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Current Mortgage % Rates

    Current Rates for 10/25/19 by just a few top Lenders: These numbers reflect excellent credit score but in researching you may find that this is just as good a time for those of you who may be dealing with challenging credit scores. Some companies like New American Funding and Citi focus on helping people with challenges. The key is to do your research. Go online and explore sites that offer info, details, pros and cons and that allow you to focus their results on your personal situation and importantly location because rates can and do vary state to state.  There are hundreds of sites so when searching, try to put in specific parameters to slim down the results to focus on your needs instead of everyone’s needs. This will save you time, frustration and the aggravation that might cause you to give up on your quest for a better rate and bottom line.

loanDepot! Get Your Low Rate Today!     Rate: 3.875%     APR:  3.875%

Close Your Own Loan.com     Rate:  3.50%      APR:  3.709%

New American Funding     Rate:  3.675%    APR:  3.678%

RateZip             Rate:  3.50%      APR:  3.53%

 

 

 

 

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Great Photography is Key!

I’m constantly asked by sellers, are my own photos ok? The answer is maybe yes…maybe no. The way buyers shop online nowadays, if your photos aren’t excellent, the buyer is moving on. The days of teasing buyers with a photo or two is not sufficient anymore. Your buyer wants to walk through your home online to decide if they want to walk through your home. So let’s talk about maximizing your photography for maximum results!

When you’re deciding on the best way to showcase your property to prospective buyers, keep in mind that the internet is very visual and people have highly visual expectations. Before they read a word of your description, most buyers will peruse your photos to see, firstly, if they are even remotely interested in your property. If the photos entice them to learn more, then they have done their job and you are a step closer to someone becoming seriously interested in your home.

The purpose of your advertising, like any other advertising of a product in the marketplace, is to give potential buyers the reasons to choose your home over others also available. Therefore, the quality and content of your photography is very important. There are ways that you can maximize both.  First, show as many photos as possible. Internet shoppers want to see as much as they can ahead of time. They shop the internet for convenience and ease of process.  If you state that you have 4 bedrooms but only show one, you are leaving the reason why you didn’t show the others up to their determination, such as: “wow the other bedrooms must be really small” or ” the other bedrooms must not be very nice” otherwise why wouldn’t they show them.  Neither might be true but that doesn’t matter.  If your buyer lives across the country or on the other side of the world, (yes, your BuyOwner.com exposure offers buyers access to your home 24/7 from anywhere in the world!) they are less likely to ‘stop on by’ to see about the other rooms.  They will go on to another home that does show them what they want to see.

Regarding the quality of your photos, minimize eye distractions.  The fancy towels might look great on your oven door but in a photo they distract the eye from looking at the room and instead bring their  attention directly to the towel.  You might love all the photos on your fireplace mantel BUT what you want to showcase is the fireplace & mantel since that’s what they are buying with your home. Remove other eye distractions such as remote controllers, pens, paper, newspapers, mail, keys, phone cords (or any cords), dishes in the sink or on the counter, etc.

A simple way to prepare for your photography is to stand at the entrance to the room being photographed. Look out of the room and then look in.  If your attention is drawn to something instead of the room, that’s what needs to come out for the photograph.  That might mean pulling out some furniture so that you are able to show more floor space.

The eye judges the room by the amount of floor space they can see. Let them see a lot of floor.

If you have hardwood floors, make sure the window treatments are open and the sunlight is pouring across the wood. Beautiful!

Remember, photos create your home’s first impression to your prospective buyers. And the never fail thing about first impressions is they only happen once! Maximize your photography and by doing so, you will maximize your home selling opportunities.

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Discover Your New Neighborhood via Fall Festivals & Activities

Fall Festivals can be fun, exciting, family friendly, filled with laughter and perhaps your best way to discover some hidden gems of amenities in your brand new neighborhood. One of the great parts of Autumn is the abundance of festivals…some adult focused and some all about family. Based on your personal situation, this may be your best, informal pumpkinFALLway to meet new people in your area with shared interests and discover adult and kid activities available in your community.

ADULT focused activities may include: Oktoberfest celebrations, Craft brew festivals and bar crawls, art fairs, evening concert festivals.

FAMILY focused activities may include: Oktoberfest celebrations (many are family friendly with specific kids areas to let them enjoy the weather, music and fun), Pumpkin patches and farms where kids can choose their own pumpkins, ride horses, enjoy hay rides, play games, etc., Apple picking farms allow kids to run in the orchards and choose which apples they want, pick, bag up and then pay for…usually have hay rides out to the orchards, kid focused concerts and plays in the park, church halloween events so the kids don’t have to go door to door.

Check your neighborhood activities by joining facebook groups and apps like nextdoor, an online website that allows you to pinpoint activities in your specific neighborhood or within a chosen perimeter.

