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How much you should put down to purchase your new home?
by Silva Jelebinkov
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 on your credit score and your...
Read MoreWhy You Should Get a Home Warranty When You List Your Home
by Silva Jelebinkov
Home warranties aren’t just for buyers anymore. In the past, buyers have asked sellers to pay for a home warranty to give the 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 $1,100 - $1,200 including the $75 deductible that comes with making the...
Read MoreHow to get qualified to purchase a home for no money down
by Silva Jelebinkov
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 among them, believe it or not, are 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 Silva Jelebinkov
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 Silva Jelebinkov
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 going to walk away with before you...
Read MoreHow to handle a multiple offer situation
by Ken Narksompop
Over the last five years, properly priced homes have been fetching multiple offers on a consistent basis. It is, without a doubt, a seller’s market. But as exciting as having a bidding war on your property is, it can also provide for some confusion and even anxiety in figuring out what to do with all those offers. Your natural instinct might be to choose the one that lets walk away with the most amount of money, but there are many...
Read MoreHow to Sell Your Home Fast and for the Most Amount of Money
by Ken Narksompop
How to Sell Your Home Fast and for the Most Amount of Money The market has been moving at a pretty good clip over the last several years and it appears that things are going to stay that way for a while. According to the Case Shiller Home Price Index across the United States have increased 33% over the last 5 years. Despite all of the amazing things happening in virtually every market across the country, including ours, one thing still rings...
Read MoreIf your home inspection report comes back bad, now what?
by Ken Narksompop
One of the biggest deal killers for any real estate transaction is the home inspection. It strikes fear into the hearts of sellers and buyers...even though virtually everything about a home can be repaired or replaced. The good news is that if you have a great real estate agent and a competent home inspector, you can usually handle a failed inspection report properly without having to panic in the process. The key thing to remember is that when the home inspection report...
Read MoreWhat is the Interest write off deduction?
by Ken Narksompop
Tax deductible interest is a borrowing expense that a taxpayer can claim on a federal or state tax return to reduce taxable income. Mortgage interest for both first and second (home equity) mortgages, mortgage interest for investment properties are among the list of deductions you can take on your taxes. This is another reason why owning a home is more favorable than renting. In addition to building equity in a home that you...
Read MoreWhy landscaping can make your home sell faster and for more money
by Ken Narksompop
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...
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