Provided By Realty Times
You’ve probably heard it all over media outlets. "Affordability is at an all-time high." "Interest rates are below 4.0 percent!" The question remains, however, why buy a home? What do these proclamations actually mean for you?
Let’s look at these claims. Affordability is at an all-time high. This is calculated by a ratio of median household income to median home prices for any given area.
According to the National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI) this record level is around 73 percent of all new and existing homes. To put this number into perspective, before recent years’ developments it was rare to see the HOI go above 60 percent.
"With interest rates at historically low levels and markets across the country beginning to improve, homeownership is within reach of more households than it has been for nearly two decades," said Bob Nielsen, chairman of the National Association of Home Builders (NAHB) and a home builder from Reno, Nev. "However, tough economic conditions -- particularly in markets that experienced major changes in house prices and production — as well as extremely tight credit conditions confronting home buyers and builders continue to remain significant obstacles to many potential home sales."
Some areas are fairing better than others. Topping the list for affordability, as one example, is Lakeland-winter, Florida, where a median household income of $53,800 made 92.5 percent of all homes sold within reach of buyers.
What does this mean for you, the buyer? It means that you should ask your local real estate agent what home prices are like in your area and compare those to your own family income. What is the median household income for your region? It varies greatly by city, state, and region. Are you in the position to buy a larger home or move up thanks to low rates and low prices?
The market is the perfect climate today for buyers with cash for downpayments, steady incomes, and good credit scores. Buying today is full of opportunity. You can buy more home for less money and pay less interest over the life of the loan thanks to incredibly low interest rates.
Rates have never been this low. They are currently under 4.0 percent for buyers with good credit (think credit scores at least 720). Even if you don’t have an excellent credit score you may still be eligible for other good rates or deals. Now is the time to find out!
There are fewer buyers on the market, which means you have more leverage at the negotiating tables. Sellers are willing to make more concessions and many are motivated to sell, especially if their home has been lingering on the market.
Additionally, there are incredible deals to be had on the glut of foreclosed and short sale homes which are now on the market. Recent reports have indicated that this deluge of foreclosed home isn’t going away any time soon due to delays from banks. Many homes that have been delinquent for years are just now hitting the market. These banks are ready to unload.
Why should you buy a home right now? You’re going to find better deals, lower prices, and the best rates in history for buying a home. That sounds like an ideal time to enter the market!
Are you interested in learning more about buying a home? Give us a call at 972-772-7000 or email us at frontdesk552@kw.com.
Monday, January 30, 2012
Friday, January 27, 2012
Sell Your Home With The Right Images
Provided By Realty Times
Listing your home for sale is the start of a journey that can go smoothly, if you take some necessary steps to make your home appealing to the right audience. Of course, it can also be a lesson in frustration.
These days much of the shopping for homes, like many items, is done online. That means that images (both photos and video) are rapidly becoming popular marketing tools to entice potential buyers.
The adage is, a photo is with a thousand words and, I add, a video is priceless. Actually, though, both are worth a whole lot. In fact, they could be worth the price of your home because images sell.
Think about the commercial market. Ads on TV and in print are always selling a concept about how consumers will feel, look, and benefit from buying a particular product. When it comes to selling a home, however, some sellers aren't as concerned with how their home is pictured and that can cause the home to stay on the market longer or, worse, generate little or no interest.
With the Internet filled with a sea of homes and sellers everywhere vying for attention from buyers, it only makes sense to make the online photos scream, "I am a must-see home. I won't last long in this market."
But, too often, fatal mistakes are made. Professional pictures and video aren't taken. Instead, a point-and-shoot camera is quickly grabbed and put to work (without special lighting) and, while you can get some nice images, I think most understand that professionals use pro cameras, lights, and editing tools for a reason. This isn't about "doctoring" photos so that they don't tell a real picture; rather it's about making your home look its best-just like getting dolled up for a first date.
In fact, if your professional photographer goes too far and takes too many liberties with touch-ups, you might find that potential buyers are turned off or even angry about what they see when they arrive at your home.
There have been some cases where small areas were enhanced with special lighting, lenses, and photography techniques, only to disappoint the potential buyers. The room looked much more spacious in the listing ad than it did in real life.
Making a home picture (and video) perfect is about showcasing it, preferably, with home staging completed. It's about taking the pictures using the best light possible and showing off the way each area comes to life. Think model home photos. Often there are people in the picture or a subtle suggestion about how this room is used.
When natural light isn't enough or available, filtered or diffused lighting is a good option. Non-professionals often make the mistake of using too harsh lighting. The picture is blown out and doesn't give the home a warm, inviting appeal.
I realize nowadays many people have digital high-quality, single, lens reflex cameras. If that's the case and you're determined to shoot photos of your home, here are a few tips.
Always use a tripod
Use a remote to activate the shutter to avoid shake and photo blur
Make sure you have a wide-angle lens
Give careful consideration to your composition
Remove clutter, cords, debris, stacks of paper. You don't want to have to do this in a software editing program
Take a few bracketing shots–changing the lighting a couple of exposures lighter/darker
Be sure to shoot exteriors
Take plenty of photos
Enjoy...these may be the best pictures to remember your home.
Listing your home for sale is the start of a journey that can go smoothly, if you take some necessary steps to make your home appealing to the right audience. Of course, it can also be a lesson in frustration.
These days much of the shopping for homes, like many items, is done online. That means that images (both photos and video) are rapidly becoming popular marketing tools to entice potential buyers.
The adage is, a photo is with a thousand words and, I add, a video is priceless. Actually, though, both are worth a whole lot. In fact, they could be worth the price of your home because images sell.
Think about the commercial market. Ads on TV and in print are always selling a concept about how consumers will feel, look, and benefit from buying a particular product. When it comes to selling a home, however, some sellers aren't as concerned with how their home is pictured and that can cause the home to stay on the market longer or, worse, generate little or no interest.
With the Internet filled with a sea of homes and sellers everywhere vying for attention from buyers, it only makes sense to make the online photos scream, "I am a must-see home. I won't last long in this market."
But, too often, fatal mistakes are made. Professional pictures and video aren't taken. Instead, a point-and-shoot camera is quickly grabbed and put to work (without special lighting) and, while you can get some nice images, I think most understand that professionals use pro cameras, lights, and editing tools for a reason. This isn't about "doctoring" photos so that they don't tell a real picture; rather it's about making your home look its best-just like getting dolled up for a first date.
