New Loan Program Helps Buyers with Bad Credit

Approved

Did your credit take a tail spin???

This new program is one more feature that provides our clients with the widest range of financing options.  There are specific rules that apply but, if you have experienced a Short Sale, Foreclosure or Bankruptcy, options exist. Mike & I want to put this program to work and allow our clients to buy their first home or to own their own Home…Again!

Notable Program highlights include;

·        1 year seasoning for major derogatory credit events (short sales, foreclosures, and bankruptcies)

·        85% LTV to $500,000, 660 credit score, 24 months satisfactory housing

·        80% LTV to $750,000, 620 credit score, 12 months satisfactory housing

·        75% LTV to $1,250,000, 640 credit score, 24 months satisfactory housing

·        First Time Home Buyer allowed with restrictions

Other credit restrictions apply and the guidelines should be reviewed carefully.  Home Again has minimum credit standards and title to the home may not be impacted by credit items still pending. We would love the opportunity to discuss your options. Give me a call or Click here for more information

How to help Mom and Dad buy closer to the kids – today

SeniorA lot of older homeowners are property rich and cash poor.

As a RE/MAX agent, I’ve worked with many families who prefer to live closer to each other.

Often, the parents need to sell their current home before they can move.

To solve this problem, the federal government backs a program to help older homeowners purchase a home. The product is called a “Reverse Mortgage.” These safe, FHA-insured loans allow Mom and Dad to buy a home closer to the kids now and with no monthly mortgage payments. Click here for more information about Reverse Mortgages

Reverse mortgages are not for everyone, but they could be worth a look. Just call or send me an email and let’s see what’s possible.

Are You Getting Results?

Couple with house key

Some real estate agents will try to win your business by showing you a lot of flash: big ads in the local newspaper, giant decals on their car, or a slew of social media icons on their website.

But are they delivering results?

As your local RE/MAX agent, I encourage you to measure success with one thing: results.

The bottom line is closing the deal. I do that smoothly, quickly, and effectively.

Ready to get started? Be our next success story. Tap into the power of RE/MAX today and give me a call.

How can you buy a rental property with a Tax-Deferred Exchange?

RentalYou probably know several people who have at least one rental property. Often it’s a parents’ home that the adult children have inherited.

What they may not know is they can sell that property – tax-free – for a place they could vacation a few weeks a year. Another option: They could sell the home and purchase a share of an apartment building.

Would this interest you?

As a RE/MAX agent, I can explain how to use a 1031 Tax-Deferred Exchange, sometimes known as a Starker Exchange, to “trade” one investment property for another if you follow some simple guidelines.

Think about it… it’s a golf-course condo a few weeks a year for you, then a rental to others the rest of the year. Let’s take some time to discuss and see what’s possible. Let an Agent who knows guide you!

Have You Considered Buying a Rental Property?

fist of cashMillions of Americans who have held onto their cash are now looking to invest. Where can you put your hard-earned money to receive the biggest bang for your investment buck?

If you believe local housing values will go up over time, have you considered buying a rental property?

As your local RE/MAX agent, I know which neighborhoods historically have retained the largest pool of responsible renters. One example is that regional hospitals and established community clinics attract interning doctors, new nurses and numerous staff who seek nearby housing.

Let’s talk about what it takes to rent a home and where you might want to look. My list of resources from funding to acquisition, contracts to tenants, are to name a few of the ways I am able to guide and assist you with this process. Click here for more information about funding! Just send me an email or give me a call. I’m here to help. Let an Agent who knows guide you!

Thinking about a bigger or better home?

bigger homeWhether you love your current home or have had your eye on upgrading for years, making the decision to move to a bigger or better house isn’t easy. You have a lot to consider, but it doesn’t have to be overwhelming.

Before you embark on the journey toward a housing upgrade, take a step back. First, think about creating a specific list of what you want to accomplish by moving.

Then start talking about what’s really required to move up. That’s where I come in. I can help you sort through everything.

