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Tips for Sellers Understanding Closing Costs as a Seller Understanding Closing Costs as a Seller Sellers often focus on their home’s sale price, but closing costs can significantly impact net proceeds. Here are common expenses: Agent Commissions – Typically 5-6% of the sale price, split between your agent and the buyer’s agent. Title & Escrow Fees – Costs for managing the transaction, title insurance, […]
Tips for Sellers What to Expect From a Home Inspection as a Seller What to Expect From a Home Inspection as a Seller A home inspection is a common part of the sales process-and a moment that can cause anxiety for many sellers. Here’s what to expect: Buyers Hire the Inspector – Once under contract, the buyer schedules and pays for a licensed inspector. Inspection Takes 2-4 Hours […]
Tips for Sellers Why Overpricing Can Hurt Your Sale Why Overpricing Can Hurt Your Sale Overpricing may seem like a way to leave room for negotiation, but it often backfires. Here’s why: Fewer Showings – Buyers search by price range. If your home is priced too high, it may not even appear in their searches. Longer Time on Market – The longer a home […]
Tips for Sellers Small Upgrades That Add Big Value Before You Sell Small Upgrades That Add Big Value Before You Sell Paint – A fresh coat of neutral paint instantly modernizes and refreshes your space. Hardware Swap – Update cabinet handles, doorknobs, and light fixtures for a more contemporary look. Bathroom Boost – Replace old mirrors, add new faucets, or install a new vanity light for a […]
Mortgage Information Refinancing 101: When It Makes Sense to Refinance Your Mortgage Refinancing 101: When It Makes Sense to Refinance Your Mortgage Refinancing means replacing your current mortgage with a new one-ideally with a lower rate or better terms. It can: Reduce your monthly payment Shorten your loan term Eliminate PMI Tap into home equity (cash-out refinance) 📉 Refinancing usually makes sense when: You can lower your […]
Mortgage Information Common Mortgage Mistakes Buyers Make Common Mortgage Mistakes Buyers Make Even with pre-approval, your loan isn’t locked in until closing. Here are a few mortgage mistakes that can derail your home purchase: 🚫 Opening new credit accounts (like a furniture or car loan)🚫 Making large cash deposits without documentation🚫 Changing jobs (especially to self-employment!)🚫 Missing payments or maxing out credit […]
Mortgage Information Why Your Interest Rate Isn’t the Whole Story Why Your Interest Rate Isn’t the Whole Story You found a great interest rate-but don’t sign just yet! Look at the APR (Annual Percentage Rate), which includes: The interest rate Loan origination fees Points Mortgage insurance Other closing costs A loan with a lower interest rate might have higher fees, so the APR gives you […]
Mortgage Information What Is PMI and How Can You Avoid It? What Is PMI and How Can You Avoid It? PMI, or Private Mortgage Insurance, is typically required when your down payment is less than 20%. It protects the lender-not you-if you stop making payments. PMI can cost between 0.3%-1.5% of your loan annually, added to your monthly mortgage bill. 💡 How to avoid or eliminate […]
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Title and Escrow ⚠️ Common Title Issues That Can Delay Your Closing ⚠️ Common Title Issues That Can Delay Your Closing Even if a home looks perfect on the outside, issues with the title can cause major closing delays-or even stop the sale completely. Some common problems include: Liens or unpaid property taxes Errors in public records (wrong names, incorrect legal descriptions) Boundary disputes or unrecorded easements […]
Title and Escrow 🕰️ The History of Escrow and Title Insurance—And Why It Still Matters 🕰️ THE HISTORY OF ESCROW AND TITLE INSURANCE – AND WHY IT STILL MATTERS Escrow and title insurance both emerged to solve an old problem: how do you safely transfer property from one person to another? In the early 1900s, buyers often purchased homes without knowing whether the seller truly had legal ownership-or if the […]
Title and Escrow 🔒 Wire Fraud in Real Estate: How to Protect Yourself During Closing 🔒 WIRE FRAUD IN REAL ESTATE: HOW TO PROTEXT YOURSELF DURING CLOSING Real estate wire fraud is on the rise, with scammers intercepting or impersonating escrow instructions to steal large sums of money-often a buyer’s entire down payment. Protect yourself with these steps: Always verify wiring instructions by phone-call your escrow officer at a known […]
Homeowner Information 🌧️ Mold and Moisture: How to Prevent Long-Term Damage 🌧️ MOLD & MOISTURE: HOW TO PREVENT LONG TERM DAMAGE Mold thrives in damp, poorly ventilated areas-and once it takes hold, it can be hard (and costly) to get rid of. Watch for early signs: Musty smells Discolored spots on ceilings or walls Condensation on windows Persistent allergy symptoms Prevent it with these tips: Run […]
Homeowner Information ⚡ What Is an Energy Score and Why Should You Care? ⚡WHAT IS AN ENERGY SCORE AND WHY SHOULD YOU CARE? An energy score is like a report card for your home’s energy efficiency. It rates how much energy your home uses compared to similar properties-and how you can improve it. Why it matters: Helps buyers compare long-term costs Shows you where to save money (think: […]
Homeowner Information 🧾 Do You Need a Permit for That? Home Projects That Require Approval 🧾 DO YOU NEED A PERMIT FOR THAT? HOME PROJECTS THAT REQUIRE APPROVAL Planning a home improvement project? Before you grab a hammer, know that many upgrades require permits-even if you’re doing the work yourself. Typically requires a permit: Adding or removing walls Electrical or plumbing updates Installing a new deck, water heater, or furnace […]
Homeowner Information 🛠️ How to Extend the Life of Your Roof, HVAC, and Appliances 🛠️ HOW TO EXTEND THE LIFE OF YOUR ROOF, HVAC, APPLIANCES Routine maintenance can add years to your home’s biggest investments-and save you from expensive surprises. Roof: Clean gutters twice a year Check for missing shingles after storms Remove moss or algae build-up with safe treatments HVAC: Replace filters every 1-3 months Schedule professional servicing […]
Buying 📅 When Should You Buy? A Seasonal Breakdown 📅 WHEN SHOULD YOU BUY? A SEASONAL BREAKDOWN Wondering if timing really matters? Here’s how the seasons stack up when buying a home: Spring: Most inventory hits the market, but so do more buyers-expect more competition. Summer: Still busy, especially for families wanting to move before the new school year. Fall: Inventory starts to slow, […]
Buying 🔍 Why You Shouldn’t Skip the Home Inspection 🔍 WHY YOU SHOULDN’T SKIP THE HOME INSPECTION In a hot market, it might be tempting to waive your inspection to compete-but doing so comes with big risks. Inspections help uncover hidden issues like: Roof damage or leaks Faulty wiring or plumbing Foundation cracks or structural problems Pest infestations or mold If you feel pressured […]
Buying 📍 How to Choose the Right Neighborhood for Your Lifestyle 📍 HOW TO CHOOSE THE RIGHT NEIGHBORHOOD FOR YOUR LIFESTYLE Buying the right home means more than just square footage-it’s about where you live, too. Consider these factors when evaluating neighborhoods: Commute time: Try driving it during rush hour to get the real feel School district: Even if you don’t have kids, it can impact […]
Buying 💳 How to Improve Your Credit Before Buying a Home 💳 HOW TO IMPROVE YOUR CREDIT BEFORE BUYING A HOME Your credit score plays a major role in the interest rate you’ll receive on your mortgage-so improving it before you buy can save you thousands. Try these quick wins: Pay down credit card balances (ideally to under 30% of your limit) Avoid opening new credit […]
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