by rtdosen | Dec 8, 2015 | Ryan Dosen Real Estate Articles
Average Home Seller Sees Much to be Thankful For By Ryan Dosen Meet Joe. Joe is your average home buyer. Joe looks a little different today than he did in recent years, but not a lot has changed. Joe is a little less likely to be first time homebuyer and he may even be looking to buy a multi-generational home to take care of parents or grown children. Joe has to deal with lower inventories in his home search, making him spend more money for a home and more time looking for a home. He is also dealing with tight lending requirements that will make buying even more difficult in the unlikely event that he is a first-timer. We just learned a lot about Joe because the National Association of Realtors (“NAR”) recently released its 2015 Profile of Home Buyers and Sellers. There’s nothing too alarming about NAR’s findings, but it is interesting and potentially helpful to take a closer look at the anatomy of today’s home buyer. Today’s Home Buyer NAR reports that average home buyer Joe is 44 years old and most likely married (67 percent chance). He has a median household income of $86,100 and he is buying a home for around $220,000. Joe’s new home was built about 14 years ago, with approximately 1,900 square feet of livable space, three bedrooms, and two bathrooms. Joe’s new home is also just a median distance of 14 miles from his last residence. Joe spent about 10 weeks searching for homes and wound up actually seeing about 10 homes before making a buying decision. He most likely began...
by rtdosen | Dec 8, 2015 | Ryan Dosen Real Estate Articles
Anatomy of a Home Buyer By Ryan Dosen Meet Joe. Joe is your average home buyer. Joe looks a little different today than he did in recent years, but not a lot has changed. Joe is a little less likely to be first time homebuyer and he may even be looking to buy a multi-generational home to take care of parents or grown children. Joe has to deal with lower inventories in his home search, making him spend more money for a home and more time looking for a home. He is also dealing with tight lending requirements that will make buying even more difficult in the unlikely event that he is a first-timer. We just learned a lot about Joe because the National Association of Realtors (“NAR”) recently released its 2015 Profile of Home Buyers and Sellers. There’s nothing too alarming about NAR’s findings, but it is interesting and potentially helpful to take a closer look at the anatomy of today’s home buyer. Today’s Home Buyer NAR reports that average home buyer Joe is 44 years old and most likely married (67 percent chance). He has a median household income of $86,100 and he is buying a home for around $220,000. Joe’s new home was built about 14 years ago, with approximately 1,900 square feet of livable space, three bedrooms, and two bathrooms. Joe’s new home is also just a median distance of 14 miles from his last residence. Joe spent about 10 weeks searching for homes and wound up actually seeing about 10 homes before making a buying decision. He most likely began his search for a...
by rtdosen | Dec 3, 2015 | Uncategorized
Üdvözöljük a Lemon casinó útmutatójában. Ez a cikk segít elsajátítani a regisztrációt és a bejelentkezést. A Lemon casino egy népszerű online kaszinó, amely könnyű használatot kínál. Kezdjük el az alapokat, hogy gyorsan elkezdhess játszani. Miért válassza a Lemon casinót? A Lemon casino sok játékot kínál új játékosoknak. Itt találhatóak slotok és asztali játékok. A platform felhasználóbarát, ami jó választás kezdők számára. Regisztráció után gyorsan hozzáférhet a tartalomhoz. A Lemoncasino biztonságos környezetet biztosít. Minden lépés egyszerű és világos. Az alkalmazás letölthető mobilon is. Ez lehetőséget ad játszani bárhol. A design tiszta és könnyen kezelhető. Regisztráció lépései a Lemon casinónál Első lépésként látogasson el a Lemon casino weboldalára. Kattintson a regisztrációs gombra a kezdőképernyőn. Megjelenik egy űrlap, amit ki kell tölteni. Adja meg személyes adatait, például nevét és email címét. Válasszon felhasználónevet és jelszót. Győződjön meg, hogy a jelszó erős és biztonságos. Fogadja el a feltételeket és nyomja meg a küldés gombot. Egy megerősítő email érkezik. Kattintson a linkre a fiók aktiválásához. Ezzel befejezte a regisztrációt. Lemon casino login folyamat A Lemon casino login egyszerű folyamat. Nyissa meg a weboldalt vagy az alkalmazást. Írja be a felhasználónevét és jelszavát a mezőkbe. Ha elfelejti a jelszavát, használja az elfelejtett jelszó opciót. Küldünk egy linket az email címére. Kövesse az utasításokat a jelszó visszaállításához. Gyakran ellenőrizze, hogy helyesen írta-e be az adatokat. Hibák esetén próbálja újra. A Lemon casino login biztonságos marad minden munkamenetben. Fiók megerősítése A fiókverifikáció fontos lépés a Lemon casinónál. Ez biztosítja a fiók biztonságát. Küldjön el dokumentumokat, mint személyi igazolvány vagy lakcímkártya. A folyamat általában pár óráig tart. A Lemon casino csapata ellenőrzi a dokumentumokat. Miután jóváhagyják, teljes hozzáférést...
