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Pre-Approval
Preliminary evaluation stating how much a lender is willing to loan you for a new home
Refinance
A new loan with new terms, interest rates, and monthly payments that completely replaces your current mortgage
Pets •
January 16, 2024
Pet Proofing Your Home
If you’re like me and share your home with a pet or two (or four), you know their well-being is a top priority. Along with making a move less stressful for them, learning how to pet-proof your home should be high on the list for responsible pet owners. Read on to know what to look out for and how to make your home a comfortable and secure place for everyone.
Kitchens
Start your pet-proofing mission in the kitchen, as it has a lot of potentially dangerous and tempting items for your four-legged friends. Ensure cabinets are secure to prevent access to cleaning supplies, cutlery and any unauthorized treats – child-proof cabinet locks are an excellent option here. Some human foods can be life-threatening for dogs and cats, so promptly store items like chocolates, crackers and leftovers away or you could be making an unexpected trip to the emergency vet. Garbage bins should have lids or be kept inside cabinets, as pets can get into trash hunting for a bonus meal.
Living Rooms
You probably spend a lot of quality time with your pets in your living room, which also deserves a careful going-over. Keep small objects, like breakable decorative pieces and children’s toys, out of reach. Electrical cords should be concealed or secured, as they present a chewing temptation for many animals. Certain houseplants can also be toxic for your fur babies, so you’ll want to eliminate any dangerous varieties.
Bedrooms and Bathrooms
In bedrooms, keep your clothes, shoes and personal items stowed away since anything can become a fun chew toy, especially for dogs. Secure medications, razors and other sharp objects away from curious paws and noses. And while a cat lying on the bathroom floor surrounded by a roll of unspooled toilet paper seems like it’d be great photo op, it’ll be a pain to clean up. Consider keeping doors closed when you’re not around.
Yards, Patios and Decks
If your pets spend considerable time outside, you’ll want to provide a shaded area and fresh water to prevent overheating in hot weather. Also, think about installing a pet door if you do have an enclosed outdoor space like a catio or dog run, making it easy for them to get outside safely. Plus, animals can be notorious escape artists, so securely latch all non-pet doors and windows to prevent any unexpected breakouts.
Create Pet-Friendly Spaces
Pet-proofing is not only about forbidden areas and potential harm – it’s also about making cozy and pet-specific areas for your animals. Your pets deserve to love their home as much as you do, so give them their own spots, like napping nooks and comfortable hiding places. Dogs might appreciate a snuggly bed in a quiet corner, while many cats love hanging out in a felted cat cave. Designate an area for pet toys, like a stylish basket or bin. This will make picking up a breeze and your pets will know where to go when it’s time to play.
Creating a safe environment by knowing how to pet-proof your home is vital to being a good pet owner. And with a little effort, you can make your house a haven for the whole family.
Home Improvement Tips •
January 4, 2024
The Benefits of Working with a Real Estate Agent
In a competitive real estate market, you need more than just luck on your side. Whether you’re looking to sell your property or finally get your hands on your dream home, one thing’s for sure – you need the expertise of a seasoned real estate agent who has neighborhood knowledge, market insights, negotiation finesse and experience with contracts and closing details. Working with a real estate agent is your go-to resource when it’s time to buy or sell.
Sharing Local Expertise
When it comes to exploring community lifestyles or marketing a property to the most likely buyer at the right time, real estate agents are the ultimate insiders. They know the market and the area, and also have a network of connections and trusted professionals they can call on to ensure all your real estate goals are met. They’re well-connected in the real estate world, which means they’ve got the scoop on off-market listings and soon-to-be-available properties.
Data-Driven Decision Making
Who doesn’t love a good data-driven strategy? Real estate agents have a treasure trove of tools and technology. Using market data analytics, insights into trends impacting buyers and sellers and a comprehensive Competitive Market Analysis, they can accurately tell you where the opportunities lie and what to expect for pricing, days on the market and more.
Detailed Coordination
Ever felt overwhelmed by the intricacies of buying or selling a property? Working with a real estate agent gives you a personalized approach every step of the way. They will handle placing an offer, coordinating inspections, getting a home ready to list and developing a custom marketing plan. They’ll also connect you with any necessary vendors, including repair specialists or mortgage, title and insurance professionals. With an agent at your side, the intricate processes and complexities become a breeze.
Expert Negotiations
When you’re in the final stages of the game, your real estate agent turns into your personal advocate. They’re armed with data analytics and negotiation strategies that can lead to winning deals and peaceful resolutions. They’ll make sure it’s a smooth process.
With a real estate agent as your trusty guide, you can navigate the market with confidence and secure the best possible outcome.