As your local RE/MAX agent, I’m here to help. Please send me an email or give me a call.

The Number One Reason Home Buyers Need an Agent

NegotiatingNegotiating: it’s arguably the hardest part of the buying process. It’s also the the number one reason a home buyer needs a professional real estate agent.

The forms are daunting. The liabilities are huge. But there’s a big difference between making an offer and making the right offer.

As your local RE/MAX agent, I can handle your negotiations for you. I have an “in-depth” understanding of the current market trends and property values. Let me show you how I can use my “cool tools” to help. Please send me an email or give me a call.

Why Use a Real Estate Agent?

Red Carpet Enterprises BlogIf you are currently in the market for your first home, you may be curious as to how a Real Estate Agent can help you. You are about to be making an important decision for your future, a great investment of both money and time. I have a wealth of experience helping first time buyers like you make sound, informed decisions.

Here are some ways that you can benefit from the help of a real estate professional:

  • Agents can help establish a plan for a home that fits your needs. Style, size, amenities, and other preferences will help determine what kind of home is best suited for you.
  • They will help you to determine realistic spending limits. They can often explain alternative financing options or introduce you to a mortgage counselor. Agents can arrange to have you “pre-approved”, which can help improve your positioning in negotiations.
  • Their access to all home listings within the multi-listing system enables them to evaluate based on your affordability and the qualities you desire.
  • They have access to information on taxes, real estate values, utility costs, and municipal services, all of which can aid you in your decision to buy.
  • They provide direct service by working for you as a buyer’s agent, helping to negotiate the best terms and price for you.
  • They can make you comfortable with the closing process and they will obtain closing figures in advance for your review.
  • They can recommend home inspectors, pest inspectors, and surveyors, and can help arrange inspections.

These are just a few ways that a quality real estate agent can help you in your journey towards buying your very first home. More information for first time buyers can be found on my website or by calling me directly. I’m confident that I can provide the kind of exceptional service that will make this process an exciting one. Please feel free to call or e-mail me with any questions you may have.

Thinking about a bigger or better home?

new homeWhether you love your current home or have had your eye on upgrading for years, making the decision to move to a bigger or better house isn’t easy. You have a lot to consider, but it doesn’t have to be overwhelming.

Before you embark on the journey toward a housing upgrade, take a step back. First, think about creating a specific list of what you want to accomplish by moving.

Then start talking about what’s really required to move up. That’s where I come in. I can help you sort through everything.

As your local RE/MAX agent, I’m here to help. Let an Agent who knows, guide you! Please feel free to send me an email or give me a call.

Tips for First Time Home Buyers

thIf you are currently in the market for your first home, you probably have lots of questions. You are about to be making an important decision for your future, a great investment of both money and time. I have a wealth of experience helping first time buyers, like you, make sound, informed decisions. Here are some tips that can help make your home buying process successful:

