Linda D. Dempsey's Blog
The weeks and days leading up to a home closing can be stressful, particularly for a homebuyer who is already trying to do everything possible to secure his or her dream residence. Fortunately, we're here to help you simplify the process of getting to your closing date.
Now, let's take a look at three tips to ensure you can enjoy a fast, easy home closing.
1. Get Your Paperwork Ready
It often helps to get all of your homebuying paperwork ready before you pursue a residence. That way, you can minimize the last-minute stress associated with searching far and wide for pay stubs, tax returns and other documents that you'll ultimately need to get financing for a residence.
Furthermore, you should meet with local banks and credit unions as soon as you can. If you can get approved for a mortgage prior to starting a home search, you may be able to speed up the process of acquiring your ideal residence.
2. Be Prepared to Cover Your Closing Costs
Although you might have financing to cover your monthly mortgage payments, it is important to remember that you may need to pay closing costs to finalize your home purchase. As such, if you begin saving for your closing costs today, you can guarantee that you'll have the necessary funds available to purchase your dream residence on your scheduled closing date.
Also, you should be prepared to present a cashier's check or wire funds when you close on a house. If you plan ahead, you should have no paying off your closing costs when your complete your home purchase.
3. Schedule Your Final Walk-Through Before Your Closing Date
When it comes to a final walk-through on your dream house, why should you leave anything to chance? Instead, set up the final walk-through at least a few days before you're scheduled to close on a house.
If you find problems with a house during a final walk-through, you'll want to give the seller plenty of time to address these issues. Thus, if you schedule a final walk-through several days before your closing date, you can ensure that any home problems can be corrected without putting your closing date in danger.
For homebuyers who are worried about a home closing, there is no need to stress. In fact, if you work with an expert real estate agent, you can receive plenty of support throughout the homebuying journey.
Typically, a real estate agent can explain what you should expect in the time leading up to your closing date. If you have any concerns or questions before a home closing, a real estate agent is happy to address them. Plus, when your closing date arrives, a real estate agent will help you remain calm, cool and collected as you purchase a home.
Ready to streamline the process of closing on a house? Use the aforementioned tips, and you can reap the benefits of a quick, seamless home closing.
House shopping when you live far from your new community is not easy, but technology makes it much simpler to tackle this big task. While nothing beats in-person visits, if you live across the country, or even in an international destination, you may not have that option. Here’s a look at how you can make a long-distance house shopping experience work.
Find the Right Agent
You’re going to need a tech-savvy agent who is willing to be in constant communication. The agent is going to need to use technology to help you see houses, be able to get documents back and forth successfully and know how to move quickly when you’re ready to make the purchase.
Start your search online to narrow down what it is you do and don’t want. Different areas of the country have different types of homes, so you may find the basement you’re hoping for just isn’t standard for homes in your new community. Once you have narrowed down what you’re looking for, use the Internet to learn more about the communities.
Yes, you can have showings long-distance. Using real-time video tools like FaceTime or Skype, your agent can walk you through the home. This is why the agent you choose is so critical, because you’re going to need this type of partnership to find the right home. These real-time video tours will allow you to see the home's condition. The right agent will do a thorough search of the property and tell you about potential problems they may find.
Research Neighborhoods Carefully
One thing your agent won’t be able to do is give you specific details about neighborhoods, other than facts like its schools and commute times. Research neighborhoods carefully online to learn all you can about them, and find one that seems like a good fit for your needs. If you can, make a survey trip to your new community to narrow down the neighborhoods with the right vibe for you.
Never Skip the Inspection
When you’re buying a home long distance, you’ll need that inspection, even if it isn’t required. The inspection gives you details about the home that will be critical to your decision-making process.
Buying a home when you don’t live near the community is much easier today than it ever has been due to the increased amount of technology available to modern home buyers. Use this technology well, and soon you’ll find a home that’s a great fit.
A home seller must consider the initial asking price of his or her residence closely. Because if a home seller sets an unrealistic initial asking price, he or she risks alienating potential buyers.
Now, let's take a look at three tips to help you set a realistic initial asking price for your house.
1. Review the Local Housing Market
The local housing market may favor buyers or sellers. Fortunately, if you analyze the local housing sector, you can differentiate a buyer's market from a seller's market – or vice-versa – and price your house accordingly.
