Category: Uncategorized

When you know it’s time to sell your house, there’s a lot to prepare it for. Will it need repairs first, or will you be selling a house that needs repairs? This is a tremendously important decision to make as it affects how quickly your home will sell. It will also determine if you’ll receive market value for the home.

Conducting an accurate assessment of your house’s current state may lead to a list of necessary repairs, including both extensive and cosmetic ones. The decision then focuses on whether you will make all the repairs, some of the repairs, or sell the house just as it is. The amount of money you have available to spend or the amount you wish to invest in making repairs determines the route you take.

Another factor to consider is how quickly you wish to sell the house. You may find yourself unable to pay the mortgage, need to move suddenly, or inherit a house you don’t need. Weighing the pros and cons of selling a house that needs repairs can help you reach your particular situation’s right decision.

What is Meant by Selling As-is?

To sell your house as-is means you are offering the house in precisely the shape it is. This means no further repairs, warranties, or other offerings or assurances.

If you choose to sell a house that needs repairs as-is, there are several things you need to know to be sure you obtain the best result.

Selling Tips for a House that Needs Repair As-Is

Selling property as-is will not be as simple as throwing up a for-sale sign and hoping for the best. Whether you decide to work with a real estate agent or plan to sell your home all on your own, you will need to do a few things to ensure the house sales and sales quickly. Five essential steps you can take when listing your home for sale as-is include:

• Consider paying for a pre-inspection report. While hiring a home inspector does involve an expense, it can also provide valuable information to help you determine the price to ask for. It also will show you are in full disclosure to a buyer. Buyers respect this, realizing you are sincere and not trying to pull something over on them.
  
  Of course, the buyer will more than likely have their own inspection conducted to confirm the house’s value. If you choose to work through a real estate agent, this report will help determine how best to sell your house and how to target buyers, such as property investment companies or those looking for a fixer-upper.
  
  
• Add “as-is” in your sale listing. You want the right type of buyers looking at your ad and contacting you or your agent. By specifying you are selling as-is, the potential buyer knows you stand firm on not providing any repairs now or in the future.
  
  
• Highlight selling points. You will want to focus on your property’s positives, such as the one-year-old HVAC, new countertops in the kitchen, or ample storage space in the house and garage.
  
  
• Mention location.If the house is sitting in a specific neighborhood, location, or on a piece of prime land, this is a positive in the selling process. Be sure to include this location in your description. Also mention surrounding assets, such as parks, schools,  or walking distance to stores.
  
  
• Set a realistic price. Putting thought into the price you are asking by understanding the house’s actual shape and the market surrounding your neighborhood will allow you to set a realistic price that you can accept and that buyers will appreciate.

Who Buys As-Is Properties?

Selling a house that needs repairs will require knowledge of the type of buyer interested in these properties. The buyers of as-is properties are unique, differing from those looking for turn-key or minor flawed homes. Understanding these buyers is a crucial step to selling your as-is home quickly and for an acceptable dollar amount. So, who are the buyers interested in as-is properties?

• Location seekers.Often, it’s all about location. For example, you may know that you live in a neighborhood situated in a good school district. Rarely do many homes come up for sale, and when they do, stiff competition arises.
  
  Parents may be looking for other options, and, in turn, they are willing to put in some elbow grease remodeling a home if it’s in their ideal neighborhood. Promoting the positive about your location in your for sale advertisements can bring these buyers straight to your door.
  
  
• Cost-strapped buyers. Ready to buy their own home but low on cash, cost-strapped buyers are looking for as-is houses to work on over time. Home ownership is a desirable goal for many, and often they will accept less perfection to gain that ownership.
  
  Many of these types of buyers will have construction and home remodeling skills. They plan to make repairs themselves and see your as-is home as more of a doable project than a house in disrepair.
  
  
• Distressed home buyers. Perhaps the most recognizable buyer of an as-is home is a house flipper or investor experienced in purchasing distressed or as-is homes. The advantage of working with a distressed home buyer is that the process is usually quick, including full payment.
  
  These are often referred to as cash buyers, such as Meli Homes.  This no-hassle process with a quick turnaround could be your best option for selling a house that needs repairs with less effort.

Meli Homes Buys Houses As-Is

If you are looking for a quick, simple way to sell your house as-is in Central Florida, look no further than Meli. We make the entire home buying process seamless, usually completing the sale and purchase within 30 days. Contact us today by calling (407) 338-4183 to schedule your walk-through. We are here to answer your questions and give you the support you need.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://pixy.org/4262432/

https://www.flickr.com/photos/usacehq/2883978714

https://www.pxfuel.com/en/free-photo-xhpcn

It can be stressful when you discover that you have a distressed property.  Uncontrollable external factors can result in outstanding mortgage payments or tax bills. Before you know it, if things don’t change, you’re facing the reality of possible foreclosure or selling your house as a distressed property.

Or, maybe your circumstances are different, there aren’t issues with your mortgage or late payments, maybe things have simply changed. Life happens, and it can happen quickly. Whether it’s a divorce, relocation, or family death, you may need to sell your house quickly and don’t have the time to go through the usual selling procedure and sell it on the open market.

It’s easy to feel overwhelmed and alone at such a time; you may not know how to sell a distressed property. Yet, you don’t have to be alone. You’re not alone. With our help, you can make the process of moving on as painless and productive as possible.

Looking at the Numbers

Let’s start with the stats. In 2016, 7.3 percent of all U.S. home sales were distressed sales. However, this was the lowest it had been since September 2007. It peaked in January 2009, making up a total of 32.4 percent of all home sales, with 27.9 percent of that share coming from REO (real estate owned) sales. This timing reflected the economic crisis at that time. Before this crisis, sales from distressed homes typically held 2 percent of that share.

These figures show you are not alone. So if you find yourself needing to sell your house quickly, there have been others—many others—who have been in your position.

Dealing with the Stress

Because we work with people in your situation, we’re very familiar with how you must be feeling. Whatever the reason for needing to move from your distressed home, there’s no doubt there’s stress involved.

Selling your house and moving is well-known as a significant stressor; add in the factors that require a fast sell—the sort of factors you’re facing—and the stress levels are exacerbated.

