author Chame-nos/Whatsapp: (11)98015-6999

Faixa de Preço: De até

Comparar Anúncios

Selecione uma das perguntas frequentes abaixo para saber mais sobre como comprar, vender e alugar imóveis. Além disso, comece a pensar em coisas importantes a considerar ao mergulhar em sua busca por imóveis.

FAQ-QuestõesFrequentes

Questões sobre Anúncios:

Inserir e Administrar seus Imóveis

  1. Registre-se no Localizador Imobiliário;
  2. Efetue o login;
  3. No canto direito, no alto da página, click no seu nome;
  4. Você verá abaixo dele: Meu Perfil, Meus Imóveis, Add novo imóvel, Imóvel Favorito, Pesquisas Salvas, Faturas (no caso de você adquirir um pacote para anunciar) e Sair;
  5. Na aba do Menu (+) você encontrará os ítens mais interessantes para o seu trabalho: FAQ´s Questões Frequentes, Solicitação de Visita ao Imóvel, Proposta de Negócio com Imóvel, Solicitação de Busca para Imóvel, Imóveis e Propriedades na Flórida – EUA;

Questões sobre venda:

Pode uma casa depreciar em valor?

Geralmente, a propriedade real nunca se desvaloriza em valor, ou mais, não é muito comum que a propriedade deprecie. É por isso que é um ótimo investimento. Certifique-se de considerar cuidadosamente a localização e a comunidade ao escolher uma casa, isso pode afetar muito o valor futuro das residências. Se você estiver em uma área recém-desenvolvida, faça algumas pesquisas sobre a construção das áreas circundantes que estão sendo desenvolvidas para determinar se elas podem afetar o valor de suas casas.

Uma casa antiga é tão boa quanto uma nova casa?

Esta é realmente apenas uma questão de preferência, mas ambas as casas mais novas e antigas oferecem vantagens distintas, dependendo do seu gosto e estilo de vida únicos. Casas mais antigas geralmente custam menos do que as novas casas, no entanto, há muitos casos em que novas casas também podem custar menos do que as casas mais antigas.

A maioria das novas casas não terá nenhum paisagismo de quintal e algumas não incluem qualquer paisagismo da frente também. Com uma casa mais antiga, o paisagismo normalmente já está concluído e pode ter 10 ‘s de milhares de dólares em paisagismo feito, que está incluído no preço de compra. Impostos sobre algumas casas mais antigas também podem ser menores. Algumas pessoas ficam encantadas com a elegância de uma casa mais antiga, mas evitam porque estão preocupadas com possíveis custos de manutenção.

Considere uma garantia para obter a paz de espírito que você merece. Um bom plano de garantia Home protege você contra reparos inesperados em muitos sistemas domésticos e eletrodomésticos por um ano ou mais após a mudança. Em uma nova casa, você pode escolher seus próprios esquemas de cores, pisos, armários de cozinha, eletrodomésticos, fiação personalizada para TV’s, elétrica, computadores, telefones e alto-falantes, etc., além de ter mais opções de atualização. Recursos modernos como salas de mídia, armários extragrandes e banheiros e banheiras extragrandes também são mais acessíveis na construção do térreo. Em uma casa usada, você depende em grande parte dos gostos e caprichos tecnológicos dos residentes anteriores, a menos que você pretenda cultivar milhares de dólares em reformas e religações.

Os designers de novas residências podem usar novos materiais de construção, como vitrines Energy Star, isolamento mais espesso e outras tecnologias que reduzirão os custos futuros de energia para o proprietário. A maioria dos estados tem agora requisitos mínimos de eficiência energética para novas construções. Cozinhas e áreas de lavanderia em novas residências são projetadas para abrigar eletrodomésticos mais eficientes.

Casas mais antigas, a menos que tenham sofrido um retrofit de energia, geralmente custam muito mais por metro quadrado ao ar-condicionado e ao calor. Construtores têm que seguir diretrizes muito rígidas em novas casas e adições, especialmente no oeste e noroeste, onde os padrões de segurança do terremoto devem ser observados. Em geral, as novas casas geralmente são mais seguras contra incêndios e acomodam melhor os novos sistemas de segurança e de porta de garagem. As casas mais antigas podem ser mais bem avaliadas pela sua qualidade e beleza intemporal.

