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Open houses have been a staple for home listings for decades. Often these are attended by people just driving by on a weekend day or neighbors curious about pricing and upgrades, but they can also be a strategic aspect of searching for a new home. Often overlooked, potential home buyers can use public open houses to explore communities and homes and by following a few tips, find a great new home. Open House Tips for Buyers ​· Research Online First – Most open houses are advertised on public website search sites. Review options and pictures ahead of time.· Limit Your Options – Don’t overload by trying to see too many homes in a day. It’s hard to remember details if you see more than 4-5 homes.· Make a Good Impression – Take the tours seriously. Be organized, dress appropriately, and be knowledgeable about the property.· Questions – Come with questions about the home. Ask about the community, schools, upgrades, repairs, and why the home is being sold.· Ask for Information and Disclosures – Ask to see current property tax and association fee information. Ask to review the disclosure documents while you’re there.· Perform a Visual Inspection – Take pictures and note any obvious signs of deferred maintenance or repair issues. Look at the roof, walls, drainage, windows, doors, and garage for signs of damage or water intrusion. Finally, remember that the listing agent is first and foremost responsible to the seller. Avoid providing any information that could be used in a negotiation. Strongly consider using a dedicated buyer’s agent if you decide to make an offer so that your interests are protected. The listing agent may offer discounts, but having a fiduciary on your side could save you a lot more money in the long run.

Open House Tips for Potential Homebuyers

Are you ready to buy your first home but the price of single-family homes istoo high to manage? A single-family home is not only more expensive butcould lead to thousands of dollars in repairs and upkeep after the purchase.With higher interest rates putting barriers to borrowing, a condo might be agreat alternative for those ready to buy their first home. Buying a condo offers a great deal of benefits for first-time home buyers.The most important aspect is that it allows you to enter the homeownershipstream. It’s an asset that builds equity from the very beginning. Rather thanwasting money on rent, buying a condo increases your net worth and putsyou in a great position to move to a single-family home later Condos are usually less maintenance than single-family homes. Condosare great if you don’t want to mow the lawn, shovel snow, fix the roof, orclean the pool. Amenities such as parks, recreation facilities, dog parks,sports courts, and more are often included in the monthly association fee. Condo living creates a sense of community. People with or without childrenmay enjoy living close to neighbors and the close-knit community feel. Thisoften encourages fun events like barbeques or block parties that buildconnections. If single-family homes are unaffordable or undesirable, thenconsider a condo for your first home.

Why a Condo Could Be Your Best First Home

Selling a home in a flood zone can be a complex process, but with the right approach, you can navigate the challenges effectively. Whether you're moving for personal reasons or looking to capitalize on a new opportunity, understanding the unique aspects of flood zone properties can help you make informed decisions. 1. Understand Flood Zone DesignationsFamiliarize yourself with the flood zone designation of your property. The Federal Emergency Management Agency (FEMA) categorizes flood zones, and each designation comes with different levels of risk. Knowing whether your home is in a high-risk area (like a Special Flood Hazard Area) or allow risk zone can impact your selling strategy. 2. Disclose Information HonestlyTransparency is crucial when selling a flood zone home. Most states require sellers to disclose any history of flooding or water damage. Being upfront about these issues can build trust with potential buyers. Consider highlighting any improvements made to mitigate flood risks, such as elevating the home or installing a sump pump. 3. Emphasize Mitigation MeasuresShowcasing flood mitigation measures can make your property more appealing. Discuss any flood-proofing improvements, such as new drainage systems, flood vents, or landscaping designed to direct waterway from the home. These enhancements not only demonstrate your commitment to protecting the property but can also reassure buyers about their potential investment. 4. Work with Experienced ProfessionalsEngage with real estate professionals who have experience in flood zone properties. A knowledgeable agent can help you navigate the market, set a competitive price, and develop effective marketing strategies. They can also connect you with local experts, such as flood insurance agents, to address buyers' concerns. 5. Educate Potential BuyersEducate potential buyers about living in a flood zone. Provide information on flood insurance options and local flood response plans. Highlight the community's preparedness and any recent improvements made by local authorities to enhance flood resilience. This information can alleviate concerns and help buyers feel more confident in their decision. 6. Consider Timing and MarketingThe timing of your sale can impact your success. Typically, homes sell faster during peak real estate seasons, so plan your listing accordingly. When marketing your home, focus on the positives: the unique features of the property, the neighborhood amenities, and the lifestyle benefits of living in the area. ConclusionSelling a home in a flood zone requires careful consideration and a proactive approach. By being transparent, highlighting mitigation measures, and educating potential buyers, you can turn potential challenges into selling points. With the right strategy and support, you can successfully navigate the process and achieve your selling goals.