Selling Your Distressed Home to Meli Homes

We’ve made our process as straightforward as possible. There are four steps:

1. Contact a member of our team. You’ll find our contact information on our website. After you have initiated contact, we’ll get in touch to schedule a walkthrough. You can also contact us if you have questions or concerns that need answering. Don’t hesitate to reach out.
2. Schedule a walk-through. A walk-through is an integral part of the selling process; this is where you can increase your chances of a good offer. Ensure your house is in order, clean, bright, and attractive. If needed, you can schedule a walk-through in 24 hours or less! In fact, you’ll receive a $100 U-Haul gift card if you schedule a walk-through within 48 hours.
3. Get an offer. After the walk-through, you’ll get a fair offer from Meli, one based on your home condition. Our team also helps you manage any unsettled legal issues.
4. Receive payment. We guarantee that within 30 days, you will close on your home. At this point, if you need to stay in your home a few days after closing, this is possible. We understand there can be loose ends to tie up before moving on.

We’ve made this process as simple and streamlined as possible. We want you to know Meli Homes is here to provide the support you need. When you get an offer from us, that is the price you’ll get; no hidden fees, no backing out of our contract, no last-minute negotiations, and no going back on our word.

You can be secure in knowing that we’ll hold up our end and do what we can to help you through the process. And, maybe most importantly, if time is of the essence for you, Meli can help you close on your distressed home in 30 days or less.

Addressing Any Doubts

You may be reading this and thinking it sounds perfect, but wondering if your home meets the criteria. Will Meli be able to sell your home the way they’ve sold other distressed homes? The short answer is yes, but let’s go through some of the main concerns you may have.

Meli Homes buys all kinds of homes: mobile homes, single-family homes, multi-family homes, and condominiums.

We accept homes in any condition. If your home isn’t pristine and in poor condition, this doesn’t matter. We love buying homes which the run-of-the-mill home buyer would reject; we buy your home as-is. This is our job, it’s what we do, and we don’t run from a property that needs some TLC or even major renovations.

Whatever your situation, Meli can buy your home, regardless of the difficult situation you may be in—unable to pay the mortgage, divorce, looming foreclosure, extensive repairs, code violations, or unable to sell with a real estate agent. Whatever the circumstance, we can step in and get to the business of selling distressed property quickly.

You’ll receive a fair, competitive offer for your property—with no fees; you’ll get every cent of the price we state. Then, when you agree to the offer, we’ll use our associates to resolve all liens, judgments, and title issues you may have. This process is simple and removes you from the overwhelming responsibility which accompanies these legal matters.

Why Us?

Why is Meli Homes the perfect fit for your distressed property? We care, and we have the experience and the means to quickly move you out of your current situation. We know the unexpected can happen and will meet you where you are, literally, figuratively, and financially.

Contact Meli Today

You don’t have to be alone in this process. Sell your home as-is, quickly and easily by reaching out to us. Meli can be your cash home buyers in Melbourne, Tampa, Orlando, and central Florida’s surrounding regions.

Contact Meli Homes today by calling (407) 338-4183 to schedule your walk-through. We are here to answer your questions and give you the support you need.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://www.needpix.com/photo/download/1181701/stress-businesswoman-woman-burnout-person-dates-baiting-clock-time

https://www.needpix.com/photo/1484484/window-old-frame-distressed-peeling-paint-glass-dirty-close-up

https://www.flickr.com/photos/124808053@N07/14683431173/

Life is unpredictable, and we can’t always plan for every eventuality. Job loss, illness, or a family member’s death may find you struggling to meet financial obligations, including your home loan. Alternatively, perhaps you’ve inherited a home with a mortgage you can’t afford or requires significant repair.

If you find yourself with a home that you can no longer afford to keep or maintain, you may have a distressed property to sell. Buying or selling a distressed property is different than buying or selling a home on the open market.

We can show you how to get rid of a distressed property quickly.

What is a Distressed Property?

In the state of Florida, a distressed property is any property that is facing foreclosure, being sold by a mortgage lender, subject to legal issues, or in disrepair.

As a result of such circumstances, distressed properties tend to be more challenging to sell and generally sell for less than market value.

There are several reasons a property may become distressed:

• Financial Issues
  Homes are often deemed distressed when a homeowner falls significantly behind on their mortgage and is facing possible foreclosure or the sale of their property by their lender. The homeowner’s only recourse becomes selling the home or losing the property to a bank or lender.
• Legal Issues
  Homeowners may also find themselves, and their property, tangled up in legal issues. If you owe back property taxes, have costly building code violations, or are going through a divorce, keeping the home may not be a viable option.
• A Death
  Because most households require dual incomes, if you’ve lost a partner or loved one, paying a mortgage on one salary may not be feasible. You may have inherited a property from a relative who passed away and can’t afford to cover the existing mortgage, or the home needs significant repairs you can’t afford to make, or projected renovation costs exceed a reasonable selling price.
• Need to Move Quickly
  Any number of things can create a need to move quickly. For example, a job loss or job promotion can result in a forced relocation that you weren’t anticipating. You may simply not have the time to deal with the complexities of selling a home on the open market.

The Open Real Estate Market vs. a Distressed Property Investor

If you have found yourself in an untenable position with your property, you’ll need to decide whether to sell your home the traditional way, with a realtor on the open market or sell your property to an investor or to companies that buy distressed properties like Meli Homes.

• Time
  We all know that the real estate market is fickle, and selling a home can be very difficult, particularly if it is distressed. Most recent statistics in Florida cite the average number of days on the market at 73. And once the home sells, you have to deal with loan approval, appraisals, and other complications that can drag the process out even further.
  You may not have the time or the financial ability to wait for your home to sell. Meli Homes represents cash buyers eager to move as quickly as you. From start to finish, the sale of your distressed property to us usually takes less than 30 days.
• Money
  In addition, listing a house in Florida is expensive, and the fees incurred when buying or selling a home can be astronomical. Realtor commissions, appraisals, closing costs, and the cost of requested repairs add up quickly. Particularly if you find yourself struggling financially, you may want to avoid the open market with its many additional costs entirely.
  Meli Homes buys your home without charging the fees associated with a typical home purchase.
• Hassle
  Let’s face it; selling a home is stressful and often burdensome. Your life is put on hold, waiting for the house to sell. In the meantime, you have to deal with open houses or home walk-throughs.
  Requested changes or updates from the buyer can seem endless, and traditional home sales frequently fall through before closing, leaving you to start the whole process all over again.
  Selling your home to Meli Homes is a straightforward process and eliminates all the hoops you’d have to jump through if you tried to sell on the open market.

