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Commercial Real Estate Sellers: Hire Your Own Attorney!


In North Carolina, the seller's attorney, in contrast to the seller's real estate broker, can change the terms and conditions of an offered Purchase and Sale Agreement. For example, a seller may want to limit the representations and warranties the Purchase ...


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-1?"ttf":"woff";localStorage.setItem(formatStorageKey,format)}return format}();var fonts=document.querySelectorAll(".webfont");var hinting=fontHinting==="Off"?"":"hinted-"+fontHinting+"-";var urlAttribute="data-cache-file-"+hinting+fontFormat;for(var i=0,j=fonts.length;i0&&alpha-1){styleSheet.media="screen";window.guardian.css.loaded=true;try{window.guardian.css.onLoad()}catch(e){}return true}}setTimeout(function(){setMedia(styleSheet)})}function useCss(){for(var i=0,totalStyleSheetLinks=styleSheetLinks.length;i switch to the US edition switch to the UK edition switch to the Australia edition switch to the International edition current edition: US edition The Guardian - Back to home Make a contribution Subscribe Find a job Jobs Sign in Comment activity Edit profile Email preferences Change password Sign out My account Search News Opinion Sport Culture Lifestyle Show More News US news World news Environment Soccer US politics Business Tech Science Homelessness Opinion The Guardian view Columnists Letters Opinion videos Cartoons Sport Soccer NFL Tennis MLB MLS NBA NHL Culture Film Books Music Art & design TV & radio Stage Classical Games Lifestyle Fashion Food Recipes Love & sex Home & garden Health & fitness Family Travel Money What term do you want to search? Search with google Become a supporter Subscribe Sign in/up My account Comment activity Edit profile Email preferences Change password Sign out US edition switch to the UK edition switch to the Australia edition switch to the International edition Jobs The Guardian app Video Podcasts Pictures Newsletters Digital archive Crosswords Facebook Twitter Jobs Money Property Pensions Savings Borrowing Careers More Mortgages App of the week Mortgage assistant – consumer app of the week Scour the mortgage market with the London & Country iPhone appBut can it present this mass of information in a user-friendly way? Mark King Share on Facebook Share on Twitter Share via Email View more sharing options Share on LinkedIn Share on Pinterest Share on Google+ Share on WhatsApp Share on Messenger Close L&C iPhone app: lots and lots of lists of data, but how easy is it to make sense of? App: Mortgage Assistant By: London & Country Price: Free Available on: iPhone What is it? An app to look up the latest best-buy products, mortgage calculators, affordability checks and property articles. Who is it by? London & Country, a leading independent mortgage brokerIt offers free advice, will search the mortgage market for homebuyers and also offers its own exclusive mortgage dealsIt has won a fistful of awards – it's been named Mortgage Adviser of the Year by trade publication Money Marketing five times. What does it promise? "Keep on top of your mortgage and the latest mortgage deals on the market with our iPhone appOur mortgage assistant also gives you access to our most popular calculators and can tell you instantly if we can save you money on your mortgage." The app falls short of offering first-time buyers free cash to use as a deposit, but you can't have everything. How does it work? There's a touch of the hard sell about the app, as most sections of it seem to exist solely to advertise the fact that L&C can find you a cheaper mortgageBut, sales tactics aside, users can click on best buys to look at current market-leading mortgage rates; use calculators to find out how much they can afford to borrow, how much a mortgage will cost, and what will happen if interest rates change; and can read the L&C blog containing mortgage-related chatter and news. However, results are displayed in such a way, with essential mortgage details omitted, as to encourage you to contact L&C, meaning the experience can be lacking and many will be frustrated they cannot immediately find a suitable mortgage for their needs via the app. Is it easy to use? Even mortgage novices and the financially illiterate should be able to work it outThe navigation is occasionally counter-intuitive, with buttons to proceed not appearing where you would expect, but this is not distracting enough for you to give the app a swerveThe ability to store your own mortgage information means you can access the app at any time to check if there are better (or any) products out there for your specific needs. Is it fun? The inclusion of the broker's blog and best-buys helps elevate this above bog-standard mortgage calculator apps, but looking at mortgage rates will either excite or depress you depending on your circumstances. Is it pretty? If only the developers had the