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Articles filed under Lank, Edith

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  • The standard sales contract has grown Jul 5, 2014 12:01 AM
    Q. We plan to sell our home in 2015 to move to a retirement community. I have a good agent we will use. She gave us a sample sales contract to look over — many, many pages compared to when we bought the home in 1998.

  • Single or duplex Jun 26, 2014 12:28 PM
    Q. We live in a house that was originally a big family home. It was made into a duplex before we bought it, and it’s legal for a two-family. Some friends advise us to change the house back before we sell it. We don’t know which way to go. Any suggestions are appreciated.

  • New mortgage possible while in retirement Jun 14, 2014 12:01 AM
    Q. My wife and I are in our 70s. We want to buy a small home just for the two of us, but we don’t want to break into our retirement investments to do it. Is it possible to get a mortgage at our age? I think we have good credit, never checked yet. We are both retired.

  • Cash sale can be fraught with problems Jun 7, 2014 12:01 AM
    Q. I’m going to buy a half-finished cottage on a lake. The place is free and clear with no strings attached. I’m paying all cash so there shouldn’t be any complications.

  • A home sale is never over until it’s over May 31, 2014 12:01 AM
    Q. We accepted an offer on our house two weeks ago, but the “for sale” sign is still up in our front yard. Is this ethical? Why hasn’t it been removed?

  • Listing ‘as is’ limits mortgage possibilities May 23, 2014 12:01 AM
    Q. When a house is listed “as is, seller guarantees nothing” what does that really mean? Does it legally release the seller from all liability? Also, is it a good way to get a quick sale?

  • Neat and clean condo won’t sell May 15, 2014 4:00 PM
    Q. My daughter bought a condo. She was there two years, and then her company moved her to Houston. Her condo has been on sale for a year now and has not sold. It is expensive to keep it. She said she lowered the price several times.

  • When selling, first steps don’t cost anything May 3, 2014 12:01 AM
    Q. I would like to chime in on the often-asked question about whether to remodel before putting a house on the market. As a recent buyer, I walked away from more than one home where the updates were not to my taste.

  • Neighbor upset with agent’s low-cost deal Apr 19, 2014 12:01 AM
    Q. One of my neighbors is quite elderly and he and his wife (who has Alzheimer’s disease) moved across the country to live near relatives. He listed his move-in condition house with another neighbor at about $20,000 below market value. An agent in that firm bought it immediately, and she is renting it out.

  • Don’t gang up on mother demanding home renovations Apr 12, 2014 12:01 AM
    Q. I am one of five siblings, and we are all over 50. Four of us are married and have families, while one brother who is single lives with Mom. My mom is a widow, 82 years old, and she owns her home, but over the years it has come into disrepair. It has been tuck-pointed and re-roofed, and we put in a new garage, furnace and AC, but the interior needs upgrading. The original electric and water need to be replaced, as well as remodeled kitchen and baths.

  • Who pays for the sewer? Mar 22, 2014 12:01 AM
    Q. I am considering the purchase of a small house. The house is not on a septic system but could hook up at a cost of $3,750. However there is also a sewer bond of $4,000 that is billed over the next 10 years at $400 per year in the tax bill. I feel that I should receive a credit at closing of $4,000

  • How to determine a fair price within the family Mar 15, 2014 12:01 AM
    Q. We are selling my mother-in-law’s property. Family members expressed interest but did not respond to phone calls and emails. After four months of cleaning out the home, we went ahead and listed the property for sale. Days later, the family decided they do want to purchase after all.

  • Timing a home sale to avoid taxes on profit Mar 8, 2014 12:01 AM
    Q. I understand that I must live in my house at least two years to avoid the tax on my profit. It will be two years on Aug. 9 that I closed on my home.

  • Reverse mortgage requires home to be sold Mar 1, 2014 12:01 AM
    Q. My parents, who passed away in 2013, had a reverse mortgage on our family home. Evidently, they did not pay their property taxes and insurance premiums, so the costs were added to what they owed on the mortgage. The home is not worth the reverse mortgage balance. Is there any way to work with the mortgage company to refinance and get back our family home for less than the balance?

  • Be clear on what services a discount broker provides Feb 22, 2014 12:01 AM
    Q. I am planning to list my house by March or April. What is your opinion, pro and con, about listing with a low-rate agency that advertises to sell with 0 to 2.5 percent commission. Can a multiple-listing agent sell through them and add to the commission?

  • Mortgage worries burden couple facing heath issue Feb 15, 2014 1:01 AM
    Q. My husband and I have a mortgage with a VA guaranteed loan. He is very ill. As his caregiver, I have not worked in over a year so I would not qualify to borrow anything. If he dies, will I have to refinance the loan? I would be able to make the payments.

  • Unmarried buyers should discuss common pitfalls Feb 1, 2014 12:30 AM
    Q. My boyfriend and I would like to buy a house together but we don’t expect to get married until next year. Will we have any problem getting a mortgage? We’ve been renting an apartment together for two years now.

  • How long to wait when switching agents Jan 25, 2014 12:30 AM
    Q. We are trying to sell my deceased mother’s house. The listing contract expires this month. We are unhappy with the Realtor and will likely list with someone else. My sister-in-law thinks there is a period of time that must pass before the home appears as a new listing again.

  • Net listings can cause trouble in Florida Jan 18, 2014 12:30 AM
    Q. In Florida, is it legal for a real estate agent to offer a contract for a certain price and sell it for a higher price for their commission, if the seller agrees to it? In other words, the seller says what they want to get, and the agent can sell it for more and keep the difference.

  • Seller can change her mind if no sales contract signed Jan 4, 2014 12:30 AM
    Q: I have put my home up for sale, and my agent's contract goes for two more months. I have now changed my mind and do not want to sell. What are my options; what is my liability to the Realtor?

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