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Five Tips for Cleaning Your Home Before an Open House
Posted on Mon, 20 Nov 2017, 03:50:00 PM  in Home buying tips
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Five Tips for Cleaning Your Home Before an Open House

 

Open houses are a great way to show off your home to prospective buyers. When you work with an agency to list your home, a real estate professional will pick the dates and times for your showings and arrange for buyers to come through with their own agents. This gives them a chance to look around, see if your home offers all the space they need and get a general idea about whether they want to put in an offer. Instead of focusing only on staging your home, you also need to do some cleaning too.

 

Do One Room at a Time

Five Tips for Cleaning Your Home Before an Open HouseIf you're like most people, you probably only do an extensive cleaning of your home once a year, which is around the holidays. Trying to clean every room and every surface can feel overwhelming, which is why it's best to start with one room. Focus on cleaning one room at a time and making sure that each room looks its best before moving to the next. You should also set a rule that anything someone brings into that room after you finish must go back out to keep clutter from building up.

 

Use a Black Light

Using a black light is the best way to get a look at any organic matter in your home. Organic matter includes the urine and feces stains left behind by your pets and any organic materials released by your kids. All those materials can leave behind large stains and odors that you cannot see. Turn off the lights in the room before using the black light. It actually picks up small materials that are invisible to the naked eye and helps you see which areas need serious cleaning.

 

Remove Odors

Nose blindness occurs when you live around the same odors day in and day out. Your nose grows accustomed to those odors, which means that you no longer notice the smells. While a black light can reveal any areas where your pets have accidents or use the bathroom inside the house, you'll want to use other products to neutralize those odors. A simple bowl of baking soda or activated charcoal can help. Some cleaning products with both clean and sanitize floors and other surfaces while also removing odors too. Using a room deodorizer in each room will remove heavier odors also.

 

Choose the Right Tools

Do not start cleaning your home unless you're sure that you have all the right tools at your disposal. A steam cleaner, which you can rent from almost any home improvement store, is one of the best tools for cleaning both furniture and carpeted floors. Make sure that you use cleaning products designed for specific types of surfaces too. Cleaning marble, granite or another type of natural stone with the wrong product can leave behind scratch marks. You can start with a sweep of the ceiling and work your way down from the top of each wall to the floor when cleaning.

 

Reduce Clutter

No matter how much cleaning you do, your home still won't look or smell its best unless you also reduce clutter. Clutter can include the books and toys that your kids leave around the house, the magazines you left piled up on the coffee table and even mail left sitting by the front door. Try to remove at least one piece of clutter every day. Now is the perfect time to make donations to local charities and to throw away broken or damaged items. Doing all these things will make your house look great as prospective buyers walk through.


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Expert Tips to Find the Right Real Estate Sales Representative
Posted on Wed, 15 Nov 2017, 03:45:00 PM  in Home buying tips,  Home selling tips, etc.
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Expert Tips to Find the Right Real Estate Sales Representative

Whether you are a seasoned veteran or a newbie on your first real estate transaction, finding the right sales representative is critical to your success. But with the increasing number of sales representatives, it can be difficult to choose the right fit for your project.

Here are a few concepts to help you find the right sales representative.

 

Talk to Recent Clients

Expert Tips to Find the Right Real Estate Sales RepresentativeAsking sales representatives to provide you with a list of listings they have sold over the past year with references is an excellent way to begin. And before you start contacting the people the sales representative has worked with, inquire if any of them will be particularly pleased or disappointed. When you get in touch with the references, ask what the asking price was, and finally what the selling price was. And if you are selling a property, ask if the previous ones were similar to yours in location, price, and other unique features. The reason is you need someone who specializes in the kind of property you are selling.

 

Find a Pro

Most people use the terms REALTORŪ, broker, or sales representative interchangeably. However, not all sales representatives are REALTORSŪ or brokers. The term REALTORŪ is used to refer to a real estate expert who is part of the National Association of REALTORSŪ and conforms to its strict code of conduct, which sometimes goes beyond the state law.

