If you’re planning on putting your home on the market soon, chances are, you are crunching numbers to determine what the different costs will be. Some people may consider trying to sell their home on their own in order to save money, but this could end up being a negative in the end. Here are some main reasons why you shouldn’t sell your house by yourself.
Putting a sign in your yard or an ad in the paper will simply not bring the results that it did in years past. Experienced real estate agents have an Internet strategy to promote the sale of your home and that means you’ll get more exposure. Looking for homes online is the primary way people search for homes today and if you don’t have the ability to promote it via a well-known website, it’s likely that the home simply won’t get the exposure it needs to bring in the right buyer.
Negotiating the right deal is a process that real estate experts have fine-tuned. You will need to plan to negotiate with the buyer and buyer’s agent, home inspectors, and appraisers, just to name a few. If you are unfamiliar in how each of these people work on the various parts of a home sale, it could be confusing for you and you may end up missing something important along the way.
The paperwork involved when buying and selling a home is very complex. There is a lot of legal verbiage as well as intricate clauses and details that many homeowners simply do not have the training to fully understand. Experienced Realtors® can explain what the language means and how it will impact you as the seller.
People may think that they can save money in the long run by selling a home on their own. But in fact, many buyers rely on a “buyer’s agent” and you often will end up paying them for their services. This means you are unrepresented by someone with expertise, while the buyer has that advantage. However, an experienced real estate agent could end up helping you get more money for your property when everything is said and done.
Before you decide to sell your home on your own, talk to us about what we can offer you. We bring years of industry expertise in real estate negotiations in addition to helping answer the abundance of questions that come up during the process of selling a home. We are glad help you start the process of putting your home on the market so you can sell it as quickly as possible and move on to your next place in a new home. We are glad to help you with the information you need to start your adventure, so contact us today!
The winter season is often known as a difficult time to sell a home. While the weather might be colder and it might not be as convenient to move during the colder winter months, selling your home during this time isn’t impossible. Here are some helpful tips for putting your home on the market during the winter.
#1: Capitalize on curb appeal.
Trees have lost their leaves and things aren’t blooming as much during the winter, but that doesn’t mean you can’t maintain some great curb appeal on your home. Touch up the paint on the exterior of your home, make sure gutters are cleaned out, and remove leaves or fallen branches. Purchase some pots that you can pot some plants in that could be set near your door and withstand the wet and cold weather. Make sure everything is swept off walkways and lights are on outside during dark house showings so people can see the exterior of the house well.
#2: Work with an experienced Realtor®.
Real estate agents work hard all year long and will work to get your house sold during the winter. We have more than two decades of expertise helping clients of all kinds finding a home that fits their unique home-buying requirements. We are glad to talk to you about your budget, the size and style of house you are looking for, and then find some great homes that are on the market. This will help make your home search process more efficient.
#3: Make your home warm and inviting.
Searching for houses in the cold weather is hard work! Make your home feel warm, cozy and inviting during each showing, by making sure the heat and lights are on, as well as having some relaxing music and comforting, mild scents around the house. By encouraging prospective buyers to spend more time in the home, you are giving them more opportunity to picture themselves living there!
As Realtors®, we can help you start the process of getting your home listed for sale, then help get it listed so you can sell it as quickly as possible and move on to your next place in a new home. We are glad to help you with the information you need to start your adventure, so contact us today!
Owning a home requires paying for home repairs and improvements every so often. Major renovation projects, however, will take some more planning and preparation. It is very easy to go over budget on home remodeling plans, so here are some tips on how to curtail the spending but still get the updates you want.
#1: Take time to plan.
As a homeowner, there is almost always a to-do list of things that you want to complete on your home. Make a list of some of the most important things that you want changed and start doing some research on how much it will cost to change them. For example, if your windows and doors are old and inefficient, get quotes on how much it will cost to replace them and do some calculating on how this can end up saving you money in the long term on utility bills. Or, determine if your kitchen needs a full remodel and how that will impact the value of your home, or if just replacing or refinishing the cabinets will do the job. If you have a detailed plan with a specific budget set aside for it, the less chance you have on overspending.
#2: Figure out what you can do yourself.
Do-it-yourself home improvements are very desirable for many homeowners, simply because of the significant amount of money that can be saved. However, it’s important to know your limits. If you end up messing up something that you thought you could do yourself, then you might end up having to call a professional to fix it. This could cost you a lot more in the long run. Be sure to pick home improvement projects that are within your skill set and expertise and anything outside of that, hire a reputable company or contractor.
