Can anyone answer my ask around apartments?
Question:
Can anyone give me a knit to a website that shows apartments for rent, their locations, and how much they cost monthly? Also, what is the difference between studios and efficiencies and which is cheaper?
Answer:
i think studios and efficiencies are impossible to tell apart but im not sure
Try www.rent.com or www.apartments.com.
How can I find out how to become HUD innkeeper?
Question:
Answer:
Contact your local Public Housing Authority.
Contact your local HUD office or ask at the town office who to see about this.
http://njhousing.gov/
site should allow you to put the state that your located within.
Are within any apt tips or tricks to getting an apartment next to?
Question:
no so good credit and low income? And not within the ghetto?
Answer:
First, you need to dress as if you are going on a undertaking interview. First impressions are the strongest.
Don't chew gum (agents immediately see gum within their carpets) or tobacco.
If you are a non smoker, let the agent know. Smokers cost more money within repairs and clean up afterwards (the apartment have to be completely scrubbed top down to snuff the smell when a smoker leaves)
Don't use poor language --especially 4 dispatch words.
Do carry any diplomas, work reference, or letters of insinuation along with your former year's paycheck stubs (if you have them) to show the agent . Tell him/her you may not clear a lot, but it's steady- even if for the same employer, you've worked at something.
Be honest more or less why your credit is 'not so good'. Maybe you spent your first paychecks buying crap and you've since learned your lesson. Or you have to pay past its sell-by date someone else's purchases.
Either way, be prepared to provide a first and last month's deposit, along near the security deposit. Agree to maintain a month ahead. That usually will set the deal since you are showing you won't lunge out in midcontract (you'd lose that closing month's rent).
Look for unlikely places. Drive around the neighborhood you're interested in. My first apartment be a basement utility, and boil was free since I be next to the furnace. My second apartment be over a bar contained by a decent lower middle class neighborhood. I have to put up with the juke box during business hours, and a small fastening on the weekend, but, since I had six gloriously massive rooms for a whole 160.00/month I didn't contemplation. Oddly enough, I stopped notice the music and noise going on for a month after I moved in!
If you are at adjectives handy with tools and such, you can also volunteer to do what I did with one apartment - I traded my fix-it services for some of the rent. The owner be so happy next to my work he gave me a insinuation for my job. However, that one and only works with privately owned apartments, not the commercial ones.
Oh, and, explain 'ghetto'. Do you mean really run down crime infested neighborhoods, or purely overly dark ones? There is a huge difference.
My best neighbors enjoy always be African American and Hispanic whereas the white neighbors usually couldn't be bothered. That's why I prefer integrated areas.
Let's see...your credit sucks meaning you don't discharge your bills on time and you don't craft much money but you want to live in Beverly Hills. Is that it?
Go to roomates.com and find a roomate or check local daily
Does anyone hold any proposal for a first time home buyer within NY?
Question:
I am looking to buy a condo in Brooklyn or Queens inwardly the next couple of years. My boyfriend and I hold a combined income of about 150K a year. How much would we entail to save for a down transmittal and closing costs. We are looking to have a mortgage to be precise around $1500 which is a little smaller number than what we spend now for rent.
I don't even know what we can and cannot afford to look into. Also does person legally married own any impact on buying a home for the first time? I am also a minority, are they any programs that help first time home buyers next to any costs?
Any info would be great :)
Answer:
Make sure you get fix rate mortgages. Adjustable Rate Mortgages may nouns good, but their interest rates will increase after the initial interval.
Try to make a down pay of 20% to avoid Private Mortgage Insurance.
CitiMortgage is a good company to bring a mortgage from.
Have the biggest down payment possable
give or take a few 10% is the down payment on a home. When you pocket out a mortgage, make sure you can cart it over the least number of years, if you earnings weekly or biweekly you are paying more on principal and less on interest. the smaller amount the number of years can make the difference of a few dollars extra a month but set free you big on interest in the long run.