 

Look for Experience

Although experience doesn’t necessarily equate to success, the real estate business is based on commissions, and it would be nearly impossible for the sales representative to survive for a long period while offering horrible service. The REALTORŪ who has encountered many situations is unlikely to be shaken in case they are accosted by any problematic situations.

 

Look Up the Licensing

All states have boards that provide licenses and discipline sales representatives. So find out from your state’s regulatory body if your prospective sales representative has a license and if there have been any complaints or disciplinary actions. This information is usually posted online.

 

Think Locally

Both sellers and buyers need to find a REALTORŪ who is accustomed to the area. So find out what they have listed or sold within the neighborhood in the past few months. If you are buying, your REALTORŪ or sales representative should give you information on the community, taxes, schools, amenities, and other facts. And if you are selling, the REALTORŪ should also be in a position to talk to potential buyers about these details.

 

Find a Team-Player

Working with a team offers lots of benefits. However, you should specify the relationship you will have with the team from the beginning. Team members have a broader range of experience, and you will find someone who has a thorough knowledge of particular situations than the others. But, it should be made clear by the team if you are going to work with one of its members during the transaction, or if you are going to be meeting with different individuals at different times. It can be uncomfortable when you think you will be working with one REALTORŪ, only to find out that you will be passed around to various individuals during the transaction.

 

Agree on the Expectations

If you are selling a property, ask the REALTORŪ to write down a marketing plan that indicates the steps they will take to sell it. The REALTORŪ should also offer advice on how you should prepare the property for the market, and even inform you about the person who is eager for the property. And if you are buying, ensure you know how often the REALTORŪ will provide you with listings, and how many properties you should expect to view each week.

Your success in a real estate venture will largely depend on the REALTORŪ you are working with, and this is the reason you need to choose the best. Thus, talk to recent clients for their opinion; find a pro with experience; think locally, and after you have found the most reliable REALTORŪ, agree on the expectations.


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Common Mistakes Homeowners Make When Selling Their Home
Posted on Fri, 10 Nov 2017, 03:40:00 PM  in Home selling tips
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Common Mistakes Homeowners Make When Selling Their Home

 

When you're ready to relocate and list your home on the market, there are many steps to take to find the right buyer. Although most people have sold a home in the past, it can be easy to make the wrong choices during the process due to a lack of experience. If you're ready to list your property, there are a few common mistake to avoid making.

 

Leaving All of Your Stuff Inside

Common Mistakes Homeowners Make When Selling Their HomeAlthough you may like the decor and personal belongings that are on display in your home, it doesn't mean that potential buyers will find the items attractive. Failing to remove half of your personal belongings and store it in a unit off of the property can cause the interior setting to look cluttered. Too many personalized items can also make it difficult for potential buyers to envision themselves living in the house.

Remove monogrammed pillows, family photos, and religious decor to prevent the items from turning off those who are touring the property. The excess clutter will also make the home feel smaller and more cramped.

 

Pricing it Incorrectly

The price of your home is one of the most important features of your listing and will determine the number of places that the ad appears when buyers perform online searches. Pricing it incorrectly can also turn off buyers who may not think they can afford the home.

Work with a local REALTORŪ who is familiar with the average selling price of homes in the neighborhood and can guide you in the right direction. Hiring a professional appraiser will also allow you to have an idea of what the house is really worth. You can still increase the price by a few thousand dollars to leave enough room for negotiating.

 

Failing to Clean Up the Home

A general cleaning of your house won't suffice when you're getting ready to show it off to potential buyers. You'll need to deep clean the property to make it shine and allow it to look maintained. Consider hiring professionals to clean the chimney or wipe down the baseboards. You'll also want to dust off the blades on ceiling fans and have the carpets professionally cleaned to remove dirt and spots that have formed.