#3: Do your research.
If you want to pay a professional to undertake your home improvement projects, be vigilant on your research. Take time to read online reviews, ask questions, get details on how they intend to complete the job, and make sure you have a written estimate in hand. If you are not sure where to start, I am glad to help provide references of reputable places and people that are good to work with.
Home repairs and renovations are inevitable at some point. Make sure you have a plan of action, so you can stay on track with your budget. In the end, you will have a space to come home to that is exactly how you envisioned it. Or, if you have decided that it is time to move on and find a new home that better suits your specific needs, I am ready to help get the process started! As a Realtor®, I can help get your current home listed and sold and can help you find your next home. Contact me today so you can get the information you need to start your adventure.
Moving is a very busy time that involves coordinating a lot of details but relocating to a new city entirely adds another layer of research and planning. If you’re planning relocating to Clark County, give me a call. I can provide a lot of background information to support the following step by step guide, so you are ready to get settled into this beautiful part of the Pacific Northwest.
Step #1: Schedule a time to visit the area.
If you’re planning on a move to Clark County, set aside a time to visit the area and do some exploring. This will allow you to get familiar with where things are and what activities and amenities exist. It will also give you a chance to drive around and get a feel for what living areas might suit you best.
Step #2: Start researching Clark County neighborhoods.
Whether you love being in the middle of city living, or you are looking for something more rural so you can be closer to country life, the first step in your search is to find an area of town that is accessible to the things that are important to you. Research what places are close to public transportation, grocery stores, restaurants, activities, or hospitals. If you plan on commuting to work, determine which neighborhoods are closest and if you telecommute, be sure you know how you’ll get that done in your new location. Next, look for neighborhoods that demonstrate pride of ownership, so you can ensure that you’re in a place where homes are well taken care of and neighbors look out for one another. Not sure where to begin? I can help take you with a tour of some neighborhoods that can fit your specific request.
Step #3: Start home search.
Knowledgeable real estate agents can help you find the right home that fits your specific needs and desires. I have more than two decades of experience helping clients of all kinds helping find a home that fits their unique requirements. I am happy to sit down and talk to you about your budget, the type and size of house you prefer, and help you narrow down some options to make your search more efficient and less stressful.
Step #4: Get pre-approved.
If you’re planning on purchasing a home in Clark County, it’s important to talk to a mortgage professional early in the planning process. This gives you a clear idea of what you can afford to buy and will help you determine which loan is right for your situation. I am happy direct you to reliable companies and individuals that work in the mortgage industry to help get you started.
Relocating can be an exciting process and doing some planning ahead of time can help make the moving process go smoothly. As a Realtor®, I can help you start the process and can provide tips before, during and after your relocation. I am glad to help you with the information you need to start your adventure.
There are a lot of real estate terms out there. The good thing is: you don’t need to know them all! There are a few important terms, however, that every homeowner or potential homeowner should understand. Here, I will break down some of the most essential real estate terms.
Appraisal and appraisal fee:
The appraisal fee is a one-time fee that’s paid for the lender’s appraisal of the property. The home needs to appraise at the price the home is being listed at, in order for the bank to finance the loan.
Fixed rate vs. adjustable rate:
When you take out a loan on a property, a fixed rate mortgage will give you a mortgage rate that is set right when you take out the loan. Fixed rate mortgages won’t change. Adjustable rates, otherwise known as ARMs, generally start out at lower interest rates, but they can rise – the rates can go up and down throughout the life of the loan.
Your loan amount is the total purchase price, minus the down payment amount that you choose to put down. The loan amount can be spread out over 15, 20, or 30 years.
PMI, otherwise known as Private Mortgage Insurance, is insurance for the lender to help cover potential losses if the borrower stops making payments on the loan. It’s usually required when your down payment is less than 20% of the purchase price of the home.
Ready to get your real estate journey started? Contact me to start a conversation about what it takes to purchase or sell a home. I’ve been helping clients of all kinds for more than two decades. As a Realtor®, I can help you start the process, help answer questions on any terms that you need clarification on and can provide helpful tips along the way. I am glad to help you with the information you need to start your adventure.