The key is using all the abundant Fall activities to acclimate and familiarize yourself with your new community while also meeting new friends for yourself and your kids!

Tip: If you’re selling, be a gracious seller and leave a list of all the community activities available in your area in your home for the new owner. They’ll appreciate it and you’ll feel great for having done such a simple, yet kind gesture for your buyer.

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Seriously? You’re going to Rent?!!

IS RENTING A RIGHT CHOICE FOR YOU?

Have you thought about renting for awhile after your home sells or instead of buying as you move into empty nesting but everyone keeps pointing out to you what a crazy thing that would be to do?!

It’s true that when you’re paying rent you’re not gaining any equity in that home so for some that means you’re just flushing your money down the toilet. BUT there can be an upside to this decision too. Perhaps you’re new to an area and you’re not sure if your job is going to be permanent…or you’re not sure if this is the area your want to live in long term…or you aren’t financially in a position to put down a decent down payment that would give you a best mortgage rate….or perhaps you can only afford so much a month and by renting a property where the rent includes utilities, HOA fees and all maintenance you don’t have those added expenses. Plus, remember, you’re not paying real estate taxes on top of your monthly payment. This may allow you to live in an area you desire but as a homeowner could not afford. Perhaps you’re downsizing or retiring and don’t want all the stress and upkeep of home ownership.

Perhaps, you have your own reasons for choosing to rent instead of own at this moment in time. Don’t let other’s shaming you for choosing to rent instead of own cause you to make the wrong decision

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My Water Bill is WHAT?!

In our society, running water is a given. Probably the only time we give it any thought is when something goes wrong or when we get the monthly water bill. It’s a necessity, so we have to pay for it. But do we have to pay so much?

In actuality, there are a number of easy things you can do to reduce your water bill.

1. Get Everything in Working Order

Leaks – Did you know a dripping faucet can waste up to 20 gallons of water per day? One or more leaks-in the sink, the shower, or the tub-can really add up over time. By regularly inspecting your faucets, you’ll decrease your chances of leakage.

If you do find a leak, try replacing the washers. Older, often-used washers begin to let water leak; replacing them renews their efficiency. Or for a leaky toilet, replace the flange in the tank (the little piece that lifts when you flush) and make sure it fits snugly.

Insulation – Did you know insulating your pipes will make water heat faster and mean you’ll waste less water, waiting for it to heat up.

2. Simplify Your Water Use

Make this your mantra: waste not; want not. Try not to ever put water down the drain that could be used for something else. For example, cooled vegetable water can feed house plants.

Overall, see if you can find ways to use water less frequently: only do full loads of clothes or dishes; turn off the sink when you’re brushing your teeth; don’t boil a whole pot of water for one cup of tea. Avoid disposing of tissues in the toilet, where you’ll need to flush; just use a trash can instead.

Do whatever you can to minimize the amount of water you expend.

3. Upgrade

Replacing fixtures doesn’t have to be expensive. In fact, there are a few cost-effective improvements that justify their cost incredibly quickly!

Showerhead: Looking for a way to lessen the amount of water used in your daily shower? Consider a low-flow showerhead! It reduces the amount of water used; some models even offer pause buttons to allow you to stop the flow while shampooing.

A water-saving toilet uses half the water that a normal one does in flushing. Older toilets use five gallons per flush; newer ones often reduce this to 1.6 gallons per flush. When you multiply that by uses per day, per week, per month, this can add up to big savings! Note: In some areas these toilets may seem to develop what look like rust rings in your tank more often but perhaps having to clean the toilet more often  will be worth the added $$ in your bank account!

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Pending Doesn’t Mean Done!

You’ve been shopping for weeks or maybe just a few days and you believe you have absolutely found the home of your dreams. Then, sadly, you discover the property has a pending contract. Before you walk away completely deflated, remember these important words, “It’s not sold til it’s closed!” BUT does that mean you can still make an offer on it?
Typically, once a home has a pending sale, you won’t be able to place your bid because both seller and buyer have agreed on the terms of the sale and signed the contract. But real estate deals have been know to fall apart for multiple reasons. Again, until it’s closed, it’s not a done deal!
Though you can’t submit an offer, you absolutely can contact the listing agent or if the home is being sold by owner, the seller, and make them aware of your interest and ask to be notified in the event something happens and the home is going to go back on the market. This way, you have the possibility of putting your offer in before others even know the home is once again available.
Now, it’s important not to get your hopes up that the deal will fall through or tell yourself this is the only home for you. Keep shopping with an open mind and heart. You may discover that not getting that home was a blessing in disguise as you step forward into a different home that makes you even happier!
An important note: If the other deal does fall through, before you jump in gleefully and with reckless abandon, keep in mind, there might have been a reason it fell through that might cause you to want to run away from it too!

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New Home? Tips for an Easy Transition!