Home Improvement Tips •
December 21, 2023
Why Winter Is a Good Time To List Your Home
If you’ve been thinking about selling your home in the winter months, there’s no reason for cold feet. Now is the perfect time to get ahead of the spring rush and take advantage of today’s fast-paced market. As you make your decision, consider the many benefits that come with listing during the off-season.
Less Competition
Fewer homes on the market means your property will get more attention from buyers. You also have the opportunity to more easily make your home stand out from the competition. With the help of your agent, you can check out comparable properties, highlight your home’s unique features and market it for wide-scale appeal. Selling your home in winter is also a great time to accentuate its energy-saving features, like double-paned windows, updated HVAC systems and insulated attics and basements.
Motivated Buyers
Buyers looking during the winter months often have an urgent reason to find a new home. Whether they’re moving because of job relocation, an expiring lease or changing family circumstances, they tend to be more determined to make strong offers to close quickly. Smart buyers also understand that they need to get a jump on the spring market to avoid the competition of the current low inventory-high demand environment.
Year-Round Online Buyers
With today’s interactive real estate portals and increased social media marketing, buyers can learn about and shop for homes any time of the year. They don’t necessarily need to visit properties in person to narrow down their selection. That’s why it’s essential to work with an agent who understands that quality photography and engaging video are key to maximizing online buyer appeal. Your agent can also assist with real or virtual staging to further capture buyer interest, allowing them to imagine themselves cozied up by the fireplace or enjoying family meals around the dining table.
Easier Landscaping
Selling your home in winter generally means less time and money spent on improving curb appeal, yet another benefit of listing off-season. It’s much easier to keep foliage trimmed and looking nice as opposed to during the lush spring and summer months. Now may also be a good time to purchase a new mailbox or welcome mat, subtle elements that can make an impact.
Although the housing market slows down during the winter months, you can still achieve a successful outcome. Limited inventory actually presents an opportunity to show your home’s full potential to motivated buyers, leading to a quicker, less hectic, more profitable sale.
Buyers and Sellers •
December 12, 2023
Good News for Real Estate Investments in 2024
The 2023 housing market has seen many ups and downs, leaving investors wondering what to expect in 2024. The good news is that regardless of interest rate increases and lower than average inventory, real estate investments remain one of the most lucrative areas to invest in as we head into the new year.
High Demand Means High Return
One of the central trends that defines the market today is low inventory and high demand. According to Lawrence Yun, Chief Economist for the National Association of REALTORS®, “Lack of supply is behind ongoing multiple offer scenarios on moderate- to mid-priced homes.” This demand is also fueling rising home prices, which NAR predicts will increase from an average of $384,900 in 2023 to $395,000 in 2024. This “seller’s market” can work in favor of the investor. Those who purchase, upgrade and list a property could see a quick sale and solid return. For investors waiting to list a property they already own, now is the time.
Mortgage Rates Expected to Stabilize
Although interest rates have been nearing 7% recently, Fannie Mae predicts an average rate of 6.5% in 2024. This could lead to more buyers entering the market in late 2024 and into 2025. Strong job growth may also contribute to buyer demand. The Federal Open Market Committee forecasts the unemployment rate to average a “healthy” 4.1%, an important factor that should positively impact the real estate market as a whole.
Consumer Confidence is Growing
Investors will be happy to learn that consumer confidence is rising, a positive sign of good things to come. According to the Coldwell Banker® 2023 International Consumer Survey, a significant number of respondents say they are optimistic about the state of the U.S. real estate market. In fact, 80% of luxury consumers believe purchasing real estate in the United States is a safe investment, and 76% rate the current market conditions to purchase a home as “excellent” and/or “good.”
New Construction on the Rise
To answer the housing demand, new builds are expected to increase next year. The National Association of Home Builders predicts that single-family production will rise from an average of 744,000 units in 2023 to 925,000 in 2024. Newly constructed homes could not only be a promising investment opportunity – they are also expected to lessen demand and help stabilize home prices.
Rental Property Remains a Reliable Investment
Although most experts predict that rent growth to decelerate in 2024, rental property is still a reliable real estate investment. People who take advantage of the market by selling their current home often need to move into a rental unit as they transition, ensuring investors have plenty of potential lessees. Rental income also helps offset higher mortgage rates for the investor, and rental property offers owners the benefits of long-term appreciation and various tax breaks.
Buyers are Motivated
Regardless of market trends, life goes on, and housing needs evolve. Retirees, growing families and divorcing couples don’t often have the luxury of waiting for the perfect time to move. Investors should also consider the increased mobility that comes with work-from-home buyers. Many are heading to more affordable regions, leading to pockets of growth that investors can take advantage of.
