Carla Ness' Blog
Like it or not, selling your home can be a tumultuous time. As such, you may experience a wide range of emotions after you add your house to the real estate market.
Some of the most common feelings that home sellers may experience include:
Selling your home can be exciting. In fact, the home selling process represents a time of change, one that enables you to move on to bigger and better things.
For home sellers, the sheer volume of home selling options may excite you as well. At this point, you'll need to consider the asking price for your home, whether to complete various home improvement projects and other home selling essentials. Plus, you'll need to consider where you'll go after you sell your residence.
With an experienced real estate agent at your disposal, you should have no trouble staying excited throughout the home selling process. Your real estate agent will ensure that you have a plan in place to sell your house and relocate after it sells.
Furthermore, your real estate agent will keep you informed about home showings, offers on your residence and much more. He or she will do everything possible to stir up interest in your home and create plenty of excitement about your residence among potential homebuyers too.
When the time comes to finally leave your home, it can be difficult to relocate.
Sadness is common among home sellers, particularly as the home selling process progresses. For example, you may feel sad as you look back on all of the great memories of your house. And after you receive an offer on your residence, you may start to realize that your time in your current residence is running short.
If you ever feel sad during the home selling journey, reach out to your real estate agent. He or she is available to support you through the ups and downs of the home selling journey. Also, your real estate agent understands the challenges associated with selling a house and is happy to support you in any way possible.
Elation arrives on the day that you sell your house. At this time, a homebuyer will be ready to purchase your residence, and you and the homebuyer have agreed to terms. Now, you just need to finish the final paperwork, and you will complete the home selling journey.
Your real estate agent understands that the home selling journey may seem endless at times. However, this professional will offer expert recommendations and suggestions to ensure you can get the best results possible.
In addition, your real estate agent wants the home selling process to be seamless. To accomplish this goal, he or she will allocate the necessary time and resources to promote your residence to potential homebuyers. By doing so, your real estate agent will make it simple to accelerate the homebuying journey.
Employ a real estate agent to help you sell your house, and you can speed up the process of selling your house.
If you’re in the market to buy a home, one of your worst fears may be that of getting into a bidding war. What if you knew it was possible to actually score a home without spending a penny more than your budget? Below, you’ll find some tips that you should heed before you even put an offer in on a home.
Know Your Budget
The first step is to know your budget. If you can spend a bit more than the asking price on a home in a seller’s market, you may want to do just that. Buying a home is an emotional roller coaster and it’s easy to get sucked in. You need to think of all things practical before you even put a number on paper for an offer on a home. Work with your lender so that you know what you can spend. You can even consult your lender before you put an offer in if you know the circumstances of the home that you’re working with. The earlier you submit your offer the better.
Make The Offer Personal
An offer should have some personality and drive attached to it. First, your agent needs to speak with the listing agent. It’s surprising just how many offers are placed where the agents never even speak. As a bonus, you can write a letter to the seller. Let them know how much you love the property, the neighborhood, or their wonderful herb garden that you plan on maintaining. Add some personal flair to your offer to give yourself a leg up as a buyer.
Try To Close Sooner
There’s nothing more attractive to a motivated seller than a shorter time frame for closing. If the seller knows that you can close a deal in a shorter period of time, you may be able to win the deal with your sweet incentive. You can close on a deal faster by doing the inspection quickly. If you’re pre-approved for a mortgage that also helps speed the process along. You could even go a step further and get a conditional approval from the lender.
Give The Sellers What They Want
If the sellers happen to need more time in their home, give them space (unless of course you’re in a hurry to move.) By cooperating with the sellers and not being a high maintenance buyer you can certainly give yourself an advantage in the home buying process. If you really want to impress a seller, submit an “as is” offer. A seller won’t turn down something that’s easier for them.
The kitchen is the center of the home. It’s where families ultimately end up gathering throughout the day. Whether for breakfast, dinner, to chat over tea or wine it’s a place for connection with those we care about.
