Central Iowa Real Estate BlogRecently posted or modified blog posts in the category - FAQhttps://www.realadvantagepartners.com/blog/Copyright RealAdvantagePartners.com2024-02-12T08:20:43-07:00tag:realadvantagepartners.com,2012-09-20:4178Quiz: Real Estate MythsIt's mid-term, so you know what that means - POP QUIZ! Don't worry. We'll go easy on you. It’s just TRUE or FALSE:<br /><br />TRUE or FALSE: You need 20% down to buy a house. <br />False. In fact, the average first-time buyer puts down 6%, with some loan programs allowing as little as 3% or even zero down. <br /><br />TRUE OR FALSE: I don’t need to shop for mortgage rates. They’re all the same.<br />False (again!): Like any big purchase, you’ve got to comparison shop! Not all mortgage rates are the same, not to mention closing costs and other fees vary from lender to lender.<br /><br />TRUE OR FALSE: I can save by hiring a real estate agent to help sell my home. <br />True: FSBO homes tend to sell for 26% less than agent-assisted homes. Want that in dollars? In 2020, FSBO homes sold for a median of $217,900. Agented-assisted homes? $295,500.<br /><br />How’d you do? Aced it, no doubt! If you have other mortgage or real estate questions on the brain, drop them in the comments below. We are happy to answer!2024-03-13T08:36:00-07:002024-02-12T08:20:43-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:7454HELOC or HELOAN: What’s the Difference?Did you know you can access your home’s equity without selling your home? A home equity line of credit (HELOC) and a home equity loan (HELOAN) are both types of financing that allow you to borrow against the equity you’ve built in your home. With the money you receive from these home equity options, you have the flexibility to tackle home renovations, consolidate debts, invest in education or meet other financial goals that are important to you.
What’s home equity?<br />Home equity refers to the portion of your property that you truly own. It’s the value of your home minus what you owe on your mortgage. At closing, the only equity you have in your home is likely from your down payment. But every time you make a mortgage payment, you reduce your debt which may build your home equity. The second way to boost your home equity is if your property’s value goes up. If the housing market is doing well or you make improvements to your place that make it more valuable, your home’s worth can increase. HELOCs and HELOANs are two common ways homeowners access their home equity.
What’s a HELOC, and what are the qualifications to get one?<br />A HELOC is a line of credit secured by your home. You can use your revolving credit line to tap into the equity you’ve built up in your home for large purchases such as tuition, renovations and emergency expenses. Since HELOCs rely on your home’s equity, you can’t borrow more than the value of equity in your home, which is the appraised value of your property minus the remaining balance on your mortgage.
With a HELOC, you have the flexibility to borrow and repay as needed, and you’re only charged interest on the outstanding balance. For example, if you have a HELOC limit of $50,000 but only use $20,000 for a home improvement project, you’ll only pay interest on that $20,000 rather than the entire $50,000.
In addition to your credit history, your income, debt, employment situation and other factors relating to your ability to repay the loan will play a role in qualifying for a home equity option.
What’s a HELOAN, and who qualifies?<br />A home equity loan (HELOAN) provides up to 95 percent of your home’s equity as a piggyback second mortgage. The HELOAN is an additional loan you take out on top of your existing mortgage, which results in two separate loan payments. In contrast, a cash-out refinance transforms your first mortgage into a completely new mortgage.
A HELOAN offers flexible loan terms and fast funding. Credit scores as low as 640 may qualify for a HELOAN.
Have questions? Reach out - we'd love to talk!2024-01-22T11:42:00-07:002024-01-08T10:06:24-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:7443Multi-Generational Homes: Pros And ConsIf you’re thinking of giving multigenerational living a try, there’s lots to consider.
While there are many plus points, there are also some inevitable downsides too. Being aware of both sides of the coin is vital if you want to make an informed decision on such a big move, so we’ve put together an article to help you out. Our guide to the pros and cons of multigenerational living will hopefully give you a solid foundation on which to base your decision.
Let’s start off, though, with a brief overview of why multigenerational living arrangements are seeing a resurgence in modern-day America.
The rising popularity of multigenerational living
Multigenerational living, whereby more than two generations of a family cohabit under a single roof, has witnessed a noticeable upsurge across the country in recent years.
This style of cohabitation, once a staple of Victorian England, is regaining traction due to various socio-economic, cultural, and wellness considerations.
Socio-economic factors
As we delve into socioeconomic influences, it’s essential to acknowledge the overarching role of housing affordability.
The escalating property prices in numerous UK locales have rendered homeownership a distant dream for many, particularly the younger demographic. Consequently, multiple generations pooling resources to secure a singular property is becoming an increasingly viable solution.
Moreover, the financial burden of childcare and elderly care is alleviated to a certain extent in a multigenerational setup. Adult children can provide care for ageing parents, while grandparents can offer invaluable assistance in childcare, thereby reducing the need for external - and often costly - care services.
Additionally, with the rising cost of education, staying at home during further studies becomes a prudent decision for many students, thereby organically fostering a multigenerational living environment.
Cultural and social influences
Culturally, the modern US family is becoming more cohesive and interdependent, partially driven by influences from other cultures where multigenerational living is a norm.
Moreover, the recognition of the social and emotional benefits that stem from close-knit family environments is encouraging many to consider this living arrangement. A household bustling with the daily activities of children, parents, and grandparents creates a vibrant, supportive environment where familial bonds are consistently nurtured.
Health and wellness considerations
After the turbulent waves of the global pandemic, many families have recognised the health and emotional benefits anchored in multigenerational living.
Not only does this setup facilitate practical support during health crises, but it also lays down a robust emotional infrastructure wherein mental and emotional wellness is upheld through familial relationships.
The younger generation gains access to a wealth of experience and wisdom from their elders, whilst the older generation can enjoy an enriched, active lifestyle in a family-oriented environment.
Pros of multigenerational living<br />The tapestry of multigenerational living, woven with the threads of companionship, support, and shared responsibilities, naturally comes with several advantages.
Below, we take you through some of the benefits that take into account financial, emotional, and practical realms, showing why numerous families across the country are opting for this harmonious way of living.
Financial benefits
Shared costs<br />One of the main advantages that emerge from a multigenerational living arrangement is the distribution of financial burdens. Utilities, mortgage or rent, groceries, and maintenance costs, when shared among family members, significantly diminish the individual financial load.
This allows for a more manageable and collective approach towards handling household expenses.
Potential for enhanced financial stability<br />Additionally, with varied generations contributing to the family's economic pool, it often results in a more financially stable environment. Savings can be bolstered, investments can be strategised collaboratively, and financial risks can be mitigated with the collective wisdom and resources of the family.
Moreover, this arrangement may facilitate members to pursue further education or entrepreneurial ventures, thanks to the domestic financial stability.
Emotional and social aspects
Strengthened family bonds<br />The day-to-day interactions, shared meals, celebrations, and even navigating through conflicts together fortify family bonds.
This consistent closeness allows generations to understand, appreciate, and learn from one another, thus sowing seeds of deep-rooted relationships that often blossom into strong familial ties.
Shared responsibilities and support<br />Being present in a household where one can both lend and seek support fosters a nurturing environment.
From sharing daily chores to providing emotional support in times of distress, the multi-faceted support system inherent in multigenerational living is indeed invaluable.
