Have a bathroom that could use some updating? Well, sometimes it doesn’t have to be a lot! You can stay within your budget!
One of my favorite designers is incredible, she lives in California – one of my favorite places. So I wanted to share a really cool video that she has on youtube, in fact, she has lots of awesome videos. I’ve watched her decorating videos for years…and years! Because secretly, I think I really wanted to be an interior designer too!
Hope you like it as much as I do and get some great ideas! I also love to go look at model homes… you can get so many great ideas for decorating. Take a look at the ideas in the video and let me know what you think!
Super Charge Your Search for Properties that are FOR SALE and FOR RENT!
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Wondering what the rental prices are in an area? You can quickly see when you pull up the downloaded Millions Mapped App and filter for both homes for sale and rental properties in the area too!
Thinking about putting your home on the market? See your competition in the palm of your hand! Get up to the minute real estate and rental data -look now longer.
Wow…James & Patricia, down the street, just put their home on the market! I wonder what they are asking for their home… Now in the palm of your hands, open your Millions Mapped App and you can get this information!
Keeping current matters in the real estate market, whether buying, investing, selling or simply a homeowner you can have this information in the palm of your hands! Download the FREE app now you don’t want to miss out.
The title commitment is produced after the title company has received a copy of a signed sales contract and a check for earnest money. The commitment reviews the status of title, lists title issues and defects that need to be addressed or “cured” before closing, and states any other preconditions to issuance of a title policy.
The title commitment consists of Schedules A through D plus various notices and disclaimers.
Schedule A Sets out the date of the commitment, who the title company is proposing to insure (both purchaser & lender –if financed), the amount of title liability, the property title is insuring and how title to the property is currently held.
Schedule B lists exclusions and exceptions to coverage, including such matters as deed restrictions, setback requirements, and utility easements. These are items that affect the property and will probably always affect the property.
Schedule C Shows items that must be resolved prior to closing. These items might include include existing liens, bankruptcies, abstracts of judgement, marital status issues, probate issues, vesting problems or mechanic’s lien affidavits.The title company routinely requires release of these. If there are more serious issues like mechanic’s liens, judgments against the seller, tax liens, lawsuits affecting title, heirship issues due to a previous owner dying without a will, or gaps in the chain of title, the commitment will indicate what must be done if title is to be insured in the name of the new owner. Specific curative action may be required.
Schedule D is a disclosure of ownership of the title insurance company and underwriter as required by regulatory law. It also shows the estimated premiums to be charged at closing. Please review your contract to determine what you will be charged.
Please note this information does not constitute legal advise
INFORMATION FOR OUR CLIENTS ONLY PROVIDED IN YOUR eBOOKLET
In short, title insurance protects against problems affecting the title to your home. You may think having a serious problem with your title is rather remote, but, in fact, title companies find problems in 25% of their title searches. Common problems are liens against the property from unpaid sub-contractors, unpaid property or income taxes or judgment holders. Other issues that can cloud title that are not so easy to detect include forged signatures in the chain of title, recording errors, undisclosed easements and title claims by missing heirs or ex-spouses.
There are two types of title insurance—an owner’s policy and a lender’s policy. When you obtain a new loan, the lender will require you to purchase a lender’s policy. A lender’s title policy protects the lender’s interest in the property should a problem arise. It does not cover the owner’s equity in the property, and will not pay the homeowner’s legal expenses if there is a problem. Only an owner’s title insurance policy will protect the homeowner. Owner’s title insurance is optional, but it protects the homeowner by paying claims and legal fees should a problem arise with the title of a property. Owner’s title insurance is purchased for a one-time fee at the original purchase and provides coverage for as long as you own an interest in the property or provide financing for a subsequent buyer. It also covers any liabilities you have under the title warranties you make when you sell the property.
A title insurance policy is your protection against loss of your rights to the property. When you consider that your home is probably your most valuable asset, title insurance makes fnancial sense.
If your thinking about buying or selling you home, you need to consider using a professional to help you navigate the journey.
We can help you put all the pieces together.
With first hand knowledge of the market, in our area, we run stat reports for the trends from one neighborhood area to another-yes they can be different. Are homes selling for 97% or 101% of asking price? How do you know what the best offer is when selling your home…is it really just the sales price? What does it take to win when a buyer is in multiple offers? What is the inventory like…the absorption rate? We help you understand the different dynamics of accepting an offer or presenting an offer and our consulting skills help you understand your options so you can make intelligent choices.
ACCESS TO HOMES
Whether buying or selling a home there needs to be good access to the home. Buyers usually need a Realtor® or agent to access a home-unless it is an open house. The good news for a buyer is it costs the buyers nothing to hire a Realtor®. Seller’s generally find having an agent is a much safer alternative than just allowing anyone into their home. The use of a secure lockbox that only a buyers agent has access to is generally the best way for allowing buyers access to tour the home. If you are considering FSBO, consider your safety…who is actually coming into your home and why are they really there?
As a REALTOR® who has worked with many service providers over the years, we can recommend excellent trustworthy lenders, inspectors, title companies and even lawyers, if the need arises. We have a special list of local service providers who we trust and can recommendation, from interior designers, stagers, plumbers, electricians, handymen and other service trades throughout the real estate transaction and when you hire us we are happy to share these resources.
