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Bill Gassett

Semantic Search Explained

Semantic SearchWhen I was growing up, last century, buying or renting a house in the laid-back city of Brisbane was a relatively straightforward, low-key affair. You asked your pals who was the Realtor in their community and you visited their office sometime in the week.

There were two implicit statements in this approach that, with time, have been completely lost. First that the Realtor was the most trustworthy person to do business with in the community when it came to buying or renting property, they were the ones with all the knowledge, expertise and vested interest.

They knew the community inside out, knew their business and worked to build up their reputation. Second that the Realtor’s interests and yours were roughly aligned. Yes, they wanted to make money, but they were not out to rip you off and as long as you understood that then the entire relational exchange was a little like two friends agreeing on a deal.

In retrospect it all sounds naively rustic, counter-intuitive to how we expect the world to run today when every deal needs to be inspected from every side and even then there is a good chance that something had been missed. Trust and alignment of interests seem to be notions that belong to a bygone century, not our fast-paced, digitally-enabled world.

Yet that’s where we’re headed towards in the 3.0 phase of the web that’s presided over by Google’s semantic search. As search gradually transits from an engine that provides probably answers to a search query that we then have to go through individually, ourselves, to one that provides answers, trust becomes a key component.

To work semantic search needs trust. It needs our trust in the veracity of the results it gives us and it needs, itself, to be able to work out the trustworthiness of the answers it provides. So a search, for instance, using Google Voice on mobile for “the best Realtor in Hopkinton” should produce a handful of choices that don’t just happen to be Realtors but are actually “the best”.

The way Google’s semantic search does that requires activities on its part that entail such complicated concepts as “entity extraction”, “relational identification”,  specific “data types”, “strings”, “alphabet sets”, and “arrays”. The end result however is that when it provides an answer that answer is trustworthy and for the Realtor using search to get prospects that’s pure gold.

Disregarding all the technicalities of this new search the question from a Realtor’s point of view is what does one have to do to make the “trustworthy” list? The answer to that is much easier to get a fix on than the mathematics of semantic search:

Semantic Search For Real Estate

Real Estate Semantic Search1. Establish Yourself. Not all Realtors are equal. Some specialize in rentals and others in high-end properties. Some will only deal with residential properties and others will focus on business properties. Your digital presence, anywhere, has to make this crystal clear.

2. Tell Google where you are. If you post content about Houston and happen to be active in Philadelphia you’re not really helping Google understand where you are no matter what you say. There are a number of ways to establish location including using Google Local for Business, your Google+ profile, your Google+ Page, your LinkedIn profile, your website, your blog and every digital presence you have which permits you to establish your location.

 A good example of what a Realtor can do to establish trust within their community and surrounding area is to create a community page that establishes their expertise. Check out this community page that covers Shrewsbury Massachusetts Real Estate, schools, demographics and other town data that a perspective buyer or seller may be interested in. Would you not agree that a page like this builds trust and expertise surrounding the town of Shrewsbury MA? If you are a Realtor this is one example of how you can build your credibility.

3. Tell Google what you do. If you’re buying and selling golf courses but only blog about the daily life of a Realtor you’re making it really hard for Google to establish your expertise. By all means write about your daily woes but also write about why not every golf course is a sound investment, for instance. How one goes about getting the finance necessary for buying a golf course and what are the signs that a golf course is a good investment.

4. Tell the world what you do. Don’t just write. In the age of connectivity time is critical and no one has a lot of it to spend on reading all the time. Videos, Gifs, pictures and Tweets, all form a rich tapestry of content that helps create a more granular picture of who you are and what you do.

5. Connect the dots. The semantic web is social. The sharing of your content across social networks, the connectivity you make between the people you meet and the content you share, all form part of a complex matrix where what you share, who you are and you do become part of a very detailed picture.

All of this of course presupposes two things (again). First that you have a very carefully worked out content creation strategy that allows you to slice-and-dice your ‘message’ and inject it into the content you create. Secondly that Google’s semantic search is good enough to piece it back altogether.

Google is getting there with the second. To win in the semantic web you’d better make sure you’re there with the first. Keep in mind while the example of semanti search here is a real estate agent, this works the same whether you are a lawyer, plumber, or other industry.

