Tips to Save For A Downpayment

Tips to Save for a Down payment

Are you thinking about buying a new home? Gone are the days of 100% financing with zero down payment. So if you are not sitting on a pile of cash, the idea of finding the money to pay the down payment might feel daunting. But there are simple ways to raise the cash needed to get into a new home.

• Assess Your Current Assets - The first step is to determine what cash you might have available right now. Do you have a savings account or perhaps a 401k*? Are you nursing a pet project, like a vintage car or motorcycle, which could be sold for additional cash?

• Explore Loan Options - Not all home loans require the typical 20% down payment. FHA and VA loans are available for qualified buyers which allow a very low/no down payment.

• Ask For Help - Some loans allow you to use gift funds from relatives for the down payment. There are also local and state programs which offer down payment assistance and second loans.

• Employment Incentives – Some cities and counties offer help with buying a home for teachers and first responders. If you fall into one of these categories, speak with your lender about options for down payment assistance.

• Government Programs- If you qualify, there are grants at the county level in our area which can be applied to your purchase of a home. There are many restrictions so reach out and we can discuss if you would be a suitable candidate!

Buying a new home is a great way to add to your financial security. Building equity with a property is one way to build wealth while providing for you and your family. Finding the down payment might be easier than you think. If you are ready to explore home ownership, meet with a lender and discuss your unique situation.

Ask for my Home Buyer’s Guide which offers local lenders recommended by previous clients

Should Sellers Offer A Home Warranty?

Should Sellers Offer Home Warranties?

If you are selling your home, one of the most common requests with the buyer’s offer is to pay for a home warranty. As a seller, you might be wondering if it’s something that’s worth the expense. Some agents suggest that the seller purchase a listing warranty as well as part of the sales process. Understanding the benefits of a home warranty is the first step in deciding if it’s worth the cost to you, the seller.

A home warranty is a policy which covers the cost of repairs to a number of critical systems in the home. While coverage varies, most cover electrical, plumbing, heating, air conditioning and appliances. Some optional coverage could include pool and spa, roofing and code protection among others. In the event that a home buyer has a problem with any of the covered systems, the warranty would send a service person out to make the repairs for only the policy deductible – usually between $65-100 per problem.

The home warranty provides peace-of-mind to the buyer that if an undetected problem shows up after the close; their out-of-pocket cost is limited to the small deductible. While this does not negate the need for a professional home inspection, it can push a transaction to close with buyers who are nervous about unexpected problems. As an additional bonus, most warranty companies offer a free listing warranty which covers unexpected issues during the listing; often saving the home owner hundreds of dollars in repairs arising from the inspection.

Offering a home warranty in the listing is one way to demonstrate to potential buyers that the condition of the home is important to the seller as well. You take maintenance seriously and they can rest assured that they are making a good investment.

Is Flipping Houses Right For You?

Is Flipping Houses for You?

There are a wide variety of ways to invest in real estate; To be successful in real estate investing, it’s critical that you identify what skills you have and your tolerance for risk. Flipping homes is one of these ways, but not every investor is prepared for what house flipping involves. Understanding the model can help you determine if this is the right investment strategy for you.

Investors can make great profits by flipping properties. First question is what kind of income are you seeking, active or passive? Actively buying, fixing and flipping properties is quick cash that requires careful timing and effort. Rental properties on the other hand offer passive long-term income which accumulates over time.

The second consideration is risk. Flipping is really speculation. When buying a flipper, one must gauge the cost of refurbishment, remodeling and the cost of the holding time into the price valuation, then carefully market the home and realize the profit. Any number of variances can occur which could cause the value to drop and profits to reduce or even disappear, such as a delay in remodeling or a slow real estate market. Having ready cash to cover the unexpected is critical to success.

Flipping houses is one way to invest in real estate. For those who are able to plan for the unexpected, this quick turn-around model might be a great tool for wealth building.

Understanding your market, resources and risk tolerance is the first step in deciding if flipping is right for you.

Call to discuss further whether you should become a house flipper.

Latest Backsplash Kitchen Trends

Latest Kitchen Backsplash Trends

This year, kitchen design shows are filled with new materials, patterns and colors as enthusiasts look for the latest trends and styles.