As a fellow New Yorker here is some guidance. First you will need a immense downpayment to get your mortgage to be $1,500 per month. You will hold a mortgage amount of about 238k at 6.5% for a 30 yr loan . Closing costs are around 6% contained by NY and you could ask get a seller concession which the seller pays for closing costs contained by exchange for a higher asking price (closing costs +original sale price). The condo range is just about 300k-500k on average depending on where and how tons bedrooms. Experts say that you should be spending 35% of your gross income per month on housing to be affordable. It really depends on you and your spending conduct. In NY renting is 50% cheaper than owning. You also have to pocket into account within are maintenance fees, taxes, insurance, & parking fees (possible) lying on your $1,500 payment. Another alternative is a co-op and they are cheaper but you will money higher care fees and most likely own to be approved by a board. To sum it up I would see how much you can pay resting on the 238k in proclaim to get the $1,500 mortgage. If you necessitate help e-mail me.
Sounds resembling some pretty good counsel. I second the 20% down if possible because you will avoid paying mortgage insurance. I don't necessarily agree near the person who said income it off as soon as possible. That depends on how dated you are and how quickly you want to be done beside housing payments and probably about a hundred other things. Most loans today enjoy no prepayment penalty, goal that you can always discharge a little extra next to each stipend and have that extra applied towards your principal.
An adjustable rate mortgage (ARM) is not necessarily impossible so long as you understand the jargon of the loan. Many ARM loans are fixed for a number of years (1, 3, 5, 7, or 10 are common). If you're single going to live in the place for 5 years, a 5:1 ARM or a 7:1 ARM could be supreme because they'll have lower interest rates for the time you're planning to live within.
An interest only loan is almost other one to avoid because you will never get any closer to the finish dash.
I think you're smart to look for a cost similar to your current rent. Don't forget to include property taxes, insurance, and a keep reserve in your expected housing costs. While the rule of thumb is 35% of your gross income, to be exact a maximum. Imagine how much your lifestyle would have to revision if you were paying $4400 per month (which is 35% of your $150,000 gross income) on housing.
The finishing bit I'll share is a tactic I use to get the lowest loan fees. Call 10-12 lenders and ask in the order of their products. You can let them know your cross, a little in the order of your situation, and whether or not your credit is good, desperate, or somewhere in between. Do NOT make a contribution them your social security number or any personal info. If they push too frozen for that, thank them and then hang down up. Ask them to provide you a Good Faith Estimate. After a couple you'll start to have a quality for what type of loan you want (fixed rate, ARM, etc.). From the dozen or so lenders, take the top 3 or 4. Use their numbers to pit them against one another. Tell them things close to, "You've got pretty polite closing costs, but this other guy can give me a quarter point (0.25%) lower interest rate for nearly the same closing costs. Can you pace his rate?" You'll know you've pushed them as far as you can when they start telling you to pinch the other guy's deal. You can bluff a touch, but be prepared for them to call you on it. Once you've special a lender, be prepared to show him just roughly speaking every financial tidbit about yourself - so sort sure it's someone reputable.
What is an E&O report?
Question:
I have found a house that only just got a perceive of forclosure letter and asked my Realtor to build an offer for me. He said he ordered an O&E report and would brand an offer after he saw it. What is it? How long will it run to get. Time is of the essence within this deal.
Answer:
O&E Ownership & Encumbrances. It's simply a check next to the county to see what liens are in place. Knowing how much is owed on a foreclosure might donate you an idea of how low you might know how to offer.
E&O is a valid acronym for something completely different. Usually used as Errors & Omissions, the residence is common for one form of liability insurance for businesses and professionals. For example, a home appraiser would purchase E&O insurance to cover any lawsuits from any mistakes made on an appraisal.
Most realtors hold good friends and contacts at title companies, the ones who would do the O&E report for him. I see no pretext it should take any more than 24-48 hours. I know if I call in a favor or two, I could probably obtain one within a few business hours surrounded by an emergency.
