Buy vs. Rent: Make Real Estate Work For You

rent or buy

Here are some benefits of buying a home vs. renting one: BUY • Substantial tax breaks for homeowners • Build equity to use towards a future home • Unlimited decorative freedom • Can create a rental income property in the future • Stability- no landlord forcing you to move unexpectedly RENT • No tax benefits… [Read More]

Understanding Closing Costs

closing costs

Common closing costs and fees that you may expect are: • Loan Origination Fee: a percentage of the mortgage, charged to set up and evaluate the loan application • Credit Report Fee: requested by the lender in order to evaluate your loan application • Appraisal Fee: used to obtain an independent appraisal of the home… [Read More]

Things Buyers May Want to Know in a Seller’s Market

new home

Low housing inventory makes it easier for sellers. How do you compete in that kind of market if you’re looking to buy a home? Here is a list of things buyers may want to know in a seller’s market: 1. Work with a Realtor that you trust 2. Get pre-approved for a mortgage 3. Know… [Read More]

Finding Your Home

House Drawing on Chalkboard

Do you know what steps to take when purchasing a new house? Buying a home can be stressful but our team is here to help make this process as easy as possible. Here are the steps to take: 1. Select a Real Estate agent 2. Get pre-approved for a mortgage 3. Select and view properties… [Read More]

When do you need to update your homeowners insurance?

insurance

Thinking about updating your homeowners insurance may not be something that you do very often. But to make sure you and your belongings are protected, you have to update your homeowners insurance as things change. So when should you review your coverage? 1. If you make any changes to your home to increase the value,… [Read More]

Seller Tips You Don’t Want to Ignore

landscaping

Selling your home takes some work but putting in the effort can make selling a bit easier and could result in a better outcome. 1. Landscape- When buyers come to your home the landscaping is one of the first things they will notice. Make sure your lawn, plants, flowerbeds, etc. are looking neat. First impressions… [Read More]

Plan for ALL Costs of Owning a Home

house piece small

If you’re thinking about buying your first home, make sure you take into account all costs that could go into home ownership. Here are the costs you have to take into consideration: • Down payment • Closing costs • Monthly mortgage payment • Taxes • Insurance • Utilities • Homeowners association (if applicable) • Yard… [Read More]

Are you pre-approved for a home loan?

mortgage blocks

When beginning to think about purchasing a new house, getting pre-approved for a home loan can be a good place to start. Getting pre-approved can help you. Here is how: 1. Determine how much you can afford to spend on a home 2. Increase your bargaining power 3. Determine what your total investment will be… [Read More]

Buying Your First Home

standing in front of house

Are you ready to buy a home? Here are some key points to being prepared to make your first offer. 1. Know what you can afford and how much cash is needed. Knowing what you are pre-approved for is helpful because you will be searching and looking at homes in your price range. 2. Know… [Read More]

Why is it important to get pre-approved for a home loan?

Pre-approval

1. Determine how much you can afford to spend on a home. A pre-approval shows you how much you can afford to spend on a home based on your debt, income, and credit. 2. Increase your bargaining power. Knowing how much home you can afford can give you more bargaining power when negotiating with a… [Read More]