Practicality and convenience
Shared childcare and elderly care<br />One of the cardinal practical advantages is the intrinsic system of care that evolves within the family.
Grandparents may find joy and purpose in contributing to childcare, while younger members ensure that the elders in the family receive necessary care and attention, crafting a symbiotic environment where care is both provided and received.
House maintenance and upkeep<br />The collective effort towards housekeeping and maintenance also becomes a notable advantage.
Varied skill sets and physical capabilities of different generations ensure that the residence is well-kept and maintained, circumventing the need for external help and thus, fostering a sense of collective accomplishment and pride.
Cons of multigenerational living<br />While multigenerational living undoubtedly provides plenty of benefits, it’s also accompanied by a set of challenges that families need to navigate.
To properly understand this living arrangement and ensure that families are making informed decisions, it’s crucial to explore some of the potential downsides.
From privacy concerns to relationship strains, let’s delve into some aspects everyone should take into consideration.
Privacy concerns
Shared spaces<br />In multigenerational homes, private spaces are naturally limited due to the need to accommodate various family members.
The shared usage of common areas, such as the kitchen, living room, and bathroom, can sometimes lead to a feeling of congestion and a lack of personal space, which is essential for individual well-being.
Limited personal time<br />Balancing personal time can become challenging in a bustling multigenerational environment.
With family always around, finding moments of solitude or spending quality time as a nuclear family or couple may require deliberate planning and coordination, which isn’t always as straightforward as it sounds.
Financial implications
Managing collective budgets<br />While shared costs are a perk, managing a collective budget can be tricky. Differences in spending habits, financial priorities, and contributing capabilities among family members might spark disagreements or create tension within the household.
Potential dependency issues<br />There’s also a risk of fostering financial dependency among family members, as the collective pooling of resources may inadvertently discourage individual financial responsibility and planning, particularly amongst younger adults.
Relationship strains
Different generational perspectives and values<br />Harmonising varied generational perspectives, values, and lifestyles under one roof can be challenging.
Disparities in viewpoints related to discipline, lifestyle choices, and even trivial matters like decor can potentially fuel conflicts.
Disagreements on household management<br />With multiple adults in a single household, differences in opinions regarding household management, child-rearing practices, and shared responsibilities are inevitable.
Navigating through these disagreements while maintaining a peaceful cohabitation can be tricky and emotionally taxing.2023-12-27T09:22:00-07:002023-12-15T09:39:07-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:7214Guest Room Essentials5-Star Hotel, who this?! — that’s our motto when it comes to hosting family and friends! How do we do it?
Here's how —> Our team's list of guest room necessities that we fine-tuned (you should have seen the first draft!) over the years.
Now it's yours, free for the taking just in time for holiday visitors!
✓ Visible WIFI password<br />✓ Phone charger<br />✓ Luggage rack<br />✓ Q-tips<br />✓ Makeup wipes<br />✓ Lotion<br />✓ Body wash<br />✓ Full-length mirror<br />✓ Wastebasket<br />✓ Tissues<br />✓ Extra towels <br />✓ Extra hangers<br />✓ Clothes steamer<br />✓ Sound machine<br />✓ Jewelry dish<br />✓ Wall or door hooks<br />✓ TV remote <br />✓ Extra blankets
Plus, you can take it to the next level:<br />Include a handwritten welcome note on the bedside table. Share a few places to grab a coffee, breakfast, groceries and 1-2 local shops you love!<br />They'll feel like you've really gone above and beyond as a host!
The only downside? With this list, your guests may never want to leave!!
Happy hosting — and, of course, save this post for later, or share it with a friend who wants to up their guest room game!2023-11-17T12:28:00-07:002023-10-31T11:34:10-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:7155What You Need to Know About SE Polk SchoolsSoutheast Polk School District is located in the vibrant, growing, and thriving central Iowa area, a community of communities offering endless academic, career, entertainment, dining, and shopping opportunities.
This growing district serves more than 7,000 students from kindergarten through 12th grade and is projected to continue to flourish. The district serves the communities of Altoona, Pleasant Hill, Mitchellville, Runnells, Des Moines, and surrounding areas, covering 114 square miles in southern Polk county. The district employs roughly 1031 talented professionals.
Here are some quick facts about Southeast Polk Schools*
7,350 Students<br />457 Teachers<br />Teachers with 3 or more years experience: 98%<br />Student:Teacher Ratio 16:1<br />Full-time school counselors: 11<br />8 Elementary Schools<br />1 Intermediate School<br />1 Junior High School<br />1 High School<br />Graduation Rate: 94% (Top 30% in Iowa)<br />Math Proficiency: 73% (Top 30%)<br />Reading Proficiency: 73% (Top 50%)
*Source: Public School Review2023-11-15T12:11:00-07:002023-10-19T11:30:58-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:7156What You Need to Know About Bondurant-Farrar SchoolsLocated less than 10 miles from Des Moines, Ankeny, and Altoona; Bondurant offers small town living with the close convenience of a major metropolitan area. In Bondurant, you’ll find friendly neighbors, a great school system, and plenty of room to enjoy the outdoors.
The size of the Bondurant-Farrar Community School District allows students the individual attention needed to succeed, while providing the advantages of a bigger school.
The district serves more than 2,640 students from preschool through grade 12, and is projected to grow annually for the next several years. The campus on Garfield Street is 55 acres in size and home to two elementary schools, one intermediate school, and the district’s transportation facility. The Grant Street campus is home to the high school, Bluejay Stadium, and the new junior high building.
Here are some quick facts about Bondurant schools*:
2,627 Students<br />167 Teachers<br />Teachers with 3 or more years experience: 87%<br />Student-Teacher Ratio: 16:1<br />Full-time school counselors: 3<br />Preschool - 2nd Grade: Morris Elementary<br />2nd - 4th Grade: Anderson Elementary<br />5th - 6th Grade: Bondurant-Farrar Intermediate School<br />7th - 8th Grade: Bondurant-Farrar Junior High<br />9th - 12th Grade: Bondurant-Farrar High School<br />High school graduation rate: 95%<br />Math proficiency: 68% (Top 50%)<br />Reading proficiency: 75% (Top 30%)
*Source: Public School Review2023-11-10T12:21:00-07:002023-10-19T11:31:34-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:6998Investment Property Insights: Should you rent your home out?Ever thought about turning your spare bedroom, basement, or even your entire property into a cash machine? Real estate can be a potent source of passive income when managed right. Here's how:
💡 Remember, your home is more than just your sanctuary, it can be your asset too. And the beautiful part? You're the one in control. You decide who lives there, for how long, and at what cost.<br />💡 Understand your market. What kind of tenants are you aiming for? Long-term or short-term, professionals, students, or vacationers? Each choice will have different implications, so research is key.<br />💡 Get to know your local regulations. Can you rent out your home on Airbnb? Are there specific rules about rentals in your area? Ignorance isn't bliss in the world of property rentals. It's best to know the lay of the land.<br />💡 Estimate your potential rental income and costs. Consider factors like rental rates in your area, potential vacancy periods, maintenance costs, and insurance. This will give you a realistic idea of your potential earnings and expenses.<br />💡 Don't underestimate the importance of a good property manager. If you don't have the time or the inclination to deal with tenants, maintenance, and all the legalities, a property manager can be worth their weight in gold.
