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Why you should wait to buy that car until after your home purchase?
by Kenny Ga
Getting preapproved for a mortgage is a major step in buying a home. 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 dreams. But its name gives you a hint as to how fragile this financing instrument can be. You see, it’s a “pre” approval, which means you’re...
Read MoreWhat does a real estate agent actually do?
by Kenny Ga
Being a real estate agent requires you to employ a significant number of skills to complete a variety of different tasks on a daily basis. Trying to put what an agent does each day in one or two sentences is virtually impossible to do. It would be like trying to tell you what a chef does “cooks food” or what a nurse does “takes care of patients”. There’s a lot more that goes into what they do than just “helping people buy or sell properties”. If...
Read MoreWhat is your debt to income ratio...why should you care?
by Kenny Ga
Any time you have more income and less debt, you’re in good shape in life. That said, there is an ideal ratio between your debt and income in order to qualify for a good mortgage. When your debt to income ratio is on the high side, you run the risk of not getting a good loan (or not getting a loan at all) if your income were to take a hit during right before or during the loan funding process. Conversely, having no debt can work against...
Read MoreWhat happens when you overprice your home?
by Kenny Ga
When the real estate market favors sellers, it’s almost like there’s a feeding frenzy among buyers trying to secure listings that seem to get snapped up within hours of being put on the market. Such demand drives the prices of homes up rapidly, which only feeds into the perception that the good times will last forever. Unfortunately, trees don’t grow to the sky and there will always be a top of the market. What this means is that even...
Read MoreWhy Get Pre-approved? Structuring Your Offer to Get the Best Deal
by Kenny Ga
Buying a home is a dream come true, but the process of getting an offer prepared and accepted can be a nightmare if you don’t know what you’re doing. There are over 80 variables that need to be managed properly when buying a home and mishandling just one of them could cost you tens of thousands of dollars in unnecessary expenses. Making a home purchase is expensive enough that you don’t need to part ways with any more of your hard-earned...
Read MoreWhy landscaping can make your home sell faster and for more money
by Idrees & Ashley Lucas
Plain and simple, the quality of your landscaping determines whether or not your home feels inviting from the outside. Curb appeal is what people call it and it’s a key ingredient in the decision to buy a home to more than 71 percent of homebuyers. As you know, landscaping plays a huge role in the curb appeal that you present to prospective buyers for your home. The first impression is key: if buyers don’t like what your home looks like from...
Read MoreWhy you should make a list of the top 20 features you love about your home when selling?
by Idrees & Ashley Lucas
Who knows your home better than you do? The short answer is nobody. And because of that, you should take the time to make a list of the top 20 features you love about your home before you put it on the market. You see, if you like those things about your house, then so will someone else. And, in an effort to help your agent get your home sold faster and for more money, it will help if you point out the things you really dig about your home that...
Read MoreMarketing Strategies: Luxury homes vs average priced homes
by Idrees & Ashley Lucas
As you can imagine, driving up demand for a luxury home takes a uniquely different approach than does selling a regular home. From the word, go, you need a strong, clear and focused strategy that details how it will position your luxury home above the ordinary, illustrating and marketing its unique features in proper manner to perfect buyer at the perfect price. There are some very different ideas, thoughts and strategies around marketing a luxury home, which in...
Read MoreOwning vs. Renting
by Idrees & Ashley Lucas
Making the decision to own a home versus renting one is no small decision. Not only does it affect your expendable cash, but it also has a huge impact on your lifestyle and how much money you’re able to save over time. Sometimes, the goal to achieve the “American Dream” of owning a home clouds some people’s vision for the future and they buy a home when they should really be renting one. Similarly, there are people who...
Read MoreProperty tax assessment too high...what you can do about it?
by Idrees & Ashley Lucas
An increase in home values is great because it increases the equity in your home without you having to invest more money in making it happen. Unfortunately, as the price of your home increases, so does the perceived value of your home in the eyes of your local tax assessor. When that happens, your taxes also go up. The bad news is that your tax rate - the annual percentage of your home’s value that you pay - is fixed by the state and/or municipality in which you...
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