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Nevada State Facts And Las Vegas Historical Information And Las Vegas Why Internet Ads? Clark County Rentals Newsletter The Old Fashion Way For Renters And Advertisers! ! * Just Because * *Advertising * *The Winds of Change are Blowing!* Tips For Renters   Buying Your Home What You Can Afford How do you determine the value of a troubled property? When is the best time to buy? What can I afford? How much will I spend on maintenance expenses? Where do I get information on housing market stats? What is the standard debt-to-income ratio? How long do bankruptcies and foreclosures stay on a credit report? What is Fannie Mae's low-down program? How much does my real estate agent need to know? Working With a Real Estate Agent Are commissions negotiable? What about a buyer's agent? Where can I get information on buyer agents? Can I use an agent for a new home? How much does my real estate agent need to know? How many people sell their homes themselves? Appraisals & Market Value How is a home's value determined? What is the difference between market value and appraised value? How do you determine the value of a troubled property? What are the standard ways of finding out how much a home is worth? What's a house worth? What standards do appraisers use to estimate value? What is the return on new versus previously owned homes? What is the difference between list price, sales price and appraised value? Can I find out the value of my home through the Internet? Negotiating and Closing a Good Deal Is a low offer a good idea? What contingencies should be put in an offer? What is the first step to buying a home? How is the price set? Is there a secret to good negotiating? Are low-ball offers advisable? Are interest rates negotiable? Should I include an inspection contingency in my offer? Can you buy homes below market? Can you negotiate the price on new homes? Who gets the furnishings when a home is sold? What do you think of get-rich-quick real estate schemes? What is the best time to buy? What are some tips on negotiation? Do I need an attorney when I buy a house? What repairs should the seller make? How much does my real estate agent need to know? What is the difference between list price, sales price and appraised value? Condominiums & Townhomes Are one-bedroom condominiums a good investment? How do I figure out the homeowners association? How do you choose between condos and single-family homes? Are condominiums risky to buy? Do condos have to be made accessible to the disabled? Can condos ban smoking? Can a condo association ban nudity? Are condos a good investment? Where do I get information on condo association laws? Where do I get information on condos? Whom to Contact (How to Buy) How do I find a home inspector? What standards do appraisers use to estimate value? Where do I get information about housing discrimination? Where can I get information on buyer agents? Where do I get information about closing costs? Where do I get information on housing market stats? How do I reach the IRS? Where do I get information on lease options? Where do I get information about finding a real estate attorney? Where do I get information on home market stats and trends? Whom to Contact (Where & What to Buy) Where can I get a list of home builders? Where do I get information on filing consumer complaints? Where do I get information on co-ops? Where do I get information on housing market stats? Where do I get information on manufactured housing? Tenants-In-Common and Co-ops Where do I get information on co-ops? Can a co-owner force someone off a shared deed? Escrow & Closing Costs What contingencies should be put in an offer? How can I save on closing costs? What are closing costs? Why do I need a title report? Where do I get information about closing costs? Who pays the closing costs? Finding the Right Home How do you choose between buying and renting? What are the pros and cons of adding on or buying new? What do all of those real estate acronyms in the ads mean? Do we dig deep and buy a dream home or settle for a starter home? How do I get the real scoop on homes I am looking at? Fixer-Uppers Are there programs for fixer-uppers? Where are fixer-uppers found? What kind of return is there on remodeling jobs? Are there gov't programs for rehab? How do building codes work? What are some resources for info on home improvements? Are there any special tax breaks for historic rehab? What are some guidelines to follow when trying to find a contractor? Are fixers a good idea in bad areas? Foreclosures Can I get a HUD home for as little as $100 down? How does a home go into foreclosure? Are foreclosures an option? What are problems buying foreclosures? What types of foreclosure are there? What happens at a trustee sale? How do you get financing for a foreclosure? How do you find government-repossessed homes? Where do I learn about HUD foreclosures? Where can you find foreclosures? Where can you find foreclosed HUD homes? Do you have to buy HUD homes through a realty agent? What about buying a foreclosure "as is"? Home Inspections & Warranties What's a home inspection? Do I need a home inspection? How do I find a home inspector? How do I find a home inspector? Insurance What is guaranteed replacement cost insurance? What kind of home insurance should I get? Interest Rates Where are interest rates headed? How do you lock in an interest rate? How do you choose between fixed and adjustable rates? What are rates for FHA and VA loans? How do you get a low-interest rate loan? How are the rates set for seller financing? What are the most popular ARM indices? Are interest rates