Cebu real estate is ideally located in central Philippines, approximately 600 kilometers south of Manila and can be reached in an hour by air.
Strategically located in the heart of the of the Philippines, it serves as the jumping-off place to tourist destinations in the Philippines; Leyte, Bohol-Panglao, Samar, Dumaguete, Siquijor and Mindanao islands – Cagayan de Oro, Camiguin and Surigao del Norte.
The destination of Cebu City Philippines is known for conventions and resorts. Taking complete advantage of the desirable sun, sand, and mountains, it is advertised as the best playground, with numerous holiday activities that have been set up throughout the province.
Cebu, arguably the country’s finest diving center, many scuba divers find Moalboal, Sogod, Pescador, Santa Rosa Islands and Boyong Boyong in Mactan as prime dive spots. World-class resorts fringe the islands, serving both divers and beach loving tourists alike.
Modern shopping malls, fine dining restaurants and lively entertainment centers, including two casinos and sprawling golf fairways, add luster to Cebu real estate landscape, offering tourists plenty of activities to engage in.
Cebu has a proven capability and economic track record. It is the second largest city and continues to be the fastest growing economy in the country. It leads in exports of item such as furniture, fashion accessories, carrageenan, semi-conductors, electronic products, etc and is the countries second largest IT and BPO growth area behind Metro Manila.
Because of its deep-water harbor, Cebu is the base of the country’s domestic shipping. 80% of the country’s major shipping companies are based in Cebu. Likewise, with the Mactan Cebu International Airport, Cebu is an accessible passageway to southern Philippines. It allows easy movement of domestic and international travelers and trading connections.
Presently, direct flights are available for destinations such as Bangkok, Macau, Singapore, Jakarta, Narita, Seoul, Hong Kong, Kota Kinabalu and Qatar. Chartered flights are also available for Inchon, Kansai, Kaohsiung, Taipei and Nagoya.
Property is all about location, Cebu property provides you with both the laid back lifestyle of provincial living, as well as prerequisites of the urban dweller. Schools, hospitals, restaurants, shopping malls, and leisure are all found on the island itself.
Expatriates and overseas Filipinos have been fanning a housing boom in Cebu, Philippines making them the industry’s top market because of their willingness to invest in quality housing or lease, short and medium term condos driving rents up to new highs.
At least $1 billion in remittances from Filipinos alone, living or working abroad flow in every month, not to mention the inflow of foreign real estate investors as the market in the United States turns from a sellers to a buyer’s market amidst falling property prices, job losses, and the tight credit conditions.
A strong percentage of these inward remittances goes into buying new houses for their families, high-end condos or resort homes for their own use and in condo hotel or “Condotel” investments as income producing properties.
Condotels or condo hotels are the fastest growth area in the hotel industry today. Condotels have been around for quite some time now, and have been “Hot Investment Properties” in the U.S.A. for some time.
But what exactly are “condotels”? A condotel or condo hotel, is a combination of hotel and a condominium. You can think of it as the best of both worlds. Operating like a hotel, usually with more amenities than a normal residential condominium building, the condotel units are individually owned by many different owners. While different complexes and resorts may vary, most give you the choice of renting the units out or using them for personal use. Many of them have a rental program and management on the premises, getting rid of all the hassles that landlords always encounter.
Desirable locations to build in the Philippines are not limitless. There is a dropping supply of available land in key markets such as Metro Manila, Cebu and Boracay. In the highly desirable areas available building land in prime locations are fast being sold which ensures that condotels built in these locations will see significant real property appreciation.
Top Tips in Buying Home Land in NW San Antonio
If you are looking into quality life and a low cost of living then buying a home land in NW San Antonio is the thing for you.
Buying home land in NW San Antonio can seem intimidating, but it really isn’t difficult at all when you analyze your needs and determine which types of land are most suitable for the home you plan to build.
Talk with a mortgage broker or bank loan officer to find out how much you can afford. If you plan to build you own home right away, the loan officer should explain construction loans, including the closing procedures you’ll encounter while the house is being built.
When buying Home land in NW San Antonio get estimate and talk with your contractors to determine the average price you can expect for your property purchase. To find the maximum amount you can spend for land, deduct the estimated building costs from your total budget–then deduct a bit more for unexpected expenses.