In fact, if your professional photographer goes too far and takes too many liberties with touch-ups, you might find that potential buyers are turned off or even angry about what they see when they arrive at your home.
There have been some cases where small areas were enhanced with special lighting, lenses, and photography techniques, only to disappoint the potential buyers. The room looked much more spacious in the listing ad than it did in real life.
Making a home picture (and video) perfect is about showcasing it, preferably, with home staging completed. It's about taking the pictures using the best light possible and showing off the way each area comes to life. Think model home photos. Often there are people in the picture or a subtle suggestion about how this room is used.
When natural light isn't enough or available, filtered or diffused lighting is a good option. Non-professionals often make the mistake of using too harsh lighting. The picture is blown out and doesn't give the home a warm, inviting appeal.
I realize nowadays many people have digital high-quality, single, lens reflex cameras. If that's the case and you're determined to shoot photos of your home, here are a few tips.
Always use a tripod
Use a remote to activate the shutter to avoid shake and photo blur
Make sure you have a wide-angle lens
Give careful consideration to your composition
Remove clutter, cords, debris, stacks of paper. You don't want to have to do this in a software editing program
Take a few bracketing shots–changing the lighting a couple of exposures lighter/darker
Be sure to shoot exteriors
Take plenty of photos
Enjoy...these may be the best pictures to remember your home.
Wednesday, January 25, 2012
Five Questions to Ask Yourself Before Deciding to Buy
Provided By Zillow
Perhaps you’ve found a house, or maybe you’ve just started the house hunt, but regardless of where you are in the home-buying process, you need to consider some key questions before you even think about making an offer. Buying a home is a big commitment — financial and otherwise — so take the time to weigh pros and cons.
Here are five questions every home buyer should ask themselves:
Will I own it for at least five years?
The first and most important item you should ask yourself before you consider buying any property is whether you will own it for a long time. People buy property in hopes of increasing wealth and five years is about the break-even point for earning appreciation in value above the buying and selling transaction costs. Therefore, if you don’t plan on holding the property for longer than five years, skip it! Renting a home is NOT necessarily throwing money away. Buying and selling quickly will usually leave you worse off financially than if you just held off on becoming a homeowner.
Do I love the home I want to buy?
One of the second most important items is do you love the property? Real estate should be held for the long term, and loving a property should perpetuate a happy enduring ownership. So don’t buy a property if you don’t love it or at least really like or want that particular property. And don’t buy just “to buy” or if someone tells you it is a good idea. Buy what you want, when you are ready, and buy a home that you will proudly boast about to your friends over the years and years.
Can I afford it?
It is more expensive to own a home than anyone anticipates. Even if the mortgage lender qualifies you for a certain loan amount and property price, you need to make sure YOU can afford it. Lenders don’t generally take into account child care expenses, health care expenses, expensive lifestyles and habits, etc. So make sure that you can comfortably afford your housing payment, still pay your other bills, and still save at least a little more for retirement. Also, if you are not sure of your continued employment situation for any reason, wait until your situation is stable so you can make those mortgage payments.
Is the home in good shape?
Here’s another warning: Fixer uppers rarely sell at a big enough discount to compensate for all the work that needs to be done. The cost of construction and property rehabilitation is outrageous, and unless you are a contractor, it almost undoubtedly will cost much more than you anticipate. So leave the “needs TLC” or “fixer-uppers” to the contractors. You want to buy something in decent shape and livable condition so you don’t get mired in rehab disaster. (Ever seen the movie “The Money Pit“?)
Do I know about the neighborhood?
Did you do adequate research, look at enough properties, learn the neighborhoods, and learn about property ownership before you made an offer? If you just moved into town or if you don’t know the area, rent for a while and search out the perfect community in which you would like to live within your financial means. As with any big investment, the better you educate yourself the lower your risk of something going wrong.
While there is no risk-free real estate, considering the questions above should increase your chances of having a great, long-term, property ownership experience.
Perhaps you’ve found a house, or maybe you’ve just started the house hunt, but regardless of where you are in the home-buying process, you need to consider some key questions before you even think about making an offer. Buying a home is a big commitment — financial and otherwise — so take the time to weigh pros and cons.
Here are five questions every home buyer should ask themselves:
Will I own it for at least five years?
The first and most important item you should ask yourself before you consider buying any property is whether you will own it for a long time. People buy property in hopes of increasing wealth and five years is about the break-even point for earning appreciation in value above the buying and selling transaction costs. Therefore, if you don’t plan on holding the property for longer than five years, skip it! Renting a home is NOT necessarily throwing money away. Buying and selling quickly will usually leave you worse off financially than if you just held off on becoming a homeowner.
Do I love the home I want to buy?
One of the second most important items is do you love the property? Real estate should be held for the long term, and loving a property should perpetuate a happy enduring ownership. So don’t buy a property if you don’t love it or at least really like or want that particular property. And don’t buy just “to buy” or if someone tells you it is a good idea. Buy what you want, when you are ready, and buy a home that you will proudly boast about to your friends over the years and years.
Can I afford it?
It is more expensive to own a home than anyone anticipates. Even if the mortgage lender qualifies you for a certain loan amount and property price, you need to make sure YOU can afford it. Lenders don’t generally take into account child care expenses, health care expenses, expensive lifestyles and habits, etc. So make sure that you can comfortably afford your housing payment, still pay your other bills, and still save at least a little more for retirement. Also, if you are not sure of your continued employment situation for any reason, wait until your situation is stable so you can make those mortgage payments.
Is the home in good shape?
Here’s another warning: Fixer uppers rarely sell at a big enough discount to compensate for all the work that needs to be done. The cost of construction and property rehabilitation is outrageous, and unless you are a contractor, it almost undoubtedly will cost much more than you anticipate. So leave the “needs TLC” or “fixer-uppers” to the contractors. You want to buy something in decent shape and livable condition so you don’t get mired in rehab disaster. (Ever seen the movie “The Money Pit“?)
Do I know about the neighborhood?
Did you do adequate research, look at enough properties, learn the neighborhoods, and learn about property ownership before you made an offer? If you just moved into town or if you don’t know the area, rent for a while and search out the perfect community in which you would like to live within your financial means. As with any big investment, the better you educate yourself the lower your risk of something going wrong.
While there is no risk-free real estate, considering the questions above should increase your chances of having a great, long-term, property ownership experience.
