Looking for a Plano, Texas real estate agent?
May 6, 2009 by
Searching for Plano, Texas real estate agent can be a time consuming experience. Working with a professional Realtor will make the process much more efficient.
Since most people spend a fair amount of time with their Realtor, it is important to choose one you feel comfortable with, and one who is responsive to your needs.
Make sure the agent is dedicated to creating exceptional real estate experiences for their customers and communities through the passionate delivery of Truly Remarkable Service.
That means looking for certifications such as:
- National Association of Realtors
- Texas Association of Realtors
- MetroTex Association of Realtors
- Certified Home Marketing Specialist
- Certified Negotiating Specialist
This is particularly important when searching for
Plano, Texas real estate agents, since the Plano market is a hot one indeed.
The housing marketing may be in a historic low right now, but that doesn’t mean that your personal real estate experience has to be a bad one. It’s just a matter of getting the best agent in the Plano, Texas area that you can, and making sure they are qualified for the task at hand.
So if you’re looking for Plano, TX real estate agents, be sure you keep these tips in mind and get the best agent possible for you personal circumstances. Once that’s done you’re in good shape.
What drives me nuts about some realtors is while you are looking at the house thinking and picturing yourself in the house in the long run. The realtor is busy running his/her mouth about this and that and that is one of the things that can push a person away. Realtors, Give a person a chance to think and allow the couple to talk between themselves without interuptions. If the house is as good and you claim, the house will sell itself.
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To be clear, I am gainfully employed and can easily afford my mortgage payments. That is not the issue.
Here's my points:
Mortgage underwriters (i.e., bankers) were the enablers. They could have decided not to approve mortgages for those that should never have had one.
The premise behind mortgage underwriting is that real estate will reasonably hold its value, As long as demand is sustained (by underwriting mortgages) real estate at least holds its value. As a buyer, I too would assume the same premise as that is why I was approved a mortgage by the underwriters.
Between the bank's mortgage underwiters and its economists, they had to have known that they were artifically driving housing demand – and profiting handsomely in doing so. Although, educated, I did not have the resources to independently understand that the banks were artifically driving the real estate market. Hence I too assumed that when I bought my home, it would sustain resonable value – as real estate always has during my tenure on this earth.
To summarize thus far – I did a conventional mortgage and bought a home based on a reasonable market value – not knowing the market's demand was being artificially driven by aggressive and very risky bank mortgage underwriting.
Jump ahead to post bank bailout.
Bank of America et al receive TARP money and move toxic assets off their balance sheet. This enables them dump off these toxic assets – bad mortgages – and the underlying secured assets – foreclosed homes.
The 'dumping' is done without regard to market values of homes. The consequence of the dumping has been to create a massive inventory of foreclosed homes into the market place. This articificially creates an massive inventory of homes which as we know drives down demand and drags down market values with it.
So to circle back to where we are in this story, the banks created demand and subsequently killed it – while gettng TARP money.
Let's make this post about me now – as a representation of those that have no financial hardship, did nothing wrong, and are now worth less than the day we were born.
I buy my home (in what is now known as ground zero – S. Florida) at the then market value of $400,000 – without any knowledge of what the bank's were doing – my full faith and trust in the banks based on my prior real estate experiences.
Today, banks are dumping the toxic assets pushing the value of my home down to $150,000. That's a $250,000 decline in value folks.
The rule of thumb is that real estate doubles every 15 years. So by the year 2025, I will cover the mortgage but still have totally lost my equity. In other words I an throwing away my money for the next 15 years.
Because I have no financial hardship I am not going to receive any help. So, I have no hope of selling the property unless I get a principal reduction – which I won't.
I recently received a job offer out of state. I had no intention of accepting but I quickly realized that I couldn't accept it because I can't sell my house.
I need to buy a bigger home due to changes in my life but I can't because I can't sell my home.
I mention these examples because I bought my home based on my prior experience that there has never been a long period of time when buyers of real estate could not sell their property. “Underwater” was previously unheard of – even during the S&L crisis in the late 80's.
Now – through no fault of my own – I am pretty much stuck with this home – never my long-term intention. Meanwhile I read in the Wall Street Journal a woman who had a $1MILLION DOLLAR MORTGAGE got a principal reduction to $635,000. And I ask how is this fair?
So, yes there may have been lots of people wanting to buy a home that couldn't afford it. But it was the banks that enabled them to do so. It was therefore the banks – through approved mortgages – that are 100% responsible for this situation as they alone could have denied the mortgage.
So yes, I do blame Bank of America (et al) because they knew what they were doing in driving the housing market up and in driving it back down. That put people like me at a huge disadvantage and that I – that did everything right – am now stuck bearing the burden.
With my Leadership class today
MetroTex Association of Realtors)
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Also, you don't have to be limited by the ads that you see on the “housing available” section of craigslist. I posted a request for housing and got a lot of responses from individual landlords and real estate agents, including the one who ultimately helped me find my apartment. Most real estate agents don't charge the renter, and get paid by the landlord, so you're basically getting free professional help.
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