Qualities and Traits that Your Realtor Should Have

Choosing the right realtor is almost as important of decision as choosing the right house checkfor your family.  The difference between the wrong realtor and the right one may be thousands of dollars lost during the sale, months of sitting and waiting for your house to sell, or in extreme cases loss of your home due to financial hardship.  That is why we have compiled a list that we feel that every realtor should strive to achieve and we feel that we meet and surpass many of these requirements.  Our south Madison County market can be a competitive yet exciting market and we feel that with each home sold or bought we are gaining even more experience and insight into what makes a successful real estate agent.

* Reputation: Nothing, not even advertisements, commercials, or signs speak louder than word of mouth reputation.  That is why asking around to your friends and neighbors is a great idea when seeking out an agent.  We feel very confident in our reputation due to our diligence in the process and overall determination to ensure our customers satisfaction.  We encourage you to poll our customers and see their responses!

* Online Presence: I’m sure that this comes as no surprise that real estate methods have changed drastically since the internet has become commonplace.  With that being said we have prided ourselves in staying ahead of the curve when it comes to online advertising, use of social media platforms, staying in the know of current trends, and being fluent in new technology.  All of these help to contribute to the overall success of our team.

* Being Local: When searching for a home in a specific area or town you want your agent to be familiar with not only the homes but the heart of the town.  You want someone who can tell you that this particular street will be closed during parades or that this particular neighborhood has lots of kids, dogs, etc.  Being immersed in the town of Pendleton and all that it has to offer allows us to serve you, our consumer, to the fullest extent and bestow upon you the knowledge of the town that we have picked up along the way.

* Experience: This one is simple, you want someone that knows what they were doing.  Many of us on the team have years and years of experience and can help guide you seamlessly along the process.  We have worked hard and dedicated ourselves full time to the real estate business so as to better accumulate more and more experience/knowledge.

* Busy… but not TOO Busy: You kind of have to question a real estate agent that is not very busy or has very few listings.  This is because it’s either he/she is not fully dedicated to the process or their poor reputation has finally caught up.  A steady stream of clients and houses is the ideal situation that a realtor would be in and very much represents our day to day business.  You also do not want a realtor that is too busy to properly handle your transaction.  We feel that we have found the perfect balance.  We have a fully staffed team that includes job specific titles such as operations manager and marketing manager to allow our agents to focus on those more important things such as YOU!

The Benefits of an FHA Loan

Before we delve into the benefits that come along with an FHA loan we should first cover loan with logowhat exactly an FHA loan is.  Essentially an FHA loan is a mortgage that is insured by the Federal Housing Administration.  The thing that makes FHA loans different from many other loans is that the borrowers are required to pay for mortgage insurance which protects the lender from a loss if the borrower defaults on the loan.  In doing so this allows the FHA lenders to offer more benefits because they are at a lower risk.

Another benefit that comes with using an FHA loan is that you don’t have to have perfect credit.  In fact, a score of 580 or better is usually all it takes to qualify for an FHA loan.  Additionally, for those borrowers with a score under 500 have an opportunity to under certain circumstances get a loan for “nontraditional credit history” on a case by case basis.  It is worth checking out your options for loans.

The down payment for FHA loans are lower than many other similar loans as well.  On average an FHA lender only requires a down payment of 3.5%.  Additionally, with FHA loans the closing costs may be covered.  This is because the FHA lenders allow home sellers, builders, and lenders to pay some of the closing costs.

FHA loans are especially popular for those buyers that need to do essential repairs to the home they are buying.  The advantage of this type of loan (called a 203K) is that the loan amount is based on the projected value of the home after the repairs are done.

Last but certainly not least, FHA loans have a financial hardship relief allowance.  Some loan servicers can offer some financial relief to FHA loan holders who have suffered a financial hardship in the form of temporary forbearance, lower interest rate, or deferral of part of the loan.  Check with your lender for any of these options.

Local Business Spotlight: Three Little Monkeys

For all of you moms, grandparents, aunts, uncles, friends, etc. you know how expensive three little monkeys and logohaving a child can be.  The diapers and formula alone can wreak havoc on your bank account.  Then comes all of the clothing needs, toys, shoes, seats, and strollers.  As a mom myself I don’t even want to think about the amount of money I spent on each of these items to only use some of them once or twice.  That is what makes Three Little Monkey’s such a wonderful and cost saving store.  In addition to their amazing, clean, brand named, and organized selection of clothes ranging from new born all the way up to tween, they have toys both new and used that the kids are sure to love. Their selection of pre-owned strollers, carseats, bouncers, bath-tubs, and more is always changing.  They even have a maternity section for those moms-to-be.  The best part is as your child outgrows a toy, clothing, or accessory you can set up an appointment to potentially sell the items to them on consignment.  There really is no better, more cost effective way to shop for your little ones! Be sure to follow them on Facebook to see new items they receive or specials they may have!

Open House + Entry for Colts Tickets + Hickory Hills = Can’t Lose!

If you already live in Pendleton then chances are that you are aware of the quality of homes colts field with logowithin the neighborhood of Hickory Hills.  If you are not familiar with the area then be prepared to be amazed at not only the custom, beautiful, majestic, well crafted, and elegant homes that make up this highly desired area but also the prime location with easy access to I-69, and the spacious lot sizes.