When we represent you, you’ll have an experienced advocate and negotiator. Buying a home is an emotional process. For most people, it’s the biggest transaction of their life and it’s often done during other major life changes, such as a job relocation, “right” sizing for a growing family or empty nesters, or in the unfortunate event of a job loss, a bankruptcy or even a divorce. Strong emotions and stress can muddle ones judgment – this can cause you to make a decision you might later regret.
As your agent, we look at a transaction from a business perspective with an experienced, clearer and unemotional perspective. We can help you better understand your options, and serve as a balance against making decisions that might be reckless. Sometimes even family member who are trying to protect you may even give you advice that is incorrect.
When at the negotiating table, we are your advocate…we treat your money like it is our money. Money is an emotional issue and we’ll get you the best deal possible, without letting strong feelings get in the way. At Triple Crown Realty, this is particularly true – we want you to be 100 percent satisfied with the home you purchase.
On the buy-side, an agent services are free. Some believe that they’ll save money by not using an agent to buy a home. This isn’t true. The entire commission on a home purchase is paid by the seller to the seller’s broker, who in turn gives part of the commission (usually half) to the buyer’s broker.
It’s tempting to think that if you don’t use an agent, you will save money, but this is generally not the case. Before the listing even goes on the market, the commission rate is agreed upon via a listing agreement contract with the listing agent and the seller. If you as a buyer, decide you don’t need representation from a buyer’s agent, the entire commission is then paid to the listing agents broker. The listing agents broker would have to agree to change the listing agreement contract to cut you in on part of that compensation, and this is highly unlikely.
DOCUMENT AND TRANSACTION DETAILS
Drafting or receiving a contract can be complex and knowing the contract inside and out is very important. As you can imagine, every –i- must be dotted and every –t- must be crossed, because there are 100 pieces of paper requiring upwards to 43 signatures and initials, and making a mistake can be very costly to you.
Every item in the contract is important. Failing to know the importance of certain line items could cost you a lot of money down the road. Knowing what to look for or how to write an offer with the the best possible terms allows us to ensure your interests are protected and that your offer is accepted.
Why it is important to use a full time experienced REALTOR®? Every transaction has 100 to 150 phone calls alone, and each one of them is loaded with critical details. How does it make you feel knowing that there are 43 different people from 14 different industries who get involved during the seven stages of your transaction?
FIND THE RIGHT FIT
It’s important that you find an agent that is dedicated, knowledgeable about the different aspects of the transaction and has no conflict of interests. It is important they are committed to you! We believe good communication, transparency and working hard for our clients is very important… for you choosing the right agent is just as important as making sure a home is the right fit for you!
See what the online sites say themselves in the fine print! If consumers buying real estate don’t need professionals its like saying you don’t need a doctor ~ you can google it to find the diagnosis. A professional real estate agent is worth every penny! Have you ever regretted hiring an amateur? For sure there has been at least one time in your life you have regretted it … especially if you’ve been here long enough.
Is spring closer than we think? Depending on which Groundhog you witnessed today, you may have less time than you think to get your home on the market before the busy spring season.
Many sellers feel that the spring is the best time to place their home on the market as buyer demand traditionally increases at that time of year. However, the next six weeks before spring hits also have their own advantages.
Here are five reasons to sell now.
1. Demand is Strong
Foot traffic refers to the number of people out actually physically looking at homes right now. The latest foot traffic numbers show that buyers are still out in force looking for their dream home. These buyers are ready, willing and able to buy…and are in the market right now!
Take advantage of the strong buyer activity currently in the market.
2. There Is Less Competition Now
Housing supply just dropped to 3.9 months, which is well under the 6 months’ supply that is needed for a normal housing market. This means, in many areas, there are not enough homes for sale to satisfy the number of buyers in that market. This is good news for home prices. However, additional inventory is about to come to market.
There is a pent-up desire for many homeowners to move, as they were unable to sell over the last few years because of a negative equity situation. Homeowners are now seeing a return to positive equity as real estate values have increased over the last three years. Many of these homes will be coming to the market in the near future.
Also, new construction of single-family homes is again beginning to increase. A study by Harris Pollrevealed that 41% of buyers would prefer to buy a new home while only 21% prefer an existing home (38% had no preference).
The choices buyers have will increase in the spring. Don’t wait until all this other inventory of homes comes to market before you sell.
3. The Process Will Be Quicker
One of the biggest challenges of the housing market has been the length of time it takes from contract to closing. Banks are requiring more and more paperwork before approving a mortgage. There is less overall business done in the winter. Therefore, the process will be less onerous than it will be in the spring. Getting your house sold and closed before the spring delays begin will lend itself to a smoother transaction.
4. There Will Never Be a Better Time to Move-Up
If you are moving up to a larger, more expensive home, consider doing it now. Prices are projected to appreciate by 5.4% over the next 12 months according to CoreLogic. If you are moving to a higher priced home, it will wind-up costing you more in raw dollars (both in down payment and mortgage payment) if you wait. You can also lock-in your 30-year housing expense with an interest rate below 4% right now. Rates are projected to rise by three-quarters of a percent by the end of 2016.
5. It’s Time to Move On with Your Life
Look at the reason you decided to sell in the first place and determine whether it is worth waiting. Is money more important than being with family? Is money more important than your health? Is money more important than having the freedom to go on with your life the way you think you should?
Only you know the answers to the questions above. You have the power to take back control of the situation by putting your home on the market. Perhaps, the time has come for you and your family to move on and start living the life you desire.