Powerwashing the exterior driveway and sidewalk will also remove grime or oil stains that are present. The vinyl on the side of the house can also be washed off, which will make the home appear newer.

 

Showing Up at Open Houses

Many buyers will feel awkward if you're present at open houses when they're interested in touring the property. Although you may want a hands-on approach when selling the home, you'll turn away buyers who may feel like they're intruding and can't be completely honest about what they think of the house. Allow your REALTORŪ to represent you and handle each interaction to ensure that you sell the home quickly.

 

Selling the House on Your Own

It can be easy to want to make more of a profit on your house, but failing to hire a professional to assist you with the process can lead to many mistakes. The right REALTORŪ will provide you with support and can also handle the negotiation process to avoid turning off the buyer. They'll also help you with all of the paperwork and can explain specific terms to ensure that you avoid confusion. Hire someone who has several years of experience in the industry and works locally to ensure that they're familiar with the area.


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Are You An Adult That Is Experiencing A Move For The First Time?
Posted on Tue, 31 Oct 2017, 01:50:00 PM  in Home buying tips,  Home selling tips, etc.
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Are You An Adult That Is Experiencing A Move For The First Time?

There are plenty of skewed statistics floating around the internet that suggest that there is probably something wrong with you if you have only ever lived in the same Canadian home your entire life. This is probably fueled by the recent thought that all young adults (meaning anyone under 30 years of age) should be independent enough to support living on their own away from their parents and family members. Realistically, 2017 is a hard time for that. The United States is seeing a trend in the number of young people that live in their childhood homes well into adulthood, and Canada is starting to see the same exact trend. There is nothing to be ashamed of and nothing to hide. In fact, you’re not alone. Here are a few top reasons why adults are waiting to move out and buy their first homes:

 

 

Family Ties Are Getting Stronger And Stronger

Are You An Adult That Is Experiencing A Move For The First Time?The number of broken homes in Canada is unfortunately growing. There are plenty of children that grow up not knowing or connecting with one or more of their parents or guardians. Instead, they may be raised by single parents, single guardians, or step parents. The uplifting side effect of this trend is that children tend to appreciate, love, and want to stay with the people that do care enough to stay in their lives and open their homes to them. You should never feel guilty about the move that is coming up, but if you have stayed so long because you have a supportive home to live in, consider yourself lucky. Not everyone has this type of privilege.

 

 

Secondary Education Is A Financial Drain

Secondary education, particularly if you have received a secondary education outside of Canada can run you into quite a bit of money. If you are fortunate enough to have some or all of your tuition paid for, than you are still looking at the cost of travel, of food, and of any other expenses that you must take on to complete your education. Secondary institutions are making it harder and harder to hold a part time or full time job while you are taking classes further adding to the financial problem that you are undergoing. So if you are just now able to move after taking secondary courses, do not feel ashamed. Unless you are rich and come from a rich family, there are many more of you than you may even realize.

 

 

The Process Seems Confusing

Doing anything for the first time is hard. Driving is hard. School is hard. First relationships and friendships are hard. Why wouldn’t moving out of what could have been your only home up to this point not be hard? Ask those around you that have moved out and purchased a home. They’ll tell you about the sales representative you should be looking for, the money you need to have settled, and more about the details of the process that is confusing you. It won’t always be hard.

 

 

Take Home Advice That You Aren’t Going To Want To Miss

If you are moving out for the first time as an adult, you should try to ensure this experience to its fullest. You are becoming the independent, money-making, free-thinking, and responsible person that you have likely always wanted to be. Never feel ashamed for being responsible with your money, loving your family, or getting the education that puts you where you are today. Try and uplift yourself and anyone else that you find in a similar situation. You know how hard it is.


