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"Toby knows the key to success is very simple – listening. He's a consummate professional who's dedicated to listening to what his real estate clients want. With hard work and business savvy, Toby creates nothing but exceptional results when it comes to their home sale or purchase. "My clients work hard for their successes " ... view Toby Davis
I specialize in: Waynesville, NC - Arden, NC - Candler, NC - Weaverville, NC - Hendersonville, NC - Asheville, NC -
Abutting refers to Abutter, and Abutter is a term similar to “neighbor”. While the latter can refer to people literally living next-door as well as people that live across the street from each other, or within the same street, the former – Abutter – is mor ...
The definition of credit risk is at the core of lending. Banks lend money to businesses and individuals and expect to recover the principal and win interest. Banks offer a variety of loans, each designed for a particular group of borrowers from the market. On the one hand, people ...
Mortgage banker is the person or business that originates mortgages and receives payments. The mortgage banker typically sells these mortgages to investors and obtains service fees for the loans. The mortgage banker is a major initiator of Federal Housing Administration (FHA) and ...
The definition of the price-to-rent ratio is very important for real estate investors. This ratio is a measurement for the affordability of a particular rental property and tells investors whether it is better to buy or to rent in a certain geographic area. As the definition say ...
Generally speaking, an affidavit is a written statement or declaration, made under oath before a licensed individual, such as a notary public or even a Judge. You’ve probably heard the term on police and legal courtroom TV shows. In other terms, it’s a legal testimony ...
America remains a top tourist attraction worldwide, with over 79 million foreign visitors a year. Many are seduced by the American Dream and sooner or later they wonder how they could become owners of real estate in the US. Although more than 70% of foreign real estate investors ...
You know what is the truest answer to “who can put a lien on your house”? Yourself. We’re not trying to be smart here; it’s the truth. Failing to pay up a debt is what gives way for a lien to be put on an asset like a house, so, a broad answer to wh ...
Since real estate is one of the most valuable assets on Earth, architects and builders have to comply with a number of building codes, depending on the size and destination of their buildings. The International Residential Code (IRC) applies to one- and two- family dwellings, wit ...
Wondering how big is an acre?It is common to hear people say that it's almost the size of a football field without both end zones. But sometimes *almost* is not enough and you need to know exactly how big is an acre.First, you need to understand that an Acre can be measured in an ...
Wondering what is the effect of paying extra principal on a mortgage – if there’s any? Well, it actually does have a big effect and – if you do have available funds to do it - you should definitely take advantage of that. By paying more than your set principal ...
You’re researching your options regarding a homeowner’s insurance policy and you’re wondering which to get; there are so many! Then, your real estate agent, a great experienced guy, says: just get the comprehensive homeowners insurance. And you say: ok, but ...
Wondering what is the cash offer definition? Well, the cash offer definition is pretty much what it says, an offer made in cash. But aren’t all offers cash? No one buys a house giving cows in return for the property… Actually, you’d be surprised how many peo ...
Home Types Home Buyers Often Overlook
There’s a long distance between “common” sense and “good” sense, and most of the times, when it comes to real estate, “common sense” is just garbage. Do we sound too bitter? We’re sorry. It’s just how it is, and the reason for that is because real estate is constantly changing. Furthermore, because housing is a ...
6 Tips To Better Manage Your Vacation Rental
Do you have a vacation rental? Or do you want to invest in one? Read the following tips to improve your business skills. Wise real estate investments have changed lives for generations. Actually, 45% of real estate investors buy properties with the intent to rent and earn extra money. If you’ve purchased a rental property in an attempt to get rich quickly, you might ...
Innovative Ways To Sell And Buy A House
What do you do when your listed house sits on the market way longer than you anticipated? It’s time to get creative and try some alternative ways to sell your house! According to major listing websites, in 2018, a property spent roughly 68 days on average on the market - a post-recession low. Homes sell twice as fast than in 2010 when 140 days was the average time ...
Why Are There So Many Different Types Of Loans?
Ever since childhood, I have seen the many faces of debt. A big statement, you might think, but my parents’ debt greatly impacted my life. When I look around, however, not everybody talks about debt as a dreadful experience. Why? Because they knew which loan to choose from so many different types of loans. And even if they have a hard time with their payments, they ...
Most Common Homeowners Insurance Claims
Are you in the midst of closing your homeowner’s insurance? Trying to save every little penny figuring all the insurance questions we always ask ourselves? Do I need Flood Insurance? What about earthquake? Is there any end in sight for this eternal money spending?Although we do recommend getting the most comprehensive homeowners insurance you can, let us ...
Benefits Of Owning A Home Vs. Renting
Do you want to make a conversation with your friends more interesting? Start talking about the benefits of owning a home vs. renting one and you will see how many different opinions there are. Everybody will take sides, and at the end of your fight - because it’s very likely it will degenerate - you will still be left wondering what the pros and cons of buying a ...
Questions To Ask When Buying A Condo For The First Time
When my mother bought her first condo, she didn’t listen to anyone, not even to me, her own son. She was all by herself. Three years later, unable to keep up with the payments, she was forced to move out and recovered less money than she’d expected. I was crying inside because I couldn’t help her. Hopefully, you will let me help you avoid the same pain ...
Real Estate Terms Every Home Buyer HAS To Know!
Real Estate can be tricky sometimes. Real Estate Agents use a lot of particular words and jargons that almost make a dialect of its own. And you, the home buyer, who just wants to find the perfect home and acquire it suddenly has to learn all of those weird real estate terms on your own to make sense of whatever the heck those real estate agents are talking about. You ...
Real Estate Terms Every Home Seller HAS To Know
You’ve finally put your house on the market but every word that comes out of the real estate agent and potential buyers (or their real estate agents) seems like a foreign language to you. You just nod and try to stay in the loop reading the emotions from your real estate agent. If you took the For sale By Owner route… yikes! Even worse. You’re ...
Real Estate Agent Salary Vs Commission
From time to time we come up with forecast articles about new disruptive technologies like Self-Driving Cars, Cryptocurrencies, Blockchain and overall trends like the fact that the US Life expectancy is dropping, and the most pessimistic agents start to stock food for the long winter and predict the complete extinction of jobs and total machinery take over. Take it ...