Posts Tagged GREEN REAL ESTATE

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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Unilever Names Coke’s Marc Mathieu as No. 2 Global Marketing Executive | Global News – RealtyGo_blog

Marc Mathieu

Unilever has named former Coca-Cola Co. marketer Marc Mathieu as its No. 2 global marketing executive, reporting to Global Marketing and Communications Officer Keith Weed, rounding out a redesign of the global marketing team for the world’s second-biggest advertising spender.

Marc Mathieu is charged with helping Unilever double sales while reducing overall environmental impact. Green business practices are a necessity for the future. If your professional business is not currently participating in any Green technology in order to reduce and reinvent traditional business practices,  please take some time and discover how you can make a difference. Even listing, promoting, and using Mobile real estate services from RealtyGo will help cut back on excessive print and ink waste, while promoting the delivery of information via the digital channel.

Mr. Mathieu, 51, whom Mr. Weed credits with helping turn around Coca-Cola by developing the “Coke Side of Life” branding platform and launching Coke Zero last decade as VP-global branding, will join Unilever April 1. He will oversee Unilever’s global corporate branding effort; marketing training, including the Unilever Marketing Academy; marketing services; agency relations; and return on marketing investment. VPs over those areas will report to him.

For the past three years has led Atlanta-based BeDo, a strategic marketing consultancy. BeDo focuses on sustainability issues and has had Johnson & Johnson, Danone, Coca-Cola, Levis and Club Med as clients. Among projects the firm has launched has been The Hoop, a micro-lending venture for fair-trade producers and brands.

That dovetails with Unilever’s own sustainability efforts and with Mr. Mathieu’s new charge in helping Unilever double sales while reducing overall environmental impact by 2020, said Mr. Weed, who also oversees the company’s sustainability efforts.

“I wanted to get some heavyweight marketers in my top team,” Mr. Weed said in an interview. “And the fact that we were able to get someone like him says a lot about the progress we’ve made and the momentum we’ve got and the progress we’re making in innovation in the marketing area.”

Mr. Mathieu is the last of five senior VPs Mr. Weed has appointed since taking his post last year. He joins Gavin Neath (sustainability), Sue Garrard (communications), Richard Davies (consumer and market insight) and Luis Di Como (global media), the latter having recently been named to succeed Laura Klauberg in that post. Three of the five came from within Unilever, but Ms. Garrard, previously with the U.K.’s Department for Work and Pensions, like Mr. Mathieu came from outside.

“I’ve got a balance between internal hires and external hires to bring diversity of thought,” Mr. Weed said, adding that he considered internal and external candidates for each of the posts.

Mr. Mathieu’s experience in branding and sustainability along with Unilever putting sustainability under the marketing organization is something Mr. Weed sees as part of a trend.

“Having sustainability led by an environmentalist in a small department by itself was never going to get the sort of traction we need in this world to get true innovation in the area,” he said.

Thanks for reading,

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The faster the network, the better your MobileURL’s operate | Sprint could deploy LTE nationwide by year-end 2013 | RealtyGo_blog

Let get faster!

Should Sprint Nextel (NYSE:S) decide to deploy LTE as part of its Network Vision network modernization project, the company could have a live LTE network this year, with nationwide LTE coverage by year-end 2013, a senior Sprint executive said.

Speaking at a Morgan Stanley Technology, Media and Telecom conference Wednesday, Steve Elfman, Sprint’s president of network operations and wholesale, said that the company will not make a decision regarding LTE deployment until mid-year. He added that if Sprint does decide to deploy LTE it could turn it on quickly and have LTE devices by 2012. Elfman added that the reason the company will not make a decision until mid-year is because Sprint wants to establish and announce a strategy that is still being determined by the company and its partner Clearwire (NASDAQ:CLWR), which runs a mobile WiMAX network.

Elfman also discussed Network Vision, the $4 billion to $5 billion network modernization project that Sprint is undertaking over the next three to five years. Sprint currently runs an EV-DO network in the 1900 MHz PCS band, has a wholesale deal with Clearwire  to use WiMAX in the 2.5 GHz band and owns an iDEN network in the 800 MHz band. Sprint has said it will begin phasing out the iDEN network in 2013.