  • Tip #1: Do Your Homework
    The perfect home won’t find you by itself. The key step in buying a home is doing the proper research. Educate yourself on local schools, neighborhoods, and the kinds of homes available. By reading available materials and talking with experts, you can start to put together your idea of the perfect home.
  • Tip #2: Start Planning
    Most decisions benefit greatly from proper planning, and home buying is certainly no exception. Start a filing system with sections such as home buying, home financing, and service providers. By forming a home buying plan you can more easily focus on the most important factors and help give structure to the entire process. My website is a great resource for property information.
  • Tip #3: Get PreQualified
    Getting prequalified for a loan normally only requires a short phone conversation with a lender, and can greatly help your home search. Prequalification does not guarantee you a loan, but it does provide you with an estimated monthly payment and a price range to use as a guide when shopping for homes. Being prequalified can also often indicate to sellers that you are a serious, prepared buyer.
  • Tip #4: Look for Value
    When shopping for homes, it’s important to consider potential value. Even if you’re not planning to sell the home some time down the line, it’s a good idea to consider the future value of the home. Protect yourself against things like falling prices and gradual shifts in the nature of the neighborhood. You may not think of a new home as a means to make money, but it’s an important investment that requires caution.
  • Tip #5: Decide What You’re Looking For
    Settle on the home features that are important to you (covered parking, hardwood floors, architectural style, etc.) and make an ordered list. Having well established guidelines will help narrow down your search and will prevent you from being shown properties that lack your key amenities. It can help you make the decision not to buy an attractive property that doesn’t really fit your needs. My website has a search feature that allows you to filter thousands of listings based on attributes that you select. If you know you want a brick house with gas heat and a garage, you can get the results you’re looking for.
  • Tip #6: Relax
    You don’t have to make an offer on the first home you see. Make sure to look at other listings in the area to get a feel for the marketplace. When you decide to make an offer on a house, consult with your real estate professional so that all of your questions are answered.
  • Tip #7: Shop Around for Your Mortgage
    Deciding on the financing for your home can be as important as choosing a home itself. The first step is deciding what kind of loan best fits you: a fixed rate mortgage, or an Adjustable Rate Mortgage (ARM). There are benefits to each form of loan, and your real estate professional can provide you with more information. Next you’ll want to begin to shop around for different lenders.
  • Tip #8: Protect Yourself
    Be careful when signing a contract on a home that allows you to find financing, have the home inspected, and work through any problem areas that may arise. Paying for a quality home inspection is absolutely crucial! You can save yourself thousands in repair costs by being sure of what you’re getting into.

More information for first time buyers can be found on my website, or by giving me a call. I’m confident that I can provide the kind of exceptional service that will make this process an exciting one. Feel free to contact me with any questions you may have, I would love to be of assistance to you.

Using the Internet to Sell Your Home

InternetIn today’s real estate market, a good selling plan can truly excel when properly combined with current Internet technology. Modern home buyers expect on-demand home shopping, and meeting that expectation is a crucial element of marketing a home. My website allows home buyers to search and sort through thousands of listings to find the home that is right for them. As your seller’s agent, I can ensure that your home is listed 24 hours a day, 7 days a week.

Every day countless home buyers use the resources of the Internet to help narrow their home search. Listing your home with me allows interested buyers to find your property based on the features that are most important to them. My website serves as a great filter, showing buyers the homes that best fit their needs and bringing you those buyers that are most interested in what your home has to offer.

If you still need convincing, take a look at my website to see the kinds of resources I’ve made available. Try a property search of your own to see what potential home buyers experience. I think you’ll be impressed with the efficiency and detail I’ve committed to my site. I’d love the chance to speak with you in person or on the phone about how I can use the web to sell your home. I’m here to help with any of your real estate needs. Follow me on FaceBook

Experienced Buyers

20151009_175136Buying a home? Things have changed.

Much has changed in the world of real estate in recent years. The influence of Internet technologies has given buyers and sellers new ways to come together. If you’ve been through the home buying process before, it’s more important than ever to pick the right real estate professional.

In the present real estate market, you want an agent who will use the Internet to your advantage. As an action-oriented real estate agent, I fully understand how today’s technology can help you find the right home. My “state-of-the-art” search tools allow you to search thousands of listings to locate the properties that best fit your needs. You can download the search tool to your phone, tablet or desktop computer. It’s a great tool for home buying, and free to use. To find the App, go to your App Store, enter Home Scouting Report. Download the App and register. Use VIP Code: CindyS  Start searching right away.

Call me today and we can discuss what you’re looking for in a home, and where to begin. I look forward to helping you.

Dear First Time Home Buyer

thIf you are currently in the market for your first home, you may be curious as to how a Real Estate Agent can help you. You are about to be making an important decision for your future, a great investment of both money and time. I have a wealth of experience helping first time buyers, like you, make sound, informed decisions.