What Can Meli Homes Do for You?

Meli Homes is Florida’s top-rated distressed home buyer. We know how to sell a distressed property. We have purchased countless difficult-to-sell homes and have happy clients all over the state, including Orlando, Tampa, Melbourne, and Cocoa Beach. There are many companies that buy distressed properties, but none have the specialized experience of Meli Homes.

At Meli Homes, we understand distressed property buyers, and we know the Florida real estate market. Distressed properties are our specialty, and we offer a quick, no-hassle option to selling your home at a price you deserve.

Of course, you want to ensure you’re getting the best price for your home based on comparable properties in your area. We respect and understand distressed property owners and have a reputation for getting our clients their asking price.

Besides, the process of selling a home can be time-consuming, complicated, and tricky. Our experienced team helps you navigate the unique steps of selling a distressed property quickly and easily. And all our buyers are financially verified, eliminating the cost of hidden or unexpected fees.

Deciding what to do with a distressed property can be overwhelming. You don’t have to endure the process alone. The experts at Meli Homes are here to assist you every step of the way.

If you would like more information about selling your property or what Meli can do for you, give us a call at (407) 338-4183. We’re happy to help shoulder the burden and help you get the most desirable outcome.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://upload.wikimedia.org/wikipedia/commons/thumb/a/a9/Sign_of_the_Times-Foreclosure.jpg/1200px-Sign_of_the_Times-Foreclosure.jpg

https://www.pxfuel.com/en/free-photo-qbout

If you want to sell your distressed home, you will likely consider individuals as well as companies. However, companies are a better option because they can afford to pay the full price upfront in cash.

Companies that buy distressed properties are sometimes predatory and non-transparent. When choosing your buyer, make sure you research their business policies, financial situations, and reputation.

What is a Distressed Home?

A home becomes distressed for many reasons. Falling behind in your mortgage payments, failure to pay your property taxes, or avoiding federal tax payments can all result in a distressed home.

A home in disrepair is also considered distressed. Sometimes, homeowners cannot pay to maintain their properties, or they fail to pay their contractors.

A quick move, divorce, threat of foreclosure, or death of a home buyer can also force a short sale, which is easier when the home is considered distressed.

How to Find a Buyer

Most often, homeowners selling a distressed property want to sell as quickly as possible. Going through a realtor can take 2-3 months, more if the market is slow. In addition to the wait, you will need to pay your realtor a fee.

Instead, research local companies that buy distressed properties. The companies, usually called cash home buyers, often offer a quick turnaround, sometimes taking less than a month for everything, including closing.

The best way to find a cash home buyer is through word of mouth and google. Ask your friends and family if they have any recommendations, and look online for companies in your area.

Why Should You Sell To a Distressed Property Buyer?

The top reasons for working with a cash home buyer like Meli are financial. However, there are many other reasons to choose a company that specializes in buying distressed homes over a private buyer.

• Distressed property buyers will pay you in full upfront. Many private buyers will need to take on a mortgage, which might delay the process. If the buyer fails to qualify for a mortgage, your sale will fall through, adding another month or two to the process.
• No need for an appraisal. Private buyers often prefer to purchase turn-key homes that are in top shape. Meli will buy your house as-is for a slightly lower price, meaning you won’t need to pay for repairs.
• No open houses or staging. Often, homeowners looking to sell quickly have too much on their plate to organize multiple open houses. A cash home buyer will arrange one walk-through with you, saving you time.
• Benefit from their experience. Cash home buyers know the ins and outs of buying homes and can speed up the process. You might close within days instead of weeks.
• No closing fees. In traditional sales, the buyer is often responsible for up to 2% of closing fees. Meli covers all the closing fees.
• Save time. Meli will close on your house in 30 days or less.

Vetting My Buyer

Always do background research on your buyer before signing an agreement. Look up recent customer reviews on Google and the Better Business Bureau.

As a seller, you have the right to request proof of funds from your buyer. Although cash home buyer companies are more likely to have the funds available than a private buyer, it’s best to ask for confirmation in writing.

You should also speak with the company over the phone and arrange an in-person meeting. There are always internet scams lurking, and personal conversations can help weed out scammers posing as fake buyers.

Choosing a Buyer

After vetting your potential buyers, you’ll need to decide which one you want to work with. Although you’ll probably base some of this decision on who you prefer, you should take several practical matters into account.

Look into what fees you will need to cover. Meli covers all closing fees, meaning you will receive the entire offer.

See how long the process takes. If you need to sell your home quickly, you don’t have time for a lengthy, drawn-out closing process. Look for a company that can help you fix any outstanding complications with your title or taxes.

Talk to the people at the company. Packing, moving, and selling a home is stressful, and you want to work with a supportive and helpful buyer.

If you need to sell a distressed home quickly in Florida, consider working with Meli in Central Florida. Our team is welcoming and always ready to answer your questions whether you are selling a distressed home in Melbourne, Tampa, Orlando, or any other Central Florida area.

Meli’s Process

Selling your house to Meli involves four easy steps.

1. Contact us by phone, email, or our online form. We’ll get back in touch with any questions and more in-depth information about our buying process.
2. Set up a walk-through. We’ll do an appraisal of your home and give you an offer that day.
3. Agreeing to an offer. Once you agree to our offer, we will start the selling process. We’ll help you sort out any liens, problems with the title, or judgments. Let us know your schedule, and we will do our best to work at your pace.
4. Payment. With no closing fees to worry about, you’ll receive our payment in full.

How to Talk to Your Buyer

How you talk to your buyer and what your house looks like can influence the buyer’s offer.

