Systems and methods for providing a real estate and rental marketplace
First Claim
1. A method for providing a real estate marketplace, the method comprising:
- providing a computer processor;
maintaining a database of homes having attributes;
pre-qualifying, using the computer processor, a buyer for a mortgage up to a predetermined monthly amount;
pre-qualifying, using the computer processor, the buyer for homeowner'"'"'s insurance up to a maximum amount for which the buyer may be insured prior to receiving a selection of a particular home for purchase from the buyer;
receiving an indication of a location of interest from the buyer;
receiving an indication of desired attributes from the buyer;
computing a monthly total cost of ownership of the homes using information provided by the buyer and a seller of each of the homes;
presenting a listing of homes for sale in the location of interest based on the monthly total cost of ownership of the homes, wherein the listing of homes has attributes meeting the desired attributes;
receiving a selection of a buyer-selected home from the presented listing of homes; and
arranging for financing and insurance upon an indication of an agreement of sale between the buyer and a seller of the buyer-selected home.
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Accused Products
Abstract
An environment provided by a financial entity in which buyers and sellers may be brought together to initiate and complete a transaction for the purchase of a property for sale or rental. The environment enables sellers to list items together with relevant information that buyers may need to understand the item. Buyers may apply for financing, insurance or other related services to receive approval to purchase properties. A mechanism by which the seller and buyer may communicate enables a negotiation process, scheduling and other processes associated with the sale or rental. After an agreement is reached between the buyer and seller, components associated with the environment, such property and casualty and banking may complete the necessary paperwork, etc. to close the deal.
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Citations
17 Claims
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1. A method for providing a real estate marketplace, the method comprising:
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providing a computer processor; maintaining a database of homes having attributes; pre-qualifying, using the computer processor, a buyer for a mortgage up to a predetermined monthly amount; pre-qualifying, using the computer processor, the buyer for homeowner'"'"'s insurance up to a maximum amount for which the buyer may be insured prior to receiving a selection of a particular home for purchase from the buyer; receiving an indication of a location of interest from the buyer; receiving an indication of desired attributes from the buyer; computing a monthly total cost of ownership of the homes using information provided by the buyer and a seller of each of the homes; presenting a listing of homes for sale in the location of interest based on the monthly total cost of ownership of the homes, wherein the listing of homes has attributes meeting the desired attributes; receiving a selection of a buyer-selected home from the presented listing of homes; and arranging for financing and insurance upon an indication of an agreement of sale between the buyer and a seller of the buyer-selected home. - View Dependent Claims (2, 3, 4, 5, 6, 7, 15, 16, 17)
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8. A non-transitory computer-readable storage medium comprising a plurality of computer-readable instructions tangibly embodied on the computer-readable storage medium, which, when executed by a data processor, provide a real estate marketplace, the plurality of instructions comprising:
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instructions that cause the data processor to maintain a database of homes having attributes; instructions that cause the data processor to pre-qualify a buyer for a mortgage up to a predetermined monthly amount; instructions that cause the data processor to pre-qualify the buyer for homeowner'"'"'s insurance up to a maximum amount for which the buyer may be insured prior to receiving a selection of a particular home for purchase from the buyer; instructions that cause the data processor to receive an indication of a location of interest from the buyer; instructions that cause the data processor to receive an indication of desired attributes from the buyer; instructions that cause the data processor to compute a monthly total cost of ownership of the homes using information provided by the buyer and a seller of each of the homes; instructions that cause the data processor to present a listing of homes for sale in the location of interest based on the monthly total cost of ownership of the homes, wherein the listing of homes has attributes meeting the desired attributes; instructions that cause the data processor to receive a selection of a buyer-selected home from the presented listing of homes; and instructions that cause the data processor to arrange for financing and insurance upon an indication of an agreement of sale between the buyer and a seller of the buyer-selected home. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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Specification