Come see three of these spectacular homes at our open houses this Sunday from 1:00-3:00.  These homes boast features such as double sided fireplaces, 3 car heated garages, private decks, mud room with custom lockers, granite counter-tops, built in speaker systems, and custom built pergolas to name a few!

The best part of all (aside from the possibility of finding your dream home) is that for every open house of ours that you attend between now and Dec. 1st gets you another entry into our drawing for Colts vs. Texans game on Dec. 14th!  So don’t miss this exciting opportunity! We look forward to seeing you there!

* 1861 Raccoon Way

* 6038 Red Fox Rd.

* 6127 Lemming Ct.

Mistakes to Avoid When Buying a House

We all know the saying, “live and learn” and that is certainly a mantra in the home buying oops with logoworld.  That is why I am letting you first time home buyers in on some of my hard earned experience and sharing with you some mistakes that I as well as some clients have made.

* Don’t go it alone.  I’ve seen many potential buyers think that they can navigate the home buying process without the assistance and guidance of an experienced realtor.  Unfortunately, all too often this ends in headache and financial loss.

* Don’t forgo the pre-approval from your lender.  There is truly no worse feeling then watching the house of your dreams slip through your fingers because you didn’t get the loan pre-approval.  This way you can also help determine your price range.

* Don’t exceed your budget.  While the new house prospects out there are all very tempting you have to remember that there will be other expenses that arise as well.  It is important to be financially responsible so that you don’t end up over your head in expenses.

* Don’t EVER skip a home inspection.  Sure the house may look great or you may not want to spend the money on an inspection but be rest assured, it is the best money you will ever spend.  You would be amazed at the unforeseen issues that may arise.

* Don’t get hung up on the little things that are easy to change (i.e. paint, carpet, fixtures, drapes, etc.) You wouldn’t want to pass up on a great house because of the color of the kitchen, which would cost on average $50 to repaint.

* With that being said, don’t ignore the bigger issues that aren’t so easily fixed (i.e. not enough natural light, layout of the home, location, etc)

 

Answers for Adalyn: How You Can Help!

One thing that many of us take for granted on a daily basis is our overall health.  Sure we may have a cold here and a bout of the stomach flu from time to time but many of us have been blessed to be healthy. This is not the case with one delightful and brave 6 year old little girl named Adalyn.  You see, Adalyn has been diagnosed with mitochondrial disease, one that affects her bladder/bowel functioning, respiratory complications, immune system deficiencies, visual impairment, and muscle fatigue/weakness.  There is no known cure for this at the time and she requires constant care and love.  The financial strain that goes into the barrage of tests, therapies, equipment, care, etc is understandably overwhelming which is why I feel so strongly that we need to help support this adorable little girl and her family through these tough times.

This Saturday (Sept. 13th) will be the 2nd Annual “Answer for Adalyn” event taking place at Falls Park.  There will be a motorcycle ride, cookout, live music, a kid zone, cornhole tournament, and more!

Even if you can’t make the highly anticipated event you can still help out this deserving family by making a financial donation here. I think that we as a community have shown time and time again our commitment to helping one another and this is no exception! Let’s come together to help ease a bit of the financial strain and stress that is surely prevalent in their lives.  I hope to see all of you there this weekend!

answers for adalyn

7 Home Improvements Under $25

Whether you are fixing up your home to sell or just wanting to spruce up your abode, one thing to remember is that you don’t have to spend a fortune to make a big difference.  Below are a few of my favorite improvements that can be done for less than a pair oproj 1 sinkf new shoes and will make a noticeable difference!

1.) Replacing your faucet.  You may think you need an entire bathroom overhaul but you will be surprised at the effect new fixtures can have on a rooms overall appeal.

2.) Update your counter-tops.  There are a few ways that this can be  done and sproj 2 counterstay within a budget.  Many hardware stores offer kits that   you can paint your countertops and the results are amazing but even those can be                 somewhat pricey.  I came across this handy blog that actually showed how to use contact paper to update your counter tops and the results are breathtaking.  Plus the total cost should be under $10!

3.) Update your vent covers.  I’m sure most of ours are that dingy proj 3 vent coversmetallic color but with a can or two of rustoleum spray paint you can spruce up the vent covers and not spend much money in the process.

4.) While we are on the subject of spray painting things, another cheap, easy, and quick update you can do is to paint your door handles.  By eliminating those brassy colored door knobs and replacing them with your updated silver or dark colored knobs it immediately updates the entire door.

5.) Switch plate covers are another way you can give the illusion of grandeur.  Most proj 5 switch covershardware stores will sell these thicker type switch plate covers that appear as if you have put trim around the switch.  These are especially important in areas where the switch plates are more obvious.

6.)  proj 6 garage doors Update your garage door and add a bit of class to the exterior of your home with a $7.00 bracket purchase.  They have kits that contain all of the brackets and hardware you will need to transform     your current garage door into one that appears to be carriage doors.  This is not only a cheap update but it adds to your overall curb appeal.

7.) Bathrooms are a huge deciding factor for people in buying a house (for better or for proj 7 mirrorworse) and framing your mirror can instantly make your bathroom look more expensive, put together, and durable.  This is a simple project that you can do in an afternoon!