Monthly Archives: December 2016

//December
15 12, 2016

Buying in 2017: Be Prepared

December 15th, 2016|Blog, Buying a home, Home Finances, Tips & Advice|

Are you planning to buy a home in 2017? If so, you have probably already taken a couple steps to prepare. If you haven’t, that is okay too! We are going to discuss a few things that you can be doing now to get ready to buy a home. There is plenty to do to keep busy!

  1. Check your credit score. A credit score is a number that represents your credit report. FICO scores range from 300 to 850 and the higher the score the better. The better the credit score, the better the chances are that you will get a lower mortgage rate. If you credit score is not where you would like it to be, then start repairing it. Pay bills on time, limit unnecessary purchases, do anything you can financially to make sure you pay your credit card bill on time or even over pay it.
  2. Don’t open new credit cards. The holidays are tempting time for credit card holders. Almost every time you step up to check out at a store, someone is offering you a credit card. The savings sound great, but opening more accounts create more lines of credit. That credit line and what is borrowed, can change the application numbers and jeopardize your application. Also, don’t over spend during the holiday season and rack up more credit card debt.
  3. Suggest financial gifts. You are going to need to prepare for the down payment and also the closing costs and moving costs that are associated with buying a home. You should also consider setting aside money for unexpected repairs and costs. So instead of getting gifts this holiday season, ask your family to give you cash towards your potential new home. It will help in the long […]
2 12, 2016

Should you take your home off the Market for the Holidays?

December 2nd, 2016|Uncategorized|

For sale sign sign in front of house in the middle of winter with snow on the ground.  Focus is on the sign.  Space on sign for additional copy.

When selling a home, we often think to only sell during the spring and summer months because that is when the most people are often looking. Even though winter and the holidays are not often thought of as the popular time to be selling a home, that does not mean that you should take your home off the market either.

The internet, smartphones, tablets, and the always-on lifestyle that many people live now has ultimately made the home-buying season a yearlong thing. Now you can set up alerts and notifications (sent directly to your phone) for homes in a certain area and price range.

Here are a couple reasons why you should consider listing your home during the holidays – or even in January.

Buyers check listings 24/7

These days, serious buyers are always real estate aware – and the holidays are no exception. People are on their phones constantly. When they are waiting for the bus or bored before bed, they can check listings with the large number of apps and websites that are available right at their fingertips, literally. People cannot step away, they are always on the go, so the same goes for buying a home. They can’t step away from that either.

Less Competition

Despite our always-on lifestyles as talked about above, many sellers still believe buyers stop looking come the middle of November. Or sellers who have had their home on the market for a while, usually take it off to give it a rest. The net effect is that the inventory for good homes often tightens this time of year. There is […]

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