How To Sell A Home In A Flood Zone

You know the saying, “what’s old is new again.” Never is this truer than in home décor. This is one of the reasons that top interior designers tell their clients to decorate to their taste and create spaces that are personal and not beholden to the latest big-box trend. As we head into fall and winter, the hottest design trends are taking a page straight out of the past. Here are the top ideas for you to incorporate in to your home. 1. The Color Brown – Rich, dark earthy brown is showing up everywhere from chocolate walls to dark leather furniture. Add dark wood paneling to create a cozy feel. 2. Textured Walls – More subtle than the harsh Venetian-style texture, modern textured walls create depth and warmth. Try textured wallpaper fora less committed look. 3. 4x4 Tiles – Far from old-fashioned white square tiles, new designs include tiles with texture, color, and tone. 4. Dark Hardwood Floors – Modern trends are moving away from the pale, cold, gray-toned tiles and stone and using deep dark woods again. 5. Floral Prints – Mix and match floral print fabrics are back. Choose from one or two throw pillows or go all out in a floral bedroom. Remember, your home should reflect your personality and lifestyle. Trends come and go, so embrace only the ones you like. As this list illustrates, eventually, everything comes back in style.

Cool Design Trends Making a Comeback

We live in a fast-paced, digital world. Most home buyers start their search online and many rely on apps throughout the process. So, it makes sense that once they have the keys, they continue to look for technology to help them create and maintain their new home. Here are some must-have apps to help new homeowners enjoy a hassle-free experience with their new property. 1. Centriq – A home management app that helps homeowners organize, operate, and maintain systems and appliances. Add appliances/devices by uploading model numbers and getting access to features, fix-it guides, and product recalls. 2. HomeZada – A digital management system that allows the user to track their home’s equity, insurance, and mortgage. It includes a home value forecaster tool as well. 3. NextDoor – A neighborhood networking app that helps new homeowners get involved in their local community. Provides access to local community members to get recommendations for service providers, community events, and emergency information. 4. HomeStyler – A digital interior design tool that helps home owners envision changes to their homes. Capture photos of the home to “try out” new designs and décor products. 5. TaskRabbit - This app connects homeowners with freelance taskers who perform services such as decluttering, TV mounting, baby proofing, packing, and much more. 6. Vivint Smart Home – A home security system that allows you to connect smart locks, doorbell cameras, thermostats, garage door openers, and any other smart device onto one app, instantly available on a mobile device. 7. FEMA App – The FEMA app allows the user to receive real-time weather and emergency alerts for up to five locations. It also can help locate a local shelter if the homeowner needs to evacuate. Technology has impacted the way we do almost everything. New homeowners can take advantage of the many apps available to ensure their new home is everything they want it to be.

