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Real Estate Knowledge

Found 12 blog entries about Real Estate Knowledge.

Salespeople are typically focused on being transactional and closing more deals. Fiduciaries use a consultative approach, putting a client’s best interest in mind even if it means disclosing info that will kill a deal. Fiduciaries won’t place their commissions before your best interest. Unfortunately, many agents in our market are experienced at selling themselves. The real estate industry over the years has become less about the customer and more about the number of transactions an agent closes.  Some of the blame can be directly correlated to real estate coaching which has become big business and focuses on “Closing the Deal” as opposed to solving a client’s problem.  Big Real Estate coaching companies train agents to become adept at answering common

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These terms are utilized all the time by real estate professionals in describing properties. Tim Bray and Seaport Real Estate Group pull back the curtain and expose the true meanings. Take a look!!



  1. RELO -Up to 15% off the list price because the seller is being subsidized by a corporate relocation company.
  2. COZY – Small and cramped
  3. GOOD BONES – This place needs to be rehabbed
  4. LOCATION, LOCATION, LOCATION – Focus on location typically means that that structure is less than adequate, and focus is being placed on its positive attribute. Location.
  5. INVESTORS TAKE NOTICE – Ok, this property needs a massive cash infusion to bring life back to the old girl.
  6. PRIDE OF OWNERSHIP – This owner has put their
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Written by Jon Nelson

THE REAL ESTATE CYCLE - Barring any special circumstances, every home, neighborhood, city, town and state is subject to the inevitable influence of the Real Estate Cycle. Independent of any external pressures, the stages of this ever-changing sequence have been the source of much unnecessary financial and economic strife and leave a permanent mark on homeowners and the municipalities they populate.

If a certain locale is not growing, it may very well be declining. This is a dynamic pattern that can and will impact the indirect and sometimes unforeseeable consequences of consumers unknowingly purchasing ‘too much home’ for their budget. The ripple effects of this are far-reaching and can often accelerate the decline of a

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Time Kills Deals - Do Your Research


Real Estate Raw&Uncut is for: Realtors, Agents, Buyers, Sellers, Brokers, Attorneys, Lenders, or just anyone that wants it "REAL" in REAL ESTATE! No hidden lies, none of that Realtor "fluff", no TV drama, no media BS... only the cold hard truth which we deliver unscripted and unfiltered with a new episode every week.

Episode 185: Chances are very good that your seller will receive much less in the long run for an overpriced property than if the property was priced correctly from the start. Most people accept and understand this concept. What many do not recognize is that knowing your product prior to listing can prove to be instrumental in getting the deal done. It is imperative that you have the

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Written by Robert H. Ruth

Last week, I reported that Fannie Mae and Freddie Mac were increasing their conforming agency loan limits in 2018 from $ 424,100 to $ 453,100, an increase of 6.8%. Accordingly, we have received an announcement from the Department of Housing and Urban Development that the Federal Housing Administration (FHA) will also increase their loan limits in 2018. While the new limits are not as high as Fannie Mae and Freddie Mac, they are higher than the limits in both states this year.  

While FHA loan limits do not change dramatically on a year over year basis, the new limits are a reflection of the increase in home prices in the US over the last 12 months. As reported by Kelsey Ramirez in Housing Wire, FHA is required by the

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Written by Robert H. Ruth

Over the past 2 weeks I have reported on the current state of the housing market in the United States, and compared today’s market in 2017 to the market in 2007. My comparison showed some striking similarities between the 2 time periods, and in the media there is concern about the possibility that another housing bubble might be in the works. Whether the market is overheated and may experience a correction is not my concern right now.  My objective in this space is to report on what is happening in the market, and what is driving the current housing economy.


In order to do that I thought it might be a good exercise to develop a picture of the market based upon 5 pillars that are holding up the current marketplace.

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Written by Robert H. Ruth

The last 10 years has seen a profound swing in our economy and the Housing Market.  Recently, ( last week of June, 2017) I looked at 5 components of the Housing Market and the US Economy to see what changes have occurred in the last 10 years.  Specifically, I looked at

  • The Dow Jones Industrial Average,
  • the U.S.  Unemployment Rate,
  • the Median Sales Price of Single Family Homes in the US,
  • the Average Rate on a 30 Year Fixed Rate Mortgage,
  • the Income needed to qualify for  a home at the Median Sales Price

Here are the changes in each category, and my comments on each.  I think you’ll agree that the numbers are very interesting.

Dow Jones Industrial Average

-DJIA on 6/21/2007: 13,545
-DJIA on

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Written by Robert H. Ruth


Second home season is officially here!  While buying a primary residence is a substantial commitment financially, with long ranging impacts, purchasing a second / vacation home is an even larger commitment, so careful deliberate planning is paramount if you are in the market to purchase a second home this year.   Here are five important issues to consider when contemplating a second home purchase:


How familiar are you with the area?

  • Buying a home as an annual vacation destination or to use on weekends or Holidays is a very serious commitment. You better make sure you like the area you are purchasing in because you’ll be spending a huge amount of your free time there. Many buyers I work with have

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Written by Robert H. Ruth


In my last post, I gave an overview explaining how Adjustable Rate Mortgages are priced in the marketplace, and compared the pricing function to one used in retailing. This post will explore the 3 main types of ARM loans, how the rates can change over time, and what the impact of rate changes have on a borrower’s monthly payments.

Borrowers have 3 ARM Choices

Basically, there are 3 main variations of an ARM that are widely available for homebuyers. They are the 5/1 , 7/1, and 10/1 ARM.  These loans are known as “hybrid” Adjustable Rate Mortgages.

  • Just as a hybrid automobile gets great gas mileage because it has the feature of electric assisted power combined with gasoline power, a hybrid ARM has the
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Written by Robert H. Ruth

The Basics of Adjustable Rate Mortgages

Most buyers understand the basics of a fixed rate mortgage…there isn’t much to explain. The rate and the payment are fixed…they never change…You pay the same amount for a specific period of time and then the loan is paid off.  It’s a pretty straightforward concept.

But there is another type of mortgage, one that does not have fixed rates that never change. It is called an Adjustable Rate Mortgage, or ARM. The purpose of this article is to explain the basics of ARM loans so you will have a fundamental concept of how they work.  However, before we explain ARM loans, it is helpful to explain how everyday goods are sold in the marketplace.

Say you go into a large discount

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