And as a room that we spend so much of our time in why shouldn’t it be the best room in the house? Here are five kitchen features to look for while house hunting for your dream home.
Custom cabinetry promises quality, natural wood that has been hand designed by a craftsman. No out of the box carbon copies here. Since time and resources were allocated towards adding custom cabinetry you can also be sure careful planning was as well. The cabinetry should enhance and fit artfully within the kitchen and around architecture capitalizing on space.
A large kitchen island is quickly becoming a necessity for homeowners upgrading their spaces. Providing more than just extra prep space it allows for the family to gather while cooking, working on homework or socializing over cocktails. Look for options that can comfortably seat six to eight people especially if you love hosting others often.
Depending on your preferences you may find your countertops more important than counter space. Quartz and marble countertops are quickly replacing granite. And rightly so, they make for a stunning centerpiece of the room. They are slightly more high maintenance but well worth the effort. If you are so lucky to have these countertops in your new home be sure to pick up some trivets with padded feet and Bar Keepers Friend to preserve their natural beauty.
Natural stone tiling is forever a classic. If you’re seeking a home that is timelessly elegant natural stone is a must-have. Marble is the most coveted. And if radiant heat flooring is on your wishlist for those early Sunday mornings cooking pancakes natural stone makes for a perfect duo.
A walk-in pantry for the home chef is akin to a shoe closet for the fashion forward. Allowing plenty of storage space, a walk-in pantry begs to be filled with cookbooks, specialty ingredients and you’re most prized appliances to be put neatly on display. Consider the proximity of each pantry to your cooking space. You’ll want one that feels like a natural extension to the kitchen and not like you’re going out of your way each time you need to gather necessary ingredients and supplies.
If you have your heart set on any of these features but find an almost perfect home without them leave room in your budget to upgrade after the sale. This way you will not only have upscale features but ones that are completely customized to your exact preferences. You’ll have plenty of time to make these decisions without the rush of balancing out the pros and cons before placing a bid.
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If you're planning to purchase a home in the near future, one thing's for sure: You've got your work cut out for you! However, when you finally find the house of your dreams, the time and effort will be more than worth it!
Your to-do list will include calculating how much you can afford to spend on a house, obtaining a pre-qualification letter from a mortgage lender, and eventually comparing loan estimates.
One of the first things home buyers usually need to do before getting too caught up in their real estate search is to check their credit score. Your credit report, which is basically a detailed profile of your credit history, plays a major role in your ability to get approved for a mortgage and obtain favorable interest rates. Consumers are entitled to get a free copy of their credit report once a year from the three major credit reporting companies: Equifax, Experian, and TransUnion.
Before applying for a mortgage, it's highly recommended that you check the accuracy of your credit report. If it contains mistakes, inaccuracies, or obsolete information, that could affect your ability to get a mortgage -- or obtain favorable interest rates and terms. Fortunately, errors can be disputed and corrected by the appropriate credit reporting company.
The Impact of Your Credit Score
The most widely used scoring system to determine a borrower's ability (and willingness) to stay current on loan payments is called a "FICO score." Depending on your credit history and bill paying habits, your FICO score can range from a low of 300 to a high of 850. If you're wondering how your FICO score stacks up against other homebuyers and consumers in the U.S., the median FICO score was recently in the neighborhood of 721 (although that number fluctuates). That means 50% of borrowers are above that score and 50% fall below that mark.
According to the Consumer Financial Protection Bureau, the best mortgage interest rates are generally offered to borrowers who have earned FICO scores in the mid- to high 700s. If your credit score falls between the high 600s and the low 700s, the interest rates available to you may be somewhat higher.
Those who are saddled with a credit rating below the mid 600s may have difficulty getting approved for a mortgage. If you're in that situation, your real estate agent or loan officer may suggest applying for an FHA loan rather that a conventional loan. Although FHA loans can be more expensive, the standards for getting approved are more lenient. These government regulated and insured loans also allow for a more affordable down payment of as little as 3.5 percent, as oppose to the "typical" down payment of between 10 and 15 percent.