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Real Estate Corner…

We entered into a contract with someone who wanted to buy our home. The agent representing the buyer presented us with a "pre-qualification" letter from a lender. Today we discovered the buyer was rejected for financing. How can this happen?

You allowed the term "pre-qualification" to lull you into a false sense of security. The loan amounts referenced in pre-qualification letters are conditional on verification of income, employment, funds on deposit, credit report, and more. A lender can issue a pre-qualification letter after just a simple 10-minute phone interview with a prospective purchaser.
As a seller, your best vehicle for peace of mind would be a pre-approval letter accompanying the offer to purchase. A pre-approval letter is a firm commitment to lend money and is issued only after verification of the crucial financial items mentioned above.
If you’re thinking of selling your home in the next year, please call me at 813-514-1110 for important information that could save you thousands in the process, and avoid unwanted surprises like the sellers above experienced.
Q.
What is your "Maximum Home Value Audit," and how does it differ from what other agents will offer me?
A.
It’s designed to specifically maximize the selling price of your home and in a time frame that meets YOUR needs. And there’s absolutely no obligation for you to list your home with me:
If you’re thinking of selling your home in the next year, you need to talk to me about my exclusive "Maximum Home Value Audit™." My audit is much more than a simple home valuation. It’s a complete top-to-bottom analysis not just of the value of your home, but EVERY aspect of your home affecting its successful sale. Al Ruiz at Real Estate Centro of Tampa Bay, inc. direct line to him is (813) 842-3721.
Learn not just area values, but total market value so you know how to
price your home for top dollar!
Avoid the "7 Costly Mistakes" when selling your home. I’ll give you
a free report revealing all of them.
How to dress your home so it shows the best and commands a higher
price and faster sale!
My analysis will take only about 45 minutes of your time…time I promise will be well worth it. It’s a special Free service I provide to my clients and close friends. To schedule your Home Audit at a time convenient to you, please call now...... (813) 842-3721

