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Posted by Ada Cimpeanu on 10/13/2019

The process of buying a home is anything but cut and dry. There will undoubtedly be some twists and turns along the way. First, you need to be pre-approved for a mortgage. Then, youíll need to find a home that fits both your needs and your budget. Finally, youíll put in an offer on a place and hope for the best throughout the rest of the process.


There are plenty of things that you can do as a buyer to make buying a home both easier and more streamlined. Below, youíll find some of the best tips that are specifically for those seeking to buy a home. 


Give Them An Offer They Canít Refuse


When there is a low quantity of homes and a high number of buyers, competition can get fierce. When the market is like this, youíre not guaranteed to get a property that you put an offer on. It may take making several offers on homes in order for you to finally get the keys to your dream house. 


You never want your offer to be too low. A low offer could be insulting to sellers and instead of being countered, could just be outright refused. Make an offer too high and you still have a problem. A high offer may be accepted, however, itís not going to be approved by your mortgage company for you to borrow that much for the purchase. If an offer is accepted and a home appraises for less, you may be left with thousands of dollars that you need to pay on the spot in order to secure the home. 


The best way to present an attractive offer is to work with an expert realtor who can do the appropriate research and let you know what a good offer on the home would be.           


Know Your Contingencies


After an offer on a home has been accepted, you need to get to work on the contingencies that youíre going to want on the home. Your realtor will also be a huge advocate in this area. Contingencies will include things like the right to do a home inspection, the appraisal contingency, and the contingency that youíll only be able to move forward with buying the home if you have appropriate financing. These protect you as a buyer so that if something falls through, youíll be able to back out of the deal without a penalty.


Donít Go Credit Happy


Once your offer is accepted and your financing is in place, donít head out to buy tons of new furniture and appliances for your new home. Your credit matters until you get the keys to the house. Opening new credit cards or adding significant debt can affect your credit score negatively, possibly putting a damper on your home purchase. Hold off on making purchases until after you move into the house.    





Tags: Buying a home  
Categories: Mortgage   Financing  


Posted by Ada Cimpeanu on 10/6/2019

You've spent plenty of time vacationing in warmer weather, so you should be prepared to move from New England to Florida, right? Maybe. But just in case there are things youíve forgotten, hereís a quick list of moving tips to ease your way into that sunshine state.

  • Separate Your Clothes: When youíre packing up, you're entire life to move across the country, a bit of organization is in order. Odds are those winter coats and boots will rarely see the light of day in warmer climates, so ease your way by packing them separately. When you organize your clothes by season during packing, you can ease the move in by pre-allocating certain items for seasonal storage. This arrangement also lets you determine just how prepared you are for yearlong heat, humidity, and rain. Worse than not finding your warm weather clothing is having none at all.
  • Bring the Sunscreen: Moving closer to the equator or just into a sunnier climate increases your chance of harmful sun exposure. Examples include anything from minor sunburns to blisters and heat exhaustion depending on your skin type and heat exposure. Be prepared by making sure you get plenty of shade and use correctly applied sunscreen for protection. Invest in hats and umbrellas to broaden your sun protection and slowly increase your exposure from day to day to build up your tan.
  • Drink Plenty of Water: Increased heat and humidity lead to increased sweating. Don't worry; everyone will be in the same condition. The only way to replace that vital liquid is to drink plenty of water. Stay away from high caffeine and sugary drinks in lieu of herbal teas and light vegetable waters if you need flavor. Still not satisfied? Try the flavored fizzy water now gracing every shelf. The bubbles don't stop it from hydrating you.
  • Remember to Bring a Sweater: This is one of those tips that sounds illogical, but wait. When its eighty plus degrees outside most of the year, everyone has air conditioning, and its always on. That means you're constantly going from ninety to seventy to eighty-five to sixty-five degrees throughout the day. Those drastic temperature drops feel great at first, but after a while, they get quite chilly. It's best always to keep a light sweater, hoodie or wrap nearby to combat that chill. Even better, when you go outside a lightweight jacket or shirt with sleeves can help protect your skin from the sun.
  • Keep an ice chest in your vehicle: In many climates, all thatís required to protect your groceries is the shade from your trunk. They might even be safe on your back seat, especially in cold weather. In the heat and humidity, everything changes. Vegetables will wilt, milk will curdle and all during your drive back from the market. If you have to make a second stop, you can lose it all. Most grocery stores in hot climates will hand out free bags of ice with your purchase. Even fast food restaurants often sell bags of ice, so you can stop in and refresh if you have a long drive. Just put the free ice and the groceries into your ice chest and continue with your errands, heat problem solved. 

When youíre relocating to a drastically different climate, be sure to check with your real estate agent about different property needs and tips to make your move easier.




Categories: Moving Tips   homebuyers   Relocating  


Posted by Ada Cimpeanu on 9/29/2019

If you plan to sell your house in the foreseeable future, it often helps to declutter. That way, you can eliminate excess items from your house and make it easy for buyers to envision what life may be like if they purchase your residence.

Before you start to declutter, there are several steps that you should follow to achieve the best-possible results, and these are:

1. Consider Which Items That You Want to Keep

One homeowner's treasure is another's clutter, and vice-versa. Thus, you'll want to take a close look at your personal belongings and determine which items are keepers and which items are clutter.

If you find that you have lots of clutter, there is no need to worry. Remember, you can always sell excess items at a yard sale or online. You also may be able to donate various excess items to charity or give them to family members or friends.

2. Examine Clutter in Each Room of Your Home

Clutter rarely is confined to one room of a house. As such, you'll want to closely examine each room of your home and identify all clutter before you list your residence.

Oftentimes, it helps to make a home decluttering checklist that includes each area of your home. This checklist will enable you to take a room-by-room approach to remove clutter and may help you streamline the decluttering process.

