When selling a property, chances are the main photo for the home will be the outside. Most multiple listing services require either the front of the house or the view from the house as the first listing photo, so, you better make sure that your landscaping and curb appeal is on point. Most buyers will decide within the first five seconds of looking at the home whether or not they’re interested, which is why your landscaping and curb appeal should never be neglected. Here are some serious landscaping and curb appeal hacks that will totally change the way people look at your home. [Read more…]
Simple Landscaping and Staging Tips for Selling a House
Selling? Maybe you just don’t want your house to look like a maple tree shed all over the property. Whatever the case, there are ways to spruce up your home’s curb appeal and landscaping regardless of the time or year. Here are some of our best secrets!
How to Choose the Right Lender
When it comes time to shopping for a mortgage, I would strongly encourage you to start with a local and trusted lender. – Jonathan Fox – Washington Post
You can’t get any clearer than that. Big business, large corporations, and big banks have been selling and buying mortgages for decades but when it comes to the individual homebuyer, going local, and going personal is always best.
It’s surprising how little value many homeowners, especially first-time homeowners, put into shopping around for the best home loan. They should be just as careful about this process as they are the home itself. However, many people simply go with whomever the real estate agent suggested or the local bank. While this might work out just fine, you can really benefit from shopping around for the best loan, the best rate, and the best terms. These really do change and you want to make sure that the lender knows you are shopping around. People get competitive when they know that they have others to compete against.
Related: What Matters Most in Your Credit History
Terms, interest rates, and details of a mortgage loan are not always set in stone. You would be surprised at what you can actually negotiate with. Everything is important when it comes to dealing with contracts including inspections, timelines, and of course, who you are dealing with.
More: Mortgage Mistakes to Avoid
Mortgages in today’s society are getting easier but we still need to be cautious about applying for the right home loan and only applying for a mortgage we can actually afford. In order to avoid a housing bubble burst, living within our means is really the key to maintaining our home and living comfortably with the mortgage we have.
Large banks, credit unions, and even hometown banks can be a great partner in managing basic financial details such as your checking and savings accounts or even credit cards. But when it comes to borrowing money for a large purchase such as a house, finding a mortgage officer the deal specifically with this type of loan is essential to getting the best rate.
Related: Answers to Your Mortgage Questions During COVID
Competitiveness also plays a big factor in getting the right loan for your needs. Shop around to a couple of different loan officers or mortgage brokers as well as your own bank or credit union. Find out what terms you can expect and different programs that different mortgage brokers can provide. Housing markets are competitive so lender should be as well.
Terms and prices are not the only factors when it comes to choosing the right lender. Large banks that have multiple mortgage officers can tend to bog down the system, extending out timelines and deadlines that could cost you your home. Individual and private mortgage lenders and personal loan officers have more invested in the game, so they are more likely to pay attention to timelines and get things done in a timely fashion.
It’s Okay to shop around. Don’t worry about your credit getting hit. Having the loan officer run the numbers for you and then offer you the best plan and wait for your needs is essential to getting the right loan and saving you as much money as possible.
MORE: What is California Mortgage Insurance?
Feel free to give me a call as I have a lot of mortgage lenders in the Bay area and the Tri-Valley area that might work for you. Remember, shop around to get the best loan and the best deal for your needs.
Should You Buy a “Flipped” Property?
We see them all the time these days; Fix It Or Flip It, Love It Or List It, Fixer Upper etc. This new trend of buying homes and flipping them is certainly not a new idea but broadcasting it on reality TV has only hit the airwaves in the last few years. More and more sellers and investors are watching the shows thinking they can definitely do it but when it comes to buyers, are buyers apprehensive about purchasing a flipped property? [Read more…]
House Not Selling? Here’s What You Can Do
If you have a home in Pleasanton, San Ramon, Livermore or surrounding Tri-Valley cities and towns and it’s not selling there could be a variety of reasons why. The central California real estate market is hot and prices are going through the roof and homes are selling fast but if yours is not there could be several reasons why. It’s time to step back, take a good look at your home and find out why your home may not be selling.
#1. Adjust the price.
It may simply be time to adjust the price. If you started at a decent price but your agent feels it may still be too high, it probably is. Real estate agents spend most of their time running comparable sales in the area, researching the market and have a pretty good idea of what will sell and what won’t sell. By adjusting your price to where it should be or even slightly lower, you’re more likely to get the right buyers in the door.
#2. Take a look at the photos.
