Archive for category Mobile Ads

10 important documents you need to prepare, when buying or selling a home | RealtyGo_blog

Home buyers and -sellers alike often burst with anticipatory irritation at the mere thought of  paperwork their expected to complete in order to satisfy a transaction, above and beyond the basic loan application, contract, disclosures and closing docs. These little nuisances start way in advance; it’s as though, before they even start visiting open houses, buyers begin to visualize – and dread – spending hours upon hours searching through records and old files, seeking forgotten and/or boxed up documents.

The experience of obtaining a home loan is usually dreaded by most, – there are oodles of hoops through which to jump and, occasionally, the loan underwriter requests something sort of bizarre. But more commonly, there’s a pretty finite universe of documents you’ll really need to scrounge up to get your home bought – or sold. however their is a lighter side, since half the home buyers in the nation last year were first time home buyers they haven’t yet experienced such document digging or hustle and bustle of getting all their proper paper work together. So here is a few things to keep you, as their Agent/Broker on your feet, and your clients prepared for getting their desired real estate transaction closed.

  1. ID (e.g., driver’s license, state-issued ID, passport).  Who must produce it?  Buyers and sellers.  Why?  Lender wants to know that you are who you say you are, buyers, and the title insurance company wants to make sure, sellers, that you actually have the right to sell the home.  Funny enough, this commonly goes unrequested until you get to the closing table, when the notary requests to see it before signing, but some mortgage brokers and even some real estate brokers and agents may ask to see it earlier on.
  2. Paycheck Stubs.  Who must produce them?  Any buyer financing their purchase with a mortgage.  Sellers, usually only will need to in the case of a short sale.  Why? Buyers’ purchase price ranges are determined, in part, by their income. And short sellers have to prove an economic hardship.
  3. Two months’ bank account statements. Who must produce them?  Buyers getting financing; sellers selling short. Why? Buyers’ lenders now require proof of regular income and proof that the down payment money is your own.  Short sellers?  It’s all about the hardship.
  4. Two years’ W-2 forms or tax returns. Who must produce them?  Mortgage-seeking buyers and short selling sellers. Why? Banks want to see a stable, long-term income. They also limit you to claiming as income the amount of which you pay taxes (attn: all business owners!). And in short sales, again, they want documentation of every single facet of your finances.
  5. Updated everything! Who must produce it? Buyer/mortgage applicants. Why? Because things change, and because the time period between the first loan application and closing can be many months – even years! – in today’s market. During the time between contract and closing it’s not at all unusual for underwriters to demand buyers produce updated mortgage statements, checks stubs, and such – and its quite common for them to call your office the day before closing to request a last minute verification of employment! So advise your constituents not to go out and apply for that furniture loan new line of credit, in celebration of their new home, until after all the papers have been signed, sealed and delivered and title has handed over the keys.
  6. Quitclaim deed. Who must produce it?  Married buyers purchasing homes they plan to own as separate property.  Married sellers selling homes that they own separately, or joint owners selling their interests separately.  Why? With the Quitclaim Deed, the other spouse or owner signs any and all interests they even might have had in the property over to the selling owner, making it possible for the title insurer to guarantee clean, undisputed title will be transferred at the time of sale.
  7. Divorce decree.  Who must produce it? Buyers and sellers who need to document their solo status or the property-splitting terms of their divorce. Why? Again, to ensure that the seller has the right to sell.  Recently single buyers might need to prove that they shouldn’t be held accountable for their ex’s separate debts or credit report dings.
  8. Gift letters.  Who must produce them? Buyers using gift money toward their down payment. Why? The bank wants to be sure the gift came from a relative, and is their own money to give.  They also want the relative to confirm in writing that it’s a gift, not a loan – a loan would need to be factored into your debt to income ratio, which generally affects your interest rate.
  9. Compliance certificates. Who must produce them? Usually sellers, but sometimes buyers, by contract. Why? Some local governments require various condition requirements be met before the property is transferred, like some cities which require a sewer line be video scoped and repaired, cities which require a checklist of items to be met before a certificate of occupancy will be issued (usually relevant to brand new and  older homes, the latter of which are often subject to lead paint concerns) and energy conservation ordinances which require low-flow toilets and shower heads to be installed. Ask a real estate professional for advice about which, if any, such ordinances apply in your area.
  10. Mortgage statements. Who must produce them?  Any seller with a mortgage. Why? the escrow holder or title company will need to use them to order payoff demands from any mortgage holder who has to get paid before the property’s title can be transferred.

