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How much you should put down to purchase your new home?
by Charyl E. Soyland
How much should you put down to purchase your new home? Historically, home buyers seek to put down 20% when they purchase a home. However, according to a recent survey by The National Association of Realtors (NAR), the actual national average is much closer to 10%. When it comes to first-time homebuyers, the average down payment is at 4% as per the same survey. While down payment requirements vary based on the lender you choose to work with, the amount required will usually depend...
Read MoreWhy You Should Get a Home Warranty When You List Your Home
by Charyl E. Soyland
Why You Should Get a Home Warranty When You List Your Home Home warranties aren’t just for buyers anymore. In the past, buyers have asked sellers to pay for a home warranty to give them a year of protection after it sells on roughly 16 major systems in the house including things like the electrical system, appliances, hot water heater, furnace, etc. Overall, it makes sense because the first time claim on a home warranty for most buyers runs around $1,500 to 1,600 plus a deductible...
Read MoreHow to get qualified to purchase a home for no money down
by Charyl E. Soyland
How to get qualified to purchase a home for no money down Even with all the insanity that happened during the mortgage meltdown and all the changes that resulted in how money would now be lent to buyers, there are still some amazingly affordable loan programs out there. Included, believe it or not, no-money-down options for buying a home. Here are some of the best programs that are out there today and how you need to get qualified to purchase a home using them to buy a home for no money...
Read MoreHow to get the home with the furniture included
by Charyl E. Soyland
How to get the home with the furniture included So you like the dining room table in the house you want to buy, but your agent tells you it’s not included with the sale. What do you do? In short, you ask for it. Well, you negotiate it as part of your offer to purchase the home from the seller. To effectively get the home you want with the furniture included, you should identify in advance any furniture that you are interested in buying and let the seller (or your agent) know...
Read MoreHow much money will go into your pocket after your home is sold?
by Charyl E. Soyland
How much money will go into your pocket after your home is sold? It’s not what you make, it’s what you keep that matters. This holds especially true when it comes to the sale of your home. The sales price you see at the top of the closing paperwork is rarely, if ever, the amount of money that ends up in your pocket as the seller. There are often a variety of costs and fees associated with getting a home sold, so it’s important that you understand exactly what you’re...
Read MoreHow much should you offer on the home you fell in love with?
by Charyl E. Soyland
You’ve spent the last few months looking for a home and now the only thing that stands between you and having the right to negotiate full ownership of the home you fell in love with is preparing an offer that will be acceptable to the seller. The purchase and sales agreement is the first formal communication that leads to the final deal and eventually a closing when it’s time for you to take ownership of the property. The total agreement between...
Read MoreWhat's the right amount of money to spend in upgrading your home?
by Kelvin Elliott
What's the right amount of money to spend in upgrading your home? You’re wanting to freshen up your house a little bit and you’ve already determined what you think you should do to make it amazing for you to really enjoy it. Before you jump into your renovation project, make sure you set a budget so you can spend the right amount of money upgrading your home. Without a plan and a budget, you can spend tons of money on all kinds of neat options — from a new marble island-top...
Read MoreWhen is the best time of the year to sell?
by Kelvin Elliott
When is the best time of the year to sell? You want to sell your home, maximize the amount you sell it for and get it sold in a reasonable amount of time. While there’s no horrible time of the year to sell your home, there are better times of the year to put it on the market to get the best results for yourself. We’ve done the research and the results are in. Here’s the best time of the year to sell. And the winner is… Life happens...
Read MoreTop deal breakers for a home under contract and how to fix them
by Kelvin Elliott
Your home is under contract, what’s next? Great news, you’ve put your dream home under contract and you’re excited to move in one day soon. That said, there’s a lot that has to happen before you can take occupancy: home inspection, appraisal, financing paperwork, contingencies and other requirements necessary to close. Here’s what you can expect to happen over the coming weeks. Due Diligence Now that the home is yours to negotiate exclusively with...
Read MoreWhy you should wait to buy that car until after your home purchase?
by Kelvin Elliott
Why you should wait to buy that car until after your home purchase Getting preapproved for a mortgage is a major step in buying a home. In fact, it’s a virtual necessity to secure a home in this market environment if you’re not paying cash. The great news is, when done properly, it’s like having cash in your hands so you can negotiate effectively with a seller to buy a home. It’s easily one of the most important things you can do in order to buy the home of your...
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