Elfman reiterated that the company plans to enhance its CDMA coverage in the 800 MHz to improve in-building coverage. In addition, he said that Sprint will deploy a CDMA-based push to talk solution from Qualcomm (NASDAQ:QCOM) and will have new PTT devices by the third quarter of this year that will use the enhanced PTT solution.

Regarding Sprint’s relationship with Clearwire, Elfman said that Clearwire has been a good partner to Sprint and that the company is “in the middle of some positive negotiations with them.” The two companies have been locked in a dispute over wholesale revenue sharing, and Clearwire has said that resolving the dispute is key to moving forward on securing new funding. Clearwire expects to announce a decision on new funding sometime in the second quarter.

via Sprint could deploy LTE nationwide by year-end 2013 – FierceWireless | RealtyGo_blog

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Mobile Pay | Mobile Commerce; Will greed in the space hinder the progress of mobile payments?

 

Scan your Qpon and Go....

Over the past six months there has been lots of buzz about mobile payments. High-profile companies such as Apple (NASDAQ:AAPL), Google (NASDAQ:GOOG) and Visa have all indicated they are exploring ways to make money from mobile payments. And at last month’s Mobile World Congress conference in Barcelona, Spain, the momentum around mobile commerce and Near Field Communications seemed to grow even stronger. In fact, several firms including Research in Motion (NASDAQ:RIMM), Deutsche Telekom and Orange all talked about how they were incorporating mobile commerce and/or Near Field Communications technology into their future plans.  Some companies even went so far as to designate 2011 as the year for NFC payments.

 

We are under the impression that cellphone manufactures will be offering a secure mobile payment method – Near Field Communication

MobilePay_RealtyGo_blog_2011

(NFC) short-range wireless technology and includes real-time anti-fraud alerts and other features designed to protect consumers from fraud.

Fine-tuning the business model for this nascent service is challenging. Wireless carriers, platform providers, device makers and financial institutions all want a piece of the revenue pie. It’s not surprising, considering that many analysts estimate that the market potential for these services is enormous. According to Portio Research, mobile payments volumes worldwide were $68.7 billion in 2009 and are forecast to reach $633.4 billon by year-end 2014. The biggest potential markets for mobile payments are Asia-Pacific, Europe and North America, Portio says.

But for mobile payments to reach the potential predicted by Portio, a lot of diverse players will have to fit together to make a compelling and lucrative solution. How that will happen is unclear. All we know for sure is that there is a lot of experimentation in the market today.

To help spur the market, the GSMA is heading up a NFC-related initiative with several of the world’s biggest operators including America Móvil, Axiata Group Berhad, Bharti, China Unicom, Deutsche Telekom, KT Corp., MTS, Orange, Qtel Group, SK Telecom, Softbank Mobile, Telecom Italia, Telefónica, Telekom Austria Group, Telenor and Vodafone. The operators have said they intend to launch commercial NFC services in select markets by 2012.


In the U.S., mobile payments have made headlines lately because of the new initiative Isis, which is a joint venture from Verizon Wireless (NYSE:VZ), AT&T Mobility (NYSE:T) and T-Mobile USA. The carriers plan to leverage Discover Financial Services’ network to process payments; Barclaycard U.S. will be the first issuer. Isis has inked deals with merchants but so far has not revealed the names of those merchants or more details about when it will launch.

Meanwhile, Sprint has decided to go it alone with its mobile wallet initiative, called Sprint Mobile Wallet. Unlike the Isis project, Sprint’s wallet will let customers make purchases using their existing Visa, MasterCard and Amazon accounts. Sprint is going to eventually hit the big one, you have to admit they always have their hat in the rink, and sooner or later they are going to hit one out of the park.

Clearly for mobile payments to become a success, merchants, financial services, operators and device makers need to come together to make a viable solution. Perhaps all this experimentation in the market will result in less fragmentation and more cohesiveness. We are exploring those issues and more in “Cashing in on Mobile Commerce,” a new eBook from FierceWireless. In this eBook, we take an in-depth look at the overall potential for the mobile commerce market, profile some successful mobile payment implementations and explore some of the latest initiatives in barcodes, mobile coupons and more.