In a buyer's market, there is an abundance of quality residences and a shortage of buyers. And if you're operating in a buyer's market, you may need to price your house aggressively to stir up interest in it.
Comparatively, in a seller's market, there is a shortage of quality residences and an abundance of buyers. In a seller's market, you may be able to generate lots of interest in your house, even if you set an above-average price for it.
Regardless of whether you're operating in a buyer's or seller's market, you should assess housing sector data. Find out how your residence stacks up against available houses in your city or town that are similar to your own. Then, you may be better equipped than ever before to set a competitive initial asking price for your home.
2. Conduct a Home Inspection and Appraisal
By performing a home inspection, you can receive comprehensive insights into your house's condition. Following an inspection, you can prioritize home repairs. Plus, you can use an inspection report to help you determine how to price your residence.
In addition, you can conduct a home appraisal prior to listing your residence. Thanks to an appraisal, you can receive a property valuation. And as a result, you can use this property valuation to price your house appropriately.
3. Consult with a Real Estate Agent
A real estate agent understands the ins and outs of the housing market. Thus, he or she can help you establish the right price for your house.
Ultimately, a real estate agent is unafraid to be honest with a house seller. He or she will teach a seller about the housing market and provide unbiased recommendations about how to price a residence. Best of all, a real estate agent will promote a house to prospective buyers and ensure a seller can get the best price for his or her home.
Let's not forget about the assistance that a real estate agent can provide during a negotiation, either. A real estate agent is happy to negotiate with a buyer on your behalf. As such, a real estate agent can help you optimize your house sale earnings.
For a home seller who wants to determine the right price for his or her house, it helps to prepare as much as possible. If you take advantage of the aforementioned tips, you can establish a competitive initial asking price for your home and boost the likelihood of enjoying a fast, profitable house selling experience.
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It may tempt you to toss those potato peels in the kitchen trashcan, but resist the urge. Not only will they make your trash smell terrible but they'll attract critters once the bag goes outside. By putting your vegetable scraps and coffee grounds back into the earth, you're helping to prevent trash from going into your local landfill. By composting, you can be a part of the solution and reap tons of rewarding benefits in return.
You'll Generate Less Trash for Pickup
If you set out multiple bags of trash each garbage day, a small composting bin that sets on your kitchen counter could be a solution. It may surprise you to learn how much organic waste you toss into the trash every day. In California alone, food and yard scraps once made up roughly one-third of the household trash that ended up in landfills. That's millions of pounds of lawn clippings and onion skins that could easily have been recycled. Many food scraps are suitable for compost, including:
Fruit and vegetable peels
California took action to lessen the amount of organic waste going to landfills in 2016, and other states across the country are taking notice. Keeping food scraps out of the trash is the right thing to do for the planet, and it's a healthy choice for families who grow their own food, as well.
You Won't Have to Buy Soil Conditioners
Even in urban areas, poor soil is not a problem for homeowners who compost. But before you decide whether composting is right for you, it's good to understand how the whole process works.
When you toss organic waste such as banana peels or watermelon rinds into a trash bag, they eventually rot, turn slimy and emit odor. However, if you compost them the decay process speeds up. Your cast-off food becomes a fresh meal for millions of tiny micro-organisms who break down the waste and change its composition. In a compost pile, food scraps decompose just as they would in nature, but they do so at an accelerated rate. As a result, you're left with a rich, brown soil that's perfect for planting.
Your Gardens Will Flourish
Possibly the biggest benefit to composting is the beautiful gardens and houseplants it supports. Imagine your beautiful new home trimmed with window boxes that trail colorful vines of vinca, fuchsia or lobelia. Plants flourish without the use of harsh chemicals and fertilizers that damage soil and endanger the water table.
Organic compost acts as a natural fertilizer without introducing toxins into the ground. Use your compost, indoors or out, in vegetable gardens and driveway borders. It will boost the growth of herbs in your windowsill pots and will keep your ferns happy and content.
Food scraps tossed in your trash make your kitchen smell unpleasant. If you keep a small composting bucket with a charcoal filter on your countertop, odors are easily contained. When the bin is full, simply take it outside and add it to your compost pile for rich, beautiful soil that's ready when you need it.