Selling Without a Realtor - Secret Selling Tip from Real Estate Industry Insider

For Sale by Owner Super Selling Tip.

Do Not Sell Using a Realtor. My Name is Crystal L. Cox, I am the Real Estate Industry Whistleblower. Selling With a Realtor takes YOUR hard earned money, Does not Provide you ANY Real Estate Consumer Protection, Causes you Great Stress and Well.. Selling without a Realtor is Easy with the Power of Internet Marketing. More on that Later..

For Now here is My Secret Selling Tip to Get all the Real Estate Brokers in Your Area Working for You and Other Selling Without a Realtor Tips..

I am a Real Estate Broker Owner, I use this Powerful Selling Tip to Sell my personal real estate and the real estate of my closest friends and family.

This is an Amazing Real Estate Selling Secret Sales Tip from the author of the Outspoken Confessions of a Realtor Blog found at www.SavvyBroker.com .

Selling your Home is not easy. Selling a Home Fast, even harder. Secret Selling Tip for Selling your Home Quickly and in any Market is a Powerful Selling Tool to Use Right Away and it Works.

Click Here to Download My Secret Selling Tip

Crystal L. Cox
Real Estate Broker Owner

Conditions That Affect Your Appraisal

So You Want To Sue ?

Appraisals are opinion.

Appraisals are only opinions, and this is NOT real and NOT based on GOOD Data. They use the same database that the real estate agents us to come up with an opinion of what a property is worth. Nobody really knows what a property will sell for, it is especially chaotic in rural areas. Lots more on this subject in later posts.

Your Appraisal, nor Your Lender can offer you Protection on whether the Home your Buying is Worth It.. or if it is even Habitable.

Websites are pretty much the first point of contact in a real estate transaction

It is very important that you learn about marketing real estate on the Internet. What seems to be happening in the real estate industry, is that giant companies that have more Internet knowledge than you do are getting the potential real estate buyers to go to their website and then they are selling these leads back to you, the real estate professional in your local area.

However if you were knowledgeable about the Internet, and you were doing your own real estate marketing and advertising online, you would not need the services of a lead generation company. You will have to spend a certain amount of your income on advertising to position yourself in getting your listings found on the World Wide Web.

Many agents think they have a website or assume their company website is the only website they need. I have had agents tell me that they have a company website, which actually belongs to the franchise they work for and they claim that they get plenty of leads from this site, with seemingly no regard to the possibility that they may someday leave this company and the possibility that it would be much better for their business and for them to get these leads directly to them and not have these potential buyers be filtered through somebody else's decisions of where leads go to.

I have spoke to some real estate agents that have spent thousands of dollars on websites, and online marketing to get a space on the information superhighway. And they have told me that they have no idea if they're actually getting traffic to this website, they have no idea if they own the domain name to the website, they don't really know if the clients are coming from that website or the corporate head website or some other marketing they've done and they basically do not have a concept of what real estate marketing online is and what it means to them.

The wonderful thing about online marketing is that we can track it. For example, if you spent thousands of dollars in advertising in the Wall Street Journal, how do you know how many people have looked at your ad.

There may be statistics on how many papers go out to, how many people subscribe, but you have no idea how many of those papers went into the garbage or was dropped in the mud. How could you possibly know when and if your ad is read unless you have a tiny little video camera in each and every newspaper and a way to provide stats on this. Other than this how could you possibly know if anyone is looking at your ad. I guess the only way is if someone says hey I saw your ad or your phone rings. How can you tell if they even took a glance and you got any brand recognition, or if any eyeballs even took a look at what you had to offer. Without this you have no real ad campaign that you can actually track and tweak accordingly.

Internet Marketing is so much more advanced over traditional advertising portals such as newspapers, magazines and television that it is definitely, without a doubt here to stay. So in conclusion, if your business is here to stay than you had better plan on marketing YOU online.

Never Let a Realtor ..

Never let a Realtor talk you into signing a withdrawal, if you want to CANCEL your LISTING you have to sign a Cancellation, otherwise they will still get a commission.
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If you don't FULLY understand the Terms (the Gibberish) On the Realtor Forms, make up your own form.
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This is Your Life.. Take Charge..
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and if the Realtor did Not Sign the Cancel Form.. it is NOT Cancelled just because they say it is..
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How to Determine Land Value

Folks are you still signing real estate listing contracts without reading them?

I have had so many clients that refused to read their listing contract. This is not a good thing. They say that they just trust me. I don't want to be just trusted. I want people to know what they're reading and if they do not understand anything in it or any of the laws. I want them to either ask me to find out for them or find out for themselves and not take my word for it.
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You need to read the Contract, make changes if you don't like what your seeing, YOU are a PARTY to the Contract, you have a Right to Change any of it.
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Find Out MORE.. Do not Take the "Realtors" word for it, ONE week learning how to pass a Real Estate Test DOES not qualify anyone to give you Real Estate Advice.
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Negotiable Fees ?

If your "Realtor" says they are not negotiable, is that not an Anti-Trust Violation?
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Fees are Negotiable, Make sure your contract is written in a way you like, you are in charge, not your Realtor, your "Realtor" works for you, not Vice Versa.
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Your Not Still Having Open Houses Are You?

I mean Come On..
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Open Houses have NEVER been for Consumer, they have always been for the Realtors, and funny, the Sellers demand them quite often to get more supposed "action" but really it gets the Realtor more Buyers and Sellers and More Networking for them.
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These Days open Houses are dangerous as well, you never know when your being "cased".
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If you Use a Broker, they Need to Get Internet Marketing and to Look for a Buyer. You do not need Brokers to pitch your house to other Brokers, the object is to market to, solicit a buyer and to get to a closing Right? So why have a Realtor who makes it their job to market to other Realtors. It is a whole new world folks, either get the internet of give up.
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If your Realtor don't get it.. Fire them and Sell without a Realtor.
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the Current Real Estate Rules

The Real Estate Industry is Seriously Broken.
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The Current Rule, Lack of Enforcing Laws and Ethics, and the Good Ol' Boys and Gals Network Hurts Real Estate Consumers Across the Board.
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The Real Estate Industry is not good for most agents, does not provide real support for honest real estate agents, and is not geared toward easily having real estate laws enforced.
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Real Estate Investors and the Real Estate Industry as a Whole is Seriously hurt by the Lack of Ethics Enforcement, the Protection of Certain "Realtors", the E and O insurance that hides Realtors Lies and Protects them from Real Accountability.
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defend your consumer rights, speak out

STOP Using Realtors, Pay Attention to What NAR is doing, Saying, Lobbying that Directly hurts you.. but you see it benefits them, and then they benefit insurance companies, local government and much more in turn.
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Almost 90% percent of FSBOs will be sold by real estate agents.

Is this True, many say this but I don't believe it.. if it is anywhere near true, that is because the Realtors have a Monopoly on your Real Estate Transaction, a Cartel, they make buyers think your real estate for sale is inferior to their listings when in fact it is not true.

Blasting an Entire Profession

There will be those who accuse me of Blasting an Entire Profession.
There are good, honest Realtor, but they are but a baby lamb in a Sea of VERY hungry Wolves.

charged an Internet Markteing Fee

Never Ever Pay your "Realtor" a Marketing fee, they use the marketing to Market them, they get way more buyers then what you will need. If you have this money to throw around then just advertise for yourself.
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I knew a guy that paid $3000, the Realtor SOLD it a week later before ads came out, turned out the Realtor had the Buyer BEFORE he took that fee, but Now the Seller just lost the money and some marketing was done, but see this Only Benefits the Realtor in getting New Buyers..
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Why do realtors lie and say....HEY... A BUYER'S AGENT DOESNT COST YOU ANYTHING?