7 Must-Have Apps for New Homeowners

When it comes to buying a home, one of the most significant hurdles many first-time buyers face is the down payment. However, a down payment gift can alleviate some of that burden. Understanding what a down payment gift is and who can provide one can make the home-buying process more accessible. What is a Down Payment Gift? A down payment gift is a sum of money given to a homebuyer to help cover the down payment on a property. This financial assistance can come from various sources, and it does not need to be repaid. Typically, downpayment gifts are used by first-time homebuyers or those who may not have enough savings to cover the upfront costs of purchasing a home. Key Features of Down Payment Gifts 1. No Repayment Required: Unlike loans, down payment gifts do not have to be paid back. This can significantly ease the financial strain on buyers.2. Documentation Required: Lenders often require documentation to confirm that the funds are indeed a gift, not a loan. This can include a gift letter from the donor stating the relationship to the buyer and confirming that the funds are a gift.3. Source of Funds: Many lenders may also ask for proof of where the gift funds are coming from to ensure they are legal and legitimate. Who Can Give a Down Payment Gift? Several individuals or entities can usually provide down payment gifts,depending on the lender requirements and terms. Here are some commonsources: 1. Family MembersFamily members are the most common source of down payment gifts. Parents, grandparents, siblings, and other relatives can provide financial assistance to help their loved ones achieve homeownership. 2. Close FriendsIn some cases, close friends may also contribute to a buyer's downpayment. However, this is less common and may require additional documentation to clarify the nature of the gift. 3. EmployersSome companies offer down payment assistance programs as part of their employee benefits. Employers may provide gifts or grants to help employees with their home purchase. 4. Non-Profit OrganizationsCertain non-profit organizations are dedicated to helping individuals and families achieve homeownership. They may offer down payment gifts, grants, or assistance programs tailored for specific communities or demographics. 5. Government ProgramsVarious government programs exist to assist first-time homebuyers, including down payment assistance in the form of gifts. These programs can vary by state or locality, so it’s essential to research what's available inyour area. Benefits of Down Payment Gifts 1. Increased Buying Power: With a down payment gift, buyers can increase their purchasing power, allowing them to qualify for a mortgage they might not have been able to secure otherwise.2. Lower Monthly Payments: A larger down payment can lead to lower monthly mortgage payments and potentially eliminate the need for private mortgage insurance (PMI).3. Access to Better Loan Terms: Putting down a substantial amount can improve a buyer's chances of securing better loan terms, such as lower interest rates. Conclusion A down payment gift can be a valuable resource for homebuyers, especially those navigating the challenging waters of purchasing their first home. Understanding the concept of down payment gifts and knowing who can provide them can help buyers leverage this financial assistance effectively.If you’re considering a down payment gift, it’s wise to communicate with your lender about their requirements and ensure all necessary documentation is in order. With the right support, achieving homeownership can be a more attainable goal.

What is a Down Payment Gift and Who Can Give it?

When buying or selling a home, there is a lot going on. It can be easy to get caught up in the process and activity and overlook details that are important. One of the most overlooked issues is to define what comes with the home. Certain items, particularly fixtures and appliances, can be areas of confusion and should be clearly discussed in the contract. Here are a few examples: ​· Fixtures – Fixtures are items attached to the property and typically transfer with the home. These include window treatments, built-in shelving, and lighting fixtures. ​· Appliances – Appliances can be confusing. Anything in transfers with the home, but others such as the refrigerator, washer/dryer, or stand-alone stove might not. · Personal Property – This is an area that can cause confusion. It's assumed that furniture is owned by the sellers, but what about a room air conditioning unit? If there’s anything the buyer wants, they should be clear in the contract. · Outdoor Items – Items like sheds, outdoor furniture, BBQs, and playsets should be addressed in the contract. They may not be automatically included in the contract. There are many aspects of a real estate transaction that can be negotiated. The focus typically tends to be on price, loan, payments, and other financial considerations. This is normal. However, taking a step back to consider the expectations of what other items transfer with the home can avoid disappointment and conflict.

What Comes With The House?

Selling a home as-is can be a strategic decision for many homeowners. This option often appeals to those who want to avoid the costs of repairs after negotiations, homeowners with limited equity, or those facing financial challenges. It can also set clear expectations that buyers should conduct their due diligence and not anticipate repairs later. Regardless of the reason, there are effective ways to facilitate a successful as-is sale First, it’s important to clarify what "as-is" means. While some homes are marketed as-is, others may not be. In an as-is sale, the seller is usually not responsible for making repairs or addressing issues identified during a home inspection. Buyers need to understand that unless they waive the home inspection and/or condition contingency, they can typically still backout if they find the home’s condition unsatisfactory during their inspection period. To successfully sell a property as-is, accurate pricing is essential. This doesn't mean pricing it below market value, but rather being realistic about the home’s value and condition. The marketing should clearly state that the home is being sold as-is and provide details about its condition, emphasizing its potential and any expected repairs. This transparency can help reassure buyers and encourage them to consider the property. Overall, selling a home as-is can be a smart strategy that maximizes the seller's return on investment. With the right approach and open communication, both buyers and sellers can have a rewarding transaction.

