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- The Local Real Estate Market
- The article is about the market study survey that states, after the national recession of 1990-91, California real estate experienced a five-year downturn from 1992 through 1996. The depressed real estate market lasted through 1997 in Mendocino County, roughly a year longer than in the state as a whole. In...
- White papers
- Income Property, Part I
- Buying income property is different than buying a house. Home buyers make a lot of personal choices about the floor plan, the neighborhood, the school district and even the color of the carpets. But if the house goes up in value over the years, that's a bonus. It's a comprehensive...
- White papers 2003-01-01
- Real Estate Loans
- The article provides a brief discussion of real estate loans, with a list of the most common types of loans in use today. A real estate loan is based on a mathematical formula, which is easy to run on a financial calculator, but too complicated to figure out on paper,...
- White papers 2002-01-01
- Estimating Land Value
- Improvements are any man-made objects that are permanently attached to the land, such as buildings. Anything that isn't permanently attached is personal rather than "real" property. Personal property can include furniture, fixtures, commercial equipment, appliances and even entire manufactured homes, which are not installed on a permanent foundation. Land value...
- White papers 2003-01-01
- Estimating Real Estate Value
- Article explains that there are many types of real estate value definitions, but the most commonly used is "market value." Simply put, market value is the most probable price a willing buyer and seller will agree upon in an open market, each being well-informed and under no undue pressure. The...
- White papers 2003-01-01
- Private Mortgage Insurance
- One of the hottest consumer issues of the late 1990s has been the overpayment of private mortgage insurance PMI by thousands of unsuspecting homeowners. The new federal law provides for the automatic cancellation of PMI for loans. It also requires loan services to send annual disclosures to all mortgage borrowers...
- White papers 2003-01-01
- When Do I Need an Appraiser?
- An appraisal is nothing more than an opinion of value, and anyone can have an opinion. Appraisers include people who estimate business value, personal property value and real estate value, as well as those who offer consulting services in these areas. To become licensed, an appraiser must take a series...
- White papers 2003-01-01
- Ethics and the Appraiser
- The article is about the ethics and the appraiser. It explains the responsibility of appraisers that they must perform their assignments with impartiality, objectivity, and independence, and without accommodating any personal interests. It discusses the significant event in the history of the appraisal profession that has been the development of...
- White papers 2003-01-01
- Working with a Buyer's Agent
- Buyer broker contracts are relatively new on the real estate scene. Unlike traditional agents who sign a listing contract with the seller, the buyer's agent signs a contract with the buyer. Some agents call this "listing the buyer." The real estate industry resisted the idea of buyer agency at first,...
- White papers 2003-01-01
- Measuring Houses and Counting Rooms
- This is the age of the consumer. Homebuyers are demanding more and better information when they shop for houses. The State of California has responded to this demand by passing a number of new laws, which require more real estate disclosures. The total floor area of a house is one...
- White papers 2003-01-01
- The Cost Approach
- The cost approach is one of the three standard methods appraisers use to estimate value. The other two are the income approach and the sales comparison approach. The income approach is used mainly for commercial and residential income properties where value is strongly related to rents. Understanding the cost approach...
- White papers 2003-01-01
- What is a View Worth?
- People have a powerful emotional response to views. It could be our territorial imperative, the need to control and defend the land around us. Or it could be that primal instinct which led our early ancestors to walk upright so they could scan the African plain for predators. Everyone has...
- White papers 2003-01-01
- Real Estate Disclosures And Expert Reports
- Some of the old-timers remember when real estate contracts were written on one page. There were no mandatory disclosures because the traditional approach to real estate was caveat emptor let the buyer beware. The current residential purchase agreement is now 11 pages long and the trend is clearly in favor...
- White papers 2003-01-01
- Factory Built Housing
- The concept of factory-built housing isn't new. Today, even conventional site-built homes are using an increasing amount of factory-assembled components. Roof and floor trusses, pre-hung doors and windows, modular cabinets and fiberglass bath and shower units are standard prefab items. Because factory-built houses are built all or partly within factory...
- White papers 2003-01-01
- Adding Value to Real Estate
- Whether planning to sell, buy or re-model, it's important to understand what makes real estate values go up and down. The article provides a summary of the basic forces which influence the value of real estate. Some of these forces include: the local real estate market, land value, convert personal...
- White papers 2003-01-01
- Excess Land
- The main focus of this article is upon the Excess land. It is unused land which is not needed to serve or support the primary highest and best use. It can be dividable or undividable, and can even have its own separat highest and best use, such as agriculture or...
- White papers 2003-01-01
- Income Property IV
- There are some rates and ratios, which can be useful in evaluating income property. But, like all statistics, they can be confusing and misleading if based on faulty information or used in the wrong way. Stock market investors use similar indicators, such as the price-to-earnings or P/E ratio. Analysts can...
- White papers 2003-01-01
- Income Property III
- The income approach, sometimes called the income capitalization approach, is a method of estimating value based on money one expects to receive in the future. This method works best for standard income properties that are fully rented and have been producing income for some time. These are sometimes called "stabilized"...
- White papers 2003-01-01
- The Mortgage
- Before the great depression of the 1930s, most real estate loans were straight loans. Borrowers paid the interest in a lump sum at the end of each year. It is no surprise that many people lost their homes and farms through foreclosure during these hard times. Real estate financing changed...
- White papers 2003-01-01
- The Neighborhood
- Neighborhoods make up the patchwork quilt of human settlement. They express the values and culture and define the way we live and work together. Like biotic communities in the natural world, they form the complex patterns that we make upon the land. Some neighborhoods began as planned developments or subdivisions...
- White papers 2003-01-01
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