David AmerlandThe real estate article above was written by David Amerland who is one of the foremost experts on the subject of search engine optimization (SEO). David Amerland is the author of ‘The Social Media Mind’ and the best-selling ‘SEO Help’, ‘Online Marketing Help’ and ‘Brilliant SEO’.

His books on online marketing, SEO and the social media revolution have helped thousands of entrepreneurs build successful online businesses. When he is not busy writing he advises companies and start ups on social media strategy and gives talks about the social media revolution on the web.

He maintains his own blog at http://helpmyseo.com where you can find practical SEO and social media advice and spends more time online than is probably healthy.

You can follow both David Amerland on Google Plus  and Bill Gassett on Google Plus where you will find both using this great social media tool to create relationship with others and share content worth reading. We both hope to see you there!

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Closing A Short Sale

Short sales can easily take two to three times longer to complete than a traditional real estate transaction. Keeping this in mind it makes sense to be well prepared if you need to short sale a Massachusetts home. Follow the outline below and you will be well on your way to increasing your chances that you will end up at a closing table.

Hire A Realtor Who Closes Short Sales

Massachusetts Short Sale RealtorChoosing a Realtor who understands the short sale process is a critical one. On of the biggest stumbling blocks to short sale success is hiring any ole real estate agent to represent your interests in a short sale. Trust me there are Realtors taking short sale business who are absolutely clueless. Even though it is against the code of ethics for a Realtor who has no knowledge of short sales to list them, it happens all the time. In other words don’t choose the short sale Realtor pictured to the right!

Some of the first steps of a Realtor representing a short sale candidate include:

  • Conducting a thorough interview of the short seller
  • Establishing whether there is a valid hardship
  • Determining lender/lenders
  • Figuring out approximate remaining mortgage balance
  • Determine what type of loan i.e FHA, Conventional or Fannie Mae
  • Finding out if the seller is in default
  • If so finding out how long in default
  • Figure out if the seller is motivated and cooperative

If the short sale agent you are interviewing is not asking these questions then this could be the first clue this Realtor is not the right agent for the job! Once an agent has done their home work on the seller and has gone ahead with listing the home for sale, they then have to perform the function of finding the right short sale buyer. Finding the appropriate buyer in a short sale is a lot different than a standard real estate sale. You MUST have a buyer that understands the short sale process and is completely invested in the home.

What does invested mean? You want a buyer that is willing to wait the time it takes to complete a short sale and also go ahead with completing their responsibilities just like any other real estate transaction. Responsibilities include getting a home inspection done, signing a purchase and sale, and procuring financing. All of these things should be done prior to short sale approval NOT after. One of the biggest reasons short sales do not close is because of the Realtor not understanding how to properly represent a seller.

Work With An Attorney Who Closes Short Sales

Massachusetts Short Sale AttorneyThe attorney you use in your short sale can have a huge impact on whether or not you get to the closing and also get your desired terms. Just as a real estate agent should have experience in closing short sales so should the attorney if you have one. By the way in my opinion it is vital to have an attorney representing your interests in a short sale!

A real estate agent should not be practicing law which is exactly what happens when you have a Realtor who negotiates a short sale contract and approval letter. Luckily for me I have one of the best short sale attorneys in Massachusetts representing all of my clients! Here are some of the things a good Massachusetts short sale attorney will be doing to get short sale approval:

  • Understand and maintain lender guidelines
  • Secure forms for each lender and/or servicer
  • Run a title exam on the seller’s property
  • Identify any liens and/or encumbrances
  • Identify all individuals on deeds and mortgages

Complete Short Sale Package

Short Sale PackageOnce these things are done the short sale attorney will assist in sending a complete “short sale package” to the lender. The short sale package that is submitted to the lender will include the following items:

  • A short sale “hardship letter” which will explain to the lender why the seller needs to complete a short sale
  • The seller’s tax returns from the prior two years
  • The seller’s current pay stubs
  • An authorization letter from the seller stating the attorney will be communicating and receiving lender docs on their behalf
  • The listing agents contract and purchase and sale if available

The completeness of the short sale package is vital in a short sale and often times can hold things up if the lender does not have all the documentation when they ask for it. A good attorney confirm the lender has everything they need when asked for it. Often times negotiators will claim they never received documentation that was already sent. The attorney will also keep all seller financial information updated and forwarded to the lender every 30 days or as they require.

One of the biggest roles the attorney has is maintaining a constant line of communication with the lenders negotiator. When a negotiator asks for a document the attorney needs to jump on it right away.