Monday, January 23, 2012
Winter Home Maintenance
Provided By Realty Times
It may be cold outside, but it's no time hibernate when it comes to home maintenance. Have you ever wondered how some friends or neighbors live in older homes that are still in good working order? This isn't just a lucky coincidence.
Houses require careful attention, especially in the Winter, in order to keep in good working order. If you take the extra time each season to check your home over and perform the necessary maintenance, then you'll be sure to have a sturdy home for years to come.
First, it's important to keep your family safe and warm when it's chilly outside. Do a twice yearly check on your windows and doors for air leaks. Under most circumstances you can easily fix these with caulking.
Are your windows in need of a more energy efficient upgrade? Have you thought about installing storm windows and doors? These are important questions to ask yourself. If you have older, non-insulated windows it may be time to replace them. You can even deduct some of these upgrades from your incomes taxes!
If you find leaks, then take the necessary action to fix them pronto. You may find that some doors continue to leak air even after you've made them "air-tight." This means it is time for Plan B. Storm doors work wonders for keeping out the elements. Many stores also sell draft blockers that sit at the bottom of you doors.
Next, schedule a time to service your heating system. Central heat and air units need to be checked over. When a unit is well-serviced it will save you fuel and thus money.
If your home is older, then you might consider a trip to the attic to check ductwork. You never know what critter has chewed through ducts or what parts have become disconnected.
While you're in the attic take a hard look at the state of your insulation. Is it adequate for your region? Is ductwork well-insulated? Older homes can sometimes be completely devoid of attic insulation. If so then it's time to bring in some reinforcements. Insulation is relatively inexpensive and can save you big in the long run.
Do you heat using a wood burning fireplace? Is it imperative for your safety to have your chimney cleaned and checked multiple times during the Winter season if you use your fireplace regularly. Chimney fires happen all the time.
There are smaller issues to attend to as well. Did you know that your ceiling fans have two settings for the blades? You want to be sure to reverse your fan in the Winter so that it pushes the hot air (which naturally rises) back down into your living spaces.
Gutters become full of leaves and other debris. If you fail to clean your gutters they can begin to hold water which can eventually rot away the siding and roof of your home.
When the weather drops below freezing you need to keep your pipes from freezing. Let faucets drip and unhook all outdoor hoses.
Finally, every responsible homeowner is stocked with the proper tools. Keep sand or salt on hand to de-ice slipper steps and sidewalks. Invest in a heavy duty snow shovel or snow blower.
Your home is your biggest asset and literally keeps a roof over your head. Be kind and take care even during the chilly Winter months.
If you have more questions about making your home winter ready, give us a call at 972.772.7000 or email us at frontdesk552@kw.com.
It may be cold outside, but it's no time hibernate when it comes to home maintenance. Have you ever wondered how some friends or neighbors live in older homes that are still in good working order? This isn't just a lucky coincidence.
Houses require careful attention, especially in the Winter, in order to keep in good working order. If you take the extra time each season to check your home over and perform the necessary maintenance, then you'll be sure to have a sturdy home for years to come.
First, it's important to keep your family safe and warm when it's chilly outside. Do a twice yearly check on your windows and doors for air leaks. Under most circumstances you can easily fix these with caulking.
Are your windows in need of a more energy efficient upgrade? Have you thought about installing storm windows and doors? These are important questions to ask yourself. If you have older, non-insulated windows it may be time to replace them. You can even deduct some of these upgrades from your incomes taxes!
If you find leaks, then take the necessary action to fix them pronto. You may find that some doors continue to leak air even after you've made them "air-tight." This means it is time for Plan B. Storm doors work wonders for keeping out the elements. Many stores also sell draft blockers that sit at the bottom of you doors.
Next, schedule a time to service your heating system. Central heat and air units need to be checked over. When a unit is well-serviced it will save you fuel and thus money.
If your home is older, then you might consider a trip to the attic to check ductwork. You never know what critter has chewed through ducts or what parts have become disconnected.
While you're in the attic take a hard look at the state of your insulation. Is it adequate for your region? Is ductwork well-insulated? Older homes can sometimes be completely devoid of attic insulation. If so then it's time to bring in some reinforcements. Insulation is relatively inexpensive and can save you big in the long run.
Do you heat using a wood burning fireplace? Is it imperative for your safety to have your chimney cleaned and checked multiple times during the Winter season if you use your fireplace regularly. Chimney fires happen all the time.
There are smaller issues to attend to as well. Did you know that your ceiling fans have two settings for the blades? You want to be sure to reverse your fan in the Winter so that it pushes the hot air (which naturally rises) back down into your living spaces.
Gutters become full of leaves and other debris. If you fail to clean your gutters they can begin to hold water which can eventually rot away the siding and roof of your home.
When the weather drops below freezing you need to keep your pipes from freezing. Let faucets drip and unhook all outdoor hoses.
Finally, every responsible homeowner is stocked with the proper tools. Keep sand or salt on hand to de-ice slipper steps and sidewalks. Invest in a heavy duty snow shovel or snow blower.
Your home is your biggest asset and literally keeps a roof over your head. Be kind and take care even during the chilly Winter months.
If you have more questions about making your home winter ready, give us a call at 972.772.7000 or email us at frontdesk552@kw.com.
Friday, January 20, 2012
Top 10 Tips for Sellers
Provided By Realty Times
Today’s sellers may face challenging conditions in many markets, but that doesn’t mean choosing to sell is a bad idea. There are many reasons to sell and most are good ones.
Here are ten tips to get you on your way to getting your home sold.
1. Hire a Professional. This is no time to be navigating the rough waters of the real estate market on your own. You want someone who can help you accurately price your home, bring in potential buyers, handle contracts, and market your home to the masses.
2. Fully Disclose. Are you selling because your current home needs more work than you can handle? Are there infestation problems you’d rather not talk about? You must disclose all of these facts to potential buyers. If they find out after the fact that you withheld information you could be in a whole heap of trouble.
3. Be Realistic about Pricing. It is much wiser to price a home correctly from the start of the selling process than to have an overpriced home sit on the market for months only to have to do a price reduction. You get much more traffic on a well-priced home and newly listed home.
4 . Detach Emotions. Sellers may have the inclination towards adding sentimental value to a home. They see the memories and work they’ve put into a property and think every buyer should recognize this. This kind of attachment will make it harder to make smart and timely decisions about offers.
