What Does The Closing Process Involve When I Sell?


This article is for sellers to help them prepare to sell their home. Aside from curb appeal, and nice home features, and cosmetic items which create an emotional response and lure to prospective buyers, probably the key aspect of selling a home is the condition of the property. Does the roof leak? Are there items which require repair?

As this video explains, a signed sales contract doesn’t mean your house is sold … YET!

There are still financial, contractual and legal steps for both sides.

The buyer has to get financing to meet the contract terms – which includes credit checks.

And most importantly for the seller, the property is inspected and appraised.

There may be inspection items, painting, repairs and replacements which the buyer will request, and this can take time to negotiate.

Your attorney and Realtor can walk you through your legal obligations, and assist you with the process of negotiating these items.

It’s most important to remember that the law prohibits fraudulent concealment of known defects to property. The disclosure requirements will vary, and some sellers insist on selling property in “As Is” condition, thus minimizing repairs. Still. honesty is always the best policy when selling your home.

Seaview Title … Closings Made Easy!

How Should I Prepare The Inside For An Open House?


For many homes and markets, professional help from someone in “staging” makes good financial sense.  Like this video say, check your staging options first.
If you are doing it yourself, here are 5 key tips.

One – Depersonalize.

You want the buyer to envision this house being their home?

Remove the things that make it YOUR home – photos, awards, collections, and STUFF.

Two – MOVE the stuff.

It’s tempting to shove things in closets and attics but your prospective buyer will see a much smaller house if those spaces are full.

Move it to a storage space or a friend’s garage.

Three – Warm it up.

Baking bread or cookies

adding fresh flowers

and colorful pillows and throws

are touches used by professional stagers to make a place warm without your stuff.

Four – Light it up!

Light sells homes.

Clean windows, inside and out.

Light bulbs all working and curtains open or even gone.

Five – Go Away.

Don’t hover – leave.

Pack for a day trip and have your realtor tell you when to return

Buyers won’t envision themselves buying if you’re around.

Depersonalize and move stuff out;

Warm it up and light it up.

Then leave and let your realtor do their job.

Allow your prospective purchaser to envision making your property their home!

Seaview Title … Closings Made Easy!

How Do I Make A Home Ready To Sell?


As we show you in this video, start several months before the property is made available. Look through the eyes of a buyer

  • What needs to be cleaned?
  • Repainted?
  • Repaired?
  • Or tossed?

Ask yourself – or a friend If you were buying this house what would you want to see?

The goal is to show a home that looks good makes the most of its assets like space and location and attracts as many buyers and as much demand as possible.

Allow yourself enough lead time – not just a day or two – to make the most of the sale. And get help from a real estate agent – early.

What Is The Debt-To-Income Ratio (DTI)?


Measuring your existing debts against your existing income is one part of a lender’s required assessment of your ability to repay a loan.

Like the video says:  debts are existing financial commitments; a car payment is a debt a grocery bill is not.

To calculate your debt-to-income ratio add up your monthly debt payments and divide them by your GROSS monthly income. (Gross income is generally the amount of money you earn BEFORE taxes and other deductions.) The Federally-established debt-to-income target is a maximum of 43% for Qualified Mortgages.

If your ratio is higher there may be other loans available  – however, there may also be additional questions to establish your ability to repay, and the rates may be different than those available for Qualified Mortgages.

Studies suggest that a high debt-to-income ratio puts a homeowner at greater risk of challenges making monthly payments. So consider your situation and risks carefully before exceeding that suggested ratio.

At Seaview Title, we wish you happy shopping for your mortgage. Please call us if we can assist you in finding a good mortgage company you can trust.

How Do I Set The Price On My House?


The aim of this video is to help you get the best price AND terms in your market during the period you’re selling.

Market conditions, interest rates, and competition all matter.

The price you want, and the price a buyer will pay are framed by those complex conditions So pricing isn’t completely predictable.

Other factors include:

  • How your home compares to other homes for the same buyers
  • The inventory of homes and the level of buyer demand

Your needs also affect negotiations – for example, if you must sell quickly – but the final price will be determined by the market not by your needs.

Buyers look at the same comparables and market conditions and they want to pay as little as possible while meeting their needs.

Remember that the price isn’t the entire deal – repairs, closing, points, appliances and other factors can all change the value you finally receive. Listen to your broker, stay informed, be patient if you can and make your best reasonable, unemotional decisions.

We at Seaview Title wish you all the best on the sale of your home.

Remember, through our affiliated law firm we can handle your side of the sales transaction as a seller— from contract preparation through closing. As well, if you are selling without a Realtor, we can assist you with your contract and negotiations.

Also, sellers keep in mind at the beginning, it may be advantageous for you to offer to pay the buyer’s title insurance, and have them pay the transfer tax. It’s cheaper for you to do so, and you would get to choose the Closing Agent.

Call us and we can walk you and your Realtor through the process of negotiating this, and other terms in any counter-offer.

Seaview Title … Closings Made Easy!



