Janice Walker's Blog
If you own lots of items and plan to buy a house in the foreseeable future, now may be a good time to list any unwanted items online. That way, you can simultaneously eliminate clutter and earn extra cash for your excess items.
Ultimately, selling items online before you pursue a home can be simple – here are three tips to help you showcase your unwanted items online to dozens of potential buyers.
1. Provide Relevant Information in Your Item Listings
Find out as much as you can about any items you decide to list online. Because the more information you can provide to prospective buyers, the easier it becomes for a buyer to determine whether a particular item is the right choice.
There is no need to stretch the truth in your online item listings, either. If you provide accurate, relevant information, you can help a buyer make an informed decision.
2. Add High-Quality Photos
A picture is worth a thousand words, particularly for those who list items online. Thus, if you add high-quality photos to complement your online listings, you can instantly show off your items to large groups of prospective buyers.
You don't need to be an expert photographer to take high-quality photographs of your items. If you use a smartphone, tablet or digital camera, you should have no trouble capturing top-notch images that you can upload onto a computer without delay. Then, you can add these photos to your item listings and help buyers see exactly what you have to offer.
3. Be Ready to Respond to Concerns and Questions
If a buyer has a concern or question about an online item listing, you should be ready to quickly connect with this individual and provide him or her with the requested information. By doing so, you may be able to speed up the process of getting rid of unwanted items.
As you start selling items online and get ready to search for a house, you may want to find a real estate agent as well. If you hire a real estate agent, you can receive expert housing market assistance as you prepare to pursue your dream residence.
A real estate agent is happy to guide you along each stage of the homebuying journey. First, he or she will help you craft an effective homebuying strategy. A real estate agent next will keep you up to date about houses that fall within your price range and meet your desired criteria. Furthermore, if you find a home you want to buy, a real estate agent will help you craft a competitive offer to purchase. And if your offer is approved, a real estate agent will do everything possible to ensure you can finalize your home purchase as soon as possible.
Don't wait to get started on the homebuying journey – reach out to a real estate agent today, and you can begin your quest for your dream house.
Finding the right vacation house is rarely simple. Dozens of quality vacation residences are available in cities and towns nationwide. Yet if you make even a single mistake during your search for the ideal vacation residence, you risk making a poor property buying decision.
As you get set to begin a search for a vacation home, there are many things you can do to boost the likelihood of finding a residence that matches your needs. Now, let's take a look at three tips to help you conduct a comprehensive – and successful – vacation home search:
1. Establish Homebuying Criteria
Prior to launching a search for a vacation house, consider the features you want in your dream residence. Then you can hone your search for vacation homes that fall in line with your expectations.
Crafting a list of vacation home must-haves usually is a good idea. This list can focus on distinct features you want to find inside your home – from a modern, state-of-the-art kitchen to a spacious master bedroom. It also can focus on home exterior features like a beautiful front yard or a large driveway.
2. Determine Your Preferred Cities and Towns
Once you know what you want to find in your ideal vacation residence, make a list of preferred cities and towns. With this list in hand, you can focus exclusively on vacation houses in cities and towns you know you will enjoy.
Before you craft a list of preferred cities and towns for your vacation home search, it is important to remember that house prices vary nationwide. Thus, it often helps to take a look at home prices in various cities and towns. This will give you an idea about the average price range for houses in different areas.
3. Work with a Real Estate Agent
If you want to streamline your search for a vacation home, it typically helps to hire a real estate agent. Because if you have a real estate agent at your side, you can receive extensive support as you navigate each stage of the vacation homebuying journey.
A real estate agent is a homebuying expert who is happy to share his or her housing market knowledge with you. First, he or she will learn about you and your vacation homebuying goals. A real estate agent next will craft a custom strategy designed to help you achieve your homebuying goals as quickly as possible. Finally, you and your real estate agent can put this plan into action.
Let's not forget about the assistance that a real estate agent provides when a homebuyer is ready to submit an offer to purchase a vacation house, either. At this point, a real estate agent will help a homebuyer put together a competitive homebuying proposal. And if a seller accepts this offer to purchase, a real estate agent then will guide the buyer through the final stages of the homebuying journey.
Take the necessary steps to find your dream vacation home – use the aforementioned tips, and you could accelerate your quest to discover a vacation residence that suits you perfectly.
Want to own a house? Enter the real estate market today, and you can take the first step to make your homeownership dream come true.
Ultimately, there are many reasons to launch a home search sooner rather than later, and these include:
1. You can search for houses in cities and towns across the United States.
There is no shortage of top-notch homes available in cities and towns nationwide. Regardless of whether you want to live in a small town or a big city, you should have no trouble discovering a great residence at a price that you can afford.
Of course, it often helps to establish homebuying criteria prior to starting a home search. With homebuying criteria in hand, you can accelerate the homebuying journey and find your ideal residence faster than ever before.
2. Many home financing options are available.
Although you've always dreamed of owning a home, money might have been a problem. Lucky for you, banks and credit unions offer many home financing options to make it easy for anyone to purchase a residence.
Lenders are happy to meet with you, explain different mortgage options and respond to your mortgage concerns and questions. Then, once you review all of your mortgage options, you can make an informed home financing decision.
Also, it may be beneficial to get pre-approved for a mortgage. If you receive pre-approval for a mortgage, you'll know exactly how much you can spend on a house before you start a home search. Plus, you can tailor your home search based on your budget and speed up your quest to acquire your ideal home.