As we leave the dark granite countertops behind, kitchens are getting lighter, brighter and more streamlined looks. These new backsplashes are design statement pieces in their own right, creating a uniquely modern feel to the space. With a focus on sleek surfaces and natural elements, here are the latest trends for kitchen backsplashes.

• Mixed materials – layers of stone mix with sleek metal trims or soft wood to create layer upon layer of design.

• Higher Profiles – the backsplash is no longer a 6” continuation of the countertop. Taller profiles and accent-wall styling are new trends.

• Bold Patterns – geometric tone-on-tone designs create visual interest.

• Subway Tiles – after so many of us removed the old white tile of our kitchens, designers are bringing them back in interesting shapes and patterns.

• Veins – larger granite, quartz or natural stone pieces are used as focal points, adding drama and depth.

• Backsplash Shelves – one of the latest design trends is to create a ledge or shelf along the top of a high-profile backsplash.

• Solid Wall – this last trend is eliminating a backsplash entirely and adding a stone “wall” in the kitchen, removing any visual distinction and creating a sleek, clean line.

2020 design trends are contemporary and exciting. After years of cozy kitchens and dark woods, these kitchens are light and bright; mixing soft natural stone and wood with hard, urban features for a modern, functional kitchen that suits any home style.

Tips For Selling in Summer

Tips for Selling in Summer

Summer has traditionally been the best time to sell a home. Not only do many families take advantage of moving when the kids are out of school, but in climates where winter weather is unpredictable or severe, the warmer months make it easier to be away for showings. With more homes on the market, how can you maximize your potential for a great offer among the options? Fortunately, you can take a few steps to ensure your home stands out from the crowd.

Tips for Selling in Summer

• Control the Climate – The first thing a buyer will notice when they walk into a home is the temperature. If the weather is warm and humid, it’s critical you keep the home cool. A larger air conditioning bill is a small price to pay for a top dollar offer.

• Let in the Sun – It might be tempting to close the blinds to save money on air conditioning, but bright, sunny rooms are always more appealing; leave enough open to showcase natural light.

• Extend Outdoors – Today’s lifestyle includes the outdoor areas and more and more homes feature outdoor living and dining areas. Regardless of your home’s features, maximize the impact of your yard with furniture, BBQs and manicured landscaping.

• Spring Clean – A fresh, decluttered home with a lighter, seasonal color scheme will be visually appealing to your buyers. Replace dark pillows, linen and accents with softer colors which make the rooms seem larger.

The summer selling season is here. Make sure your home is dressed for success. Welcoming outdoor spaces and bright sunny rooms combined with inviting an air conditioned rooms will ensure you get the best possible offer.

Top 3 Inexpensive Hardwoods

Top 3 Inexpensive Hardwoods

 Most people have thought about installing hardwood floors at one time or another. The natural beauty of wood brings a soft, elegance to any home. Today, hardwoods are not just for floors. Modern homes feature hardwoods for counters, back splashes and even entire walls.

Traditionally an expensive material to work with, there are inexpensive hardwoods that will bring that ambiance you crave with a price tag that won’t shock your wallet.

Top 3 Inexpensive Hardwoods

1.     Bamboo – Our first inexpensive hardwood isn’t really wood at all. Bamboo is actually a grass yet it’s harder than most hardwoods. Bamboo comes in only two shades – light and dark (boiled) – yet because of the variety in the plant itself, there are many color options available.

2.     Hickory – Hickory is most often used in rustic or country style homes. A very strong wood, it’s perfect for homes with high traffic and provides great durability and value for the price. With proper stain, hickory can take on a light, pine, tone or a darker, richer look.

3.     Lyptus – Never heard of lyptus? You’re not alone. Lyptus is commonly mistaken for mahogany. Beautiful and durable, lyptus costs a fraction of the cost of actual mahogany and provides the same lustrous look.

Hardwoods come in a large variety of tones, hardness and finishes. With so many to choose from and nice options starting at prices comparable to quality carpet, many homeowners and designers are incorporating hardwoods in their homes than ever before.

Vacation Rental Ownership – Is It For You?

Vacation Rental Ownership – Is It For You?