by rtdosen | Nov 8, 2015 | Uncategorized
Betfair, a través de su plataforma https://betfairs.com.es/, se ha consolidado como un referente en el mundo de las apuestas y casinos online, ofreciendo una amplia gama de opciones como Betfair apuestas, Betfair slots, y experiencias de Betfair casino online. Esta guía práctica está diseñada para usuarios que buscan dominar cada aspecto, desde el registro hasta estrategias avanzadas, con un enfoque detallado y técnico. A continuación, exploramos los pasos esenciales, características clave y consejos prácticos para optimizar tu experiencia. Antes de Comenzar: Lista de Verificación Para garantizar una experiencia fluida, revisa estos puntos críticos antes de adentrarte en Betfair casino online: Verifica tu ubicación: Asegúrate de que el servicio está disponible en tu región, ya que las restricciones geográficas pueden aplicar. Edad legal: Confirma que cumples con la edad mínima de 18 años para participar en apuestas y juegos de casino. Métodos de pago: Prepara opciones como tarjetas de crédito, billeteras electrónicas o transferencias bancarias para depósitos y retiros rápidos. Conectividad: Una conexión a Internet estable es crucial, especialmente para Betfair slots en tiempo real. Pasos de Registro en Betfair El registro en Betfair es un proceso sencillo pero requiere atención a los detalles. Sigue estos pasos para crear tu cuenta: Accede a la página principal de Betfair casino online a través del enlace proporcionado. Haz clic en “Regístrate” y completa el formulario con datos personales precisos, incluyendo nombre, correo electrónico y fecha de nacimiento. Verifica tu cuenta mediante un correo de confirmación; esto es esencial para activar funciones como retiros. Realiza tu primer depósito para acceder a bonos de bienvenida y comenzar a explorar Betfair apuestas y juegos. Aplicación...
by rtdosen | Nov 6, 2015 | Uncategorized
Condo Financing Hurdles Abound By Ryan Dosen Buying a condominium unit is probably not as simple as you think. Of course, in the post-recession wake of the real estate and mortgage meltdown of the 2000s, qualifying for a mortgage to buy anything can be quite a challenge. However, most people probably do not know that there are additional hurdles and potential roadblocks to financing and purchasing a condo. We do not have many condominiums in the West Chester, PA area, but there are plenty if you venture out to nearby Philadelphia, Wilmington, or other surrounding areas. Some local townhome projects are actually considered condominiums, and the future may see increased usage of condominiums to help cope with the conflicting needs to preserve our green space and to provide residences for an increasing population. Condo Financing Complications Local mortgage expert Ken Feinman of Approved Mortgage in Doylestown, PA says that buying a condo nowadays can be very challenging if the condo is not already approved by Fannie Mae and Freddie Mac. Fannie Mae and Freddie Mac are government-sponsored entities (“GSEs”) that that buy mortgages from lenders and sell them to investors. The catch is that in order to be purchased, the mortgages have to meet the GSEs’ requirements and be deemed “conforming”. And for condominiums, there are extra requirements for loans to be deemed “conforming”. Feinman says that some of the additional requirements for condos include production of a 90-day homeowners’ association (HOA) budget statement, a master insurance policy for the project, fidelity bond coverage (insuring the association against losses incurred as a result of fraudulent acts), proof of an...
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