There you go! Five points to get you started on the journey to transforming your home into an income-generating asset. It's not for everyone, but if the shoe fits... well, you just might find yourself with an extra stream of income.
Feel like you might want to explore this path? Our team has years of experience in real estae investing and property managment (yeah, we do have some scary stories too). We're here to guide you through. Let's sit down, analyze your property, and map out the best plan to meet your goals.2023-11-08T06:00:00-07:002023-09-18T12:19:01-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:6795How we determine the price of a homeOne thing we get asked all the time:
Why are homes in the same neighborhood priced so differently?
Sadly, sometimes, it's user error. A seller took the bad advice to price high and "see what happens."
(Side note: Don't do that. It prolongs the process, frustrates buyers, and flat-out won't get you top dollar. Rant over.)
As a local agents, we can tell you that pricing a home can be a bit like putting together a puzzle. But once the pieces are there, everything comes together to reveal a home that's priced just as it should be for buyers AND sellers.
That said, here's how our team determines the price of a home:
Step 1) Research Comparable Homes: We dig deep into recent sales of homes that are similar to the one you're interested in. Size, location, age, and condition are key factors we consider.
Step 2) Factor in Market Conditions: Is it a buyer's or seller's market? We analyze trends to see how they affect the demand and supply in the area.
Step 3) Adjust for Unique Features: A house isn't just four walls and a roof, right? We take into account special features, like a pool or an upgraded kitchen, that can make a difference in the price.
Step 4) Put it All Together: Using all this info, we create a Comparative Market Analysis (CMA) that helps pinpoint the right price range for your home.
Now, here's the thing: pricing a home isn't an exact science.
There are lots of variables to consider, and it can be tricky to get it just right. That's why it's so important to work with an experienced agent who can help you avoid overpricing or underpricing your home. Even better: Work with a team that brings a huge amount of real estate experience, knowledge and insight to your situation.
If you're curious about what your home is worth or how much you can afford to spend on a new one, we would love to chat with you. Reach out - that's why we're hear.2023-10-16T11:45:00-07:002023-08-11T11:55:24-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:6360Remodeling Projects with the Best ROIHome remodeling projects can be a great way to improve the comfort, functionality and salability of your home, but they can also be a major investment. If you're considering a home renovation project, it's important to choose projects that offer a good return on investment (ROI) when it comes time to sell your home. Here are some home remodeling projects that tend to have high ROI:
Minor Kitchen Remodel: Updating the kitchen can be a great way to increase your home's value. A minor kitchen remodel typically includes things like replacing cabinets and countertops, updating appliances, and adding new lighting.
Bathroom Remodel: A bathroom remodel can also offer a good ROI. Updating fixtures, adding new tile, and replacing the vanity are all relatively affordable updates that can give your bathroom a fresh look.
Exterior Improvements: Improving your home's curb appeal can be a great way to boost its value. Projects like replacing the front door, adding a new garage door, or updating the siding can all make a big impact.
Deck Addition: Adding a deck can be a great way to expand your living space and increase your home's value. A well-designed deck can be a great selling point for potential buyers.
Attic Conversion: If you have an unfinished attic space, converting it into a usable living space can be a great way to add square footage to your home. An attic conversion can be a major project, but it can offer a good ROI.
It's important to keep in mind that the ROI of a home remodeling project can vary depending on factors like the local housing market, quality of the materials used, and quality of the workmanship. It's always a good idea to consult with a professional contractor or real estate professional before starting a major home renovation project to ensure that you're making smart investments in your home.2023-09-08T09:33:00-07:002023-06-07T09:38:24-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:6340'Green' Methods for Cleaning Your HomeThere are several environmentally friendly or "green" ways to clean your home, including:
Vinegar and baking soda: Mix equal parts vinegar and water in a spray bottle, and spray onto surfaces that need cleaning. Let the solution sit for a few minutes, then sprinkle baking soda on the surface and scrub with a cloth or sponge. This is a great way to clean and deodorize surfaces without using harsh chemicals.
Lemon juice: Lemon juice can be used to clean and deodorize surfaces, and can also be used to remove stains. Mix lemon juice with water and use it to clean countertops, cutting boards, and other surfaces.
Essential oils: Essential oils such as tea tree oil, lavender, and eucalyptus can be used to clean and disinfect surfaces. Mix a few drops of essential oil with water in a spray bottle and use it to clean surfaces.
Microfiber cloths: Microfiber cloths are great for cleaning because they are absorbent and can be washed and reused. Use a microfiber cloth to clean surfaces with water or a green cleaning solution.
Steam cleaning: Steam cleaning is a great way to clean and disinfect surfaces without using chemicals. Use a steam cleaner to clean carpets, upholstery, and hard surfaces.
By using these green cleaning methods, you can clean your home while minimizing your impact on the environment.2023-09-06T06:39:00-07:002023-06-07T09:32:45-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:63467 Steps to Power Washing Your HomeHere are the steps for power washing your home:
1. Choose the right pressure washer: You'll need a pressure washer with at least 2,000 PSI and 3-4 GPM to clean your home effectively.
2. Prepare the area: Before you start power washing, remove any furniture, plants, or outdoor decorations that might get in the way. Cover any electrical outlets, lights, or other fixtures to protect them from water damage.
3. Apply detergent: Apply a cleaning solution to the surface you're cleaning, following the manufacturer's instructions. Allow the detergent to sit for 5-10 minutes to loosen dirt and grime.
4. Power wash: Attach the appropriate nozzle to your pressure washer, and start at the top of the area you're cleaning, working your way down. Use smooth, overlapping strokes to avoid streaking.
5. Rinse: After you've power washed the area, rinse it thoroughly with clean water to remove any remaining detergent.
6. Repeat: Depending on how dirty the surface is, you may need to repeat the process of applying detergent and power washing.
7. Clean up: Once you've finished power washing, turn off the pressure washer and disconnect it from the power source. Rinse off any tools or accessories you used, and store them in a safe place.
It's important to note that power washing can damage certain surfaces, such as wood, so be sure to use the appropriate pressure and nozzle for the surface you're cleaning. If you're not comfortable power washing your home yourself, it's always a good idea to hire a professional - we have a few we can recommend!2023-08-25T08:05:00-07:002023-06-07T09:03:30-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:6353Essentials of DeclutteringDecluttering your house can be a daunting task, but it's a great way to create a more organized and spacious living environment. Here are some tips to help you declutter:
Start small: Begin with one room or one area at a time. This will help you avoid feeling overwhelmed and make the process more manageable.
Create categories: Sort your items into categories such as keep, donate, sell, or throw away. This will help you stay organized and make decisions about what to keep and what to get rid of.
Ask yourself questions: As you go through your items, ask yourself questions such as "When was the last time I used this?" or "Does this item bring me joy or serve a purpose?" This can help you make more informed decisions about what to keep and what to let go of.
Use storage solutions: Invest in storage solutions such as baskets, shelves, and storage containers to help keep your items organized and easily accessible.
Get rid of duplicates: If you have multiples of the same item, consider getting rid of the extras to free up space.
Schedule regular decluttering sessions: Set aside time each week or month to declutter and organize your space to help maintain a clutter-free environment.