5. Be Involved. Yes, you’ve hired a professional to handle the legwork and legality of your sale, but you’ll rest much easier at night if you understand the process and all that is going on. Be sure to have regular conversations with your agent.
6. Stage your Home. Staging is a perfect way to help buyers see the true potential of each room. This may mean, however, that you have to tone down your own style and pack away any clutter or extraneous decor.
7. Don’t Hover. Sellers can put a lot of heart and soul into staging and getting a home ready for the market. They might want to hang out during an open house. Resist the urge. This makes it very uncomfortable for buyers. So, during showings of any kind, be sure to make yourself scarce.
8. The Next Step. Are you going to be buying another home? Have you decided to rent? Under normal sales, you’ll have plenty of time to make arrangements, but you also might get a buyer who needs to move in right away. Be ready to take your next step.
9. Be Flexible. It’s no secret that today’s market can be challenging for many sellers. Some markets have seen sharp price declines and shallow buyer pools. This means you need to be flexible on both price and terms. Don’t compromise on your bottom line, but understand that you must be willing to negotiate.
10. Positivity. Focus on the good in today’s market. Pull your attention to the feedback you get from your agent and prospective buyers! Most of all, don’t get discouraged. You will find a buyer!
Selling in today’s market can be a tough, but rewarding. So, whether you’re selling to move up, downsize, avoid foreclosure, or are following a job, be sure to keep these ten tips in mind for smooth sailing.
Have more questions about selling your home? Contact us at 972-772-7000 or email us at frontdesk552@kw.com.
Today’s sellers may face challenging conditions in many markets, but that doesn’t mean choosing to sell is a bad idea. There are many reasons to sell and most are good ones.
Here are ten tips to get you on your way to getting your home sold.
1. Hire a Professional. This is no time to be navigating the rough waters of the real estate market on your own. You want someone who can help you accurately price your home, bring in potential buyers, handle contracts, and market your home to the masses.
2. Fully Disclose. Are you selling because your current home needs more work than you can handle? Are there infestation problems you’d rather not talk about? You must disclose all of these facts to potential buyers. If they find out after the fact that you withheld information you could be in a whole heap of trouble.
3. Be Realistic about Pricing. It is much wiser to price a home correctly from the start of the selling process than to have an overpriced home sit on the market for months only to have to do a price reduction. You get much more traffic on a well-priced home and newly listed home.
4 . Detach Emotions. Sellers may have the inclination towards adding sentimental value to a home. They see the memories and work they’ve put into a property and think every buyer should recognize this. This kind of attachment will make it harder to make smart and timely decisions about offers.
5. Be Involved. Yes, you’ve hired a professional to handle the legwork and legality of your sale, but you’ll rest much easier at night if you understand the process and all that is going on. Be sure to have regular conversations with your agent.
6. Stage your Home. Staging is a perfect way to help buyers see the true potential of each room. This may mean, however, that you have to tone down your own style and pack away any clutter or extraneous decor.
7. Don’t Hover. Sellers can put a lot of heart and soul into staging and getting a home ready for the market. They might want to hang out during an open house. Resist the urge. This makes it very uncomfortable for buyers. So, during showings of any kind, be sure to make yourself scarce.
8. The Next Step. Are you going to be buying another home? Have you decided to rent? Under normal sales, you’ll have plenty of time to make arrangements, but you also might get a buyer who needs to move in right away. Be ready to take your next step.
9. Be Flexible. It’s no secret that today’s market can be challenging for many sellers. Some markets have seen sharp price declines and shallow buyer pools. This means you need to be flexible on both price and terms. Don’t compromise on your bottom line, but understand that you must be willing to negotiate.
10. Positivity. Focus on the good in today’s market. Pull your attention to the feedback you get from your agent and prospective buyers! Most of all, don’t get discouraged. You will find a buyer!
Selling in today’s market can be a tough, but rewarding. So, whether you’re selling to move up, downsize, avoid foreclosure, or are following a job, be sure to keep these ten tips in mind for smooth sailing.
Have more questions about selling your home? Contact us at 972-772-7000 or email us at frontdesk552@kw.com.
Wednesday, January 18, 2012
Tips to Cut Clutter
Provided By Zillow
Whether you’re prepping your home for sale or have decided that getting organized is one of your New Year’s home improvement resolutions, here are some tips to help curb the clutter in your home.
Start Slow
Even if you’re packing up to move and need to get rid of things ASAP, diving in too quickly can leave you overwhelmed and at risk of making choices that you will regret later. Make a list and tackle small areas of your home each day. Perhaps the easiest way is to go room-by-room. This may also get you in the habit of clearing and organizing.
Find Your System
Whether it’s keeping bills in a countertop space in your kitchen, or a designated space somewhere else in the house, find a way to deal with paperwork and stick with it. (Tip: Switching to paperless billing cuts down on tons of random papers).
Corral It
Bins, baskets, drawer organizers or boxes can help organize the small things. Find a place for each item and put it there each time after you use it.Put remotes, magazines and other living room items in a basket.
Multi-Purpose
If you’re short on closet space or space in general, purchase furniture that serves a dual purpose of storage to make the most use of the areas you have. Beds with drawers, coffee tables with shelves, and end tables that double as more storage can help you keep the clutter put away. Look for places to stick extra storage.
Purge
Rather than waiting until the New Year, or spring cleaning to clear out closets, make time once a month to get rid of the things you no longer need. If you’re unsure about tossing something, stick it in a box for a few weeks, and if at the end of that time you forget about the item, chances are you’re free to toss it!
Whether you’re prepping your home for sale or have decided that getting organized is one of your New Year’s home improvement resolutions, here are some tips to help curb the clutter in your home.
Start Slow
Even if you’re packing up to move and need to get rid of things ASAP, diving in too quickly can leave you overwhelmed and at risk of making choices that you will regret later. Make a list and tackle small areas of your home each day. Perhaps the easiest way is to go room-by-room. This may also get you in the habit of clearing and organizing.
Find Your System
Whether it’s keeping bills in a countertop space in your kitchen, or a designated space somewhere else in the house, find a way to deal with paperwork and stick with it. (Tip: Switching to paperless billing cuts down on tons of random papers).
Corral It
Bins, baskets, drawer organizers or boxes can help organize the small things. Find a place for each item and put it there each time after you use it.Put remotes, magazines and other living room items in a basket.
