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A recent Reddit  post shared by a Wisconsin seller highlights a situation where a seemingly secure deal went sour due to missing earnest money. Here, we'll learn about the legalities of earnest money in Wisconsin and address the seller's concerns about their listing agent's role in this scenario. See Article Wisconsin Purchase Agreement Wisconsin Listing Agreement Wisconsin Earnest Money Laws: Wisconsin Administrative Code  ATCP 134.05(2)(a)1. dictates that a landlord cannot accept an earnest money deposit from a tenant until the specific dwelling unit is identified for tenancy. However, for real estate purchases, there's no specific regulation mandating how soon earnest money must be deposited in escrow. However, the Purchase Agreement typically outlines the timeframe . *A sample Wisconsin Real Estate Purchase Agreement (WB-11) can be found here https://dsps.wi.gov/Pages/BoardsCouncils/RealEstate/ContractualForms/Forms.aspx Helpful Links: Home Value Estimator From Penny Mac Title & Escrow Fees Estimator First American Title Directory   For Sale By Owner Websites: My Home, My Sale Create a Listing Zillow For Sale By Owner For Sale By Owner Website FSBO.com ByOwner.com   Other Helpful Links: Yard Signs For Sale By Owner Facebook Group Real Estate Market Place Premium FSBO Marketing Services Related Videos Seller Assist with a Twist: Buyer Agent Commission Deductions Explained Missed Closing Date? Here's What Happens Next!

( Helpful Links ) A recent Reddit post shared by a Wisconsin seller highlights a situation where a seemingly secure deal went sour due to missing earnest money. Here, we'll learn about the legalities of earnest money in Wisconsin and address the seller's concerns about their listing agent's role in this scenario. The Scenario: The seller received and accepted a $140,000 offer with an escalation clause. The offer included a $10,000 earnest money deposit. A contractor walkthrough was arranged by the seller's agent after the offer was accepted. The buyer requested a price reduction after the walkthrough, which was denied. The seller later discovered the earnest money was never deposited in escrow. The seller pursued other options and closed on a different offer for $125,000. The seller is now considering suing the original buyer for the $10,000 earnest money. Wisconsin Earnest Money Laws: Wisconsin Administrative Code ATCP 134.05(2)(a)1. dictates that a landlord cannot accept an earnest money deposit from a tenant until the specific dwelling unit is identified for tenancy. However, for real estate purchases, there's no specific regulation mandating how soon earnest money must be deposited in escrow. However, the Purchase Agreement typically outlines the timeframe . The Purchase Agreement is Key: A standard Wisconsin Real Estate Purchase Agreement (WB-11) has a designated section for earnest money. This section details the amount, who holds the funds (escrow company or broker), and the conditions under which the earnest money can be refunded or withheld. In most cases, the earnest money needs to be deposited within a specific timeframe after a signed contract (usually within 3 business days). Listing Agent's Role and Potential Fault: Standard Practice:   In Wisconsin, it's customary for the listing agent to handle the earnest money and deposit it in an escrow account according to the Purchase Agreement. Potential Breach:   If the Purchase Agreement stipulated a timeframe for depositing the earnest money, and the listing agent failed to follow through, it could be considered a breach of their fiduciary duty to the seller. Page 2 of Wisconsin Real Estate Purchase Agreement Addressing the Seller's Questions: What are the real estate laws regarding earnest money in Wisconsin? As mentioned earlier, there's no state law mandating a specific timeframe for depositing earnest money in escrow. The Purchase Agreement dictates the terms. What did the Purchase Agreement say in regards to Earnest Money? This is crucial information. Reviewing the Purchase Agreement will reveal the specific terms regarding earnest money deposit amount, timeframe, and disbursement conditions. Is the listing agent at fault here? Potentially. If the Purchase Agreement outlined a timeframe for depositing the earnest money and the listing agent didn't follow through, they could be held liable. Why wasn't the earnest money deposited? Unfortunately, without more details, it's impossible to determine definitively. Communication breakdowns or negligence on the part of the buyer's agent or the seller's listing agent could be factors. Recommendation: The seller should consult with a real estate attorney experienced in Wisconsin law. The attorney can review the Purchase Agreement, assess the situation, and advise on the best course of action, including: Suing the Buyer for Earnest Money:   Even if successful, collecting the judgment might be challenging. Pursuing Action Against the Listing Agent:   If the agent breached their fiduciary duty by not securing the earnest money deposit according to the Purchase Agreement, legal action might be an option. At My Home My Sale, we connect you with experienced real estate professionals who understand the importance of clear communication and adhering to the Purchase Agreement.   A well-defined contract and a competent agent can help minimize the risk of such situations arising. Disclaimer:  This article is intended for informational purposes only and should not be construed as legal advice. For specific guidance on your situation, consult with a qualified real estate attorney in Wisconsin. Note:   A sample Wisconsin Real Estate Purchase Agreement (WB-11) can be found here https://dsps.wi.gov/Pages/BoardsCouncils/RealEstate/ContractualForms/Forms.aspx Helpful Links: Home Value Estimator From Penny Mac Title & Escrow Fees Estimator First American Title Directory   For Sale By Owner Websites: My Home, My Sale Create a Listing Zillow For Sale By Owner For Sale By Owner Website FSBO.com ByOwner.com   Other Helpful Links: Yard Signs For Sale By Owner Facebook Group Real Estate Market Place Premium FSBO Marketing Services