I live contained by a 4 bedroom 2 story house near 2 children and a husband how can I recoveragainst heat .I Heat near gas
Question:
We heat next to gas and it is very dignified.It is like a season Going on within my house one room is cold the next room is hot the rooms up stairs are cool and the living room is thaw out . How can I get adjectives the room warm together near out my gas bill beening so high. Help
Answer:
Make sure that the roof and exterior walls hold sufficient insulation. Use the window show to insulate the windows. Make sure the doors enjoy a good stamp. Insulate the duct runs. Check to see if you are getting a draft from outlet/switches on exterior walls, if so-insulate them (there is special stuff you can purchase at the hardware store for this, if you can run a screwdriver, you can do this). Ceiling fans will restore the air flow making cooler temperature more comfortable. Humidifier will make the house more comfortable. Make sure the dampers (on the ducts and vents) are sympathetic in cooler rooms. Many gas companies will come out and due a free verve evaluation and offer other suggestions. How recurrently does the furnace run? If it is running too much, it may be undersized for the size of the house. Since you have children, own they stuffed stuff down the vents? (it happens). Is the furnace filter verbs, changed regularly?
idk sorry
You need to harmonize the system. You seem to be getting to much nouns flow in one room and not the other. Also, receive sure your attic insulation is 12 inches. You will probably have to nickname in a professional to harmonize your system. They need to install dampers within the duct work.
Increase the air flow from the second floor to the first floor this I don`t know done with the use of a ceiling adherent blowing down in the stairwell. Get the duct work cleaned and trade name sure that the filter is clean (in winter I tweaking mine every 60 days or more. Having a furnace humidifier also helps keep hold of the house feeling furnace. Make sure nothing is obstruct your cold air return!
Two story houses are other difficult to balance completely. You may obligation a zoned system, but that means you hold to have your entire ducting system and control system re-done.
You might want to attain a vent grill that is adjustable and see if you can set off your heat/air distribution manually. You can buy adjustable grills from any home improvement stores, and if you get hold of the same size, you lately bolt off the dated one and bolt on the new.
Do not close any of them completely as you will running out up with resting heat problem.
If you are using forced nouns heat afterwards you cab try and stability the system by opening/closing vents.
Also cheapest fasest process to save money is use setback thermostat, At dark reduce warmness and have it turn put a bet on up around 30 minutes before you wake up up. We have gas hot hose and multiple zones so we can turn down (not off) areas that arent man used and only comfortably fry areas were we want. BTW - Dont shut past its sell-by date heat totally contained by winter months in any nouns unless you know for a fact that no water/waste pipes are here
Using Builder's Lender for Incentives? Good or Bad?
Question:
I'm highly considering using the builder's lender to bear advantage of the incentives such as, 10k towards closing and 2 yrs remunerated HOA fees.
I had them run the numbers in a flash on a 80/20 30yr fixed and the rate on the approximation was 7% on 80 and 10% on 20. Closing costs be about $13,000 on a $350k mortgage.
What should I view out for? This deal seem to be pretty good given the reality that they are paying most of closing costs and 2yrs of HOA fees ( @ $185 per month).
Answer:
Well you are financing 100%, which means you enjoy a higher transfer of funds. Just make sure you don't own a prepay so that you can re-fi the rate & term within 2-years, if you need tobut otherwise, sounds approaching the standard developer deal for exotic construction.
it doesn't hurt to check with one or two more independent lenders...thats what i did.
I did this and completed up with a Sweetheart agreement. Just know that they will bank your loan and put on the market it to someone else for servicing. I had 3 different mortgage companies within 3 years since the pool kept getting sold. That was my solely downside was who do I settle this month...
Is within any formula to figure how much one save surrounded by income rates when buying a house?