Short Sale Negotiation

Successful Short Sale NegotiationFrom a seller’s point of view there is nothing more important than short sale debt removal. Whoever is negotiating the short sale for the seller plays the biggest role in a seller’s financial future. Again I would never recommend using a real estate agent to negotiate a short sale.  The attorney I use negotiates on my seller’s behalf and looks to get the best deal possible from the lender/investor.

For example lets assume for a moment that a seller is $75,000 short at closing. The role of the attorney would be to try to get the $75,000 short sale deficiency eliminated! Today it is a lot harder to get a short sale debt completely removed but that is the goal. In many cases the lender will not agree to a complete debt removal but will accept either a cash contribution at closing or ask the owner to sign a promissory note. In short sales the amount that a lender typically tries to collect is pennies on the dollar.

While every short sale is different, using the example above a lender could ask an owner to bring $5000 to closing and agree to waive the remaining $70,000 balance. Often times in a short sale an owner has absolutely no cash and it would be impossible for them to contribute anything at closing. In this case the lender may ask for a $15,000 note be signed at favorable terms. Again these figures are just examples but show the type of monetary contributions lenders ask for. Keep in mind lenders will check your finances and know when they can’t get blood out of a stone. One the flip side if they see you have money to contribute, the likelihood is strong they will ask for something.

Aside from the negotiation of the dollar amounts the short sale attorney should also be looking to eliminate the possibility the lender can come back after you in the future for any remaining mortgage balance. This should be completely spelled out in the short sale approval letter.

Short Sale Obstacles

Short Sale ObstaclesBefore you ever get to the negotiating table with a lender there can be obstacles that pop up along the way. One of the most common short sale problems is disputes over value with lenders. This is one of the more common issues and can easily derail the short sale if you are not familiar with how to tackle the problem.

In every short sale the lender will send out a representative who will evaluate the current market value. This is either done by an appraiser or another real estate agent. They will do an analysis of value and report their findings back to the lender. The lender unfortunately can treat this value as “gospel”.  You are at the mercy of whatever the agent or appraiser has to say as far as value goes.

Here is where the biggest problem occurs. Most of the time it is not an appraiser that will do the evaluation but a real estate agent that the lender chooses. Here is the rub. The agent who does this work for the lender generally gets paid $40-80 dollars to do hours worth or work evaluating the properties value. Can you guess what type of agent has the time or inclination to work hours and only get paid $40-80 dollars. If you guessed bottom of the barrel then you are right on the money. Sometimes the agent isn’t even from the area and knows nothing about local value and differences between neighborhoods. Pardon the French but it can be a real shit show.

When a lender is given an evaluation that does not make sense they will counter offer at some ridiculous value that makes absolutely no sense. This is where a skilled short sale agent comes in that knows how to dispute a foolish evaluation given by some nit wit who is practicing real estate part time on the side. I kid you not this happens far too often!

Picking the right short sale Realtor and attorney is a vital part of short sale success!

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About the author: The above Real Estate information on how to achieve short sale success was provided by Bill Gassett, a Nationally recognized leader in his field. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-435-5356. Bill has helped people move in and out of many Metrowest towns for the last 26+ Years.

Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise!

I service the following towns in Metrowest MA: Ashland, Bellingham, Blackstone, Douglas, Framingham, Franklin, Grafton, Holliston, Hopkinton, Hopedale, Medway, Mendon, Milford, Millbury, Millville, Natick, Northboro, Northbridge, Shrewsbury, Southboro, Sutton, Wayland, Westboro, Whitinsville, Worcester, Upton and Uxbridge MA.

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Using Google+ As a Real Estate Agent

 

David AmerlandThe following article is written by David Amerland who is one of the foremost experts on the subject of search engine optimization (SEO). David Amerland is the author of ‘The Social Media Mind’ and the best-selling ‘SEO Help’, ‘Online Marketing Help’ and ‘Brilliant SEO’. His books on online marketing, SEO and the social media revolution have helped thousands of entrepreneurs build successful online businesses. When he is not busy writing he advises companies and start ups on social media strategy and gives talks about the social media revolution on the web. He maintains his own blog at http://helpmyseo.com where you can find practical SEO and social media advice and spends more time online than is probably healthy. You can follow him on Google+ or Twitter @davidamerland.