Look for ‘For Sale’ signs on your drive to favorite areas. You can also look for local listings on the internet. Note the exact location of interesting tracts, and then visit your county tax office to find the owner’s name. Contact the owner to ask if the land is for sale.
Talk with an agent about your wants and needs so that she can help you locate the perfect home and land in NW San Antonio.
When buying homes always check the necessities in their like the electrical switches, light bulbs the water flow and the gas connections.
Always check for an easement. An easement is the right to use another person’s land for a stated purpose. Does someone else have the right to use the property you want to buy? Find out before you make an offer, or add a contingency to the offer that you must approve existing easements before finalizing the sale.
When buying home land in NW San Antonio locate property boundaries and Look for iron pins at the corners of property, or at any point where the property line makes a turn. You might find iron pins flush with the center of the road, too.
In wooded areas, watch for pathways cut by surveyors when they marked a property line. They are often visible for many years.
Trees or bushes along property lines that are marked with brightly colored paint or plastic are also a good sign of property lines.
Surveys are always an excellent idea and some banks necessitate them. Updates to obtainable surveys are often acceptable and are less expensive than ordering a new survey.
If there’s a query about the quantity of acres in the area, your offer can be stated as “X dollars per acre as determined by the latest survey.” Now, you’ll need to word it a bit healthier, and state who will pay for the survey. The method can work to either the buyer or seller’s advantage, depending on how many acres are found.
If the assets are accessed from a personal road your bank might call for a recorded contract that shows all owners have agreed to help with road upkeep.
Ask for a signed statement that discloses facts about buried items, such as oil or gas storage tanks. Their removal and cleanup can be expensive.
Before you make an offer, think about the “what ifs”–things that would make the property unusable for your purposes. Add these to the offer as contingencies, things that must or must not happen before you buy. For example:
Offers for land lacking sewer hookups should be subject on your ability to obtain permits for a septic system. If an architectural evaluation board must approve your home plans, the offer should be contingent on obtaining authorization.
The offer should be contingent on obtaining the type of financing you desire.
Some contingencies are included in standard contracts, but your agent, contractor, or real estate attorney can help you determine if other contingencies should be added.
Buying home land in NW San Antonio can be a fun adventure. If you look hard enough, you may find a perfect building site just waiting to be cleared from an overgrown jungle of brambles and weeds.
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For all the time and effort a for sale by owner put into selling your property one of the most valid things you could do would be to spend a little time creating an eye catching advert. seizing the readers attention is the single most important thing you can do when trying to sell your property, remember what caught your eye when you first saw the ad for your present home their may be other people in the same position you were and looking for the same type of property, so what drew you to your property may in turn draw them to your property.
The single most important point behind property marketing is attracting as many people as possible to readvert your advert, getting people to read your ad is one third of the way towards the sale of your property, once they have taken the time to readvert your ad only then they can appreciate all the benefits of having a home like yours, may be its close to a motorway that goes straight to a major city, maybe it’s got real investment potential or even close to all the amenities a person with a family should need i.e. schools, local shops and a supermarket even.
Take it from me you have to gain their interest of a potential buyer straight away, the first impressions is a very valid part of not only selling your home but also selling your advert, that being said it is a very simple process once you understand the basic principles. The length of your ad is not as important as they content of your advertisement, it’s important to take some time to sit and compose an ad maybe rewriting it until you come up with something that you are happy with.
Features
Carefully thinking about all the features you may have in your home is an significant part when composing an advertisement, wooden floors, period features, large living room, large garden, driveway, garage these are all features that you can use to improve an advert if your home has recently been updated, rewired, extended, new kitchen or a conservatory these are features that must be emphasised when composing your advert.
The reason I say this is because throughout my time in the property market I have seen many badvertisement ads with the majority of them coming from estate agents, they can be sloppy in their work but most importantly no one knows your home like you do, think back to comments from past visitors what they like about your house, were there features that really impressed them ” oh I loved your kitchen” these things need to be emphasised within your ad.
A title that attracts the eye
when thinking of writing an advertvert the most valid line you will write is the title, a title that will make people stop and read on, the general rule is that it shouldn’t contain more than four words so using titles like luxury London apartment, bungalow on quiet cul-de-sac, recently renovated, beautiful three-bedroom house these are all titles that may direct the reader to read the rest of the ad.