Questions Asked..
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The thing is Yes The Seller Pays the Commission, but Yes the Buyer Pays More due to this, Obviously.. the Funny thing is Oftentimes a Buyer pays the Same either way and the Seller does not back off that amount, so either the seller gets it or the "Realtor" gets it and the Buyer still pays.
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It should be, Sell without a Realtor and the Buyer gets a break and more protection, however, not often the case..
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Just Stop Using Realtors.. NAR Member .. Period..
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The MLS - NAR Database is NOT Necessary

You do not need to get Lost in Realtor.com and Mega-MLS databases around the World. You needed Targeted Internet Marketing to get your Real Estate Found. It is not as Complicated as "Realtors" - the National Association of Realtors wants you to believe it is.

The MLS is Outdated, it is archaic and it is VERY Anti-Consumer. As well as the MLS data is used on a National Basis for Home Values and Loans and it is NOT accurate or policed for quality control in ANY way.

No one ever makes sure that the Correct Data is entered into the MLS. This "Realtor" data is used for Home Equity Loans, Real Estate Loans and is the foundation of our financial markets and no one seems to care that the "Realtors" have no regulating body to actually make sure this information is Correct.

NAR president on CNBC, 2/11/08 - NAR Lied and The are NOT accountable in ANY way.. no ONE Cares

Wake Up Real Estate Victims, Real Estate Consumers. How long will you keep buying into the lies of the National Association of Realtors. They are hurting you with their lies and you are still using Realtors to sell your real estate because you think that you have to.

Selling without a Realtor is Easy, Free or Cheap and offers you much more Protection. I guarantee it ~ Crystal L. Cox ... Broker Owner

Richard Gaylord is Lying in this Video and No one can do anything about it. NAR is Not held to the Higher Standard that they brag they are all about. NAR Should be held accountable for this dispicable Propaganda but they are not. And in fact though they Convinced you to Get deeper into debt, though they have not Quality control over MLS data and do NOT hold Realtor, NAR members accountable for the damage they do for real estate consumers .. well NOW they are advising your Government on What Next, to Save You the Real Estate Consumer, and because NAR is a Billion Dollar Entity - your Government listens to their Advice, Clout, Pressure and Flat Out Lies.

The Video below Should NEVER be Forgotten and Should Never Be forgiven. In case the video is removed, what it is, is a video with the 2008 NAR president telling you the Real Estate Consumer to buy - buy, it is a good time to buy. This particular NAR puppet's name is Richard Gaylord. Do Not Believe the Lies NAR is constantly spewing.

NAR got you the Real Estate Consumer into this Mess and not enough People are point the Finger at the NAR president and the National Association of Realtors. I saw this stuff first hand and you, the Real Estate Victim (Real Estates Consumer) - you have been Duped ~ and now NAR is "working with Congress" as the New NAR president Charles McMillan prepares for more LIES forced on the Real Estate Consumer to come to YOUR aid when they are the PROBLEM in the First Place.

NAR is lying and where does it End? Big Money and Big Politics will keep NAR forced into your Real Estate Transactions and you can do nothing about it, Seemingly.

Buy - Buy - Buy ... Lies .. Lies.. Lies.. Higher Loan Limits, this is GOOD for BUYERS.. no way, prices were to high, loans were forced and NAR was pushing buyers and they want you to still use a "REALTOR" NAR member to sell your distressed home.

This stuff is Sick and VERY wrong and should never be forgotten. NEVER - Ever Forget the lies told by the National Association of Realtors that took Real Estate Consumers Down.. RealEstateIndustryWhistleblower.com - Crystal L. Cox - Real Estate Consumer Advocate.

If they are having trouble with loans - they can refinance - so another words, false equity, false debt that should not be on the consumer and PUSHED by Liars at NAR.. do NOT believe the Realtors Association and Never Trust them.. EVER..

The Reporter Questions and the LIES just keep rolling.. You were deceived by NAR…. Don’t forget it..

The president of NAR Said, with low interest rate and lots of inventory it is time to buy. How can this guy sleep at night.. Prices are Leveling off he said, What a Clueless Ass. NAR knew, they lied to the real estate consumer made billions from those lies and now they are set to make billions more as you Lose everything and they get their hands in that.. Higher LOAN Limits Save from Foreclosure, those are OUR Statistics from OUR Research Department.. Holy Cow.. NAR is Clueless or Did they really know and simply let you keep lining their pockets til’ the crash was obvious. Hmmm…

30 Years in the Business.. WoW..

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Richard Gaylord sure has done a lot of Damage.. And NO accountability from NAR to the Real Estate Consumer across the board.

And now the Current NAR President, Charles Mcmillan is working with Congress to get you back into these same types of messes.. NAR is NOT the voice of Real Estate.

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NAR Lies and cheats the Consumer in every way imaginable…

Stop Using NAR members and DO NOT forget this Deception.

NAR does not Hold Realtors Accountable for Lying to YOU.

and NO ONE holds the National Association of Realtors accountable for Flat Out Lies such as in this Video. You MUST demand that NAR be Held Accountable for Lying to You. STOP using NAR members, Realtors. Write to all the Politicians you can and tell them how you feel. Talk to the Department of Justice. NAR has more money then any of the Government Entitites that are supposedly set up to protect you. And NAR lobbying and Clout will win to GET their Way so they get Richer... and NAR is Using your Money to Do it. And of course other "Lobby Dollars" , "Political Pull" and "Clout".

Here is the Secret Weapon, IF you the Real Estate Consumer, the Real Estate Victims Speak out about Realtors, NAR and you Stop letting them do this to you, then little by little the EMPIRE, the Cartel will come down and you the Real Estate Consumer will have a chance. For now, their billions are stomping on you daily and you don't even know it.. and odds are your local Realtor does not know either, they just play follow the leader, don't ask questions and Get my Paycheck..

Realtors Deceive Everyone Equally? Do Realtors Lie to Bank Owned Property Managers ?

Do Realtors even Cheat the banks, yes I know Shocking but I want to share with you another tidbit shared with me tonight.

Do Banks know this Stuff? Maybe they just don't care.

Some Realtors take banks foreclosure listings and find a way to create a fake distress sale, sort of with the bank themselves. Another words the Realtor can do something such as list the banks Real Estate Owned property, and not tell the bank about buyers they get, interested parties or even tell the bank of offers. These Realtors simply find a way to keep the bank thinking their are no real buyers when really they have lied about interest in the property, kept other Realtors and their clients from making offers by lies and games and sometimes flat out telling a buyer oh you can't have that listing. At this point a Savvy Buyer will contact the bank direct and NEVER trust the Realtor that there is an offer, several offer, it is contingent or any other reason the lying Realtor tells you in which keeps you from Buying the Property.

These Realtors will even deliberatly enter the wrong zip code to keep buyers at bay, this way the lender will come down even more or be "More Willing" to sell very low and the Realtor themselves or a friend of theirs will then buy the bank owned property. Believe me NAR, Realtors are a HUGE, very Huge part in the financial collaps we are now in.

And many Realtors will Continue to Benefit from these properties that the bank owns. They will be a part of selling them for the banks, they will buy some of them, and their friends and investors will be buying those homes NAR sold you and told you it was a GOOD time to buy.