Multi-Purpose
If you’re short on closet space or space in general, purchase furniture that serves a dual purpose of storage to make the most use of the areas you have. Beds with drawers, coffee tables with shelves, and end tables that double as more storage can help you keep the clutter put away. Look for places to stick extra storage.
Purge
Rather than waiting until the New Year, or spring cleaning to clear out closets, make time once a month to get rid of the things you no longer need. If you’re unsure about tossing something, stick it in a box for a few weeks, and if at the end of that time you forget about the item, chances are you’re free to toss it!
Monday, January 16, 2012
Sellers of Distressed Homes
Provided By Realty Times
With the beginning of 2012, there are several issues that will remain at the center of discussion for real estate professionals. Starting with distressed homes, sellers must confront a series of challenges (and opportunities), which demand the attention of experts who can address these matters effectively. Remember: as the economy struggles to recover, and as more properties go into foreclosure or become financial liabilities for banks and lenders, sellers of distressed homes will make this year a time of urgent action. In fact, the only way for sellers of these properties to start anew is with the help of investors who understand the intricacies of the marketplace.
From my perspective, as someone who interacts with sellers on a daily basis and sees the Dallas-Fort Worth area as a symbol for a number of broader national trends, listings for distressed homes are on the rise. Think of 2012 as the year of distressed properties, a time when sellers will become more active in their search for seasoned investors who can enter this environment. And, unlike a traditional real estate agent who will err on the side of passivity and hope for a surprise buyer, investors have a different approach.
Rather than wait for a sudden economic turnaround, which will almost certainly not happen in the next six months, sellers need to abandon the standard tactic of having an agent look (in vain) for a buyer who will respond to a posting or advertisement. None of which is to suggest that these agents are not good people; they just handle an entirely different set of responsibilities, which have little to do with the sale of distressed homes.
As a very serious buyer, we make decisions on the spot and can bring closure to a story that could otherwise continue on for months or years. Also, this new year will see more people - particularly in the Dallas-Fort Worth area - searching for a way to enjoy a fresh start.
These individuals want to reclaim their lives, move to new cities and seize existing job opportunities. Most importantly, they want to be rid of the baggage that comes with a troubled property. But before they can do these things, and well before 2012 can be their year of renewal, they must first sell their distressed homes. Again, from my experience I know that the right home can be attractive for investors who want to make a profit and help the surrounding neighborhood.
By transforming these properties into quality retail homes and clean rentals, property values within the same community can rise. For example: as these homes become more attractive, both physically and economically, there is a net gain for everyone. Existing owners see a positive turnaround, while newly arrived buyers or renters can move into a quality residence.
With this information at our disposal, we should make 2012 a year for success. That achievement starts by extending our wisdom on behalf of sellers of distressed homes. That assistance can make these next twelve months a period of positive activity throughout the real estate industry. Let us move forward with strength and optimism.
In the Dallas-Fort Worth area, we can - and do - make a positive difference in people’s lives. With that rule in mind, let us move forward on behalf of those we serve.
Are you a distressed homeowner? Give us a call at 972-772-7000 or email us at frontdesk552@kw.com to learn how you solve your foreclosure situation.
With the beginning of 2012, there are several issues that will remain at the center of discussion for real estate professionals. Starting with distressed homes, sellers must confront a series of challenges (and opportunities), which demand the attention of experts who can address these matters effectively. Remember: as the economy struggles to recover, and as more properties go into foreclosure or become financial liabilities for banks and lenders, sellers of distressed homes will make this year a time of urgent action. In fact, the only way for sellers of these properties to start anew is with the help of investors who understand the intricacies of the marketplace.
From my perspective, as someone who interacts with sellers on a daily basis and sees the Dallas-Fort Worth area as a symbol for a number of broader national trends, listings for distressed homes are on the rise. Think of 2012 as the year of distressed properties, a time when sellers will become more active in their search for seasoned investors who can enter this environment. And, unlike a traditional real estate agent who will err on the side of passivity and hope for a surprise buyer, investors have a different approach.
Rather than wait for a sudden economic turnaround, which will almost certainly not happen in the next six months, sellers need to abandon the standard tactic of having an agent look (in vain) for a buyer who will respond to a posting or advertisement. None of which is to suggest that these agents are not good people; they just handle an entirely different set of responsibilities, which have little to do with the sale of distressed homes.
As a very serious buyer, we make decisions on the spot and can bring closure to a story that could otherwise continue on for months or years. Also, this new year will see more people - particularly in the Dallas-Fort Worth area - searching for a way to enjoy a fresh start.
These individuals want to reclaim their lives, move to new cities and seize existing job opportunities. Most importantly, they want to be rid of the baggage that comes with a troubled property. But before they can do these things, and well before 2012 can be their year of renewal, they must first sell their distressed homes. Again, from my experience I know that the right home can be attractive for investors who want to make a profit and help the surrounding neighborhood.
By transforming these properties into quality retail homes and clean rentals, property values within the same community can rise. For example: as these homes become more attractive, both physically and economically, there is a net gain for everyone. Existing owners see a positive turnaround, while newly arrived buyers or renters can move into a quality residence.
With this information at our disposal, we should make 2012 a year for success. That achievement starts by extending our wisdom on behalf of sellers of distressed homes. That assistance can make these next twelve months a period of positive activity throughout the real estate industry. Let us move forward with strength and optimism.
In the Dallas-Fort Worth area, we can - and do - make a positive difference in people’s lives. With that rule in mind, let us move forward on behalf of those we serve.
Are you a distressed homeowner? Give us a call at 972-772-7000 or email us at frontdesk552@kw.com to learn how you solve your foreclosure situation.
Friday, January 13, 2012
10 Selling incentives to motivate buyers in a down economy
Provided By Trulia
Everyone likes a bargain, a sale, or a giveaway. What's not to like? In real estate sales incentives can be a great way to motivate a reluctant buyer to take the plunge and consider making an offer on your home despite the current economic downturn. So as a seller what are some ways you can use sales incentives to drive up interest in your property?
Let's take a look at 10 selling incentives to motivate buyers in a down economy:
Pay the points
What are points? Points are fees charged by lenders to provide financing. In general one point equals one percent of the mortgage balance. For instance a buyer paying 1 ½ points on a $200,000 loan will pay $3000 in loan fees. As an incentive to write an offer, some sellers offer to pay points on behalf of the buyer.
