An excerpt from my forthcoming book "The Soul of Success"

by qinfokusuma 29. May 2015 21:42

 

rudy lira kusuma, jack canfield, soul of success

 

In the forthcoming book that I co-author with Jack Canfield, "The Soul of Success", I shared how a Real Estate Sales Team Benefits Consumers. When the consumers buy or sell homes with my team, they automatically benefit from the most unique and powerful homeselling system that not only has been engineered... but more importantly, PROVEN... to give them better service and results. It is important for consumers to understand how different my system is from the way most real estate agents operate because this difference is responsible for the tremendous success my clients have when using my system to buy or sell a home.

I explained that when they sell their home with my team, it is far more likely to sell, and far more likely to sell for more money... the two benefits that typically matter most to most homeowners. I showed buyers how they can easily find the home of their dreams with the least amount of effort and the meast amount of money. This results can be traced directly to my team system, and here's how I explained it to them.

I have modeled my business after other successful business outside of real estate such as lawyers, accountants, doctors, etc. Instead of operating as a one-man show as most real estate agents do, I have hired a whole team of professionals who specifically trained to zero in on different aspects of the homeselling process.

Let's use a doctor as an example. If you're booked for surgery, your doctor DOESN'T call you up to make the booking, his or her receptionist does this. Your doctor DOESN'T greet you at the admissions department, or help you fill out the admission forms, or prep you for the surgery, or wheel you into the surgery. He or she DOESN'T administer the anesthetic, or wash the surginal instruments, or dig through the instruments to select the one he or she wants. What your doctor DOES do is perform the actual surgery, and he or she does so with (hopefully) skill and undivided attention.

So, how does the notion of specialization translate itself to real estate? Well, I had a customer service manager who was solely dedicated to following up with agents who had shown my clients’ homes in order to gather feedback about what potential buyers were saying about their home. This is very important information for both the listing agent, and the homeseller to know, and a detailed verbal report was given to each of my homesellers every week.

I also have a marketing department which specializes in putting together the most extensive and aggressive marketing plan for my clients’ homes.

My team of buyers’ agents are all responsible for finding buyers for our VIP home sellers clients' home. My clients find it easy to understand how this manpower significantly outweighs what they could find with a single agent.

 

rudy kusuma ultimate home selling system

 

I also found that some brokerages in my marketplace played a smoke and mirrors game with the word “team”. Specifically, they advertised pictures of all agents in the brokerage and pitched this as their “team”. Clearly, they were using the word “team” where it didn’t really exist. In reality, they had lots of agents who all worked independently of each other…NOT as a true team. They didn’t work together with a group focus on each individual client’s home the way my team system did.

When a prospect challenged my point that my team system is unique and would throw up one of these brokerage “team” ads, I helped them understand the difference by drawing an analogy to a sports team. Take baseball, for example. When a baseball team is in the outfield, each team member covers a specific responsibility. One team member pitches, another covers first base, still others take responsibility for the infield and the outfield, etc. By narrowing the focus of each individual team member, and allowing them to specialize in a specific position, when put together as a group, the team has all bases covered (no pun intended.)

If this division of responsibilities didn’t occur, the team would be far less effective. If, for example, all players covered first base, there would be many areas of the field exposed, making it very easy for the opposing team to run home again and again. This, I explain, is what it’s like in these other so called, “teams”…only worse. In the case of these other companies, all players are trying to play all positions at the same time. Every single agent is trying to be all things to each of their clients. There is no cooperative effort between them. You could hardly call this a team. It’s more like a herd…a herd of sheep, all blindly following the rules that someone made up when real estate began 120 years ago.

With my true team approach, our organized efforts meant that there would NEVER be any gaps on the “playing field”. As a result, my clients never had to worry about whether I took a weekend off (the way they would if they listed with a single agent). Our team coverage was so well organized and effective that my team provided 24-hour, 7-day a week marketing and back-up for their home. There was always someone knowledgeable, competent and experienced handling all inquiries on their home because all the knowledge didn’t reside with just one team member. Instead, a team of 5 or 6 was assigned to each new listing (each responsible for a different part of the puzzle), and with this manpower, we marketed their home in innovative ways that most agents couldn’t.

Because each of my Team members was responsible for a list of very specific tasks that occurred during each client’s transaction, there was never a question of something getting forgotten in the buying or selling process. Everyone was well aware of what jobs they were responsible for, what order they were to be done in and what the desired outcome was for each client
 

HOUSING FORECAST: Sunny with chance of increasing prices

by qinfokusuma 10. September 2014 08:36

san gabriel valley housing forecast homes

The housing market forecast for the rest of this year? Steadily increasing home prices!

For many, this might be hard to believe. Following the housing market crash, homeowners have heard only bad news when it comes to real estate. For the last five or six years, the news has focused on diminished home prices, lost equity and foreclosures. After so long, many simply don’t believe that good news about the real estate market is possible.