Crystal L. Cox
Real Estate Whistleblower

What if your Offer Offends the Seller ? What does this mean ? Is it a Realtor Game or a Sellers actually Feeling?

"real estate negotiation seller offended excuse"

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This was a Site Search on our Blogs today.

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I just want to say that this happens quite often. The buyer wants to make an offer but the Realtors says well they will offend the Seller and you don't want to do that or they may not work with you at all. And if the buyer does make that "low ball" offer then the Realtor tell the seller just to ignore it, you don't even have to counter, it is way to low.

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So the Seller Does not Counter and the Buyer is left with well I guess I offended the Seller, but in Reality you should have your Buyers agent or you be there when the offer is presented and make sure that the Seller understands. Also the Seller should counter or the Realtor should encourage another offer, just leaving it at oh well you offended the Seller well that is just a bit too much and not really based in the Real needs of Buyers and Seller but instead a game by the Realtors. Most Sellers, though disappointed at a low offer, they won't be jerks about it, they will do something... to let the buyers know where they are at with all of it.. it is the Realtors that add games to the mix and alienated buyers and sellers forever.

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Also on this note Realtors can have there Sellers sign something that they put in the file that says, don't bring any offers below such and such dollars. This way the Realtor can show the property and can reject offers right from their desk and they don't even have to tell the Seller they go an offer...

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Well just a Few Tidbits on that Subject. Just Remember never settle for answers that you feel are just not quite right.

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NAR should be Trying to CLEAN Up the Realtor Image

The National Association of Realtors NEEDS to get busy Doing the Right thing and Policing their member, the Managing Broker, the Broker Owner. NAR needs to ENFORCE Ethics and Standards of Practice.

They have no real auditing system in place, they are Self Policed, they let agents break Ethics over and over. Yet they spend a HUGE amount of man hours WORKING WITH CONGRESS - lobbying and other Effort toward making, creating, suggesting laws to keep Realtors in business and Making darn sure that consumer friendly laws do not make it to the books.

NAR spend over a $100,000 a day to GET THEIR WAY, plenty of money to actual hire people to police their members but NO that is not important to NAR. The do not care about the Quality of the MLS Data, they do not care about Realtors who like to consumers and other Realtors, they do not care about Realtors who FAIL to disclose, they do not care about the Enforcement of the Ethics and Standards of Practice they are so proud of.

NAR claims their agents are NOT violating federal Anti-Trust laws but they do nothing to prevent them from it, to remove their membership for it or to actually make sure. yes We have classes so what.. just because a Realtor learns what they should be doing does not mean that they are actually do it and why would they. No one is REALLY watching.

NAR is to busy convincing the public, brainwashing you to actual follow through with BEING who they say they are. NAR does not NEED to really be who they claim to be in their Massive Advertising campaigns...

No One Makes them..

ALL they have to do is convince you, the Real Estate Public soon to be the Real Estate Victim - to Confince you that they are who they say they are. To convince you that you need them, that they will Protect you in your Real Estate Transaction and that they, NAR members really are of a Higher Standard and then they Get to Stay in Business. This stuff is not true but by the time you find out they Gotcha and then the Real Estate Lawyers get a hold of ya and well YOU LOSE... to bad - so sad... the 3 +years you spend fighting for your life back the Realtor is making plenty more money and leave a wake of Real Estate Victims defensless just like You.
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NAR needs to Wake Up.

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You Need to Make them Wake up and take responsibility for their actions, for their members. You NEED to make them do what they say they will. You need to make them Be who the Claim to Be.

In quite corners everywhere, sits a Real Estate Victim who has give up, they are not being heard, they are the Real Estate Victim and they are treated as the Criminal. No one is holding the real criminals accountable, no one really believes the Victim and the cycle continues on and on. Time to Get your Story Global, Time to Connect the Dots on NAR and bring all the Real Estate Victims OUT into the Light to Tell What NAR has Done to them. To tell about local Realtor boards who did not hear their cries for help.

I am an EXPERT at Internet Marketing, you do NOT need a Realtor to sell your home, you only NEED You. If you have been mistreated by the Lies NAR is selling email me at Crystal@CrystalCox.com and let's get your story online and seen by the WORLD. Time to Tell on the Realtors.

You Awesome - Honest Realtors out there, QUIT ragging on me.... let's expose the bad Realtors, let's change the Real Estate Industry so you can do right by your clients, so you can thrive at your business with full integrity. If the bad Realtors are held accountable, truly held accountable then the Good Realtors will be able to do their job better - often times the bad Realtors are big shots, with Big Money and are part of the Good ol' boys club, and some of those Good Ol' Boys are Gals ... the Good Agents certainly cannot out play them... Time To Speak Up...

my realtor did not explain the exclusive buyer agency in its entirety

This was Search on my Site Today. Check out www.RealEstateIndustryWhistleblower.com for more information on this. I have lots of Opinions on Buyers Broker Agreements, Buyers Locating Forms, Buyers Exclusive Agency forms - what every Your Broker is Calling it.

First of All, Never EVER Sign an exclusive buyer agency FORM, this gives your Realtor a Right, by Contract to do NOTHING, to wait for you to find your own real estate to buy and they STILL Get Paid.

Realtors don't explain the form in it's entirety, some say well you have to sign this, it gives me the right to represent you. Or I can't Legally show you property without you signing it, if this is TRUE then the Laws are Again Anti-Consumer and are geared toward ensuring that the Realtor stays in Business and Big Business. your Realtor may believe what NAR tells them about the form or their Accreditated buyes agents class. And in this they may not know the "entirety" to tell you. But most know if they can somehow convince your sign that exclusive buyer agency FORM then they Kinda GOTCHA...

So Remember No Forms are REALLY standard in a way that you HAVE to sign as is, you as a Party to the Contract can change the form, don't sign ANYTHING you don't like. DO NOT listen to a VERBAL explanation that differs from what your reading.... get 3rd party advice that is NOT based on your Real Estate Transaction EVERY happening, you have a Right to Information with Integrity.

More On Buyers Rebate Drama

Your State Governing body may claim that NAR does not influence them but they do. NAR really pushes Mandatory E and O insurance, and the Insurance Company Representative goes to the “Board” or “Commission” with them. the Dept. of Justice Deemed Buyers agents were Legal and Made State Laws change, why were laws so Anti-Consumer to begin with?

I believe it is because NAR pushed, lobbyed and essential control state real estate licensing boards. Why else would a State Real Estate Board or Commission NOT want a Consumer Friendly Buyets REBATE and in Fact make it a Law that you cannot give a Rebate.

this ALL fit in with what NAR wanted until the Dept. of Justice - NAR lawsuit which NAR thinks they Won... they "Settled" they NEVER had to actually admit to how Anti-Conumer NAR really is, how they Reall DO violate anti-trust laws, how they DO NOT promote competition and individualty, NO WAY, they To Parcipate n Boycotts - the do not hold Realtors accountable for this BAD BEHAVIOR so they essential condone and support it.

Billionions of Dollars made it so NAR could KEEP fighting the Dept. of Justice and consumer YOU LOSE, because NAR has more money then the Government Entities that try and STOP them so they drag it out, drag it out and never really have to admit that they know REALTOR are GUILTY of anti-trust Violations and other Nifty Crimes while NAR ignores Broker Owners like me and Real Estate Consumers so they don't have to do anything about it or even admit it is REALLY happening.

NAR Lies... and They Cannot Be STOPPED.... YOU LOSE...
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What Happens when you Go to Local Real Estate Board for Help?