Here are some ways that you can benefit from the help of a real estate professional:

  • Agents can help establish a plan for a home that fits your needs. Style, size, amenities, and other preferences will help determine what kind of home is best suited for you.
  • They will help you to determine realistic spending limits. They can often explain alternative financing options or introduce you to a mortgage counselor. Agents can arrange to have you “pre-approved”, which can help improve your positioning in negotiations.
  • Their access to all home listings within the multi-listing system enables them to evaluate based on your affordability and the qualities you desire.
  • They have access to information on taxes, real estate values, utility costs, and municipal services, all of which can aid you in your decision to buy.
  • They provide direct service by working for you as a buyer’s agent, helping to negotiate the best terms and price for you.
  • They can make you comfortable with the closing process and they will obtain closing figures in advance for your review.
  • They can recommend home inspectors, pest inspectors, and surveyors, and can help arrange inspections.

These are just a few ways that a quality real estate agent can help you in your journey towards buying your very first home. More information for first time buyers can be found on my website or by calling me directly. I’m confident that I can provide the kind of exceptional service that will make this process an exciting one. Please feel free to call or e-mail me with any questions you may have.

The Biggest Mistake a Seller Makes

images-1The number one mistake sellers make when they list their home for sale: overpricing it.

While you may think you can always lower the asking price if it doesn’t sell, you’ll actually miss out on buyers, lose opportunities to draw foot traffic, and risk sitting on the market for too long.

The easiest fix: Price your home right so it will sell quickly.

Let me help accurately compare current home sales in your neighborhood and propose your best asking price. I have cool tools that let me look inside the market, access data and compile information that we can review together.

As your local RE/MAX agent, I am ready to help. What questions do you have? Send me an email or give me a call.

Do You Have Two Lists?

photoHouses are as different as people, and finding the right fit can be challenging.

The best approach is to make two lists.

One list is for your needs. These are things you absolutely need in a house to even consider buying it.

The other list is for your wants. These are nice features that you’d like, but they aren’t absolutely crucial.

What’s on your lists? Let me help you sort through what’s on the market today. As your local RE/MAX agent, I can help you find the home that’s perfect for you. Please send me an email or give me a call.

Why would you sell your home in today’s market?

Happy mother with baby

A new job, a new baby, a new spouse, a student heading off to college – there are many reasons why people are selling in today’s market.

The timing for you could be just right.

So what’s your reason? Do you want to upgrade your home or reduce your space?

Give me a call today and let’s talk about what’s selling in today’s market and why you might want to consider.

As your local RE/MAX agent, I’m here to help. Remember, nobody in the world sells more real estate than RE/MAX. Let an Agent who knows, guide you!

Simple Tips for Making Your Home More Energy Efficient

imagesYou might assume that making your home energy efficient requires a lot of time and money, but generally that’s not the case. Often small fixes can have a big impact on your heating, cooling, and other utility bills. Here are some easy things you can do to make your home more efficient right now:

Tip #1: Don’t turn that dial

Keep your thermostat set at one temperature and leave it! In the winter around 68 degrees should be right, and 75 degrees in summer (in homes with a cooling system, of course). Avoiding constant adjustments will keep your energy bills stable.

Tip #2: Stop the drip-drips

Leaky shower heads and faucets are hard-to-miss energy wasters. Toilets that run can also cost you on your water bill. The majority of required repairs are covered in the most basic do-it-yourself handbook.

Tip #3: Go fluorescent

While compact fluorescent light bulbs cost more than the standard incandescent bulbs that you’re used to, they last up to five times longer and use only a quarter of the electricity. Many of these bulbs last over five years, and each energy-saving fluorescent bulb will save you $40 to $60 on your electric bill over the course of its lifetime.

Tip #4: Watch that fireplace

Energy can really leak out of that fireplace. Check the dampers and screens to make sure that energy isn’t leaking when the fireplace is not in use. If the fireplace is just for decoration, cover the chimney. A well maintained fireplace should be an economical way to heat your house and add a warm atmosphere as well.

