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Tips For Downsizing To A Smaller Home

Posted by on Feb 28, 2017 in Uncategorized |

Sometimes, downsizing to a smaller property is necessary. It might be more affordable. It’s easier to maintain. And sometimes it just feels nice not to take up so much space. Whatever your reason for looking at smaller properties, here are some tips on how to effectively make the switch when you’re used to a bigger space. Know What Your Prioritizes Are While your new home will be smaller, it should still remain functional for you. Think about the areas of your current space that you spend the most time in. Those are probably the areas that you want to be emphasized when you look at homes for sale. You might find a home that’s smaller overall but still has a big kitchen for all of your cooking projects. Look for an Airy Space One thing that can be hard about going to a smaller space is the psychological aspect. But there are tricks to make your new home feel bigger than it actually is. One is to create an airy space that radiates light. For one, you will want to paint walls (and especially the ceiling) in white or a very light shade. Big windows are another asset. You can use reflective finishes such as cabinets and appliances. Even your flooring can be coated in a reflective varnish. Choose Open Floor Plans Open floor plans are a great asset in homes for sale. It can make the space feel much bigger when you are not surrounded by partitions. Be Prepared to Get New Furniture Your old furniture may not fit when you move to a smaller space. For example, large sofas might take up most of your living room. You could streamline the space by getting smaller furniture that’s comfortable and sleek. Matching your furniture also helps to pull a small space together. If you will need a lot of new furniture to make this work, that’s something to consider in your budget when buying a home. Get Tips on Decorating A bit of quality goes a long way in making a smaller space stand out. You might want to factor in the costs of hiring an interior designer to add some personal touches to make your new space elegant and warm. In short, downsizing your space doesn’t have to be a bad thing. If anything, it can be a time when you focus on the quality of space rather than the quantity. Let your real estate agent know your plans so that they can help you find properties that are stylish and...

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How To Buy A Home With A Friend Or Family Member

Posted by on Feb 28, 2017 in Uncategorized |

Buying a home with a friend or family member is an untraditional arrangement, but it can be a great option in some circumstances. It may be the best way to make home ownership a reality for two or more people who could not afford the home on their own. But it can also be a tricky arrangement. Here are some things to do to make this go well. Discuss How the Financial Arrangement will Go with a Lawyer The biggest piece that needs to fall into place is how the financial arrangement will go. For instance, will the home be put into one or both people’s names? What will happen if one person can’t afford to hold up their end of the agreement? Some of these questions are already spelled out, legally, and it’s a good idea to know what laws are already in place and what things you need to discuss with your homebuying partner. Disclose Financial Information Unless both people have perfect credit and great jobs, there is probably some kind of discrepancy in each person’s financial history. This can be a problem when your mortgage loan is based on both people’s credit. It’s a good idea to disclose financial history information before you even start looking for loans. It may be that one person needs to work on building up more credit before the group can proceed with looking for homes. Speak with a Realtor About Your Joint Interests If you are going to go all in on a home with a loved one or a friend, hopefully you have similar tastes in real estate. That makes it easy to find a place that will be good for both of you. Things like the neighborhood to live in, the price range to consider, the number of bedrooms, and also the style of real estate you hope to purchase are all important. If you differ in any category, speak with a realtor to discuss the biggest issues. They may have great ideas on how you can find a property that caters to diverging needs or acts as a compromise. Decide Who Gets What Finally, if you aren’t planning on sharing a room, it’s important to discuss who will get what when you buy the property. There is probably just one master bedroom. But you could compensate by giving the other person a study or another area to themselves. For more information, contact companies like Steve Cohn – Keller Williams Realty –...