Whether the market is trending up or down, smart investors pay close attention to current trends and adjust their strategy accordingly. Once you understand the real estate landscape, you can confidently plan your next move.
Time To Party! •
December 8, 2023
Creating a memorable New Year’s Eve party at home
Hosting a New Year’s Eve celebration from the comfort of your living room can be filled with fun, food and guests – an unforgettable experience to ring in the new year. To make the most of the evening, you can create a festive atmosphere with themed decorations, incorporate new or favorite dishes, dress to impress and count down in style. Consider adding these touches while planning your unique New Year’s Eve at home.
Set the Scene
Adorn your space with lights and candles to set the stage for celebration. Then, add some specific holiday touches with a photo booth or instant-print camera to capture the memories and a large countdown clock to know when midnight is about to strike. Round out the space by strategically placing hats, noisemakers, beads and other fun items to get guests excited and engaged.
Delectable Treats
Diverse food dishes can also elevate your gathering. Dips, mini-sized treats and seafood or veggie platters are all great options and encourage mingling while satisfying the taste buds. You could also get creative with a cheese or chocolate fondue fountain to bring an elegant touch.
Make Your Dress Code a Theme
Inspiring style and vibrant energy, you could encourage specific attire for your get-together. Unify your guests with a captivating theme, like black-and-gold, retro glam, masquerade ball or glitter and sequins, and add a layer of creative fun and conversation.
Countdown With Flair
Electrify your night with epic music mixes, classic karaoke songs, toasts and, if local laws allow, fireworks.
You could curate a playlist of upbeat songs to keep guests dancing all night or singing their hearts out with timeless beats. And as the clock approaches midnight, toast with champagne, sparkling cider or a festive non-alcoholic drink. Additionally, you could ring in the new year with a bang if you can organize a small fireworks display in your backyard.
Hosting a New Year’s Eve celebration at home doesn’t have to be bland – it can be an incredibly entertaining experience. Cheers to a fantastic New Year’s Eve and a promising year ahead!
Home Improvement Tips •
November 21, 2023
Your Guide to Thoughtful Last-Minute Gifts for the Home
The holiday season often includes the challenge of finding unique and personal gifts for your favorite people. But let’s face it, with all the holiday hustle and bustle, it’s easy to end up on the hunt for last-minute presents. But don’t worry – we’ve got you covered. These gifts for the home options combine comfort, practicality and style to bring that extra spark to your loved one’s living space.
Kitchen Gadgets
The kitchen is an excellent place to begin your search for last-minute gifts for the home. Consider modern culinary gadgets for a time-saving and efficient surprise for those who love to cook. Some popular big-ticket items to consider include an Instant Pot, an air fryer or a sous vide cooker. And if you’re looking for more low-tech options, how about chef-worthy oven mitts or a ceramic taco truck holder?
Scented Candles
High-quality, designer candles do more than create a bit of mood lighting – they can also make a significant impact on the ambiance throughout the whole home. Look for gift options with pleasing designs and swoon-worthy fragrances like balsam and cinder or their favorite national park. This is also an excellent opportunity to search out locally made candles if you have time to pop into a nearby boutique or shop.
Plant of the Month
Want to bring a touch of nature indoors? A plant subscription service is the answer for your friends with a green thumb. New plants provide a touch of nature through beautiful, vibrant greenery each month, adding a tranquil vibe to any home. Or you can also brighten someone’s 2024 with a bouquet subscription for gorgeous blooms throughout the year or just a few months.
Digital Photo Frames
A digital photo frame filled with beautiful family photographs is a classic yet tremendously personal gift. It’s like having a treasure trove of memories in one sleek space without all the clutter of traditional photo frames. Many digital frames will even let you create a social network with multiple users adding images to a single frame for the ultimate in image sharing!
Smart Home Devices
Other smart home devices make fantastic gifts for tech-savvy folks who love blending technology and comfort. From smart speaker systems to intelligent lighting setups, these gadgets seamlessly become a part of a daily routine, making life a little easier and more modern.
Whatever gifts for the home you decide on, remember the true magic of gift-giving isn’t about the price tag – it’s about the thought and care you put into it. Even if you’re picking out a last-minute item, a little extra effort will make it truly special.
Holidays •
November 16, 2023
Simple Holiday Storage Tips
Give your future self a gift by properly storing all those beautiful holiday decorations away this year! Correctly organizing and packing your holiday ornaments, lights and other decor can save you time, money and frustration when it’s time to take them out again. Here are five practical storage tips to keep your holiday decorations safe and in good condition.