Honesty is the best policy. When you speak with your buyer, you must reveal any structural or financial issues with the home. Before closing, your buyer will learn about any liens or judgments and might back out at the last minute. If you are upfront about the problems, your buyer can determine an offer based on the actual situation.

Tidy up. Before your walkthrough, put away clutter and clean the house. Clutter makes a room look smaller than it is. Pet hair or dirty dishes might affect the buyer’s opinion of your home. Don’t worry about making your house spic and span, but a little sprucing up can go a long way.

Make repairs. If you’re able to make repairs before selling, you will likely receive a higher offer. However, if you can’t afford repairs or don’t have time, Meli will buy a home in any condition.

Contact Us

If you need to sell your distressed Florida home quickly, call Meli in Central Florida today at (407) 338-4183 to set up a walkthrough of your property. We’re also available to answer any questions you have about selling distressed property with no obligation to sign a contract.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://live.staticflickr.com/5146/5555812649_80313dc374_b.jpg

https://pixy.org/4762414/

https://storage.needpix.com/rsynced_images/agreement-3476369_1280.jpg

Sometimes, outside factors mean that you can’t keep up with your property taxes, mortgage, or home maintenance. After you miss several payments, you will likely face the threat of tax liens, foreclosure, and a poor credit rating.

Instead of suffering legal repercussions, consider a cash sale of your distressed home. Some cash home buyers will purchase homes regardless of judgments, liens, or damage.

When To Sell A Distressed Home

It can be challenging to decide whether you should sell your home or not. Several situations can result in a distressed property, and each requires a unique approach.

• Tax Lien / Judgement Liens

If you have not paid your property taxes, the Florida Revenue Service or the IRS will place a tax lien on your property. However, you don’t need to jump to selling after your first missed tax payment.

The FRS will send you a Notice of Delinquency when you fail to file taxes. If you don’t pay in full after receiving the notice, they will send a Notice of Amount Due. After 90 days, the FRS can file a tax lien if you haven’t paid your bill. If you cannot afford to pay your taxes, you might want to sell your house quickly. You can use the profit to pay off back taxes and remove the lien on your property.

Judgment liens occur when a creditor sues you for lack of payment in court. In this case, you may have to sell your house to repay your creditor. These types of liens can happen due to failure to pay child support, contractor bills, or other outstanding bills like credit cards or utilities.

• Divorce

Sometimes, divorcing couples agree that one spouse will buy out the other. However, that isn’t always feasible. You might want to sell your house quickly, so you can finalize your divorce proceedings or use the money to purchase separate residences. In this case, a cash sale is your best option.

Instead of going through a realtor and advertising your home on the open market, consider working with a cash home buyer like Meli. Our simple process will mean less time in a boardroom with your ex and money in your bank account faster.

• Quick Move

Sometimes, new job opportunities require immediate relocation. In cases where your new job is in another state, you might not have time to find a real estate agent, vet many buyers, and handle all the paperwork while also finding a new place to live and arranging for movers.

Meli is an experienced home buyer and can help you understand all the intricacies of Florida real estate law. You will also receive payment sooner, making any new mortgage applications easier in your new state.

How to Sell a Distressed Property

Now that you’ve decided to sell your home, you need to learn how to sell a distressed house. When selling a home, you can either list it yourself, work with a real estate agent, or find a cash home buyer.

• For Sale By Owner

For sale by owner sounds easy enough at first glance, but involves a lot of groundwork. You’ll need to learn about applicable Florida real estate laws, do your own advertising, prepare your home for open houses, prepare your paperwork, and vet your buyers.

Especially if you are already overwhelmed with financial problems, divorce proceedings, or a long-distance move, listing your home for sale by owner might be too time-consuming.

• Real Estate Agent

Working with a real estate agent cuts out much of the work, but comes with several downsides. It can take around 2-3 months for a house to sell. Depending on the market, that number could increase significantly. You will also need to pay your agent a commission and will likely be responsible for closing fees.

• Cash Home Buyer

If you want to sell a home quickly, a cash home buyer is likely your best option. They offer quick turnarounds, often closing within 30 days or less. They can also afford to pay you upfront in cash. Meli covers all fees, so you will receive their entire offer without any deductions.

Meli will purchase a house regardless of damage or pre-existing legal disputes. However, if you can repair your home, you can raise your asking price.

When choosing a buyer, whether you list your own home or choose to work with a cash home company, you should always confirm their financial situation. It can be hard to learn background information about private buyers. If you want to sell to a cash home company, read online reviews from previous customers on Google and the Better Business Bureau.

Once you meet with your buyer, be honest about any problems. Your buyer will learn about liens or judgments before closing and might choose to back out of the deal if you don’t inform them beforehand.

How to Sell A Distressed Home to Meli

Meli’s process is straightforward, involving only four steps.

1. Contact Us with information about your property. Meli will return your call to answer questions and schedule a walkthrough.
2. Schedule a walkthrough. Before your appointment, tidy up the house. Clutter can make rooms appear smaller, and a clean house might result in a higher offer.
3. Receive an offer. After seeing your home, Meli will offer a fair price. Our experienced team can help you handle any outstanding legal problems.
4. Receive payment. Within 30 days of initial contact, you will close on your house. Meli handles all fees. If you need to remain in the home for a few days after closing, you can do so.

Contact Us Today

If you own a distressed home in Tampa, Kissimmee, Orlando, Melbourne, Clearwater, or another Central Florida city, contact Meli today to learn more about how our process works. There is no obligation to sell until you sign the contract.

If you have questions about distressed properties, quick sales, or how to sell a house with a tax lien, are facing foreclosure, want to downsize, or are relocating, call Meli at (407) 338-4183.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://www.thebluediamondgallery.com/legal/images/tax-lien.jpg

https://live.staticflickr.com/3784/11705392445_86c98890bc_b.jpg

https://pixabay.com/photos/contract-signature-lease-available-1464917/

Most homeowners need to sell a distressed property due to financial problems. Whether facing foreclosure, a tax lien, or going through a divorce, homeowners often want to sell a house without losing money quickly.

Depending on the market and your location, it can take 2-3 months to find a buyer willing to pay your asking price. If you need the funds from the sale to pay your taxes or stave off foreclosure, two months might be too long to wait.