By no means is this an exhaustive list.  Agents: what documents do you see buyers and sellers struggle to produce during their home buying transactions? If we have left out some common documents that you have been seeing lately, please jot down a few words below to let others know. Thanks for Reading.

RealtyGo – Your Real Estate Listings Best Friend!

 

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Time for Carriers to step up | Here comes fast apps | RealtyGo_blog

Fast App

Understanding the interplay between the wireline and wireless worlds is important as value shifts occur. You can’t have a blockbuster iPad2 launch without Wi-Fi. And 55% to 60% of the embedded home Wi-Fi base is coming through cable modems. Apple Inc.’s success eventually results in Comcast Corp.’s, Time Warner Cable Inc.’s, Verizon Communications Inc.’s FioS and even AT&T Inc.’s U-Verse’s success.

With the next generation of tablet and phone devices (Apple’s iPad2 and the HTC Corp. Thunderbolt, for example) comes the front facing camera. We wrote about this with the column “The iPhone without a contract” last Labor Day. Sprint Nextel Corp.’s HTC Evo 4G launched last year with a front-facing camera using the WiMAX network and QiK (now owned by Skype) as the pre-installed app. New hardware begets new software. And this new software is high BPS (bandwidth per second). The higher the BPS, the faster the app.

The next $100 billion of value in the telecommunications industry (inclusive of software) is going to be created by the fast app ecosystem. Combine secure cloud computing with gigabit Ethernet backhaul and dual-core processors and you have the makings of an entirely new industry. It’s not that Groupon brought millions of us daily deals – it’s that they now bring them to us in 1080p (or whatever form factor your device can support). I can now see next year’s holiday blockbuster toys in action at Amazon.com (or through their app), not still photos. And video communication, including a revamped Pandora + YouTube, is now connected to my television. Why do I have a V-Tech cordless phone (and a $40 per month bill)? Why do I have a premium digital video tier?

It’s an exciting world to dream about, and developments are coming very quickly, thanks to companies like Apple and Google Inc. The highest returns can only occur, however, when you expand the market from portable (Wi-Fi) to mobile devices. In car. On train. On bus. If you are moving, you need mobility, not portability. And mobility requires bandwidth that moves with you.

This is where the wireless carriers come in. They hold the keys to mobile fast apps. As much as the developer community wants to circumvent or ignore relationships with the wireless carriers, they cannot achieve a high common denominator (“fastest app”) without the ability to achieve consistent bandwidth speeds and consistently low latency. Said another way, those applications developers that invest in the network interfaces and carrier relationships will create differentiation (and value) faster than those who dumb performance down to the lowest levels. When technology moves quickly, value is created from those companies who can expand with the market, who can achieve the highest and best result instead of the lowest and least. The bandwidth disparity created by 2G/3G/4G and Wi-Fi networks operating simultaneously is too great.

The only way Sprint Nextel and T-Mobile USA Inc. (combined or separate) can grow 10 to 20 million net adds in the next three years is to partner with the fast applications developers. Multi-player Angry Birds in 3D with optional voice chat does not happen without network integration – the connections are real-time, not “push” and servers need to be very close to the network. Sprint Nextel and T-Mobile USA may need more growth than 10 to 20 million net adds over the next 3 years to remain relevant. Dropped calls be damned – what about dropped apps?

So we have a willing development community, at least two willing carriers (on top of Verizon Wireless and AT&T Mobility who will definitely not take this lying down), and capital waiting to earn disproportionate returns. Where do we get started? Three ideas:

1. Multi-player Angry Birds in 3D with optional voice chat takes applications to a new level. Maybe an “all green” AB on March 17?

2. Facebook (or their replacement) could reinvent video communications singlehandedly (and take advertising to a new level).

3. Cloud-based communications directories with caller identificaton (app free version includes a mini-advertisement delivered on every incoming call).

One of the biggest reasons for any directory is discovery. In the old days of White Pages, we discovered a street address and a phone number associated with a name. With the advent of fast apps, I may want to know if you have FaceTime and if you are available for a quick chat, even if you are not in my contact list. Where’s the FaceTime (or Skype or Fring or ooVoo or YouTube or Facebook) listing on my BlackBerry? It doesn’t exist. Then how do I discover that you have FaceTime (meaning an Apple device that has a front facing camera on a participating carrier that has optimized FaceTime for their 4G network)? We need a better discovery engine to make FaceTime or their competitor a more relevant communications application.

