You’ll find my blog to be a wealth of information, covering everything from local market statistics and home values to community happenings. That’s because I care about the community and want to help you find your place in it. Please reach out if you have any questions at all. I would love to speak with you!
You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders.
But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available.
The downsides of a small down payment are pretty well known. You’ll have to pay Private Mortgage Insurance for years, and the lower your down payment, the more you’ll pay. You’ll alsoView More
Negotiation is a subtle art in real estate, but skilled negotiators can usually find some common ground that satisfies all parties. On the other hand, using the wrong negotiation tactics can sink a deal pretty quickly. Here are some negotiation tactics buyers (and real estate professionals) should avoid:
1 Lowball offers: Going far below market value when you make an offer damages your credibility as a buyer and can be insulting to the seller. The seller has a range in mind that they’ll accept, and if you’re not even approaching the low end of that range, they won’t even consider the offer.View More
If you are a first time homebuyer, navigating all the new information about home ownership, the home buying process, and mortgages can seem overwhelming. If you are beginning the mortgage shopping process, but have no clue as to what information you’ll need and whether or not you’ll even qualify, here is some information that may make the process a little smoother.
There are essentially three things that lenders look at to determine whether or not you qualify for a mortgage.
When purchasing a property, all income of a homebuyer must be validated by a mortgage underwriter in order to receive a loan.
Income verification can be done using several types of documents such as a W-2 statement, paycheck stubs, or income tax statements that show proof of income. These documents usually will have to span a period of two years or more to show you have a history of a steady income.View More
Thanksgiving marks the beginning of the holiday season, a time spent with family and friends. It is also the time of year when we can spend a lot of money, and in these tough times finding ways to save during the holidays is always welcome. Using the natural bounty available at this time of year is a great, inexpensive, and environmentally friendly option for decorating for the holidays. Here are a few creative ideas for your Thanksgiving decorating!
The vegetables that are available during the harvest season are not only great to eat, but are also a beautiful and inexpensive way to decorate your home and table. Arrange some pumpkins or large squash on your front steps or by the door. Also use smaller squash as part of a table centerpiece or as candleholders. Corn is another great vegetable that can be used as a decoration during Thanksgiving. A bunch of corn hung on the door or arranged in a vase can create a stunning look at virtually no cost.
The colors of the autumn season are some of the most beautiful of the year, and collecting leaves to use both in crafts and as part of seasonal decorations is a great and inexpensive idea. Leaves can be a beautiful addition to flower arrangements or can make great arrangements all on their own. They can also be used for festive wreaths for the front door or to make Thanksgiving themed garlands.
As the autumn season turns to winter, natural decorative items such as nuts, berries, and pine branches can be great
choices not only for the Thanksgiving season but can easily transition into the Christmas season. Adding some walnuts to your Thanksgiving table or some berries to a wreath can add a nice touch that will last you through the season. Getting creative with the natural bounty at this time of year is a great way to give your home a beautiful and traditional holiday look without breaking the bank.
Curious about local real estate? Every month I review trends in our real estate market and consider the number of homes on the market in each price tier, the amount of time particular homes have been listed for sale, specific neighborhood trends, the median price, square footage of each home sold, and so much more. I'd love to invite you to do the same!View More
Hiring A Home Inspector
You’ve gone to countless open houses, searched online for months, and have finally found the house of your dreams, but before signing your name on the dotted line there are a few key steps you should not overlook.
When purchasing a home, hiring the right home inspector can be the most important decision you make. Knowing the condition of the house you are going to purchase cannot be left to appearances or promises, and some undetected problems can be even more costly than the price of the house itself. Making sure you have the services of a home inspector who knows what he or she is doing can prevent what should be a great investment from becoming a financial disaster. So what steps can you take to be sure your home inspector is qualified? Here are a few things to consider.
How Long Have They Been In The Business, And What Is Their Professional Background?View More
The Advantages Of Pre-Approval
The decision to purchase a home can be an exciting but sometimes confusing
undertaking. When beginning your search for the perfect home, there are a
number of factors that you will want to consider. Whether you are a first
time buyer or already own a home
and want to move up, getting pre-
approval for your mortgage is a necessary and time saving step. Here are
some of the benefits of getting pre-approved!
Know Your Budget!
Getting pre-approved means that you will have a clear picture of the credit
you have available to you to purchase
your new home, as we
ll as your price
range. This will prevent you from spen
ding time looking at homes that may
be out of your budget and perhaps getting attached to a home that you
cannot afford. It means that if you find
the home that is right for you, it can
more easily become yours!
Getting pre-approved for your mortgage means that you can act more
quickly once you find the home that is right for you. The process of getting
the mortgage approved is generally the longest and most complicated
process in any home purchase. It requires verification of your income and
The decision to purchase a home can be an exciting but sometimes confusing undertaking. When beginning your search for the perfect home, there are a number of factors that you will want to consider. Whether you are a first time buyer or already own a home and want to move up, getting pre-approval for your mortgage is a necessary and time saving step. Here are some of the benefits of getting pre-approved!