Selling Your Home As-IS

Since the launch of HGTV, the DIY (Do It Yourself) projects have been allthe rage. Young and old DIYers have spent their weekend browsing the bigbox home stores and searching for YouTube how-to videos. Then theyspend their free time doing everything from knocking down walls to addingGranny Flats and She Shacks in the backyard. Yet, questions arise aboutthis trend and whether it will continue. Surveys say that the biggest reason younger homeowners are pulling awayfrom DIY projects is due to “FOMU” – Fear of Messing Up. Unlike DIYers ofthe past, this younger generation did not grow up watching their ownparents tinker around the house. This has prevented some of the naturalcomfort levels of home repairs from taking hold. Reports show that 70% ofrespondents have called a professional because they were unsure ofwhether they could handle the job. Another obstacle younger DIYers face is MPRS or Mid-Project RegretSyndrome. This tends to affect those who take on too large a project or onebeyond their capabilities – whether it is a lack of skill, lack of money, or lackof time. Depending on the progress made, this can end up costing almostas much as using a professional from the start. Regardless of these challenges and fears, the fact is that the DIY trend isgoing strong. Manufacturers now offer simpler products that are easier toassemble or build. Home improvement stores have also embraced theseconsumers with more educational classes and advice. Given this, itappears that DIYers will continue to plan weekend projects to beautify theirhomes themselves for the foreseeable future.

Is the DIY Trend Over or Just Getting Going?

One’s Circadian Rhythm is the natural sleep and wake cycle that provides the body with the greatest degree of health and wellness. One of the newest trends in interior design and architecture is mimicking this cycle using proper lighting. Harnessing the power of light can significantly impact our mood, energy levels, and overall well-being. Benefits of Circadian Lighting· Proper lighting routines can improve sleep by helping one fall asleep faster and wake up more easily.· Exposure to bright light in the morning can boost mood, and energy levels.· Proper lighting can enhance focus, concentration, and overall productivity.· Circadian lighting can support a healthy immune system, improve mood and reduce depression. How to Implement Circadian Lighting· Maximize natural light by incorporating large windows and skylights to flood rooms with sunlight.· Use dimmable lights to adjust the intensity of lights throughout the day to mimic the natural light cycle.· Choose warm-toned lights for living and sleeping areas that are used more in the evenings. Save cool-toned lights for office spaces where productivity and alertness are important.· Smart lighting systems can be used to create routines and schedules that automatically adjust light levels and color temperatures based on the time of day. Circadian Lighting offers a powerful tool for improving the quality of life. As more designers recognize the influence of design on lifestyle and well-being, lighting systems will continue to evolve and integrate into home designs, offering a more comfortable environment.

Circadian Rhythm Lighting – Using the Power of Light in Your Home

Most homes can be easily priced by looking at comparable properties in the area. A real estate agent will look at recent sales of comparable homes as well as market trends – is it an accelerating market or a declining market? But for sellers who own custom or more unique homes, pricing the property to sell requires a more strategic approach. Sellers and agents start by researching the local market for homes with similar distinctive features. This could include custom architecture, historical elements, eco-friendly designs, expansive views, and more. Even if the properties are not exact, they can provide a baseline for pricing. When setting a price, think about the emotional appeal of your home. Buyers of custom homes are often looking for something special and are willing to pay a premium. Highlight the standout features that make your home different and make sure these elements are emphasized in your marketing and during showings. Using a listing agent who is experienced in selling unique homes is also important. They should be familiar with the area and can suggest a price that balances competitiveness with the custom nature of your property. They may also suggest you get a pre-listing appraisal to gain an objective view of your home’s value. Flexibility is the key to selling a unique home. Understand that it might take longer than selling conventional property. Not all buyers will be interested in the property and patience is important. Be open to negotiation and willing to adjust the pricing strategy as you get feedback.

Help! My Home is Unique – How Do I Price it Right to Sell?