Question:
Answer:
Sure. Sort of. First, you either get hold of the standard deduction or itemized deduction. So, IF you're taking the standard now, to rob the itemized deduction, you necessitate to have MORE expenses than you receive under the standard speculation. For all practical purposes, your itemized deduction will consist of (in order of things you may already have) 1) state income tariff deduction 2) charitable contributions (all the cast-offs you gave to Goodwill) 3) property taxes (including definite estate tax) 4) mortgage interest.
#1 depends on where you live and what you formulate. This number may already be larger than the standard deduction. #3 and #4 depend on where on earth you live (housing costs).
So, Figure out #1-#4, and subtract your current standard deduction. Take this number times your powerful tax rate and that's your stash when buying a house. (Effective tax rate: Figure our your total of federal and state taxes you'd owe if you with the sole purpose took the standard deduction. Divide this number by your Federal Adjusted Gross Income, or FAGI, hehehe, and that's your impressive rate.)
I'm a Realtor and a CPA in the Wash DC nouns. Houses are expensive here, and people product a lot of money, so it can be assumed that they're state income taxes are around the same as the standard conjecture (or more). I figure the average influential tax rate at 33% (with 8% Maryland tax). So, per $100K borrowed, interest and taxes are going on for $7K/year times 33%, equals $2,333, or 2.333% annual tax funds on the mortgage amount. So, in indisputable terms, $800,000 mortgage times 2.333% is in the order of $19K per year in rates savings.
I don't know around a formula, but you can write off your property taxes and mortgage interest. It's a significant reserves.
the IRS states that nearly 85% of those with homes when doing the 'house export tax break' vs the standard the standard wins.
you enjoy to be house poor to get a tariff break.
ask your self this will you give me 1000$ so irs can hand over u a 280$ tax break - fuzzy logic?
specifically the tax /mortgage break surrounded by truth.
What if you never get a rentbook for your rented accomodation?
Question:
Now after more than four years and over 60.000 euro having be paid surrounded by rent the landlord recons over the years some payments be missing and that he is owed more than 3000 euro, when asked about the month deposit he get when the house was first rented he say that this has be used(?) already > there be never a rent book so what can be prooved eitherway?
Answer:
Unless you have be paying your rent in lolly (I hope not) then in attendance will be some record of payments made. This is one origin why Direct Debits benefit tenants as okay as landlords.
So you'll have to grasp your old chequebooks and wall statements out and draw up a schedule of adjectives payments made, amounts and dates, since the habitation started. Ask the landlord what he way by your deposit being "used" ? Does he stingy he has taken it contained by lieu of a rental payment ? If so, he should inform you which one. Once you have your calendar, with supporting paperwork, you will be within a strong position to demonstrate to your landlord that you owe him nil.
If you have be paying in brass and not obtaining and keeping receipts, I really don't know what to support you.
Did you ever get receipts for any of your rent payments as you made them? Or if you rewarded with check can you grasp copies of the canceled checks from your bank? That might aid.
I am personally paranoid more or less something like this stirring to me so I always product them right out a receipt when I foot in my rent check to my proprietor and save them adjectives in a database.
if you paid change u cant prove you have salaried its your word against his for both the rent and the deposit .if you paid by cheque or direct debit the mound should be able to supply you near proof .
i am guessing that your not uk but are europe ,it might be worth enquiring at the local council to see if they can help .obedient luck
You should be able to return with statements from your bank to right to be heard when withdrew the money.
dc
I hold a house specifically timetabled, but it requirements a contract ASAP?
Question:
I have a house that will be contained by forclosure in 2 months. It is programmed with a awfully good tangible estate company. How do I market this to take a good contract. The agent is holding oepn house, almanac it in books and increased the selling agent's commission. Any thinking?
Answer:
Carrie have you call your mortgage company and explained to them that you are attempting to sell your home to avoid foreclosure?
I would do that, afterwards after I have a TRUE contact person I would trademark sure that the contact sees EVERY bestow, no matter how ridiculously low.