The directory needs to protect privacy. I need to be able to turn off applications from being used by some and make an entirely different set of applications available to others. The directory needs to be connected to individuals, not Exchange (which, as explained in the last paragraph, doesn’t have room for these listings anyway). Privacy is easiest with an independent source – friendly to but free from wireless carriers, handset manufacturers, and operating systems.

Finally, the directory needs to be free. Listed or unlisted, private, user-controlled and free. This is not to say that there aren’t charges for “end caps” (featured fast apps), or that larger corporate or association directories don’t pay some fees, or that we show a mini-message on every incoming call in exchange for a free app, but this is not the calling name data storage margins of the past. And, if it can bring in 10 to 20 million customers for Sprint Nextel and T-Mobile USA (together or separate), it’s worth the carrier effort.

Fast apps are the next $100 billion opportunity in the communications industry. A well executed fast apps strategy by T-Mobile USA and Sprint Nextel (combined or separate) can break the current duopoly (or Verizon Wireless can execute it on its own with LTE and cripple their competition). To make fast apps a reality, the discovery process needs to be radically simpler, privacy needs to be protected, and it needs to be free to the end user. We need an independent directory.

Here come the fast apps. Are you ready?

Jim Patterson is CEO and co-founder of Mobile Symmetry, a start-up created for carriers to solve the problems of an increasingly mobile-only society. Patterson was most recently President – Wholesale Services for Sprint and has a career that spans over eighteen years in telecom and technology. Patterson welcomes your commentsatjim@mobilesymmetry.com.

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| 02.17.11 | Google: Personalization will revolutionize commerce – RealtyGo_blog

Google Mobile

BARCELONA, Spain–Google (NASDAQ:GOOG) Chairman and CEO Eric Schmidt capped off the second day of the Mobile World Congress trade show here with a far-ranging and forward-thinking keynote address forecasting a future where increasingly personalized and relevant mobile services transform most every facet of users’ lives. “Smartphones are taking over–smartphone sales surpassed PC sales on a quarterly basis just last week,” Schmidt told a capacity crowd. “The smartphone is the destination for the next generation of games, apps and social connectivity.”

Looking beyond the current mobile marketplace, Schmidt outlined what he called “a serendipity platform–your phone helping you learn new things and meet new people you wouldn’t otherwise meet. Why does my phone not talk to my friend’s phone? Why doesn’t it monitor people who are ill?” Adding he believes very strongly in “the optimism of what we can do with computers and technology,” Schmidt said the accelerated evolution of the Web, mobile and cloud services will ultimately shoulder even greater burdens plaguing everyday life, giving consumers the time and flexibility to spend more time with the people they care about, doing the things they enjoy and making the world a better place. “Computers are here to make us happier,” he asserted.

Schmidt also stressed the increasing role of permission-based personalization solutions, anticipating a future where technology solves human failings spanning from fuzzy memories to boredom.

Shifting his focus to more contemporary mobile industry opportunities, Schmidt said he anticipates substantial breakthroughs in the mobile advertising segment. “Think about the creativity of the commercials you see on TV, and apply that on mobile in a personal way–that’s the next great frontier,” he said. “The display business is fundamentally about telling stories–that produces a better, more relevant ad and a more satisfied consumer. A billion dollar business right in front of us.”

In addition, Schmidt called mobile payment services and Near Field Communications transaction technologies a “mega-scale opportunity,” outlining a scenario where he’s walking down the street in a commercial area. “My phone remembers I need new pants, and it knows ahead of me are two stores–one offering the product at a 20 percent discount, the other offering a 30 percent discount. I enter the store with the bigger discount, the pants are ready, and out I go. You don’t think this is going to work? It should revolutionize electronic commerce and payments. We’re seeing that models around consumerism are working when they’re tied to location and advertising.”