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3 Key Things You Should Do Before Putting Your Home On The Market

Posted by on Feb 27, 2017 in Uncategorized |

Are you looking to sell your current house so you can move into another one? Perhaps you’re even contemplating a move to another city or state? While this can make for an exciting time, actually finding a buyer for your current home is easier said than done. If you haven’t sold a house before or you haven’t done so in a while, perhaps it’s time for a quick refresher on some of the things you need to do before you call your local real estate agent. Get the Home Inspected When you present your home to a potential buyer, you want to be up front with them on the condition of everything in the house. Most buyers will be interested in getting the home inspected by a professional contractor before they agree to close on the deal, but you can stay one step ahead of them by paying for it yourself before you put the house on the market. Get a written report from a professional who will verify that everything in the home is as it should be. This may decrease the amount of time you have to wait in between receiving an offer and closing on the deal, and it will remove the chance of the buyer coming back to the table and asking for a lower price because of defects found in the house. Work on the First Impression The first impression your house makes when potential buyers drive up to the lot is everything. Yes, it’s important to spend time cleaning the inside of the home, but you want the outdoor portion of your property to shine as well. If you need to repave your asphalt driveway or get rid of those weeds in the front yard, do it now before you begin the selling process. Get Rid of Junk Just shoving all of your clutter into a closet or spare room before a potential buyer comes over is not the best real estate strategy if you are a seller. Buyers sometimes will want to inspect things like closet space so you never know what door or cabinet they might open. If you haven’t done a spring cleaning in a while, now’s the time. Hold a garage sale if you have to or simply donate your old furniture and children’s toys to charity. You want the house to look lived in but you also want it to be clutter free enough that the buyer can try to envision his or her own things taking up space within the house. If you are looking to sell your home, hiring a real estate agent is a solid step in the right direction. But before you make that phone call, take care to make your house as presentable as possible both inside and out. Get everything from the electrical system to the plumbing inspected by a professional so there are no surprises before you close on the house. For more tips, contact a local real estate...

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Evaluate Your Needs Versus Your Wants Before You Shop For A Home

Posted by on Jan 25, 2017 in Uncategorized |

Buying a home, especially if you’re going through this process for the first time, can initially seem a little daunting because of all the factors that you have to evaluate. Having an experienced real estate agent, such as RE/MAX PLATINUM : Gail Schoeneberg, working on your behalf can make the process easier, but you need to remember that you need to providing your realtor with enough information to be effective. This means that before you get the agent to begin scouring the market for homes for you, it’s a good idea to thoroughly think about what you want in a home. Often, evaluating your needs versus your wants can be effective. Here are some points to consider. Sample Needs It’s a good idea to actually write down what you need in a new home. Be as broad as you’d like, as you can go through the list afterward to re-evaluate it. There are many types of needs that you may be considering. For example, if you have two young children, you may need a house with three bedrooms and it may need to be located within the jurisdiction of your preferred school district. If you have pet dogs, you may need a fenced yard or, at the very least, a sizable yard around which you can have a fence built. Sample Wants Once you’ve written down all your needs, you can begin to tabulate a list of wants. Keep in mind that some entries on your list of needs may actually be wants, so evaluate them closely. For example, it’s easy to say that you need a swimming pool, but this would likely fall under the want category for most people. Other examples of things you’d want include a park nearby or close proximity to a bus stop if you commute to work via public transit. Evaluating The Lists Upon finishing both lists, you can look at them to ensure you’re happy with both sides of the equation. You can then present the lists to your real estate agent, and he or she can provide you with some realistic expectations as to what you’d expect to pay for a house that fulfills your needs. If this amount is slightly more than your budget allows, you’ll need to look at your needs and see which may be able to be moved to the want list. For example, you might have listed that you need a garage because you own a convertible that you store for the winter, but maybe you can get around this dilemma by storing the vehicle in a friend’s...

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Two Reasons Why The Mortgage You’re Approved For May Be Too Much To Handle

