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Owning vs. Renting
by Evangeline Reyes Rabe
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 Evangeline Reyes Rabe
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...
Read MoreWhat's the right amount of money to spend in upgrading your home?
by Dale Evans
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 for your kitchen to a swanky hot tub for your backyard...
Read MoreWhen is the best time of the year to sell?
by Dale Evans
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 and sometimes, you just don’t have a say...
Read MoreTop deal breakers for a home under contract and how to fix them
by Dale Evans
Selling your home, while exciting, can also be extremely stressful. Even the best of real estate agents have to deal with complicated issues that arise with a home sale. In fact, you’ll find that even when seller and buyer get along great and the sales process is humming along smoothly that challenges can crop up requiring lots of negotiations and may delay the transaction weeks before you can close on the transaction. Conversely, some deals are complicated...
Read MoreWhy you should wait to buy that car until after your home purchase?
by Dale Evans
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 Dale Evans
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 Dale Evans
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 Dale Evans
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 Dale Evans
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...
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