When you are preparing to list your home for sale, you may take various steps to stage the interior so that it is appealing to a potential buyer. In addition to various steps you may take with staging the interior, you want to pay attention to your yard as well. During the spring months, many yards look fresh and vibrant, but they also need some extra care in order to boost curb appeal and make a great first impression on buyers.
Focus On Your Flower Beds
Whether you have one small flower bed or several sprawling areas of beds, you should ensure that all of the vegetation looks fresh and tidy. Trim bushes, and add bright spring annuals to brighten up the space. Pull weeds, and add a layer of fresh mulch to your flower beds to give them a finished, well-maintained look.
Keep The Lawn Neat And Tidy
During the spring months, your lawn may revive from its dormant winter state, and you may find it growing rapidly. The green hue of a spring lawn can have a powerful benefit to curb appeal, but you want to keep the lawn trimmed and edged regularly to give it a manicured appearance. This can also minimize the impact of the look of weeds that may occasionally crop up throughout the spring months.
Pay Attention To Your Patio And Entryway
While your vegetation will require some effort to maintain while you list your home, you do not want to overlook your patio and entryway. These are often visible from the street, and they will be viewed up-close when buyers tour your home. Ensure that the area is clean, and power wash it if necessary. Consider updating front door hardware and the entry mat if they appear worn or dated. You may also need to sweep these areas regularly while your home is listed for sale.
Staging your property can help you to sell your property more quickly and for top dollar, but your staging efforts should not be focused entirely on the interior of your home. Your landscaping also requires extra effort when you are getting your home ready to sell, and these tips can all help you to spruce up your landscaping with beautiful results. You may seek more customized information tailored to your property when you speak with a real estate agent about listing your home.
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Here is my Top 5 Reasons to be a Pre-Approved Shopper:
Know exactly how much you can afford, and you won't waste time looking at homes you can not afford.. Or get your heart set on.
Many times, in today's market, you will face multiple offers on the table for the same property. If you have a Pre-Approval letter from your Lender (ME-of course), you will have the upper hand and possibly save you money with a slightly lower offer.
3. Saves you Time
With your Lender already having checked your Credit - Income - Assets, you will have saved time once you put your offer in for your new home. Now all your Lender (ME-of Course), has to do is gather the information and additional data needed for closing, and order your appraisal.
4. Additional Costs
With an Initial Itemized closing costs sheet, a Good Faith Estimate - GFE, provided by your lender, you are now armed with all the information on costs coming your way. You will not be blindsided working with ME, and feel more in control of your money. It will also help when making decisions on buying a home that might need repairs, landscaping, renovations, and any other work you may want done.
5. Power in Negotiations
Being pre-approved for a mortgage lets homeowners know that you are serious about buying a home and demonstrates you have the ability to perform. This gives the buyer the advantage of strength in negotiations since your approval is as good as a “done deal” when it comes to buying a home, and allows you to offer a lower price than what a property is listed for on the market. Owners may be debating between your offer and a higher offer from a buyer who hasn’t been pre-approved. Your status just might motivate them to be a little more flexible with your terms.
We are ready to help you save money today, with an EASY Streamline process of your Current FHA loan.
Not only did FHA drop their monthly insurance charge from 1.35% - down to .85%, but the FHA Mortgage Rates are as low as ever, meaning double savings for LONG TERM benefits Today!
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Buying newly constructed real estate isn’t much different from buying an “already used” home. What variances there are, however, can make all the difference between buying a diamond or a lemon.
Here are a few tips to keep in mind when buying new construction:
Tip #1: Don’t Use The Builder’s Sales Agent – Hire Your Own
If they’re the builder’s agent, they’re being paid to represent the builder, no matter what they tell you. Your own real estate agent, who is representing you, is required to tell you the negatives as well as the positives. The builder’s agent doesn’t have to tell you the drawbacks of the transaction.