Who doesn’t love to spend time browsing through home magazines? Every season there are new looks and trends. While some are easy to achieve with a little paint, others would require extensive redecorating and design. A trip to the mall with high-end home stores is not helpful either. Unless you are prepared to spend hundreds or thousands of dollars on new items, these stores are disappointments. Fortunately, there are other ways to achieve the latest look without the designer price tag. First, did you know that many of those national high-end home stores also own lower-priced chains? These Big Box-style stores, like Target and Walmart, often carry more affordable versions of the high-end stores. These stores thrive on repeat business, and what better way to get customers to keep coming back than to show them new and trendy item seach time? Another great way to update your look may surprise you – thrift and antique malls. You have heard the expression, “Everything old is new again.” A careful look at those style magazines may reveal vintage looks, like the revival of Mid-Century Modern and Vintage Chic. Often discarded items from their original trend can be found in thrift and antique stores. Finally, re-upholstery and refinishing can be an option. Professionally done, this is more expensive than some other tips, but still less than buying their new counterparts. If you find a trend you like, it may be worth investing in new coverings and finishes. Style does not have to cost a fortune. Simple changes can be made with a quick trip to the local chain store this weekend. As fall approaches, it’s time to find some inspiration and then find the deals.

How To Get Designer Looks for Your Home on a Budget

Nothing is more frustrating than finding a wonderful house and thenrealizing that the neighborhood is not as great. Everyone has heard theexpression, “location, location, location,” and it’s one of the main reasonshomeowners say they love their home. Yes, the chef’s kitchen is a nicefeature, but if there are rules that are deal breakers in the HOA, theexcitement fades quickly. Here are Six Questions to ask yourself that will help you find the rightcommunity: 1. Is there pride of ownership? Observing the community - thestreets, the parks, the neighborhood yards – can tell you a lot aboutthe location. Is there pride of ownership?2. Is convenience important to you? Do you want to live close tohighways, shopping, medical facilities, or schools? Do you prefer amore rural location with a slower pace? Carefully consider thelifestyle you want as part of the community analysis.3. Are home values rising or falling? While the overall market willimpact all communities, pay special attention to housing values and ifthey are declining, understand why.4. Does the community have an HOA? Some people love HOAsfor maintaining the community’s appearance while others do notwant the restrictions they bring.5. How are the schools rated? Regardless of whether you haveschool-aged children, the quality of the schools can affect propertyvalues, positively or negatively.6. How safe is the neighborhood? Crime statistics are availablethrough a variety of sources online. Make sure to check them whendoing your research. There are other considerations of course but start by asking thesequestions before you fall in love with a home. Choosing the rightcommunity is even more important than picking the right house.

Choosing the Right Community

Seeing “as is” on a home listing can make some homebuyers nervous. Thefirst thought often is, “what’s wrong with the home”? In fact, the term “as is”should not scare you away from a home that otherwise looks like a good fit.Understanding the term, its use, and how to approach the situation canlead to a great deal and good investment ​First, “as is” does not necessarily mean “fixer-upper,” even though this is acommon belief. Most often, the term “as is” is simply the seller’s way ofletting prospective buyers know that they do not want to be botheredmaking minor repairs. Writing an offer on an “as is” listing does not mean that you agree to takethe home in any condition, nor waive your right to have inspections. It’simportant to do thorough inspections and investigations of any home youconsider buying. After carefully reviewing the condition of the home, youcan still request repairs or credits during your inspection period, even on an“as is” home listing. The sellers may or may not agree to do some repairsfor major issues to ensure the conclusion of the sale. Finally, some homes are in such poor condition that the “as is” descriptionis a true warning. These homes may not qualify for traditional financing andrequire serious consideration about the cost and effort to repair. Most of thetime, if the home appears to suit your needs, you can feel confident movingforward with the process. “As is” does not need to be scary and it does notmean you still can’t make informed decisions after an inspection. ​

Buyer’s Don’t Let “As Is” Scare You!

One of the biggest factors lenders use in qualifying potential home buyers is income. When coupled with credit scores, income is critical in reducing the risk for the lender which in turn gives the buyer better terms, lowering costs. For most borrowers, income is a steady paycheck every few weeks, but for others, a sizable portion of their annual income comes from commissions or bonuses. Understanding how a lender applies this income to the qualifying criteria will help potential borrowers avoid frustration and successfully get a loan. The main concern lenders have when evaluating risk is the consistency ofthe borrower’s income. Commissions and bonuses are variable, and lenders want to be assured that the income will continue. The first thing a borrower can do to reassure the underwriter is to offer strong documentation. People in the sales profession, for example, should be ableto provide years of documented commissions. This shows a record of consistent commissions. Bonuses can be treated the same way. For those who’ve recently started receiving commissions, lenders may limit the amount they use in determining income. Lenders are typically lookingfor two years of history to establish a pattern of earnings. They may ask for a letter from the employer to outline the commission and bonus structure. The best strategy for those looking to get a home loan with variable income is to plan. Provide strong and complete documentation up front. Maintaining excellent credit will also demonstrate stability. Lastly, prequalification becomes even more important for those who have commissions or bonuses as part of their income. Lenders may limit the amount of these variables when determining a maximum loan amount; knowing this upfront is important to understand before home shopping.