courage to make more of the graphic that appears on most pagesLooking as though it has edged in from a completely different, more beautiful app, the graphic features a community of houses atop rolling green hills, with beautiful trees dotted across the landscape – the kind of place we would all love to liveThe problem is that while the graphic is lovely, it is also tiny – vying for attention by poking up from the bottom of the screen like a small schoolchild straining an arm to answer a question in classElsewhere, it's a fairly underwhelming mix of ocean blues and sea greens. Should you download it? It packs a lot more functionality than other mortgage calculator apps and, while there is a commercial edge to it, at least L&C is independent (ie not a bank pushing its own horribly expensive mortgages)It features real-time data, with best-buys automatically updated, meaning you can check whether things are moving in your favour. One major problem, particularly for first-time buyers, is that the app doesn't tell you what loan-to-values apply on the best-buy productsSo while you can use the app to easily find the cheapest fixed or variable rates, without knowing what size deposit you require they are of little value for many prospective homebuyersThis is no doubt because L&C wants you to contact it for further details rather than go direct to a lender, but it makes the app far less attractive. For first-time buyers struggling to buy a home the app would also benefit greatly from links to real sources of help and information for those in difficult circumstances – indeed, the app itself makes no mention of the vagaries of the housing market apart from the odd acknowledgement in the blog. For those ready to buy a home it should prove to be a useful mobile mortgage checker which, when coupled with Rightmove or Zoopla, puts a large part of the homebuying process in your pocket. Topics Mortgages App of the week Mortgage rates First-time buyers Property Banks and building societies Housing market features Share on Facebook Share on Twitter Share via Email Share on LinkedIn Share on Pinterest Share on Google+ Share on WhatsApp Share on Messenger Reuse this content View all comments > Order by newest oldest recommendations Show 25 25 50 100 All Threads collapsed expanded unthreaded Loading comments… Trouble loading? View more comments Signed in as Show comment Hide comment Hide comment Welcome , you’re about to make your first comment! Before you post, we’d like to thank you for joining the debate - we’re glad you’ve chosen to participate and we value your opinions and experiences. Please choose your username under which you would like all your comments to show upYou can only set your username once. Username: Must be 6-20 characters, letters and/or numbers only, no spaces. Please keep your posts respectful and abide by the community guidelines - and if you spot a comment you think doesn’t adhere to the guidelines, please use the ‘Report’ link next to it to let us know. Please preview your comment below and click ‘post’ when you’re happy with it. Post your comment Cancel Your comments are currently being pre-moderated (why?) Please keep comments respectful and abide by the community guidelines. Enter comment Post your comment Preview Hide preview Cancel B i ” Link more on this story Mortgage lenders move to attract first-time buyers First-time buyer mortgages at higher loan-to-values have been scarce in the past few years, but lenders are slowly growing the market with some innovative schemes Published: 17 Feb 2011 Mortgage lenders move to attract first-time buyers First-time buyer summit lacks crucial representation Is it odd that first-time buyers aren't represented at a summit held in their name? Not reallyThat would upset the ill conceived status quo of inflated prices and vested interests Published: 15 Feb 2011 First-time buyer summit lacks crucial representation Live clinic: First-time buyers There are fears a generation is being priced out of homeownership, and the average age of a first-time buyer continues to riseIf you want advice on working towards buying a home put your questions to our experts Published: 11 Feb 2011 Live clinic: First-time buyers House prices fall as first-time buyer numbers plummet House prices fell for the fourth consecutive month in December, according to Acadametrics, while CML figures show mortgage numbers dropped 4% Published: 11 Feb 2011 House prices fall as first-time buyer numbers plummet First-time buyer homes Gallery Published: 14 Feb 2011 First-time buyer homes First-time buyer homes #2 Gallery Published: 16 Feb 2011 First-time buyer homes #2 Most viewed Money Property Pensions Savings Borrowing Careers back to top jobs become a supporter make a contribution guardian labs about us work for us contact us advertise with us help terms & conditions privacy policy cookie policy securedrop

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