There are many milestones in life – completing college, getting married, celebrating a big birthday, and becoming a parent are just some of the “big” things that happen in life. One of the other monumental things that happens for many individuals and families is buying a home. Becoming a homeowner is exciting and it comes with several benefits. If you are considering what it will take to buy a home, consider some of these benefits to factor into your decision.
#1: Buying a home gives you a chance to put your unique stamp on something.
Your home is uniquely yours. You can customize it according to your one-of-a-kind personality and style. Decorating it, designing it, and keeping it well-maintained will help keep you happy.
#2: Buying a home means you are a part of a neighborhood.
When you buy a home, you become a part of the neighborhood as a whole. Establishing a strong connection with neighbors, neighborhood associations, and the overall city means that you get to build a sense of belonging as an individual and even for the friends and family that visit your home.
#3: Buying a home is an investment for the future.
Homes on average appreciate annually, which is an automatic investment for your future. Each month builds equity and you can use that equity if needed to remodel your home, pay off other debt, send kids to college, or put down on another home that you can use as a vacation spot or as a rental.
#4: Buying a home gives you stability.
A fixed mortgage payment gives you the stability you need to live your life without surprises. You won’t need to worry about increasing rent prices and you will have the opportunity to save for future house projects that will add value and curb appeal to your home.
Buying a home is a worthwhile decision that offers both personal and financial benefits. If owning a home is part of your dream, we can help you with the process and all the details that go along with it! Whether it’s your first time buying a home, or you have bought and sold one before, we are experienced in helping buyers of all kinds find a home as quickly and stress-free as possible. Contact us today to get started! We look forward to talking to you.
The process of selling a home can be stressful and cause anxiety for many people. While it does involve a lot of moving parts, selling your home doesn’t have to be all consuming. Here are some important tips to reduce stress while selling your home.
Tip #1: Get rid of clutter.
Most homeowners need to get rid of a few things before they move. Before you list your home, declutter as much as possible. This can make your house look cleaner and even bigger, and it will make things easier when you move. The fewer things you have to clean and put away for house showings, the better!
Tip #2: Choose the right agent.
An experienced agent is your advocate throughout the selling process and should be there to help answer questions or clarify things that may be keeping you awake at night. We are experienced Realtors® that have walked hundreds of clients through the selling process. No matter what, we are there to make the selling process as easy and wrinkle-free as possible.
Tip #3: Stay flexible.
Setting expectations is a good thing but be sure to build in a little wiggle room on those expectations, too. For example, don’t get ahead of yourself and hope to sell your house within days of listing it. Putting parameters on the whole process can end up being frustrating in the long run. Stay flexible in order to reduce your stress level.
Tip #4: Keep clean.
Once your house goes on the market, showings can happen quickly. Maybe you’re at work or you’ve headed out to do some errands and you get a call that someone wants to see the house in an hour. If you keep your house clean before you leave, you won’t be as stressed about showings on short notice. Stay on top of the dishes, keep the laundry put away, and make sure the floors and bathrooms are cleaned. Get everyone in the household on board in on this so it isn’t overwhelming!
Ready to sell your home? We will help offer tips on getting your home on the market and will walk you through the process along the way. We are experienced in helping sellers of all kinds sell their homes as stress free as possible. Contact us today to get the process started! We look forward to talking to you.
Winter is a time where many people stay inside and avoid contact with the bitterly cold weather as much as possible and for this reason, it’s common to see fewer real estate listings during these months. With the first day of spring just four weeks away, buyers are starting to think more about getting out there to look at homes. That means if you’re a seller, now is a great time to consider getting things in order to list your home. Getting your home on the market during the early spring can be advantageous. Here’s how.
Waiting for late spring when home listings start coming on the market quickly and inventory starts increasing simply means that you as the seller will have more competition with other homes that are on the market at the same time. Get your house listed before the rush and you could have greater opportunity for more showings & more exposure.
#2: Peace of mind.
If you know that you need to list your house soon, there are details that you’re likely thinking over in your head. By listing your home at the beginning of springtime, you won’t need to wait with any uncertainty or stress to get your questions answered on some of the details that you may be unsure about. Over the years, we have seen many different types of real estate scenarios and that gives us the tools and expertise to help explain anything that you may have questions or concerns about.
#3: Serious buyers.
When the days get longer and spring has sprung, more and more people start visiting open houses or schedule home showings. Early spring can bring serious buyers. That means you are more likely to get an offer on your home and catapult you into your next adventure in your new house.
Ready to get your home listed for sale? We will help get your home on the market! We’ll also assist you in finding a new place that allows you to start living in the home and area that you have in mind. Contact us today to get the process started! We look forward to talking to you.
Buying a home is one of the largest purchases you can make during your lifetime and for many people, it can cause a little bit of apprehension at first. For first time home buyers, there are many unknowns and many questions to be asked: what can I afford? What neighborhood should I live in? What will my property taxes look like? Is buying a home a worthwhile investment? These are just some of the thoughts that can happen throughout the home buying process. We’re here to help answer these questions and make sure you feel ready and excited to start your journey to buying the home you’ve always wanted. Here are some ways to take the uncertainty out of home ownership.
#1: Know what you can afford.
Before you start shopping for a home, talk to an experienced lender to find out what you can afford. They will sit down and talk to you about your income, debt or other financial obligations, and any other factors that will provide the information they need to give you a pre-approval letter with the amount that you can spend. Remember, even though you are given a set price, you don’t have to spend to the limit. If you use your full pre-approved amount, your monthly payment will be higher, and you will need to determine if that is something that you are willing to take on.
#2: Ask questions.
There is no doubt about it – the home buying process can be overwhelming at times. There are a lot of different steps involved and stacks of papers that need to be explained and signed. If there is anything along the way that confuses you, don’t ignore it. Ask questions so you can be sure you fully understand what is going on. This will help take some of the uncertainty out of the future for you. Our team has years of experience with real estate transactions and know the inner-workings of the process of buying a home. If there is anything you are unsure of, we are glad to explain it to you.
#3: Be flexible.
When you start shopping for a home, it can easily become an emotional process. You may feel a sense of urgency to purchase a home before interest rates climb, which can cause you to feel stress, and when combined with finding a house that you really love, it can be difficult to be flexible. While emotions are good to an extent, it’s important to factor a sense of flexibility into the process, too. Understand that you may not get the first home that you fall in love with, and you may need to be flexible in marching onward to find a different house. Talk to us about your feelings along the way and we can help keep reality at the forefront of your home search.
Buying a home is an exciting time. Not only does it mean you get to make an investment that will likely reap great rewards for your future, but it will also allow you to find a place that you can put down roots and enjoy for many years to come. If you are ready to set out on the path toward home ownership, contact us today to get started!
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!
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.
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.
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.