Real Estate Boards believe the Realtor over the Consumer… Duh… When you go to a Local Association, local board of Realtors you are NOT heard. Most of the time they just send consumers away, or act like they are sorry but there is NOTHING they can do. Meanwhile they spend hundreds of thousands - yes at the local level to join Real Estate Boards around the United States and March up those Steps in Washington D.C. to lobby to keep banks out of Real Estate and other Self Interest Lobbying of Your Government AGAINST you.

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You Just Shut up and Do as NAR Says,
after all they are the VOICE of Real Estate.
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As a Realtor, a Broker Owner I went to the Local Board of Realtors to help for Consumers and Was SHUT Down. I have seen, talked to, heard of, been emailed by consumers who are NOT being heard by the Local Board of Realtors. That is not what they are they for.

The Local Association, Board of Realtors is there to support Realtors, to collect monthly dues, to set up databases and spend HUGE money devising new gimics to keep the Public out of the MLS. They are NOT there for you the Real Estate Consumer. What are you thinking? REALTOR is NOT a public entity, they are not a government funded Anything. They do not Have to Listen to your WOES, they do not care and No One makes them care. They claim to be the Voice of Real Estate, you believe their Lies of how you have Better Protection By Using a Realtor, an NAR member and yet when you have been duped, lied to and your life is Forever Changed they cannot, will not hear you at ANY Level of the Association of Realtors. Things that Make you go Hmmmmm… STOP Using NAR members, not all are bad.. No Way… most are Good SO what .. The Good ones can not protect you from what NAR is up to at EVERY level.

Boycott Realtor…

From, Crystal Cox Broker
Ex-NAR member and PROUD OF the Decision to QUIT ...
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More Anti-Consumer Laws...

Laws such as the one I am about to Mention PROVES my POINT. State Governing Bodies Protect REALTOR big time.

Here it Is...

"County of Los Angeles Department of Consumer AffairsNew Consumer Laws 2007"

"Real Estate Agents: Can’t Lie About Qualifications

B&P Code Section 10177

Current law provides that willful misuse of trade names, including “realtor”, are subject to discipline by the Real Estate Commissioner by revoking, suspending or denying a license.
This new law strengthens prohibitions against real estate agents from falsely claiming membership in trade organizations or falsely claiming to have special designations or certifications.

This law prohibits knowingly authorizing, directing, or aiding in the publication, advertisement or distribution of any false statement or representation concerning a designation or a certification, including trade organization membership.

The Real Estate Commissioner is authorized to suspend or revoke a real estate sales license for this violation."

Link to Source Below

http://dca.lacounty.gov/law07REAgentsLie.html

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So this DUMB - Dispicable - Anti Consumer Law makes it so that Realtors cannot use TRADEMARKS of Realtor, makes it so Real Estate Brokers that are not REALTOR - NAR members cannot even use the Word Realtor on there website even if they are talking about a Realtor - an NAR member or they Will Lose their Real Estate License.

Laws Enacted CLEVERLY disguised as Consumer PROTECTION but are obviously one more way to Force you to USE a Realtor, NAR member and to Force Real Estate Brokers to be Realtors but then say it is a Choice to Join NAR - if they cannot in Good Faith make this claim then they are deliberately and obviously violating Anti-Trust Laws.

So If I were a Real Estate Broker in California and used the word Realtor I would be falsley claiming "special designations or certifications"? what a Crock...

Consumers wake Up, State Real Estate Commisisons are FORCING - NAR members on you at the same time NAR is saying it is a Choice for us as Real Estate Brokers to join their "association" - which I call a Real Estate Cartel. And this above information is from the Department of Consumer Affairs - are Governing Bodies really that clueless to the Anti-Consumer tactics of NAR?

So in Los Angeles, If I were licensed their and I said Confession of a Realtor, or Realtor ...., or talk to your Realtor about... , or Realtors are lying to you... well I would lose my Real Estate Brokers license... Tell me NAR does not control State Licensing boards and Real Estate Commissions - and I say that is a Flat Out Lie.
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Also NOTE that being a REALTOR is NOT a "Qualification" OF ANY KIND - you pay a fee to join, you Promise to uphold Ethics and Standards of Practice that no ones holds you accountable to - sure you have continuing Education so what you would have that if you were not a NAR member as well - you pay a monthly and yearly fee to be a "Realtor" - it is NOT a Qualification....
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the Brian Rodgers challenge

Brian Rodgers says that there is no way I can top him in the search engines for his name. So I take this as a Challenge and am going to give Brian Rodgers a try and Test my Internet Savvy Skills. Brian Rodgers is a Real Estate Coach, Seminer Leader and a site Moderator for Real Estate Forums. Brian Rodgers is a Marketing Guru and Brian Rodgers assists real estate agents in marketing... Brian Rodgers has a Real Estate Marketing and Training Series .... check it out.

So keep an eye out and see how the Brian Rodgers search engine challenge works out...

Crystal L. Cox
Broker Owner..
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Obama, and the talk about New and Improved accountability in the Financial Industry..

A Bit more about my Favorite OxyMoron.... "Realtor Accountability".

I highly doubt this has anything to do with NAR, the Realtors.

Does your Government really believe that NAR is the Voice of Real Estate.

The Government licenses us as Real Estate Brokers, and NAR is a Private Company RIGHT? Not a government entity. NAR tells me that real estate agents don’t have to join, they choose to join. Ok then don’t join, but then your NOT the “Voice of Real Estate” and you don’t get to see their secret data .. .. The mysterious MLS.

NAR pretends to have all these Fancy procedures in place, but in the Real World of Real Estate when you take a complaint to the MLS, the local or state association of Realtors they talk you out of it, force you out of it BEFORE you even get started... mostly based on WHO the "bad Realtor" is... NAR has no real accountability system in place across the board... it would be too much time, money, and actual work to really monitor what the Realtors are up to. So NAR just convinces you the Real Estate Consumer that you NEED a Realtor, that a Realtor is of a Higher Standard and will PROTECT you ... when it is a Flat Out Pack of Lies...

All NAR really needs to do is enough Mumbo Jumbo advertising to manipulate you the consumer and they stay in business... and WOW at the same time the new Realtors believe the propaganda to.. and wheeee... we are in business...

MLS data is NOT policed by the Government, those who supposedly watch the banking and mortgage industry, the National Association of Realtors or any other entity that supposedly is looking out for the best interest of the Consumer, the tax paying public.

You are at the Mercy of this Data. Reports, Grants, Statistics, Loans, Secondary Mortgage Markets, …. And many more industries base data and Big Money investing on the Data in the MLS as to what property is supposedly worth. It is all an illusion. And no one even tries to ensure that the data is accurate, inputted right, not fraudulent… in any way… no MLS audit in ANY way.

And you your state real estate boards …. Well they don’t look at the data that is up to the Realtors to Self Police their “industry”. Yet NAR attorneys tell me that I cannot say Realtors as a Synonym for Real Estate Agent or Real Estate Broker.

So really you pretty much have to join their CLUB - NAR or be excluded, boycotted, left out in the cold. NAR has so much money - Your Money (Realtors in the field and Consumers) that they can FIGHT and win in cases such as the Department of Justice trying to prove Anti-Trust Violations. The REALTORS settled, cut a deal and part of that deal was that they never had to admit any wrong doing.

I am here to tell you the REALTORS do, really do Violate Anti-Trust laws, and the Association of Realtors ABOVE those laws…. Money - Clout - Lobby Power… and You, the Real Estate Consumer…. YOU LOSE.