Tip #2: Find Your Own Lending Agency
Again, if you go through the builder, the lending agency may offer you a deal that isn’t in your best interest. In addition, the builder may actually own the lending company, and will have full information on your personal progress.
Your real estate agent can refer you to a reputable lender, if you don’t already have one of your own.
Tip #3: Talk To A Real Estate Agent Or Lawyer
Although standard agreements are made to keep everyone out of court, they aren’t necessarily in your best interests. Ask about cancellation rights and make sure you understand both your liability and your commitments. Also, check your contract to make sure it doesn’t contain warnings about health issues.
Tip #4: Decide What Options Or Upgrades You Want
Remember that the profit margin for many builders is highest in upgrades. Find out if your lender allows the options and upgrades you’ve chosen to be added to the loan. If your lender doesn’t allow this, the cost of the upgrades will come out of your pocket in cash.
Tip #5: Research The Builder
It’s amazing how many people think a builder is good, simply because they can build a house. Unless you’re a licensed home inspector, the chance of you catching a cut corner or shoddy building practices is slim to none.
Check out the neighbors’ homes and talk to them. Are the homes a consistent size or are they shrinking in size? Do the neighbors have consistent complaints about the quality of their homes? Also, check public records for lawsuits.
Owning newly constructed real estate and knowing that you’re the first person to live in the home can be a wonderful, exciting experience. Make sure that you protect yourself so you can enjoy it!
Thinking of buying newly constructed real estate? Talk with me before you start shopping. If you visit a builder prior to working with me, I won’t be able to legally represent you with that builder.
To find out more about how I can help you save money and get the best terms when buying newly constructed real estate, call or email your trusted mortgage professional for more information.
Are you thinking about using a mortgage to buy a new home? Buying your own piece of local real estate is a major financial investment and one that can require some pretty complex math to fully understand.
In this blog post we’ll discuss mortgage calculators and how to use one of these tools to determine your monthly mortgage payments, interest charges, amortization periods and more.
Determining Your Principal and Down Payment Amounts
To get started with a mortgage calculator you’ll need to know how the price of the home and how much you intend to contribute as a down payment. Generally speaking you’ll want to place a down payment of at least 20 percent in order to avoid having to pay for private mortgage insurance and to give you access to better interest rates.
Choosing Your Interest Rate and Amortization Period
Now that you have an idea of the amount of mortgage financing you’ll need, the next step is to choose your interest rate and amortization period. Different lenders will offer different interest rates for every one of their mortgage products, so again you’ll want to play around with these numbers and run the calculation to see which combination of mortgage financing, interest rate and amortization period gives you a monthly payment that suits your budget.
Using a Mortgage Calculator for Refinancing
If you’re thinking about refinancing your current mortgage you can also use a mortgage calculator to help make the math a bit easier. Simply use your outstanding mortgage balance as the principal amount and then choose an amortization schedule that fits your financial goals. Be sure to keep an eye on your interest payments, as you may find that by refinancing to a longer amortization period your monthly payments go down but your total interest paid is quite a bit higher.
Don’t Forget the Closing Costs
Finally, don’t forget that there are numerous “closing costs” – fees, taxes and more – which you’ll need to factor in to your overall calculation. Closing costs will include everything from home appraisal fees to government filing fees and property taxes, and will vary depending on the home and the city or community you’re buying in.
While online mortgage calculators can handle the tricky math to determine monthly payments and interest costs you may still find that you have questions about your mortgage or some aspect of the process. For more information, contact your local mortgage professional and they’ll be happy to share their advice and expertise.
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American Housing Captal LLC. d.b.a TotalChoice Mortgage | NMLS ID 34976
Schaun Blakeslee NMLS#873166 An Illinois Residential Mortgage Licensee, Is Regulated by the State of Illinois Department of Financial and Professional Regulation, Division of Banking located at 100 West Randolph Street 9th Floor, Chicago IL 60601, Mortgage Banking Examinations Phone 312-793-3000
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