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A Short Guide to Your Mortgage Options
Posted on Fri, 20 Oct 2017, 01:45:00 PM  in Home buying tips
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A Short Guide to Your Mortgage Options

Homeownership is the dream of many Canadians. Owning your own home signals to the world that you have arrived. A home is concrete proof of the Canadian Dream and is often times a good investment as well. However buying a home is not like popping down to the corner store for some groceries. Unless you are fabulously wealthy you will likely have to obtain a mortgage in order to purchase your home. In this guide, we will examine mortgage options for the Canadian homebuyer.

 

Banks

A Short Guide to Your Mortgage OptionsThe vast majority of mortgages in Canada are obtained through banks. While some mortgage brokers identify as banks for the purposes of this article we will separate the two. Banks are often the first stop for consumers looking for a loan. They tend to fit the "average" customer best- basically someone with decent credit, a long job history and very little complications in the home purchase process.

Canadians who happen to have special needs when it comes to the loan will not be as well served by a bank. Furthermore, those with large cash down payments or other nontypical borrowing patterns might not do as well with a bank. The one area where banks shine is their mortgage rates- good banks will typically be at or around the lowest rate for your credit score model. If you have the option and your loan is not super complicated a bank is a great place to start.

 

Mortgage Brokers

These entities are similar in many ways to banks but their service is more personalized. Mortgage brokers also have large pools of money to lend but they are primarily engaged in mortgage lending. While a bank may have many other side businesses and investments mortgage brokers tend to stay in the mortgage market. This means they can often negotiate loans that traditional banks would never touch.

Mortgage brokers also make a great deal of money from a home loan over the long term so they can often lend money at rates that others cannot get close to. If you are a non-traditional buyer- someone with an iffy credit history or a large down payment, or a similar situation you should consider a mortgage broker- especially if you are turned down by a large bank.

 

Government/Military Loans

While many loans you can get through banks or mortgage brokers are backed up by the Canada Mortgage and Housing Corp sometimes you can borrow directly from the government. People in special service related industries like firefighters or police officers have mortgage help in certain provinces. Former members of the Canadian Armed Services also have a number of different loan programs available to them.

Government loans have many special income and credit checks but they are the best option if you qualify. The best benefits these loans tend to offer are reduced credit burdens as well as lower rates. Many of the government-backed loan programs were designed to help low-income Canadians become homeowners. There are also many special programs local to your province so check specifically.

 

A mortgage is the largest purchase the average Canadian will make in their lifetime- it is incredibly important to do your due diligence because this is a decision that will affect your financial well-being into your retirement years. Always remember to shop around for the best rate and to read the fine print before you sign any kind of long term loan contract. If you follow the aformentioned steps you will be well on your way to getting a fantastic mortgage and the home of your dreams anywhere you decide to live in the Great White North.


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7 Tips for Buying Rental Property
Posted on Sun, 15 Oct 2017, 01:40:00 PM  in Home buying tips
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7 Tips for Buying Rental Property

Buying rental property is a very attractive way to make money. Real estate investment has produced wealth for many people, but it is essential to be well versed with the industry before jumping in with your hard earned dollars.

 

Let’s discuss seven tips to consider making sure rental property ownership is for you.

 

  1. Make sure Rental Property Ownership is for you

7 Tips for Buying Rental PropertyOwning rental property is like having a part time job. You will have to be a jack of all trades and be ready to fix problems at a moment’s notice. You can always have someone on call to do the work, but that will just cut into your profit margin. It is important you know your way around a tool box and have a quick learning curve when attempting to fix problems you have never attempted before. Tenants are not always going to want to wait an extra day for you to fix problems when they arise. It is important to determine if you have the time to own property.

 

  1. Pay down your Debt First

If you have any debt such as student loans, automobile loans, medical bills or credit cards, it is wise to pay down those debts before venturing into the rental property mortgage zone. Some people carry a certain amount of debt as part of their financial portfolio, but debt is not always a good thing and it is better in the long run to eliminate as much as possible.

 

  1. Have your Down Payment in Hand

Purchasing rental property sometimes requires a higher down payment than for an individual owner occupied primary residential home. The down payment could be as high as 20 to 30 percent. It is important to check if mortgage insurance is available when purchasing rental property. You may be surprised such insurance is not readily available.