Like Meli, a cash home buyer is an excellent option for homeowners looking to sell in Central Florida without losing any money.

What Makes a Property Distressed?

Several situations can lead to a distressed home. Disrepair or lack of maintenance are the primary causes, but distress can also refer to households with financial issues. Failure to pay your mortgage or taxes can result in foreclosure, an involuntary tax lien, or a judgment against your house.

Divorce, a speedy relocation, or problems in probate court can also result in a quick cash sale of a distressed house.

Depending on the reason for your sale, there are several things you can do to increase your asking price and sell without losing money.

How to Sell a House Without Losing Money

The first thing to determine is how soon you need to sell your property. In Florida, you have 90 days after receipt of a Notice of Amount Due. After a careful examination of your financial situation, you may decide you need to sell your home. The sooner you decide to sell, the more time you have to prepare your home and find a buyer.

Situations like divorces and the death of an owner might allow for some more leeway in your timeline. If there is a possibility you sell your house on the open real estate market, there are a few things you can do to get a high offer from a buyer who invests in distressed homes.

• Fix Structural Problems
  If you can afford it, fixing major structural problems can significantly affect your asking price. Particularly if you are selling the home due to a divorce or a move, find a quick-working construction company. Before agreeing to any work, make sure the cost is worth it, and you’ll earn some return on your investment.
  
  Large issues like foundation repairs, significant electrical or plumbing work, and roofing may end up costing you more than is within your budget. Under these circumstances, it is often best to sell your home as-is. Selling your house as-is to an investor minimizes the stress of selling your home. Plus, it eliminates the need for major repairs.

• Clean Up Clutter
  Most buyers need to see your house in person before purchasing. Before your walkthrough appointment, clear away clutter and thoroughly clean every room. A buyer will be more interested in a clean, uncluttered house, which might influence their offer.
  
  Don’t forget to declutter your yard and trim overhanging branches and hedges. Small, simple yard maintenance tasks often cost very little and can do a lot to improve the curb appeal.

• Self-Appraise Your Home
  Do your research before setting an asking price. Look online and see what similar houses in your area have sold for. You can get an average estimate by multiplying your home’s square footage by the price per square foot of similar homes in the area.
  
  For example, if your home is 2,000 sq. ft. and the average cost per square foot of other houses nearby is $150, then a reasonable home estimate is $300,000. You can adjust the value according to the condition of your home.

• Vet Your Buyers
  Even if your buyers seem like friendly people, you should request to see their financial records. You don’t want to waste time hammering out a deal and signing paperwork, only for the buyer to back out at the last minute or not have the cash available.
  
  Working with a cash home buyer lowers the risk since these companies do not need to apply for a mortgage, and they often work with a network of experienced investors. However, you should still check the companies’ financials before coming to an agreement.
• Honesty
  Honesty is the best policy. Be upfront with your buyer about any tax liens, judgments, or structural issues. A buyer dropping out at the last minute due to previously unrevealed issues means you will lose valuable time.
  
  If a buyer discovers issues with your home that weren’t previously disclosed before settling, you may also be liable for litigation for fraud, costing you a substantial amount in legal fees.

Sell To a Cash Home Buyer

Selling a distressed home on the open market is time-consuming, complex, and you’re not guaranteed a quick sale. If your home is in disrepair or considered unsafe, you may be unable to obtain an appraisal, limiting your selling options. Real estate agents also require commissions, which can cut into the profits from your home’s sale.

A cash home buyer lets you bypass the complicated listing procedure by managing all the necessary documentation and connecting with a network of investors, lawyers, and real estate agents to help you sell your distressed home as quickly as possible.

Many cash home buyers prefer to buy a distressed home as-is. This means that you don’t need to perform any costly repairs or renovations. At Meli, there are no fees, commissions, or closing costs to pay, and we will perform a no-obligation walk-through of your home to help you make an informed decision about selling your property.

Finding and Vetting a Buyer

While most cash home buyers are trustworthy investors with an interest in flipping properties, some disreputable companies may not offer you a fair price for what your house is worth. Before selling your home to a cash buyer, it’s vital to find an honest company to ensure you are protected. Here are a few tips for finding and vetting a cash home buyer.

• Check online reviews on Google or the Better Business Bureau for positive client experiences.
• Examine their real estate portfolio and check country records for proof of their purchases.
• Ask the cash buyer to provide proof of funds with a bank statement.
• Explore their website and social media accounts for photos of previous projects.
• Read testimonials on their website.

Choose Meli Homes to Sell Your Home Fast

Understanding how to sell your house without losing money is vital to protect your interest and streamline your home’s sale. Selling to a cash home buyer takes the stress out of selling your distressed home. And, it ensures you receive a fair price without the need for costly repairs.

At Meli, we’ll schedule a walk-through within 24 hours, and can close on your home in 30 days or less. We are a reliable, trustworthy company with years of experience dealing with challenging housing situations. Call us at (407) 338-4183 to get started.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://pixabay.com/photos/facade-old-house-old-windows-5539694/

https://pixabay.com/photos/architecture-family-house-front-yard-1836070/

https://www.pickpik.com/house-country-house-exterior-facade-2-levels-family-8956

Sometimes, due to unforeseen life events, it can become impossible to pay all your bills. If your house has a tax lien on it, you might want to sell it. However, you may need to use different strategies to sell a house with a tax lien.

If you want to sell distressed property in Florida, consider reaching out to cash home buyers in Tampa, Orlando, Winter Park and Melbourne.

What Is a Tax Lien?

A tax lien is a type of property lien. It means that the filer (in this case, the Florida Revenue Service) gains legal access to your property, and is usually the first step in a foreclosure.

There are several steps before the Florida Revenue Service (FRS) files a lien on your property. If you don’t file a tax return or don’t make a payment, they will send you a Notice of Delinquency.

If you don’t pay on time or don’t pay enough, they will send a bill (a Notice of Amount Due).

And, if you don’t pay your tax bill within 90 days, the FRS will take further actions, including filing a lien. This lien will remain until you either dispute it or pay it off. For many, the only way to come up with enough money is to sell their property.