Novos lares que agora possuem um verniz suave podem revelar o uso de materiais de construção abaixo do padrão ou de má qualidade ao longo do tempo. Como você pode ver, existem vantagens e desvantagens para cada um, mas isso se resume ao que mais combina com você e o que você está procurando em uma casa.

O que é um corretor principal (broker)?

Um agente autorizado a abrir e administrar sua própria agência. Todos os escritórios imobiliários têm um corretor principal.

Qual é a diferença entre ser pré-qualificado e pré-aprovado para um empréstimo?

Se você é pré-qualificado, significa que POTENCIALMENTE poderia obter um empréstimo para o valor informado, supondo que todas as informações fornecidas ao banco sejam precisas e verdadeiras. Isso não é tão forte quanto uma pré-aprovação.

Se você for pré-aprovado, isso significa que você passou por uma extensa verificação de antecedentes financeiros, que inclui consultar seu histórico de crédito, declarações de impostos anteriores e verificar seu vínculo empregatício – e o credor está disposto a lhe conceder um empréstimo. aprovado!

Normalmente será fornecido um número exato que mostra o valor máximo que está aprovado para você . A maioria dos vendedores prefere compradores que foram pré-aprovados porque sabem que não haverá problemas com a compra de sua casa.

O que é um seguro de título?

Seguro de título é um seguro que protege o credor e o comprador contra quaisquer perdas decorrentes de disputas sobre o título de uma propriedade.

Can I pay my own taxes and insurance?

When a loan is originated, the mortgage documents specify the escrow conditions. This has become a standard practice for all mortgages, including FHA, VA and conventional mortgages.  Occasionally on conventional loans, FRFCU waives the collection of escrow requirement at closing if the member has a minimum 20% equity position in the property.

How can I avoid private mortgage insurance?

The easiest way to avoid PMI is by putting 20% down payment; however, PMI can also be avoided if you only have 5% or 10% for the down payment. The way to accomplish this is via a first and second mortgage combination commonly referred to as 80/10/10^s or 80/15/5^s.

These two methods combine a first mortgage lien for 80% of the home price with a second mortgage lien for either 10% or 15% of the home price leaving the remaining 5% or 10% as the down payment. Because the first lien is at the magical 80% loan=to-value, there is no PMI required, even though a second mortgage is being |piggybacked| onto the financing thus allowing for the lessor down payment.

While the second lien terms are not as attractive as first lien rates, the second mortgage is still home mortgage interest and thus deductible as such on your federal tax return where PMI is insurance and offers no deduction.

How is interest calculated on a mortgage loan?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Is there a minimum credit score?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

What benefits do I receive from private mortgage insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

What do I do if I receive a tax statement?

Many tax authorities will mail an informational copy of the real estate tax statement to the homeowner in addition to the Credit Union.  However, there are some statements tax authorities do not forward to the credit union, and in special cases we will need your assistance in obtaining the bill. If you receive a statement for any of the following, please forward it to our office by mail or fax.

  • delinquent real estate taxes
  • supplemental or additional real estate taxes
  • special assessments
  • if the tax authority will not honor a bill request from another party.

How long does the loan process take?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Questões sobre locação:

How long does the loan process take?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

How can I avoid private mortgage insurance?

The easiest way to avoid PMI is by putting 20% down payment; however, PMI can also be avoided if you only have 5% or 10% for the down payment. The way to accomplish this is via a first and second mortgage combination commonly referred to as 80/10/10^s or 80/15/5^s.

These two methods combine a first mortgage lien for 80% of the home price with a second mortgage lien for either 10% or 15% of the home price leaving the remaining 5% or 10% as the down payment. Because the first lien is at the magical 80% loan=to-value, there is no PMI required, even though a second mortgage is being |piggybacked| onto the financing thus allowing for the lessor down payment.

