You’ll find our blog to be a wealth of information, covering everything from local market statistics and home values to community happenings. That’s because we care about the community and want to help you find your place in it. Please reach out if you have any questions at all. We’d love to talk with you!
Are you a "the limit does not exist" or a "one and done" kind of pumpkin person?
Leave me a comment and let me know,
And if you don't have a porch of your own to decorate, maybe it's time to change that?
Maybe it's time to give me a call! #thehelpfulagent #home
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Finding a home you love is a challenge on its own,
but factor in the ongoing shortage of homes for sale, and you're looking at a near-impossible task.
So why not stack the deck in your favor?
Why not give me a call? #thehelpfulagent #home #houseexpert #house #listreports
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There are plenty of things to do before putting your home on the market.
While this one is optional it’s especially good to consider if you’ve lived in your home for
a long time or you have an older home.
It can cost between $200 to $600.
If you’re on the fence, send me a message so I can add my expertise to the issue.
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Mortgage rates continue to trend down. Which means it’s still a great time to buy a home.
With just a few months left, why not end 2021 by becoming a homeowner?
Leave me a comment and let’s get started!
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Buying a home doesn’t have to cost an ARM and a leg upfront. When it comes to financing your property purchase, there are many types of mortgages available, one of which comes with particularly low initial payments.
Today I’ll be covering the topic of adjustable rate mortgages (ARMs), as well as their advantages and potential pitfalls.
Adjustable rate mortgages, sometimes referred to as variable-rate mortgages or tracker mortgages, differ a bit from your standard home loan. The main (& most important) difference- their adjustable interest rate.
This means that over the duration of paying off your mortgage, it’s likely that the interest rate will periodically fluctuate. This will affect the amount of your monthly payments and will depend on the index (a benchmark that reflects the general condition of the market) and a margin (a percentage determined by the lender and agreed on during the application process).
You may be wondering why you’d want to take the gamble with an adjustable rate mortgage, but there are some advantages to the borrower.
While there are some advantages to taking out an adjustable rate mortgage over a loan with a fixed rate, there are also some things to keep in mind.
Before signing the dotted line, here are some things to consider:
Looking to learn more about the ins and outs of ARMs? Contact me today to get in touch with a trusted lender.
So, you want to buy a home. That’s great! But are you ready? It might be news to some, but a real estate agent’s job is more than helping you sign a contract on a new home. They are also a great resource to talk to if you are not sure if buying a home is the right next step in your life.
Below are three questions real estate agents can help you answer today so you can start looking for a home tomorrow.
Loaded question, I know. But it’s one we all must ask when taking on something as big as buying a home. A 5 year forecast of your life will determine what is best for you, your time, and your wallet.
If you are not sure, a good real estate agent can help guide you through a set of questions that will help determine if what you want now will be what you want 5 years from now.
Evaluating your job security and the neighborhood you want to be a part of is a great place to start. A real estate agent can help you window shop different areas around your neighborhood to see what is the best for you and your future family (if this is a part of the 5 year plan).
Start with the basics. What do you absolutely NEED in your future home? Write down the number of bedrooms and bathrooms you’ll need to accommodate everyone. Once you’ve brainstormed your “need list” share this with your real estate agent. They will also help you fill this list by asking questions like: Does the home need to be handicap accessible? Additionally, think about the neighborhood. A good realtor will talk you through different ways in which a neighborhood should meet your needs. Can you see yourself living in this neighborhood for the foreseeable future? Things like quality of schools, parks (and neighbors) should be on the top of your “need” list and something a real estate agent will discuss in an initial meeting with her/him.
Knowing what you DON’T want will help your real estate agent, as well. For example, if you know you don’t want your washer and dryer in the garage, take note! Wall-to-wall carpeting makes you cringe? Put it on the DON’T WANT list and let your real estate agent know!
When was the last time you checked your credit score? While there are ways to get your credit score for free online, there are many factors that go into a pre-qualification for a home, and only a lender can provide these answers.
For instance, if you have a low credit score of 580 or below, you will have access to loans like the FHA loan but will have a higher percentage on the down payment of your home. On the other hand, if you have a good credit score, like 680 and above, you will get approved for higher limits. In this sense, how much you can borrow from the bank will increase if you have a more reliable score. Additionally, the percentage on the down payment of the home will lower.
The good news is if the above information overwhelmed you, it is a real estate agent’s job to help explain the details and point you in the direction of other professionals who can determine if you are financially ready for the commitment of buying a home.
There you have it! 3 critical questions a good real estate agent can help you answer before buying a home. If you are ready to consult a real estate agent today to help answer the above questions, I’m ready to help!