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Save Thousands By Listing Your Home On Flat Fee Mls Listing
By Stu Pearson
Selling your home on your own can save you a lot of money, and yet most people still use a realtor. One reason is that realtors actually do have access to marketing tools you don’t generally have. That, though, does not have to be the case. Take, for instance, the Multiple Listing Service (MLS) used by almost every realtor.

The MLS is a crucial part of marketing your home. Since about 70% of home buyers begin their search on the internet, it is very important that your home be listed in MLS. However, you generally have to sign with a and pay a commission on your sale if you want to be in MLS. Essentially it ends up costing you tens of thousands of dollars to list on MLS then.

The answer is to save thousands by listing your home on a flat fee MLS listing. In many states, even a home for sale by owner can be listed on the MLS. To get your home listed, you just have to pay a one time flat fee. Since in most cases the amount is less than $1000, you really do end up saving thousands of dollars.

The only difference between your flat fee listing and the listing is that you get listed with zero service. However, you still do get the opportunity to reach all the buyers, brokers, and realtors with access to MLS. Additionally, many other websites link to listings in MLS so your home will be exposed to a lot of people. Exposure is half the battle when it comes to selling your home.

MLS is a significant marketing tool because of its reach and popularity. Every and broker in your area will have access to your listing. That means that their customers,

Illinois and Wisconsin Mortgage Rates as of 11/19/2008 9:47 AM CST : Current Mortgage Rate Trend: steady
30 Year fixed: 6.000% (6.062% APR) 15 Year Fixed: 5.750% (5.854% APR) 30 Year Fixed Jumbo 7.500% (7.524% APR) 5/1 Jumbo ARM: 6.350% (6.373% APR) 5/1 ARM: 6.125% (6.188% APR) 3/1 ARM: 5.750% (5.791% APR) 30 Year FHA and VA: 6.500% (6.687% APR) 30 Year Rural Housing: 6.500% (6.687% APR) 3/1 ARM Lot Loan: 6.875% (7.034% APR) 1/1 ARM Lot Loan: 6.725% (6.882% APR)
Illinois and Wisconsin Mortgage Rates as of 11/18/2008 9:29 AM CST : Current Mortgage Rate Trend: steady
30 Year fixed: 6.000% (6.062% APR) 15 Year Fixed: 5.750% (5.854% APR) 30 Year Fixed Jumbo 7.500% (7.524% APR) 5/1 Jumbo ARM: 6.350% (6.373% APR) 5/1 ARM: 6.125% (6.188% APR) 3/1 ARM: 5.750% (5.791% APR) 30 Year FHA and VA: 6.500% (6.687% APR) 30 Year Rural Housing: 6.500% (6.687% APR) 3/1 ARM Lot Loan: 6.875% (7.034% APR) 1/1 ARM Lot Loan: 6.725% (6.882% APR)
2009 FHA Loans Limits for Wisconsin and Illinois
Beginning January 1, 2009, FHA will insure single-family home mortgages up to $271,050 in low cost areas and up to a maximum of $625,500 in high cost areas. The February 2008 Stimulus Package temporarily raised the FHA maximum to $729,750 through December 31, 2008.
Effective July 14, 2008 FHA mortgage loans will charge new mortgage insurance premiums
Effective July 14, 2008 FHA mortgage loans will charge new mortgage insurance premiums based on a combination of credit scores and percentage down. FHA will implement risk-based premiums on one- to four-unit single family mortgages.
Illinois First Time Home Buyer Mortgage Wisconsin First Time Home Buyer Loans
We pride ourselves on being able to assist the first time home buyer in learning and understanding the process. We take the time to review the credit process and explain the various lender programs available.
Illinois FHA Mortgage Wisconsin FHA Mortgage (Federal Housing Administration)
Ameristar Mortgage offers Illinois and Wisconsin FHA mortgage loans to Wisconsin and Illinois residents: Purchase a home thru FHA with no money down (100% financing). Cash our refinance with an FHA mortgage to 95%. Ameristar Mortgage is an approved mortgage broker for FHA loans in Wisconsin and Illinois including Chicago, Milwaukee and Madison.

the buyer of the area, are going to be exposed to your listing as well. Considering that you are saving thousands by listing your home on flat fee MLS listing, your sale will be able to net you more money. Additionally, because you are saving on commissions, you are also able to effectively come down on your price more to seal a deal. That can be the difference between a buyer taking your home or another one. Then, in the end, you still end up saving money by selling on your own.

The other way you save thousands by listing your home on flat fee MLS listing is that you can avoid paying the local newspaper, real estate channel on cable, or real-estate papers from your neighborhood to have your properly listed. Once you are on MLS, there is no need to worry about other such listings since you may end up exposed to them anyway.

It is a fact that you can save thousands by listing your home on flat fee MLS listings. You can also save money just by the mere fact that you are selling as owner. By saving on commissions and fees you can afford to be much more flexible with your home sales. The flat fee listing will allow you the marketing you need to sell in an efficient manner.

Stu Pearson has an interest in Finance related topics. To access more information on mls listing or on mls real estate listing, please click on the links.