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Mortgage
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Your Credit Scores

2010
Re-Location
Guide

My Qualifications

 Top Producer
Prince William
Assoc.of REALTORS®
2003-2006

Member:
Northern Virginia
Assoc.of REALTORS®

 Virginia
Assoc.of REALTORS®

NATIONAL
Assoc.of REALTORS®

  Main  Real  Estate  Do's  &  Don'ts

and
  Good  Things  to  Know  About  Real  Property
(in progress)

Subject: Valuation

    DO:

• for Sellers:

  Properly value your home prior to listing. This is one of the most important things a seller needs
   to do. For the best valuation, you should consider getting an appraisal. Only licensed appraisers
   are qualified to perform this task. A real estate agent who is not licensed as an appraiser, will be
   only able to do a comparative market analysis; this is not as valid as an appraisal. Suggestion:
   Take the time, and do it right.

   (Note: Good news! I am an appraiser, and I’ll help.)

• for Buyers:

  Work with a Realtor-Appraiser. You’ll be given the best information about property valuation.
  

Subject: Deeds Which Convey Property Rights

• General Warranty Deeds vs. Special or Limited Warranty Deeds

  When transferring real property, the Seller (known also as the Grantor), is required to provide a
  specific warranty to the Purchaser (Grantee, receiving the grant) by issuance of a document known
  as a deed. 

   The highest form of deed to be received is the General Warranty Deed.
  In receiving this deed, the grantee will have the fullest protection and warranty against title defects
  and will receive the highest quality of title.  The grantee receives 5 warranties (covenants):

    1-The grantee is guaranteed that the grantor owns the property with the right to convey
      to the grantee the rights of ownership.
        (Covenant of Seisin)

    2-The grantee is guaranteed that there are no encumbrances against the property, except
      those which may be noted in the deed.
        (Covenant Against Undisclosed Encumbrances)
 
    3-The grantee is guaranteed that there are no superior claims or right(s) to the property by
      any other persons or entities.
        (Covenant of Quiet Enjoyment)
 
    4-The grantee is guaranteed that if a superior claim to title would arise, the grantor will do
      whatever is necessary to deliver clear title.  (Covenant of Further Assistance)

    5-The grantee is guaranteed that if a title claim cannot be cleared, the grantor guarantees
      monetary compensation for the loss.
        (Covenant of Warranty Forever)
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

If a grantee receives a Special or Limited Warranty Deed, there is only 1 Covenant.

    1-The grantee is guaranteed that there are no encumbrances against the property, specifically
      and only those caused the grantor.  There is no guarantee against previous owners.
        (Covenant Against Undisclosed Encumbrances)

NOTE:  The Special or Limited Warranty Deed is mostly used by trustees, custodians, agents,
       and executors.

Subject: Home Condition Before Listing

DO:

• for Sellers:

Consider a home inspection if your home is aged or if you want to expedite the sale of your home. A home inspection will help you better see home deficiencies (if you have any). By correcting these before listing, you’ll be able to better market your home and overcome any issues a purchaser would have had.

The time and aggravation you can save is astounding. Plus, you’ll generally be rewarded with a higher sales price!

Consider painting and decorating for a fresh look.
Generally, neutral color schemes are preferable.

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