 

  1. Higher Interest Rates for Rental Property

It is important to be aware that mortgage rates for rental property are usually higher than for an owner occupied property. Interest rates might be low for an owner occupied resident, but the interest rate will a bit higher for rental property. Keep this in mind when determining mortgage payments. You want a payment that is low enough so it does not eat into the monthly profit.

 

5.Calculating Margins

It is wise to establish a monthly profit margin for your rental property. Take into account yearly maintenance, which should be based on the value of the property. Other costs to consider include taxes, Home Owners Association Fees (HOA) if the property is located in such a neighborhood, monthly expenses such as snow removal, landscaping and pest control and insurance.

 

  1. Stay Away from the Fixer Uppers

Unless you are into flipping properties, it is sometimes best to stay away from properties that need a lot of renovation. While it may be tempting to grab a bargain, it may not be such a good idea, especially if it is your first property. Unless you have access to a majorly economical contractor or you are able to perform such work on a large scale, renovation may take up an extraordinary cost. As a first effort, it is wise to purchase property that needs minimal work.

 

  1. Location, Location, Location

Choosing the right location is especially important when finding rental property. A decent school system, low crime rate and amenities such as malls, restaurants, shopping and parks make a nice neighborhood for families or ind8ividuals. A neighborhood with a high percentage of occupied properties is also a sign of a good neighborhood. An area that is experiencing infrastructure upgrades, as well as new development is often classified as an up and coming neighborhood and is considered favorable neighborhoods.


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5 Tips To Make Selling Your Home Not Only Easy But Also Fun
Posted on Tue, 10 Oct 2017, 01:00:00 PM  in Home selling tips
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5 Tips To Make Selling Your Home Not Only Easy But Also Fun

Selling your home can be a daunting task to many people especially because for most it is their first time selling their home. This is because when home buyers buy their first home they tend to live in that home for more than a few years before deciding to sell it and get a bigger home. Here are 5 tips to make selling your home not only easy but also fun.

 

  1. Landscape

5 Tips To Make Selling Your Home Not Only Easy But Also FunThe first thing that a potential home buyer will notice about your home is the exterior of it and the way your yard looks. The first thing you want to do before selling your house is make sure you spend a great deal of time on making the landscaping around the house look nice. Ways to do this would be by cutting the grass the perfect height, planting a few plants, and maybe painting the exterior of your house with a fresh coat of paint if it looks like it needs one. Landscaping does not have to be expensive because all you really have to do is trim a couple bushes, mow your lawn, and make it all look presentable for potential home buyers.

 

  1. Clutter

The biggest reason why people move out of their homes is because their house is no longer big enough to fit their needs or to hold their growing family. This often leads to a very cluttered house before home owners decide to sell their home. Make sure to remove any clutter you have out of your old home and prepare it for going to your new home because it will not only make moving easier but it will make selling your old home easier. When potential buyers walk into a house they are much more likely to put an offer in if it is not cluttered than they are if it is cluttered.

 

  1. Fresh Paint

Earlier it was mentioned that well doing landscape you should paint the exterior of your home with a fresh coat of paint even if it is the same color as before because it will give your old home a clean look to the people who are considering buying your old home. This technique also goes for the interior of your home. If you have chipped paint, holes in any walls, or the walls are sun faded you should consider painting the interior of your home also to make it more appealing to the eye of a home buyer. The goal is to make your old home look as good as you possibly can so that other people can imagine themselves living in it.

  1. Signage

It is possible that in today’s world when it comes to selling your home you may forget even the littlest of details. It is extremely common now for sellers to forget to put a for sale sign In their yard due to having their home listed all over the internet but the truth is there are still people who go to look for a house by just simply driving around if you don’t have a for sale sign in your yard there is no way for them to know that your house if for sale.