negotiable? How do adjustable-rate loans change? Where can I get adjustable-rate loan info? Tell me more about ARMs? What is APR? How do I monitor my ARM loan? What is the value of a mortgage lock-in? Lease Options What is a lease option? Where do I get information on lease options? How do lease options work and what are the benefits? Making an Offer Is a low offer a good idea? What contingencies should be put in an offer? Whose obligation is it to disclose pertinent information about a property? How do you determine the value of a troubled property? Are low-ball offers advisable? What is the difference between list and sales prices? Can you buy homes below market? Who gets the furnishings when a home is sold? What are some tips on negotiation? Do I need an attorney when I buy a house? What are the standard contingencies? What is the difference between list price, sales price and appraised value? Negotiating Is a low offer a good idea? What is the difference between market value and appraised value? What contingencies should be put in an offer? How is the price set? What is the best time to sell your house? Is there a secret to good negotiating? Are low-ball offers advisable? Do I have to consider contingencies? Who gets the furnishings when a home is sold? New Homes & Vacation Homes Can you negotiate the price on new homes? Should I buy a vacation home? What do you think of a vacation home as an investment? Do builders give financing? Where can I get a list of home builders? Should I hire a home inspector for a new home? What are some new-home cautions? What about new versus previously owned? What are considerations to buying a new home? What is the return on new versus previously owned homes? Common Q&A About Selling Your Home Do sellers have to disclose the terms of other offers? Who gets the furnishings when a home is sold? Should I add on or buy a bigger home? What are some tips on negotiation? How do I prepare the house for sale? How long do bankruptcies and foreclosures stay on a credit report? What do all of those real estate acronyms in the ads mean? Tax Considerations Are the costs of a natural disaster deductible? What is the Mortgage Credit Certificate program? Are taxes on second homes deductible? What home-buying costs are deductible? How do you choose between buying and renting? Explain the home mortgage deduction . . Should I buy a vacation home? Are there tax credits for first-time home buyers? Are seller-paid points deductible? Can you deduct the cost of home improvements? How do I save on taxes? What are the rules on capital gains when inheriting a house? When is the best time to buy? What are the rules for mortgage credit certificates? Can I deduct the loss I suffered when I sold my home? Are points deductible? Where do I get information on IRS publications? How do I reach the IRS? What tax benefits are there to homeowners? How are fees and assessments figured in a homeowners association? Property Taxes How do property taxes work? Are property taxes deductible? Where can I learn more about appealing my property taxes? How is a home's value determined? Are taxes on second homes deductible? What is an impound account? Do all loans require impound accounts? Investing in Real Estate Whom to Contact (How to Invest) Where do I get information about being a landlord? Where do I get information on lease options? Where do I get information about finding a real estate attorney? Whom to Contact (What to Invest in) Where do I learn about HUD foreclosures? Where do I find about IRS properties? Where do I get information on homes with historic value? Where do I get information on REITS? Whom to Contact (Investing, Tax Considerations) Where do I get information on IRS publications? How do I reach the IRS? Fixer-Uppers Are there programs for fixer-uppers? Where are fixer-uppers found? What kind of return is there on remodeling jobs? Are there gov't programs for rehab? How do building codes work? What are some resources for info on home improvements? Are there any special tax breaks for historic rehab? What are some guidelines to follow when trying to find a contractor? Are fixers a good idea in bad areas? Foreclosures Can I get a HUD home for as little as $100 down? How does a home go into foreclosure? Are foreclosures an option? What are problems buying foreclosures? What types of foreclosure are there? What happens at a trustee sale? How do you get financing for a foreclosure? How do you find government-repossessed homes? Where do I learn about HUD foreclosures? Where can you find foreclosures? Where can you find foreclosed HUD homes? Do you have to buy HUD homes through a realty agent? What about buying a foreclosure "as is"? Condos, Apartments & Single-Family Homes Are one-bedroom condominiums a good investment? How do I figure out the homeowners association? How do you choose between condos and single-family homes? Are condominiums risky to buy? What do you think of a vacation home as an investment? What do you think of get-rich-quick real estate schemes? Do condos have to be made accessible to the disabled? Can condos ban smoking? Are condos a good investment? How do I project rents on a rental? Lease Options What is a lease option? Where do I get information on lease options? How do lease options work and what are the benefits? Property Management Where can I get information on writing leases? Where do I get information about being a landlord? Seller Financing What are the benefits of seller financing? How are the rates set for seller financing? What is seller financing? Income Taxes Where do I get information on IRS publications? How do I reach the IRS? Property Taxes How do