 

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RealtyGo offers Mobile Real Estate Listings for Best SEO search using MobileURL’s and advanced Web TAG technology.

RealtyGo - Mobile Real Estate Listing on Your iPad

RealtyGo provides an easy to use service for everyone listing any type of real estate, connecting with end users via their mobile devices, infusing the latest technology and business practices for advanced web to mobile communication and search engine optimization. By connecting all your professional information properly and tagging it, your real estate listings and online business practices will dramatically increase and work efficiently for you within the world wide web, increasing relevancy and helping drive more end users and new customers to you, while searching for real estate.

Our Service allows listers to deliver listing information on any property directly to potential buyers through a custom mobile application software that is functional on any Internet-capable mobile device as well as any text message-capable mobile phone.

“The challenge most ‘big box’ real estate company’s face by offering a mobile solution to promote and list real estate is how to instantly reach current clients with the information they need, using the device in which they want to use (mobile, Web, Phone) and how to generate new leads by providing better tools than the competition.  RealtyGo accomplishes all this by user friendly software applications that can be accessed by anyone on any Mobile device. There is no download necessary or modification, our services and your real estate listings are accessible from any mobile device right out of the box.

You can link your mobile real estate listings from RealtyGo to other social networking sites, like Facebook, YouTube, Twitter, your blog or professional website, etc.. . RealtyGo acts like a bridge from your website presence to any mobile device, while providing the end user a friendly and easy to use experience. You can be sure that what ever the latest trend or most efficient way of communication is, RealtyGo will provide it for free as part of your MobileURL and Mobile real estate listing(s). We are constantly making upgrades and changes, and will always offer the most current and easy to use methodology for accessing real estate from anywhere with any type of device.

Buyers can leave personal notes about properties,  Auto Schedule an appointment to preview the your listing(s) – which automatically notifying you with the buyer’s name, phone number, email, etc.. , and the property their interested in previewing.

This turns ‘lookie loos’ into leads, creating stickiness, because once a user is able to contact you through the channel they are most comfortable with, they will almost certainly use the same method of contact down the way when needing immediate listing information from a viable and trusted source. Since RealtyGo offers you your Unique MobileURL consumers can find you fast and easily by simple remembering your Unique name or MobileURL you assigned to a property or listing. In the event you sell the listing, your MobileURL is still active and becomes your online Resume, that everyone uses and remembers in order to contact you in regards to your Real Estate profession.

The target demographic for Mobile Real Estate listings is any potential homebuyer, new customer or other business professional with the capability to surf the mobile Web.

Prospects may be young first-time buyer or the middle-aged executive whose BlackBerry has made him/her accustomed to having information at their fingertips at all times, The market is as broad as the mobile market, which is to say is very large and growing. Offer your real estate listings on every channel and cover all the basis, let the end user decide how and when they want to Auto Schedule an appointment to preview a listing, or simple click your phone number or email address to get ahold of you.

Prospective sellers are attracted to technology as well, as it communicates willingness to use new tools and available modern day methodology to market and promote properties making for a more attractive choice for a seller.

Help educate other agents in using RealtyGo for an easy way to show off the technological side of your business. Agents/Brokers can use RealtyGo’s robust analytics to download and either print or email to new customers and even prospective banks you would like to receive listings from. When you can provide actual analytics, which is how potential buyers are getting in touch with you, the area of your listings and up to date reporting on the ins and outs of your listings, banks are going to look at you as a up-to-date, trusted and valuable resource in the real estate business

RealtyGo assigns a MobileURL to each of your listings which allows end users to search for you using an advanced type of search, giving buyers the ability to find ALL your real estate listings, photos, pricing, virtual tours, business website, social networking sites, professional contact information fast and efficiently. End users can searching within major search engines (google, yahoo, bing) or from withing RealtyGo using one easy to remember Unique MobileURL you have selected to represent your mobile real estate business.

 

RealtyGo updates and offers All listing content to major search engines for Best SEO (search engine optimization) in regards to your real estate business. This includes pictures, listing changes, edits and updates, automatically formatted for optimal viewing on any mobile device.

