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Thursday, September 6, 2007
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   Thursday, September 6, 2007

Texas Foreclosure Homes
Texas is filled with big spenders and big winners, as well as big losers. The recent real-estate boom in Texas is currently experiencing its inevitable crash. The people who, a few years back, bit off more than they could chew, are flooding the Texas real estate market with huge bargains. Texas foreclosure sales are as abundant as ever, and now is the true real estate boom for those looking for an incredible real estate deal.
Foreclosure occurs when a home or landowner fails to re-pay their loans. This happens for a number of reasons, and happens most often in places of great wealth such as Texas. When an oil billionaire spends millions of dollars on a ranch, and finds his well has run dry, that same ranch might be sold for a fraction of its value to someone keeping a step ahead of the game. White-collar criminals, tax evaders and the oil-rich make excellent targets for foreclosure sales. Just a little sloppy bookkeeping and some of Texas' greatest pieces of property are auctioned off at incredibly cheap prices.
Because the lenders are the sellers in the case of foreclosure sales, the prices can remain very low. It is always in the best interest of the lenders to get this property off of their hands as quickly as possible, and with as little effort. Foreclosure homes will have no brand new rollout sod, no fresh flowers on the table or smell of baking cookies, nor does the buyer have to pay for these superficial perks. Foreclosure homes are sold as the buyer left them, which is partly why they are able to be sold for so little. Banks are good at lending money, but want nothing to do with the real estate market; they'll leave that part to you.
It is not a coincidence, though, that when one rich and well-connected Texan loses a property, another rich and well-connected Texan gains a property. These foreclosure auctions are kept highly secretive, and are attended by an elite few. Real estate moguls and intelligent entrepreneurs hire lawyers and full-time staff to research foreclosures, and have excellent ways of finding it. It is only recently that businesses have made this type of information available to the general public at affordable prices.
Even though foreclosure auctions are technically and legally required to be made public, too many loopholes make these notification laws something of a joke. Public notices are mysteriously lost or appear mere hours before the auction takes place. There was a time when it was not uncommon for there to be only one "bidder" at a Texas foreclosure real estate auction, and the price long set. Thanks to recent foreclosure exposure, these underhanded deals are not nearly as common.
But while foreclosure auctions can be accessed by the general public in Texas, they are still very hard to find and offer amazing deals. It takes a lot of guts to buy a foreclosure property as it happens quickly and is sold as-is. Those with a little help and planning can walk away with a brand new home and, even, a brand new real estate career. Texas foreclosure real estate is the new oil, and you may be its next billionaire.
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Bob Smith is a freelancer but regularly writes for ForeclosureDeals.com. You can get more information on Texas foreclosure homes at http://www.foreclosuredeals.com.


New York Foreclosure Homes
New York City is undeniably one of the world's most exciting cities. Alongside its bustling cosmopolitan charm, it is minutes from exceptional New England countryside. No matter where you are in New York, a home or property is extremely valuable. Unfortunately, its price tag will reflect this. What may have been a reasonable reality for your parents; purchasing real estate in New York seems to this generation to be an impossible feat. In the last few decades, New York real estate prices have skyrocketed and you would be lucky to buy yourself a New York camper van on a bus-driver's salary.
There is, actually, an alternative to living in your car in New York. New York foreclosure property is a real way to buy land an incredibly low price. Foreclosure sales occur when a home or landowner is unable to continue to pay off their home loan. Their land is then re-possessed by the bank or lending institution and sold at an auction. While most of the institutions doing the selling are banks, other lenders take on these responsibilities as well.
There are several common types of foreclosures that occur in New York, and one of the more common is a HUD foreclosure. HUD is the government department of Housing and Urban Development that gives out specific types of home loans. The government backs up loans given to what would be considered high-risk lenders. These loans are commonly defaulted on and the government takes responsibility for selling the property; quickly. No institution wants to hold on to a property for long; it is a burden and banks are simply not in the real estate business. It is in the best interest of the lender to get the property off of their hands as quickly as possible, and this tends to make these properties incredibly cheap.
You may have heard mention of these auctions, but most likely have never attended one. This is not surprising. Even though New York foreclosure auctions happen all the time, very few people know about them. Though, legally, all foreclosure auctions must be made known to the public, this rarely happens the way it is supposed to. Simply follow the money and you will find government officials and other well-connected New Yorkers finding incredible bargains on conveniently auctioned foreclosure properties all the time. These foreclosure auction notices are often published in obscure publications hours or minutes before the auction takes place. The fewer bidders at an auction, the lower the price.
Foreclosure real estate, if you can find it, is an excellent way to break into the real estate market. Often these properties are sold "as is" and make great fixer-uppers and quick-flippers. Many people use their first foreclosure home sale as seed money for a real estate enterprise, while others simply purchase a family home that is bigger and better than what they originally believed they could afford. Whatever your reasons and means, foreclosure is a great way to find bargain property in New York.
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Bob Smith is a freelancer but regularly writes for ForeclosureDeals.com. You can get more information on New York foreclosure homes at http://www.foreclosuredeals.com.