( Homeowners Corner ) At My Home My Sale, we understand the complexities of real estate transactions, and sometimes situations arise that can be confusing. A recent Reddit post sparked a discussion about "seller assist" with a unique twist – the buyer's agent offering to deduct the seller assist amount from their own commission. Let's delve into this scenario and answer some key questions. The Scenario: You're selling your home and receive an offer with a request for $4,000 in seller assist to help cover closing costs. The twist? The buyer's agent clarifies that the seller won't be responsible for this amount; it will be deducted from their commission. Is This Common Practice? While not as common as traditional seller concessions, buyer agents offering to reduce their commission to contribute towards seller assist is a possibility.  However, it's important to understand the implications: Impact on Buyer Representation:    A reduced commission might incentivize the buyer's agent to prioritize a quicker sale over a deal that maximizes the buyer's interests. Open communication and a clear understanding of expectations are crucial. Transparency is Key:   Both the buyer and seller should be aware of this arrangement and agree to it in writing. Handling it on the HUD-1 Settlement Statement: The HUD-1 settlement statement, also known as a Closing Disclosure, is a detailed breakdown of all closing costs associated with the real estate transaction.  In this scenario: Seller Concession Line:   The $4,000 seller assist would typically be reflected here as a credit to the buyer. Buyer Broker Commission Line:   The buyer's agent's commission would be listed with the deduction of the $4,000 seller assist contribution. Will the Lender Approve? Generally, lenders don't have objections to seller assist as long as it's documented and legitimate. However, they might require additional documentation depending on their specific guidelines. What Should the Addendum Say? The addendum to the contract should clearly state the following: The seller agrees to provide a seller assist of $4,000 towards the buyer's closing costs. The buyer's agent agrees to deduct this amount from their commission. Both parties acknowledge and agree to this arrangement. The Final Word: While this approach to seller assist is less common, it's not unheard of. The key is to ensure clear communication and have all agreements documented in writing. As a seller, it's crucial to weigh the benefits of the reduced closing costs against the potential impact on the buyer's representation. At My Home My Sale, we can connect you with experienced real estate professionals who can guide you through the complexities of the selling process.   We can help you navigate seller assist options, ensure transparency in all transactions, and achieve a successful sale. Agent Feedback Wanted! We value the insights of experienced real estate agents. Have you encountered situations like this " seller assist with commission deduction "? Share your feedback and any additional considerations for our readers in the comments below! * Disclaimer:  This article is intended for informational purposes only and should not be construed as legal or financial advice.  For specific guidance on your situation, consult with a qualified real estate professional and/or attorney.

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( Home Organization ) Selling your home? Stage it like a pro without breaking the bank! This video offers DIY tips for stunning home staging on a budget. 1. Declutter and Depersonalize: Clear the Clutter:   First impressions matter! Pack away unnecessary personal items, excess furniture, and knick-knacks. Aim for clean surfaces and a spacious feel. Depersonalize:   Buyers want to envision themselves living in the space. Remove family photos, religious items, and collections that might not appeal to everyone. Large Collapsible Storage Bins with Lids, Organization Bins for Closet Storage, Clothes Storage, Folding Storage Box with Lids for Home Office Storage - 5 Pack Shop > 2. Deep Clean and Refresh: Sparkle and Shine:   Give your home a thorough cleaning. Wash windows, vacuum carpets, scrub floors, and ensure bathrooms and kitchens are spotless. Refresh with Paint (Optional):   A fresh coat of neutral paint in light colors can brighten up a space and create a more inviting atmosphere. (Tip: Consider a light gray or beige) Multipurpose Cleaning Kit Value Pack with Formula 409 Multi-Surface Cleaner - Lemon Fresh, WINDEX Original Glass Cleaner & More Shop >>> 3. Stage Furniture for Flow and Function: Arrange for Purpose:  Organize furniture to create designated areas for living, dining, and sleeping. Leave ample walking space between furniture pieces. Highlight Key Features:  Use furniture placement to draw attention to architectural details like fireplaces or large windows. 4. Enhance Light and Ambiance: Harness Natural Light:   Open curtains and blinds to let in natural light, making the space feel larger and more welcoming. Warm Up with Lighting:   Use lamps and accent lighting to create a warm and inviting atmosphere. Consider floor lamps in corners and soft lighting in dining areas. 24 Pack A19 LED Light Bulb Shop >> 5. Add Simple Touches for Appeal: Fresh Greenery:   Bring in a few potted plants to add a touch of life and color. Opt for low-maintenance varieties. Neutral Accents:   Decorate with throw pillows, blankets, or vases in neutral tones to enhance the space without overwhelming the buyer's vision. These tips are budget-friendly and can be implemented by anyone to create a more appealing and marketable space. -My Home, My Sale