There are few industries in the world that quite share as many challenges when it comes to online promotion as the Real Estate one. The busy realtor who struggles to carve up enough time to spend with potential buyers and sellers and still run his business, also has to contend with the demands made by the transition of marketing from traditional to digital.

Google Plus Real Estate SearchThere is a paradox here that must be addressed. While for most industries the transition from offline to online means greater opportunities and an increase in ROI due to the efficiencies achieved through the web, for the real estate industry as a whole it presents a real challenge. Real Estate, a proposition that is hyper-local, has to, somehow, also work on a global scale. Homes being sold in Texas may find buyers in Idaho. Villas in Florida can be bought by holiday home seekers in Britain.

Those looking to relocate from one State to another, or even one country to another, have to be able to find what they want outside their own search bubble. The realtor is expected to have a powerful presence in local search, achieve high rankings in global search and still run a business that has no regular hours and is plagued by a volatile target audience.

For realtors the only answer to the challenge represented by ‘online’ was to either specialize and hyper-localize in terms of both sellers and buyers in which case the issues raised by the complexity of being found through search became somewhat easier, or to put enough time and money into the digital part of the real estate business and hope the ROI worked. Either way the solution required curtailing the ability to work properly by either committing to a smaller, deeper part of the market or a greater expenditure of money. Both choices come with inherent risks.

Now however, there is another way.

The power that lies in “connecting the dots”

Real Estate Google Plus ConnectionsGoogle+ is frequently called in the media “Google’s Social Network” but it is a lot more than that. It is a set of powerful socialization tools that allow the creation of social signals right across the web. In order to quantify this a little let’s look at what is also frequently mentioned in the media as the “competing social network” to Google+ – Facebook.

The listing of a villa for sale in Florida posted on Facebook may get a little bit of interaction with some of those who see it, it may get re-shared a few times, particularly if it is a spectacularly appointed or expensively priced villa, but its finding a buyer has about the same chances that traditional, one-off print advertising offers or worse as at least the latter can lie around for a while the former will get buried in the stream within a couple of hours or so.

The chances then of the right person seeing it, at the right time, with the right mindset, are so slim that they hardly do justice to the effort involved in posting it. Now look at that same listing posted on Google+. The data is indexed by Google. The search engine notes that the listing is for a villa in Florida. It sees that those who interacted most with the listing come from Britain. It notes that the person who posted it frequently blogs about villas, engages in posts about real estate in Florida and interacts with realtors and clients who are based in the State.

The next thing you know a potential buyer doing a search on Google for moving services to Florida sees, in the suggested results on Google search, the name of the realtor who sells villas there. A different person using Google’s UK index to look for “luxury homes in the US” also sees the name of the realtor selling villas in Florida. And, if the realtor has done his homework and linked his G+ account with his website, they also see, each time, a thumbnail of his picture next to the suggested content that appears on Google search.

What has happened here is that by creating a breadcrumb trail of activity the clever realtor has engaged Google search to act as his personal real estate billboard, complete with publicity picture, when it’s relevant to the search query.

No more time wasters

Google Plus SEOThe key here is relevance. Search only works when it creates what is increasingly called, contextual value. There is little point in having your real estate listings show up on a search for Florida someone is carrying out as a school project, for instance. Here Google+ and Google become almost synonymous in purpose and the bridging link is data. But the gift is not just granted, you need to work for it.

The data you input in your Google+ profile, the connections you make, the interactions you have and the posts you place there are all part of an increasingly visible digital footprint that begins to define ‘you’ as an entity in Google’s search. That means that what you do and how, locally and globally begins to now make sense the way humans would understand it and machine search, in the past, didn’t. Which also means that you are then more likely to have a targeted audience in Google search than ever before.

If all this sounds like you can finally begin to achieve more in the digital world, in real estate, with less it’s because that’s exactly what it is. The caveat is that you will need to invest time in a content creation plan that will, in its totality, help create as complete a picture of you and your business as possible, link your website to your Google+ profile and behave online with the authority and expertise and generosity of advice and engagement that you do offline.

Do all this and suddenly the job of being a realtor will begin to sound a lot less demanding than it currently is. The time for using Google Plus For Real Estate is here! If you are a Real Estate agent reading this article don’t get lost in the shuffle! Google Plus can be a Realtors best friend if you know how to use it properly!