How Lenders Treat Commissions When Qualifying for a Home Loan

The past few years have been exciting for home sellers. Not only werehome prices historically high but buyers were well qualified and enjoyinglow interest rates. Today’s housing market is dramatically different in manyareas of the country. If you are considering selling your home, you may bewondering how to select the correct price when it seems all the sellersaround you are still overpricing theirs. Working with your real estate agent, the first step is to look at recent sales,not just recent listings. You may find quickly that the homes are selling forquite a bit less than they are listed for. You also need to look at the trends.Are sales prices rising month-over-month or declining – and by how much?This can help you gauge if you should price higher than recent sales orlower. In areas with few recent comparable sales, such as markets with manycustom homes, it may benefit you to get a professional appraisal. This willcost a few hundred dollars and will give you a full picture of the localmarket. Appraisers will consider the unique features of your home vs therecent sales, as well as the sales prices. This can offer great information ifyou have a beautiful view, a large lot, or a remodeled home. Finally, rely on the advice from an experienced agent. Don’t be tempted tojoin the pack if they are overpriced. Be reasonable in your expectations.This will allow you to sell quickly and for the best price possible in thecurrent market.

Pricing Your Home for Sale When Everyone Else is Overpriced

House hunting is exciting and most likely, your child is excited along withyou. They love to explore the possible bedrooms and dip their toes in thebig backyard pool. However, when it comes to changing schools, theirenthusiasm may start to wane. This might not be instantly apparent, andthey may not have even thought about what a move would mean to them ifthey needed to change schools. But involving your child during the homehunting itself can help make the move easier. First, start discussing the school change in the very beginning. Explain whyyou are moving and the benefit to the family. Explain that they will get tosee possible new homes and new schools. Reassure them that the qualityof the school and opportunities it can offer are prime concerns of yours aswell as the impact it will have on the child. Share the process you will take to research the schools and share theresults. Spend some time discussing the advantages and disadvantages ofthe various options and discuss how the change might affect the child. Takethem on a school tour and help them prepare some questions of their ownduring the visit. Consider creating a checklist for your child to use to learnmore about the classrooms, teachers, activities, and children. Spend sometime discussing their opinions and feedback as soon as you finish. Moving can be a very exciting time, but children do not always understandor express how change affects them. School is a huge part of their life andsocial world, so spend the time to ensure the change is a positive one byinvolving the child from the very beginning.

Evaluating Schools When Moving – How to Involve Your Child

Drone photography has revolutionized the way real estate agents markettheir listings. Highlighting the location or neighborhood can help potentialbuyers learn more about the property and increase interest in the home.But it is not as simple as buying a drone and launching it; there are specificrules that must be followed. Before you either take photos yourself or allowyour agent to do so, learn the rules to ensure that you do not end up withfines. · Licensing and Certifications – All commercial drone operators mustobtain a Remote Pilot Certificate from the FAA. Photos and videos used inreal estate listings fall into this category. · Airspace Authorization – Some areas are in controlled airspace andprior authorization must be obtained before launching. Apps like B4UFLY or Air map can help you determine if your property is subject to this restriction. · Height Restrictions – Drones must fly below 400 feet to avoidinterfering with manned aircraft. Operators should maintain a line of sight toavoid obstacles and special waivers for night flying must be obtained aheadof time. · Insurance – While not strictly required, homeowners should requestany commercial drone pilots to obtain insurance to cover any accidentaldamage or liability issues. ​Finally, understand the privacy concerns of the neighborhood. If there is aHomeowner’s Association for the home, check the rules before scheduling.It is common courtesy to discuss in advance with any other homeownerswhose property you plan to photograph. If there are concerns, you mightoffer the ability to review and approve any pictures before publication.Drone photography and video add so much to real estate marketing.Potential buyers gain a greater sense of the home and the area, which canincrease the number of serious buyers interested in the property

Drone Photography – What To Know

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