Realtor Accountability is No Where in Site. NAR was a MAJOR player in getting real estate consumers into the mess they are in now.. and so what.. now Realtors specialize in Short Sales / Foreclosure properties. So it is Win Win for the Realtor. NAR said it was a good time to buy.. even though the Supposed "voice of real estate' knew it was NOT a good time to buy. You see they had to Promote the Realtors, and get you the Consumer to think it was a good time to buy... so again... YOU LOSE as Real Estate Consumers.

I with this ACCOUNTABILITY speech we are hearing so much could STOP on NAR's doorstep and make them REALLY - actually accountable for what they have done and continue to do to the real estate consumer, however it looks like NAR and their Billions has no Price to Pay, is above the Law and has no end in site to the damage they will continue to do.

If only there was some way to warn the consumers, warn the Realtors in the Field.. but really THEY believe what NAR tells them too... Sad but True..

The Real Estate Industry is BROKEN at Every Level and the Only way for you to WIN is to know how to Really Protect yourself... I say get Realtors out of your Real Estate Transaction... and Mortgage Brokers along with them.. the Title Company actually closes the deal, a Real Estate Attorney is a Safer bet to Write up your Contracts.... and banks loan money ... so why are you Still buying into the Media ... the Propaganda that you need a Realtor to Sell your real estate?

Selling without a Realtor is EASY and is FREE... just build a FREE website online and go for it... buyers are looking for you...

Stay Informed Folks.. Real Estate is EVERYTHING.

r
Real Estate is where we LOVE, where we LIVE, where we EAT, where we WATCH our families grow, where we WORK, where we GET WELL... it means everything... it is a Big Deal.. it is OUR WHOLE world... and no one is looking out for you the People, the Consumer who actually has to LIVE in - Dwell in - Work in the Real Estate they buy.... it Really means EVERYTHING...
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Greeley Colorado Realtors

This Real Estate post is a Test Post for Greeley Colorado Realtors.

Y and M Real Estate is located in the Greeley Colorado Real Estate Market. Or shall I say (Marc)et .... Greeley Realtor Marc Oster Can help you with your Greeley Colorado Real Estate needs. Y and M Real Estate, part of the Greeley Colorado Realtors Association is your Greeley Colorado Real Estate Professional.

a Real Crime has Been Committed - the Codes of Law Broken - and no one can hold the REALTOR accountable - Why?

the Real Estate Lawsuit - Real Estate Attorneys - the Criminal Code - the Real Estate VICTIM is Treated Very Badly.. and no one is Really out for YOU, the Real Estate Consumer.

What if you Look up the Laws, the Code in your State that Apply to your Case and you file yourself against those who Broke the Law and Hurt you. You can file a complaint on your own behalf right? I am not talking about a complaint with your State Board, though go ahead and walk through that mumbo jumbo also. I am Talking about You Learning how to File a Complaint with the Clerk of Court and Getting Justice by Exposing those who committed fraud... Hmmm.

So Start a blog, Post all the Facts of What has Been Done to You. EXPOSE those who have lied to you and put you through years of Hell. It is not fair that they, the ones who committed the crime get to bob along in their life with no stress, and fearless pretty much.. while you have months to years of sleepless nights with no end in sight.

If you get an attorney, or talk to the Real Estate Industry Folks you will be deemed going after a Frivolous Lawsuit. They don't seem to care the proof you have, when I told the MLS - the local Realtor Association of Fraud, she called the Other Realtor, a C21 agent Broker owner and warned him... hmmm... There really is no end to the Lies, Deception and Fraud in the Real Estate industry.

So if the Attorney won’t really listen to you and is looking for the Quickest way out, meaning the quickest way to the biggest pay check whether it is in the consumers best interest or not then you, the real estate consumer are forced to find a better way.

If the real estate attorney does not really know what goes on in the real estate transaction between REALTORS and their real estate consumers , I have seen this first hand - so when this happens consumers have no where to turn and are left at the mercy of attorneys that treat them badly. And from what I have seen of the arrogance, lack of knowledge, the I am so busy attitude, the talking down to the client (real estate consumer) and getting paid big bucks to do it while treating you very bad along the way.. there is no end in sight. You need to know what to do to take matters into your own hands.

I have seen real estate attorney who buddy up with real estate attorneys on the “other side” even in known and proven fraud cases. Attorneys make deals behind your back, decide what you NEED - Deserve or Can Live with and who will get let off in “your” case. From what I have seen it is most of the Time the Realtor, the Realtor who committed Fraud, Lied, Failed to Disclose on many, many proven levels.

I have seen real estate attorneys who were clueless about what the Title Company has in a real estate file that could prove fraud, deliberate fraud against a Realtor. They don’t seem to believe that a title company could secretly protect a Realtor that brought them lots and lots of money. Real Estate Attorneys know more about the law supposedly then Realtors do, however, they don’t memorize all the laws - of course especially in Rural Areas when the attorney has to diversify what cases they take. Could be Murder today and Real Estate Fraud tomorrow.

In this when you bring them you real estate case, which represents your life, they have to look up and they decide which law is best to “go for”. Many laws may apply to your case, but the trick is which one is the quickest, easiest and with the least amount of stress and hassle to the Real Estate Attorney? That is Where Their Head is At.

Though State law may say that in cases of fraud, non-disclosure and a seller and Realtor lying to you, that you are entitled to the difference Between What you thought You were buying and What you got, plus all fees - out money it took to prove this. The attorney will decide if you deserve this and the attorneys negotiate back and forth on your supposed behalf, when really they are looking for a quick pay check.

You Give them this job and they say things like “If I don’t feel good about you I can’t fight for You”. And other wonderful lines .. The bottom line is they took a VERY good case and they are making VERY good money on a case that you had already proven for them.

The Real Estate attorneys decides what is “Good Enough” for you, what you can live with or "deserve" and they do this with the attorney on the other side of case and supposedly in your behalf.

They decide how long a “party” to the lawsuit gets to answer disclosure questions, and give them time to hide their assets. They decide if they will place a lien of any kind on personal property and they keep you in the dark for months to years while they do as they please. And you are to SHUT up, Listen up and do as they say. And you have no Choice but to sit back and take it, your whole life is at stake. You never get back the years of stress, rarely get back all out money and What you Deserve and THEY.. well they win. This is not right or fair and the real estate industry needs a make over at every single level.

The Real Estate Attorney, though I advocate using one for your closing to ensure protection Contractual Wise, they are not looking out for the real estate consumer any better then the Realtors are.

The Attorney keeps you in fear, they become your last hope, your life delicately in their hands.. You MUST Roar - Fight Back if they are not doing as you ask them to then file bar grevience against them.

Attorneys know right where they have you and if you don’t do as they want you to, and things get tense, they push you around and treat you badly, well then you fire them taking matters into your own hands and then the next attorney is leary, then the next … they look at you as “the Problem” - as a Loose Cannon when in Truth you’re the one being treated badly, kept in the dark, held back, controlled, lied to… by your TEAM that you, yourself hired to help you in your hour of need. They make BIG - Big Money and you Pay in Many - MANY ways and oftentimes for years on end.

This is simply another piece of why I feel that there is no system in place to Provide Real Consumer protection for the real estate consumer. You, as a Consumer have no way to show your Proof and to get justice of any kind. You have to Fight, to Pay, to Endure years of stress, to be humiliated and treated badly and oftentimes for years.. It ruins your life as you once new it and No One is Listening.

I Am listening…

Here is Something Else to Think about..