Remember, decluttering is a process, and it may take time to fully transform your living space. Be patient with yourself and enjoy the benefits of a more organized and clutter-free home. As our team has staged, shown and sold 100's of homes, we've learned a lot about home organizing, including decluttering. Reach out if you have questions or some tips of your own!2023-08-18T08:45:00-07:002023-06-07T08:51:26-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5026Real Estate Investing: Buying a Home vs. StocksHave you been wondering this:
In fact, we are even going to break it down into two lists for you, highlighting the pros of each from our friends over at Investopedia. Pretty sure this will help you quickly identify where your goals and aspirations lie.
Pros of investing in property:
- Passive income<br />- Tax advantages<br />- Hedge against inflation<br />- Ability to leverage
Pros of investing in stocks:
- Highly liquid<br />- Easy to diversify<br />- Low transaction fees<br />- Easy to add tax-advantaged retirement accounts
Does this help to answer your question? Is there anything else you wonder about investing? If so, let us know and we will help.
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Here’s the thing: Building a new home is exciting, but it’s also time-consuming and can be stressful (to put it mildly). That’s why we want to share 4 mistakes homeowners make when building that could be 100% avoided with a little planning and guidance on the front end:
→ Not setting a realistic budget: Building a new home can quickly become expensive if you don't set a realistic budget from the start. You must consider all the expenses, from permits to finishes, and plan accordingly.
→ Skipping the planning phase: It's important to take the time to plan out every detail of your new home, from the layout to the finishes. Rushing through this phase can result in costly mistakes and regrets down the line.
→ Choosing the wrong builder: Choosing the right builder is crucial when building a new home. Do your research and choose someone with a good reputation, experience, and a proven track record in the city or neighborhood where you want to build.
→ Neglecting future needs: It's important to consider your future needs when building a new home. Will your family be growing (or shrinking)? Will you need more storage space? Consider these factors when planning out your new home.
What questions do you have about building? Reach out and let's talk!2023-06-16T11:15:00-07:002023-04-18T11:21:51-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5793Tips for DIY StagingAlright, it’s time to talk staging. For the love, people, it doesn’t have to be all or nothing.
So often, sellers don’t even try to stage their homes because 1) they feel like it’s too much work, 2) they don’t know how, or 3) they don’t want to hire a professional.
And to be honest, this is something we struggle with myself. We can be all or nothing on LOTS of things. But thankfully, staging isn’t one of them.
First thing to know: We know staging is critical to a successful home showing, whether it is live or online, which is why our team will help you make your home look its best. But these DIY staging tips will truly help you overcome your staging paralysis, impress buyers, and land you top dollar for your home.
1. Clear out the excess furniture. Put it in your attic, rent a storage unit, or donate it to a local thrift store. But please, please, please, pair down the knick-knacks, poufs, ottomans, side tables, and plant stands. When if feels empty to you, you’re almost done. <br />2. Bare walls, windows, and countertops are your friends. Get rid of family photos and window coverings, and clear your countertops. There should be nothing (and we mean nothing, nada, zip) on them - no coffee maker, no candles, no fruit bowl. Nothing. (Same goes for your fridge door!)<br />3. Clean, clean, clean. Floors, closets, window sills. If there ever was a time for a deep clean, this is it. If you’re short on time, consider hiring a company that specializes in cleaning services for buyers and sellers. We have recommendations at the ready!
Have more questions about staging and where it falls on our 36-point marketing strategy (hint: it's big, very big)? Let's talk!
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2023-05-24T09:59:00-07:002023-03-06T11:08:28-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5698The Benefits of a Minimalist Home: How to Simplify Your SpaceYou know that feeling of pure satisfaction and relief when you finally clean out that cluttered junk drawer? Imagine experiencing that same feeling throughout your entire home.
In case you didn’t know, there’s a serious connection between a clear mind and clear space. Simplifying your space with a minimalist approach can lead to a clear mind and increased productivity.
Here are a few quick tips to get started:<br />1) Get rid of items you haven't used in the last year<br />2) Organize what's left into clear categories<br />3) Keep only the essentials within easy reach
Want more ideas for making your home work for you? Reach out, we love to talk!
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2023-05-01T07:06:00-07:002023-02-13T08:15:47-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5031What's your biggest pet peeve about your current home?You love your home, but that doesn’t mean you always like it. So today, we are giving you permission to air your home's dirty laundry with a good ole complaint session.
So here goes: What’s your biggest pet peeve about your home? Some we have heard:
- Glass or dish cabinets that are too far from the dishwasher<br />- Doors you have to fight to open/close or that swing the wrong way<br />- Fixtures or appliances in awkward spaces<br />- Small appliances cluttering kitchen countertops<br />- Wire shelving in the pantry<br />- Minimal storage space
Now, it's your turn — what drives you nuts about your home? Share in the comments below!
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2023-04-24T04:08:00-07:002023-02-07T12:31:28-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:6054Don't Freak Out About Your Property TaxesWe know receiving a higher tax assessment can be concerning, but we want to assure you that there are ways to handle this situation without undue stress.
First, don't panic if you have seen an increase in your property tax assessment. Remember, state law limits annual property tax increases to 3%. This means even if your assessment has gone up, your taxes cannot be raised by more than 3% annually.
Secondly, understand the difference between the assessed value and taxable value of your property. The assessed value is an estimate of your property's worth, while taxable value is the amount of your assessment that's subject to property tax. Your taxable value may go up by around 3%, which is different from your assessed value, and you may need to budget accordingly.
Finally, remember that as an asset and investment, you want your home to increase in value. An increase in value as means you have more equity in your home, which you may be able to leverage to make other investments or pay off debt.
If you disagree with your assessed value or believe that your property's value has not been assessed correctly, you can fight the assessment. You may challenge the assessment by presenting evidence to the County Assessor's Office to correct the value. We recommend consulting with a property appraiser or tax specialist for guidance on how to challenge an assessment.
Another solution that could be helpful is to contact your mortgage servicer to remove PMI (Private Mortgage Insurance) if you have a conventional loan. This could lower your monthly payment and help offset the impact of any tax increase.
As always, if you have any real estate related questions, feel free to reach out.2023-04-12T08:25:00-07:002023-04-11T08:38:33-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5473How do interest rates work?Happening NOW: Interest rates, simplified.
An interest rate is the “price” a lender charges a borrower for a loan. Just like a pair of jeans at your favorite store, every loan has a price tag. That price tag is the interest rate. But instead of dollars and cents, the price of borrowing a sum of money is a percentage of the total amount borrowed.
Interest rates rise and fall daily based on loan type (rates are typically lower for shorter-term loans), what the Feds are doing (the U.S. central bank), and, yes, inflation.
Keep in mind that interest rates are only one part of the financial math that comes with a real estate transaction, so don't let the perception of "high" interest rates be a deal-breaker. Part of our commitment to any client is helping them find workable financing, and there are multiple paths for making that happen.
Wanna run the numbers to see what you could afford, or have other questions about buying or selling? Reach out! We would love to hear from you.
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2023-03-29T09:36:00-07:002022-12-27T10:46:56-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:519010 Tips for New HomeownersHere’s the thing: Buying a home is super exciting. It’s arguably the largest financial investment you’ll make, and it tells the world you’re officially adulting!