If you are in the Real Estate industry whether is be a Realtor, mortgage broker, or home stager make sure you join the Google Plus Real Estate Community. There are great discussion daily on a wide variety of topics related to Real Estate and how you can grow your business!

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Buyer’s Agent Representation For Short Sales

 

Massachusetts Short SalesIn every real estate transaction I am a firm believer of a buyer having representation. It makes perfect sense for a home buyer to have someone in their corner giving them guidance. Unfortunately when it comes to short sales I have found that so many buyer’s agents are not properly educated enough to do a proper job.

Short sales are not ordinary real estate transactions and as such an agent who has no knowledge should no even consider getting involved with one unless they have another agent who does mentoring them. While representing home owners who have needed to short sale their property over the last seven years I have noticed time and again real estate agents who don’t even understand the basics of short sales. If you are a buyer and are considering purchasing a short sale I am going to go over some of the basics below on what you need to understand before entering into one of these transactions.

Short Sales Take Time

Short Sale Closing TimeIf you are considering buying a short sale the first thing you need to understand is that they take far longer to purchase than a non-short sale. On average it takes around 90-120 days to get short sale approval. In some cases it can be a lot longer! For example if there is more than one loan on the property and both are “short” then you will need to get approval from both lenders. This will add time to the overall process of getting to the closing table.

It is also possible that the original  mortgage the owner had on their home was an FHA loan. If that is the case than you can prepare yourself for an even longer journey. As crazy as it sounds, it is quite possible it could take 6-9 months or longer to get to the closing table with an FHA loan. This is obviously a question your buyer agent should be asking right up front. Guess how many buyer’s agents have asked me this question over the last seven years? If you said zero you would be correct!

On some short sales Fannie Mae or Freddie Mac is the investor holding the note. There are many buyer’s and agents who will ask the question who is the lender? Lets assume for a minute the lender is Bank of America (BOA). That does not mean that Bank of America is necessarily the decision maker. They may not actually own the note and are just the “servicer”  for the investor.

There could be 20-30 investors that own notes that BOA services. This is one reason why one BOA short sale could be a nightmare and the next smooth sailing.  This is true of most lenders not just BOA. On some loans there could also be mortgage insurance in which case the insurer also has to approve the short sale. Are you starting to get the picture here? Short sales are one big bureaucratic mess. If you were thinking that short sale approval was as simple as  some dude was sitting behind a desk making decisions then you are wrong!

The long and short of all this is that a buyer’s agent should not get a buyer involved with a short sale transaction unless they have the time to see it through until the end. Keep in mind that a seller going through a short sale is in a tough financial position. The last thing they can afford is an uneducated buyer thinking it is fine to bail on them after a month because they are tired of waiting for a short sale approval to be issued.

Be Prepared To Spend Money

Short Sale InvestmentIn every real estate transaction there is risk. When you purchase a home some of the typical expenses a buyer should be prepared for are home inspections, hiring a lawyer for contract review, and applying for a mortgage. In many short sales I see buyer’s agent’s trying to structure the contract such that the buyer does not have to spend money on any of these things until there is short sale approval.

Sure it would be nice to go around in life to never have any risk in anything you do but that is not how it works when purchasing a short sale. Well actually let me rephrase that. This is not how it works in any short sale where I will be representing the seller! The goal in any short sale is to actually get to a closing. When you try to change the rules of real estate you increase the likelihood you will not be closing. There are reasons why a buyer should get their home inspection done, why they sign a binding contract and why they procure their financing prior to short sale approval. For a complete explanation of why a buyer should complete these tasks up front see reasons to reject short sale offers.  Being educated on the entire short sale process is vital.

Interview The Listing Agent

Massachusetts Short Sale RealtorsWhy on earth would you want to interview the listing agent you may be thinking? The answer is real simple….you want to be able to find out what the chances are that you will actually close on the home you are interested in purchasing. Closing short sale transactions are far more complex that a regular sale. The listing agent in a short sale should have experience closing them! This can not be emphasized enough. There is nothing more important in a short sale than the listing agent having a track record of success.

For example if the listing agent allows you to do a home inspection after short sale approval do you really think they have any clue what they are doing? Would they be representing their clients interest to allow this? Do you think there would be plenty of short sales that bit the dust right before closing if this was allowed?