What About you Looking up the Laws in Your state, the Criminal Code, and the Procedure of enacting it. And you filing a complaint against those who committed fraud, without a real estate attorney. Why not start by filing charges, complaints not with just the state licensing board and the local MLS office who is not really listening but with the clerk of court. If they broke the law start a blog POST your proof, post the law they broke, post any evidence you have, file complaints with every agency though they are not listening (including the BBB - more on that later). And file a Complaint .. Learn much more about this.. Why not do this first and let things settle out before the attorney is on the payroll.

Deception, Fraud, Lies, Silent Fraud, Failed Disclosure, Flat Out Lies - this is FRAUD, it is Illegal, this is a Conspiracy, it is a Cartel keeping you down, and it is Morally and Ethically Wrong on every level.

If your Real Estate Attorney Does not Listen to Your Wishes, don’t get scared and just do as they want for fear you will lose everything, face them directly tell them what you want. Read the laws that apply - if they won’t go for those laws, then you yourself must file a Complaint, a Civil Lawsuit, a Fraud Complaint… don’t take the way they treat you lying down.

You know have an Advocate, ME, I get what your going through. Let’s Stand UP together and fight for your rights to an Honest, Fair Real Estate Transaction where the Real Estate Consumer Wins…

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You Deserve Better then NAR and the Current System in Place in the Real Estate Industry is Giving You.

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It is not Right or Fair in Any way when you have been lied to and a crime has been committed to you and the Attorney you choose treats you like the criminal and talks to you worse then those on the other side of your lawsuits. If you switch attorneys they make you, the consumer feel like your the problem, oh you keep switching, you must be "difficult".
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They tell you they are going to look up the best - cheapest approach at your lawsuit but in the Real World of Real Estate what they do is look for the best, quickest way for them to get the most money. And they talk down to you and keep you in the dark along the way.
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Do Realtors Create Distressed Sellers ?

Realtors do Lie. Realtors Create Distressed Sellers?
You cannot Trust that a Realtor is Really telling you about
all interested buyers or even all offers.

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What if your Realtor actually lies about offers, don't tell you that there is interest and drags you out for months to years to makes it seem like no one wants the place. Then they drive the price down by telling you that no one is interested, it is just the market the price is too high.. when really they got interest but don't want you to know about it.

Or they get you to lower the price saying it is market when really it is because they do not know how to market on the internet and actually get your real estate for sale found where buyers are looking for it.

Just Sell without a Realtor.
Get found on the Internet Where Real Estate
Buyers are Looking for Real Estate Sellers
and Cut out the drama.

You Sign the Listing agreement and everything changes, what DO you Do? Do you have ANY rights?

Is your Realtor forcing you to stay in a real estate listing agreement that you don't want to be in?

The Realtor promised certain marketing, promised to keep in touch with you and has failed, you want to FIRE them but your bound by the Realtor FORMS that are Intended to Protect the Realtor. How Do you Get Out?

Stomp your Feet, throw a Tantrum, DEMAND your Rights... Do not let the REALTOR run you over... Email me at Crystal@SavvyBroker.com and let's get your story heard. It is Unethical to keep you bound to this agent when you are unhappy for ANY reason... r

Getting Out of a Real Estate Listing r

It is your Basic Right.r

If the Realtor does not hold up their end of the contract then demand to get out.
rr
The problem is that the Contract, the Form is there to Protect the Realtor from you and your Frivolous Behavior. So... BEFORE you sign the listing, make a provisional form that says that if for any reason you are not satisfied with the Realtor's behavior or performance, the Real Estate Brokerages performance that you can cancel the contract at any time. The Real Estate listing is designed to tie the real estate consumer to it, but leaves no real, easy, cut and dried way to get the Real Estate Client - Customer out of the deal.
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It is unlawful, immoral, unjust, and seriously unethical to hold you to HAVE to work with this REALTOR no matter how bad they treat you after they convinced you to SIGN HERE.
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You Have Rights .. the Real Estate INDUSTRY.. the Realtors .. no longer have Cart Blanch to do as they please to the real estate consumer... now they answer to YOU.. they answer to ME.. Expose them.. Demand Your Rights to be treated with dignity and respect in your real estate transaction.. Before - During and After your Real Estate Transaction..

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What Does a Real Estate Broker Know ? Does a Broker Owner Know more then a Regular Broker?

I think that the Real Estate Industry, the Realtor, is a Big Hoax, an Illusion and they don't want you to know that you don't need a Realtor to Sell your Real Estate. NAR wants you to "Believe" you need a Realtor and they put millions into advertising to make sure you keep buying into their lies. They want you to believe that using a Realtor offers you better protection in your Real Estate Transaction.

They want, they need you to believe that they are "of a Higher Standard", to believe that real estate is soooo complicated you just have to use a Real Estate Agent, and not just any agent but an Agent of Really GOOD education, Ethics and High Standards a Real Estate agent that Boldly (Supposedly) chose to join the National Association of Realtor.

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You Do NOT need a Realtor, you simply need to get internet marketing, your Realtor does not really get internet marketing because they are buying into what NAR is telling them and it is NOT true. NAR teaches, trains Realtors on Internet Marketing that results in NAR or one of their cronies getting PAID... so everyone's hands are out and YOU, the Real Estate Consumer, Well You lose.

Many want to believe that it is Easier to List with a Realtor so they do, however the Stress, the time, the out money is greater when you use a Realtor though in the begining it may not seem that way. And should something Nasty arise in the future well the Realtor "Standard Forms" ensures that the Realtor is protected From you.

A Real Estate Broker is NOT trained in what the Real Estate Consumer thinks they are or the Consumer expects them to be. The "Realtors" courses are in NO WAY good enough to really protect the real estate consumer in the Real World of Real Estate. They teach us VERY basic stuff, and it is mostly to protect us from you. And it Works Good.

They want you to believe that we are taught Contract Law, for REAL.. yet the few sentences and terms we learn in that one week real estate school could in NO WAY help us to keep our real estate consumers out of trouble. It is all an Illusion and you need to STOP buying into it. Keep your Money, don't take the abuse I see daily that "some" Realtors do to there Real Estate Consumer. Make a Stand, Demand your Rights, Sell without an NAR member. They are NOT of a Higher Standard.

Take it from a Real Estate Industry Insider, a Real Estate Broker Owner, a Real Estate Whistleblower who QUIT the Association of Realtors due to their lies, their lack of really being able to enforce Ethics or even trying and they cartel ways that push their products, marketing and advertising on us while at the same time selling us courses to better our education and we still don't know what we really need to.

Knowledge is Power.

You Deserve Better then NAR is Dishing OUT.
Don't believe their Ads, their Games, their Recruiting..

It is All Lies and Illusions...

How DO you get Out of a Real Estate Listing ? Hey.. if you don't want to be STUCK with that REALTOR .. it is not fair to MAKE you.. FIGHT..

Is your Realtor forcing you to stay in a real estate listing agreement that you don't want to be in?

r
The Realtor promised certain marketing, promised to keep in touch with you and has failed, you want to FIRE them but your bound by the Realtor FORMS that are Intended to Protect the Realtor. How Do you Get Out?

Stomp your Feet, throw a Tantrum, DEMAND your Rights... Do not let the REALTOR run you over... Email me at Crystal@SavvyBroker.com and let's get your story heard. It is Unethical to keep you bound to this agent when you are unhappy for ANY reason...

Getting Out of a Real Estate Listing

It is your Basic Right.