Posted by on Jan 19, 2017 in Uncategorized |

It can be exciting to be approved for more money than you originally thought you were going to get for a home. Before you do your happy dance and start shopping for an even more awesome luxury house, you need to look at the big picture to ensure you are truly financially capable of paying the mortgage each month. Here are two reasons why that dream offer may turn out to be a nightmare. Not All Your Expenses Are Counted The top reason why you may end up with a bigger mortgage offer than you thought is because either you or the bank didn’t account for all of your expenses. On the mortgage application, you’re supposed to provide amounts for your household expenses and other liabilities (e.g. alimony, child support). The bank also takes a look at your credit report to determine how much you owe your creditors and how well you’re able to keep up with the payments. However, there may be expenses that both you and the bank didn’t take in account when assessing your budget. This is particularly true if you are a first-time buyer or going from a zero rent situation (e.g. living with parents) to homeownership. If you have children, for instance, it’s easy to overlook the clothing, annual tuition, and other—almost daily—expenses related to raising kids. Additionally, there are many expenses related to owning a home (e.g. repair, trash collection) you need to factor into your budget to ensure you have enough monthly income to cover all your liabilities. Before accepting the offer from the bank, take an honest look at your income and list all of the expenses you have or expect to incur after purchasing the house, and compare the two to ensure you can truly afford the mortgage. You Have Major Life Changes Coming Up Another thing that will impact your ability to afford the mortgage is your future plans. Sometimes in the midst of searching for and buying a home, people forget about the changes that may be occurring in their lives in the near future and the financial impact those changes may bring. For instance, if your aging parent may need someone to care for him or her in the next year or two, you should account for the cost of having your parent live with you (e.g. in-home nurse, health care). Even if you don’t expect your future plans to manifest for several years, you should consider how your finances will be affected by them and make the appropriate decision based on that to ensure you can still afford your mortgage when those changes occur. For more information, contact local professionals like Remo Paul...

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Set A Series Of Deadlines To Prompt Changes If Your House Isn’t Selling

Posted by on Jan 17, 2017 in Uncategorized |

When you list your home for sale, your real estate agent will put you in the best position possible to sell quickly and at top dollar by pricing the home properly and suggesting some projects that you can complete to make the property desirable. However, you might occasionally find that the house isn’t generating much interest. This may be for a wide range of reasons, including a slow market in your area. It can be useful to set some deadlines for making changes at the time that you list the home. The length of the deadlines is entirely up to you, but each deadline should include an idea of a change that could be made. Here are some examples. One Month It’s certainly not uncommon for a home to fail to sell within the first month of being on the market, but setting a deadline of evaluating things at the one-month mark can be a good idea. At this time, consider how many offers you’ve received and what feedback your agent has received from other agents, and then consult your agent for advice. The simple advice at this time may be to continue to wait for interest in the home, or your agent may advocate performing some cosmetic changes to make the house more appealing. Two Months Failing to sell within two months isn’t necessarily a cause for huge concern, but you may be starting to feel anxious about the lack of progress. Meet with your agent to decide what can be done. One thing to discuss at this time is a revamp of the marketing strategy. It may be time to hold a couple of open houses, market your listing more aggressively online, or make other similar changes with the goal of getting your listing in front of more prospective buyers. The agent may also pledge to reach out to his or her colleagues to make sure that the buyers they represent are aware of your listing. Three Months If your house still hasn’t sold within three months of its original listing date, it’s time to make a change. One such strategy is to reduce the price of the home. This is ideal because it may immediately become more appealing for people with lower budgets. Additionally, a “Price Reduced” sign on your front lawn should attract more interest, and your agent can also notify people on his or her mailing list that the price of your property has...

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Financial Sense When Buying Your First Home

Posted by on Jan 5, 2017 in Uncategorized |

Buying a home is an exciting endeavor, but it is also a major financial decision. Here are some things to talk about when you’re planning on looking at real estate for sale. How Is Your Income Projected to Change? You might decide to jump into home ownership once you’ve saved up a sizable down payment and have a job that pays decently. But knowing how your income will change in the future is important too. If you’ve been in your career field or at the same income level for many years, then you’re probably set. But if you’ve just moved up an income bracket, you might want to wait until you know that you’ll be able to maintain that income level before you jump in at the top of your spending limits. The same goes if you or your partner will eventually take time off work to care for small children; it must be factored into how much money you take out for a loan. How Much Mortgage Can You Get Approved For? Your mortgage approval limits will tell you something about whether you’re ready to buy a house. If you like what you’re seeing on the real estate listings boards at your price point, then you’re good to go. If you can find something you like for even less, then that’s much better; you’ll save money for other potential life adventures. Do You Plan to Add On? If you plan to add on to your home in some way, such as adding rooms, renovating, or adding special features, this is something to consider upfront when searching for properties. For one, you might look at properties that are a little less expensive. But you should also consider how much those add-ons would cost at each property; for example, adding a deck to a second floor can be much more expensive, so it’s something to consider when you’ve found a property that has the best space for a deck on a higher floor. Will Your Home’s Value Grow? Another financially savvy thing to do when shopping for real estate for sale is to look at homes in neighborhoods that are becoming more popular. Rather than the cheapest properties, or the ones that have already become well-known, these areas present the best chance for a big increase in value. Ask your real estate agent to help you find listings in areas that are up-and-coming so that you can make the best investment choice in your new...

