Tips for Spring Buying

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Tips for Spring Buying – Warmer weather means the return of more than just the sun and the flowers-it’s also the high season for the real estate market. It’s a great season to buy a home, since the weather is good for moving and for home improvement projects. However, since spring is the busiest time to purchase a new home that means that there is a great deal of competition among prospective home buyers. It’s important to be prepared for purchase before you begin your search for a new home. Below are a few tips to get ready for the buying process. Happy buying!

  • Set your budget. Your first step should be to decide how much you can afford to spend on a new home. Besides your asking price, also take closing costs, montly mortgage payments, a down payment, moving and other expenses into consideration. The Mortgage Bankers Association recommends that buyers spend no more than 2.5 times their income on a home. Total housing payments should not exceed 28 percent of your gross income, and total debt payments should be less than 36 percent.
  • Make a list of must-haves. What does your new home absolutely need to have? What features are negotiable and what are not? Research these now to save time when you’re searching.
  • Find a good real estate agent. A real estate agent can often give you valuable information that may not be available to you otherwise and help you find a home with all of your requirements within your budget. Ask friends and family for recommendations, or check online.
  • Get your mortgage pre-approved. Discuss your options for a mortgage with several lenders and choose the rate and terms that are right for you. This way you’ll be able to act quickly once you find a home that you love.

Keep these tips and mind and when spring hits you’ll be ready to find your new home!

Pros and Cons of FSBO

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Pros and Cons of FSBO – Once you’ve deciding to sell your home, some choose to work with a real estate professional and some choose to sell “For Sale By Owner” or FSBO. Ultimately, you don’t have to sell your home using a real estate professional but there are definitely pros and cons of selling your home FSBO. Here are a few to help you decide the right path for you…

Pros of Selling a Home FSBO:

  • Save Money – You won’t have to pay 2 real estate agents. Instead you will only be in charge of paying the agent of the buyer unless you work with the buyer directly.
  • You Are In Control – You can control how your home is staged, marketed, when you show the home, etc.
  • It’s Your Home – You know the home better than anyone. You can point out the amenities and items in the home like no one else.

Cons of Selling a Home FSBO:

  • No Help – Without an agent, you are in charge of marketing, pricing, showing, staging, negotiating, finding a buyer, doing the paperwork, etc.
  • Pricing – This is a touchy subject. Too high and you lose interest. Too low and you lose money. Real estate pros know the strategy and how to negotiate the best price for you and your home.
  • Less Visibility – This is what real estate pros do. They have a marketing strategy for your home to get you the most exposure and to target the right buyers. Without the right marketing you have less visibility.
  • Contracts – Real estate pros tell you what you need, what it means and handle the leg work for you. When you sell a home FSBO, you can get that info from a title company or an attorney but you will still most likely pay a fee for that information.

There are pros and cons to every situation. It won’t hurt to interview a real estate professional to get your questions answered and to see which route is best for you. It’s important that when you want to hire a real estate agent that it’s the right one. We recommend you interview a few to find the right one for you.

 

How To Sell Your Home in 2015

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How To Sell Your Home in 2015

If you’re thinking about selling your home in 2015, you’re in luck – it’s predicted that the real estate market will make it easier to buy and sell, with more options and buyers than last year. For first time sellers, preparing and putting your home on the market is often an overwhelming and stressful process. It’s difficult to know where to start, what to do and what’s the best way to do it. That’s why we’ve put together this guide with a number of tips for everything from home improvement, selecting a realtor and staging your home.

With this as a starting point, you’ll be sure to have your home sold in no time. Happy selling!