Types of Property Liens

There are two types of liens in Florida: voluntary and involuntary. Within these categories are several subcategories.

Voluntary liens cover things like mortgages or other agreements that the borrower agreements to voluntarily. These types of liens are common and don’t have much of an effect when selling a house. However, you will probably have to pay off your mortgage before closing.

Involuntary liens are measures taken by the lender when the borrower hasn’t paid their debt. The type of debt determines their category and include:

• Property Tax Liens: Sometimes, your lender will pay your property taxes and add them to your mortgage. If they don’t, the government of Florida can put a lien on your house. Often, this means you will have to sell your home to pay your property taxes.
• IRS Liens: If you owe substantial back taxes, the IRS can place a lien on your property, including your home or car, and force a sale.
• Mechanic’s Liens: If you don’t pay a contractor for work they did on your house, they can file a lien on your home. If their lawsuit is successful, they can force you to sell your house to pay their bill.
• Judgment Liens: If a creditor sues you in court and wins, they can place a lien on your property.
• Child Support Liens: If you don’t pay your child support, your ex-spouse may place a lien on your property. It will remain until you pay or sell your house.

If you are currently facing any of these liens, you might want to consider selling your house or property to avoid foreclosure and a bad credit rating. You can use the profits from the sale to pay off your lien.

Tips For Selling a House With a Lien

Do Your Math

To evaluate offers, you need first to know exactly how much your house is worth. Without an impartial evaluation, you might put your asking price too low or too high, which will affect any offers you get.

Remember that your back taxes should come out of your profit. To complete your sale, you will have to ensure that you pay all your taxes first.

For example, if your mortgage was $120,000, and you have 100,000 left, and $15,000 in back taxes, you’ll have to use the money from the sale to pay the rest of the mortgage and taxes, for a total of $115,000.

Keep Your Own Records

Write down everything. A written record protects you by providing some proof of conversations. After a verbal discussion, send an email confirming any agreements.

Keep a physical file and digital backups of any information regarding your back taxes, mortgage, assessment, or home sale.

Pay Your Tax Lien Before Closing

You can start selling your house with an outstanding tax lien, but you’ll need to pay off the taxes before closing. Use the money from your sale to cover the tax lien.

Research Your Buyers

Make sure your buyers are who they say they are. Confirm their financial records and business information. It’s worth doing this step before getting too far along in the negotiations. You don’t want to waste valuable time with a flaky buyer.

Honesty is the Best Policy

Don’t lie to your buyers about the state of your house. They will eventually learn of any problems, and if that disclosure happens too late, they might back out of the deal. It’s best to lay everything out on the table before the negotiations begin.

Sell To a Cash Home Buyer

Listing with a real estate agent involves a commission fee and could take months. Instead, consider selling your home to an experienced cash home buyer. These companies can offer you money upfront quickly, allowing you to pay off your back taxes sooner.

Why Meli?

If you want to sell a house with a tax lien in central Florida, Meli can walk you through the whole process.

We have worked with many distressed properties and are familiar with the legal requirements and processes that accompany this kind of sale.

Many times, homeowners with tax liens want to sell their property as fast as possible. Meli can help with that.

We offer a quick and straightforward process. Call us at 407-338-4183, or email us at evan@melihomes.com, or reach out using our contact form, and we’ll discuss your home in a free initial consultation. From there, we’ll help you find the best solution for your home. We may make an offer to buy your home with its problems or fix its problems and list it for you. Or, we can simply provide you with additional consultation for a fee.

Call or message Meli today to receive a free initial consultation for your home!

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://pxhere.com/fr/photo/1565509

https://www.pexels.com/photo/file-cabinets-1370294/

https://pixabay.com/photos/money-home-coin-investment-2724248/

More than half a million homes face foreclosure annually in the United States. In 2019 Florida had the third-highest foreclosures in the nation. If your home in Central Florida has become an emotional or financial burden, consider working with companies that buy distressed properties for a hassle-free and quick cash transaction.

Examples of a distressed home include:

• Defaulting on your mortgage payments
• Divorce or other unexpected life events
• Facing bankruptcy
• Financial distress such as medical bills
• Tax liens of judgements on your home
• Inability to afford major repairs
• Damage from natural disasters
• Inherited property in probate
• Relocation or job transfer
• Retirement or downsizing
• Liquidating assets to pay bills

When you sell your distressed property or as-is home to a distressed home buyer, you should expect to sell your home for a discount, but you can avoid costly repairs and other complications. If you need cash quickly or want to start over with a clean slate, there are many great reasons to sell your home to a distressed home buyer besides convenience.  

A Distressed Property Buyer Will Purchase Your Home If You Can’t Get An Appraisal

A home appraisal is integral to the house sale and is an unbiased professional opinion of its value. An appraisal typically appeases the lender – such as a bank – funding a mortgage, but it isn’t required for a cash sale. 

A distressed home price is typically lower than fair market value due to the cost of repairs and no additional seller fees. If your home is in a state of disrepair and can’t be appraised or listed on the open market because it’s structurally unsafe or has been condemned, a distressed property buyer that buys a home in any condition is an excellent alternative to a traditional real estate sale.

You Don’t Need To Make Repairs

Making repairs is always a good idea if you are going to put your house on the open market. It can increase your home’s value, and some repairs can provide a significant return on investment.

However, if you are seeking to shift an unwanted property as quickly as possible, have a limited budget, or lack the emotional energy to tackle extensive repairs like a significant leak, mold, pest infestation, or roof replacement, an as-is cash home buyer can save you the hassle and cost of renovating your home.

You Don’t Have To Put Your Home On The Market

When you are selling a distressed home, your goal is to unload the property as quickly as possible. If you are facing foreclosure, you don’t have the luxury of time to get your property home sale-ready.

Selling to a distressed property buyer enables you to get an offer immediately and guarantees you cash so you can avoid foreclosure and a poor credit rating.

No Staging or Open Houses

When you sell your distressed home for cash, you are bypassing the traditional listing process in exchange for convenience and a quick sale. You can skip the fuss of staging and hosting open houses and the stress of keeping your home in perfect condition until it sells.