Investment properties used to be homes and multi-family properties used for full time rentals. Over the past decade, we’ve seen a new crop of investment properties emerge, the short term rentals. But what’s involved in owning a vacation rental? Is it worth the work?

A short term rental is a great investment for a number of reasons. In addition to creating annual income for the investor, the property could also appreciate in value during the time of ownership. Although the short term rental is still a rental property, it often pencils out to much higher income than a traditional long term lease does.

Vacation Rentals might seem like a great deal of work, and they can be. The first choice a vacation rental owner will need to make is whether they would like to self-manage or hire a property management company. Many short term rentals are managed by a professional property manager that specializes in the short term market. These managers have people on call to help with arrival, departure, cleaning, repairs and rent collections. While they do charge for their services, a professionally managed vacation rental can provide a nice income stream by building positive reviews.

Of course there are downsides to owning this kind of investment. It’s important to choose the right location to ensure a steady stream of renters. Additionally, one must budget for unexpected repairs or damage. With the deposit being made with a credit card, it can be difficult to collect for damage done to the home.

The Internet has been instrumental in the new vacation economy as peer-to-peer platforms like Airbnb, VRBO and HomeAway offer visitors the ability to interact directly with the owner. By reducing the advertising costs, investor-owners, can negotiate directly with potential renters and screen them to prevent possible problems.

Ask me for a vetted real estate agent recommendation no matter where in the world you would like to buy a property as I am only licensed to do business in Pennsylvania at this time.

Helping Families with Food Insecurity

Everyone in our area has faced challenges over the past few months as we deal with changes caused by Coronavirus. Food insecurity should not be one of them. I volunteer with the Jenkintown Food Cupboard which distributes food for residents throughout Montgomery County, PA. You can check out their website www.jenkintownfoodcupboard.net to sign up to pick up food on Saturdays.

Now, there is another program offering food pick up on Thursdays 11-1pm with locations throughout Montgomery County. Please share with friends and family so that this message can reach anyone who may find it helpful. More information on the MontCo Anti-Hunger Network can be found on their website: www.montcoantihunger.org and below.

If you would like assistance with any of this, please reach out to me directly.

Distribution Sites and Dates (Thursdays)
Willow Grove Mall (Nordstrom Rack Lot)  May 28th
Norristown Area site approval pending     June 4th
Pottstown Area site approval pending       June 11th

Willow Grove Mall (Nordstrom Rack Lot)  June 18th
Norristown Area site approval pending     June 25th
Pottstown Area site approval pending       July 2nd

Time: 11am -1pm

Should You Get An Appraisal Before Listing Your Home For Sale?

Should You Get An Appraisal Before Listing Your Home For Sale?

The most important thing on every seller’s mind is the listing price. No one wants to leave money on the table by pricing a home too low. At the same time, pricing the home too high will also likely result in lost dollars either from wasting valuable time on the market or once stale, selling for below market value in desperation.

Getting a professional appraisal ahead of time might seem like the solution, but is it?

An appraisal can be defined as an opinion of value at a given moment in time. If you are in an ascending market where listings are selling quickly, the appraiser can only use closed sales as a reference in the appraisal, so you might be tempted to list too low for the market, but not accounting for the increase in sales activity and prices. Contrarily if the market is slow and prices are declining, an appraisal received in May could be too high for the erosion of prices seen over the summer, and your listing will be overpriced for the reality of the neighborhood.

More than just these scenarios, a pre-listing appraisal means nothing to the buyer or their lender. They will still use market data to write their offer and their lender will order a new appraisal regardless. While you can reference your appraisal in negotiations, the buyers will still only offer what the property is worth to them and you might miss out on a great deal by trying to stick to your price.

In the end, a pre-listing appraisal is probably a waste of time and money. Your agent has access to the latest market data and can show you the same comparable properties the appraiser would use. Find a good local agent you trust and work with them to price your home correctly.

Tips to Pay Off Your Loan Faster

Tips to Pay off Your Loan Faster

For generations, homeowners would buy a home for life. Working over the years to make the payments and celebrating the end of the 30 year mortgage were great milestones in the family. Today, few home buyers expect to be in their home for longer than 7 years on average. Paying off a 30 year mortgage seems like an impossible task. Fortunately, there are great ways to pay off your loan which do not involve time. Here are a few tips for paying off your mortgage loan faster.