For a tip I could say looking through your local news paper or on the Internet and reading through advertisements to see which ones catches your eye, which ones makes you want to readvert on could give you some good ideas then using elements from them in your advert, if it attracts your eye it will almost probably do the same for others, remember with UploadAproperty or a sell property online site even after writing your initial advertisement you can come back at any time day or night and add to, delete parts, completely re-write it if that’s what you want to do, so don’t feel pressured to come up with something before you are readverty you can always go away and do your research and come back and update your advertisement.
A call to action
Whatever you are selling any expert worth his salt will tell you to include a call to action in your ad, this is something that tells the prospective buyer that if they are interested what the next step is, so by saying something like contact me for more details, leave your e-mail advertisementdress and I will get back to you or even leaving a date and time of an open day saying contact me for more information, these are alll calls to actions, in effect you are instucting the prospective buyer to make the next move this is necessary to keep the interest in your property.
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Downtown Toronto Condos: You’ll come across fewer of the “spread-out-in-all-directions ” mansion designs as buyers prefer smaller homes with excellent and efficient designs for a living. The upscale features such as granite countertops, marble spa bathrooms, stainless steel appliances and walk-in closet should still be present. Just about everything a person living in Toronto would want in a dwelling, you can relish by getting a condo instead. Why?
Here, let me give you some mind-boggling answers WHY.
1. AFFORDABILITY
Condos remain the most affordable ownership option for city-like living. More families are choosing condos as the price of single detached homes continue to climb up which basically makes it almost impossible for starters to own a home.
2. ACCESSIBILITY & LOCATION
Comfort and tranquility after stressful hours of work and other activities is what you always look forward to at the end of the day. Most condos in Toronto, if not all , are located within the heart of the city. So that means you can shop and dine all you want without worrying if you’re already running late to go home. Who cares about travel time if home is just a stones throw away from almost everything.
3. LESS MAINTENANCE
Less maintenance means lesser responsibility and lesser expenses. I say lesser expenses because condo fees are very minimal but it gives tons of entertainment, relaxation and recreational facilities. Most condos offers endless amenities like swimming pools, health and fitness spas, sports areas, library, party rooms, etc. plus it would cover the essentials, cable services, electricity, air conditioning, heating and the likes. Lesser headache, limitless activities that you can do.
4. SECURITY
The most important thing is security. Which is by the way, still covered by your minimal condo fee. When looking for homes we easily get so excited with the designs and the amenities that we forget about the security. While security might be the last thing on a buyer’s mind when looking at houses or condos,it’s usually one of the main reasons a buyer would want to leave. Aside from the peace of mind that it will give you, for having a guard on duty for 24 hours, most condos have alarm system set up, lighting, doors and window locks set up by security experts.
Condos are the image of luxury and style. Not only will you need not to walk far from malls, coffee shops, schools and offices, the luxurious facilities and services available in condos should make it worth your your stay in the place that you regard to as Home.
In totality, the prospect for the future of Condo market stays positive and condo sales should continue to outperform the housing market.The changing population will continue to create a sound demand for Toronto Condos. So start shopping for one now!
Calvin Weinfeld is a Real Estate Agent who helps people find condos in downtown Toronto.
You are probably looking to understand what a short sale is. Well, to answer your inquiry, you can just look at the short sale definition, which is, “when a lender of a piece of real estate allows the real estate to be sold for less than the remaining balance on the mortgage loan.” While that may seem very cut and dry, the short sale information does not fully describe the intricacies that are a part of a short sale.
Some short sells are indeed very quick and easy, while others are more complicated. And while short sells have historically accounted for only a few of the properties forsale, the winds of change seem to have stirred. Mortgage lenders do not always think of short sells as the best alternative, but because of the rise in delinquencies and foreclosures they have started to come around. Mortgage companies are also trying to modify loans these days to help home owners make their mortgage payments instead of foreclosing.
Some markets are flooded with short sells. Areas like California, Florida and Nevada have seen such huge reductions that a large percentage of properties on the market are real estate short sales. You are most certainly now asking yourself why this is the case. Well, there are quite a few issues that have caused the amount of short sales to go up in certain areas of the US and finding reliable short sale info can help you understand why.