5 Tips to Sell Your Home in 2015:

  • Know who’s looking and how much your home is worth. It’s predicted that 2015 will be a popular year for first-time home buyers. Many Millenials delayed buying when the recession hit, but many are now starting families and looking to purchase their first home. Make sure to prepare your home to attract this demographic, and know how much other homes in your neighborhood are worth.
  • Find a qualified real estate agent to work with you. The right agent can offer valuable knowledge, negotiate with potential buyers in your favor and guide you in the right direction. Ask your friends, neighbors and family for recommendations of real estate agents, or search online at reputable sites such as realtor.com. Attend open houses to see a potential agent in action and get a feel for how they do business.
  • Make your home sale-ready. This often means repairing, remodeling or staging for sale. The first step is to de-personalize the house. You may love the trendy colors, but neutral walls let prospective buyers can imagine the place as their own. Pack away family photos, knick-knacks and other personal items, make minor repairs like cleaning top to bottom and remove all the clutter that’s on your coffee table, kitchen counters and end tables, as well as anything you don’t need from your shelves. Your real estate agent will be able to give you more specific instructions for how to get your home ready for showing.
  • Get a professional home inspection. Most buyers will get a home inspection before signing any papers. Should they find anything serious, the buyer may offer less for your home than you were expecting. Prepare for this by taking care of any minor repairs before putting your home on the market and having your own inspection done. This way you can be aware of any problems and consider them when determining your asking price.

We hope these tips will help you sell your home this year. Leave a comment us below, or contact us if you have any questions!

Ice Dams: What They Are and How to Avoid Them

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Ice Dams: What They Are and How to Avoid Them – Colder temperatures means less lawn care, but the cold and snowy weather can lead to several serious problems for your home. These issues can be troublesome and costly while adding stress to your life. One such problem is ice damming, which if left untreated can damage your roof, gutters, paint, drywall and structure extensively and even lead to mold. In this post, we’ll discuss what ice dams are, how they form and offer several tips to help you avoid them.

What are ice dams?

Ice dams occur when melting snow runs off your roof and refreezes at the edge, causing water to become trapped on your roof and creating a larger ice dam. They form most often after a large snowfall because the snow acts as an insulator. The heat from your home makes your roof warmer than the freezing point and the snow begins to melt, then refreezes in the cold winter air.

How can I prevent ice dams?

The best way to prevent ice dams during the winter is to reduce or get rid of any sources of heat in the attic of your home and ventilate the attic space of the roof. The goal is to make the roof of your house the same temperature as the eaves, so water won’t freeze at the end of your roof. There are several things you can do to properly ventilate the area under your roof and prevent heat from escaping:

  • Cap the attic hatch or whole-house fan with weatherstripped caps made from foil-faced foam board held together with aluminum tape.
  • Make sure all exhaust goes to the outside, preventing heat from warming the roof.
  • Add more insulation on the attic floor.
  • Seal and insulate your ducts.

If you’d like to learn more about how to prevent ice dams, this article from This Old House offers good advice.

Keep these tips in mind and you’ll be able to prevent ice damming, keeping your home in top shape this winter.

Do you have tips for winterizing your home? Leave them in a comment below and we could feature them in a future blog post.

How To: Cut Energy Costs This Winter

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It is about that time of year again! It always seems to creep up on us faster than we would like. The days are getting shorter, colder and sometimes more expensive. However, they don’t have to be as expensive this year. There are a few things you can do this winter to cut your energy costs.

  1. Unplug everything

Don’t leave your electronics on standby or plugged in. You can not only cut your energy bill this winter, but all year round by doing this.

  1. Heat the rooms you use

Close off, or even seal, the vents in the rooms you do not use.

  1. Minimize the use of a few things

Try cutting down on the time you use things everyday such as hairdryers, kettles, and irons.

  1. Get a humidifier

Moist air feels warmer as well as holds heat better.

  1. Bundle up

Instead of increasing the temperature on your thermostat, increase your layers! Wear a sweater and some fuzzy socks while walking around the house. Also add an area rug to insulate the floor in your living room.

  1. Only use exhaust fans when absolutely necessary

Exhaust fans pull the heat out of your home making your heater work harder.

  1. Use your ceiling fans

Switch the fans to move clockwise and set them on a low setting to push the hot air back down.

  1. Use the sun to your advantage

Open the curtains during the day and close them at night to trap that free heat inside your home

  1. Lower the temperature on your water heater

For every 10-degree reduction you save 3-5 percent in energy costs.

  1. Keep your furnace clean

Change your furnace filter clean and free of blockages. Check it every month!