So you did it! You are now a homeowner!! Whether it’s your first home or your 10th, a few tips will help you make a smooth and more stress free transition into your home and home ownership.

  • As much as possible, plan to do all your painting, new flooring/lighting installation, Kitchen/Bath renovations including new appliances/counters/backsplashes, etc.  being installed PRIOR to moving in. This will allow you to be less stressed by disruptions to your life…especially if you have kids!
  • Wait until you move in and get a true feel for the space with regard to making new furniture purchases. Once you actually “live” in your home, you may discover that what you thought was the best use of a space actually wasn’t and now you’re stuck or have to return furniture and start over.
  • Wait to order window treatments which can become costly when you’re dressing an entire home. You might be shocked that certain rooms get way more natural light than you expected and others are just way too dark. Walk through your home deliberately at all different times of day to truly experience your spaces.
  • Don’t think that just because the previous homeowner used a space as a formal dining room that that is what that room has to be used for with your family. Maybe you would love a music room, library or kids play room. Forget what your home presented when you bought it and make it what your family needs and wants to enjoy your perfect lifestyle.
  • First time you have a lot of land? Plan ahead, if the sellers didn’t leave lawn equipment, so you have the right amount and size of yard maintenance tools (ie: a tractor instead of a push mower, hedge clippers, tree trimming tools, power washer if there’s a big wood deck or lots of sidewalk to keep clean, etc). Nothing worse than having to spend more on items because you need them right now vs just need them.

Whether you’re a new homeowner or repeat homeowner, moving and settling in can be stressful. Follow these tips and you can reduce that stress and even possibly relax and enjoy the process!! And hey, take before and after pictures!! They’re fun and when you’re finished with all the “work” you’ll be able to really appreciate your effort!!

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Good Time to Sell? Buy? Both? Neither?

If you watch tv at all or read the newspapers, it can be confusing when you’re trying to decide if it’s a good time for you to sell? Is it a good time for you to buy? Are people still looking? Are interest rates a problem? Are values going up? Going down? How can you make the best decision with confidence about moving forward…or not? Perhaps once you realize it’s all about perspective you can determine the best decision for you.

Why is it a good time to sell?

  • Interest Rates Are Still Low
  • Interest Rates Might Be Going Up
  • Economy on Upswing
  • Prices Are Still Rising or are Stable
  • Buyers Are Still Shopping

Why is it a good time to buy?

  • Interest Rates Are Still Low
  • Interest Rates Might Be Going Up
  • Economy on Upswing
  • Prices Are Still Rising or are Stable
  • Buyers Are Still Shopping

Get the point? It’s all in perspective. If you want to sell…sell! If you want to buy…buy!  We’re in a unique time so take advantage and give yourself the authority to move forward into your future!!

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TIPS TO KEEP YOUR HOME COOL IN THE SUMMER HEAT

This has already proven to be an extraordinarily hot summer after an extraordinarily cold winter. Other than spending a fortune running your central air conditioner, here are a few tips to help keep your home and your attitude cool!

  • Landscape with shade trees around your home and around your outdoor patio or deck. There are numerous species of trees that don’t take 20 years to grow above your home. Before taking the word of the professional that you’re thinking of hiring, do some online research with regard to your location and plant options. It may be more cost effective to choose a large leafy tree to give great shade plus add shrubbery around your home’s perimeter to help maintain your home’s internal temperature.
  • Window treatments have come a long way! You may pay a little more up front for blinds or draperies that block the sun at the height of the day’s heat but the money you’ll save on your electric bill will compensate sooner than later!
  • According to the US Dept of Energy, by raising your thermostat to run less often while you’re gone during the day (they recommend around 78 degrees) you can save as much as 10% on your power bill. Using a programmable thermostat is very cost effective!
  • Go retro….run some fans. You can cool yourself off in an area you’re working/sitting in with an oscillating fan while again keeping your thermostat from kicking on so often.
  • Make sure and change the direction of your ceiling fans to run counter-clockwise in the summer. (remember to change it back to clockwise in the winter!)
  • Have a basement? Even if it’s not officially finished create an area for yourself with a rug, chair, tv or a place to work out. The basement can be a full 15 degrees cooler than your main or upper levels. You can even leave a vent open slightly down there to allow the a/c to cool it down and then it will stay that way for an extended period of time.
  • Instead of turning on your stove or oven, use a countertop oven (ie:Breville mini smart oven) or cook outside on your grill.
  • This could be an expensive tip but if your a/c system is old, the money you’ll save by replacing it with a new efficient model will pay for itself within a couple of summers.

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Declare Your Independence!

Let today be the day you use ByOwner.com to help you declare your independence from renting by helping you find your dream home! As a seller, let us help Set You Free from your current home so you can move on to your new life adventure!!

Happy Independence Day!!!See the source image