Here is a detailed list of short sale questions for a listing agent. These questions should be able to help you get a better grip on whether or not the Realtor knows what they are doing. You should at the very minimum be finding out how many short sales they have listed and how many of those have closed. You should also be making sure that if your offer gets accepted the seller signs it and the home is taken off the market. Remember without a signed contract, the seller can accept a better offer from someone else.

Short Sale Low Ball Offers

Massachusetts Short Sale GambleIf you think short sales are an open invitation for you to offer some ridiculous price then you are wrong. The chances of a lender accepting something significantly under value is slim to none. What buyer’s agent and buyer’s need to understand is that the lender is going to verify that the offer the seller has accepted makes fiscal sense. The lender will either send out an appraiser or another real estate agent who will do an analysis of value on the home and send that back to the lender. The lender will use this information to form the basis of their decision on whether to accept, reject or counter offer.

It makes no sense for an owner to accept a low ball short sale offer. When a seller does this they have taken their home off the market for months and are almost assured that they lender will say NO! For a seller to accept a low ball offer would essentially be gambling away any chance they have for short sale success.

A short sale should be a decent value and more often than not slightly under market for what a similar property should sell for. Don’t expect the world though. Lenders are much tougher today with value and getting the most they can.

Short Sales Are “As Is”

Short sales are generally as is transactions. Don’t expect a seller to go out and make repairs after doing a home inspection. The whole reason they are doing a short sale to begin with is because they don’t have the financial means to keep the home. If you happen to do a home inspection and there is a major defect that you were not expecting what you should try to do is negotiate a lower sale price.

The listing agent will want to document the defect to the lender. They will do this by providing the inspection report to the appraiser or real estate agent who does the evaluation on their behalf. Do not expect to negotiate a bunch of silly “punch list” type of items from a home inspection. Go into the sale with an open mind knowing you will need to do some work.

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About the author: The above Real Estate information on educating a buyer looking to purchase a short sale was provided by Bill Gassett, a Nationally recognized leader in his field. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-435-5356. Bill has helped people move in and out of many Metrowest towns for the last 26+ Years.

Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise!

I service the following towns in Metrowest MA: Ashland, Bellingham, Blackstone, Douglas, Framingham, Franklin, Grafton, Holliston, Hopkinton, Hopedale, Medway, Mendon, Milford, Millbury, Millville, Natick, Northboro, Northbridge, Shrewsbury, Southboro, Sutton, Wayland, Westboro, Whitinsville, Worcester, Upton and Uxbridge MA.

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A Look Ahead to The 2013 Real Estate Market

December 15, 2012

Tweet Underwater Nation: A Look at the New Year   The following article is a guest post from Jared Diamond who writes on a multitude of personal finance and economic topics. He enjoys sharing insights with broad audiences. Jared serves in a consultancy role with a dynamic set of personal finance companies. The views expressed [...]

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Selling a Massachusetts Home and Picking a Realtor

November 25, 2012

Tweet Selling a Massachusetts home today is not like it used to be back in the middle of this decade. Quite honestly when you needed to sell a home back then it was as easy as convincing a dog that table scraps taste better than what’s in his bowl. Boy has the Real Estate landscape [...]

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Buying A Condominium Using FHA Financing

November 2, 2012

Tweet Why Is FHA Financing So Popular?   I am excited to announce guest blogger Michael Dunsky from Guaranteed Rate Mortgage who will be covering some of the terrific benefits to FHA financing when you are purchasing a condominium. Michael has been one of my preferred loan officers for years and always does an exceptional [...]

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Maximum Real Estate Exposure

October 19, 2012

Tweet Maximum Real Estate Exposure in Massachusetts   As a top Massachusetts Realtor, one of the things I am constantly keeping aware of is how to make sure my clients properties and my business itself are marketed to the fullest. There are so many Realtors that don’t pay any attention to SEO or Social media. [...]

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Home Warranties vs Home Insurance

October 5, 2012

Tweet Home Warranties vs Home Insurance: What you need to know.   The following article is a guest post from Kaitlin Ziessler who is a blogger for American Home Shield. Her goal is to inform readers about the differences between home warranty and insurance plans. Other topics she blogs about include appliance repair tips and [...]

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Short Sale Negotiations|Seller Cash Contribution

January 23, 2012

Tweet Negotiation With Short Sale Lenders In working in the short sale arena for the last five plus years, I have seen lenders do just about everything when it comes to negotiating short sales with home owners. There really is no “standard” in short sales. The way one short sale file at one particular lender [...]

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