Loudell Insley - Salisbury MD Real Estate Agent and Homes for Sale

Salisbury Maryland Homes and Real Estate

 
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Changes Are Making Home Buying Easier!

December 19, 2014 by Loudell Insley

home buying

There are some nice changes either about to happen or have already been implemented in the residential housing market. Yeah!

NAR, the National Association of Realtors, reports that stricter credit score limits, large down payments and even heavy paperwork requirements may ease.  In fact some of those changes have already begun to show up.

Credit scores for conventional financing can now go as low as 620.  And even the down payments for conventional loans can be as low as 5% and, in some cases, 3%.  Wow!  And what about the paperwork? Well let’s not get carried away . . . but that is going to ease up some also.

What does that mean?  Well, for starters it means there will be more qualified buyers in the market for homes.

And with those projected 1.2 million additional home loans per year, buyers will eat up our already thinning inventory of available homes.

And that’s when that wonderful phrase “supply and demand” kicks in, which starts pushing the price of homes up.

And that, in turn, will bring more houses on the market at a little bit higher price.

And that will create urgency among the buyers (which is always good).   So –

Merry Christmas, Happy New Year and all good things to everyone!

Life is good and getting better!

loudell

Filed Under: From the Blog Tagged With: real estate market, real estate news

Beverly Carter Murdered

October 7, 2014 by Loudell Insley

Pulaski County Sheriff's Office

Pulaski County Sheriff’s Office

Most customers probably do not know who Beverly Carter is, or was. She is the latest casualty in the real estate business. She was murdered by a customer she was showing a house to. She wasn’t at a wild party, or walking down a dark street or friendly with the wrong person. She was answering a call from a stranger to show him a vacant house.

Unlike other businesses, Realtors put their photos in the paper, say they will be at an open house (alone) and even give the address, they advertise their phone numbers, take strangers into their cars and drive them into the country, they meet people at their homes in the evening (after the children are down) and then drive home alone in the late evening. They are moving targets for rapists, thieves and murderers. We are either very brave or foolish.

When I show a home to a customer, even to friends and relatives, I have them walk into a room or walk upstairs ahead of me. The gentlemen often step aside and say, “After you.” But I insist they go ahead of me and offer some excuse such as I’m slow climbing stairs. What I am doing is drilling into my memory bank that I must never walk ahead of a customer, turn my back on him, in case he might attack me. I do it with my friends and relatives, not because I fear them, but to reinforce my safety instincts so I won’t forget them at a crucial time.

Every day people call Realtors and ask to see a home. Maybe it is closer to your house than to her office and when she tentatively asks you to meet her in her office, you point out that it is much more convenient for you to just meet her at the house. Do you ever think to suggest that, since she doesn’t know you, meeting at a public place not far from the property you wish to see? Offer her the security of first being seen in public with her before she takes you into an unoccupied home? What if she were your wife or sister meeting a stranger . . . in the country . . . where cell phone reception is iffy . . . and the property is somewhat isolated? When you offer an agent that courtesy and security, it makes it easier for her to insist upon it with another person – who might or might not have mischief on his mind. It is a simple little thing to offer a woman Realtor, but by reinforcing safety it becomes a habit that might save her life someday.

Life is good and getting better!

loudell

Filed Under: From the Blog Tagged With: real estate news

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Loudell Insley Long & Foster Salisbury Maryland "I’ve always said ‘life is better in Salisbury.’ Why? Its residents truly care about the area and get involved to make it a great community. It’s a privilege for me to use my knowledge and experience to help people make the best decisions when it comes to their homes here.” [Read More...]

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