However, in the last couple of years, the housing market has recovered dramatically. In 2013, home prices often increased by double-digit percentages in monthly year-over-year comparisons. In fact nationwide, prices increased by 10.9 percent in 2013 compared to 2012 .

While we are not seeing the double-digit growth we saw last year, so far 2014 has brought steady, consistent growth and will continue to do so. Most estimates expect prices to increase between three to five percent in 2014.

For homeowners, this is tremendous news. When the housing market crashed, many homeowners lost all equity in their home. For some, this meant they were underwater, or owed more on their mortgage than the property was worth. Others were forced to wait to sell their homes until the market improved. Today, these homeowners are finding that they again have equity.

What’s more, the market conditions driving prices up have also tilted the market in favor of sellers. Homeowners who have been waiting to sell are often shocked to learn just how much their homes are worth today.

Let’s take a look at the reasons why home prices are increasing, and why, if you are considering selling your home, you should consider selling sooner rather than later!

There are Fewer Distressed Properties on the Market

fewer distressed sales

Between 2007 and 2008, millions of homeowners suddenly found themselves in a difficult situation. The recession caused financial hardship for many families. Struggling to pay their mortgage, these families looked to sell their homes. However, because prices dropped so sharply, they found they owed more than their homes were worth.

These homeowners, called “distressed” homeowners, numbered in the millions. Unable to pay their mortgages, some lost their homes to foreclosure while others were able to sell their homes in a short sale. Until recently, the large availability of low-priced distressed properties kept all property prices low.

As the economy and housing market have improved, the number of distressed properties has dwindled. Increasing home prices and home equity mean fewer homeowners are in danger of losing their homes.

Additionally, investors have and continue to buy-up distressed properties, taking advantage of low prices and mortgage rates. The result is that today, there are fewer distressed properties on the market than at any time since the peak of the housing crisis in 2008. This means they are weighing less heavily on prices, allowing homeowners to ask more for their homes!

There are not Enough Properties to Meet Demand

supply and demand real estate san gabriel valley

In general, the real estate market needs a six-month supply of homes to provide a balance between buyers and sellers. This means that at the current sales pace, it would take six months to sell all of the properties on the market. This year, however, inventory has hovered between four and five months. This lack of inventory is one of the main reasons home prices have increased so quickly and will continue to increase.

Inventory remains low for several reasons. First, during the housing crisis, the construction of new homes fell significantly. While builders have ramped up new home construction recently, many of the new homes won’t be available until 2015. Additionally, severe and unusual weather conditions slowed progress on new construction this year.

At the same time, some homeowners remain reluctant to sell. Many homeowners bought their homes at the peak of the market, and want to recoup as much equity in their home as possible before selling.

More and More People are Looking to Buy Homes

more foot traffic home buyers in san gabriel valley

While inventory remains low, the demand keeps increasing. Today, homes are incredibly affordable. Interest rates remain historically low, and home prices are still below their peak prices. The affordability of homes opens the door for many people to buy homes.

With low-inventory and high-demand, the market has become a seller’s market. What’s more, rising mortgage rates and home prices have created a sense of urgency amongst buyers, putting those selling a home in great position. Due to the lack of properties on the market, buyers often start bidding wars over the few homes available. In fact, today, homes stay on the market for around only 60 days, and often homes sell for over asking price!

Home Prices will Continue to Rise, but the Market will Balance

While home prices will continue to increase this year, the slowdown in the pace of increases signifies the rebalancing of the market.

As 2014 progresses, inventory is expected to increase. The new inventory will come from several places. Towards the end of the year and into 2015, new home construction will regain full momentum. Additionally, as homeowners regain home equity, they will be able to sell their homes, releasing pent-up supply.

At the same time, rising home prices and mortgage rates will slow demand as the urgency to capitalize on record low prices and rates fades.

If You’re Thinking of Selling Your Home, Act Now!

The reality is that home prices have recovered. So if you’ve been putting off selling a home until the housing market rebounded, today may be the day.

Home sellers: find out what homes down the street sold for! Free computerized list with maps and pictures of area home sales and current properties available for sale. Free recorded message, call 1-888-300-4632, enter ID# 1041. You can also access this online at www.MyAreaHomeSalesReport.com

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PRESS RELEASE | Real Estate News | Special Reports - Buyers | Special Reports - Home Sellers

THE MIRACLE HOUSING MARKET: Why today is a great time to sell, and a great time to buy.

by qinfokusuma 13. July 2014 09:03
rudy lira kusuma real estate broker

After years of hearing nothing but doom and gloom about the real estate market, it’s hard to believe that today all of the news is about the “housing market rebound” and “why now is a great time to buy or sell a home.” The housing market has recovered much faster than anyone imagined, and it’s taking people by surprise.

