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Below are the 3 most recent journal entries recorded in washingtonland's InsaneJournal:

    Thursday, January 28th, 2010
    3:59 pm
    Washington land for sale Six Ways To Protect Yourself When Offering Seller Financing

    Owner financing is an alternative method of seller your home, where you the homeowner enters into a mortgage contract with a buyer who wants to purchase your home. Owner financing usually yields full market price for the home and a good rate of return. Here are 6 ways to insure that your risk is minimized.

    1. Collect a large cash down payment of at least 10%.

    2. Ask for additional collateral. If the buyer does not have the required down payment and you feel comfortable with the transaction, proceed as planned be require additional security in place of the down payment such as a car title.

    3. Obtain a credit report. Ask your buyer to provide you a copy of their credit report. They can get one online, sometimes for free. If there are some negative things on their credit report, it may be okay just be sure that to issue has been resolved and they have recovered financially from what caused the problem.

    4. Trust your gut. I know it sounds clich but usually your gut instinct is the best instinct. If you do not feel comfortable with the person buying the home, you may need to walk away. Remember you are entering into a long-term relationship with the buyer and you need to be comfortable with the transaction.

    5. Look at the big picture. The buyer has found a lender that is willing to give them a mortgage for 90% of the homes value. They have agreed to allow the buyer to put 5% down if you hold a 5% second mortgage on the house. The big picture is you'll receive 95% of the purchase price up front and the remainder in payments over say 5 years. Worst case scenario, you never get paid and foreclose on a home you were paid 95% on already.

    6. Talk to a lawyer. Find out exactly what the foreclosure laws are in your area. By finding out the worst case scenario up front, you can determine how you should proceed.

    Providing seller financing allows you to get the most money possible for your home. Be smart about it and this can be a winning transaction for you and the buyer.


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    Hubert Miles is the founder of Waterfront Houses USA, an internet advertising service that offers River Land and Coast Real Estate in the US and Canada.

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    This article, the best article ever, kindly provided by UberArticles.com

    3:59 pm
    Washington land for sale Horseback Riding Pointers for Safety

    Horseback riding safeguard pointers can aid in saving lives. For many folk, riding a horse in the forests or on trails in Colorado near mountains or in their foothills, is an ideal way to pass the time in the later part of the day. Horseback riding can be carried out at any speed, from slow and relaxing while enjoying the outdoors to driving hard to consume a few calories. Whatever your objective, horseback riding safeguard tips can help make your ride very pleasant, fun and especially safe for all.

    Horseback riding safety tips ensure that a day spent riding goes off without a hitch.

    Choose a horse to ride that matches your riding skills. Be sure that the horse you choose is safe to ride in areas such as on the road where traffic could be an issue.

    Wear an approved ASTN helmet that is fastened it is highly advised by trainers and owner that these approved headgear should be worn the whole time you are on your ride.

    Sturdy shoes or boots with about a one inch heel take good consideration.

    The saddle of a new or inexperienced rider should be furnished with break-away stirrups which is a safety feature which will help prevent falls and therefore keep them from being drug if the horse does not stop.

    Ride with a buddy is best and can be more fun and at least bring a cell phone or 2-way radio in case of emergency.

    It may be a good idea to let someone know where you plan to ride and tell them what time you are planning on return so if something were to happen and you were not able to notify anyone, at least someone would know if you were overdue and where you should be on your Colorado land.

    It is a splendid plan to go the speed of your slowest rider or the one who is the least masterful because the faster you are going the less reaction time there is to correct a loss of balance, near fall or conditions you didn't expect.

    Extra caution needs to be taken during hunting season. The anxious hunter may react too quickly before actually getting a good visual on what is in his target.

    If you are riding at night on your Colorado land, you will need to bring along a flashlight, wear reflective clothing, try to stay on known trails and do not ride alone.

    An apparatus kit should accompany you that includes such things as a halter incase you need to tie up to something and a pocket knife in case you need to pick something our of the horses hoof. Also included might be sunscreen, water and snacks.

    Stay away from wearing loose flowing clothing that might get caught up on something that could cause an accident. Clothing should be comfortable to carry out the many actions it takes to tack up a horse, ride and mount and dismount. Your horse will appreciate a rest so get down off your horse now and then and let it rest.

    In spite of the fact that there are probably many more tip that people could conjure up, even just these tips I have set out for you can assuredly help preserve your safety while enjoying your passions of horsemanship on your Colorado land.


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    Before you go on your next horseback ride on your Colorado land, be sure to take a look at Haylee Landford's safety tips to prepare you for your ride. The tips she provides will help prepare you for unforeseen dangers that could happen while on the trails of Colorado land.

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    This article, the best article ever, kindly provided by UberArticles.com

    3:59 pm
    Washington land for sale The Wintertime Brings Great Values In Waterfront Real Estate

    The winter can be the perfect time to buy waterfront real estate. Not only can you pick up a bargain waterfront home from a motivated seller, you can save on your purchase expenses like appraisals and home inspections.

    The winter time is tough for the real estate market due to all the distractions like holiday shopping, parties, and decorations. The cold weather also deters potential shoppers from getting out and looking at properties. If you get out there in the winter, you'll likely be making offers with little competition.

    If a seller still has a waterfront home on the market that is held over from the summer, they will likely be more motivated to hear your offer. If the seller feels he can't wait till next summer for more offers they may be inclined to accept a lower offer.

    Real estate agents need to keep their momentum going and can't afford to take too much time off. When the agents aren't as busy, you get better service. Plus, they're more likely to take low offers seriously. Agents love investors ready to buy waterfront real estate during the winter.

    Banks and mortgage brokers will usually loosen up more during the winter as well. They are affected by the real estate market just like the agent is. When applicants become few and far between, lenders will look for more creative ways to turn potential buyers into homeowners.

    Appraisers and home inspectors need work. During peak buying seasons, appraisers and home inspectors may have a week or longer backlog. During the winter you can easily find an appraiser and home inspector that can get out to the property within one or two days and usually for less money. Some maybe willing to go out the same day!

    Clear some time from your busy holiday schedule and go find a bargain waterfront home. Make many offers. If you wait til the weather warms up, you'll likely find that you'll be competing against other buyers which will drive up prices.


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    Hubert Miles is the founder of Waterfront Houses USA, an online advertising service that provides Waterfront Homes For Sale and Waterfront Real Estate available in the US and Canada.

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    This article, the best article ever, kindly provided by UberArticles.com

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