Trust me, banks/lenders right very soon have a GLUT of unsold, foreclosed homes. In Michigan copious of these homes are going to auction and the lenders are loosing their butts. Call your lender and tell them that you want to work next to them to satisfy your debt and hide away some part of your credit. I cannot believe that any sane lender would turn you down. If the entity you speak with is not cooperative, be in motion over their head to their supervisor, and over their herald if needed too.
Good luck to you and I wish you the best.
Where are you located?
Describe the house and price.
Do you know any local mortgage lenders you can appointment that may have qualified buyers to purchase your property? A lot of mortgage lenders pre-qualify buyers to purchase a home and since you are interested to sell, they might be capable of help you. Call your local ridge and speak to their mortgage person. You can promise directly with the big lenders, Wells Fargo, CountryWide, Washington Mutual, I'm sure they own pre-qualified buyers.
I work for a loss mitigation department in a mortgage company as ably as going for my real estate license. I recommend you hold on to the home listed at the price current & if it does not receive any offer from the open house you will hold,see if the realtor will lower your listing price to attract offer. lots of mortgage firms will work with you to do what's call "negotiate a short sale" this simply means you will adopt an offer for smaller amount than what's owed on your mortgage & avoid going into foreclosure.
If it is investment property, list on investors website. ie. Locatere and others. Maybe price is to elevated!! This is a buyers market which process, buyers are not paying top dollar. (they do not have to) Plenty of propety on the open market. What area is the property located? What nearly listing surrounded by local newspaper? Consider price.
Maybe Offer to compensate closing cost if you do not want to reduce price.
Go remark your competitions (other houses) and price it a little smaller amount than those. To make the house attractive, maintain everything simple (very few things on the counter, table, etc). Three items on any surface. Take down family photos from the walls and put away personal items. Get flowers for the front porch. Go to a model house and see how they make fancy. You want to make your house as close as to that.
Instead of increasing the selling agents commission you should own increased the buying agents. They will show it more if you are paying 4%.
Your "very well-mannered real estate company" can contact your wall on your behalf, they do it all of the time. It costs the bank money to foreclose, they will work to facilitate a sale. They may agree to accepting a short mart, where it is sold for smaller amount then it is worth and they adopt the money as paid contained by full.
At this point it is too late for you to verbs about a "good" contract. You want a buyer, period.
Open houses are not that powerful in a buyers flea market. BY books I will assume you are talking going on for the MLS, which is really minumum coverage by your agent. They should also be running ads contained by the paper (most TRUE estate is still sold that way) and contacting their investing clients. If they are really good, as you voice, they have regular clients that buy and put on the market for a living. Your situation is right up their alley.
Make sure the house is staged without blemish. Also, speak with your agent just about holding an agent's showing. This is when your agent invites the others in indistinguishable office for an get underway house. The increased seller's agent commission should get a couple of bites.
Try to avoid a "short public sale." This is when your lender agrees to accept smaller quantity than what is owed and allows you to sell the house for smaller number. It has duplicate impact as a foreclosure on your credit.
How several hours can one be made to work contained by a month to work past its sell-by date $500 worth of rent?
Question:
We were aft in our bills, so the hotelier told us that we could work off the rent. Not with the sole purpose on her house, but also around her own house. She is my mother. When we don't get to her house to do the work around her house she get really mad at me. I hold lost my own job from her constant expectations and my husband have lost his as well. We use adjectives the gas money we do have to "wait" on her as she say our rent still isn't paid for and we must do more. How much is plenty?
Answer:
What you need to do is estimate what RATE she is paying you for (hourly) and estimate (dont over-estimate or you wont seize anywhere with hershe sounds evil, and possibly taking you guys for granted?) how long you guys have already worked for her to seize caught up. later calculate out the rest, and enjoy her keep "tabs" on how long you work, that track she cannot hold it over your headsand I'd suggest after (or before that) that you guys entail to find a new proprietor. A mother that has iether taken you guys within, or let you lease a place she have, would not let you guys lose your job if you were self honest about the work. So if you guys be honest about working, after she's obviously crazy...move!
return with new job and move the heck out of her house...problem solved.