You may already realize that the real estate market has taken a big hit recently, with many home owners being forced to renege on mortgages that they could not afford. Along with these home owners, Lenders and lending institutions were taken aback when all of these defaulted mortgage loans and thus, foreclosures, began to happen. Perhaps all involved should have seen that these aforementioned loans were too good to be true, as the borrowers simply did not have the financial capabilities of paying these astronomical mortgages. Instead, the home owners accepted the mortgage loans and pushed their concerns to the future, and the mortgage companies continued to loan out the money and had hopes that the new homeowners could meet the inflated interest rates. Unfortunately, most could not.
You may already know that by now, so that leads us to the main question- how did this situation expand the definition of short sale? Well, with the increased instance of loan defaulting and foreclosures, short sells are becoming more popular. They are now a part of every real estate professionals vocabulary.
Ideas on How You Can Use Curb Appeal to Find a Buyer for Your Custer Home
Curb appeal is the most critical challenge you’ll face when selling your Custer real estate. You must make house shoppers feel like leaving their car to see what’s behind the front door. Imagine potential buyers driving up and looking at your Custer SD home for the first time. Your goal is to have them exclaim, “What a darling home!” Or, “What a grand home.”
Curb appeal has matured, and using creative design psychology methods for marketing houses puts curb allure to work, enticing buyers to come inside your house. One technique to make your home outshine the others on the market, upgrading your outside, doesn’t have to cost you a lot of cash.
Restore, the outlet shop for Habitat for Humanity, resells donated house building materials. They have for sale light fixtures, window hardware, paint, house numbers, and even white picket fencing. Restore also allows you to haggle on products, which means that the tagged price isn’t always the final price. You can also sign up for Restore’s mailing list and get notices of half-price sales. We found a great outdoor light fixture at Restore for one of our fixers for only $25. The identical fixture, on hand at our local house building supply outlet, sells for $99.
Suppliers and Exquisite Details
To sell homes in Custer for the highest profit, you need to spend less for improvements to make more money; yet spending a little more can yield significantly more return on your investment. Adding exquisite details can add dollars to your bank account. For instance, if you don’t get what you’re looking for at a bargain price, visit an upscale dealer and look for comparable objects on sale.
If you use unattractive, cheap, or tacky fixtures, you’ll in fact make it more difficult to sell your home by decreasing your house’s curb appeal. Think of it this way: shelling out $100 more for a quality light fixture will save you at a minimum one, and probably more, mortgage payment. That means that your $100 fixture was actually an investment, rather than an expense.
Curb Appeal: Create Inviting Access to Your House
An enticing house setting begins with the access to your home. A problem with a lot of newer houses is that builders don’t provide a separate walkway to the front door. You don’t want to compel buyers to walk around cars and stumble over driveway curbs to find the way to your front door. If you have no dedicated sidewalk to the front door, add a simple path. A wandering path to the front entrance psychologically feels more inviting than a straight-shot walkway.
If you have a simple, straight concrete sidewalk, create rolling flower beds on each side to encourage a relaxed, pleasant feeling. Adding a water feature in close proximity to your entry walk also enhances the ambiance because flowing water relaxes the body and mind and refreshes the spirit. You want to produce a feeling of balance and harmony, resembling that found in nature.
Greet Buyers with Friendly Accessories:
* Wind chimes add delight to your buyers’ sense of hearing.
* Potted plants, such as flowers or soft ferns, are welcoming, but avoid spiked plants with thorns near the front entrance.
* Floral baskets with bright yellow and white flowers show up best day and night.
* A couple of rocking chairs, a double glider, or a porch swing will suggest a sociable neighborhood and invite prospective buyers to sit and visit.
* A welcome doormat also adds a housey touch.
Shun Unwelcoming Attributes
* Patch-up cracks in the driveway with cement epoxy.
* Remove spider webs off overhangs, windows, and deck.
* Fix or replace out of order doorbells.
* Wash or replace grubby or burnt out external lights.
Buyers will excuse small shortcomings in your Custer home if they adore it from the initial time they see it. So go a few extra steps beyond curb appeal and lure your prospective buyers inside with design psychology methods. Take a little extra time and expend just a bit more money, and you will be able to sell homes for sale in Custer fast, and for more money.