·      Biweekly Payments – Work with your lender to determine how they handle biweekly payments. If processed immediately, you can save 8 years of payments on a 30 year loan.

·      Extra Payments – By making just one extra payment each year, you can pay off your loan 7- 11 years earlier.

·      Refinance to 15 years – There are great interest rates available for mortgage loans. Consider a 15 year mortgage.

·      Principal Reduction – Watch for ways to add to your monthly payment a little at a time. When possible, increase the principal payment you make.

Paying off your mortgage builds wealth. Consider your life goals, including retirement. A 30 year loan taken out at 37 years old will not be complete until 67 – retirement age. The loan needs to be part of the overall financial plan from the beginning and making payoff a priority with a few simple steps can add up to huge savings in interest which can then be used for better investments.

The Cost of Home Staging

The Cost of Home Staging

Have you wondered if you should consider professional staging for your home before you list it for sale? Most of us have wandered into new home developments and enjoyed the ambiance of a perfectly styled model home. Of course we would all like our homes to give that same impression to potential home buyers, but what would that cost? Understanding the options available to you for staging can help you decide what, if any, professional staging makes sense for you and your budget.

What is Staging?

First it’s important to understand what professional staging includes. The best answer is, “it depends”! Staging can be as simple as a consultation or as involved as removal of existing furniture and replacing it with designer furnishings.

Needless to say, the cost of the two extremes are drastically different. Most homeowners who hire professional stagers are somewhere in the middle.

Staging begins with a tour of the room or home. Often simple placement of furniture can make a huge impact. The stager might also bring in elements to enhance the décor, such as colorful pillows, lamps, wall art or carpet. These are loaned to the homeowner for the duration of the listing.

Cost of Staging

Most stagers charge a flat rate for the initial consultation; this ranges from about $250-500, depending on the size of the home. If the homeowner determines that they also need furnishings, these are rented by the month and can range from $300-500 per room, per month. Additionally, there is often a minimum number of months required, typically 3 months.

Professionally staging your home is one option home sellers have to ensure their home is seen in its best light. Just as buyers fall in love with model homes, staging your home can bring a modern feel and entice buyers to write the offer. The best way to start is with your agent, to understand your market, competition and needs.

As I hold a Home Staging Certification, I do include staging as part of our marketing consultation. Make your appointment today!

Top Tips When Buying Vacant Land

Top Tips When Buying Vacant Land

Building a new home from scratch can be a dream come true. The idea of designing the perfect property with morning sun in the kitchen and evening breezes on the deck can be exhilarating; the first step to a successful project is finding the right piece of land on which to build. This can present challenges if not approached correctly.

Top Tips When Buying Vacant Land

• Hire Experience – More than most real estate transactions, it’s critical to hire an agent who understands and has experience in vacant land purchases and can guide you through the steps.

• Expect to Pay Cash – Finding a lender for vacant land can be very difficult. Those who will finance land typically require a 50% or higher down payment and above average interest rates and terms.

• Get the Neighborhood Comps – Do not neglect to understand home values in the community so you do not over, or under, build your home.

• Do Your Due Diligence – It is critical to research the property thoroughly. Just a few considerations much include.

  • Site Surveys and Environmental Testing

  • Easements and Zoning Restrictions

  • Lot Survey and Boundaries

  • Utilities and Water Rights

Once you’ve completed these preliminary reviews, it’s time to consult with an architect and General Contractor who will then begin to develop concept drawings to consider. Even at this stage, you might find that the home you want is not appropriate for the land you’ve chosen. Staying flexible is a key component to searching for land; remember that by following a few tips, you can ensure you find the right lot for your dream home.

What Does "Move-In-Ready" Really Mean?

What Does “Move-in Ready” Really Mean?

If you’ve been searching for a new home no doubt you’ve seen the term, “move- in ready.” This description sounds very appealing, but understanding what it actually means is important so you have the right expectations when arranging your home listing tour.