After the years of bad news, many people considering buying or selling a home gave up on the idea. For some, the housing market crash meant they lost all of the equity in the their home. Others found themselves underwater on their mortgage. The housing crisis also dissuaded many potential buyers, and the economic recession put buying a home out of reach for many more.

As the housing market recovery receives more attention, however, more and more people are realizing that today’s housing market provides amazing opportunities for both home sellers and homebuyers. Those looking to sell their homes are shocked to learn just how much equity they’ve gained back in their homes. Potential homebuyers are amazed by just how low interest rates are and how high home affordability is.

If you’ve been waiting to buy or sell a home, wait no longer. Today’s housing market provides unique opportunities that may not last. Let’s take a closer look at the reasons why now is a great time to buy or sell.

Why Now Is a Great Time to Buy

1) Home Affordability
For many homebuyers, the first question when looking for a home is “can I afford this?” Homes are more affordable today than they have been in decades. Home affordability is measured by the ability of a family earning the national median income to purchase a home priced at the national median home sale price. And according to the CoreLogic Case-Shiller Indexes Report, housing affordability was near a 40-year high at the end of the third quarter of 2013. High home affordability is placing homeownership within the reach of more and more people. However, home affordability is expected to take a hit as the year progresses and both home prices and interest rates continue to rise in 2014. So if you’re considering purchasing a home, it’s important to act sooner rather than later.

case shiller real estate index

2) Low Interest Rates
When the housing market crashed, mortgage rates plummeted along with it. In January 2013, the average mortgage rate was 3.41 percent compared to 6.22 percent in January 2007—a historic low for mortgage rates. Low mortgage rates have helped keep home affordability high and mortgage payments low. These record low interest rates, however, won’t last forever. Already in March 2013, the average interest rate increased to 4.28 percent, and rates are expected to rise by as much as a percentage point in 2014. So if you’re considering buying a home, act soon. Slight increases in mortgage rates can have a significant effect on the size of mortgage payments, so take advantage of today’s rates while they last. 

low interest rate

 

3) Buying is Cheaper than Renting
Low interest rates and home affordability have made owning a home cheaper than renting one in all 100 large U.S. metropolitan areas. In fact, according to Trulia’s Rent vs Buy report, owning a home is 38% cheaper than renting. If you’re looking to buy a home, there’s no better time than now!

rent rise

 

 

 

Why Now Is a Great Time to Sell

1) Seller’s Market
As you can see from the previous section, now is a great time to buy a home. Low interest rates and high home affordability are attracting large number of homebuyers into the market. However, while demand rises, the number of houses on the market remains low. In January 2014, there were 1.90 million existing homes available for sale. This represents a 4.9-month supply, where a 6 to 6.5-month supply represents a balance between buyers and sellers. High demand and limited inventory has created a seller’s market. What’s more, slight increases in interest rates are driving buyers to act with urgency, making competition over the limited inventory common. These market conditions are allowing homeowners to receive more for their homes and make now a great time to sell a home.

sellers market in san gabriel valley by rudy lira kusuma

real estate sellers market in san gabriel valley


2) Home Prices Have Recovered
Homeowners who explore selling their homes are often surprised to find out how much their home is worth today. The same conditions that have created a seller’s market have helped drive home prices up. In January 2014, the median existing-home price was up to $188,900, up 10.7 percent from January 2013. Housing prices recovered faster than anyone expected. For many homeowners, it means having equity in their home for the first time in years. If you want to sell your home but have not been able, it’s important to reevaluate your situation. Your situation may have improved more than you think.

san gabriel home prices


3) The Number of Homes for Sale is Increasing
In 2014, appreciation has slowed slightly. While 2013 saw double-digit growth, CoreLogic predicts home prices to rise closer to 4.2% from January 2014 to January 2015.

2014 pending home sales in san gabriel valley

new home sales by rudy lira kusuma

The slowing of appreciation is attributed to many factors, but chief among them is an increase in the number of homes for sale. As demand continues to increase, more people are expected to put their homes on the market. Many homeowners have equity for the first time and years and are finally able to sell their homes. Others that have been waiting for the market to improve are beginning to realize that it has.

New home starts are also up. In 2013, homebuilders started construction on slightly under 1 million homes, and even more new homes are expected this year. When these homes hit the market, they will add to the inventory, reducing the amount of leverage home sellers have in the market.

 

Move Up to Any One of My Listings and I'll Buy Your Home for CASH

by qinfokusuma 1. July 2014 15:14

Moving Up? Do it Now!

by qinfokusuma 3. June 2014 07:50

 

A recent study revealed that the number of existing home owners planning to buy a home this year is about to increase dramatically. Some are moving up, some are downsizing and others are making a lateral move. Another study shows that over 75% of these buyers will, in fact, be in that first category: a move-up buyer. We want to address this group of buyers in today’s blog post.