Buyers are able to view all the standard and customized listing information, including photos and Google Mobile map location links, as well as the agent’s e-mail address and click-to-call phone number. Buyers can also easily forward your mobile listing(s) via e-mail or text message to other mobile devices like Smartphones, Flip phones, iPads, Tablets, etc.. .

Beyond MLS listings, RealtyGo also allows users to upload and manage their properties through a Web-based content management system, the same way you would create a craigslist ad promotion, and taking it a step further, giving you the ability to promote your properties within other real estate listing services with our Mobile Listing TAG, ensuring that end users are getting all the content you want them to have and not just the content many services only allow you to share.

RealtyGo works on any Text ready mobile phone or Internet-capable mobile device, including Apple’s iPhone, RIM’s Blackberry, Google Android, Palm and Motorola flip phones, and do not require any downloads to use or manage.

Try RealtyGo today, and own your own listings and decide what you want the end user to see. Customize your Mobile listings any way you like and edit them at any time. RealtyGo will make sure that all of your most current information is updated and being used efficiently to promote your online real estate business as much as your off line presence. Don’t hesitate, simple visit our World Wide Website and follow the easy automated system that walk your through selecting your MobileURL’s and setting up your real estate listings and professional business information. We have designed our system to be fun and work freely within all other applications for promoting and marketing your real estate profession as a whole. Give the end user what they want, a choice in how they communicate with you in your real estate profession.

RealtyGo – Your Real Estate Listings Best Friend!

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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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| 02.17.11 | Motorola: Verizon’s LTE justifies Xoom’s $800 price tag | RealtyGo_blog

Xoom

BARCELONA, Spain–Motorola Mobility (NYSE:MMI) CEO Sanjay Jha confirmed that its first tablet, the Android-powered Xoom, will retail for $800 when it goes on sale unsubsidized from Verizon Wireless (NYSE:VZ). Speaking to reporters here on the sidelines of the Mobile World Congress trade show, Jha justified the price of the tablet, which is higher than a similar version of Apple’s (NASDAQ:AAPL) iPad, by saying that the Xoom’s eventual upgrade to LTE gives it a leg up on the competition.

A 32 GB version of the Xoom with Verizon’s EVDO data service will retail for $800. The 32 GB version of the iPad with AT&T Mobility’s no-contract (NYSE:T) HSPA+ service retails for $729. “We felt that our ability to deliver 50Mb/s would justify the $799 price point,” Jha said. “It is 32 GB with 3G and a free upgrade to 4G. Being competitive with iPad is important. We feel that from the hardware and capabilities we deliver we are at least competitive and in a number of ways better [than the iPad].” Verizon has said its LTE network delivers average real-world downlink performance of 5-12 Mbps.

The Xoom runs on Android 3.0, or “Honeycomb,” and boasts a dual-core Nvidia Tegra 2 processor. It also features a 10.1-inch widescreen HD display. The device supports 1080p HD video and HDMI output to display content on larger HD screens. Additionally, the Xoom has a front-facing, 2-megapixel camera for video chats over Wi-Fi, EVDO or or LTE, as well as a rear-facing 5-megapixel camera that captures video in 720p HD. The Xoom will be upgraded to LTE sometime in the second quarter.

Jha said that Samsung’s return rate and sell-through rate with the Android-powered GalaxyTab have been “concerning,” but said he was confident enough to launch the Xoom at the $800 price point. Importantly, Verizon has not yet revealed its LTE data plans for tablets or smartphones.

Jha also said that Motorola will release a Wi-Fi-only version of the Xoom. He would not be drawn on the exact price, but said it would be “meaningfully cheaper. The price is set by iPad at $599, and we will be right around there.” The 32GB Wi-Fi-only version of the iPad sells for $599.

In an apparent slip, Jha also seemed to divulge the existence of Google’s music service, which Google has never publicly acknowledged. Jha said that an ecosystem is composed of applications, developers and services. “Google’s mobile services–and that includes music services, video services…” Then, according to the Wall Street Journal, correcting himself, he said, “There will be music service, there will be video service.”

| 02.17.11 | Motorola: Verizon’s LTE justifies Xoom’s $800 price tag – RealtyGo_blog

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