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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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Wondering If You Are Ready To Purchase Your First Home? Use This Checklist To Be Sure

Posted by on Dec 21, 2016 in Uncategorized |

If the lure of owning a home is one that you can no longer ignore and you often find yourself poring over all the homes for sale in your local newspaper, it may be time to seriously consider becoming a first-time homeowner. But even though the urge is strong, you may still be wondering if you are really ready to take on the responsibilities that come with home ownership. Maybe you are concerned that you have missed an important step that could lead to failure. If thoughts like these are troubling you, the following checklist will help you make sure you are thoroughly prepared and ready for a very positive experience as a first-time homeowner.  How’s your credit score? The better your credit score, the easier it will be to qualify for the mortgage and get the best possible mortgage interest rate and terms. Better credit scores can also help you get lower home and car insurance premiums, saving you even more money. Learn more at how your credit score is generated and how you can improve it here. Do you have enough income? Owning a home requires sufficient income to cover not only the mortgage, but all the other expenses that are included in home ownership, such as property taxes, insurance, and repairs. In most cases, experts agree that the total of your debt payments (including mortgage, credit cards, car loans, etc.) should not be more than about 36% of your monthly income, before payroll taxes.  Have you saved enough money for the down payment and closing costs? Having enough savings to put a full 20% down on your first home will help make the experience more affordable because it will prevent you from having to pay private mortgage insurance (PMI) costs. By taking the time to save up a down payment that will eliminate the need for PMI, you will be substantially lowering the monthly costs associated with owning a home. Additionally, make sure that you have sufficient cash to cover your expected closing costs (typically between 2 and 7% of the purchase price of the home) to avoid unwelcome last minute surprises.  Are you working with an experienced real estate professional? Any home buying process can benefit from the knowledge and experience provided by a professional real estate agent, but a first-time purchase is even more likely to need this type of skilled assistance. Before beginning to look at homes for sale in your area, take time to interview several real estate professionals to find the one that you feel most comfortable working with. As a buyer, their fee will typically be paid by the seller at the close of the transaction, so it makes sound financial sense to utilize these professional real estate services.  To learn more about the home-buying process, contact a company like South Florida Property...

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Signs That You May Wish To Sell A Rental Property

Posted by on Dec 15, 2016 in Uncategorized |

A rental property can be a sound investment, giving you a little bit of income each month and the chance at a significant amount of money when you eventually sell the house. Generally, it makes sense to maintain ownership of the residence for as long as possible; if you have tenants who are basically paying your mortgage payments each month, it’s highly desirable to maintain this scenario until the mortgage has been paid in full. However, there can often be signs that could suggest it’s time to sell your rental property, and it’s important to watch for these signs and act promptly. Here are some of these indicators. You’re Fed Up With Difficult Tenants A few experiences with nightmare tenants can definitely make you want to sell your rental property. Although it’s often ideal to try to find the best tenants possible, dealing with one poor tenant after another can run its course. For example, if your tenants aren’t properly respecting the residence and you find that you’re putting a lot of money into fixing up the house between tenants, you may be fed up with this situation. If your tenants are consistently increasing your stress level, which may be affecting various other areas of your life, you may be better off selling the property. You’re Moving Away While you can certainly continue to own and rent out an investment property if you live in a different city or state, you might feel a degree of reluctance to do so. Maintaining ownership of your investment property from afar means that you may need to make frequent trips to the house’s city to check on it or deal with tenants. Or, you may need to hire a trusted person in that city to manage the property. If these tasks feel too extensive for you, it’s worthwhile to sell the property before you move out of town. The Upkeep Is Too Much Many people who own rental properties do so because they can do the work on the houses themselves. If you’ve previously done flooring, plumbing, and electrical work on your rental property but find that this work is becoming too much, it could be time to sell. For example, if you worked as a contractor and enjoyed doing this work but you’re now approaching retirement age and you no longer have interest in this sort of rigorous labor, selling the property is often your best...

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3 Ways To Save Money On Your Peak Season Wedding

Posted by on Dec 5, 2016 in Uncategorized |

The average wedding cost somewhere around $31,213. For most couples, this is a significant amount of money. If you’ve chosen to have your ceremony during peak wedding season, make sure you know what ways you can cut costs to help save money. Choose An Off-Peak Time Just because you’ve chosen to have your ceremony during the peak time of the year, this doesn’t mean the ceremony also must be during a peak time of the day. For example, instead of a traditional Saturday afternoon or evening wedding ceremony, consider a Friday or Sunday night instead. Many venues will offer discounts during these periods in order to secure a booking, as some money is always better than none. Consider your guests to ensure this type of schedule will be accommodating of their needs or give them significant advance notice to give them time to plan. Be Selective With Your Guests List Remember that your wedding day is about you and your partner, it’s not about everyone else. While there are special people that you want to be in attendance, it’s best to be selective when it comes to your guests list, especially if you want to protect your pockets. Your wedding isn’t the time to invite every single person you know, as the cost to feed each guest is somewhere around $68. If your list is long, this amount can quickly add up. Sit down with your partner and go over your list several times to see who you might be able to trim off and who must be in attendance. Choose An All-Inclusive Venue Consider choosing an all-inclusive venue. For example, instead of having your ceremony in one location and your reception in another, choose a venue that can accommodate your needs for both events. Not only will this save you stress when it comes to dealing with a shorter list of vendors, it can also save you money. Some of these venues, will give you a discount for having both events with them. Additionally, many of these venues have special partnerships with different vendors that can also help you save extra money on your food and beverage costs, equipment rental fees and other services. Your wedding day is a once-in-a-lifetime moment. Make sure you and your partner are sitting down to plan every detail of your special day in a way that best reflects both of your personalities and your...

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