When you’re thinking about making a move, the first steps in the home buying process are:

1.     Deciding when you want to make your move

2.     Considering how much money you would like to spend

3.     Thinking about what type of home you would like

4.     Deciding where you would like to live

The next step is usually finding out how much loan you can qualify for and deciding the type of financing will work best for you.

If you’re in the “thinking about it” stage, you will want to speak with a lender about receiving pre-qualification. If you choose to become pre-qualified, the lender will determine how much you can borrow based on financial information you provide to the lender. Pre-qualification is useful for making preliminary decisions about how much home you can afford, but does not assess your creditworthiness.

You will need to fill out a loan application and go through the lender's loan approval process at a later date. When you decide to buy a home, you will want to become pre-approved for a loan prior to beginning your home search.

When you’re thinking about buying your first home, it’s essential for you to be confident in your decision to buy instead of rent. However, you may not know about the many great reasons to buy a home! Here are just a few of them:

Smart investment
When you invest in a home, it offers the possibility for appreciation in value. The equity becomes yours when you’re still paying off your mortgage. You even get to live in it while your investment matures.
 

Tax advantages
Since both mortgage interest and property taxes are tax deductible, homeownership can save you significant amounts of money every year.

Planned housing costs
You decide how much you spend on your home, including repairs and improvements. Unlike renters, homeowners with a fixed-rate loan can lock in their monthly housing costs.
 

Improvements to your taste
You can choose which improvements to make your own property, such as a deck, kitchen remodel, or new paint, instead of needing permission from your landlord.

If you have more questions about making the decision to buy a home, please feel free to call or email.

How to Obtain Top Dollar for Your Home

If you are considering selling your home in the next 3-6 months, you are probably asking yourself questions like these:

• Should I replace the tile counters in the bathroom with granite?
• Does the wallpaper make the house look dated?
• Is the cost of installing new kitchen cabinets worth the expense?
• Do I need to put on a new the roof or can I just have it inspected and replace the deteriorated areas?
• Is it necessary to paint all the interior walls, or would touching-up the obvious areas work just as well?
• Would installing new carpets and/or refinishing the wood floors be worth the expense?
• What about exterior paint—should I have the house painted before putting it on the market, or use that as a bargaining point in negotiating the sale?

These are all good questions. And none of them has an easy yes or no answer. Your home is unique, as is the neighborhood you live in.

Part of my expertise is helping sellers prepare their homes with the right improvements that bring in top dollar. I would be happy to stop by and do a simple walk-through to point out areas to focus on to improve your house’s market value—as well as what projects will not likely give you a good return on your money or time.  

There is no charge for this service. My goal is to be the neighborhood expert. The more neighbors I talk to and the more familiar I become with the homes in our neighborhood, the better level of service I can offer to families moving into our area.

If you are interested in having me doing this free walk-through to get your house market-ready, please feel give me a call or email me. I’ll also do my best to answer any other questions you have.

Because we are so close to our pets, they often become very sensitive to our stress levels. When we are packing to move or even take a vacation, our pets will be more stressed than usual. When packing, it helps to remove pets from the area to minimize stress, fear and possible harm.

Here are some tips for traveling to your new destination with your pet:

• Carry your pet's current health certificate and rabies tag

• Make sure your pet has a collar with current contact identification

• Have any of your pet’s medications handy and make sure it is protected from fleas and ticks

• Bring your pet’s bedding, food and water bowls, a litter box and favorite toys

• Keep fresh water available at all times

• Maintain good air circulation; use your air conditioner if necessary

• Stop for an exercise and potty break at least every three hours

• Never leave your pet alone in the car on a warm day

Friends come by to visit you, not your house. Your home can be a flexible extension and reflection of your lifestyle and personality, not a fixed collection of rooms that can only be used for their originally-intended purpose.

If space is limited, consider making some rooms do double duty. Here are some tips for thinking differently and making the most of the space in your home:

• If you don’t put on formal dinner parties, consider turning an unused dining room into a home office. When friends come over for an meal, cushions around a coffee table in front of the fireplace can become an informal ‘dining room.’

• Repurpose furniture into special ‘rooms.’ A drop-front secretary with shelves, drawers and a work surface can turn your living room into a craft center by day but can be closed up for entertaining in the evening.

• Many people regard their bedroom as a sanctuary and retreat. Consider adding built-in or freestanding shelves and an easy chair with a floor lamp to turn one corner of your bedroom into a quiet ‘library.’

Instead of having a traditional garage sale, perhaps you should consider putting your garage sale online. Free online classified ads like Craig’s List or fee-based auction sites like eBay make it easy to do. Here’s how:

• Take your time: The beauty of an online garage sale is that you don’t need to sell all your unwanted belongings at once. Instead you can post them online as soon as you decide to get rid of them.

• Price it right: Search online to learn prices of comparable items and price yours to sell if you don’t want to be stuck with them later on.

• Use pictures: Use a digital camera to take shots of your items. One picture is worth hundreds of words of description. Provide written descriptions, including dimensions and be sure to indicate any defect or areas of wear or damage.

• Payment: Items listed on local classified sites like Craig’s List are usually paid for  as cash at delivery on a first-come, first-served basis. Winning bidders on auction sites like eBay use PayPal to pay with their credit card. Setting up an account with PayPal is free and easy.

• Shipping: Auction sites let you specify a flat rate for shipping or allow buyers to compute and pay for shipping costs. Craig’s List buyers will pick up their purchase from you once you’ve both agreed on the price so there are no shipping costs at all.

By getting rid of unwanted items through an online garage sale you’ll make your home feel more spacious and have fewer items to pack if you decide to make a move.