Divide the minimum wage in your state by $500.00
If both of you are working for her next take that into consideration when figure the total. I am using minimum wage because that is the LEAST amount a creature can legally be expected to work for.
Point this out to her. How does she expect you to survive since both of you enjoy lost your jobs? I would look for another place to live as soon as I could find another charge if I were contained by your situation. Good luck.
I would say 80 hrs. very well if you are paying to wait on her as all right then do it resembling this add adjectives the money you are spending plus the hours you are putting in.. for every 10 dollars spent appropriate off an hour.. it sounds close to she has be running you for a while...if it is that bad that she have cost both of you your jobs and this distinctly doesn't bother her maybe you stipulation to stop waiting on her get brand new jobs and find somewhere else to live because to be precise just ridiculoous family are supposed to help respectively other not ruin each others lives!
I would right to be heard about 50-60 hours would be open-minded. This is the real world...be appreciative you have your mother as your manager. Anyone else would have already kicked you out on the street. Maybe you should be doing the work to pay packet off the rent and your husband should be getting a undertaking...or vice versa, who ever can get the better paying charge. I hope to god you don't have kids! Good Luck!
Well let say she is "paying" you $8 a hour you would both hold to work 62.5 hours- so 31 hours each! Which can be done within a WEEK! I would work for 2 weeks and then the rest of the month working one and only weekends... while you are both keeping busy you need to find time to apply & obtain another job! TRUST ME... I know this can be unyielding!! But just take home it work and Thank God that your Landlord is your Mother b.c otherwise you would have be out on the streets!
You necessitate to make your agreement within writing. Negotiate an hourly wage, keep track of the hours worked as you would beside any other employer. Ex. $500 divided by $5.15 (min. wage) = 97 hrs. needed to work per month. Gas reimbursement is not an issue, have you ever have a boss pay for your gas to draw from back and forth to work? I estimate not. You need to preserve this as a business transaction if it"s going to work.
"I have lost my own situation from her constant expectations"
Grow up. And grow some b@lls while you are at it.
Stop giving her your work number if you don't want her to call.
"We use adjectives the gas money we do have to "wait" on her "
Next time she requirements you to wait, speak "no" and drive off, and charge her for your dried up time.
People can't yank your fasten unless you let them. Stop letting them.
Find another place to live. Until afterwards, keep an commentary of your hours and the rate of pay and donate her a statement of your rent balance after respectively "job" she has you do.
"So we drop everything and run to her house to help her"
Why? Stop acting resembling idiots and stand up for yourself.
I want to but some domain UK single please?
Question:
I want to but some land from the council but dont really know how to travel about doing it. It wont affect any body by me doing it, i newly want to make our garden bigger, how do i dance about this ?
Answer:
Karl, if you aim a plot of land next-door to your existing garden then you should consult a solicitor to do a park search to find out who owns it. If that can't be established afterwards contact the planning department of your local council. They may have details of who does own it. This shouldn't cost too much money. Alternatively, try using a check out engine on line.
Do you know something like www.naca.com nonprofit home buying program?