Private funding and finding people who are able to provide private investor money can have a dramatic impact upon your ability to succeed at building lasting wealth. Many individuals find that without some assistance, taking the first step towards long term financial security can be difficult. Achieving your investment goals can be a complex process and traditional lenders may shy away from those who have a poor or little credit rating. Many people find that securing the necessary cash to make a solid start to building can made easier when they approach private individuals for funding.
What is Private Funds
Private money are those financial resources that are made available through the private sector or private persons. For those who are interested in building a business, seeking venture capital or investing in real estate, there are a number of private money opportunities available. Using private cash provides you with the advantage of lower costs, but more importantly, private money are generally more flexible than other loans.
With daily living expenses, mortgages, credit cards, car loans and other loans eating into your income, using private money can be one means of securing the funding you need to start getting ahead financially. If you use theprivate money to begin creating long term wealth, and you manage to create a solid profit margin through real estate investment, then private funding can really help you start to get ahead. Private funds will let you stay in control of your finances and provide opportunities for achieving your goals when you may not be able to receive the loan through a regular financial institution.
Securing private funds from private individuals generally means that you borrow the money from these lenders who in turn want a return on their investment. Borrowing in this way is a lot more flexible than borrowing from lending institutions. This gives you the advantage of tailoring a loan to fit your unique investment goals and lending requirements.
Securing Private Funding
Securing private money for your investment goals could be easier than you imagine. You might find that you can obtain funds through a family member, business associate or friend. One way to secure the funding is through simply letting people know that you are interested in borrowing the money. If someone is familiar with the process it will be easier. If you need to look further afield to find the funds you need, you might still find that this is simpler than you had thought.
One option for securing private funding is to seek out lenders through networking via investment clubs, real estate clubs and via contacts you make in these places. Many investors who are seeking private funding will recommend that you ‘prospect’ for private investors willing to put up the cash for your planned investment. By regularly networking and building your contact base, you’ll find that you have a wider circle of individuals you can approach when seeking private funds. Once you have a solid group of contacts, you’ll also find this can help you learn of new opportunities for real estate investment and you’ll have a group of lenders who genuinelycomprehend the investments you are making.
Another opportunity for finding probable lenders to provide private funding is via internet ads. These can help you gain more information about how to secure private money, as well as a wealth of additional information through educational opportunities and reports. It’s not desirable to advertise for prospective lenders online yourself. Instead, it is recommended that you attend networking events or investment workshops and similar to meet others who have an understanding of private funding and an interest in lending funds for profitable opportunities. The general rate of interest on private funding is fairly consistent with personal loans, sitting at about 9-15%. This makes the use of private funds a mutually useful activity for both the investor and the lender.
If you are looking for an chance to begin investing, then private funds for real estate investment is a chance to get started on the road to financial security and long term wealth. By using private investor money, you can access the money necessary to carry out investment deals for mutual benefit. In securing funds where you may not have been able to if you had to go through traditional channels, you’ll achieve your goals for real estate investing faster.
So you like the paint. The doors’ and windows’ pattern. The patio or terrace. The hardwood floors. Basically, what you see in this beautiful work of art. Excellent! Great! It’s one of the many reasons why people have loved the condos in downtown Toronto.
But of course there are other essential factors you need to consider too aside from the pretty visuals that is before you. Aside from the location, here are other important aspects you need to consider too before actually purchasing that lovely condo.
Security – One of the firsts that I always check is the security of the building. Whether it be alarm systems installed, lights, entrances and exits, etc., I always make sure that everything, or at least if not all, most of the area is pretty secured. Don’t get me wrong ok? I guess it doesn’t hurt to look out for this aspect of a building and be very keen about it. Though the area or place might and seems to be secured enough, It’s always much better to be sure, right?
Amenities – Definitely one of the reasons why people go for condos! There are complexes that offer a lot of good things that are just so “irresistable” if I may say. Amenities aside from the pool like gym(s), basketball courts (whether full court or half court, this almost always instantly gets the guys’ nod!), posh parlors (let’s not forget the ladies!), natatoruim (go look this one up and then imagine it!) and many other things that you have always dreamed about having right outside, in this case inside, your dream home! Now ask. Yes you heard me right. Ask the building administrators how much the monthly maintenance fee is and see if it’s actually something you really need. Yes you want it but, do you really need to spend that much extra just to enjoy the unit’s amenities.