While the second lien terms are not as attractive as first lien rates, the second mortgage is still home mortgage interest and thus deductible as such on your federal tax return where PMI is insurance and offers no deduction.

What do I do if I receive a tax statement?

Many tax authorities will mail an informational copy of the real estate tax statement to the homeowner in addition to the Credit Union.  However, there are some statements tax authorities do not forward to the credit union, and in special cases we will need your assistance in obtaining the bill. If you receive a statement for any of the following, please forward it to our office by mail or fax.

  • delinquent real estate taxes
  • supplemental or additional real estate taxes
  • special assessments
  • if the tax authority will not honor a bill request from another party.

What benefits do I receive from private mortgage insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

How is interest calculated on a mortgage loan?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Can a home depreciate in value?

Generally, real property never depreciates in value, or more so, it is not very common for property to depreciate.  This is why it’s a great investment. Make sure you carefully consider location and community when choosing a home, it can effect the homes future value greatly.

If you are in a newly developed area, do some research on the construction of the surrounding areas being developed to determine if they may effect your homes value.

Is an older home as good a value as a new home?

This is really just a matter of preference, but both newer and older homes offer distinct advantages, depending upon your unique taste and lifestyle.

Older homes can generally cost less than new homes, however, there are many cases where new homes can also cost less then older homes. Most new homes will not have any backyard landscaping and some don”t include any front landscaping either. With an older home, the landscaping is normally already completed and could have 10”s of thousands of dollars in landscaping done, which is included in the purchase price.

Taxes on some older homes may also be lower. Some people are charmed by the elegance of an older home but shy away because they”re concerned about potential maintenance costs. Consider a home warranty to get the peace of mind you deserve. A good Home Warranty plan protects you against unexpected repairs on many home systems and appliances for a full year or more after you move in.

In a new house, you can pick your own color schemes, flooring, kitchen cabinets, appliances, custom wiring for TV”s, electrical, computers, phones and speakers, etc., as well as have more upgrade options. Modern features like media rooms, extra-large closets and extra-large bathrooms and tubs are also more attainable in ground-up construction. In a used home, you rely largely on the previous resident”s tastes and technological whims, unless you plan to farm thousands into a remodeling and rewiring.

New-home designers can use new building materials such as glazed Energy Star windows, thicker insulation and other technology that will lower future energy costs for the owner. Most states now have minimum energy-efficiency requirements for new construction. Kitchens and laundry areas in new homes are designed to house more efficient energy-saving appliances. Older homes, unless they have undergone an energy retrofit, usually cost much more per square foot to air-condition and heat.

Builders have to follow very strict guidelines in new-homes and additions, especially in the West and Northwest, where earthquake safety standards must be observed. In general, new homes are usually more fire-safe and better accommodating of new security and garage-door systems.

Older homes can be better judged for their quality and timeless beauty. New homes that now possess a smooth veneer might reveal the use of substandard building materials or shoddy workmanship over time.

As you can see there are advantages and dis-advantages to each, but it really comes down to what fits you and what you are looking for in a home.

What is a broker?

An agent who is authorized to open and run his/her own agency. All real estate offices have one principal broker.

What is the difference between being prequalified and preapproved for a loan?

If you’re prequalified it means that you POTENTIALLY could get a loan for the amount stated to you, assuming that all of the information you provide to the bank is accurate and true. This is not as strong as a preapproval.

If you’re preapproved, it means that you have undergone the extensive financial background check, which includes looking at your credit history, previous tax returns and verifying your employment – and the lender is willing to give you a loan, basically meaning you’re approved!

You will usually be provided an accurate figure which shows the maximum amount that you are approved for.  Most sellers prefer buyers that have been preapproved because they know that there will not be any problems with the purchase of their home.

What is title insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

Can I pay my own taxes and insurance?

When a loan is originated, the mortgage documents specify the escrow conditions. This has become a standard practice for all mortgages, including FHA, VA and conventional mortgages.  Occasionally on conventional loans, FRFCU waives the collection of escrow requirement at closing if the member has a minimum 20% equity position in the property.

Is there a minimum credit score?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.