Tip #5: Keep those appliances humming

Clean air conditioning and furnace filters frequently, and have your appliances inspected once a year. Efficient appliances lower energy bills and future repair costs.

Tip #6: Windows that waste

Windows are the most common energy waster. Make sure that all the weather-stripping is in good condition, and consider double-paned windows and storm shutters to reduce the energy drain.

Hopefully these ideas help you create a more energy efficient home. Energy efficiency is not only an important part of conservation; it’s also a great way to save money. More homeowners tips are available on my website. If you have any questions about your home, I’m only a phone call away.

Making Moving Day a Success

imagesWhen relocating or buying a new home, there is one thing that most people dread: moving day. While it can indeed be a hectic day, planning your move weeks in advance can make things much smoother. It’s also important to know what to expect on moving day itself. Here are some things to keep in mind:

# 1: Make final preparations

Strip bedding and put into a “load last” box. Unplug all appliances, leaving cords clearly visible. If you haven’t done so already, defrost your refrigerator and freezer, leaving the doors open.

# 2: Clear a path

Keep packed boxes in a room close to the door but out of the way. Survey for any obstacles that could block carried furniture such as railings or fence gates. Place non-slip rugs in any high traffic areas that could be potentially dangerous.

# 3: Call the sitter

Your family pet should be confined, or better yet, left with a friend. Even the nicest of animals will find a way to be dangerously underfoot. You may also want to leave small children with a friend or sitter during the bustle of the move itself.

# 4: Keep everyone refreshed

Whether you’re using professional movers or just your friends, make sure that everyone is comfortable and hydrated. If it is a hot day, provide lots of cold beverages and snacks. On cold days offer hot chocolate and coffee. Ordering pizza for lunch is a nice way to show everyone you appreciate all the hard work.

# 5: Keep neighbors (old and new) happy

Keep the moving truck from blocking other driveways, and make sure not to walk through your neighbor’s lawn or flowerbeds. Move during the day to avoid disturbing the neighborhood.

# 6: Last walk through

Be sure to leave your old house as clean as you’d hope to find your new one. Check one last time for any forgotten items, leave one or two lights on (to make the home seem warm) and lock all doors and windows.

# 7: Coordinate your move

If using professional movers, ask any remaining questions, finalize all contact information, and sign both the bill of lading and inventory sheet after careful review. Go over the destination address and projected route, as well as expected travel time.

I hope these tips help you as you near your own moving day. You’ll also find more resources for relocation on my website.

If you need any help or have questions about moving companies, I’d love to be of assistance. Together we can ensure that your move becomes a smooth and successful one.

Considerations for Selecting a Real Estate Agent

FullSizeRender11If you’re considering buying or selling a home, selecting a real estate agent is the first important decision you will have to make. While there are many qualified real estate agents out there, it’s important to decide on a professional who will understand your needs and individual preferences, someone who you can respect and trust. Nearly four out of five home buyers and sellers enlist in the help of a real estate professional or broker.Whether you’re looking to buy a new home or sell the one you’re in, choosing a professional who best fits your needs is vital. Here are some questions to consider when choosing an agent:

  • How long have they been a real estate professional?
  • Do they work full or part time?
  • How long have they been working in this particular area?
  • What type of homes do they usually handle?
  • How much of their business comes from repeat customers or referrals?
  • How many homes did they sell last year?
  • How often can you expect to be updated, regardless of any progress?

Above all you should choose an agent that you feel comfortable with. Your real estate professional will be your guide through the entire process of buying or selling a home, and can be a valuable resource. Make sure that whomever you select is well suited to your demands.

I’d love to hear from you and have the opportunity to discuss why I may be right for you. You may also find it worthwhile to explore my website, it has plenty of information to cover your real estate needs. My site allows you to perform very detailed searches using search fields typically reserved only for real estate agents, so it’s a great place to start. Click here for a free home search app!

Please feel free to call or e-mail me with any of your real estate questions, I would be delighted to help you make the process of buying or selling a home a really smooth one.