property taxes work? Are property taxes deductible? Where can I learn more about appealing my property taxes? How is a home's value determined? Are taxes on second homes deductible? What is an impound account? Do all loans require impound accounts? Real Estate Value What is the difference between market value and appraised value? How do you determine the value of a troubled property? How do you increase the value of your property? What are the standard ways of finding out how much a home is worth? Can you buy homes below market? How can I improve the value of my property? What kind of return is there on remodeling jobs? Your Mortgage Alternative Loans What are the risks of "b" and "c" loans? Appraisals & Market Value How is a home's value determined? What is the difference between market value and appraised value? How do you determine the value of a troubled property? What are the standard ways of finding out how much a home is worth? What's a house worth? What standards do appraisers use to estimate value? What is the return on new versus previously owned homes? What is the difference between list price, sales price and appraised value? Can I find out the value of my home through the Internet? Assumable Loans What is a wrap-around loan? Are FHA loans assumable? How do you find out if a loan is assumable? Bankruptcies & Foreclosures How do you clear up bad credit? What options are there after Chapter 11? Can I refinance after bankruptcy? How long do bankruptcies and foreclosures stay on a credit report? What can I do if I have bad credit? How bad is a previous foreclosure on credit? All Cash What about an all-cash offer? Whom to Contact (Other Mortgage Considerations) Where do I get information on who regulates lenders? Where do I get information on finding the best loan? Where do I get information on lock-ins? Where do I get information on mortgages? Where do I get information on correcting loan payments? Where can I get a list of mortgage brokers? Where do I get information on refinancing? How do I monitor my ARM loan? Whom to Contact (Government Loan Programs) Where do I get information on who regulates lenders? Where do I get information on finding the best loan? Where do I get information on correcting loan payments? Where can I get a list of mortgage brokers? Where do I get information on the secondary market? Where do I get information on VA loans? Whom to Contact (Home Loan Options) Where do I get information on lease options? Where do I get information on finding the best loan? Where do I get information on mortgages? Where do I get information on correcting loan payments? Where can I get a list of mortgage brokers? Where do I get information on PMI? How do I monitor my ARM loan? Whom to Contact (Qualifying) Where do I get information about housing discrimination? Where do I get information on consumer credit laws? Where do I get a copy of my credit report? Where do I get information on who regulates lenders? Where do I get information on finding the best loan? Where do I get information on mortgages? Where can I get a list of mortgage brokers? Credit What exactly is bad credit? What if there is a credit reporting mistake on my report? Will bad credit prevent someone from getting a home? How do I find out what my credit report says? Where do I get a copy of my credit report? Where do I get information on consumer credit laws? What do I do if I get turned down for a loan? What do I do about bad credit? How do you clear up bad credit? How long do bankruptcies and foreclosures stay on a credit report? Mortgage Credit Certificates What is the Mortgage Credit Certificate program? Are there tax credits for first-time home buyers? What are the rules for mortgage credit certificates? Easy-Qualifier Loans What are no-doc loans? Can someone who is unemployed get a loan? Fannie Mae How can Fannie Mae help a home buyer? What is the Community Home Buyers program? Who is Fannie Mae? Are there Fannie Mae programs for inner cities? What is Fannie Mae's low-down program? Federal Housing Administration Can I get a HUD home for as little as $100 down? Are there programs for fixer-uppers? How does FHA work? Which lenders offer FHA loans? Do FHA loans require impound accounts? How do you find government-repossessed homes? What are rates for FHA and VA loans? Are there gov't programs for rehab? Do you have to buy HUD homes through a realty agent? Rules for a FHA Loan? Are FHA loans assumable? Fixer-Upper Loans Are there gov't programs for rehab? Can you deduct the cost of home improvements? How do building codes work? Are there any special tax breaks for historic rehab? Interest Rates Where are interest rates headed? How do you lock in an interest rate? How do you choose between fixed and adjustable rates? What are rates for FHA and VA loans? How do you get a low-interest rate loan? How are the rates set for seller financing? What are the most popular ARM indices? Are interest rates negotiable? How do adjustable-rate loans change? Where can I get adjustable-rate loan info? Tell me more about ARMs? What is APR? How do I monitor my ARM loan? What is the value of a mortgage lock-in? Lease Options What is a lease option? Where do I get information on lease options? How do lease options work and what are the benefits? Lock-Ins How do you lock in an interest rate? Do you advise a lock-in on a home loan? Where do I get information on lock-ins? What is the value of a mortgage lock-in? Low Cost Loans Is there such a thing as a no-cost or no-fee loan? What about these ads for no-cost loans? Low Down Loans Can I get a HUD home for as little as $100 down? How can Fannie Mae help a home buyer? Do states offer help