Despite the mobile industry’s myriad innovations, Schmidt cited its capacity to revolutionize life in developing nations as his greatest source of pride. “The future is for the masses, not the elite,” Schmidt stated. “Two billion people we’ve never heard from will enter our conversation in the next three to four years. Because of mobile, it’s possible, and it will change their lives more than it changed any of ours. That’s what I’m proudest of.”

| 02.17.11 | Google: Personalization will revolutionize commerce – RealtyGo_blog

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Cisco Blog » Blog Archive » Offline Marketing Becomes Online Marketing with QR Codes

QR Codes, What, Why and How.., RealtyGo_blog

Originally designed for tracking automotive parts for vehicle manufacturing, QR codes may very well be the next wave in B2B marketing. Funny how technology can sometimes transcend its original purpose…

Although, we, here in the US, may be a bit slower to adopt QR codes,than the rest of the world, it seems QR codes are poised to make it to the mainstream in the near future. Then, it’s only a matter a time before they become a staple in every B2B marketers arsenal.  Here’s a few points to back that up:

According to the International Telecommunications Union, there are 2.5 times more mobile phone users than people connected to the Internet.

Smartphone manufacturers are pre-installing QR code readers on their phones. This already includes Android, Nokia and some Blackberry phones.

QR codes are already making creative appearances in music videos – see Kylie Minogue’s “All the Lover’s” video, NHL marketing – see the Detroit Red Wings’ interactive game program, and most notably the giant QR codes in Times Square earlier this year promoting Internet Week 2010.

So, how do we capture the power of the QR code for B2B? Here are a few thoughts on how QR codes can bridge the gap between your offline and online marketing:

Instant Access Direct Mail- Include a QR code on your direct mail piece and the recipient can instantly scan it. No more waiting to get online or to make a phone call, providing a more immediate way for a recipient to engage with your marketing message.

Direct Mail Personalization- QR codes can be personalized for each individual recipient, providing them with a unique experience, more relevant information, and, incidentally, providing you, the marketer, with increased trackability of results.

Tradeshow Signage- Add QR codes to your tradeshow signage that when scanned provide a customized offer, your company information, access to your Facebook page, a custom landing page etc. Whatever makes sense for your business or campaign effort.

I think you get the idea… QR codes are a way for us to “hyperlink” our offline and online marketing efforts in the B2B universe.

What do you think? Will you be utlizing QR codes in your marketing efforts in the next 6 to 12 months? We would love to hear form you.

Special Thanks to Ruth for the article.

via Cisco Blog » Blog Archive » Offline Marketing Becomes Online Marketing with QR Codes | RealtyGo_blog

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Are you currently doing this..; with your Real Estate Flyers and Point of Contact Advertising?

If you currently have a Real Estate listing, and you are using black and white flyers at point of contact as your only modality of advertising your clients home, you may be doing a disservice to your client and your professional real estate business.

This photo was taken locally on January 23 2011

This is an actual photo taken in January of 2011.

Before RealtyGo – advertising with black and white flyers was considered, a more affordable way to advertise your listings, vs Expensive Full Color Flyers. Now with our point of contact SmartCode and/or SMS “text message” gateway, you can offer the most current information regarding your Real Estate Listing(s) at all times. When you edit your online listing info within RealtyGo’ s website, all your listing information dynamically updates, giving prospective home buyers and new customers the most current information possible for all your Real Estate Listings!

Flyers, Black and White or color, can be expensive and often times are a strain on the environment. RealtyGo allows you to offer your Real Estate listings using Green Real Estate Communication. Is this a big deal? well we think so.  RealtyGo was designed to lift the burden of expensive overhead costs for listers and real estate listings, not to mention cut back on excessive paper printing and ink use. Prospective buyers, new customers and other real estate professionals can access all your listings using their mobile telephone, iPad, tablet, Smartphone, or any PDA device.

Green Real Estate Communication

RealtyGo allow you to list all your “other” real estate listings within our database for free. Once you have signed up for at least one Mobile URL which is $9.99 per month, you can list all your real estate listings for better SEO (Search engine optimization) from google, yahoo, bing – on the World Wide Web. Prospective buyers and consumers using our Search bar in the upper right corner of our  home page at RealtyGo.co can see all your “other” listings you have added to World Wide Web for free, using RealtyGo.

RealtyGo - Green Real Estate Communication!

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iPad 2 Rumor Roundup

 

 

iPad 2 Rumor Roundup – Mobile Crunch – RealtyGo

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RealtyGo – Concept Phone of Tomorrow… Innovate!

 

LINE Phone

RealtyGo / Innovate

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