Monthly Archives: July 2021

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29 07, 2021

Financial Tips to Consider Before Buying a Home

July 29th, 2021|Buying a home|

 

 

 

 

 

 

Buying a home can be intimidating, especially in today’s highly competitive market. Needless to say, the first step to making any major purchase is getting your financial situation is in order. Still, many homebuyers get in over their heads by ignoring important financial considerations.

With a little preparation, you can avoid unnecessary headaches and ensure your homebuying process is as smooth as possible. Here are a few things to consider before buying a home.

Credit is Key

Having a strong credit score is an important factor in securing a mortgage. Learn your score (usually available for free on your banking app or any number of online credit-tracking site) and secure a credit report to discover any potential red flags in your credit history before they become an obstacle in your homebuying journey.

Get Your Documents in Order

After making sure your credit situation is where it should be, you’ll need to gather all the necessary documents before talking to a lender. Organize previous years’ tax returns, bank statements, pay stubs, and any statements showing your debt together in one place. Having your financial documents organized ahead of time will help streamline the homebuying process.

Have a Down Payment Ready

You’re probably already aware that the down payment is an essential first-step toward buying a home. Still, many may enter into the process without fully considering the importance of the down payment. Since the financial crisis of 2008, lenders are more wary about issuing mortgages to applicants who don’t have some financial skin in the game. While every situation is unique, saving toward a sizeable down payment (at least 20% of the overall value of the home) can only help your chances of securing a home loan.

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15 07, 2021

Tips to Stage Your Home for a Quick Sale

July 15th, 2021|Tips & Advice|

 

 

 

 

 

 

 

 

Staging your home prior to sale is a crucial for impressing potential buyers. Though it may be a sellers’ market at the moment, that doesn’t mean you should take you home’s presentation for granted. With the proper dressing, your home will wow top buyers and could even command a higher asking price. Here are some tips to help ensure a quick and easy sale through thoughtful staging.

Curb Appeal

Your home’s exterior is the first thing prospective homebuyers will notice when they arrive at your property. From tidy landscaping to creative exterior design, there’s so much you can do to attract a buyer before they ever set foot inside your home. Catch up on our recommendations for making the most of your home’s curb appeal to help your outdoor spaces shine.

Clean, Clean, Clean

With curb appeal accounted for, the next obvious step in the staging process is to clean your house. While cleaning, imagine you’re preparing for a visit from an important figure such as a religious leader or a foreign dignitary—then clean some more. To truly prepare your home for a showing, your space should be cleaner than it has ever been while you were living in it. Spend time in every room, leaving no corner un-scrubbed.

Repair, Patch, Restore

With your home cleaner than it’s ever been, you can move on to tackling necessary repairs. If you’ve been in the space for a while there are sure to be a few nicks and gouges to address. Patch up those holes in the drywall, fix the dripping faucet, and tighten down those loose cabinet handles. Prospective buyers want to know the home they’re considering is in tip-top shape, so taking care of minor flaws now could translate to big bucks when closing.

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