No Contingencies

Conventional home sales come with contingencies such as appraisals, inspections, and possibly the home buyer selling their other home before buying yours. Every contingency adds another level of uncertainty to your situation and the possibility of the deal falling through.

Distressed property buyers do their due diligence and make an offer based on their findings, so there is no negotiating or haggling over repairs or the closing date.

Faster Closing and No Closing Costs

Cash deals can be processed in a matter of days instead of weeks. The average home purchase on the open market took 46 days in June 2020. In a typical home sale, you are required to pay around 2% of closing costs. When you sell to a distressed property buyer, there are no closing costs and no realtor fees. 

Why Choose Distressed Property Buyers?

A distressed property buyer will purchase your distressed home outright, without any lender financing so you can close the deal in less than 30 days. If you find yourself in a situation where you can no longer afford your property due to unforeseen circumstances or your home needs some major tender loving care, you do have options. By selling your home to a distressed property buyer, you are alleviating the uncertainty of you and your family’s future.  

Choose Meli Homes in Central Florida

If you are among the growing number of distressed homes in Melbourne, Tampa, Orlando, Daytona, St. Cloud, or Kissimmee, and need to sell your distressed home in Florida, rather than list your home on the open market with a realtor, contact Meli for a fair, no-obligation cash offer. Sell as-is without listing your home on the market or making repairs, removing the hassle, stress, and expense from the selling process. 

Our personalized and transparent approach sets us apart from our competition. When we buy distressed houses, we make selling your property efficient and simple and provide peace of mind while supporting you through the process. And we work on your timeline to complete the closing.   

At Meli, we buy distressed homes of all kinds in Central Florida: single-family homes, mobile homes, multi-family homes, and condominiums.

Contact us at (407) 338-4183, so we can explain how the process works and schedule a walkthrough of your property. Once a representative from our team completes the walkthrough, you can expect a same-day no-obligation offer.

We want to provide you with the best offer available so you can get the most value from your property. When determining the price we look at the existing market conditions, location of the property, its current condition, and the repairs needed. 

If you agree to the offer, we will begin the selling process, clearing up any tax liens, judgments, and title issues. Our team handles all the paperwork, removing the burden from your shoulders. You receive 100% of our contract offer, so you won’t have to worry about any hidden fees.  

If you are looking at alternatives to resolve your distressed home sale problems, contact Meli today.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://pixabay.com/photos/florida-beach-home-house-1744695/

https://pixabay.com/photos/beach-erosion-hurricane-matthew-1826121/

https://pixabay.com/photos/multi-family-beach-home-florida-usa-1693707/

You might have heard about companies that purchase distressed properties as-is. But what is a distressed property? The term doesn’t only refer to the state of the house or property. It can also refer to the owners financial obligations.

If you’re considering selling a distressed property in Tampa, Orlando or Melbourne, you need to determine first if your property meets Florida’s guidelines.

Distressed Property Definition

A property becomes distressed when it is foreclosed or put up for sale by the lender, becomes embroiled in complicated legal battles, or falls into disrepair.

A distressed property can refer to a home or land. Often, companies who can afford to pay the homeowner in full purchase these properties.

Reasons Why Properties Become Distressed

There are many reasons why property might become distressed.

• Financial Issues: If a homeowner encounters economic instability or difficulties, they might be unable to continue paying their mortgage payments. When this occurs, the owner may try to sell their distressed property quickly to avoid foreclosure.

• Disrepair: Usually due to financial issues, this can occur when homes or properties are neglected. Another common cause of disrepair is damage caused by natural disasters like hurricanes, flooding, or fires. If the homeowner cannot afford to fix the home, they might want to sell it as a distressed property.
  Additionally, homes can also fall into disrepair due to problems with construction. If a homeowner encounters financial issues during a remodel, they may need to pause the construction mid-project. Sometimes, they cannot recover financially and want to sell their home with a half-finished bathroom or kitchen.

• Legal Issues: If a homeowner is facing legal ramifications, they might want to quickly sell their home. If they have failed to bring the house up to code or violated other regulations, they will receive hefty fines. Often, they are unable to pay these fines and eventually need to sell the house quickly.

• Divorce: Often, divorcing couples wish to sell their jointly owned house to divide their assets. It sometimes becomes too expensive for one person to afford on their own.

• Death of the Owners: If one owner passes away, the other might be unable to afford the mortgage payments on their own. In this case, the remaining owner may try to sell before foreclosure or simply default on the loan.
  If all owners pass away, their heirs may be unable or want to continue paying the mortgage, necessitating a quick sale. The home could also become stuck in probate, making it challenging to sell.

• Moving: When a homeowner needs to move quickly, they often want to sell their home fast. Depending on the real estate market, sometimes it can take months to sell a property.
  If a homeowner wants to buy a new property in their new county or state, they might want to sell their current house quickly.

Classifications of Distressed Property

There are three main types of distressed homes. If you want to sell distressed property in Florida, you’ll need to choose your tactics based on your situation.

• Real Estate Owned (REO)
  A foreclosure occurs when a homeowner defaults on their mortgage. The process begins when the bank issues a Notice of Sale (NOS).
  A distressed property that has already foreclosed and is owned by the lender, usually a bank, is an REO. Often, the bank will sell these properties through auctions.
• Short Sale Properties
  A short sale is an alternative to foreclosure and usually happens in the pre-foreclosure stage. Before issuing a NOS, the bank will send a Notice of Default to the property owner. Typically, they then have three months to pay the mortgage or come to an agreement with the lender.
  If they cannot keep paying the mortgage, the homeowner may propose a short sale to the lender. This process means the homeowner avoids foreclosure and the lender doesn’t have to sell the house themselves.
• Abandoned or Vacant Property
  These properties are usually in disrepair, and sometimes it can be hard to find the owner.

Selling Your Distressed Property

If you have received a NOS or are dealing with a complicated legal situation, you might be wondering how to sell a distressed property. You can do a few things that can help you get the best price for your property.