If you have decided to make the leap into home ownership, chances are, you’re thinking a lot about your down payment and what you will need to have saved for it. When you look at the funding needed and break it down into small pieces to see what actions you can take to increase it, you will likely be able to save more than you initially thought. Here are some helpful ways that can help you bulk up your down payment amount.
Know what you need.
Oftentimes, people hear that you’ll need a 20% or higher down payment, but there are other options that allow you to put less down. Lenders don’t generally require 20% down, but rather can structure your down payment to meet your needs, considering that if you put less down, you’ll have a higher payment—both in principal and interest, as well as potential mortgage insurance which protects the lender if you default on the loan at any time. When it comes time to talk to a mortgage professional about your down payment, talk to them about low down payment options that could include FHA loans or VA loans for eligible veterans or active duty military. Most lenders will be happy to sit down and help you look at the info for your total down payment amount, which can then give you a solid goal.
Get creative with saving.
If you get a raise or a bonus at work, or you get money as a gift from a parent or other family member for a holiday or birthday, don’t spend it and instead put it straight into your down payment fund. If you pay off your car, resist the urge to go out and buy a new one with a monthly payment and instead use that money for your house savings. Another helpful idea is to set up an automatic transfer from your checking account into your savings on the same day each month. This is not only convenient and save you the time of manually entering the transfer, but it may make it a little easier to save, too.
If you’re ready to start a conversation about what it takes to purchase a home, contact me. I’ve been helping clients of all kinds for more than two decades. As a Realtor®, I can help you start the process and can provide tips along the way. I am glad to help you with the information you need to start your adventure.
Buying a home is a dream come true for many people and the longer you live in it, the more opportunity you have to build equity. Equity is the difference between what the home’s market value is versus what you owe on it and with each house payment you make, the more equity you gain. Also as your home’s value starts to increase your equity also grows. If you’re looking for additional ways to improve equity in your home, here are a couple of ideas.
#1: Large down payment.
When you’re ready to buy a home, you can get a head start right at the get-go, by making a large down payment. Putting down 20% or more of the property’s value is a great way to not only add instant equity, but it can also keep your house payment lower and it will also allow you to avoid paying private mortgage insurance each month which doesn’t insure you but rather insures the lender against a possible loss.
#2: Shorter mortgage terms.
It’s very common for homeowners to take out 30-year loans on their home, but if you can swing refinancing your home to a 15-year mortgage, you will be able to pile on the equity and help pay off the loan quicker. Your monthly payments will be higher, but the payoff can be significant when your mortgage is paid off in half of the time. If you can’t swing the refinance to a 15-year mortgage, consider paying a little more on the principal of your loan with your payment each month or make one or two extra payments a year and apply it toward the principal. This can help you pay off the loan sooner and will help bolster equity over time.
#3: Home renovations.
There are some remodeling and home improvement projects that can help increase the value of your home and boost the equity. Replacing windows and doors, adding attic insulation, and completing a kitchen or bathroom remodel can all help with increased property value and greater home equity. There are certain home projects that do not add as much value. If you’re not sure, I’m glad to provide advice on which to-dos reap the most return.
If you’re ready to explore the option of buying or selling a home, contact me. I’ve been helping clients of all kinds for more than two decades. As a Realtor®, I can help you start the process and can provide tips along the way. I am glad to help you with the information you need to start your adventure.
When it comes to buying a home, finding one in the right neighborhood is one of the most important considerations to keep in mind. Living in the area you want, in the home you want is the recipe for being a satisfied home buyer, giving you what it takes to live there for many years to come. Here are three main factors that make a great neighborhood.
Even for people that do not have kids in the school system, it’s important to know what your neighborhood schools are like. Quality schools ensure that good families want to move to that specific area, which will help increase the value of your property. Southwest Washington public schools are among some of the best in the state. Each school district employs high-ranking, award winning teachers, administrators, and support staff. Our primary districts are:
- Vancouver School District
- Battle Ground School District
- Camas School District
- Washougal School District
- Evergreen School District
- Ridgefield School District
- La Center School District
Whether you’re a city person or someone who wants to be surrounded by forested areas in the country, making sure your home is accessible to the things you want is key. Research what places are nearby for public transportation, grocery stores, restaurants, activities, or hospitals. Consider what parks and other green spaces are around and factor in how long you will need to commute to work in your new neighborhood. If you telecommute, be sure you know how you’ll get that done in your new location. All of these are important questions to figure out answers to, so you can be sure you’re spending time at home rather than in your car traveling a long way to the places you need to be.