Once you’ve signed on the dotted line, follow these 10 tips for homeowning like a pro:
1. Change the locks as soon as possible.<br />2. Ask around to find a reliable handyman.<br />3. Find a secure home for all those warranties and manuals so you’ll be able to find them whenever necessary.<br />4. If possible, paint before you move in. It’s much easier in an empty house.<br />5. Meet the neighbors. You never know when you’ll need a friendly favor. <br />6. Plant shade trees. In a few years, you’ll be so glad you did.<br />7. Replace the air filters, especially if the home was on the market for a while.<br />8. Start an emergency fund for repairs and maintenance.<br />9. Be slow to take on major renovations.<br />10. If you do renovate, make improvements that will add value. (I can help!)
What’d we forget? Reach out and let's talk!
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2023-03-24T13:53:00-07:002022-12-27T09:30:14-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:51875 Signs That It’s Time to DownsizeIs it even possible to feel stuck when you have MORE home than you need?
Yep, it is. I see it all the time. But today, we want to let you in on five ways you know for sure it’s time to downsize.
1. Your home has multiple spaces that sit unused, like extra bedrooms, an expansive yard, or a full basement. <br />2. Home maintenance feels overwhelming, and, well, you’re just flat out over it. <br />3. You’d like more room in your monthly budget for travel, family, or retirement.<br />4. Your children are happy to host birthdays, holidays, and get-togethers. <br />5. You’re ready for a change: new scenery, people, and neighborhood amenities.
The good news? Downsizing doesn’t mean downgrading! We would love to show you your options. Reach out and let’s chat about what you’re looking for.realtor in Norwalk
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Here are a few figures to keep in mind. Remember, size, detail, and materials will all greatly influence your bottom line.
- Adding a room or bedroom is the most common addition. A 20x20 addition will run about $80-200 per square foot or $32,000 – $80,000.<br />- Expanding your kitchen by 200 square feet will be between $48,000 to $94,000. That's a lot, we know. Just need a kitchen refresh? You can tackle a minor kitchen remodel for $10,000 to $15,000.<br />- Thinking about the in-laws? (Of course you are this time of year!) A 600-750 square foot detached in-law suite will come in somewhere between $78,000 and $135,000.
Adding square footage to your home will increase its value, no doubt, but not dollar-for-dollar. If you’d like to chat more about how you can make the most of your home or discuss the additions with the highest ROI, reach out and we'll give you the inside scoop.
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2023-02-24T11:31:00-07:002022-12-02T11:41:46-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5474Confused About What’s Going on in the Housing Market? Lean on a Professional
If you’re thinking about <a href="https://www.simplifyingthemarket.com/2022/11/23/what-buyers-need-to-know-about-the-inventory-of-homes-available-for-sale/?a=588950-ce9d29f00b3c6e6c219a407e79506495" title="buying" target="_blank" rel="noopener noreferrer">buying</a> or <a href="https://www.simplifyingthemarket.com/2022/12/12/what-every-seller-should-know-about-home-prices/?a=588950-ce9d29f00b3c6e6c219a407e79506495" title="selling" target="_blank" rel="noopener noreferrer">selling</a> a home, you probably want to know what’s really happening with home prices, mortgage rates, housing supply, and more. That’s not an easy task considering how sensationalized headlines are today. Jay Thompson, Real Estate Industry Consultant, <a href="https://www.realestatenews.com/2022/11/18/agents-decoded-making-sense-of-the-headlines" title="explains" target="_blank" rel="noopener noreferrer">explains</a>:
“Housing market headlines are everywhere. Many are quite sensational, ending with exclamation points or predicting impending doom for the industry. Clickbait, the sensationalizing of headlines and content, has been an issue since the dawn of the internet, and housing news is not immune to it.”
Unfortunately, when information in the media isn’t clear, it can generate a lot of fear and uncertainty in the market. As Jason Lewris, Cofounder and Chief Data Officer at Parcl, <a href="https://www.parcllabs.com/articles/q3-real-estate" title="says" target="_blank" rel="noopener noreferrer">says</a>:
“In the absence of trustworthy, up-to-date information, real estate decisions are increasingly being driven by fear, uncertainty, and doubt.”
But it doesn’t have to be that way. Buying or selling a home is a big decision, and it should be one you feel confident making. To help you separate fact from fiction and get the answers you need, lean on a local <a href="https://www.simplifyingthemarket.com/2022/08/29/a-trusted-real-estate-advisor-provides-expert-advice/?a=588950-ce9d29f00b3c6e6c219a407e79506495" title="real estate advisor" target="_blank" rel="noopener noreferrer">real estate advisor</a>.
A trusted expert is your best resource to understand what’s happening at the national and local levels. They’ll be able to debunk the headlines using data you can trust. And using their in-depth knowledge of the industry, they’ll provide context so you know how current trends compare to the normal ebbs and flows in the industry, historical data and more.
Then, to make sure you have the full picture, they’ll tell you if your local area is following the national trend or if they’re seeing something different in your market. Together, you’ll use all of that information to make the best possible decision for you.
After all, making a move is a potentially life-changing milestone. It should be something you feel ready for and excited about. And that’s where an agent comes in.
Bottom Line
If you have questions abut the headlines or what’s happening in the housing market today, let’s connect so you have expert insights and advice on your side.
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2023-01-02T10:52:00-07:002022-12-27T11:01:54-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5033Home tip: Where to shop for the best rugsNew rug = Instant room refresh. The only question is where to shop?
Luckily, there are plenty of places to buy a new rug—both in-store and online. Here are a few of our personal favorites:
- Ruggable: Rugs that are washing machine ready? Brilliant! Perfect for families with children, pets, or oh-so-clumsy roommates. <br />- IKEA: Large inventory of rugs in a variety of textures and colors at price points you'll love. One tip? Purchase in-store. IKEA shipping can be a budget buster.<br />- Rugs USA: Consistently great deals and another section of washable rugs to check out.<br />- West Elm: Durable, handcrafted, and Fair Trade Certified. Shop the sale section to score limited-time offers. <br />- Revival Rugs: One-of-a-kind restored vintage rugs and original designs fresh off the loom.
Have you tried washable rugs? Are they worth the buzz? Reach out and share your experiences!
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2022-12-23T05:37:00-07:002022-10-18T05:07:03-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5356Red Flags When Hiring a Listing AgentHiring an agent to sell your home is a big decision. And here’s the thing. It’s way more than finding someone who lives in your town. It’s about trust, comfort, and confidence.
When looking for an agent, don’t overlook one or more of these red flags before making your final decision:
🚩 They have little to no online presence. <br />🚩 They seem unfamiliar with your neighborhood.<br />🚩 When you meet face to face, they’re constantly checking a device, and you’re never quite sure if they’re listening.<br />🚩 It takes several attempts — on YOUR end — to reach them or get your questions answered.<br />🚩 Your gut tells you they’re just not it.
Hiring the wrong agent to sell your home is like waking up on Christmas morning with coal in your stocking — ugh! So save this post for later, or share it with someone you know who’s thinking about selling.