 

  1. Photos

The most common mistake that sellers make when selling their home is that they don’t take exceptional photos of their home to post along with the ad that they are selling their home. Home buyers often won’t even consider a home if there are no pictures of it listed and they are more likely to come look at your home if your pictures are professional looking rather than like a toddler took them.


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Do You Need To Downsize Or Do You Need To Strategize?
Posted on Sat, 30 Sep 2017, 10:45:00 AM  in Home selling tips
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Are you reaching the point in your life where something has changed and you no longer know how to handle the Canadian home that you are in? Maybe you ran into a rough spot financially having lost a job. Maybe all of your children have moved out and your gigantic home just feels too big and lonely for you to continue living there? Selling your home in favor of a smaller home may be the option you’d best like to investigate, but maybe not.

 

Try and answer these questions to help you figure out whether you need to downsize or strategize:

 

Do You Need To Keep Your Current Canadian Home?

The first question that you need to ask yourself is whether or not you really want to keep the home that you are living in. Is there a sentimental reason that you strategizewouldn’t feel comfortable leaving your current home? Do you have memories in this home that you aren’t ready to let go of? Was this the first home that you have ever purchased and you really do not want to leave it? You have to ask yourself if you can emotionally leave the home before you continue on your journey. If you answered “no” to the questions above, then it may be worth your while to investigate a home that would downsize your space, your financial responsibility, and your stress.

 

Are Your Finances Going To Be The Deciding Factor?

Not every person in Canada decides to downsize their home because they can no longer afford the larger home that they are living in. These individuals may or may not have an issue with their finances at all. Maybe you are in this situation. By making the decision to downsize you are effectively taking the power away from money and putting it into your own hands.

Maybe lack of money is forcing you out of your home. Unfortunately, there is little you can do about this unless you have money saved up in the bank or an endless supply of financial aid funneling in from family members. If lack of money is forcing you to move, then simply make the most of a difficult situation. There will be smaller homes out there that have the ability to make you just as happy as your larger home.

 

Do You Simply Feel Like You Have Too Much Space To Handle In Your Current Home?

It is perfectly okay to want to live a more simplistic lifestyle with a smaller carbon footprint. If you really do not need the extra space and do not want the extra space, then consider downsizing to a smaller home that would better meet your lifestyle desires. There will be a family that appreciates your larger home.

 

Do You Have An Option At All?

You may not have an option at all. The bank could be closing in on your home for one reason or another. That would force you to look for a new home regardless of whether or not you actually wanted to stay. If you are emotionally drawn to one option over the other but do not have the freedom to choose, then you must figure out how you are going to cope with the decision that has already been made for you. Life will go on if you let it.

 

Have You Consulted A Sales Representative With Your Thoughts And Concerns?

If you have made the decision to sell your home and buy a smaller one, make sure to consult a sales representative with your concerns. These individuals will be equipped to help you feel comfortable and secure about the decision that you have made.

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Do Not Forget To Ask These Questions before You Buy Your Next House
Posted on Wed, 20 Sep 2017, 10:40:00 AM  in Home buying tips
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Buying a house in Canada can be one of the most rewarding and delightful experience that you may ever have. It will involve a lot of work, communicating with many people, and may even cost a little more or less than you expected that it would. However, you are the brand new owner of a Canadian dream home at the end of the day.

 

If you are new to the idea or process of buying a home in Canada, or are in the middle of the process and looking for great questions to ask your sales representative before you officially buy, consider asking the following questions.

 

Can I See What Your Credentials Are?dont forget these steps

Sales representatives specialize in buying and selling homes to people just like you in Canada. You should have no problem finding a sales representative that not only makes you feel comfortable, but that has valid licensing that is in good standing. If you feel more comfortable, you may even ask them where they obtained their licensing and what real world experience they have that would help them to help you buy the Canadian home of your dreams.

 

Will You Be Communicating With Me Often?