First it’s important to remember that the descriptions in real estate listings are written by the listing agent or broker. There is no set industry standard for what agents can say in their listings. While there are guidelines and rules which prevent blatant lying, most home buyers have become aware of the fluffy language used to market a home for sale.

The meaning of “move-in ready” is fairly straightforward; it means that the home is in a condition which is acceptable for immediate occupancy. The home meets the standards of living and assures the buyer that the essential elements needed to occupy the home are present and in running condition. For example, the home should have working plumbing, appliances, sound roof, electricity, gas and locking doors and windows.

What “move-in ready” does not necessarily mean is that the home is in pristine condition. A home that is “move-in ready” might still need significant updating and while systems are assumed to be operational, they might still be old or outdated.

“Move-in ready” is a common phrase in real estate listings. Understanding that the home might still need quite a bit of work to suit your taste and lifestyle, you can approach the listing with realistic expectations and determine if the property is the right fit for your needs.

3 Must-Do's Before Listing Your Home For Sale

3 Must-Do's Before Listing Your House for Sale

Before you list your home for sale, it’s time to do a little work around the house – to prepare and make sure your home is seen in the best possible light. These “must-do” items are about showing your home to buyers as one which is cared for and ready for them to add their own brand of home to the space. Taking a little time up front can mean thousands of dollars as buyers start writing their offers.

3 Must-Do’s Before Listing Your House for Sale

1.      Declutter, Depersonalize and Clean – This is the time to take spring cleaning seriously, in any season. Clear out all unnecessary items from the home; closets, drawers, extra clothes, old unwanted furniture. Donate to charity, hire a dumpster or rent a storage space; buyers will look in every space and open all drawers and cabinets, make sure your home seems spacious. Spend some time to depersonalize by removing excessive pictures and hide heirlooms. Finally, deep clean every space top to bottom.

2.      Address Deferred Maintenance – Make small repairs or hire a handyman to take care of problems which could appear during the home inspection. Replace caulking, fix broken windows and screens, replace light bulbs and freshen up and clean grout; buyers want to see a home that is cared for with “good bones.”

3.      Go for Curb Appeal – Spend some time in the yard. Trim bushes and trees, clean and repair hardscape and make sure there is adequate lighting. Welcome your buyers with seasonal flowers or décor and place a fresh mat by the front door.

Before you put that sign in the front yard, spend a little time and elbow grease to make sure you welcome your potential buyers with the best version of your home.

Maximizing Space in a Small Kitchen

Maximizing Space in a Small Kitchen

A small kitchen doesn’t have to mean dark or cramped, you can maximize a small kitchen by using these clever tips. From tricking the eye to great ways to get extra storage, these easy design ideas will help you love your small kitchen.

• Tone on Tone Colors Scheme – Trick the eye by using subtle variations of the same color palate.

• Strategic Shelving – Add a shelf above the backsplash to add room for spices or décor; place on a wall to display glasses or dishware and gain extra storage in the process.

• Design with an Island – If possible, open a closed off kitchen to the family or breakfast room, use an island as double duty by adding a breakfast bar on one side and sink, dishwasher and storage on the other.

• Tile a Whole Wall – Consider making a blank wall a focal point by tiling the space floor to ceiling. Glossy tile brings interest and light to the kitchen.

• Big Style Elements – There is no need to shy away from large fixtures simply because the space is smaller. Large retro pendant lights are a great way to not only light the space but add interest and a modern vibe to the kitchen.

• Seek Extra Storage – There is plenty of hidden storage opportunities in most kitchens. Pull out drawers are a great way to access the recessed areas of pantries and cabinets.

Small kitchens can be just as inviting as their spacious counterparts. With a little creativity and stagecraft, your kitchen can be the heart of the home, at any size.

Easter Dinner Take Out

Not in the mood to cook this Easter Sunday?

I certainly am not interested in cooking Easter dinner so I made some inquiries, did some research and thought I would share with you the results for who has special Easter dinner offerings!

Here are some local Montgomery County restaurants offering special menus for Easter.

Please note: You may need to call a day or more in advance to order.

1. Piero’s Italian Restaurant- Website

   3500 Reading Way, Huntingdon Valley, PA 19006

   Phone (215) 947-3650

2. The Capital Grille- Website

236 Mall Blvd, King of Prussia, PA 19406

(610) 265-1415

See website for menu.