( Videos ) Missed Your Real Estate Closing Date? Don't Panic! Here's What Happens Next. So, you missed your real estate closing date. Take a deep breath! While it's not ideal, it's not necessarily the end of the deal. Here's a breakdown of what might happen next and some steps you can take to get back on track. Understanding the Consequences: Breach of Contract:  Missing the closing date is a breach of your purchase agreement. This could lead to the seller potentially suing you for damages or even terminating the contract. Financial Penalties:  Liquidated damages clauses in the contract might result in you forfeiting some earnest money you deposited. Delayed Closing:  If both parties are willing, you can renegotiate a new closing date.  This might involve additional costs depending on the reason for the delay and any lender terms. Taking Action: Communication is Key:  Immediately communicate with your realtor and the seller's agent. Explain the reason for the delay and be transparent about your next steps. Determine the Cause:  Identify the reason for missing the closing date.  Was it a financing issue, appraisal delays, or unforeseen circumstances? Negotiate a Solution:  Work with your realtor to negotiate a solution with the seller. This might involve a new closing date, adjustments to the purchase price, or covering any additional expenses incurred by the seller. Seeking Professional Help: Consult Your Real Estate Agent: Your realtor is your best resource in navigating this situation. They can help you understand your options and communicate effectively with the seller's agent. Legal Counsel:  In complex situations, consider consulting a real estate attorney for guidance on your rights and obligations under the purchase agreement. Missing a closing date can be stressful, but don't lose hope! By staying calm, communicating clearly, and taking proactive steps, you might still be able to salvage the deal. -Anna Kay Ad: Fullstar All-in-1 Vegetable Chopper, Mandoline Slicer & Cheese Grater - French Fry Cutter & Veggie Dicer - Includes Bonus Handheld Spiralizer Add to Cart

[ Video ] Condo For Sale, Charlotte, NC, For Sale By Owner in  North Carolina Properties Near South Park and Quail Hollow, in The Gates at Quail Hollow. Price: $329,000 2 Bedroom 2 1/2 Bath 1,185 Sqft Two Stories Den with vaulted ceiling and fireplace, dining room, kitchen with pantry, single car garage (attached), plantation shutters throughout and private patio.  Home Inspection already completed, and also an Appraisal, worthy of bank review, supports this asking price! Serious Inquires Only! RSVP Owner: 980-525-0782 "Tell them you found it on My Home, My Sale" Hey, South Charlotte house hunters! Looking for a stylish and convenient condo? Look no further! A long time resident local family is now selling. They are hoping for a person or family to make this a new home! Their beautiful 2-bedroom, 2 and a half bath condo is in the highly sought-after community of The Gates at Quail Hollow. It’s perfectly situated minutes from SouthPark and mere feet from Quail Hollow, putting you close for schools, your work, church, amazing shopping, dining, 485 and of course your many entertainment options. Step inside and be greeted by a spacious den with vaulted ceiling and a cozy fireplace – perfect for relaxing evenings. The open floor plan seamlessly connects the den to a formal dining area, ideal for quiet dinners or time with friends. The kitchen boasts ample counter space and a pantry, making meal prep a breeze. And after a long day, unwind a bit on your private patio – plant some flowers or build an oasis. Two of the best things – a home inspection has already been completed, saving you time and money and also an Appraisal, worthy of bank review, supports this asking price. This condo won't last long! If you're a serious buyer looking for a move-in-ready gem in a fantastic location, contact me directly at 980-525-0782. Create a FREE Listing