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2022-12-09T07:18:00-07:002022-12-02T07:28:05-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5354December Home MaintenanceSo far, it’s you: 1 <br />Winter: 0
Keep the score in your favor all winter long with 5 December home maintenance tips:
- Inspect attic insulation. If it’s level with or below your joists, you may need to add more.<br />- Clean your chimney and fireplace. If you have gas logs, compressed air clears away dust and soot.<br />- Check for drafts around exterior doors and replace weatherstripping or use a physical barrier if needed. <br />- Put a few indoor and outdoor lights on timers. Added security and one less thing you have to remember. <br />- Consider a security or doorbell camera. The holidays are rife with porch pirates. Plus, you can usually score a good deal this time of year.
What’s on your home to-do list this December? Reach out and let's talk about how to optimize your home.
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2022-12-05T07:07:00-07:002022-12-02T07:12:59-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5185November Home Maintenance ChecklistIf you're staring down November (and the holiday rush!) and need to get your home ready for all that's to come, this post is for you!
Put these November home maintenance tasks at the top of your to-dos:
- Clean kitchen exhaust hood and filter<br />- Clean out the pantry and refrigerator<br />- Replace batteries in smoke and carbon monoxide detectors<br />- Replace the weatherstripping on your windows<br />- Secure your home from pests and critters<br />- Wash throw pillow covers and blankets
If you're nodding your head, thinking, “yep, this is exactly what I need to do', it’s time to get to it! Don’t let the winter season get the best of you, a little prep will go a long way.
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Want to talk more? Let’s chat so you can hear straight from me. Don’t wait. Reach out and let’s connect this week!
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2022-10-24T06:19:00-07:002022-09-06T06:25:01-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4850What is the best way to invest in real estate?Imagine how amazing it would feel to finally pull together a plan to invest in real estate. If this sounds like something that sparks joy for you, then imagine no more because we can make this a reality! Plus, there’s no time like the present to get started!
Here’s one of the easiest ways to start your investment journey:
- Step 1: Buy a house, condo, or townhome in an up-and-coming or in-demand neighborhood or school district. (PS - we can help!)<br />- Step 2: Move in, and live life! As you do, get the home looking better than it did when you bought it by making small cosmetic changes.<br />- Step 3: After a year or two, buy a new home, and rent out the first one. (Two years is better than one since you’ll be able to avoid capital gains taxes if you live in the home for at least two years.)<br />- Step 4: Wash, rinse, and repeat!
By living in a house before renting it out, you can finance it as a residence, which will land you far better terms on a loan.
Sound like a plan you’re ready to execute? Reach out to us and let’s get the pieces in place. It’ll take a few years, but this is one of the safest ways to invest in real estate and see some great returns!st realtor in Des Moines
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2022-10-21T06:12:00-07:002022-09-06T06:19:28-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4849Home Equity TipWe don't know who needs to hear this, but, not all home improvements are going to help you build equity in your home.
By all means, put your touch on your home. You've worked hard to get where you are and should make it your own! Just know that not all improvements are going to add value. While a doggie door is SO convenient and a front yard fountain is 100% calming, things like a new HVAC, updated appliances, or a replacement roof are always going to be more reliable investments that boost your home's bottom line.
If you're planning home improvement projects this fall and would like our thoughts on how they'll impact your home's value, reach out and let's jump on a call. We can let you know exactly what's in demand in your neighborhood.
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2022-10-19T05:57:00-07:002022-09-06T06:12:06-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:5023Should I wait until the holidays are over to sell?Truth: This holiday season, all bets are off when it comes to selling and the holidays. Here's why.
According to Realtor.com, active listings are still 44% lower than the pre-pandemic 2017-2019 average. That means the market is playing catch up to buyer demand, holidays or not. If you're still not convinced, here are a few other pros and cons:
Pros of selling during the holidays:
- Serious buyers<br />- Less competition<br />- Holiday staging
Cons of selling during the holidays:
- Fewer buyers<br />- Hard to stay “show-ready”<br />- Slower closing timeline
If you’ve thought about selling but wonder if you should wait, don't! Send us a DM, and we can pull what's happening in your neighborhood so you can know for sure.2022-10-15T03:25:00-07:002022-10-06T05:31:29-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4995Fall Decor FindsOne of the BEST things about fall? Decking out our homes in the coziest of fall decor! If you’re getting ready to do the same, score big at these hot spots for on-trend fall decor.
- World Market: Great for everything from pumpkin-scented candles to adorable throw pillows<br />- Etsy: Ideal for personalized, handcrafted, one-of-a-kind finds<br />- Michael’s: Their seasonal home decor selection is massive and super affordable<br />- Home Goods: Tends to be hit or miss, but a fantastic option, nevertheless<br />- Crate and Barrel: Sizeable collection of home decor in fall hues and textures
Got a go-to this fall? Let's compare lists
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2022-10-13T09:44:00-07:002022-10-05T11:37:03-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4994October Home Maintenance Checklist So how about grabbing a coffee on this fine Saturday morning and knocking out those home maintenance tasks you’ve been putting off?
Not sure where to start? Here’s what's on my October maintenance checklist:
- Organize the dreaded junk drawers<br />- Replace the air filters<br />- Clear out the rain gutters<br />- Make sure outdoor furniture is winter-ready<br />- Clean the fireplace to prep for cozy nights
With winter on the way, now is the BEST time to prep your home for the changing season. Bottoms up and happy cleaning!
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- CB2: Crate & Barrel’s less expensive offshoot brand.<br />- Nordstrom Rack: Serious name brands for up to 70% off.<br />- Overstock: Huge selection of liquidated products.<br />- World Market: Globally-inspired home decor on the cheap.<br />- Ikea: Swedish-founded chain known for its modular and affordable furniture. You'll get the best deals by visiting the store in person.
Like to shop local for home decor?! Drop your go-to's in the comments and tag your decorating-challenged friend who desperately needs your help!
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2022-09-12T11:14:00-07:002022-08-01T11:21:32-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4637Can the listing agent represent the buyer too?Should sellers be okay with their agents also representing the buyer—or not? That is the question. And if it's one you've been asking yourself, then today, I have a few things to share.
My take? Yes! It can work, but there are a few things sellers will want to think through before going this route:<br /> <br />- When you hire an agent to work just one side of the transaction, you get a “fiduciary relationship.” This means your agent is responsible for looking out for your best interests in good faith. Translation: Your agent is looking out for you and you alone.
- You forego this benefit when you work with an agent on both sides of the transaction. Called a “dual agency,” the agent represents you and the buyer. In this arrangement, the agent should remain neutral to both parties’ interests. Because of this, dual agents tend to leave the buyer and the seller hashing out the details of the sale without the benefit of an agent’s expertise and advice.<br /> <br />While it may work in special circumstances, the most common setup is for each party to have their own agent. After all, at the end of the day, whether you're buying or selling, you want to walk away knowing you received the FULL advantage of working with a professional and knowledgeable agent.