#3: Pride in ownership.
When you find a neighborhood that demonstrates pride in ownership, it’s obvious. Residents that keep their homes and yards maintained well will generally also value in the neighborhood and the neighbors they meet. A great neighborhood has neighbors that look out for each other, bringing them together for the betterment of the neighborhood as a whole.
If you want to explore the option of buying a home, contact me. I’ve been helping customers of all kinds for more than two decades. As a Realtor®, I can help you start the process and can provide tips along the way. I am glad to help you with the information you need to start your adventure.
Fall in the Pacific Northwest is stunning. The leaves are already starting to change, the mornings are crisper, and the sun is starting to set earlier. Autumn is the perfect time to cross off some things on your home maintenance checklist, that may seem small but can make a big difference in the long run. Here are some important things you can do to get your home ready for the change of season.
#1: Get the gutters prepped.
Autumn in the Northwest brings a fair share of rain, so that means your gutters are going to need to kick into overtime soon. Your roof will drain thousands of gallons of water from the exterior over its lifetime, and in order to keep that process flowing, your gutters need to be cleaned out regularly. Clogged gutters not only disrupt the flow of water, but they could also lead to damage on your foundation or leakage in your basement. Before the rainy season starts and leaves start falling, be sure to get your gutters cleaned, either by doing it yourself or by hiring a professional gutter cleaning service.
#2: Get leaks sealed.
If you have leaky windows or doors, be sure to seal them with proper caulking before cold, windy days settle in. Weather stripping is an easy and cost-efficient way to reduce your heating and cooling costs, all year long because they can reduce drafts and keep warm air inside where it should be on those chilly fall days. If you have already sealed the areas around your windows and doors and you are still noticing drafts because your windows and doors are old and inefficient, it may be time to consider replacing those items in your home. New windows and doors will not only be energy efficient and reduce noise, but they will also add value and curb appeal to your home should you choose to sell it later down the road.
#3: Review safety procedures.
It’s a great idea to check safety products around your home as well as review safety procedures you have in place. Replace batteries in carbon monoxide and smoke detectors, be sure you have fire extinguishers on each level of your home, and then review your fire escape plan to ensure that you have an exit path should a fire occur in your home. Be sure that your windows aren’t blocked with furniture and have rope ladders available in rooms that are on the upper level.
Part of being a homeowner means staying on top of home maintenance to-dos. Keeping your home maintained well will keep it in great working order no matter what kind of weather happens outside during this year’s fall season. Ready to start your adventure in home buying or are you ready to sell your home this fall? I’ve been helping customers of all kinds for more than two decades. As a Realtor®, I can help you start the buying or selling process and can provide tips along the way. I love working with people around Clark County and am glad to help you with the information you need.
September is here, and school will be in session soon. Once the kids are back in school all day, it’s a great time to dive into an organization project for your home, getting everything back to the right place after the busy summer. Keeping your house organized with clutter minimized will keep you feeling on top of things and ready to launch the school year with success. Here are some helpful back to school organization tips.
#1: Get rid of clutter.
Summer water toys, summer clothes, and other items that have accumulated during your summer of fun need to be stored somewhere safe, so you can access them next year. Invest in some large plastic bins and a label maker so you can keep everything easy to find later. If there are items that you won’t use again, make a pile to donate or sell online.
#2: Get the calendar in order.
Managing the calendar each month can get hectic, especially for people that are juggling work during the day, work projects on the weekend, back to school nights, sports practice, or music lessons. Keeping your calendar organized will help make everyone’s life run more smoothly. Consider investing in a family chalkboard that can be put in a central location of your home where everyone can see what’s happening that day or for the upcoming week.
Once the clutter is cleared out, it’s a great time to clean. Start from the top to the bottom, dusting cobwebs out of the ceiling. Save mopping or vacuuming the floors for last, as dust and debris from the top will travel downward. To stay on top of cleanliness throughout the year, consider investing in a cleaning service to come once or twice a month. That can help take the pressure off to keep everything clean and you can focus on after school activities instead.
If you have cleaned and organized everything and you’ve realized that there just simply isn’t enough space in your home and you want to explore the option of selling your home and finding something that fits your needs better, contact me. I’ve been helping customers of all kinds for more than two decades. As a Realtor®, I can help you start the process and can provide tips along the way. I love working with people around Clark County and am glad to help you with the information you need to start your adventure.