If you’re just starting to look for a new home, or have found a property, but you’re not sure what steps to take to make an offer, we highly recommend that you contact a real estate agent in your area who is familiar with the neighborhood.

At Seaview Title, we work with hundreds of top agents and would be happy to assist you by making a recommendation.

Having a real estate agent work for you will cost you nothing as a homebuyer — but the cost of not having a licensed and experienced agent cannot be overstated.  There’s simply nothing better than knowing that the price you are willing to pay, and the home you wish to purchase are very sound decisions— and your agent will help you with this, and so much more.

A state license is required to sell real estate. But roughly half of those licensed take the additional step of becoming a REALTOR®.

As we show you in this video, only members of the National Association of Realtors – NAR – are entitled to use that registered trademark and call themselves a REALTOR®.

As members, they adhere to a strict Code of Ethics and have access to classes, seminars and certification. Their aim is to be experts in their community aware of real estate trends and local and neighborhood issues. They apply that expertise to help buyers and sellers succeed.

You can find a certified REALTOR® by looking in local sources asking around or searching here.

Once you’ve found the right agent to work with, we hope you will write our names into your contract to act as your Closing Agent.

As Seaview Title, we pride ourselves on “Closings Made Easy!”

20 Themes for An Email Campaign


Feb. 26, 2016

From BreakthroughBroker.com

Have you ever stopped to ask yourself:

“If I were one of my clients and I received and email from me, would I open that email?”

Is the information you send worthy of opening?

As an agent it is important to think about how you can make your online marketing efforts stand out. It’s fair to assume that your contacts will get bored of your emails if all you do is promote a listing or service. There has to be another component to your email campaign that will make the receiver want to open it and engage in your content.

One way you could add value to your email marketing would be to choose a theme for one of your campaigns and stick with it every time you send that email campaign. For example, each month you could send articles about trendy décor ideas. You don’t have to write the articles however, you should write original text in the email and link the article to that text.

By sticking to a theme that offers value to your contacts, they will begin to look forward to your emails thus – keeping you top of mind. Here are 20 possible email themes:

  1. List local events
  2. Offer a discount to your favorite vendors (if they approve)
  3. New technology products, specifically ones for a home
  4. First time home buyer information
  5. Home remolding projects
  6. Gardening tips
  7. Local sport team’s schedules
  8. Home décor and interior design ideas
  9. Pet’s up for adoption
  10. Highlight local businesses
  11. Food and drink recipes
  12. History about monumental buildings, hotels, properties, etc. within your city/community
  13. Inexpensive home updates
  14. Highlight local charities
  15. Recipes for home remedies
  16. Organizational tips
  17. DIY’s projects for all areas of the home
  18. Energy saving tips
  19. List local activities happening that month
  20. Community garage sales, estate sales

And here’s a bonus idea … why not offer film reviews of new movies, and plan a get-together at the theater for the first 10 who show up!

If you love these ideas but don’t have time to build your own email campaign, check out BreakthroughBroker.com and their special program On Demand Marketing where they build and manage campaigns for you with pre-written stories covering the topics above!

Tips on Asking for Referrals

From BreakthroughBroker.com

    successful business plan

Asking for referrals at any phase of your real estate career can be daunting. Although this is true, giving and getting referrals is arguably the best way to make more money and grow your book of business.

When preparing to ask for a referral it is important to clear any fears or pre-convinced notions you might have about the response. The saying, “The worst thing they can say is no,” will only slightly apply here because most likely you will not hear “No.” Next, you must know how you will approach the topic. Simply calling and asking, or using the canned term “Do you know anyone who could use my service?”, may not be your best bet. Instead, be strategic of when and how you will ask.

In addition to the above, here are five things you should implement into your referral strategy to ease the process and earn more committed referral sources.

  • Ask for an Introduction. Instead of requesting contact information, consider asking your referral source for an in person introduction to one of their friends/colleges. This creates a setting in which conversations will flow much easier due to the fact that you and the referral both have relationships with the source. A good way to approach this would be to take your source to coffee and ask that they bring your desired referral type.
  • Don’t treat referrals like cold calls. Asking for referrals should be strategic, not over the phone on an afternoon where you feel like you have exhausted all of your other lead sources. Ideally, you will want to ask your sources for referrals by mentioning it in a conversation that is not about referrals. It is fair to assume that you will get a much better response if you call with a purpose other than needing something.
  • Make it a habit. In addition to using the saying “A referral is the best compliment I can receive” in your email signature, make it a part of your daily conversations. A great way to develop this habit is to start evaluating your current conversations with clients and vendors. Note where you could have mentioned receiving a referral. The next time you have a similar conversation, slide the topic into the discussion.
  • Give and you shall receive. As an agent you have many opportunities to receive referrals, from carpet cleaners to past clients. If you would like to receive more referrals, start giving more. Ask the small businesses and vendors you work with if they would like you to refer them, as well as the best way for you to do that for them. This will let them know you take your referrals both received and provided seriously.
  • Change your vocabulary. Lastly consider replacing the word referral with the word recommend. For some people giving a “referral” can be scary and they may have a negative association with the very word itself.