• Fix Structural Problems
  If you can afford it, fix any structural problems before the appraisal. As a result, you may boost your asking price, meaning you’ll get better offers.
• Confirm Your Buyer’s Information
  Don’t believe everything your buyer tells you. Even if they are a trusted cash-for-home buyer in Florida, you should verify their financial information independently.
• Keep Detailed Written Records
  A verbal agreement can open you up to problems later. Because of this, make sure everything is written down, and keep a copy. Even if you think it’s not essential, it’s better to have it and not need it.
• Full Disclosure
  Be honest with your buyers about any problems with the property. It’s better to lay everything out on the table at the start, rather than have your buyers back out at the last minute due to undisclosed issues.

Work With an Experienced Buyer

An experienced cash home buyer can speed up the process of selling your home significantly. Individual buyers will be more likely to make an offer and be able to pay you in full.

If you’re looking for help with your home in Tampa, Orlando or Melbourne, Meli can help you find the right solution for your home! That may be selling your home to a home buyer like Meli, solving your homes issues and listing it on the market, or something else! Whatever the case, we’ll help find the right solution for you.

Contact Meli Today

Start the process of selling your distressed property today. Call us at 407-338-4183, email us at evan@melihomes.com, or reach out using our contact form with details about your property. Let us help you resolve your distressed home issues.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://p0.pikist.com/photos/948/472/house-abandoned-vacant-vintage-grunge-empty-aged-architecture-weathered.jpg

https://live.staticflickr.com/4019/4529779756_a49b0121a0_o.jpg

https://cdn.pixabay.com/photo/2019/04/03/20/12/house-4101306_1280.jpg

Left unanswered, a tax lien can lead to the government seizing your home. Luckily, you can learn how to remove a tax lien on a house and alleviate financial stress.

Tax liens can make it difficult to obtain credit or relocate. If you own property with a tax lien, it’s important to understand it and how you can resolve it.

What is a Tax Lien?

A tax lien is the right to keep possession of property belonging to another person until the property owner repays a debt in full. There are two types of liens: voluntary and involuntary. In a voluntary lien, such as a mortgage, the property owner enters the legal arrangement willingly. In contrast, stakeholders place an involuntary lien on properties to protect unpaid obligations. The most common involuntary lien is a tax lien.

A tax lien is a claim on your property initiated by the government. They place this lien because there is a tax debt that must be paid by the property owner. Tax liens stay in place until the tax debt is paid. As long as a tax lien exists on your property, the taxing authority has the power to take your property away if you fail to pay the tax.

Tax liens are triggered automatically when the property owner does not pay certain taxes, such as income or property taxes, by a set date. The state or federal government can issue tax liens.

A tax lien is attached to the house, and the state or the county can eventually foreclose on the house if the taxes remain unpaid. Even if the bank forecloses, the tax lien stays on the house.

How Can a Tax Lien Affect Me?

If your property has a tax lien on it, it means you have an outstanding debt. If you don’t fulfill that debt, you run the risk of getting your home foreclosed or levied by the IRS. Having a tax lien on your property means the property cannot be sold or transferred.

For companies that buy homes as-is, purchasing a house with a tax lien presents an extra challenge. Some companies, including companies that buy homes in Florida, can still buy your home with a lien, or other tax complications.

Tax liens can also affect your ability to get a loan or refinance your home, as your demonstrated creditworthiness is diminished. While tax liens are no longer on credit reports, the IRS can still file the lien publicly, so creditors are aware of your past failure to repay your debts.

How Do I Know if There is a Tax Lien on my Property?

If you have missed any local or federal tax payments, you may have a tax lien on your property. You should receive a notice in the mail if there is a lien. Because tax liens are triggered automatically, you might not realize the lien exists if you missed any of the notices.

There are several ways to check if a tax lien exists on your property. Give the IRS Centralized Lien Unit a call to check for a federal tax lien. You can also check the IRS website. If they didn’t place a lien, you can check your balance due.

The IRS works with local authorities. Check with them to see if a lien was placed on your property. To do this, you can start with your secretary of state’s website. Once there, look for “lien filings” and your state name or “UCC search” and your state name. Make sure you have your identifying information, like your tax filing number, on hand to get the data you need.

For state tax liens, check with the county where the property is located to confirm whether a lien was placed.

How Can I Remove a Tax Lien?

If there’s a tax lien on your property, the easiest, most direct, and best way to remove it is by paying the taxes owed. This is the only way a tax lien disappears, and you avoid the danger of foreclosure or a tax levy. You will need to work with the state or federal government directly to make sure everything gets settled properly.

If you are unable to pay off the tax lien right away, there are other options. The lien won’t disappear, but you may be able to avoid a tax levy. For federal tax liens, you can work with the IRS to set up a payment plan. This plan has fees associated with it, but it could help remove the tax lien from the public record.

You can also ask for an Offer in Compromise, a proposal to settle your taxes and pay back less than you owe. Know you must apply for this, and only about half of the applications get accepted each year, so keep this in mind. You can also file an appeal if you believe the lien was wrongly placed.

Sell Your House

Although a tax lien prevents your property from legally changing hands until you’ve paid your debts, you can take extra steps to get your property off your hands and use the money to settle your tax debts.

For these situations, it’s often helpful to sell your home with a tax lien to a home buyer in Tampa, Orlando, or Melbourne. As-is home buying companies can help you navigate the legal issues surrounding your tax debts and provide you with the cash you need to settle your debts immediately, alleviating stress and enabling you to start over with a clean slate.

It’s reasonable to be skeptical and wonder, “are home buying companies legitimate?” Meli Homes in Central Florida is a reputable cash home buyer that can help you find peace of mind, knowing you can settle your debts.

Final Thoughts

Tax liens are something you want to avoid. If you have a tax lien on your property, you can resolve the debt and avoid getting your property taken from you. If you are trying to sell your house quickly, having a tax lien makes this more challenging, though not impossible.

Meli can help you with a lien or tax complications. We know that navigating tax issues is confusing and stressful, and we are equipped to help you deal with every tax situation. If you have a home with a lien, call us at (407) 305-5008 for a free consultation.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://unsplash.com/photos/n95VMLxqM2I

https://unsplash.com/photos/5616whx5NdQ

https://unsplash.com/photos/wDghq14BBa4