Do the real estate photos really set your home apart from your closest competition? In today’s real estate market many real estate agents and homeowners are taking professional photos of their home in order to draw in the right buyers. Take a look at your home during different times of the day in different light. This can greatly affect the look and feel of your home. Make sure that the photos are professionally taken and really are sharp, clear and show your home in the best light. Also, take a look at the room in the picture; is a clean, neat and tidy? Are toilet seats put down, garbage put away and counters and tables cleared off? The picture might be of great quality but if what it’s showing is a mess, buyers still won’t want to come close.
#3. Does the condition of your home match the price?
Do you want top dollar for your home? Then you have to present it as such. Real estate agents will be honest with you and tell you that if you want a certain price, you need to make your house rise to the occasion. Does the home warrant a high price tag? Has it been updated? Is it clean, neat and organized? Is it professionally staged? All of these things can affect your price and if you don’t present your home in a way that matches your perceived value, you simply won’t get any offers.
#4. The location or layout is funky.
This may not be something that you can change at all but it probably will affect your ability to get an offer. That being said, the only way to compensate for an odd layout or bad location is to adjust the price. Unless you want to take the time to remodel your home, adjusting the price may be the only way to get an offer. I know that’s not the ideal option but emphasizing the positive features of the home is a great way to overcompensate for the negative aspects such as living by a busy road, or an odd layout such as a bathroom off of the kitchen.
Related: 10 Must-Haves All Buyers Want in a Home
There’s usually always something that is preventing a home from selling. Finding that out as soon as you can will help you adjust where you need to in order to get it sold.
Call me today to discuss home prices in your area and what you’re home may sell for.
5 Things to Know Before Buying a ‘For Sale by Owner’ House
For sale by owner or FSBO, as they are often referred to, is when a homeowner decides to list and market their own home for sale instead of going through a real estate broker or agent. Most homes are listed by real estate agents under a brokerage of some type but occasionally buyers come across the for sale by owner home. This may be someone you know or just a random listing in the newspaper or drive by a sign in the front yard. You might think this is an easy way to get a home without involving real estate agents but actually, it’s the opposite of simplifying the process. Conducting a real estate transaction with people that may not know the process or the legalities, can turn into a nightmare and make you and the seller liable for certain issues.
Here are five things to know before jumping into a for sale by owner real estate transaction. [Read more…]
What a Buyer’s Agent Actually Does for You
In these odd times, having someone on your side during a transaction is crucial and essential. A buyer’s agent is that unknown entity that most first time buyers don’t even know about. Most people head out into the real estate world, scared and uninformed. A buyer’s agent is exactly that; an agent for the buyer.
When a homeowner lists their home they call on the knowledge of a listing agent. This agent draws up a contract to sell the property. The listing agent markets the property and can even bring the buyer. BUT a buyer’s agent is only for the buyer and represents the buyer’s side throughout the process, not the seller. What a Buyer’s Agent Actually Does for You [Read more…]
6 Kitchen Upgrades Without the Remodel
Whether you are planning on selling your property or just looking for a fresh look without a major remodel, doing small things that help update the look and feel of your kitchen is one of the best ways to improve the home. We’re seeing a lot of new construction around the Tri-Valley area and buyers are looking for updated, renovated, or upgraded materials. If you’re looking to put a little bit of elbow grease and possibly a little money into your kitchen, you can do some upgrades without breaking the budget with a full remodel. Here are six kitchen upgrades that you can do without a full remodel. [Read more…]
Sage in Livermore Homes for Sale
Sage is the latest collection of townhomes at Sage in Livermore. This is one of the largest developments in Livermore with dozens of new homes, recreation, and open space just north of the freeway. There are 4 distinct subdivisions in Sage: Balance, Harmony, Synergy, and Tranquility. From single family homes to townhouses, there’s something for everyone in all price ranges in Sage.
Sage has been very popular since it’s successful opening in 2016. Built by Shea Homes, these properties have received six awards from the Building Industry Association and the facilities and amenities are unparalleled [Read more…]
The Real Reason Your House Isn’t Selling
House been on the market for a long time? Maybe just a few weeks without any bites? Perhaps you’re just setting yourself up for success when you do list? Whatever the reason is that you’re selling, you certainly don’t want to be on the market any longer than you have to.
In doing research yesterday I came across several houses that have been on the market for more than a year. That’s very unusual in this hot market. Even most markets around the US are seeing a four-month absorption rate, meaning that if no new listings hit the market today, it would only take less than four months to completely eliminate every listing on the market. So, what is up with these houses that have been on the market 300 – 400 days or more?
In my experience it really only comes down to three things:
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