Nothing makes a home quite as appealing as attractive plants. People lacking a green thumb or the time or space necessary to devote to a garden might consider adding window boxes or small raised beds to add a touch of color. Here are some ideas to get you started:

• Window boxes are the easiest to install, plant, and maintain. Wrought iron grids called ‘hayracks’ are available in many stores. They come in a variety of widths and attach easily to your window trim. Their liner helps retain soil and water, keeping your plants moist and healthy.

• Raised beds are best when made from pressure-treated dimensional lumber or artificial wood products like Trex to minimize rotting over time. Cut the lumber into the dimensions you want then nail or screw them together to form a frame. Place the frame where you want it, making sure it’s level. Then add a layer of fine gravel at the bottom for drainage followed by topsoil, and finally an organic topdressing. This works with large pots as well.

• For south-facing window boxes and beds, plant sun-loving perennials or herbs. For north and east facing locations, choose shade plants like ivy, hostas, begonias, hydrangeas, geraniums or bleeding hearts. For western exposures, sun-loving, drought-tolerant plants are best. Choose vegetables in the spring and summer and in late fall and winter, plant decorative cabbage (kale) or dwarf boxwoods.

• Whatever you plant, make sure to water only enough to keep plants from wilting in the sun. Remember, too much water can be as bad as not enough.

More and more people are working from home. From small-business owners to corporate telecommuters, more and more people are dedicating areas within their homes as full-time home offices. Here are some tips to help you design and equip an office in your home, no matter how small it might be:

• Size isn’t everything. Perfectly functional offices can be built into unused walk-in closets or even armoires or other furniture. While not everyone needs a large office in which to meet people or hold meetings, every office needs to have room for the basic tools necessary to running a business or doing a job.

• Organization is the key. Make the most of the space you have by using storage boxes or baskets of a uniform size to store papers, catalogs, magazines and supplies. By being the same size, they’ll better fit on shelves or on your desk with a minimum of wasted space.

• Make the most of today’s technology. A modern laptop has as much computing power as last year’s desktop tower. Thin LCD monitors take up much less space than bulky CRT tube monitors. Wi-Fi lets you connect to the Internet with a minimum of wiring. And VOIP telephones use your Internet connection to communicate at a fixed price every month with no long-distance charges.

• Treat your body right. Get an ergonomic chair and adjust it so your elbows are bent at a 90º angle when typing and be sure you’re not looking down at your monitor. Use high intensity task lighting to direct light where you need it.

Sooner or later you may need to hire a contractor to perform maintenance, painting, remodeling, landscaping, or other project. Here are some tips on how to choose a contractor to ensure you get a fair price and are treated fairly during the process.

• Start by writing down exactly what it is you want the contractor to do and when you want it done. Be specific.

• Make a list of prospective contractors. Ask friends and neighbors, check the phone book, your local newspaper, or online classified ads like Craig’s List.

• Meet with the contractors you’ve selected to show them your property and discuss the project in detail. Use your written description of the project to make sure you cover all the points on it with each contractor you meet.

• If a contractor suggests additional work, ask for his estimate in two parts with the second part covering the additional work he suggests beyond what was on your original project description.

• Ask exactly who will be doing the work and the extent of the contractor’s personal involvement in your project.

• For small projects, payment is usually made in full on completion. Larger projects usually require making interim payments on a weekly or monthly basis. Make sure you both agree on when interim payments will be made.

• Get an estimate in writing. Be sure it specifies all labor and materials that may be required. If subcontractors are required, be sure the estimate includes their cost as well.

• Choose your contractor based on whatever factor you’re most comfortable with: lowest price; reputation; or ‘gut feel’.

• It’s good business practice for both of you to sign a copy of the estimate and for you to give the contractor a deposit before the project begins. The deposit can be either a flat fee or a percentage of the total estimate amount.

• Never make full payment for a project up front.

Earthquakes, tornados, hurricanes and floods are an unfortunate fact of life in many areas. Here are some steps you can take to get ready before any kind of disaster occurs:

• Be prepared to spend up to 72 hours without utilities, medical help or communications.

• Start an emergency kit in a crushproof box containing bottled drinking water, a first aid kit, flashlight, non-perishable food, blankets, basic toiletries, a portable radio and extra batteries. Camping gear can also be valuable. Make sure your kit is up-to-date and easily available in a safe, dry place.

• Strap your hot water heater and any gas appliances to a wall. Turn off gas at the meter ONLY if you smell a leak. Leave your home immediately and call the utility company from a safe place.

• Hold a home evacuation drill. Have a plan for reuniting your family. Keep photos of family members in your wallet in case they turn up missing.

• Educate your children. Get a copy of their school’s disaster policy regarding emergency transportation and student release.

• Keep a stash of cash hidden in the event that banks or automatic teller machines shut down.

When you decide to sell your home, having it in tip-top condition can make a huge difference in how quickly it sells and the amount of the offer you receive. Prospective buyers eagerly look at every new home as it comes on the market so taking care to ensure your home looks its best can help make it stand out from the others. Here are some tips you might find helpful:

• Start with a well-cared-for yard and freshly-mowed lawn. Your front door, porch and entryway should be clean and neat, preferably newly painted.

• Remove excess furniture and accessories so the rooms appear larger.

• Pack family photographs and other personal effects away to make your home appear more ‘generic’ and easier for prospective buyers to imagine themselves living in it.

• Have your home thoroughly cleaned beforehand. Make sure that beds are made, dishes are done and everything is picked up.

• Bring the outside in with fresh flowers. Potted flowering plants last much longer than cut flowers.

If you’d like more suggestions on getting your home ready for sale, please don't hesitate to call or email me.