Buy down the interest rate
Many buyers are unaware that they can secure a lower interest rate by paying additional points at closing. Just like the points discussed above, a point, when buying down the interest rate, is one percentage point of the sales price. For example, a buyer who is securing a $300,000 mortgage, paying one point in loan fees, and then another two points to buy down her interest rate will pay a total of $9,000 dollars in loan costs at closing! If she can save any portion of this amount by choosing one home over another it might very well sway her decision.
Pay for closing costs
Closing costs are fees charged by escrow companies and lenders to process the paperwork necessary to close the sale. Sellers generally pay for insuring clear title by purchasing title insurance on behalf of the buyer, but many homeowners also decide to offer to pay for the buyer's closing costs as well. However, in doing so it is wise to put a cap on the amount of closing costs you are willing to pay by stating that you will pay "up to" a certain predetermined amount.
Pay for inspections or compliance work
Inspections are typically required by lenders before funding a buyer's loan. While in many areas of the country these are typically paid by the buyer, they are almost always negotiable. The same is true of any needed repairs that might be revealed by the inspections. To secure a sale many sellers will offer to pay for inspections and or compliance work "up to" a reasonable amount.
Carry the contract
Owner financing means that the seller acts as the bank by agreeing to accept payments from the buyer. The advantage to offering owner financing is that buyers will be able to save thousands of dollars in loan fees and can often close the sale very quickly. The downside is that you take on additional risk should the buyer default at some future point. Before offering or accepting a sale with owner financing always seek the advice of legal counsel.
Upgrades
Many builders now allocate as much as 5% of their sales price to sales incentives that they offer back to buyers in the form of upgrades. Following suit many homeowners have caught on that this technique can be a great way to set their home apart from the competition by offering kitchen and bathroom upgrades, landscaping upgrades, or even carpet upgrades, to motivate buyers to take action.
Allowance
If your home needs a facelift but you don't have the money to do the work yourself you might consider providing the new buyer with an allowance. An allowance is a credit given to the purchaser to compensate for accepting a home's defects - things like worn out carpets, failing plumbing, or poor drainage.
Free appliances
Many sellers are now offering to provide buyers with their choice of brand new appliance packages. From front load washers and dryers to new convection ovens, and even plasma televisions, these incentives can be a real plus for buyers who have never owned a home before. They can also be a plus for any buyer who wants new appliances, like just about everyone.
Pre-paid utilities
Like getting stung by bee once a month, adjusting to a new mortgage payment can be painful. One way sellers swab on the calamine lotion and make it easier for a buyer is to pre-pay utilities over a certain period of time. This could range from pre-paying for gas, electricity, cable TV, or even internet services.
Pre-paid services
Owning a home isn't easy. You have to clean the darn thing, mow the grass, maintain the heating and air condition systems, clean the pool, clean the gutters, and even change the light bulbs once in a while. Because of this some sellers throw in a pre-paid service like a lawn mowing service, pool cleaning service, or even a housekeeping service, to encourage buyers to step up and write an offer.
Consider your options carefully. Selling incentives can often be just the catalyst your home needs to make the jump from being just an active listing competing with hundreds of other homes for a buyer's attention to a home that sports a pending sale sticker. The key is to choose an incentive that fits your budget and your market. For guidance, explore what other sellers are offering to motivate buyers to take action and consult with a local agent.
Are you interested in selling your home? Give us a call at 972-772-7000 or email us at frontdesk552@kw.com.
Everyone likes a bargain, a sale, or a giveaway. What's not to like? In real estate sales incentives can be a great way to motivate a reluctant buyer to take the plunge and consider making an offer on your home despite the current economic downturn. So as a seller what are some ways you can use sales incentives to drive up interest in your property?
Let's take a look at 10 selling incentives to motivate buyers in a down economy:
Pay the points
What are points? Points are fees charged by lenders to provide financing. In general one point equals one percent of the mortgage balance. For instance a buyer paying 1 ½ points on a $200,000 loan will pay $3000 in loan fees. As an incentive to write an offer, some sellers offer to pay points on behalf of the buyer.
Buy down the interest rate
Many buyers are unaware that they can secure a lower interest rate by paying additional points at closing. Just like the points discussed above, a point, when buying down the interest rate, is one percentage point of the sales price. For example, a buyer who is securing a $300,000 mortgage, paying one point in loan fees, and then another two points to buy down her interest rate will pay a total of $9,000 dollars in loan costs at closing! If she can save any portion of this amount by choosing one home over another it might very well sway her decision.
Pay for closing costs
Closing costs are fees charged by escrow companies and lenders to process the paperwork necessary to close the sale. Sellers generally pay for insuring clear title by purchasing title insurance on behalf of the buyer, but many homeowners also decide to offer to pay for the buyer's closing costs as well. However, in doing so it is wise to put a cap on the amount of closing costs you are willing to pay by stating that you will pay "up to" a certain predetermined amount.
Pay for inspections or compliance work
Inspections are typically required by lenders before funding a buyer's loan. While in many areas of the country these are typically paid by the buyer, they are almost always negotiable. The same is true of any needed repairs that might be revealed by the inspections. To secure a sale many sellers will offer to pay for inspections and or compliance work "up to" a reasonable amount.
Carry the contract
Owner financing means that the seller acts as the bank by agreeing to accept payments from the buyer. The advantage to offering owner financing is that buyers will be able to save thousands of dollars in loan fees and can often close the sale very quickly. The downside is that you take on additional risk should the buyer default at some future point. Before offering or accepting a sale with owner financing always seek the advice of legal counsel.
Upgrades
Many builders now allocate as much as 5% of their sales price to sales incentives that they offer back to buyers in the form of upgrades. Following suit many homeowners have caught on that this technique can be a great way to set their home apart from the competition by offering kitchen and bathroom upgrades, landscaping upgrades, or even carpet upgrades, to motivate buyers to take action.
Allowance
If your home needs a facelift but you don't have the money to do the work yourself you might consider providing the new buyer with an allowance. An allowance is a credit given to the purchaser to compensate for accepting a home's defects - things like worn out carpets, failing plumbing, or poor drainage.
Free appliances
Many sellers are now offering to provide buyers with their choice of brand new appliance packages. From front load washers and dryers to new convection ovens, and even plasma televisions, these incentives can be a real plus for buyers who have never owned a home before. They can also be a plus for any buyer who wants new appliances, like just about everyone.
