I would combine the Survey Fee and Application fee and round up to about $900 for admin/lender fee. There could be added costs if you choose to impound your taxes & insurance. Lenders require a few months of each to set that account up. I say budget about $8,000-$10,000 in closing costs depending on price of home. There are some great programs that can help with down payment and closing costs. Let me get you in touch with those lenders. With rents as high as they have been, you might be better off Owning…I know you will!!
8 Ways to get your Agent to love you!
With love from your agent
I love my clients….all of them. And, I like to think my communication with them is very clear. Expectations are set from the first meeting. However, we are all not perfect. Buying or Selling your home means you work with an agent…at least you better be. There are many things that help us make the job easier and smoother. But, the 8 items in the article really are point on. One thing, as an agent, some of us fail to mention is that we work mainly off referrals from all of you. We want them, we need them. We don’t always ask- so if you can remember to think about referring us that scores major points and we love you lot’s. Another one that we, as agents, can fail at is asking for a review after the transaction has ended. We love this. This scores you even more points and we love you mucho!!
Your awesome agent 🙂
Wine is my 2nd passion, Real Estate is my 1st:
Came across this great, fun article for tips on wine tasting. One thing I am very passionate about, next to Real Estate, is wine! How can you not love it when we are surrounded by the beauty it has to offer. Most of us are spoiled because we have “views” everywhere we go. I bet you can’t go 1 mile without seeing a winery or vineyard. I’m really fortunate to sell homes because I come across a new winery almost every week. I made it my mission years ago to visit every winery within a 40 mile radius of my home in Windsor. WOW! I had no idea 15 years ago that I would be here now not having even seen 50% of them!! So, every year I make a new goal to visit more wineries…..and every year I am disappointed that I could not achieve the previous goal. I love it!! Guess I have to keep setting the goal higher!! DARN. Anyway, came across this article and it is great, especially for tourists our “out of towners.” I like to switch up my content sometimes and not always talk Real Estate…..but, I can’t. I love it here and you all need to move here….I can help you buy a house or maybe a vacation home!! I tried but Real Estate is my passion. ENJOY~
Avoid being a victim of a home burglary:
Be smart when you are away on vacation. We all want to post where we are and show our fun pictures on social media. My advice is go ahead and do it, IF you have someone staying at your home watching over it. BUT, if you do not have a house sitter then refrain from posting until you are back in route home. I keep automatic timers on most of my lights, alternating when they go off and on throughout the house. Having the post office hold your mail is another great tool to avoid showing obvious signs of you not being home for extended period of time. You may be located in a gated community which does add extra security from intruders. I am, fortunate enough, to live next door to a police officer and a house of military guys. I feel extra safe, but I still take the necessary precautions when staying away from my home for more than 2 days. Auto theft and burglary: That does bring me to another subject….Vehicles. Lock them up and keep valuables out of sight. This goes for loose change and CD’s (do those still exist??). Stay smart and safe my friends!
This graph is pretty accurate, no matter where you are living. What I can tell you is that the list of non-negotiable usually starts out with about 20 items that is a “must have.” As the search goes on I do see the list to shrink. But, the common denominator seems to always include this list. A home is a long term investment and there could be events, in the economy, that could keep you in that home for a lot longer than you had planned. Paint, carpet, fixtures can all be changed to fit your style. But, it is much more expensive to install central heat/AC, expand square footage or create a nice size yard when your lot is not big. I think this is why the process can be emotional. A long term investment, unlike a car. Write a list of Pros and Cons when purchasing can really help you narrow down the Non-Negotiable. https://activerain.com/droplet/5gzY
It may seem that the cost to hire a Real Estate professional is high, but the cost to not is higher. The amount of disclosures and negotiating skill that goes into executing a contract is lengthy. There are so many loop holes for a Buyer/Seller to sue you, me, everyone. Also, the home condition can be overlooked by paint and furniture. So many moving parts to purchasing or selling a home. Realtors help with the process from start to finish….and sometimes there after. Realtors help keep the business focused and removed the emotional investment, that a Seller/Buyer cannot. Hire a professional, always!
I am surprised by some of the Popular decorating trends, however I am enjoying some of the new trends for 2019. I am a little disappointed that one of the trends made the NOT popular list anymore. I am starting to see a lot of my mother’s styles coming back. Phew, now I don’t have to hid that chair with a cover up. Most importantly- Home owners looking to sell should always check out what’s hot and what’s not. Small changes can encourage a quick sale. Check them out here: https://lightersideofrealestate.com/around-the-home/style-design/home-trends-thatll-be-hot-in-2019-and-2-that-are-out
There are programs out there offering down payment assistance and closing costs assistance. The cash to close seems to be the biggest hurdle….NOT the payment. Therefore don’t rule out Home Ownership. Great article to check out: https://themreport.com/daily-dose/12-11-2018/achieving-homeownership