These few tips seem obvious, however, most people just never get around to doing them once the winter months arrive. Make sure to utilize these few tips so that you won’t regret it when the bills roll in. Read more about cutting your energy cost here. Have fun and stay warm!

6 Ways to Prepare Your Home For The Cold Weather

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6 Ways to Prepare Your Home For The Cold Weather – We just experienced our round of snow for the year and many homeowners are preparing for the cold weather. Preparing your home for the change in season can be very helpful to you in the long run, and even keep your home looking and feeling like new. Here are six ways to prepare your home for the cold weather this year.

Use Plastic on Your Windows

Covering your windows with plastic might sound crazy to some, but it will help to cut down on your energy bill this season. Some homes are draftier than others, but keeping the warm air in and the cold air out will always be helpful.

Clean The Gutters

Whether you’re home is near trees or not, be sure to clean out your gutters before the weather becomes too cold to do so. Natural things accumulate in your gutters throughout the year, so cleaning them before snow starts falling can help to prevent ice dams and other potential damage.

Boost Lighting

Winter tends to be a dark and dreary time, so boost the lighting in your home for days like that. It will keep you more energized and ready for each day.

Reverse Your Ceiling Fan

Reversing your ceiling fan will help it do the opposite of what it does in the summer times, it will help to keep the warm air circulating throughout the room. This works particularly well in rooms with very high ceilings, but has the same effect all over.

Inventory Your Supplies

Nothing is worse than not having a snow shovel or a brush for your car when you’re trying to get out of the driveway. Make sure you have the things you need before the weather becomes bad and it’s too late.

Prepare For A Storm

The weather is a unpredictable thing, so make sure you are prepared for any scenario. If there is a winter storm and the power goes out, how will you keep warm or prepare food? Being prepared for a situation like that will keep you more calm in the long run.

To learn more about how to prepare your home for the cold weather, visit here.

Holiday Decorating Trends 2014

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Holiday Decorating Trends 2014 – Holiday décor trends change from year to year. Each year your holiday decorations can provide an exciting change to your home décor. Thanksgiving and Christmas can be the most exciting holidays to decorate for! Decorating for Thanksgiving and Christmas can bring an element of serenity and tranquility that only come during this time of year.

Below we have provided you with some exciting holiday decorating ideas…

Textures: Holiday trends for 2014 involve lots of different textures. Through DIY projects and premade decorates, textures create a visual interest in the room. For holidays this year, you can apply texture by using things like faux fur, burlap and wood for your homemade decorations.

Vintage: Vintage decorates are the new hit look this year! Vintage has repeated itself in 2014. Take your old decorates and re-purpose them into contemporary decorations for the holidays. You can take your old and make them new for decorating themes for 2014.

Tranquil: Any pastel colors, light green, pale blue or soft red are a trendy and modern way to add tranquility to your home during the holidays. Less is the best way to make your home have a serene and tranquil feel.

Shimmer and Shine: Two of the most common holiday trends you see in homes are shining and shimmery decorations. This is including, lots of gold and silver in your décor. It’s okay to keep the traditional gold and silver decorations. Just think BIG this year, buy oversized gold bows, ribbons and ornaments for the tree.

What is your favorite holiday decorates? Let me us know!

4 Ways to Hide Speakers Throughout Your Home

4 Ways to Hide Speakers Throughout Your Home

4 Ways to Hide Speakers Throughout Your Home

 

Instead of using one large speaker, you can use small ones throughout your house to achieve the same experience! Walking into a room and not even knowing where the noise is coming from might even increase that experience for the better. It might seem tricky if the space is small, however, there are a few fast and easy ways to hide these smaller speakers. If you do not have the money to buy new speakers, you can always use the things around your house or even transform them into something that could work better!