If the Realtor does not hold up their end of the contract then demand to get out.
r
The problem is that the Contract, the Form is there to Protect the Realtor from you and your Frivolous Behavior. So... BEFORE you sign the listing, make a provisional form that says that if for any reason you are not satisfied with the Realtor's behavior or performance, the Real Estate Brokerages performance that you can cancel the contract at any time. The Real Estate listing is designed to tie the real estate consumer to it, but leaves no real, easy, cut and dried way to get the Real Estate Client - Customer out of the deal.
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It is unlawful, immoral, unjust, and seriously unethical to hold you to HAVE to work with this REALTOR no matter how bad they treat you after they convinced you to SIGN HERE.
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You Have Rights .. the Real Estate INDUSTRY.. the Realtors .. no longer have Cart Blanch to do as they please to the real estate consumer... now they answer to YOU.. they answer to ME.. Expose them.. Demand Your Rights to be treated with dignity and respect in your real estate transaction.. Before - During and After your Real Estate Transaction..

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Water Rights - What do you Really Need to Know... You May Be Buying a War like you have Never Before Experienced

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Water Rights can be a Major issue in buying real estate. Water Rights issues are bigger - way bigger then the piece of paper that says whether you have water rights or not.

The Law is seemingly irrelevant, what really matter is what your real life will be like after you buy, will your neighbor prevent you from actually using this right, will you fight in court for years to get your neighbor to STOP what they are doing to prevent your water flow, only to have them sneak in and do it again?
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Check in with the Rumor Mill

Talk to Neighbors, other area landowners
Find OUT More BEFORE you BUY..

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Do Realtors Create Distressed Sellers?

www.RealEstateIndustryWhistleblower.com

FSBO - Selling Without a Realtor

the Realtor - the Seller Lied, Cheated, Committed Fraud, Failed to Disclose.. you the Buyer .. You Lose - Sellers Hide Assets - Realtors have E and O.

the Seller hides their assets, the attorney looks the other way while they do it. Real Estate Lawsuits treat the Victim as the Criminal and strip you of basic human rights. The One who committed the crime is treated better then the one hurt by the Real Estate Fraud.
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The Realtor Fails to Disclose, Commits Silent Fraud ( hey if they say NOTHING is that Lying).
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the buyer did not get what the Realtor advertised that they were getting, oh well... we got your money now.. whatcha gonna do about it...NOTHING.. that's what we thought.
R
The Realtors should not get to lie so bad that you lose everything, you spend years in a very stressful real estate battle because of their lies and the National Association of Realtors and the LAW does not back you up.. you have to fight to get what you thought you were buying in the first place.
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There are no real elements in place that Protect the Real Estate Consumer from any kind of real estate fraud in their real estate transaction.
r
the National Association of Realtors wants you to believe that they HOLD Realtors, NAR members accountable for "Bad Behavior" - "(ethics and standards of practice violations) but in the real life of real estate NAR at any level does not hold the Realtor accountable, you have no real Recourse when the Realtor lies. Go ahead and sue, you will be treated SHOCKINGLY bad by people on your team, Realtor in your town, your neighbors, people you thought were your friends and by the real estate attorneys you pay....
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NAR puts out really big money in ads to make you think they really are of a "Higher Standard" and that they are the "voice of real estate". But really they are not of a higher standard and they have no intention of holding a Realtor to the Higher Standard that they brag about to get you to use a Realtor.
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So what Does a Real Estate Consumer Do?
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Hmmmm... that's a Very Good Question...
and the Answer, well what does one do when absolutely no one is listening no matter how much proof you have... I say you TELL On them. Don't go to NAR at the national, state or the local level.. they don't care.... they send you away... they are NOT listening..
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Don't go to your State Real Estate Regulators they have to Protect the Realtors or get sued, and they don't have the kind of money that NAR has. NAR controls those who govern real estate - one way or another...
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So start a blog for FREE at blogger.com , post your proof, your videos, tell your story in great and factual detail... then email me a link at Crystal@CrystalCox.com and I guarantee that I will get you heard....
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Crystal L. Cox
Real Estate Consumer Advocate
and Self Named
Real Estate Industry Whistleblower.
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And you thought No One was Listening.....
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the Real Estate Lawsuit - I get what your going through.. and they are NOT listening or treating you with Respect

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Buyers Agents - Buyers Locating Forms

NAR uses your Real Estate Listing for Content on Their Website so they can sell ads.. and more...

the National Association of Realtors does alot more with your listing then you know. They use your photos, your content, information on your town and your area as SOMETHING interesting for consumers of all kinds, 99 percent of them will NOT even be interested in your real estate for sale... but hey... who cares... it is about getting website visitors so that those who make money from Realtor.com and their other real estate sites can have a supposed, legitimate reason for people from EVERYWHERE To go to their site so they can sell them stuff... and charge advertisers for EVERYTHING to be on their site... shhhhh don't tell your neighborhood Realtor..
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NAR wants them to keep on believing what they are dishing out and to keep convincing you that your REALLY do NEED to be on thier websites to sell faster, better and for a higher price .... oh and don't forget you get more protection using a Realtor Right? .... NOT....

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Confessions of a Realtor - Marketing Online

the Real Estate Lawsuit - When do you Walk away.. what do you do after the Fact.

Standard Commission and Anti-Trust Violations

www.RealEstateIndustryWhistleblower.com the More you Know.. the better off you are...

Signing a Real Estate Contract that says "As Is"

Should you Sign a Real Estate Contract that says "As IS" - well don't this.. it is bad for the Real Estate Consumer. Real Estate Contracts are to Protect the Realtor and if the Seller or the Realtor, usually the Seller with this one, if they want an "As Is" - look a little deeper BEFORE you Buy.

www.RealEstateIndustryWhistleblower.com

Dual Agency - Good or Bad for the Real Estate Consumer ?

the Truth About Dual Agency, I know a tough Subject. More at www.RealEstateIndustryWhistleblower.com - in case you hadn't noticed.. I am quite certain in my stance on Dual Agency.

Reverse Mortgage Advice

the Websites say that you have to over 62 to get a Reverse Mortgage.

Is a Reverse Mortgage the Way to Go? I mean what benefit is a Reverse Mortgage Really? I use to think it was an awesome way to have security whey your older. You spend your life buying your house and when your older then you can use your house to support your life.

The thing is who knows when your life will end and we want to live Right ?

With a Reverse mortgage, there is nothing paid on the principal of your loan. So the interest ads on top of the loan, and it does this over and over, month after month, year after year. In this your home Equity is eaten up pretty fast and you are out on the street.

This works GREAT for those giving you the loan, they get to use up your equity very fast and move you on out, then sell your home. Or even it does last until your passing, your heirs are left with not much of anything.

In my Opinion, as a Real Estate Broker owner from what I have seen, Studied and Read, I would say it is better to get a line of credit, or a home equity loan to live on and use it to make payments. This way you are not just letting it add on top of itself and in a sense pressure you to get busy dying.

I want you to live, this is your hard earned equity. If you don't want to move please research other options, all those ads targeted at YOU are not for your benefit. Selling may be the best option then you can use your money for rent and a nice life. You may also find a buyer at the right price who will give you a life estate, so that you get the money but get to live there the rest of your life. Even if you give the buyer a really good deal it is better then the Stress and Deadly affects of a Reverse Mortgage.

Find Out More...

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Knowledge is Power.

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Crystal L. Cox

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Broker Owner

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www.RealEstateIndustryWhistleblower.com

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no Nonesense Real Estate Advice.