Parking – Oh yes! You knew it. You saw this one coming of course. Very essential and can even go hand in hand with security. Don’t just go for the best spot. Check out the accessibility and the lighting. Believe me, it will come in handy.
Cracks and Leaks – Some are concealed quite nicely but you actually do not have to have microscopic vision or eyesight to notice some of them. Take a closer look and if you are actually able to count 10 or more big ones, then I guess you might want to speak with the building administrator about it. It’s not just for your future condo’s sake. It also is actually for maybe soemthing more important like, let’s say, value or safety. Would you agree?
Now there are many other things to consider of course. And I’m sure you know that. Do not let the things I have mentioned above stop you from buying that dream unit of yours. This article is more of like a reminder for you to just make sure that you’re getting your money’s worth and that the building that you will be living in has a lot of things that “more than meets the eye”.
Calvin Weinfeld is a Real Estate Agent who helps people find downtown Toronto condos.
If you are considering selling your house, have you thought about doing it yourself as opposed to using a house agent? There are several advantages of selling your home by yourself but of course, there are also downsides to it. To make it simpler for you to decide check out the upsides, as well as downsides. The most important advantage in closing the deal on your own is of course money. Selling your home without the assistance of an agent will mean there’s more money for you when it’s all said and done. By making the sale yourself you won’t have to pay any commissions to a real estate agent and by commission, that doesn’t mean pocket change, it’ll be more like thousands of dollars which you would have pay for a real estate agent.
But as was said before there can also be problems with sales when you do it yourself, also, agents are paid a large amount of money for good reason the purpose being that selling a home takes takes a lot of energy and time. They have to deal with potential purchasers, open houses, completing sales and the legal side of it. Real estate agents are familiar with all the above and what they know can help the sale. Decide realistically! Will you drop anything you’re doing to get to a showing? Do you truly believe you are indeed a good negotiator and ask for an offer? Are you really sure you are able to close a deal? Selling a home is a complicated process and not many people can actually take on who can handle such a job while remain calm and maintain a professional attitude while they talk with possible buyers.
Marketing your own home is not impossible, but it can be difficult so if that idea incites you and you have a desire to learn then it is not impossible sell your home without hiring an agent. With a bit of knowledge and a lot of energy you can sell your house without employing the services of a professional real estate agent and save thousands.
But how to start? Well, sit down and begin to evaluate your house since posting the right price is the initial and most important step when selling your home yourself.
If you live in FLA and you own a property, the chances are that you or someone else in your neighborhood is upside down in equity. The recent huge drop in real estate values has devastated certain markets more than others and Florida has been hurt a lot. If you have to sell your property when you have little to no equity, a short sale is your best bet.
A short payoff sale is when a home is sold for less money than the current amount on the mortgage. To avoid having a seller bring, one can negotiate with a bank to accept less that the lien amount.
To start a short payoff sale you need to contact a real estate short sale professional. Very few property agents or brokers are true experts at short selling, but there are some out there. You can either have an realtor put your home on the market and have them do the negotiating with the lien holder or have a third party do the negotiating for you.
Whoever it is doing your short sales in florida, they first will contact the bank’s loss mitigation dept and submit an third party authorization. Once they have it they should get the requirements from the bank.
It may take some time for the lien holder to process you authorization to release information, typically twenty four to seventy two hours. I sometimes fax it twice by “accident” to avoid the mortgage company from losing it.
After an offer to purchase is received, you will be asked to find a bunch of financial information to be submitted in your short payoff package. Once it is received by the lien holder, they will order an broker’s price opinion to get a value of the property.
After a lot follow up and a little negotiating, hopefully the bank will approve your short sale. If you have to sell your property for less than what the mortgage is, this is what you should do. As difficult as it sounds, it’s not. I do it everyday and you will do it too!
Deficiency judgments are when the bank issues a judgment against a owner of a house for the deficient balance or forgiven debt. Contrary to what most think these are few and far between. Mortgage companies usually don’t pursue these and in some states they are illegal.
Many lien holders will issue a 1099 for the forgiven debt. This means that they will expect a homeowner to pay federal tax on the forgiven debt. The Mortgage Debt Forgiveness relief Act of 2007 exempts property owner’s of a primary residence from paying federal income tax.
It sounds nuts and most people don’t even believe it works but banks do accept short sales because it can be a lot cheaper than a foreclosure!
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