Pre-paid utilities
Like getting stung by bee once a month, adjusting to a new mortgage payment can be painful. One way sellers swab on the calamine lotion and make it easier for a buyer is to pre-pay utilities over a certain period of time. This could range from pre-paying for gas, electricity, cable TV, or even internet services.
Pre-paid services
Owning a home isn't easy. You have to clean the darn thing, mow the grass, maintain the heating and air condition systems, clean the pool, clean the gutters, and even change the light bulbs once in a while. Because of this some sellers throw in a pre-paid service like a lawn mowing service, pool cleaning service, or even a housekeeping service, to encourage buyers to step up and write an offer.
Consider your options carefully. Selling incentives can often be just the catalyst your home needs to make the jump from being just an active listing competing with hundreds of other homes for a buyer's attention to a home that sports a pending sale sticker. The key is to choose an incentive that fits your budget and your market. For guidance, explore what other sellers are offering to motivate buyers to take action and consult with a local agent.
Are you interested in selling your home? Give us a call at 972-772-7000 or email us at frontdesk552@kw.com.
Wednesday, January 11, 2012
Pending Sales Rise
Provided By Realty Times
According to the latest report from the National Association of Realtors Pending Homes Sales Index, pending home sales are at the highest level in 19 months.
What has precipitated this rise? Lawrence Yun, NAR chief economist, said the gains may result partially from delayed transactions. "Housing affordability conditions are at a record high and there is a pent-up demand from buyers who’ve been on the sidelines, but contract failures have been running unusually high. Some of the increase in pending home sales appears to be from buyers recommitting after an initial contract ran into problems, often with the mortgage," he said.
There was a 7.3 percent jump in contract signings in November, up 5.9 percent from the year prior. The last time to market had this many signings was in April 2010 when the deadline for the first time home buyer tax credit was "November is doing reasonably well in comparison with the past year. The sustained rise in contract activity suggests that closed existing-home sales, which are the important final economic impact figures, should continue to improve in the months ahead," Yun added.
Regionally, the largest rise was seen in the West, which has previously struggled. It rose 14.9 percent for the Month, giving it a boost of 2.9 percent of November 2010.
The Northeast was close to double-digit gains with a solid 8.1 percent rise. It is still 0.3 percent below last year’s figures. The Midwest is doing well. It is 9.5 percent above November 2010 for pending sales and rose 3.3 percent for the month.
Finally, the South rose 4.3 percent, rising 8.7 percent above last year’s numbers.
Other factors that could have contributed to this rise are recent declines in the unemployment rate. The rate has lingered about 9.0 percent for months, but fell below this mark in recent weeks. Holiday hirings were up, but so were hirings in other sectors.
Consumer confidence peaked 10 points in November to the highest rate seen since the end of the recession and retailers boasted the best holiday sales figures in years. This could signal a return of buyers to the housing market.
Are you interested in the pending sales in your area? Give us a call at 972.772.7000 or email us at frontdesk552@kw.com.
According to the latest report from the National Association of Realtors Pending Homes Sales Index, pending home sales are at the highest level in 19 months.
What has precipitated this rise? Lawrence Yun, NAR chief economist, said the gains may result partially from delayed transactions. "Housing affordability conditions are at a record high and there is a pent-up demand from buyers who’ve been on the sidelines, but contract failures have been running unusually high. Some of the increase in pending home sales appears to be from buyers recommitting after an initial contract ran into problems, often with the mortgage," he said.
There was a 7.3 percent jump in contract signings in November, up 5.9 percent from the year prior. The last time to market had this many signings was in April 2010 when the deadline for the first time home buyer tax credit was "November is doing reasonably well in comparison with the past year. The sustained rise in contract activity suggests that closed existing-home sales, which are the important final economic impact figures, should continue to improve in the months ahead," Yun added.
Regionally, the largest rise was seen in the West, which has previously struggled. It rose 14.9 percent for the Month, giving it a boost of 2.9 percent of November 2010.
The Northeast was close to double-digit gains with a solid 8.1 percent rise. It is still 0.3 percent below last year’s figures. The Midwest is doing well. It is 9.5 percent above November 2010 for pending sales and rose 3.3 percent for the month.
Finally, the South rose 4.3 percent, rising 8.7 percent above last year’s numbers.
Other factors that could have contributed to this rise are recent declines in the unemployment rate. The rate has lingered about 9.0 percent for months, but fell below this mark in recent weeks. Holiday hirings were up, but so were hirings in other sectors.
Consumer confidence peaked 10 points in November to the highest rate seen since the end of the recession and retailers boasted the best holiday sales figures in years. This could signal a return of buyers to the housing market.
Are you interested in the pending sales in your area? Give us a call at 972.772.7000 or email us at frontdesk552@kw.com.
Monday, January 9, 2012
Mortgage Rates Finish 2011 Near Historic Lows
Provided by Realty Times
In Freddie Freddie Mac's results of its Primary Mortgage Market Survey®, the average fixed mortgage rates finishing the year near their all-time historic lows helping to keep homebuyer affordability high.
Averaging 3.95 percent, the 30-year fixed has been at or below 4.00 percent for the past nine consecutive weeks and only twice in 2011 did it average above 5.00 percent.
The 30-year fixed-rate mortgage (FRM) averaged 3.95 percent with an average 0.7 point for the week ending December 29, 2011, up from last week when it averaged 3.91 percent. Last year at this time, the 30-year FRM averaged 4.86 percent.
The 15-year FRM this week averaged 3.24 percent with an average 0.8 point, up from last week when it averaged 3.21 percent. A year ago at this time, the 15-year FRM averaged 4.20 percent.
5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.88 percent this week, with an average 0.6 point, up from last week when it averaged 2.85 percent. A year ago, the 5-year ARM averaged 3.77 percent.
1-year Treasury-indexed ARM averaged 2.78 percent this week with an average 0.6 point, up from last week when it averaged 2.77 percent. At this time last year, the 1-year ARM averaged 3.26 percent.
Attributed to Frank Nothaft, vice president and chief economist, Freddie Mac.
"Mortgage rates ended the year hovering near historic lows in an already affordable housing market. For instance, the seasonally-adjusted S&P/Case-Shiller® 20-City Composite home price index in October was the lowest seen since March 2003. The largest hit areas were Las Vegas with the lowest reading since January 1997 and Atlanta which was since June 1998. It's not surprising then that over 5 percent of households in December plan to purchase a home over the next six months, the highest share since May, according to The Conference Board."