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3 Ways To Make Your Home More Appealing To Buyers

Posted by on Jan 3, 2017 in Uncategorized |

When you hire a real estate company to help sell your home, there’s still a lot you can do to help sell your house. Think about it in terms of giving your home a makeover so your home looks the best it can can. You can make your home more appealing to buyers with these X ways. 1. Get Your Home Power Washed Over the years, a lot of dirt and grime can accumulate on the exterior of your home. Since this is a gradual process, you may not even notice it. Chances are, if you’ve never had your house power washed, there’s a lot of dirt on there that is hiding the beautiful façade of your home. When you hire a power washer company, you’ll be amazed at how much dirt comes off. When you get the sides and roof of your home power washed, home buyers will get the best impression of your property. 2. Hire a Landscaper To Do a Yard Makeover If you have a front and back yard, there’s probably a lot of unused potential as far as making your home more appealing to buyers. A landscaper offers services such as grass maintenance and improvement, mulching services, gradient improvements, building retaining walls, planting shrubbery and flower beds, and more. These can all make a big positive impact on potential buyers when they view your home with your real estate company agent. 3. Repaint the Mailbox, Fences and Front Door These three elements are the ones that most stand out when home shoppers arrive for a showing. The mailbox is subject to all kinds of weather, and likely is showing signs of wear. A fresh coat of spray paint may be all that’s needed to make it look brand new. If you have fences around the perimeter of your property, consider white washing them or giving them a fresh coat of paint so they look like they are in good condition. Remove the hardware from your front door and give it a fresh coat of paint, too. These easy-to-do touches will each make a nice first impression for visitors to your home. Your real estate agent can bring potential buyers to your home, but you can help out with the sale by taking these three simple steps. Making your home more appealing to buyers will help your agent get the job of selling your home done quickly. For more information concerning real estate, consult businesses such as Homestead Land...

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Ten Tips From Realtors That Will Help To Sell Your House

Posted by on Dec 29, 2016 in Uncategorized |

Trying to sell your home? Take some advice from realtors and agents, who have expertise in this arena. There are many simple strategies that could result in more showings and, potentially, a buyer for your property. Ten tips that can help sell your home are: 1.Always be ready. One suggestion from real estate agents is to be ready to show your home at any time. This means keeping it tidy and being open to last-minute showings. 2.Let your agent do their job. Listen to your agent. After all, you are paying them for their expertise so allow them to do their job! 3.Light things up. Maximize the light in your home to give potential buyers a good look at what you are offering, and to make the interior of your home seem larger and more open. Remove heavy window treatments and replace ambient bulbs to illuminate your spaces. 4.Move the clutter. Get rid of clutter and junk that could be preventing prospective buyers from seeing the potential of your property. De-clutter your home, which will also make it easier when you move later. 5.Add something unexpected. Give the buyer something extra, like your furniture or a car. Leaving something unexpected behind as part of the deal can pique prospective buyers’ interest in your listing. 6.Stay neutral. Keep colors neutral in your home whenever possible. If you plan to freshen up the paint, go with basic white or off-white. Create a blank-slate as much as possible to appeal to the widest range of buyers. 7.Make a video. Film a video to put on social media, but be sure to let your agent know that you are doing this. Share on all platforms to generate some additional interest in your listing. 8.Stage your home. If you think your furniture could be improved, pay for staging services. This will optimize the space and give your home a polished, complete look for buyers. 9.Open-up your storage. Clear out closets and storage spaces so that potential buyers can see just how much storage is in your home. 10.Move your pets. Keep pets out of the home during showings and pick up food bowls and litter boxes before potential buyers come to see your house. Not everyone is an animal-lover and these people could be turned-off before fully-seeing your listing. Take some tips from real estate experts; use some of these suggestions to show your home more often and possibly sell it quicker. Meet with your agent to discuss these strategies and to determine other ways to get your home sold, for the price you...