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Are you Still Using a Realtor? Selling Without a Realtor

It is 2009, the Internet is in Full Swing, over 90% Real Estate Buyers are looking for Real Estate Online. Realtors are not giving you targeted internet marketing they are giving you the MLS and Realtor.com , this is in the best interest of the Realtor and the National Association of Realtors. You see if they can get you and your buyers to their website, they can sell them other stuff. Be it houses, mortgages, insurance, lawn chairs, books, furniture, investment companies, you name it. So getting your signature on the Line of the Listing means a whole lot more then just the Listing or the Commission your Local Realtor Gets.

Realtors pay dues to their Franchise (which offers NOTHING to protect you). Realtors pay dues to the National Association of Realtors, Realtors also pays NAR for supposed accreditations that means nothing to the real estate consumer. Realtors pay NAR to be on Realtor.com and to subscribe to all the Techno Gimiks the National Association of Realtors is selling this week. YOU, the Real Estate consumer end up really paying for all this.

So your Real Estate Listing means a whole lot to a whole lot of people, your listing is supporting much more then just the Commission to your Realtor and that Money is Yours. Oftentimes people are talked down to, treated bad and pushed around by their Realtor at the same time as they are Giving them their Hard earned Equity.

The National Association of Realtors keeps up the Image, the Ads, the New Billboards to Ensure that you think you need them and that you think by using a Realtor that you are somehow more protected in your real estate transaction, but this is not true. It is Propaganda and a Flat Out Lie.

With the Power of the Internet you Do NOT need a Realtor to Sell your Real Estate. Don’t Be afraid, we don’t do anything really anyway. The title company closes the deal, their attorney looks it over. With or without a Realtor you need to make sure that you are protected in your real estate transaction. You need to look at all paperwork, make sure you understand and change the things in your paperwork that you don’t like, you are a party to the contract and can change anything. No one can protect you as well as you can.

Realtor Forms are geared toward protecting the Realtor, don’t sign them unless you fill in every blank, change what you don’t like or don’t understand. You can close a “Deal” with a sentence or two on a napkin. The title company closes some pretty SHOCKING stuff. Why the Realtors have all those pages is to Protect them and NOT to protect you so Don’t Use a Realtor, Sell without a Realtor.

Crystal L. Cox
Broker Owner
Real Estate Whistleblower
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The Reality of Suing For Specific Performance

Suing For Specific Performance is not what it seems to be. However, it is a favored threat that will usually get a Real Estate Consumer to Do what the Realtor wants them to.

When a Buyer or a Seller wants the other party to follow through on a signed contract but they don't want to, they take it to the courts and they sue for Specific Performance. Trouble is, it often takes years to resolve and there are many "contractual" loopholes as well as he said - she said things that get in the way. Obvioulsy it is best if all parties agree. If a buyer forces a Seller to close, oftentimes it is because the buyer has another buyer. And the Seller can play this game to, they can refuse to close on their real estate transaction with the first buyer because they have another buyer that will pay more waiting in the wings.

I have seen Mortgage Brokers facilitate real estate transactions, yes illegal - yes unlicensed - and no - no one cares, anyway I have seen these closings go to the Title Company, no problem, without a signature from the buyer, whereby the mortgage broker changed the document and all kinds of fraud was taking place. All the while the title company, First American Title, saw no red flags or problems with any of it. The Seller sought out my help as a real estate consultant, I charged nothing, and through examing this shady deal, the Seller walked out of the deal pending a new "legal" contract.

The big bad mortgage broker got mad and told, yes told - and yes they listened, told her buyer to get an attorney and to sue the seller for specific performance. The buyer did, and the real estate attorney took the case. This attorney bullied the seller into thinking they had to sell their home under these conditions. I advised the Seller to step back and take a look at all this a bit harder. I told them that if they still wanted to sell and had no money then they should have the Buyers Attorney wirte up a new deal that was legal and that they were happy with. I also told them they had NO binding contract.

I do not need to be a real estate attorney to know that with no legal description and no buyers signature the Seller could NOT be sued for Specific Performance and the Real Estate Attorney was Flat Out Lying to them, and trying to bluff them into doing what the buyer wanted. You see the Real Estate Attorney believed the Mortgage Broker without even talking with the Seller.

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I have also seen Seller just change their mind, after a signed contract and the Realtor says ok, but my client will be forced to sue you for specific performance, after this the Seller usually give in at the thought of a lawsuit. The Truth is if you dig your heals in there is not a whole lot a buyer can do to make you sell, yes a court can take years to make you sell at that price, but is really worth it. Meanwhile the digruntled Seller is living in the home, knowing that at some point if the buyer wins they will get their price, but meanwhile they live there for free. Oftentimes in this situation of harassment and diress they may damage the property, they may stop paying taxes and bring further adverse situations onto the property that the future buyer will have to deal with. If the Seller does not want to sell and is willing to go past that first "bluff" of suing for specific performance, then I say seriously think about walking away. The years, the money, the stress and time ahead of you may not be worth it.

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I have called the "Bluff" before when a Realtor tried to tell me that their buyer would sue me for specific performance, I said, come on you know how long that would take, the Realtor said yes my last one was six years. So I said my Seller does want to sell but you know that you cannot sue us for Specific Performance. In this instance the contract had many issues where the Seller could have easily chose not to sell.

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So though you should follow through on a contract you signed, still there are many loopholes to get out of it and NEVER - Ever take the Realtors would for it. Dig you heals in, if you don't want to sell or feel something is wrong with the deal, Do Not Sign until your comfortable and if your never comfortable then don't sign. When and if you have your day in court, simply tell your reasons why, back it up with as much information as you can and don't let The Realtor Bully You.

Is it Worth It to Pay for Title Insurance ?

I believe title insurance is just another way to get your money and provide no real service. I have seen properties change hands with a different legal then the Seller was Selling.
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Title Reports cover a Legal Description supposedly and not an address, property type or certain acreage.
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I have seen the Title Report / Title Insurance Miss huge debt / liens on a property. I had to bring it to their attention, Shocking But True.
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And some Realtors PUSH for you to buy an additional title insurance for the time of escrow, apparently some Title Companies are too lazy or don't include in their HUGE fees to check for debt more then once, so they check in the begining, and hope for the best. If you want them to check before the Actual closing then you have to pay more. Kind of makes a good case for a quick closing.
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If this is NOT true then why sell an additional Title Insurance for the time of escrow in case there is other debt. Seriously I had a Seller that was buying in Washington, the Listing Realtor was in Idaho but the property was in Washington, she, the Realtor tried to make the buyer pay for additional Title Insurance to cover the escrow period.
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Talk about Scams. And why was the Realtor even involved in pushing MORE Title Insurance on to the Real Estate Consumer.

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It is Impossible to Be an Honest Realtor

Where is the Glitch ? Who is the Problem ? Why are Consumers Not Protected from Realtors ? Why are Realtors NOT encouraged to Obey the Law ? Why are No Realtors Held to Ethics or to Standard of Practice.

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There will Be Many More Messages to the National Association of Realtors asking them Why They DO NOT enforce Ethics or accountability or even encourage it.

Realtor

Why NAR does Not even Care to make sure that their members are obeying the laws, following the Code of Ethics and Doing Right By the Consumer.

Realtor

Why Does the NAR encourage E and O insurance to Be Mandatory when it Protects the Realtor and in No Way Protects the Real Estate Consumer.

Why Do Realtors Not have to Actually Prove things like "Lake Access" when they advertise a property has access and the buyer is left to fight for what was promised to them in the Buy Sell?

and Oh... So much More...

Why?

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