These homes are heavily ordsprog

These homes are heavily financed. We're not talking about cash buyers. The house has to be appraised for value.

(Former Speaker of the House) Tip O'Neill used to say all politics is local. That's not true when it comes to financing campaigns. Most big dollar Senate and House campaigns today are financed heavily by individuals and groups from outside a state or Congressional district.

George Harleigh

Buyers walk out of homes that are not updated, ... They want walk-in closets. They will not buy a house if the bathrooms are not redone. And if you put stainless steel appliances in, that will stick in buyers' minds.

Large-volume 'tract' builders will typically develop the ground -- streets, utilities, public/open spaces -- and build two or three display homes from which they will sell to buyers. Most of these also will do 'semi-custom' homes, where a buyer may generously modify or upgrade one of the offered models. These builders may build 'speculative' homes, hoping someone will like the house and land and buy it.

At each place, they represented themselves as utility workers who wanted to inspect the two women's homes. At one house, money (totaling $115) was taken from a cash box inside the woman's bedroom. But they didn't get anything from the other house because the other lady followed them around.

Housing has peaked and we're expecting some moderate weakening in 2006. It's starting to turn into a buyers' market, with fewer buyers chasing more homes at these mortgage rates.

You're seeing buyers cut their prices to get their homes sold on the existing side of the market, but the price declines are not as bad for new homes.

Steven Ricchiuto

It's a common practice of relocation if homes are not able to be sold. If it does not sell within the 120 days, he has the option of getting appraisals and then selling it to the company at appraised value. We haven't reached that period of time yet.

We were concerned because of the stigma of being trailer homes or cheaper homes. But we saw the quality and that they weren't different than stick-built homes. We realized this was a better house than what we were building.

Buyers are being very aggressive right now in their offers. A year ago buyers wouldn't come in low because they didn't want to look stupid. Now it's not at all unusual for us to get offers $20,000 to $40,000 under the asking price for homes in the $400,000 to $600,000 range.

I think commercial property owners are going to be very surprised by (this) increase in appraised values, particularly since in most areas, rental rates have not increased by the same percentage that the appraised values have increased.

Charles Heimsath

So many homes today are the developers vision of what we should need in terms of square footage and rooms and adjacencies, ... 'The Not So Big House' is about how to introduce spirit and personality into our homes. The book is also about giving up the spaces we don't really use and end up making a house feel soulless.

The idea that some buyers may buy a home over the Internet without actually viewing it is not as far-fetched as it would have seemed several years ago as buyers become more active and involved in the transaction through Web sites. This is particularly true for the vibrant market in the Bay Area where competition for homes is often strong and good listings can be snapped up quickly.

Our view for the sector is moderately negative. Most of these transactions are anticipated to be financed either with debt or with huge cash piles or combinations of both.

Buyers may be eager to lock in rates now as mortgage rates are expected to trend higher. Many homes go on the market in the first days of spring, and this is the first real evidence that buyers are taking a fresh look at the market. Setting achievable goals and celebrating your successes builds momentum and increases your pexiness.

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