There is no way for us to predict the future but we can look at what happened over the last year. Let’s look at buyers that considered moving up last year but decided to wait instead.

Assume they had a home worth $300,000 and were looking at a home for $450,000 (putting 10% down they would get a mortgage of $405,000). By waiting, their house appreciated by approximately 10% over the last year (based on the Case Shiller Pricing Index). Their home could now sell for $330,000. That would mean an additional $30,000 in equity assuming they didn’t incur any expenses in selling the home.

But, the $450,000 home would now be worth $495,000. Adding the original 10% down payment ($45,000) to the additional equity ($30,000), they would now have a $75,000 down payment. That would still need a mortgage of $425,000.

Here is a table showing what additional monthly cost would be incurred by waiting:

 

According to the Home Price Expectation Survey, home prices are projected to appreciate by approximately 6% over the next eighteen months. Interest rates are also expected to rise by as much as another full percentage point in that same time period according to FreddieMac. If your family plans to move-up to a nicer or bigger home, it may make sense to move now rather than later.



rudy guarantee your house sold

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General | Special Reports - Buyers | Special Reports - Home Sellers | We Buy Homes CASH

With Rates & Prices on the Rise, Do You Know the True Cost of Waiting?

by qinfokusuma 22. April 2014 08:03

interest rates

 

Let’s say you're 30 and your dream house costs $250,000 today, at 4.41% your monthly Mortgage Payment with Interest would be $1,253.38.

But you’re busy, you like your apartment, moving is such a hassle...You decide to wait till the end of next year to buy and all of a sudden, you’re 31, that same house is $270,000, at 5.7%. Your new payment per month is $1,567.08.

The difference in payment is $313.70 PER MONTH!

That’s like taking a $10 bill and tossing it out the window EVERY DAY!

Or you could look at it this way:

* That’s your morning coffee everyday on the way to work (Average $2) with $12 left for lunch!
* There goes Friday Sushi Night! ($80 x 4)
* Stressed Out? How about 3 deep tissue massages with tip!
* Need a new car?You could get a brand new $22,000 car for $313.00 per month.

Let’s look at that number annually! Over the course of your new mortgage at 5.7%, your annual additional cost would be $3,764.40!

Had your eye on a vacation in the Caribbean? How about a 2-week trip through Europe? Or maybe your new house could really use a deck for entertaining. We could come up with 100’s of ways to spend $3,764, and we’re sure you could too!

Over the course of your 30 year loan, now at age 61, hopefully you are ready to retire soon, you would have spent an additional $112,932, all because when you were 30 you thought moving in 2014 was such a hassle or loved your apartment too much to leave yet.

Or maybe there wasn’t an agent out there who educated you on the true cost of waiting a year. Maybe they thought you wouldn’t be ready, but if they showed you that you could save $112,932, you’d at least listen to what they had to say.

They say hindsight is 20/20, we’d like to think that 30 years from now when you are 60, looking back, you would say to buy now…                                                                 

                     

first time home buyers deals

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First Time Home Buyers | Fun Facts | Special Reports - Buyers

10 Ways to Save Money When Buying a New Home

by qinfokusuma 7. April 2014 07:17

Although most homes for sale are resales, one out of four homebuyers purchases a new home. Which is better: existing or new? THe right answer, of course, is up to you. Both resales and new homes offer advantages. Existing homes are less expensive on average, and are generally closer to, and enjoy the warmth and surroundings of established neighborhoods, often with mature landscaping.

New homes, on the other hand, offer innovative use of space, greater energy efficiency and choices of options and upgrades. Everything is new and modern.

Most people consider both new and existing homes before they decide to purchase. A new, special insider report entitled "New Homes - 10 Tips to Save You Time and Money" has just been released which identifies 10 invaluable tips to save you time and money when purchasing a brand new home. Also revealed are little-known buyer advantages that most builders may not tell you.

To learn more about what you should be aware of before you visit your first model home act now for a free report today. 

To order a Free Special Report, visit www.NewHomeBuyerSecrets.com or to hear a brief recorded message about how to order your Free copy of this report call toll-free 1-888-300-4632 and enter 1010. You can call anytime, 24 hours a day, 7 days a week.

 

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Special Reports - Buyers

Return of the Housing Market: Demand and values rise in the market recovery

by qinfokusuma 1. March 2014 12:04
 

Tags:

Foreclosure Trends | Fun Facts | General | Real Estate News | Special Reports - Buyers

Fannie Mae Increases Incentives to Purchase REO Properties

by qinfokusuma 20. February 2014 05:51

Tags:

First Time Home Buyers | FOR SALE | General | Homes For Sale | Real Estate News | Special Reports - Buyers

Unlisted Homes For Sale - February 2014

by qinfokusuma 13. February 2014 09:08

 

 

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