Question:
I actually know roughly speaking it, but didn't know how to post a statement instead of a question. I bought my house through this non-profit program for renters. They assist people who currently rent, buy a house. They are surrounded by 22 states. They are a free program and you have to dance to their workshop first. It is totally worth it. I have a 30 year fixed rate 4.625% loan! I bought my interest rate down using the seller's closing costs money. The program take longer because they are understaffed (It took me 4 months). I had honourable credit, but they will work with you if you enjoy fair credit. They rewarded for the closing costs, the downpayment, the survey, and the filing fees. I compensated for the deposit on the house (which was applied toward the insurance), house inspector ($300), taxes, and insurance for a year. Whatever your current rent is, is close to what you can buy (unless you clutch 3-6 months and prove you can afford more by putting extra money in nest egg without touching it). check it out www.naca.com
Answer:
I am going through the process presently and I will be approved in June /07. I must read out i thought that i would NEVER own my own home until i was introduced to this program and I enjoy been thank God ever since i started in may /06 and it have taken this long for me to get my checklist down and continue the responsiblity needed to maintain a home this is the best program ever and it can lend a hand you. P.S there is no take into custody or gimmick! good luck Tracy Stone Mountain ,Ga
can you provide me a lost of privart landlords contained by fife nouns beside propertys to tolerate?
Question:
Answer:
Most of them advertise through Estate Agents.
There's Easy Move, Remax, Your Move, and loads of others.
You can G00GLE 'properties to consent to, fife', and you will find a list of properties available to consent to.
The housing office at district council is Fife will be capable of help you. Their phone number within in G00GLE.
Is that Scottish dialect or simply bad English? I guess you mean a register of private landlords with properties to consent to. If so Falkirk district council will be able to sustain on
Municipal Buildings
Falkirk FK1 5RS
Tel: 01324 506070.
Hope this help with your housing, but perchance a typing or English lesson wouldn't go amiss first?
Buying home, how do I gross an contribute in need an agent?
Question:
Tired of dealing with agent, I resolve to buy home on my own. But I don't know how to make an propose. Should I submit the contract with the bestow? Thank you very much for your answering.
Answer:
Why you don't want an agent? you don't hold to pay ANYTHING to your agent. The commission is automatically compensated by the seller!! between 2%-3.5% of the purchase price.
The protection is already salaried by the seller. Just lift advantage of that. -That's why nearby are a lot of guys outside trying to be your agent. The commission is automatically.
Are you going to payment cash? if you do, so, you don't requirement a mortgage agent neither. Otherwise. you must need a broker who can give support to you with the loan.
i would particularly find an agent that you want to deal beside there is so much more to it than you guess ( taxes, property searches, inspections, etc.) and if something go amiss then they enjoy to fix it if you mess something up you are just stuck
If it is scheduled with a RE Broker, you will hold to make the present through the agent.
If it is not listed (a FSBO) gross a verbal volunteer, and if accepted, take a Real Estate Attorney to draw up the papers or at least read the papers and represent you through the closing.
Don't try to do it minus legal counsel, whether it is scheduled or not.
Make a verbal submit. If they agree, put it in writing and offer them an earnest money deposit.
If the seller is using an agent, you may not be allowed to grant without going through an agent OR their agent may become your agent. If it's FSBO, you and wholesaler work out the details.
I would certainly clear any offer contingent on a home inspection beside a reliable (if you can find one) inspector. Don't use the seller's.
We've done this before. We go to Target and about an Offer form - 1 monitor. Filled it out and gave it to the homeowner who be FSBO. Thats all it took. We own our own settlement attorney so he handled things from within.
Make sure you think through adjectives the little things like:
taxes who pays and how is it done locally
inspections you want done - and move off open to negotiate anything found.
items that stay beside the house - assume nothing! fridge, stove, lights, anything.
when is possession taking place- at closing, 5 days after, etc
are you doing a walk-through before closing
days to apply for loan & demand appraisal - type of loan you are anticipating - make sure you hold yourself covered.
earnest money - who holds it? what conditions does it get returned? how much?
how will addendums be handle?
Just some thoughts - I've watched ancestors with agents forget things. The price is not adjectives you are negotiating
Don't quality sorry for yourself once the transaction goes through and you get screwed in some mode. Know what you're doing before purchasing or selling concrete estateof any kind in need representation from an agent. If you don't even know how to go just about making an offer or theprocedure of it (and this is basically the beginning) that should be your answer right there.