Prepare the exterior of your home for sale
Are you thinking about putting your home on the market, or has it been there for a while already? You must think of your home now as a product. Nothing is for free in this world. If you want it sold fast for a reasonable amount of money, listing your home means there is work to be done. The harder you work on your property, the better the rewards. Below is a checklist of improvements to consider for the exterior of your home. In fact, if you follow this checklist, you may no longer want to leave your beautiful home! Some of these may or may not pertain to your home, but that just means you get to check them off faster!
• Spruce up you yard! A well maintained yard can be very inviting. Not only that, but no buyer wants to move in with yard work to do. There are many different things at which you may need to look.
o Edge around landscaping beds, sidewalks, and driveways.
o Weed and add mulch to your landscaping beds.
o Trim your bushes and trees.
o Make your lawn green! Mow, fertilize, and water your grass as needed.
o Get the buyers excited about your home by adding a few colorful plants and flowers. Color invokes excitement.
• Don’t just wash your floors, wash your house. You can take years off of your home by getting rid of the mildew and dirt. Spray on a mixture of bleach and water to hose off all of the grime. You’ll be amazed!
• Wash the driveway too! Whether you hire a professional or do it yourself, this is a must.
• If you have a paintable surface on the outside of your home, how does it look? Painting is the most cost effective way to improve your home. Whether it is a door, trim work, the deck, or the whole home, seriously consider updating the color used. The results will be astonishing!
• Get your entryway in order. If you have ever looked at homes with a realtor, you know how long you find yourself standing in front of the door while he or she is trying to get the key. There are just a few things to do here.
o Invest $6 in a new door mat. It will be worth it.
o Clean the bugs out of the light fixture and wipe down cob webs.
o Clean the windows and the door.
o Add a real plant. Make it an interesting one so they don’t notice the cob webs above them.
• Are there items around the outside of your home that you no longer use? Whether it is a swing set, old car, or just plain garbage, throw it or give it away!
• Do you have room to add a deck or patio? Today’s homebuyers are very interested in outdoor living. In a sense, by adding a deck or patio, you are adding livable space. If you already have one, make sure it comes across as comfortable and inviting.
• Add outdoor lighting. This can be an inexpensive project that will show you have gone the extra mile. The buyers do generally look during the day; however, they will know it is something they will not have to do. Also, an interested buyer may drive past at night. What better way for them to see your home but with a softly lit landscape?
• Do you have outdoor pets? Make sure you can’t tell that you do! Replace damaged grass, clean up the poop, and pick up the toys, whatever is required to make sure they don’t notice you have four-legged loved ones. If the potential buyers do not have pets, they might not find a large chewed-up bone laying in the front yard so cute. Do make sure when you are showing the house to put your pet outside on a leash.
• How is the appearance of your fence? If it is not in great condition, paint it, replace it, or take it out. An unattractive fence can not only make your property look dated, but also poorly maintained.
• If you have an older home, are there things you are considering for replacement?
o Install a new door. Although it might cost a bit, if you buy a stunning door it will set your home apart from the others.
o If your home is 15 years or older, you may consider new windows. Not only can they update and improve the looks, but they are also more energy efficient than older windows.
o How old is your roof? If has been there for more than 20 years, it would be wise to replace it. Home buyers will take the expense of an old roof into account. If it is not old, but looks dirty, consider cleaning it. Cleaning solution for this can be purchased at your local hardware store and will cost much less than replacing it.
o Is your mailbox unsightly? If it looks like the neighborhood kids took a baseball bat to it or just simply weathered, replace it! It is a small price to pay to keep your home looking well maintained.
These are all things that can improve the salability of your home. Think about it this way: what is the first thing you do when going to trade in your car? Hopefully, you clean it to get the most money for your trade in. You need to do the same with your home, which is a much larger investment. By checking off most, if not all, of the items on the checklist, you will have a clean and presentable home ready for sale. Good luck and wear gloves!
If you would like to learn more about this topic, please visit www.interiorsrevitalized.com