Thursday, July 21, 2011
Monday, August 30, 2010
These questions will help you decide whether you’re ready for a home that’s larger or in a more desirable location. If you answer yes to most of the questions, it’s a sign that you may be ready to move.
1. Have you built substantial equity in your current home? Look at your annual mortgage statement or call your lender to find out. Usually, you don’t build up much equity in the first few years of your mortgage, as monthly payments are mostly interest, but if you’ve owned your home for five or more years, you may have significant, unrealized gains.
2. Has your income or financial situation improved? If you’re making more money, you may be able to afford higher mortgage payments and cover the costs of moving.
3. Have you outgrown your neighborhood? The neighborhood you pick for your first home might not be the same neighborhood you want to settle down in for good. For example, you may have realized that you’d like to be closer to your job or live in a better school district.
4. Are there reasons why you can’t remodel or add on? Sometimes you can create a bigger home by adding a new room or building up. But if your property isn’t large enough, your municipality doesn’t allow it, or you’re simply not interested in remodeling, then moving to a bigger home may be your best option.
5. Are you comfortable moving in the current housing market? If your market is hot, your home may sell quickly and for top dollar, but the home you buy also will be more expensive. If your market is slow, finding a buyer may take longer, but you’ll have more selection and better pricing as you seek your new home.
6. Are interest rates attractive? A low rate not only helps you buy a larger home, but also makes it easier to find a buyer.
Friday, August 13, 2010
Buying a home should be fun, not stressful. As you look for your dream home, keep in mind these tips for making the process as peaceful as possible.
1. Find a real estate agent who you connect with. Home buying is not only a big financial commitment, but also an emotional one. It’s critical that the REALTOR® you chose is both highly skilled and a good fit with your personality. This is where I of course say contact me, Krista Jameson!
2. Remember, there’s no “right” time to buy, just as there’s no perfect time to sell. If you find a home now, don’t try to second-guess interest rates or the housing market by waiting longer — you risk losing out on the home of your dreams. The housing market usually doesn’t change fast enough to make that much difference in price, and a good home won’t stay on the market long.
3. Don’t ask for too many opinions. It’s natural to want reassurance for such a big decision, but too many ideas from too many people will make it much harder to make a decision. Focus on the wants and needs of your immediate family — the people who will be living in the home.
4. Accept that no house is ever perfect. If it’s in the right location, the yard may be a bit smaller than you had hoped. The kitchen may be perfect, but the roof needs repair. Make a list of your top priorities and focus in on things that are most important to you. Let the minor ones go.
5. Don’t try to be a killer negotiator. Negotiation is definitely a part of the real estate process, but trying to “win” by getting an extra-low price or by refusing to budge on your offer may cost you the home you love. Negotiation is give and take.
6. Remember your home doesn’t exist in a vacuum. Don’t get so caught up in the physical aspects of the house itself — room size, kitchen, etc. — that you forget about important issues as noise level, location to amenities, and other aspects that also have a big impact on your quality of life.
7. Plan ahead. Don’t wait until you’ve found a home and made an offer to get approved for a mortgage, investigate home insurance, and consider a schedule for moving. Presenting an offer contingent on a lot of unresolved issues will make your bid much less attractive to sellers.
8. Factor in maintenance and repair costs in your post-home buying budget. Even if you buy a new home, there will be costs. Don’t leave yourself short and let your home deteriorate.
9. Accept that a little buyer’s remorse is inevitable and will probably pass. Buying a home, especially for the first time, is a big financial commitment. But it also yields big benefits. Don’t lose sight of why you wanted to buy a home and what made you fall in love with the property you purchased.
10. Choose a home first because you love it; then think about appreciation. While U.S. homes have appreciated an average of 5.4 percent annually over from 1998 to 2002, a home’s most important role is to serve as a comfortable, safe place to live.
Contact me today to begin house hunting!
Thanks Realtor magazine for great tips that will help my clients!
Thursday, August 12, 2010
Monday, April 12, 2010
We replaced all the ceilings & insulation. This was old insulation that was everywhere!
We emptied out LOADS of trash and furniture left in the house.
The water heater is no longer in the bathroom.
The bedroom that we built out. Good job Zach!
I listed the home at $74,900 if you know of anyone!
Saturday, March 6, 2010
Before of my rusty ol' tub that had to be sanded and sanded and sanded. Thanks Matt Owen for sanding it!
After!! I LOVE it!!!! (I have not installed the baseboards yet in the bathroom as seen in the picture.)
The feet had to be sanded too. I love the detail work.
The 'after'....although I loaded this picture on my computer and noticed the dust on them! I'll be sure to dust it off!
Nasty before bathroom floor
After ripping up linoleum and two subfloors. We had to patch concrete...oh and this was the room I used a jackhammer in!
The after shot, although once again when looking at the picture on my computer the floor looks so dusty and dirty. oops. Still have final touches like lights/mirror for the room but its almost complete.
Wednesday, March 3, 2010
Something you may not know about me and Zach, but are probably aware of is that we are the most frugal people ever. (Possibly to a fault!) We NEVER pay full price for anything and always try to find the good deals. We often browse the clearance section at Lowe's and that is where we have found some great faucets for CHEAP. I believe this faucet was originally $250 or so and we got it for maybe $25. So for this vanity I sanded it and use a good furniture spray paint. The paint cost $5. The granite top was the most expensive of the project but I used a coupon from those smart card things so it was $20 off. The granite top ended up being right around $200. So for less then $250 we got this awesome fresh look that completely changed the bathroom's appearance!
This ugly tile was creamy/peach colored and just didn't capture the eye because it was only partially up the wall.
One of the things I do to keep tile jobs cheap is using the basic in-stock tile at Home Depot. It is usually 59 cents a sq foot. I put the tile way up the wall so it made the room look much taller then it really is. It also gave it that calming spa feel that I was going for! A new showerhead off the clearance rack at Lowes was $5 and in-stock Home Depot faucet completed the look! (I took the pic with the blue painters tape still on the top)
By far the cheapest and EASIEST upgrade/change is PAINT! You can get a gallon of paint for $15 and redo a whole bathroom. I love painting. It is that instant gratification when working on a project!
This is our bedroom where we took out carpet and put in engineered hardwood floors that we found on clearance at Home Depot. The walls were white so 2 cans of Olympic brand paint from Lowe's and we had a whole new bedroom! I stripped the popcorn ceiling too.