to home buyers? Is PMI always required on low-down home loans? Are there low-down-payment home loans? Do I have to disclose a parent's gift? How do some of these low-down programs work? Who do I call for a low-down-payment loan? What is a low down payment? Should I put more or less down, if we can afford it? Are there alternatives to low-down-payment loans? Where do I get information on PMI? What is Fannie Mae's low-down program? Negative Amortization What is negative amortization? When is a negative-amortization loan a good idea? Can I convert a negative-amortization loan to a regular loan? No Money Down Is equity sharing a good idea? Are there no-down payment home loans? What about nothing down? Parent Gifts & Loans Do I have to disclose a parent's gift? What is a gift letter? Private Mortgage Insurance Is PMI always required on low-down home loans? What is PMI? What does PMI cost? How do I drop PMI? Prequalifying and Preapproval How do you qualify as a first-time buyer? What can I afford? What do I do if I get turned down for a loan? What is the first step when looking for a home loan? Prepayment What are the benefits of pre-paying the mortgage? What about splitting my mortgage in two and paying bi-weekly? Reversed Annuity Mortgages What is a reverse mortgage loan? Refinancing When is the best time to refinance? What about these ads for no-cost loans? Where do I get information on refinancing? Can I refinance after bankruptcy? Seller Financing What are the benefits of seller financing? How are the rates set for seller financing? What is seller financing? State Programs Do states offer help to home buyers? Veterans Administration Who can get a VA loan? What are VA programs? Can National Guard vets, and other reservists, get VA loans? What if a VA loan is foreclosed on? Do all loans require impound accounts? What are rates for FHA and VA loans? How does someone qualify for VA loans? Where do I get information on mortgages? Where do I get information on VA loans? 15, 30, & 40 Year Loans What about a 15-year v. 30 year loan? What about splitting my mortgage in two and paying bi-weekly? Are 40-year mortgages a good idea? Owning Your Home Home Price Appreciation What is the difference between market value and appraised value? How do you increase the value of your property? What are the standard ways of finding out how much a home is worth? How can I improve the value of my property? Should I add on or buy a bigger home? What kind of return is there on remodeling jobs? Where do I get information on housing market stats? Whom to Contact (Maintaining & Improving) Where can I get a list of architects? Where do I get information on remodeling? Whom to Contact (Other Ownership Issues) Where do I get information on homes with historic value? Where do I get information on housing market stats? How do I reach the IRS? Where do I get information about finding a real estate attorney? How do I monitor my ARM loan? Fixer-Upper Loans Are there gov't programs for rehab? Can you deduct the cost of home improvements? How do building codes work? Are there any special tax breaks for historic rehab? Hiring a Contractor What are some guidelines to follow when trying to find a contractor? Where do I get information on remodeling? How do I find a home inspector? Homeowner Associations Do condos have to be made accessible to the disabled? Can condos ban smoking? Can a condo association ban nudity? Are condos a good investment? What's a house worth? Where do I get information on condo association laws? Where do I get information on condos? How are fees and assessments figured in a homeowners association? Improving Your Real Estate How do you increase the value of your property? How can I improve the value of my property? Should I add on or buy a bigger home? What kind of return is there on remodeling jobs? Are there gov't programs for rehab? Can you deduct the cost of home improvements? How do building codes work? What are some resources for info on home improvements? Will a neighbor problem reduce the value of my property? What are the pros and cons of adding on or buying new? What are some guidelines to follow when trying to find a contractor? How much will I spend on maintenance expenses? Where can I get a list of architects? Where do I get information on remodeling? What repairs should the seller make? Insurance What is guaranteed replacement cost insurance? What kind of home insurance should I get? Neighbor Disputes Can a condo association ban pets? Building Permits & Zoning How do building codes work? Where do I get information on remodeling? When are building permits needed? Reversed Annuity Mortgages What is a reverse mortgage loan? Refinancing When is the best time to refinance? What about these ads for no-cost loans? Where do I get information on refinancing? Can I refinance after bankruptcy? Tax Considerations Are the costs of a natural disaster deductible? What is the Mortgage Credit Certificate program? Are taxes on second homes deductible? What home-buying costs are deductible? How do you choose between buying and renting? Explain the home mortgage deduction . . Should I buy a vacation home? Are there tax credits for first-time home buyers? Are seller-paid points deductible? Can you deduct the cost of home improvements? How do I save on taxes? What are the rules on capital gains when inheriting a house? When is the best time to buy? What are the rules for mortgage credit certificates? Can I deduct the loss I suffered when I sold my home? Are points deductible? Where do I get information on IRS publications? How do I reach the IRS? What tax benefits are there to homeowners? How are fees and assessments