If you are buying a home, the chance of you being nervous and excited about every minor detail is pretty high. If there are changes in the status of the home that you are trying to buy, you should know that information as soon as it has been made available. Your sales representative should be pretty open to communicating with you as often or as little as you request for them to do. If they are not willing to communicate with you often and you would really like them to, then move on and find a sales representative that is willing to meet your needs more closely.

 

What Does The Timeline For This Sale Look Like?

There is no way to tell how quickly or slowly the timeline for a home will move unless you ask. Homes and their details are just as unique as you and your family members are from each other. Some sellers will be extraordinarily motivated for a quick sale because they need the money to purchase their next home. Other homeowners would like to live in their home while the sale process is happening and will require some time to pack up and move out once the home has officially sold. Regardless, your sales representative should have the information that you need on the timeline of the home you are trying to buy.

 

Do You Have Any Information That I Should Be Aware Of?

There will definitely be times where you may not know exactly what to ask or what you should be aware of. That is perfectly okay because you are not the professional that has been trained to know what kinds of questions to ask and answers to give. By asking this question you are giving your sales representative the opportunity to fill you in on anything that you should know before buying the home.

 

Take Home Advice

There are literally thousands of wonderful questions that you could pull together to ask your sales representative. At the end of the day, the most important thing is that you have found a sales representative that you feel comfortable with, a home that you are dying to live in, and that you have the most important questions to you answered in a way that makes complete sense to you.


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Common Mistakes Home Buyers Make
Posted on Wed, 20 Sep 2017, 10:35:00 AM  in Home buying tips
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For many people, it can be exciting to begin shopping for a new home and preparing to relocate. There are many steps involved in purchasing a home, which makes it easy for many mistakes to be made. If you want a smooth and successful process, there are a few common mistakes to avoid as a buyer.

 

Failing to Look at the Neighborhood

Although you may fall in love with the square footage or style of a house that you find, it can be easy to have tunnel vision and avoid looking at the rest of the neighborhood. It's important to feel comfortable in the area to ensure that you enjoy the property long-term. Check out the neighboring properties to evaluate if they're in good condition and have been maintained well. You can also visit the neighborhood at different times of the day to get an idea of the noise level in the local area.

 

Trash-Talking When Negotiatingcommon mistakes by buyers

It's important to have a real estate agent assist you with negotiating the price of a home that you make an offer on, which will allow you to have a middle man. Buyers often make the mistake of trash-talking the house to convince the seller to accept a lower offer. Unfortunately, speaking negatively about the property will turn off the seller and can make you lose out on the home. It's important to remain respectful and phrase your words appropriately.

 

Not Paying Down Debt

Your debt-to-income ratio will influence your interest rate on the home loan and can make it challenging to get approved. The debt that you've acquired will also affect how much you can afford to spend on a new home. Many buyers aren't willing to pay down their debt or give up their luxury car, which can make it take longer to purchase a house.

 

Skipping the Home Inspection

The home that you have your eye on may look like it's in good condition, but it can be easy to assume that there aren't any underlying issues present. Failing to get a home inspection can lead to headaches down the road if you discover mold in the basement or cracks in the foundation. Although you may want to cut costs by avoiding the inspection, it's worth the investment and can offer peace of mind. Issues that are discovered on the property can also allow you to have more negotiating power and can cause the seller to reduce the price significantly. Hire a professional who has a trained eye to spot any problems, which can influence if you still want to make the purchase or continue looking for another house.

 

Finding the Home Yourself

Buyers who aren't trained real estate agents can have a difficult time purchasing a home without the help of a professional. Real estate agents are aware of more homes that are available on the market that may not be listed, which can provide you with more options. They can also allow you to obtain a lower price on the property during the negotiating process due to their expertise. You'll enjoy a smoother process and can save money with the help of an agent.

 

Not Saving Enough Money

Some people fail to save enough money when they're ready to buy a home, whether it's with the down payment or the closing costs. You should have two to three months of your income in reserves and also save for closing costs, which are two to five percent of the home's price.


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