3. Spring House Tavern- Website

1032 Bethlehem Pike Spring House, PA 19477

215-646-1788

Pick-up times will be from 12PM – 4PM on Easter.  Place your orders by Friday, April 10th by calling 215-646-1788.

4. Na Brasa / Iron Abbey- Website

680 N. Easton Rd., Horsham, PA 19044

(215) 956-9600

5. Iron Hill Brewery- Website

Locations in: Huntingdon Valley, North Wales, Ardmore, Chestnut Hill, Philly, Media.

From Their Website:

While social distancing will keep us all away from gathering with family and friends this holiday, let us add some joy to your table with a family-style Easter dinner for four, for just $38! Place your order by Thursday, April 9th for pick up on Saturday, April 11th. Then, just warm and serve.

Easter Menu

Sliced Applewood Smoked Hamserved with honey glaze 

Smashed Yukon Gold PotatoesButtery Haricot VertsToasted French Bread  

Add a growler of any of our draft beer selections for $12

6. Bacco’s Ristorante- Website

I love Bacco’s :) If you haven’t tried them before, consider doing their regular menu for take out one day!

FAMILY-STYLE MEALS FOR PICK-UP.
ORDER BY 3 P.M. THURSDAY, APRIL 9 FOR PICKUP ON SATURDAY, APRIL 11 BETWEEN 4 AND 9 P.M.

To order call (248) 356-6600 or email dean@baccoristorante.com

All dinners include a quart of soup and mista salad, choice of gelato, tiramisu or torta banana for dessert.

MAIN

BRAISED LAMB SHANK
spring peas | polenta
100 for four | 140 for six

LASAGNA DINNER
50 for four | 65 for six

CHICKEN ALLA NONA
potatoes | sausage | white wine
60 for 4 | 90 for 6

BRAISED SAUSAGE & BEANS
48 for 4 | 64 for 6

BEEF BRISKET RAGU
45 FOR 4 | 64 FOR 6

CAVATELLI VERDE
veal | pea ragu
45 for 4 | 65 FOR 6

SALADS

GERMOLIGIO
CAESAR
ITLAIANA
30 for 4 | 50 for 6

CONTORNI
asparagus | potoato | zucchini
8 person

WINES

Marramiero Dama Montepulciano 16
Marramiero Dama Trebbiano 16

Other places rumored to have Easter Dinner Specials but I can’t find any web presence for them:

Keep Restaurant in Jenkintown

Bernie’s in Glenside or Hatboro

William Penn Inn in Gwynedd is already sold out :(


Email me with any other restaurant suggestions for Easter! Shaina@MontCoLiving.com

Down Payments Explained

Down Payments Explained

A down payment is the amount of cash a home buyer puts toward the price of a new home. It accomplishes a few things; first it reduces the amount of money you need to borrow and it reduces the risk the lender takes in loaning the money. By reducing the risk, the borrower will typically get a better interest rate on the loan and increase the amount of home they can buy.

How Large a Down Payment Do You Need?

The amount of down payment needed depends on the type of the loan, the lender and the property price itself. While most of the 0% down home loans of the last decade are gone, Veterans can still purchase a home loan with no down payment. Other programs include FHA loans with as little as 3.5% down.

Conventional loans typically require a 20% down payment, but some allow as little as 5%.

Is it Better to Make a Larger Down Payment?

In addition to the down payment, buying a home also requires cash for closing costs and some reserve savings to guard against unexpected financial concerns. One thing to remember though is that any financing with less than 20% down will require private mortgage insurance – a monthly payment which protects the lender in the event of default.

The best amount of down payment should be determined in consultation with your lender and your tax or financial advisor, but the quick answer is “it depends.” By working with a trusted lender, explore your options and you will make the best decision for your needs.

Ask me for the Homebuyer Guide which includes a list of local lenders recommended by past clients

What Type of Mortgage is Right for Me?

What Type of Mortgage is Right for Me?

