Buying

Buying THE DIFFERENT TYPES OF CARPET Carpet. What separates us from the animals. There’s an aura of civilized living to a carpeted room. A warmth. Though wood-flooring maybe have become a more popular flooring option, you still probably prefer carpet in certain rooms like a bedroom or personal office. It’s just cozier. But not all carpets are the same. Going from […]
Buying YOUR FINAL WALK-THROUGH CHECKLIST After over a year and half of looking, we found it! We found the home that we love, made an offer and the offer was accepted. Next came the inspections and appraisal…check and check. Our final to-do before closing is the final walk through. I understand that the goal of the walk through is to […]
Buying How to buy and sell a home at the same time   We all believe buying a home for the first time is the hardest thing until we have to buy and sell at the same time! If you’re looking to graduate from first-timer to repeat buyer, you know things are about to get much trickier. Unless you’re a bona fide house collector, you’ll have to sell your home […]
Buying 5 REASONS TO TALK TO A LENDER RIGHT NOW – LONG BEFORE YOU BUY A HOME Most potential home buyers wait to talk to a mortgage lender until they’re ready to buy. Makes sense, right? Why bother digging up your financial statements and filling out a bunch of paperwork if you’re not going to buy right away? If buying a home is one of your long-term goals, you may be doing yourself a […]
Buying 13 VISUAL TRICKS HOME STAGERS ARE PLAYING ON YOU In today’s ultracompetitive real estate market, it’s said that potential buyers make up their minds within seconds of stepping inside a home. That’s why an ever-growing number of sellers turn to professional home stagers—whose services, some say, can add instant appeal and even sell a house up to 40 days faster. Their secret? An arsenal […]
Buying WHAT TO CONSIDER WHEN DECIDING WHERE TO LIVE   Moving is always a stressful venture, what makes it even more so is when you don’t know where you’re going to live. There are plenty of things you can take into consideration when deciding this. Education systems, climate, taxes, crime rates, food options, town size, and employment opportunities are all excellent examples of this. […]
Buying What’s included in a mortgage payment? If you’re buying your first home, it might seem like going from paying rent to paying a mortgage is merely switching out one monthly bill for another. But rents and mortgages differ on a couple of levels. For one, mortgage payments contribute to your stake in the home. The more payments you make, the more […]
Buying 8 Important Summer Home Improvement Tasks           Maintain your refrigerator To keep your refrigerator running efficiently in these hot months, you’ll want to vacuum and clean the condenser coils, defrost the freezer, and clean the seals around the door. Keep expanding wood from causing cracks Inspect the seals around your windows, roof, door frames, vents, ducts, and […]
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Buying DON’T LET HOME BUYING FEARS STOP YOU FROM HOMEOWNERSHIP When buying your first home, there is a lot of new information you’re going to have to start diving into. This doesn’t mean that you are making poor decisions or that you can’t be educated on the subject, every homeowner has been in that position at some point in their lives! The important thing to […]
Buying Tax Exemptions Other than how and when to make your mortgage payment, this is the most important step to closing on your home   About 45 days after closing, you will receive a reminder from Lori and Lindsay to file your exemptions. While you can do this online, we highly recommend that you go to your county auditors […]
Buying Finishing Up All moved in, but now you have more questions… give us a call! Just because you’ve closed on your home doesn’t mean you’re getting rid of us. Lori and Lindsay will continue to provide you with the best possible service throughout the time you own your home. We can help with recommendations for contractors, give […]
Buying Closing Time! Congratulations, it’s time to close on your new home! The closing time and location will be provided to you, by your realtor, a few days (or sooner if need be) in advance. At closing, you will need to bring your drivers license. Any other required documents will be provided by your title company, realtor or […]
Buying Final Walk Thru Before closing, you and your realtor will do a final walk thru of the property. Ideally, this will happen as close to closing as possible. This allows you and your realtor to confirm everything is as it should be. You want to make sure there are no surprises before going to the closing table. It […]
Buying Cleared to Close? You’ve stayed in touch with your lender throughout the homebuying process. You didn’t open any new lines of credit. You didn’t close any accounts. Now that the process is winding down, it’s time to finalize your loan. At least three days prior to closing, you will receive your closing disclosure from your lender. This means […]
Buying Set Up Utilities Before closing, you will want to call your utility companies and get them switched from the seller’s name to your name. As applicable, you will want to make sure electric, gas, water, trash and sewer are all taken care of. Some of these might be through one company, some of these you can do online, […]
Buying Hire Movers and Start Packing Don’t wait until the last minute to hire your movers or reserve your moving truck. There are limited resources and depending on the season, they could be very busy. The last thing anyone wants is for you to be stressed out and stuck in a jam on moving day! Packing will inevitably take longer than […]
Buying Appraisal Now it’s time for your lender to order the appraisal.  You may be wondering what purpose the appraisal serves… you’re not the only one. To make a long story short, your lender orders the appraisal to ensure your home is worth the amount of the loan. You will pay for the appraisal, but you do […]
Buying Preparing Your Inspection Response After the inspection, you and your realtor will both review the inspection report. You will then work together to prepare your inspection response. In the response you will ask for items that you would like to seller to take care of prior to closing. Don’t forget, this is another point of negotiation throughout the homebuying […]
Buying Attending Your Home Inspection As soon as your purchase agreement was accepted, you were on the phone, scheduling your home inspection with one of our trusted referrals. Now the time has come to attend the inspection – what should you do? First, and most important, you should plan on attending your home inspection. The inspection will take approximately 3 […]
Buying Don’t Spend Extra Money Your preapproval was granted based on the information provided to your lender at that time. This includes your credit, debt, bank account balance, etc. If you’re buying a lake house and decide you want to go ahead and purchase a boat before closing, this could affect your ratios and jeopardize your mortgage approval. Have a […]