  • Hang them on the wall to look like a light
    1. Triad Speakers:
      1. Look like wall sconces but are actually speakers
      2. Ear level and perfect for surround sound
  • Find more information here
  • Hide them in the ceiling fan
    1. Soundolier Speakers:
      1. Nobody will guess the sound is coming from the ceiling fan
      2. With the fan in the middle of the room everyone will hear it
  • Find more information here
  • Practically invisible speakers
    1. TruAdio’s Ghost Speaker:
      1. As small as 4.5 inches
      2. Hides the frame of the speaker and makes it look smooth
  • Find more information here
  • Use your own furniture
    1. Cabinets with transparent faces make great spaces for hiding speakers
    2. Use furniture to hide wires behind
    3. Blend speakers in with things like picture frames

 

Nobody has to know where the sound is coming from, as long as it is there! If you do not have the money to afford new hidden speakers, just use the furniture around your house to disguise your old ones.

 

 

5 Ways to Make a Small Living Room Look Bigger

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No one wants a cluttered home or to feel like they have a small living space, right? Especially if you are house hunting, you want more space for your money. If you have a small room in your home or want to make your rooms appear bigger than they are, here are 5 tips for you…

 

Floor To Ceiling Curtains

To make the ceilings appear to be taller, hang your curtains higher than the windows. By putting rod higher than the window itself, you give the illusion that the windows and ceiling are bigger and higher than they really are.

 

No Bulky Furniture

When furniture is too big for the space or there is too much furniture in the room, the room can appear smaller than it really is. Declutter and stick with appropriately sized furniture to keep the room spacious, light and bright.

 

Neutral and Light Colors

With a smaller room, it’s important to stick with light, neutral colors. If you put dark colors and accents in a small room it can close the space making it appear smaller that it really is. Let the light in and the space open up with the right color sceme.

 

Oversized Mirrors

A newer trend, this trick can make the room appear bigger than it really is by using the reflection of the light, neutral colors and the room itself. Strategically place the mirror on a wall that reflects the incoming light and also provides the proper illusion.

 

The Right Coffee Table

Whether it’s a coffee or end table, choose furniture that can also double as a storage space. Whether it has drawers or opens up to store extra pillows, blankets or even your TV accessories, choose your furniture wisely. In a small space this can dramatically declutter a room.

 

6 Tips To Budget For Your First Home

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6 Tips To Budget For Your First Home – There is a lot to consider when buying your first home. Don’t just save for the down payment, consider other hidden costs. Don’t forget about the home inspection, repairs, closing costs and even moving expenses. Follow these next few tips when buying your next home.

1. Home Inspections – Home inspections are highly encouraged in order to make sure that there are not any major issues with the home you are buying.You never want to buy a home without an inspection. Inspections can cost $300 and upward depending on the type of inspection you get. Remember, the more thorough the better.

2. Closing Costs – According to bank rates annual survey, the average closing cost for a $200,000 home is about $3,754. Talk with a lender to get a general idea of what those costs will be. Closing costs usually cover lender fees, title fees, appraisal, and more.

3. Try Auto-Saving – Did you know that most banks can set up automatic transfers to your savings account from your checking account each month? You can also request that a certain percentage of each paycheck be deposited into your savings account. These are both effective strategies when saving for a big purchase and will add up before you know it!

4. Down Payment – Talk to your lender to get a general idea of what your down payment for your next home will be, as well as your loan options. The percentage of a down payment can vary greatly from buyer to buyer, but it is generally more cost effective to put down a higher rate. A larger down payment can save you on interest in the end depending on the home you choose, the loan you choose, and the money you have saved up. Talk to your lender about your options so you can plan.

5. Moving Expenses – Moving expenses are usually overlooked and end up costing more than anticipated. Planning ahead can help you avoid extra costs. Ask friends and family for help or do research on the most cost effective options in your area.

6. Decorating Expenses – Buying a new home is a very exciting process, especially once you are moved in and ready to decorate. Plan a budget for decorating costs as they can add up quickly as excitement increases.  Furniture and large items can be purchased on credit to avoid up-front costs, as long as you plan on making regular payments. Always plan ahead and do your research but don’t forget to have fun!

Keep these tips in mind as you think about your next home purchase. It is essential to have a set budget and to plan ahead. Let us know in the comment section how these tips have helped you or if you have any tips of your own!