Commercial and Residential Mortgages
Build your Business and Personal Dreams 

Commercial Mortgages Arranging a Mortgage Why use MLS Service How to Sell Your Business Quickly Critical Elements Of Sale For Business Commission Free? Dual Agent

Residential Mortgages Buying A Home Why A Realtor or Agent Buyer's Agent Seller's Agent Who is working for you How to Sell Your House Quickly Critical Elements of Sale For Home

Commercial Mortgages

This type of Mortgage is for Businesses that either have or wants Real Estate property which they can put as collateral to the lender. Once funding is in place, occupancy can begin unless the Business owner is building a facility on the land. The owner then has several options at his/her disposal, please see financing.

Arranging A Commercial Mortgage

Buying a real estate property(s) for your Business does not have to be a baffling and stressful experience. There are several elements involved though from financing, zoning, environmental concerns, location etc. The purchaser should be familiar with the processes of obtaining a commercial mortgage. FES can assist you in every process from the plans to procurement of financing, please see financing.

Why use MLS Services                          back to top

MLS is a service called (Multiple Listing Services) It is effective it's a sophisticated computer data base of properties indexed by price, location, type of business/home, number of units, amenities and so forth.  When selling or buying your commercial  or residential properties, you want the most exposure and that is how the MLS system works. Anyone on the web if looking for your property or location will have a very good chance because of its wide spread capabilities. There are other systems out on the market as we'll through various business sites that deal with real estate financing, using these sites are very powerful as we'll. MLS and other one of the tools out to achieve one thing, that is to bring buyer's and seller's together, which makes everyone happy. FES has the capabilities to market your real estate through targeted advertising of selected properties.

How to Sell Your Business Quickly         back to top

To sell your business or to lease, you will require more than signs and advertisements, You need an agent, sales associate, one who will work as your Trusted Advisor, Skilled Negotiator, Expert Facilitator, but most of all, works for you and not just to close a quick deal. An account executive from FES can help you sell your business more quickly and easily by: Helping you set the right price/deal package if applicable to attract the right buyers and to deal with the professionals who work with these buyers • Targeting the market for the most likely qualified buyers • Understanding the industry, location, zoning, and more; this is imperative because it opens up more buyers due to additional options that could be available like if the property/building can be used for multi-purposes.

Residential Mortgages                           back to top

This type of Mortgage is usually for the individuals that want to purchase a place to live in, a place to call home,  which could be a single house, semi-house, a condo or to purchase other properties. There are major decisions in regards to financing, terms etc. FES can help you with the process. We have a great track record of getting mortgages for you, so if your worried about your credit, or for any reason, please contact us.Please see financing.

Buying A Home                                      back to top

For most people purchasing a home is usually the biggest investment and decision they ever make. In this world things happen, it's reality, and things happen to good people like credit problems, do not stress, there are options. FES can help ease the stress, in purchasing a home, various elements are involved, but the biggest decision is where, what size etc, the financing is the major part. Please contact FES for financing options, we will go over your situation with you.

Why use a Realtor or Agent                 back to top 

When it comes to buying or selling your home or business, most of us have probably asked ourselves: The thought of saving the commission for ourselves from the biggest investment most will make, can be very appealing. Yes, it's true, you can pocket allot of money or negotiate an awesome deal, but unless you are familiar with the processes, it's very complexed procedure for one who does not know. The large sums of money, stringent legal requirements, and some think it's worth it, sure, but the reality of the potential to make mistakes, are very costly. You do not want to be faced with the reality of False saving, one mistake, and you lose a great deal, as well as your personal time, so  please seek a professional who is experienced with all the processes involved.

Commission Free                                    back to top

When it comes to being told there is no commission paid to an individual or a company for getting your real estate property or a loan, that is false. There is always some form of money for the individual or company that is selling something, if they post the saying, ask them how they get paid. Watch for the hidden fees or the commission is added within the price a little higher so that when negotiating starts, the commission is not as affected. So please be very cautious when an individual or company advises there is not commission. If you would like FES to help in a purchase of something, if a fee is applicable, FES will advise you the amount up front.

Buyer's Agent                                       back to top

Please see Seller's Agent - Same rule applies.