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Improve Your Chance Of Renting After An Eviction With These Steps

Posted by on Dec 29, 2016 in Uncategorized |

A past eviction from a rental property can make it challenging to pass the background test that is often a part of securing a rental unit. Regardless of the reason for your eviction, you may find yourself looking for another apartment or home to rent. When you submit your application and agree to the background check, don’t try to hide your past eviction. Instead, own up to it when you speak to the rental agent, and take these steps to improve your chance of your application successfully passing. Get A Letter From Your Previous Rental Agent In some cases, there are extenuating circumstances that may cause an eviction. If your previous rental agent or superintendent knew that this was the case with your situation, you may wish to have him or her write a letter explaining this fact. You can then use this letter with your new rental application to show that the reason for your eviction was an isolated incident. For example, perhaps you lived in a firmly non-smoking unit and your former partner smoked while you were away at work. This incident may be cause for eviction, but doesn’t really suggest that you’re a bad tenant. As such, a letter may help your application. Offer To Pay More Than First And Last Month It’s customary, upon securing a rental apartment or home, to pay the first and last month of the rent. If you believe that your rental agent will be concerned about your past eviction, you may offer to pay more than these two months’ worth of rent. For example, if your budget allows it, suggest paying three or four months’ worth of rent up front. This shows that you’re serious about being approved and about being a good tenant. Show Proof Of How Your Income Has Changed Some people may be evicted for failing to pay the rent. If this was the cause of your eviction, it might have been a result of a low income. If you’ve since secured a better job and are earning more money, you can show proof of this positive change in your income. When you submit your new rental application, provide financial records that show how much you were earning at the time of your eviction, as well as financial records that show much you’re currently earning. If there’s a significant difference, and you explain the reason for your eviction was financial, the rental agent may be more keen to accept your application. For more help, consider working with a realtor like those at RE/MAX AEROSPACE REALTY to find a...

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3 Questions To Ask Before Obtaining Title Insurance

Posted by on Dec 28, 2016 in Uncategorized |

Obtaining title insurance is part of the process of buying a home. After the real estate title service thoroughly researches the title of the home, it will obtain coverage. The coverage should provide you with protection from a number of situations related to the title of the home. If you are buying a home, here are some questions about title insurance you need to ask before closing.  Who Is Paying for the Title Insurance? Both a lender’s and buyer’s insurance policy are available through the title service. Who is responsible for paying them depends on the laws in your county. In some areas, the buyer is supposed to cover the cost. In others, the seller might be required to do so.   Even though you might be responsible for paying the costs, you can still negotiate with the seller over the fee. If you can get the seller to agree to paying all or some of the costs as part of helping with closing costs, get it in writing. The seller might be motivated to help with the insurance if he or she needs to sell the home quickly or believes that you might not follow through with the purchase.   Is Additional Coverage Available? Title insurance is designed to protect the buyer if it is later discovered that there was a lien or other issue with the title. It is basically your assurance that even if the title service failed to uncover the truth about the home, your investment is protected.   A basic policy typically protects you from situations, such as an undiscovered liens and the appearance of long lost heirs. If you believe that the coverage is not enough, you more than likely can ask for additional coverage. It is important to note, that if you do opt for the additional coverage, you could face a higher premium.   Are Problems With the Lien Covered by the Insurance? Before a policy is issued and after the title service has investigated the title of the home you are buying, a report will be provided to you. The report will detail any issues that were discovered with the property, such as a lien from a contractor.   Ideally, the seller should be willing to clear up any issues to avoid having the sale called off. However, if the issue seems minor, the seller might try to convince you to continue with the process. If you do, there is a good chance that the insurance policy you receive will not cover the issues. In fact, the policy might specifically state that it will not.   Since insurance providers differ, you need to ask if it is possible to get coverage for the issue. The provider might be willing to examine the circumstances and offer coverage anyway. Contact a real estate title service, like TitleSmart or a similar location, for more help and...

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