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Seriously, long before you tape up the first box, decide what’s worth keeping, selling, or donating by asking yourself these questions:
1. Do you want all new furnishings? Or have you spent time curating your style and know that what you have will fit just so in your next home? <br />2. Do you love what you have? Or are your end tables just okay, accent chairs totally “meh,” and throw pillows lumpy and misshapen? Then we're here to tell you, now is the time to toss ‘em, sell ‘em, or donate ‘em! <br />3. Are you packing and moving things with you because you don't want the money you spent on them to go to waste (PS - From an economic standpoint, this is called the “sunk cost fallacy.” Go on, look it up!)? No more, friend! Cut your ties, throw those items for sale online, and use the money to purchase things that really fit your new space. <br />4. Do you really need four humidifiers, two toasters, or that child-sized kayak? (Spoiler: You don’t!). Take a deep breath, be willing to let go, and don't hesitate to donate anything you haven’t used in the past calendar year. <br /> <br />We've got a lot of experience helping people find a new home and prepare to move. Give us a call with any questions!2022-08-31T07:17:00-07:002022-07-11T07:26:17-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4615No, This Market is Not 2008 All Over AgainIn case you didn’t know, today’s housing market is nothing like it was in 2008.
What happened then was caused by cheap debt, shady lending practices, and financial acrobatics that ended with too many borrowers in mortgages they couldn’t afford. Step back from 2008, and you see that home prices have appreciated in 4 of the last 6 recessions. They only fell twice—slightly in the early 90s (1.9%) and almost 20% in 2008.
Here's our point: Not every recession is a housing crisis. So if you’re looking to buy, sell, invest, or flip, here's what to do: silence the naysayers, look at the stats, and find an agent and a team who can help you make on-time and informed decisions in 2022.
Want to know more about buying or selling in our current market conditions? Reach out, we'd love to help.2022-08-19T09:43:00-07:002022-07-07T10:12:07-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4745Housing Market Forecast for the Rest of 2022 (Infographic)<img width="1046" height="1935" src="https://files.mykcm.com/2022/08/04103940/20220805-MEM-1046x1935.png" class="attachment-entry size-entry wp-post-image" alt="Housing Market Forecast for the Rest of 2022 [INFOGRAPHIC] | MyKCM" loading="lazy" srcset="https://files.mykcm.com/2022/08/04103940/20220805-MEM-1046x1935.png 1046w, https://files.mykcm.com/2022/08/04103940/20220805-MEM-324x600.png 324w, https://files.mykcm.com/2022/08/04103940/20220805-MEM-554x1024.png 554w, https://files.mykcm.com/2022/08/04103940/20220805-MEM-768x1421.png 768w, https://files.mykcm.com/2022/08/04103940/20220805-MEM-830x1536.png 830w, https://files.mykcm.com/2022/08/04103940/20220805-MEM-1107x2048.png 1107w, https://files.mykcm.com/2022/08/04103940/20220805-MEM-100x185.png 100w, https://files.mykcm.com/2022/08/04103940/20220805-MEM.png 1300w" sizes="(max-width: 1046px) 100vw, 1046px" style="font-size: 17px;" />
Some Highlights
The housing market is <a href="https://www.simplifyingthemarket.com/2022/07/29/three-reasons-to-buy-a-home-in-todays-shifting-market-infographic/?a=588950-ce9d29f00b3c6e6c219a407e79506495" title="shifting" target="_blank" rel="noopener noreferrer">shifting</a> away from the intensity of the past two years. Here’s what <a href="https://www.fanniemae.com/media/44131/display" title="experts project" target="_blank" rel="noopener noreferrer">experts project</a> for the remainder of 2022.
<a href="https://www.corelogic.com/intelligence/find-stories/corelogic-hpi-posted-record-year-over-year-growth-in-2021/" title="Home prices" target="_blank" rel="noopener noreferrer">Home prices</a> are forecast to <a href="https://pulsenomics.com/surveys/#home-price-expectations" title="rise" target="_blank" rel="noopener noreferrer">rise</a> more moderately than last year. <a href="https://www.nar.realtor/newsroom/existing-home-sales-slid-5-4-in-june" title="Mortgage rates" target="_blank" rel="noopener noreferrer">Mortgage rates</a> will respond to inflation, and <a href="https://www.nar.realtor/research-and-statistics/housing-statistics/existing-home-sales" title="home sales" target="_blank" rel="noopener noreferrer">home sales</a> will be <a href="https://www.freddiemac.com/research/forecast/20220720-quarterly-forecast-market-slowdown-will-continue-high-rates-and-prices-exacerbate" title="more in line" target="_blank" rel="noopener noreferrer">more in line</a> with pre-pandemic years.
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2022-08-15T06:02:00-07:002022-08-09T06:06:52-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4193FAQ: What is a leaseback?You made a killer offer and the sellers are on board. There’s just one hiccup. They need to hang around town for several more months. You don’t want to lose the house and you’re willing to be flexible. The solution? A leaseback. ⁣<br />⁣<br />A leaseback is an agreement between the new owner of a home and the former owner that rents the house back to the owner for 30-, 60-, or 90- days. While a leaseback clearly benefits the seller, willingness on a buyer’s end can be a powerful bargaining chip in the current competitive housing market. ⁣What's more, the seller also benefits from no longer being responsible for ownership costs, like taxes and maintenance expenses.2022-07-29T07:25:00-07:002022-06-17T06:55:49-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4404Should You Buy a Fixer-Upper or a Move-In-Ready Home?Fixer-uppers are NOT for the faint of heart!⁣<br />⁣<br />Before pouring your hard-earned cash (and potentially a lot of your time and sweat) into a fixer-upper, ask yourself:⁣<br />⁣<br />- Do you have the patience of a saint? Labor shortages and supply chain issues are causing even minor home repairs to drag on and on. Patience, flexibility, and time to wait will be your best friends.⁣<br />- Do you have the time and capacity? Taking on a fixer-upper is incredibly exciting, but it can also be all-consuming. Ask those who know you best their thoughts about your potential new project.⁣<br />- Is the price right? All that fixing is gonna take cash. Talk with your realtor and a trusted lender to set right expectations about what you can afford.⁣<br />- Where will you live during renovations? With a move-in ready, you just, well, move in. A fixer-upper, not so much. To make it work, you’ll need a place to crash or fork out for a rental.⁣<br />- Is your partner completely on board? Fixing up a home tests every relationship to its core. If you and your partner aren’t on the same page, something move-in ready will be most harmonious for the home front.⁣<br />⁣<br />Want to talk more about fixer-uppers? We have a ton of personal experience to share. Reach out!2022-07-27T08:03:00-07:002022-05-27T08:08:03-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4403Vocab to Know When SellingREMINDER: It's okay to stop your agent and ask "Wait... What does that mean?"⁣ Not only is it okay -- it's required!<br />⁣<br />That's what we're here for! Here's a few vocabulary words you'll hear around your real estate agent when selling your home:⁣<br />⁣<br />-Comps: Short for “comparable sales.” Comps are recently sold homes similar to yours in location, size, condition, and features. You and your agent will use comps to help price your home.⁣<br />-Staging: The process of making your home appealing to the masses by decluttering, rearranging furniture, or bringing in different furniture and decor. We offer staging help at no cost, but you can stage your home yourself or hire a professional stager.⁣<br />-Contingent: A word meaning “dependent on.” In real estate, it means the seller has accepted an offer, but some additional conditions must be met. The most common contingencies include inspection, financing, appraisal, title, and home sale.