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John Nimmo

Real Estate Pricing. What's the real story?

Why are prices on real estate so high?  Mostly, pricing is established by the "sellers".  A REALTOR can only suggest what the listing price may be.  That being said, there are so many games being played by real estate sales people with regard to price.  It is possible that the agent will suggest a very high price just to ge the "listing".  More than not, this usually results in the property being listed and not sold.  Eventually, if the price is "reduced" at a later date, the seller can only weap at the lost opportunities for earlier sales, if the price had been fair from the on set.  Additionally, 98% of properties that are sold are financed via a mortgage or lending institution.  It is very common that the lender will require an appraisal of the property to determine some value that will satisfy their lending requirements.  If the price is inflated, the property will NOT appraise and the prospective lender will not loan enough money to get the property bought.  That only leaves 2% of buyers who will pay cash for a property.  Those buyers, sometimes will purchase the property even with it's inflated price because they have the means to do so.  BUT... Statisticly, it is only 2% of the time.  IF you want to learn more.  Let me know.
Published Wednesday, December 12, 2007 10:59 AM by John Nimmo

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Carin said:

Homebuyers can save money by insuring their mortgage with a term life policy. This is usually cheaper than bank mortgage insurance, and allows the homebuyer and not the lender to name the beneficiary. Certain term life policies also offer the option of converting into whole life insurance once the term has expired, usually without additional medical questionnaires. If you would like to learn more about this alternative, please visit us at http://www.life-insurance-quotes.ca

December 18, 2007 7:20 AM
 

Rex said:

Prices will reflect what the market will bear.  The seller can hold and wait for their asking price or reduce the price to reflect actual market conditions.

What are market conditions.

1) Buyers in the market to purchase

2) Lending banks with available funds

3) Loan interest rates,

4) Sellers willing to sell or hold and wait for the asking price.

As of Jan-2009 condition 1 and 2 are very soft.  When the economy improves buyers will increase.

January 14, 2009 8:12 AM
 

John Nimmo said:

Realize that the real estate "market" is highly, highly localized.  What occurs in rural Southern Illinois is not a reflection of the national market.  Another example of this issue is the recent political election.  In Southern Illinois there is a large constituency of conservatives.  However, that is not reflected in the Illinois political spectrum.  Real estate is much the same.  Most of the naitional media statistics are based around areas like Arizona, Atlanta, Dallas, Chicago; more metropolitan areas where there are many foreclosures.  Rural and farming communities are sometimes at least partially insulated from these economies.  When you hear that housing costs are depreciated over 23% nation wide, consider that that is an average.  Not an altruistic truth about all real estate transactions.   Interest rates are the prime motivator still.  As rates continue to fall, transactions frequency will increase.  Call with comments or questions or feel free to "Blog" me back.

January 15, 2009 10:24 AM

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