Do you want to SAVE money for your next home but do not now how to? You could Save Up To $200 A Month just on Groceries…
Shop for two weeks at a time. This will lessen impulse shopping and help you stick to your budget. Plan your meals, make a list, and buy accordingly.
Never go food shopping when you’re hungry because you’ll end up buying food that looks tempting.
Stay away from "prepared" foods and avoid the outer isles where these products are featured. You may be paying up to 50 percent more for those "prepared" meals.
Using coupons can lower your grocery bill by as much as 25 percent. The best coupons are located in your Sunday paper.
Buy store brands whenever possible. The fancy "brand" names often make the very same food products for the store brands and the only thing you’re paying for is fancy packaging. Buying store brands also can cut your grocery bill by as much as 25 percent. And that’s big!
Buy extra meat when it’s on sale and store it in your freezer.
Don’t buy toiletries and household cleaners at the grocery store, because they charge between 10 percent and 15 percent more than the large discount stores and the "dollar" stores.
Look forward to the next issue for more money saving tips......
Stumble Upon An Interesting Home?
No need to guess its features or wonder about the price. No need to expose yourself to some high-pressure salesman or unwanted obligations. Just call Al Ruiz at (813) 842-3721, and I’ll tell you…with no hassles and no obligation
Q. Are You ready to buy or Sell but do not know where to get started?
A. Al Ruiz is ready to help you get started FREE!
Q. Why would Al Ruiz be willing to help with this FREE offer?
A. Because Al feels that if he shows you the type of service he gives you FREE, you will most likely use his services when you are ready to hire a realtor!
Q. What exactly will Al do for me under his FREE offer?
A.
Al does a maximum Home Audit, which means he informs you what your house is worth in your local market as well as telling what the overall market value is also.
You will receive blank contracts that you can use when you sell your own property.
Al also makes you aware of how to market your home effectively.
To help you avoid costly mistakes, he will review the prices of the homes in the areas you are interested in buying.
He helps you price your home effectively
Based on the information you give him, he will estimate the closing costs for buying and selling a home.
He throughly goes over closing estimates showing you the buyer's and seller's obligations and what the seller could expect to receive. And what the buyer would need to bring to the closing table.
He will help you figure out what you can afford in monthly payments
He can introduce you to a mortgage institution that specializes in your individual needs.
He can introduce you to various pest control companies and explain their function in the sale.
He can introduce you to various Home Inspection companies and explain their function in the sale.
He can introduce you to various Title companies and their function in the sale.
He can introduce you to various CPA's, and their function in the sale.
He can introcuce you to various Real Estate Attorneys and their funcion in the sale.
He goes over a list of things you need to do before you sell or buy a home.
Al will show you all the steps you must take in order to come to a successful Real Estate Sale.
Al does not pressure buyer's or seller's into a commitment. Al feels so confident that when you are ready to use a Realtor, you will come to him.
In addition to the above duties, if you decide to use Al Ruiz as you Real Estate Agent:
You will be given a FREE of charge Seller's Home Guarantee. This fantastic new Free service helps the seller market their home. And provides the buyer with piece of mind after the closing.
The property will be listed on the MLS Realtor service.
The property will be listed in the Harmon Homes Real Estate Magazine
The property will be listed in the TampaBayUpdate.com internet.
The property will be listed in the TampaBayUpdate.com hard copy.
Al Ruiz will take care of all the perticulars from:
Putting up signs
Installing lock box
Coordinating appointments with buyers
Coordinating appointments with agents
Fill out and review Listing Agreement
Fill out and review Sales Contract
Fill out and review the Broker Disclosure
Fill out and review the lead base forms
Fill out and review the association forms
Fill out and review the mold forms
Fill out and review addendums if changes to contract need to be made
Disclose the Radon Gas in Florida
Filling out and reviewing property disclosure
Order any inspections required
Make sure that appropriate inspectors complete inspections in a timely manner
Contact City Officials relevant to the sale of property if need be
Contact County officials relevant to the sale of property if need be
Contacting State officials relevant to the sale if need be
Make sure that signs removed after sale
Advertising and marketing
Make sure that appointments are met
Follow up after appointments
Make sure mortgage company has all the necessary documentation to process loan
Coordinate with the title company to ensure that a smooth closing takes place.
Fax documentation
Hand deliver documentation
Mail documentation
Available 24 hours a day 7 days a week for response to advertising
Available 24 hours a day 7 days a week for sellers enquiries
Available 24 hours a day 7 days a week for buyer's enquiries
Available 24 hours a day 7 days a week for agents enquiries
Available to meet with seller at seller's convience for any issue
Escort buyer to houses available for sale
Accompany buyer at final walk through
Present at closing to answer any final questions and for support
After closing, available 24 hours a day 7 days a week..
After closing, preidoically calls to ensure that any ongoing questions or matters have been answered or resolved.
Client of the Month!
Every month I choose a very special Client of the Month. It's my way of acknowledging good friends and saying "thanks" to those who support me and my business.
This month's Client of the Month is Nora Gonzalez. She is a hard working single mother who lives with her son and her mother. She works for Home Shopping Networks and loves her job. Nora bought this fantastic 1700 SF home.
Nora was such a great client that I decided to give her a gift of a washing machine and dryer. Congratulations Nora, I am so proud to know you.
You might be my next Client of the Month Too! Watch for your name here in an upcoming month.
How Do Some People Accumulate Wealth!
The Federal Reserve now estimates that rising home values have added over $1.2 trillion to our housing wealth over the past three years according to a recent Business Week article.
The housing wealth is widespread because over two-thirds of our households now own homes. That’s almost 70 million families. There are many ways these homeowners can tap into this "real money."
During a recent dip in interest rates, many homeowners refinanced their homes. They not only lowered their monthly mortgage payments, but some even came away with additional money in their pockets. How’d they do it? By cashing-in on the appreciated value of their homes.
Other homeowners may have used their equity for special financial needs. The interest on home loans is at least partially deductible. Under the 1997 tax reform law, married homeowners who sell after living in their home for two or more years can keep up to $500,000 of their profits – tax-free! Single homeowners can keep up to $250,000 tax-free.
That single change immediately increased homeowners’ wealth, nationally, between $15 and $20 BILLION dollars! If you’re thinking of withdrawing some of your wealth by selling your home and moving up to one you like even better – OR, you’re ready to become a homeowner for the first time and start reaping the automatic wealth-building benefits of homeownership, give me a call at 813-842-3721.
Al Ruiz, Licensed Real Estate Broker
Realtor/Licensed Real Estate Instuctor
B.S. degree in Business Management
Real Estate Centro of Tampa Bay, Inc. (813) 842-3721
Email: AlRuiz@TampaBuyUpdate.com