⁣<br />-Earnest money: The money a buyer puts down when they are serious about purchasing your home. The higher the earnest money, typically, the greater the interest.⁣<br />-Escrow: A third-party account that holds funds like earnest money, property taxes, and insurance during a real estate transaction.⁣<br />-Home warranty: A service contract often provided by sellers that covers the repair of major appliances and systems during the first year after a home sale.⁣<br />⁣<br />Have other questions? Reach out -- that's why we're here!2022-07-25T07:56:00-07:002022-05-27T08:03:14-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4401#1 Home Feature to ConsiderIt’s cliche advice, but it’s really, really good advice. And it’s all wrapped up in one little word (repeated three times, of course): Location, location, location! It’s true. Location is the #1 feature to consider when looking for a home. It trumps:⁣<br />⁣<br />-Square footage⁣<br />-Bed/bath count⁣<br />-Upgrades⁣<br />-Outdoor living areas⁣<br />-Neighborhood amenities⁣<br />⁣<br />Why? Two reasons: ⁣<br />⁣<br />-Because it's huge in determining your home’s value over time. You're likely better off down the road having an average house in a great location than having the best house in a less-in-demand location.⁣<br />-That 5-digit zip code ain’t gonna change. The kitchen? You can change that. Flooring? That too. But the address. Nope. That’s the same forever and always.⁣<br />⁣<br />Have qustion? Reach out -- that's why we're here2022-07-20T07:48:00-07:002022-05-27T07:52:29-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4397Our Open House ChecklistConfession time: Who has been to an open house, just for fun, even if they weren't looking to buy a home?<br />⁣<br />Hosting an open house is a great way to get more potential buyers through the door. Even the "nosey neighbors" taking a tour can help to spread the word about your home. ⁣<br />⁣<br />Here's a quick checklist we like to use before hosting an open house for our clients:⁣<br />⁣<br />✓ Lock up or remove valuables⁣<br />⁣<br />✓ Deep clean and declutter as much as possible⁣<br />⁣<br />✓ Minimize personal items and family photos⁣<br />⁣<br />✓ Less is more: Help your buyers picture this as their home⁣<br />⁣<br />✓ Put out snacks and drinks for the guests⁣<br />⁣<br />✓ Put out marketing material like flyers and disclosures⁣<br />⁣<br />✓ Open the windows to bring natural light in⁣<br />⁣<br />✓ Do a final walk through and see the home through a buyer's perspective⁣
Remember, it's all out about making a great first impression in a very limited time. Reach out if you have any questions!2022-07-13T07:13:00-07:002022-06-15T11:51:58-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4391Will The Housing Market Crash?If you’re waiting for a market crash to snag a cheaper home, you might be waiting for a while. Housing experts predict the market will remain strong for a while for several reasons:⁣<br />⁣<br />1. Ample homebuyers. With most first-time buyers under 40 and the U.S. population nearing 170 million, there’s no shortage of buyers, which leads to the second reason experts predict a robust housing market well into the future.⁣<br />2. Low inventory. Too many buyers. Too few homes. It’s simple supply and demand — and experts say it will take at least several years to inject enough new supply to balance out the market.⁣<br />3. Healthier mortgages. Unlike the 2008 housing crash, tougher lending standards and modern mortgage regulations mean today’s homeowners are less likely to default than those who were approved in the pre-crisis lending period.⁣<br />⁣<br />Like to have a chat about your decision to wait out the market? Reach out, let's talk!2022-06-29T06:37:00-07:002022-05-27T06:42:25-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4390Can I shop around for mortgage rates?Often times when our clients have already gotten a pre-approval letter and are under contract on a house, they'll ask if it's okay to shop around for different mortgage quotes. Our answer? Absolutely!⁣<br />⁣<br />Even a small change in interest rates can make a big difference over time, so we highly recommend shopping around. ⁣<br />⁣<br />Their next question is typically this: "Will this impact my credit score?"⁣<br />⁣<br />According to FICO, you have a 30-day window to shop around for a mortgage - this will all count as one hard inquiry.⁣<br />⁣<br />Thinking of buying? Save this post for later!2022-06-27T06:33:00-07:002022-05-27T06:37:12-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4179Buyer FAQ: What is a rent-to-own property?Buyer FAQ: What is a rent-to-own property? ⁣<br />⁣<br />Great question! Here's the deal: ⁣<br />⁣<br />A rent-to-own property is an agreement between the buyer and seller that allows the buyer to purchase a home after a few years of renting. Typically, the buyer pays a slightly higher rent. In exchange, the seller allows these extra funds to act as a down payment at the end of the agreement. Should the buyer choose not to purchase, the extra payments are forfeited.⁣<br />⁣<br />While a rent-to-own property allows you to "test drive" homeownership, you stand to lose money if you choose not to buy in the end. You also run the risk of not qualifying for a home loan when the time comes. ⁣<br />⁣<br />If you’d like to talk more about buying this spring, we'd love to chat and map out the many roads to homeownership. We're confident there’s one that’s right for you!2022-06-17T08:50:00-07:002022-05-06T13:02:01-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4282Are Short-Term Rentals Profitable?Who doesn’t want to own a weekend getaway spot with the freedom to rent it out when they’re not there? The real question is: Are short-term rentals a profitable strategy? ⁣<br />⁣<br />The short answer is: Yes! If you can swing it financially and weather the constant flow of laid-back, sometimes unpredictable vacationers in and out of your personal vacation spot, short-term rentals can turn a substantial profit. However, before signing on for the life of a property manager, you'll want to consult an agent who knows that particular market and can advise on critical business aspects, including location, property maintenance, and upfront costs. ⁣<br />⁣<br />Keep in mind that you’ll enjoy some added tax benefits in addition to your boost in cash flow. Because short-term rentals operate as a business, you’ll only pay taxes on the profit and can readily deduct expenses like furniture, streaming subscriptions, utilities, and more. ⁣<br />⁣<br />Do you want to take a peek inside some of the hottest rental properties in our market? Contact us today - we'd love to show you around!2022-06-13T11:50:00-07:002022-05-03T06:04:46-07:00Angela McKenzietag:realadvantagepartners.com,2012-09-20:4204FAQ: How much can I afford?Buying a home is a numbers game, but it’s also an emotions game. That’s why from the get-go, we encourage buyers to only consider homes they can confidently (and comfortably) afford. ⁣<br />⁣<br />Setting aside what lenders often say, buyers should take the time to “try on” various mortgage payment scenarios and find the one that fits the best financially and feels the most comfortable.⁣<br />⁣<br />That said, some guidelines can provide a starting point for answering the question: How much home is within my reach?⁣<br />⁣<br />Most financial experts will tell you housing expenses should be no more than 28% of your total pre-tax income. This includes your monthly P&I mortgage payment, homeowners insurance, property taxes, and PMI payments (if applicable).⁣
For example, if your salary is $55,000 per year, your gross monthly income is $4,583 ($55,000 divided by 12). Your total housing costs (principal, interest, taxes, and insurance) shouldn’t exceed $1,283 per month (28% of $4,583).⁣<br />Keep in mind that total debt should be less than 36% of your total pre-tax income. This includes housing costs mentioned above and credit cards, car loans, personal loans, and student loans.⁣<br />⁣<br />Save this post for later, and share it with anyone you know who has plans to buy this year.2022-06-08T10:22:00-07:002022-04-27T10:31:20-07:00Angela McKenzie