Seller's Agent                                        back to top

When working with a Realtor, broker or an agent, it is important to understand who the Realtor, broker or agent works for. To whom is the Realtor, broker or agent legally obligated to. In Real Estate, there are different possible forms of Agency Relationship: Seller's and Buyers Agent. When the professional is a "Seller's Agent", it must do what is best for the Seller of the property. A written contract, called a Listing Agreement, establishes Seller Agency. It also explains services the professional will provide, establishes a fee arrangement for the professionals services and specifies what obligations a Seller may have. A Seller's Agent must tell the seller anything known about the buyer. For instance, if a seller's agent knows a buyer is willing to pay offer more for a property, that information must be shared with the seller. Any confidences a seller shares with a seller's agent must be kept confidential from potential buyers and others. Both the Seller's and Buyer's Agent must expect from each other fair and honest service and disclosure of pertinent information about either property.

Dual Agent                                            back to top

Occasionally a company will be the Agent for both the Buyer and the Seller. The Buyer and Seller must consent to this arrangement in their listing and Buyer Agency agreements. Under this "Dual Agency" arrangement, the company must do what is best for both the Buyer and the Seller. Since the loyalty is divided between the Buyer and Seller who have conflicting interests, it is absolutely essential that a Dual Agency relationship be established in written agency agreement. This agreement specifically describes the rights and duties of everyone involved and any limitations to those rights and duties.

Who is working for you                         back to top

It is important that you understand who the Realtor, broker or agent is working for. For example, both Seller and Buyer may have their own agent, which works for them. If the buyer contacts the seller's agent directly, the seller's agent must do what's best for the seller, but may give valuable services to the buyer. Same goes if the seller contacted the buyer's agent directly, the buyer's agent must do whats best for the buyer, but may give valuable services to the seller.

Critical Elements of Sale For Your Home back to top

Please see Critical Elements Of Sale For Your Business - The elements are the same, because a home, depending on the size, rooms etc, it could be used for various purposes. The order is the same, price is not number one, for example: would you pay 100,000 for a home because it was an awesome deal, but then when you want to catch public transportation, walk your children to school etc - (opps, it's too far to walk, need transportation, but you don't own a car?, now see the picture). Sometimes a deal can be the demise of all contracts, especially if the hype is there and you do not do your own homework on the area. FES can help assure you that we would not let this happen.

How to Sell Your House Quickly             back to top

To sell your home quickly if that is the case, you need a multitude of tools readily available for execution. You will need an Agent, Sales Associate who will work as your Trusted Advisor, Skilled Negotiator, Expert Facilitator, but most of all, one who works for you and not just to close a quick deal. Helping you set the right price is key to attract the right buyers, not just curious lookers. FES would also help deal with the professionals who work with these buyers on your behalf. Gathering various data from your neighborhood, history, amenities, etc. Targeting the market for the qualified buyers Showing your home professionally and understanding other options that can be pointed out to the buyer. FES can have the necessary paperwork and legwork completed in a timely manner, this however is our part, but will ensure delays from buyer end is minimum.

Critical Elements Of Sale For Business   back to top

Property Location and Options -This is the number one factor in the sale of your business, not the price. If the property is not located in a strategic location, then the buyer(s) business would not get the exposure they want, and then would not be profitable for them to purchase. A great number of businesses depend on amenities, street traffic, proximity to expressways and public transportation are crucial. Another crucial element is the use of the property, buyers are looking for commercial zones that have multi-use purposes, which enhances profit • Asking Price - This is second most important factor in the buyer's mind is the bottom line (price). The price can be determined by how much the buyer is willing to pay for the right real estate package. The market value is another key, but does not determine or advise what you must ask for, because various elements are involved • Property Condition - Buyers consider the structural and mechanical integrity of your business as well as the upkeep and cosmetic appeal. If everything has been kept up, not patched just to sell, then the buyer, if everything he/she is viewing wants the property, they will do their best to negotiate. Many seller's fail in this area, not because they never kept the condition good, just that they are not experienced in what the buyers in the industry is looking for •  Market Conditions Interest rates, competition from other properties, the economy and consumer confidence all influence the sale of your business and are beyond your control, except when you have a property that is in a prime location, then power shifts over to your leverage. The best response to these conditions is expert marketing and pricing strategy. FES can help market your business to the industry, if FES cannot help in your particular sector, we will find someone who does • Contract Terms - The terms of the sale can make or break a contract. For instance, business sale contingencies, closing dates and exclusions of accessories or fixtures should always be handled clearly up front in order to avoid any confusion that could affect the sale. FES can help you with other alternative options that if applicable are successful in securing a signed contract • Marketing - When marketing and advertising are done correctly, your business will sell more quickly and command a higher price. Every property is unique and the marketing plan should be designed to target those buyers most likely to want your business.