3. Evaluate Your Storage Options

Although you likely will find plenty of clutter in your home, you may identify a wide range of items that you want to keep too. At the same time, you probably want to remove as many items from your house to show off the true size and beauty of your home to potential buyers.

Ultimately, it helps to evaluate storage options prior to decluttering. This will ensure that you have plans in place to store myriad items as you start to remove clutter from your house.

Many home sellers choose to rent storage units for their personal belongings. These units generally can be rented on a monthly basis and enable home sellers to keep their belongings safe until their houses are sold. Furthermore, it may be beneficial to pick up storage bins to temporarily store myriad belongings in your house's attic or basement.

If you need extra assistance as you prepare to declutter your house, it frequently helps to reach out to a real estate agent. This housing market professional can offer expert decluttering tips, as well as guide you along the home selling journey.

A real estate agent will set up home showings and open house events, negotiate with a buyer's agent on your behalf and much more. Therefore, with a real estate agent on your side, you can increase the likelihood of a quick, profitable home selling experience.

Ready to declutter and list your residence? Follow the aforementioned steps, and you can eliminate clutter and move closer to selling your house.





Posted by Ada Cimpeanu on 9/22/2019

For those who want to enjoy a successful home selling experience, identifying your target buyer is key. Because if you understand why buyers may choose your residence over other available houses, you can promote your home to the right groups of buyers. And as a result, you may be better equipped than ever before to streamline the house selling journey.

Now, let's take a look at three tips to help you identify your target buyer so you can promote your house effectively and speed up the home selling process.

1. Consider the Buyer's Perspective

Think about why a buyer should choose your residence. Then, you can find ways to promote your house's features to the right groups of buyers.

Ultimately, a home listing can make a world of difference, particularly for those who want to engage and inform prospective buyers about a residence. If you analyze the buyer's perspective, you can craft your house listing accordingly.

For example, if your residence is located just minutes from top beaches, you may want to include this information in your home listing. On the other hand, if your home offers multiple bedrooms, you may want to include high-resolution photographs of these bedrooms in your listing to show off the size and beauty of your house.

2. Conduct an Inspection

A home inspection generally is completed after a seller accepts a buyer's offer to purchase his or her house. But when it comes to identifying your target buyer, you may want to conduct an inspection prior to listing your residence.

During a home inspection, a property expert will examine your residence and offer insights into any underlying issues. You then can prioritize home upgrades, and as such, make your home more appealing to potential buyers.

With a home inspection, you may be able to gain insights into your residence that could be difficult to obtain elsewhere. Thus, if you perform an inspection, you can find ways to improve your residence so you can make your house an attractive option to dozens of prospective buyers.

3. Consult with a Real Estate Agent

If you are unsure about how to target buyers, you may want to collaborate with a real estate agent. In fact, if you have a real estate agent at your side, you can receive expert home selling advice any time you need it.

A real estate agent understands the challenges commonly associated with selling a house and can help you address such issues. First, he or she will develop a personalized home selling strategy and help you showcase your residence to the right groups of buyers. He or she next will host home showings and open house events. And if you receive an offer to purchase your home, a real estate agent can recommend whether to accept, reject or counter this proposal.

Devote time and resources to learn about your target buyer Ė you will be glad you did. If you use the aforementioned tips, you can identify your target buyer and map out a successful house selling journey.





Posted by Ada Cimpeanu on 9/15/2019

Thereís a lot of things to think about before buying a home--some financial, others personal. Most people tend to focus on one or the other. However, both are instrumental in choosing the right house and buying at the right time.

In this article, weíre going to talk about some of the ways you can determine if youíre ready for homeownership. Weíll discuss things like credit scores and down payments, but also important life factors like your career and future plans.

Getting your finances in order

There are a few simple things you can do right now that will help you understand if youíre financially secure enough to start looking at houses. First, youíll want to look up your credit score.

Lenders strongly consider your credit when determining how much risk is involved in lending to you. A higher credit score can not only get you approved for a mortgage, it can lower your interest rate and make you eligible to borrow without having to pay private mortgage insurance.

The amount of money this saves seems trivial in the short term, but over the lifespan of your loan it can save you tens of thousands of dollars. So, read a free credit report and if your credit is lower than 700 start finding ways to improve your credit.

In the meantime, youíll want to save for a down payment. While itís possible to buy a home with a small or no down payment, it can come back to haunt you in the form of interest as you pay off your loan. Furthermore, many lenders wonít pre-approve you unless you make a down payment of a minimum amount (often 20% of the loan).

If you have a high credit score and youíve saved for a down payment, another thing to check off your list would be proving your stable income. This can be difficult for the self-employed, contract workers, or people who have recently changed jobs.

Lenders want to see that you have a stable income history to ensure that youíll be able to pay your mortgage each month. If you recently changed jobs or are in between jobs, it could be to your benefit to wait 3-6 months before getting pre-approved. In that time, you can continue to raise your credit and save for a down payment, further increasing your chances of getting a low-interest loan.

Preparing for homeownership

While the financial aspects of homeownership are important, so are the personal aspects. Youíll want to consider several life factors before buying a home.

First, think about your longterm goals. Do you want to live in the same area for the next 10 to 30 years? Will your career bring you to different regions or will you attend school somewhere else? These questions will help you decide if itís a good time to buy or a better investment to save money while renting.

If you have a family (or plan on having one soon), youíll also have to find a way to balance all of your living needs.

Finally, ask yourself if you have time for homeownership. Many people who are used to renting arenít aware of the amount of time and money it takes to maintain a home. Youíll have more bills, youíll have to mow your own lawn, and youíll be responsible for maintenance of your home.