Sorting and Organizing
Before you even start, take the time to coordinate them. Group similar items together, such as ornaments, lights and garlands, to make it easier to find and unpack specific pieces next year. Label your storage bins or boxes for each category of decorations. Clear plastic containers are ideal, allowing you to quickly see the contents without even opening them.
Properly Packing Delicate Items
Glass and other breakable ornaments require special care to prevent damage. Use individual compartments, such as egg cartons or a specialty ornament storage container, to keep pieces separate and protected. Wrap fragile ornaments in tissue paper or bubble wrap before placing them in their designated spots. Also, think about placing extra fragile ones in their own sturdy box or container within your larger storage bin to further protect them. This added layer will help prevent any accidental breaks.
Untangling and Storing Lights
Tangled lights can be one of the most frustrating parts of holiday decorating. So, before putting them away, untangle your lights and inspect them for any damaged or broken bulbs. Replace any non-functioning bulbs to ensure everything is ready to use next year. You might want to use a spool or cord reel to tame any tangles. Alternatively, you can wrap lights around cardboard or even a hanger, securing the ends with zip or twist ties.
Protecting Wreaths and Garlands
To keep faux foliage in good condition, store pieces in a cool, dry place to prevent mold or mildew growth. Think about investing in a specially designed wreath storage container or use wall hooks to hang them in a closet or storage area. For garlands, wrap them securely in tissue paper or plastic wrap to prevent them from tangling or getting damaged during storage.
Utilizing Space-Saving Solutions
Make the most of your holiday storage area with space-saving solutions. Vacuum-seal bags compress soft decorations, such as fabric tablecloths or seasonal pillows. Place these compacted items in airtight containers to guard against moisture and pests. Additionally, take advantage of vertical space by hanging hooks or shelves inside your storage area to keep bins and boxes off the ground. This not only creates more room but also helps prevent damage from potential leaks or floods.
Storing your holiday decor the right way keeps it safe and makes decorating your home the following year a breeze! Following these holiday storage tips ensures that your items remain in excellent condition for many more joyful seasons.
Home Improvement Tips •
November 9, 2023
Embrace the cozy vibes of fall with these elegant decor ideas
🍂✨ Change up your throw pillows, adorn your space with fall-colored flowers (don’t forget the pumpkin vase!), light up those fall-scented candles, beautify your mantle, stack some pumpkins, craft a cozy corner, and don’t forget the charm of dried flowers. 🍁🌼
Home Improvement Tips •
October 30, 2023
5 Home Improvement Projects That Will Pay Off in 2024
With 2024 on the horizon, many homeowners are seeking ways to enhance their property and increase its value. Whether you plan to sell your home in the new year or simply want to update its style and livability for yourself, strategic home improvement projects can make a significant impact.
Spruce Up the Exterior
First impressions matter – a well-maintained exterior can greatly enhance curb appeal. Start by giving your home a fresh coat of paint, if needed, to refresh its appearance. Also, consider updating or repairing your siding, replacing old windows and adding attractive landscaping to create eye-catching charm in the neighborhood.
Upgrade the Kitchen
The kitchen is often thought of as the heart of the home, and it can have a significant impact on your house’s worth and your comfort. Think about upgrading key features such as countertops, cabinetry and flooring. If your budget allows, replacing old appliances with energy-efficient models can also be a major selling point and save you money in the long run. Additionally, new wall paint, updated light fixtures and a stylish backsplash will create a space where you can enjoy preparing meals and entertaining friends.
Enhance the Bathroom
Bathrooms are another crucial area for home improvements that can influence value. Start by updating fixtures, like faucets, showerheads and towel racks, to create a sleek and cohesive look throughout the space. Consider replacing worn-out tiles or regrouting existing ones to refresh walls and floors. Several DIY cosmetic updates can also produce a big splash and make your bathroom shine.
Create an Outdoor Oasis
Today, many homeowners are valuing outdoor spaces more than ever, and that probably won’t change. Creating a functional and appealing outdoor area can significantly enhance your home’s charm. You might want to build a deck or patio to entertain and host outdoor meals and get-togethers. But why stop there? Add in comfortable seating, install outdoor lighting and consider investing in professional landscaping for an extra living space in the summer months or year-round, depending on your climate.
Make Smart Upgrades
In our eco-conscious society, energy-efficient homes are highly sought after – so consider making earth-friendly upgrades to your property. Replace old windows with double or triple-pane glass windows, add insulation to prevent heat loss and install green appliances. Solar panels can also be a fantastic investment. These improvements decrease energy consumption and appeal to homeowners who want to reduce their environmental impact.
The upcoming new year presents an excellent opportunity to invest in home improvement projects that can boost your property’s value and make your home more comfortable and cost-efficient for years to come.
