
  • Determines needs
  • Home preparation for marketing
  • Agent markets home (CMA)
  • Accepted/rejected/counter offer
  • Attorney Closing

Buyer:

  • Considers Home Purchase
  • Selects agent
  • Pre-qualified with loan officer
  • Determines wants & needs
  • Discuss financial issues: (Preapproved)
  • Views & researches target homes
  • Decides & makes offer to buy
  • Loan application
  • Inspections
  • Title Search
  • Appraisal
  • Loan Approval
  • Closing papers signed
  • Documents recorded
  • Funds available to Seller
  • Move in
Your wants and needs!

A home is one of the largest investment one makes in life. With the years of experience our Real Estate Agents will take in consideration of your wants and needs. Whether it is your first home or not, time and circumstances changes our needs.
The reasonable amount of comfortable square feet to live, etc.Be certain your home is what you want. Come see us! Let us schedule a time and day for you to see some of the listings in our area.

Tired of paying rent and handing over your hard-earned money over to a landlord every month. Its time to start looking for your first home.We at Able Real Estate Services LLC invite you to get ready for one of your best decisions in life. Contact Us (tab) and lets us help you with the steps of making your mark in home ownership. We will be glad to be your buyer agent with an Exclusive Buyer Agency Agreement.

Have you bought a home in the past for an investment or are you renting your investment properties. But you find you're not satisfied with city or county codes and restrictions. New laws come into effect in April 2010 from EPA pertaining to repairs to homes built before 1978 in relation to lead-base paint.

The consuming time of collecting rent or hiring management to manage these properties. There are a lot of stimulus packages to help buyers find a home. Now is the time to market that property or home. Allow us to List your property. A home is one of the largest investments people make. Our Agents are there for you when you are ready to sell or buy. 

Check out statistics on purchasing a home: A first home buyer needs to know: How to Purchase my first home? How much can I afford? What can an agent do for me that I can't do myself? How to find the right mortgage? Home Inspections and Working With Realtors. Check out what the professionals has to say.

 

Finding the Right Lender:

http://www.FannieMae.com

http://www.FreddieMac.com

http://www.GinnieMae.gov

http://www.federalreserve.gov/pubs/martgage/mortb_1.html

 

How much can you afford?

Before shopping for a home make sure your financial house is in order. Obtain a copy of your credit report to be certain there are no discrepancies. It's also a good idea to draw up a household budget. With a budget developed you will be able to figure in your future mortgage payment, homeowner's insurance, property taxes. Giving you a clear picture of how much your can spend on a home.

WHAT ARE CLOSING COST?

Closing Cost are an accumulation of charges paid to different entities associated with the buying and selling of real estate. Buyers: Usually 4-7% of total sales price of the property. Such as;

Application fees, Appraisal Fee, County Taxes, Credit Report, Discount Points, Documentation Fee, Escrow Fee, Homeowners' Association Fee, Loan Fee, Mortgage Insurance, Origination Fee, Tax Registration and Title Insurance Premiums. Check out this website to help you figure out what your cost may be at: http://www.closing.com




 
Fayetteville, NC
Updated Monday, May 21, 2012 1:53 AM
Cloudy
Cloudy		66°FHigh: 81°F
Low: 64°F
Wind: 3 mph
Humidity: 93%
MSN WeatherData provided by iMap
 
Fayetteville,NC listing:

Saving your Home:

Get the latest on the Obama administration:

 

NC Residents:

Neighborhood Stabilization Program (NSP):
Authorized by the Housing and Economic Recovery Act of 2008 and developed by the U.S.Department of Housing and Urban Development. NSP funds are inteded to be used to stabilize neightborhoods that have been significantly impacted by the foreclosure crisis. All NSP activities must benefit low, moderate or middle-income individuals and families. Eligible properties cannot exceed $210,000. The homes must be foreclosed and for sale by a bank, bank holding company, government agency, or authorized REO designated entity.Only single-family homes, condominiums, and townhomes qualify. Manufactured homes are not eligible Properties must be built after1978 to qualify based on federal lead-based paint regulations.
The NSP must be used in conjunction with First Home Mortgage. Ask your lender about NSP downpayment assistance program.
Hud Homes
When talking about Hud Homes everyone may be confused with all the websites that may charge you to look at Hud Homes Listings. There is a free website and the one that shows all hud listings internationally.

As all websites has a lot of different layouts. Take the time to browse around and go to the tab: FAQ to get answers to your questions.




Anatomy of a SHORT-SALE:

 

1. Home Owner has a valid harship (Job loss, Business failure,Illness and medical cost, Divorce or death of a spouse, Natural disasters). Preforeclosure is also the time within which a short sale can be accomplished. Payoff Application is provided by the lender and will become a part of Short-Sell Package. Contact your Loan Modification or Loss Mitigation Dpt. Sometimes called the Foreclosure Dpt. If there is a Home equity line of credit (HELOC), sellers may need to speak with more than one lender. (Hardship Letter)

 

2. Sufficient time to accomplish a short sale. Sellers authorize release of financial information to become a part of the Shortsale Package for their licensed listing agent. Be truthful throughout the whole process. (Withholding needed information will only create complications.) Your agent may have a Prelisting Worksheet, Seller Short-Sale checklist and a Sample Calculation worksheet for Estimating Seller's Equity. Will the lender begin the Short-Sale process by pre-approving the seller for a Short-Sale now or when the real estate agent has a contract? FHA process requires the start of short sale be at the time of listing. Determine how much time there may be to accomplish a short sale, each state may vary.

 

3. Homeowner contract or has already contracted with appropriate finance, tax, and legal progessionals

Consider US Foreclosure Network (USFN): http://www.usfn.org for locating attorneys who specialize in bankruptcy and foreclosure.Expertise of these professionals is essential. A qualified foreclosure attorney can help the seller determine whether the loan is recourse or non-recourse, which can have significant repercussions for the seller.

 

4. Amount owed on property,Liens (tax liens,irs tax liens, mechanics liens, home owner dues(HOA)

 

5. Condition of property. Cooperation in completing short sale documentation and in maintaining the property for showings.

6.The proper price should be the low end of fair market value. FHA programs: http://www.hud.gov/offices/hsg/sfh/nsc/faqpfs.cfm






YOUR Annual CREDIT REPORT:








Thank you for visiting our website and we hope the research and links we have provided will be a help to you.