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“I heard there is no money for buyers. Is that true”

No. There is more mortgage money available now than ever before. Yes, a buyer does actually have to have a job as opposed to pre-recession practices. Credit is available to buyers with little down (FHA…3.5 percent down) or conventional buyers with 5 percent, 10 percent or 20 percent down. A buyer’s credit score can determine what type of mortgage and rate are possible. But there is funding available to any buyer with acceptable credit, job stability and sufficient income.

“I’m selling my home ‘as is’ and that means they take the house just as it is.”

You may want a buyer to accept your home in its current condition, but that doesn’t mean a buyer would be willing to accept your home without a home inspection and a right to negotiate or withdraw their offer if the inspection reveals defects. ‘As is’ condition typically means that a buyer understands that once the closing has taken place and title changes hands, a buyer cannot come back to the seller and complain about structural or mechanical problems. They are accepting your home with the knowledge they have gained from their home inspection (if they chose to have one). A seller in this case may be an estate or someone who has not recently lived in the home and cannot make any statements regarding condition. Consult an attorney when selling the home in an ‘as is’ condition so that you are protected and understand all ramifications of this type of sale.

There is no substitute for accurate information from professionals who have dedicated their business to informing the consumer and offering the best advice in every real estate situation. Make sure your clients know the facts as it is the only way to go when making such an important decision as selling or purchasing a home.

Bruce Nemovitz is a Senior Real Estate Specialist, as well as Certified Senior Advisor. Bruce has sold residential homes in the four county Milwaukee-Metro areas for 37 years. He has published a book called “Moving in the Right Direction, A Senior’s Guide to Moving and Downsizing.”

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