When our parents were buying their first home, there was one way to finance the purchase. You would walk down to the corner bank and asked for a 30 year mortgage. Today the average home owner moves every 5-7 years. Depending on your needs there are a number of mortgage options you might consider, each with its own advantages and disadvantages, spending some time to understand the options is the best way to choose the right loan for your needs.

While loan programs and terms vary, the most common are:

·      Conventional - A conventional loan is normally still designed to be paid off in 30 years with equal monthly payments during the term of the loan. There are currently conventional loans that require as little as 5% down, although 20-25% is still commonplace.

·      FHA - An FHA loan is guaranteed by the Federal Housing Administration and is attractive for a number of reasons, especially for the first time home buyer. The down payment can be as little as 3.5% and that can be a gift.

·      VA - VA (Veteran Affairs) is a loan program offered for Veterans and their spouses. While the terms can vary from 0-5% down payment, this loan may allow the borrower to finance as much as 100% of the home’s value in the loan.

Your lender will also have more specialized options for you, such as adjustable rate loans and 10 or 15 year loans. They can also explain the additional costs that could be associated with each type of loan program.

Part of purchasing a home is to find the right financing. Your lender will talk you through your options. If you have not already spoken to a lender, or if you need a referral, your real estate agent is a great resource for you.

Ask me for my Home Buyer Guide which includes information on local lenders recommended by past clients

Why do Homes Listed with Professional Real Estate Photos Sell Quicker and For More Money?

Why do Homes Listed with Professional Real Estate Photos Sell Quicker and For More Money?

If you are planning to list your home for sale, you probably already know that you need to prepare your home for the market. The point is to create the most attractive, welcoming version of your home to entice buyers into the home and encourage offers. Your listing needs attention also! Professional photography is the best way to attract those buyers and to ensure you get the best possible price in the shortest timeframe.

Most buyers now start their home search online. Online listings with professional photography receive significantly more views than those without. Buyers tend to linger on the site longer as well.

Professional photographers do far more than snap pictures with the right lens. They understand how to create the right emotional response in the viewers. They have experience working with listings and homes and normally they specialize in real estate.

You already know that homes must be staged to some degree for sale. Buyers must be able to envision themselves living in your home. Photography is about lighting and angles. A good photographer can bring out the best in your home by using these techniques in their shots. Professional pictures can play with light and position to allow your home to appear spacious and bright.

Professional photography is no longer reserved for luxury property listings. More and more agents are seeing the value of beautiful pictures. Make sure your home stands out among the sea of listings as potential buyers sort through properties online. Professional photography will help you sell your home faster and for a higher sales price than those without. Present your home in the best possible light to attract those buyers and encourage them to visit and write you an offer.

Photos are included for all my sellers! You never have to worry about cutting corners when it comes to my professionalism and expertise when marketing your home. Reach out today to make an appointment!

The Home Selling Process

The Home Selling Process

Are you planning to sell your home? Regardless if this is your first time as a home seller, or maybe you’ve sold many homes, understanding the selling process can assure you that things are going smoothly. Successful transactions don’t just happen; it takes experience and professionals to navigate from staging to closing.

Who Do You Need?

• Real Estate Agent – Before you start, meet to discuss your home sale. Your real estate agent should have experience and put your interests before their own (contact me to find out more).

Timeline For Your Home Sale

• Meeting With Your Agent – Your agent will tour your home and discuss your market value (including a comparative market analysis), timing and financial goals in order to create a custom plan for selling your home.

• Preparing Your Home For Sale - Typically even a dated home can be spruced up with small changes in furniture placement, fresh paint, new lighting and/or minor repairs.

• Listing Your House - Once your home is ready for buyers, you will list your home and your agent will implement their marketing plan.

• Offers - Once offers are received, you will meet with your agent to review them together and determine how to respond.

• Escrow Process For Sellers – The buyers will complete funding requirements, obtain an appraisal and home inspection. As the seller you will also complete any conditions you’ve agreed to, such as repairs or maintenance items.

• Closing – Once all conditions have been completed, you will close the sale and receive the proceeds.

The sales process is a series of steps that you and your agent will take together. Knowing what to expect, and when, can alleviate the uncertainty you might feel as a seller. Each sale is unique which is why a professional and experienced real estate agent is imperative to guide you through the transaction.

Contact me today to get started!