figured in a homeowners association? Property Taxes How do property taxes work? Are property taxes deductible? Where can I learn more about appealing my property taxes? How is a home's value determined? Are taxes on second homes deductible? What is an impound account? Do all loans require impound accounts? Selling Your Home Working With a Real Estate Agent Are commissions negotiable? What about a buyer's agent? Where can I get information on buyer agents? Can I use an agent for a new home? How much does my real estate agent need to know? How many people sell their homes themselves? Appraisals & Market Value How is a home's value determined? What is the difference between market value and appraised value? How do you determine the value of a troubled property? What are the standard ways of finding out how much a home is worth? What's a house worth? What standards do appraisers use to estimate value? What is the return on new versus previously owned homes? What is the difference between list price, sales price and appraised value? Can I find out the value of my home through the Internet? Whom to Contact What standards do appraisers use to estimate value? Where do I get information about closing costs? Where do I get information on filing consumer complaints? Where do I get information on housing market stats? Where do I get information on IRS publications? How do I reach the IRS? Where do I get information about finding a real estate attorney? Selling at a Loss Can a home seller sell a home for less than its mortgage? When does foreclosure begin? Disclosure Do sellers have to disclose the terms of other offers? Whose obligation is it to disclose pertinent information about a property? Will a neighbor problem reduce the value of my property? Do I need an attorney when I buy a house? What are the standard contingencies? What repairs should the seller make? How do I get the real scoop on homes I am looking at? Escrow & Closing Costs What contingencies should be put in an offer? How can I save on closing costs? What are closing costs? Why do I need a title report? Where do I get information about closing costs? Who pays the closing costs? Foreclosures Can I get a HUD home for as little as $100 down? How does a home go into foreclosure? Are foreclosures an option? What are problems buying foreclosures? What types of foreclosure are there? What happens at a trustee sale? How do you get financing for a foreclosure? How do you find government-repossessed homes? Where do I learn about HUD foreclosures? Where can you find foreclosures? Where can you find foreclosed HUD homes? Do you have to buy HUD homes through a realty agent? What about buying a foreclosure "as is"? Lease Options What is a lease option? Where do I get information on lease options? How do lease options work and what are the benefits? Negotiating Is a low offer a good idea? What is the difference between market value and appraised value? What contingencies should be put in an offer? How is the price set? What is the best time to sell your house? Is there a secret to good negotiating? Are low-ball offers advisable? Do I have to consider contingencies? Who gets the furnishings when a home is sold? Pricing the House to Sell Is a low offer a good idea? What is the difference between market value and appraised value? How does someone sell a slow mover? How is the price set? How do you prepare a house to sell? What are the standard ways of finding out how much a home is worth? What is the difference between list and sales prices? What is the best time to buy? What are the two most important factors when selling a home? Where do I get information on housing market stats? What is the difference between list price, sales price and appraised value? Seller Financing What are the benefits of seller financing? How are the rates set for seller financing? What is seller financing? Common Q&A About Selling Your Home Do sellers have to disclose the terms of other offers? Who gets the furnishings when a home is sold? Should I add on or buy a bigger home? What are some tips on negotiation? How do I prepare the house for sale? How long do bankruptcies and foreclosures stay on a credit report? What do all of those real estate acronyms in the ads mean? Short Sales Can a home seller sell a home for less than its mortgage? How does someone sell a slow mover? How does a home go into foreclosure? When does foreclosure begin? How long do bankruptcies and foreclosures stay on a credit report? Tax Considerations Are the costs of a natural disaster deductible? What is the Mortgage Credit Certificate program? Are taxes on second homes deductible? What home-buying costs are deductible? How do you choose between buying and renting? Explain the home mortgage deduction . . Should I buy a vacation home? Are there tax credits for first-time home buyers? Are seller-paid points deductible? Can you deduct the cost of home improvements? How do I save on taxes? What are the rules on capital gains when inheriting a house? When is the best time to buy? What are the rules for mortgage credit certificates? Can I deduct the loss I suffered when I sold my home? Are points deductible? Where do I get information on IRS publications? How do I reach the IRS? What tax benefits are there to homeowners? How are fees and assessments figured in a homeowners association? Property Taxes How do property taxes work? Are property taxes deductible? Where can I learn more about appealing my property taxes? How is a home's value determined? Are taxes on second homes deductible? What is an impound account? Do all loans require impound accounts? 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