In Freddie Freddie Mac's results of its Primary Mortgage Market Survey®, the average fixed mortgage rates finishing the year near their all-time historic lows helping to keep homebuyer affordability high.
Averaging 3.95 percent, the 30-year fixed has been at or below 4.00 percent for the past nine consecutive weeks and only twice in 2011 did it average above 5.00 percent.
The 30-year fixed-rate mortgage (FRM) averaged 3.95 percent with an average 0.7 point for the week ending December 29, 2011, up from last week when it averaged 3.91 percent. Last year at this time, the 30-year FRM averaged 4.86 percent.
The 15-year FRM this week averaged 3.24 percent with an average 0.8 point, up from last week when it averaged 3.21 percent. A year ago at this time, the 15-year FRM averaged 4.20 percent.
5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.88 percent this week, with an average 0.6 point, up from last week when it averaged 2.85 percent. A year ago, the 5-year ARM averaged 3.77 percent.
1-year Treasury-indexed ARM averaged 2.78 percent this week with an average 0.6 point, up from last week when it averaged 2.77 percent. At this time last year, the 1-year ARM averaged 3.26 percent.
Attributed to Frank Nothaft, vice president and chief economist, Freddie Mac.
"Mortgage rates ended the year hovering near historic lows in an already affordable housing market. For instance, the seasonally-adjusted S&P/Case-Shiller® 20-City Composite home price index in October was the lowest seen since March 2003. The largest hit areas were Las Vegas with the lowest reading since January 1997 and Atlanta which was since June 1998. It's not surprising then that over 5 percent of households in December plan to purchase a home over the next six months, the highest share since May, according to The Conference Board."
Friday, January 6, 2012
Which Home Improvement Projects Offer the Best Returns?
Provided By Realty Times
When it comes to remodeling, exterior replacement projects have routinely rewarded home owners with more bang for their buck. This year is no different: REALTORS® recently rated many exterior improvements as among the most valuable home investment projects as part of the 2011-12 Remodeling Cost vs. Value Report.
"This year's Remodeling Cost vs. Value Report shows the value of putting your home's best façade forward, so to speak," said National Association of REALTORS® President Moe Veissi. "Inexpensive exterior replacement projects are not only crucial to a home's regular upkeep, but are also expected to recoup close to 70 percent of costs. Specific exterior projects such as siding, window and door replacements are part of regular home maintenance, so many homeowners are already undertaking them. These projects also do not require expensive materials and they have the added bonus of instantly adding curb appeal."
HouseLogic.com, NAR's consumer Web site, includes dozens of remodeling projects, from kitchens and baths to siding replacements, which indicate the recouped value of the project based on a national average. According to the Cost vs. Value, seven of the top 10 most cost-effective projects nationally in terms of value recouped are exterior replacement projects. REALTORS® judged an upscale fiber-cement siding replacement as the project expected to return the most money, with an estimated 78 percent of costs recouped upon resale.
Two additional siding replacement projects were in the top 10, including foam-backed vinyl siding, expected to return 69.6 percent of costs, and upscale vinyl siding, expected to recoup 69.5 percent of costs. Three door replacements were also among the top exterior replacement projects. The steel entry door replacement is the least expensive project in the report, costing little more than $1,200 on average and expected to recoup 73 percent of costs.
The upscale garage door replacement jumped seven spots to number six this year, primarily due to the average cost of the project declining more than 15 percent nationally. The upscale and midrange garage door replacement projects are expected to return more than 71 percent of costs. One window replacement project - upscale vinyl - rounded out the last exterior replacement project in the top 10, expected to recoup 69.1 percent of costs.
The 2011-12 Remodeling Cost vs. Value Report compares construction costs with resale values for 35 midrange and upscale remodeling projects comprising additions, remodels, and replacements in 80 markets across the country. Data are grouped in nine U.S. regions, following the divisions established by the U.S. Census Bureau. This is the 14th consecutive year that the report, which is produced by Remodeling magazine publisher Hanley Wood LLC, was completed in cooperation with NAR.
When it comes to remodeling, exterior replacement projects have routinely rewarded home owners with more bang for their buck. This year is no different: REALTORS® recently rated many exterior improvements as among the most valuable home investment projects as part of the 2011-12 Remodeling Cost vs. Value Report.
"This year's Remodeling Cost vs. Value Report shows the value of putting your home's best façade forward, so to speak," said National Association of REALTORS® President Moe Veissi. "Inexpensive exterior replacement projects are not only crucial to a home's regular upkeep, but are also expected to recoup close to 70 percent of costs. Specific exterior projects such as siding, window and door replacements are part of regular home maintenance, so many homeowners are already undertaking them. These projects also do not require expensive materials and they have the added bonus of instantly adding curb appeal."
HouseLogic.com, NAR's consumer Web site, includes dozens of remodeling projects, from kitchens and baths to siding replacements, which indicate the recouped value of the project based on a national average. According to the Cost vs. Value, seven of the top 10 most cost-effective projects nationally in terms of value recouped are exterior replacement projects. REALTORS® judged an upscale fiber-cement siding replacement as the project expected to return the most money, with an estimated 78 percent of costs recouped upon resale.
Two additional siding replacement projects were in the top 10, including foam-backed vinyl siding, expected to return 69.6 percent of costs, and upscale vinyl siding, expected to recoup 69.5 percent of costs. Three door replacements were also among the top exterior replacement projects. The steel entry door replacement is the least expensive project in the report, costing little more than $1,200 on average and expected to recoup 73 percent of costs.
The upscale garage door replacement jumped seven spots to number six this year, primarily due to the average cost of the project declining more than 15 percent nationally. The upscale and midrange garage door replacement projects are expected to return more than 71 percent of costs. One window replacement project - upscale vinyl - rounded out the last exterior replacement project in the top 10, expected to recoup 69.1 percent of costs.
The 2011-12 Remodeling Cost vs. Value Report compares construction costs with resale values for 35 midrange and upscale remodeling projects comprising additions, remodels, and replacements in 80 markets across the country. Data are grouped in nine U.S. regions, following the divisions established by the U.S. Census Bureau. This is the 14th consecutive year that the report, which is produced by Remodeling magazine publisher Hanley Wood LLC, was completed in cooperation with NAR.
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