3. You can receive expert help throughout the homebuying journey.
One of the biggest challenges for a homebuyer is figuring out exactly what to do at each stage of the property buying journey. Fortunately, if you hire a real estate agent, you can receive comprehensive assistance as you go from homebuyer to homeowner.
A real estate agent understands the challenges associated with buying a house. As such, he or she will do everything possible to identify and address these challenges before they escalate.
Typically, a real estate agent will learn about you and your homebuying goals. He or she next will teach you about the local housing market and help you craft a homebuying strategy. And when you're ready, you and your real estate agent can work together to find your dream house.
After you discover your dream residence, your real estate agent will help you put together a competitive offer to purchase this house. If the offer is accepted, your real estate agent will help you navigate the final steps of the homebuying journey. Best of all, if you ever have homebuying concerns or questions, your real estate agent will respond to them immediately.
Take the guesswork out of finding and buying your ideal residence – reach out to a real estate agent today, and you can begin your quest to find your dream house.
Do you have what it takes to be a responsive homebuyer? Ultimately, your ability to respond to requests from home sellers and others may dictate your homebuying success.
Becoming a responsive homebuyer can be easy – here are three tips to ensure you can do just that.
1. Learn About the Housing Market
A responsive homebuyer understands that he or she has a lot to learn about the housing market. As such, this individual will allocate the necessary time and resources to analyze the real estate sector.
Typically, a responsive homebuyer will perform comprehensive online research. This will help a homebuyer assess a broad range of residences so he or she can tailor a home search accordingly.
Let's not forget about a responsive homebuyer's diligence, either.
A responsive homebuyer may work with an expert real estate agent, i.e. a housing market professional who knows what it takes to land a top-notch house at a budget-friendly price. By doing so, this homebuyer can boost his or her chances of streamlining the homebuying process.
2. Be Available
Are you ready to check out houses as soon as they become available? A responsive homebuyer should have no trouble tracking the housing market and staying up to date about new residences. That way, this individual can act quickly if he or she discovers the perfect home.
An informed approach can make a world of difference, and in most cases, separates a responsive homebuyer from an ordinary property buyer.
Usually, a responsive homebuyer will study the housing market closely and track new houses daily. This property buyer also may collaborate with a real estate agent who will keep him or her informed about new houses that become available.
Perhaps most important, a responsive homebuyer will be ready to accept phone calls, emails and texts throughout the homebuying cycle. He or she will even be open to communication with a home seller – something that may help this homebuyer acquire a first-rate house.
3. Offer Positive Responses to Feedback
Although a responsive homebuyer is eager to learn about the real estate sector, he or she won't pretend to be a housing market expert. In fact, this individual often is happy to receive feedback throughout the homebuying cycle.
A responsive homebuyer may consult with a real estate agent who can offer homebuying recommendations and suggestions. This homebuyer may not always agree with a real estate agent's advice, but he or she also will listen to everything that a housing market professional has to say.
Becoming a responsive homebuyer may seem like an uphill climb. However, with support from a real estate agent, you may be able to accelerate the process of transforming your homeownership dream into a reality.
Real estate agents are available in cities and towns nationwide and serve as homebuying guides. These housing market professionals can help homebuyers find residences that they can enjoy for years to come.
Take the next step to become a responsive homebuyer – use these tips, and you can move one step closer to securing your ideal residence.
We all know that buying a home is expensive. For first-time buyers who don’t have the luxury of equity for a down payment, it can be difficult to find a way to finance your home without taking on a huge interest rate and mortgage insurance.
Fortunately, loan programs like those offered by the U.S. Veterans Affairs can be a godsend. However, there is a great deal of confusion around who is eligible for VA loans and how to acquire them.
So, in today’s post, we’re going to cover some of the frequently asked questions of VA loans. That way, you can feel confident in knowing whether or not it’s a good financing option for you and your family.
VA Loans FAQ
Who is eligible for a VA Loan?
VA loans aren’t just for veterans. Most members of the military, including Reserve and National Guard members can apply. Additionally, spouses of service members who died from a service-related disability and those who died on active duty can apply as well.
How long do you have to service to be eligible?
The VA defines eligibility as having served no less than 90 days of service during wartime and 181 days of continuous service during peacetime.
Who are VA Loans offered by?
Like any other loan, VA loans are offered by private lenders. The difference is that VA loans are guaranteed by the government. That means that the federal government takes on some of the risk of lending to you, therefore making it possible to secure a loan with little or no down payment.
Should I make a down payment on a VA loan?
If you have the means, making a down payment will almost certainly save you money in the long run. If you can put down 10% of your total mortgage amount, you can also significantly reduce the VA Funding Fee.
Will I have to pay private mortgage insurance?
Private mortgage insurance (PMI) is something that borrowers pay on top of their mortgage payments and interest. This additional insurance helps borrowers buy a home with a small down payment. VA loans allow you to secure a mortgage without PMI.
Are VA loans different for active duty, National Guard, and Army Reserve members?
Each type of service member is eligible for a VA loan. However, there are some minor differences regarding the VA Funding Fee. With no down payment, an active duty member would pay 2.15% of the loan amount in fees. National Guard and Army Reserve members pay around 2.40% with no down payment.
What does my credit score need to be to get a VA loan?
The VA doesn’t have a set minimum credit score. However, the private lenders that offer the loan do. On average, the lowest credit score that you can secure a VA loan with is around 620. That being said, a higher score will secure you a lower interest rate, saving you money over the lifetime of your loan.