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Can you negociate the best deal when buying a house?

"Buyers always have the advantage." Dan Simmons

When you go to buy a house, you're certainly hoping to get the best price and terms. To do that, you need to know when to start negotiating and when to stop. That begins with being familiar with the market, down to the neighborhood and maybe even the street. Here you have some things the buyers need to know to negociate the best deal in their favor.

When you make an offer, know the recent comparable sales; it's the best bargaining tool. Then make an offer about $10,000 under what the last one sold. Sellers know what the last one sold for. You want them to at least look at your offer.

Multiple Listing Service (MLS) properties usually state what the seller owes. If not, your agent should be able to track down the figures. There's a big difference in negotiating with an owner who owes more than the house is worth and one who has a lot of built-up equity.

Base your offer on the home value, not the list price. The recent sales in the neighborhood give you and your agent ammunition and information. If a home is priced at or below market value, you're unlikely to get it for less. If it is priced above market value and has been on the market for a while, a lower offer accompanied by a market analysis may get you the home. This is where a good agent can be invaluable.

In a tighter market, it's not too much to ask the seller to add the closing costs to the price of the house. It's better to put 20 percent down and add the closing costs to the loan than put 15 percent down and pay the costs upfront.

Next Mortgage Foreclosures

"Over $200 Billion in home equity lines of credit will have their 10-year anniversary over the next 4 years."

Between the end of 2003 and the end of 2007, outstanding debt on banks home equity lines of credit jumped by 77 percent, to $611 billion from $346 billion, according to data provided by FDIC, and while not every loan requires borrowers to start repaying principal after ten years, most do. These loans were attractive to banks during the housing boom, in part because lenders thought they could rely on the collateral value of the home to keep rising.

This scenario will be increasingly common in the coming years: in 2014, borrowers on $29 billion of these loans at the biggest banks will see their monthly payment jump, followed by $53 billion in 2015, $66 billion in 2016, and $73 billion in 2017.

Find the Perfect Neighborhood

"All You Need to Know About Finding and Moving to the Best Neighborhood."

Choosing the neighborhood is an important part of finding a home. Your best bet is to figure out if your neighborhood is a good fit with your family before you start looking for a home there.

Then you must have in mind some real important aspects: What types of people live there? Is it a safe place to live? Are there schools nearby? How long will it take to get to work? What are the property values like? Is it quiet or noisy? Answering all these questions will give you a full view of the neighborhood.

Finding a neighborhood you like is just as important as living in a home you love. Good neighbors, great amenities, nice schools and cool shops can make or break how you feel about your house or condo.

Welcome Welcome $1820 Real Estate » Short Term & Sublets Pocatello, Idaho

Comfortable condo in downtown Comfortable condo in downtown $1600 Real Estate » Short Term & Sublets Chelsea, Massachusetts

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Two bedroom furnished Two bedroom furnished $1600 Real Estate » Short Term & Sublets Santa Monica, California

Your home while you are in New Orleans Your home while you are in New Orleans $1700 Real Estate » Short Term & Sublets New Orleans, Louisiana

Welcome Welcome $3000 Real Estate » Short Term & Sublets Modesto, California

Gated community with access to a gym and pool Gated community with access to a gym and pool $2400 Real Estate » Short Term & Sublets Redondo Beach, California

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Non-smoking unit with no pets allowed Non-smoking unit with no pets allowed $3080 Real Estate » Short Term & Sublets Manchester, New Hampshire

An excellent home away from home An excellent home away from home $1120 Real Estate » Short Term & Sublets Salina, Kansas