HOW TO PREPARE TO BUY IF YOU’RE IN THE EARLY STAGES

Thinking about buying a home but not sure where to begin? Even if you’re just starting to consider homeownership, it’s never too early to start preparing. Getting a head start can make the whole process smoother and less stressful.

Here’s a quick roadmap to help you lay the groundwork for your future home and turn your dream of becoming a homeowner into reality:

1.Check Your Credit

Pull your credit reports from each of the three credit reporting bureaus — make sure you check them for accuracy and dispute any errors, especially negative errors that decrease your score.

You can download a FREE copy of your reports at annualcreditreport.com

2. Determine a Budget

A helpful guideline is the 28/36 rule — no more than 28% of your monthly income should go to housing costs, and total monthly debt payments shouldn’t exceed 36% of your income.

Put together a sp! ...

HOW TO BUY & SELL AT THE SAME TIME

Navigating the buy-sell balancing act can be more than just stressful – after all, it’s a complex situation.

The challenge? Being able to secure a great price from the sale of your current home while securing a sweet deal on your new one. Not to mention lining up the timing so you don’t get stuck in housing limbo. Although it may seem overwhelming, it’s entirely achievable with the right strategy and a good agent!

Here are a few ways to make buying and selling simultaneously work for you and your family:

1.A BRIDGE LOAN

This type of loan acts as a temporary financing solution that allows you to borrow against your current home’s equity to fund the down payment on your new home.

When you would use it: Don’t want to move twice? Bridge loans give you the flexibility to buy a new home without selling your current home first.

However, you must qualify to hold your existin. ...

STEAL THESE SECRETS FROM MY SELLERS

Today, I’m revealing what my sellers say actually helped them sell their homes quickly and for the best possible price.

1. Price competitively

I typically recommend pricing on the lower side of market value.

WHY? Competitively priced homes tend to attract more buyers, creating a sense of urgency and increasing the potential for receiving offers with more favorable terms.

2. Make minor repairs

Even small issues can significantly impact a buyer’s perception of your home.

Fix leaky faucets, squeaky doors, patch up and repaint wall imperfections, and repair any flooring imperfections if possible.

Small repairs can make a big difference in how potential buyers perceive your home’s overall maintenance. Addressing minor repairs can make your home appear well-maintained and move-in ready.

3. Declutter

I’m not just talking about tidying up — this is what I like to call “your firs; ...

GREAT RATE, WRONG HOME?
Have you ever stood in your home, looked around, and thought, “Should I move? Is now the right time to sell? Will I find a home that fits our lifestyle better?”
If the thought of a higher interest rate has made you hesitant about making a move, I get it. After all, it may seem as though holding onto your current home with a lower rate is the safer choice.
But here’s the thing: LIFE HAPPENS. Regardless of interest rates or home prices, if you feel like you’ve outgrown your current space or it’s just not quite fitting your needs anymore, it might be time to make a change.
Here are a few reasons why you might want to consider making a move, regardless of your current lower interest rate:
1. You have a lot of equity
Your value has appreciated, and so has your equity.
In fact, the average homeowner holds $299,000 in equity.
Leverage the increased equity from the sale of your current home, and purchase a home that fits your curren! ...

POV: YOU WORK WITH A BUYER’S AGENT
Buying a home is one of life’s most significant milestones, which is why it pays to have someone there who can advocate for your best interests and help you navigate all the hurdles that will inevitably pop up.
Here are just a few ways you’ll benefit from working with a buyer’s agent:
1. Expert Guidance
As your agent, I handle all the logistics and legal paperwork for you — from setting up showings to managing inspections and handling closing procedures, I’ve got it covered to ensure the entire process is as smooth and stress-free as possible!
2. Negotiating Power
Having a seasoned negotiator on your side can save you thousands. I negotiate not just on price but on terms and conditions, advocating for your best interests and helping you secure the best deal.
3. Risk Management
My job is to protect you. I recognize red flags and educate you on what to look for when looking at homes, from potential proper. ...