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( Condo Eligibility Check ) Condos can be an attractive choice for a variety of reasons, including affordability, convenience, and a sense of community. However, compared to single-family homes, the buying or selling process for a condo requires extra due diligence . Financing a condo hinges on meeting the specific requirements of loan providers like Fannie Mae , Freddie Mac, and the FHA . Let's dive deeper and learn about some key aspects that can make or break your condo deal. Fannie Mae, Freddie Mac, and FHA: Condo Eligibility These financing giants establish guidelines for condo projects to qualify for their loans.   Here's a breakdown of some key areas they scrutinize: Occupancy Ratio: This refers to the percentage of units owner-occupied versus rented. Fannie Mae and Freddie Mac typically require at least 50% owner occupancy, while FHA can go as low as 60% owner occupancy depending on the project's history. HOA Reserves:  Condo associations need healthy reserves to handle unexpected repairs or maintenance needs. Lenders have minimum reserve requirements, ensuring the building's long-term financial stability. Delinquency Rates:   The percentage of condo owners behind on HOA fees can impact financing approval.  High delinquency rates indicate potential financial instability within the association.  Fannie Mae and Freddie Mac typically allow for a delinquency rate of less than 15%, while FHA might have stricter limits. The Condo Association's Financial Strength: Your Condo's Lifeline A healthy condo association translates to a secure living environment and a smoother financing process.   Here's how to assess its financial health: Review the Condo Documents:  Request and meticulously review the association's financial statements, reserve study, and operating budget. These documents will reveal the association's financial health and any potential upcoming assessments for condo owners. Scrutinize the Reserve Study: This document analyzes the building's physical condition and estimates future repair and replacement costs.  An adequate reserve fund ensures the association can handle these anticipated expenses without special assessments on homeowners. Check out this recent Reddit Post HOA Fees: Demystifying the Monthly Dues HOA fees are a monthly expense that covers various condominium community costs. Understanding what they include helps you determine if the cost aligns with the value you receive. What HOA Fees Typically Cover: Common Area Maintenance: Upkeep of hallways, elevators, lobbies, landscaping, and grounds. Building Amenities:  Maintenance and operation of amenities like pools, gyms, community centers, etc. Exterior Building Insurance:  Master insurance policy covering the building structure and common areas. Utilities:  In some cases, HOA fees might cover utilities like water, trash removal, or even basic cable TV. What HOA Fees Typically Don't Cover: Interior Maintenance & Repairs:  Repairs within your individual condo unit, like appliances, plumbing fixtures, or flooring, are typically your responsibility. Flood or Earthquake Insurance:  Depending on your location and the condo association's master policy, you might need separate flood or earthquake insurance for your condo's interior. Individual Utilities:  Unless explicitly mentioned, HOA fees likely don't cover utilities like electricity, gas, or internet within your unit. Beyond HOA Coverage: Individual Condo Insurance Yes, even with an HOA master policy, you'll likely need to obtain a separate condo insurance policy.   This policy typically covers: Building Improvements & Fixtures:  Fixtures and improvements you've made inside your condo unit, like cabinets or countertops. Personal Belongings: Your furniture, electronics, and other personal belongings in case of theft, fire, or other covered perils. Personal Liability Protection: Coverage if someone gets injured in your condo and sues you. ***Resources for Condo Buyers and Sellers: Fannie Mae Condo Eligibility Guidelines: https://selling-guide.fanniemae.com/sel/b4-2.1-01/general-information-project-standards Condominium Project Questionnaire (Form 1076): https://singlefamily.fanniemae.com/media/15656/display FHA Condo Approval Requirements: https://www.hud.gov/program_offices/housing/sfh/ins/sfh_ins_condominiums Search For FHA Approved Condos: https://entp.hud.gov/idapp/html/condlook.cfm U-Haul Moving Kit 21 Boxes, Dish Packing Kit, Foam Pouches, Tape, Mattress Bag, TV Cover, & Supplies By understanding Fannie Mae, Freddie Mac, and FHA condo requirements, along with HOA financials and insurance coverage, you'll be well-equipped to navigate the condo buying or selling process with confidence. Remember, proactive research and due diligence can prevent last-minute surprises and ensure a smooth condo transaction.

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(Videos) While leveraging your home equity can be a powerful financial tool, remember it's not free money.  There are costs associated with both borrowing and selling.  So, carefully evaluate your options and weigh the long-term impact on your financial goals before tapping into your home equity. Related Videos: Home Equity: Not What You Think! Hidden Truths Revealed The Homeownership Reality, Where's Your Equity? Helpful Links: Home Value Estimator From Penny Mac Title & Escrow Fees Estimator First American Title Directory For Sale By Owner Websites: My Home, My Sale Create a Listing Zillow For Sale By Owner For Sale By Owner Website FSBO.com ByOwner.com Other Helpful Links: Yard Signs For Sale By Owner Facebook Group Real Estate Market Place Premium FSBO Marketing Services