Thursday, October 20, 2011
Wednesday, October 19, 2011
Dry Ridge Ky Housing Market
Please check out the link below to discover the latest market conditons for Dry Ridge Ky..
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<iframe src ="http://www.gotrendvision.com/Post2Web.asp?Lev1=NKYM&Chart=/NKY/charts/Z092_01_0147_Bed0111_FB0111_HB0111_05&Uid=" width="670" height="675" frameborder="#"></iframe>
5 don'ts when selling your home
Home sellers are like all others in this busy world we live in....but if your motivated and serious about selling your home....You have to set yourself apart. I have listed 5 of the top mistakes or "don'ts" you shouldn't do when you have your home on the market.
1. You have to make changes in the way you live in your home....You can still live comfortably but not too relaxed. It is very important to put away things that you don't use on a daily basis...declutter your home and don't clutter it back up.
2. Don't ignore maintenance! Just because your planning on moving, doesn't mean you should neglect the leaves in the gutter or the missing shingles on the roof or even the overgrown shrubs...This is the time your home should look the best....
3. Old wallpaper....if you've been thinking about taking it down....now's the time....
4. Now is not the time to paint your family room your favorite color of red... I often have sellers say to me, " I loved that color and if the house doesn't sell, I have to live here and I want to enjoy it" Wrong! this is no longer about you...it's about selling the home...Keep it neutral .
5. Don't throw everything in the garage to declutter the home... Organizing your garage and hanging shelves is a very important. Keeping everything up off the floor and on the shelves will give the appearance of a large area for cars. I recommend removing all cars from the garage before showings. The garage is a very important part of your home.
1. You have to make changes in the way you live in your home....You can still live comfortably but not too relaxed. It is very important to put away things that you don't use on a daily basis...declutter your home and don't clutter it back up.
2. Don't ignore maintenance! Just because your planning on moving, doesn't mean you should neglect the leaves in the gutter or the missing shingles on the roof or even the overgrown shrubs...This is the time your home should look the best....
3. Old wallpaper....if you've been thinking about taking it down....now's the time....
4. Now is not the time to paint your family room your favorite color of red... I often have sellers say to me, " I loved that color and if the house doesn't sell, I have to live here and I want to enjoy it" Wrong! this is no longer about you...it's about selling the home...Keep it neutral .
5. Don't throw everything in the garage to declutter the home... Organizing your garage and hanging shelves is a very important. Keeping everything up off the floor and on the shelves will give the appearance of a large area for cars. I recommend removing all cars from the garage before showings. The garage is a very important part of your home.
Wednesday, October 12, 2011
How to get ready to buy a home
I am asked very often, What should I do toget ready to buy a home?
When you are ready to buy a home, I think you will know...If you are in doubt, I recommend talking to a professional such as myself or a loan officer. We have many qualified loan officers and professionals in the Northern Ky. area.
I would recommend that you have a down payment. Yikes, that's the ugly word no one wants to speak about. I'm not talking about 20 or 30 percent. Some loans only require 3.5 percent down. Keep in mind that you will have a few other expenses involved. Such as Home Owners Insurance, (one year) Inspection fees, and Appraisal fees.
There's many programs out in the finance world that don't require down payment. However you will have to qualify for these loans. One is FHA Kentucky Housing. With this loan, you borrow your down payment from Ky. Housing and it will need to be paid back, so you may have a 2nd mortgage on the home. Rural Housing is another one that is an option, if you don't have a down payment. Again, you will need to qualify and the home must qualify for a Rural Housing loan. This is not the only programs out there. Please call a mortgage professional
So in saying all this, you need to get a pre-approval from a lender before you ever begin your search.
You should know your financial situation, and don't look at homes that are out of your price in hopes they will come down to meet your needs. A new buyer should make a budget for their new home purchase and stick with it.
If you still are not sure what you need to do or even if you're ready to buy please give me a call. I can help you determine if you are ready. 859-468-4227.
When you are ready to buy a home, I think you will know...If you are in doubt, I recommend talking to a professional such as myself or a loan officer. We have many qualified loan officers and professionals in the Northern Ky. area.
I would recommend that you have a down payment. Yikes, that's the ugly word no one wants to speak about. I'm not talking about 20 or 30 percent. Some loans only require 3.5 percent down. Keep in mind that you will have a few other expenses involved. Such as Home Owners Insurance, (one year) Inspection fees, and Appraisal fees.
There's many programs out in the finance world that don't require down payment. However you will have to qualify for these loans. One is FHA Kentucky Housing. With this loan, you borrow your down payment from Ky. Housing and it will need to be paid back, so you may have a 2nd mortgage on the home. Rural Housing is another one that is an option, if you don't have a down payment. Again, you will need to qualify and the home must qualify for a Rural Housing loan. This is not the only programs out there. Please call a mortgage professional
So in saying all this, you need to get a pre-approval from a lender before you ever begin your search.
You should know your financial situation, and don't look at homes that are out of your price in hopes they will come down to meet your needs. A new buyer should make a budget for their new home purchase and stick with it.
If you still are not sure what you need to do or even if you're ready to buy please give me a call. I can help you determine if you are ready. 859-468-4227.
Monday, October 10, 2011
Getting your home ready for a challenging market...
Getting your home ready for a challenging market...especially here in the Northern Ky. area is crutial to the sale of your home. Not only does your home need to be clean and clutter free..you need to make sure any mainentance repairs are finished and possibly consider having your own home inspection. I know, I know, you have the home inspection....Yes..if the seller can identify what may cause a problem later into the sale and resolve the issue in advance, it's makes the process so much easier. Here's a few things you may want to do before listing your home...
1. Have a home inspection.
2. De-clutter the garage (rent a storage space if needed)
3. De-clutter the home....use the 3-3-3 method (a Stephanie Original)
3 items in a room
3 items on a wall per room
3 items on tables...
For example Bedroom ( Bed, Dresser, Nightstand) That's all that 's needed...
Lamp on Nightstand, Vase with fresh flowers on dresser, Alarm clock on Nightstand)
3 pieces of art-work and no family photos.
Dining Room Table, chairs and Sideboard or Hutch
Plant on Table, 2 Tall Buffet lamps on Hutch or Sideboard
Mirror over sideboard or on opposite wall, 2 other pieces of artwork.
You get the idea...
4.. Clean all Light fixtures ( replace if not replaced in past 10 years, or doesn't match the current style of your room).
5. Have carpets professionally cleaned.
6. Curtains should be changed to all neutral or something matching the style of the room... Please nolarge floral or Mauve curtains...lol
7. Paint your front door and clean up any landscaping. A dark color such as Black or Navy or even a Chocolate on the front door is very inviting.
8. Clean all windows to a super bright clean... and replace or remove old blinds
9. Paint the house (neutral) doesn't have to be white or tan... Something not too bright
10. Last but not least give the bathroom a once-over....new caulk around tubs, clean grout on the tile...and replace old vanities and mirrors to fresh modern ones... this is one place that can make or break the sale....
Good Luck and call me soon to get your home sold!!!!
1. Have a home inspection.
2. De-clutter the garage (rent a storage space if needed)
3. De-clutter the home....use the 3-3-3 method (a Stephanie Original)
3 items in a room
3 items on a wall per room
3 items on tables...
For example Bedroom ( Bed, Dresser, Nightstand) That's all that 's needed...
Lamp on Nightstand, Vase with fresh flowers on dresser, Alarm clock on Nightstand)
3 pieces of art-work and no family photos.
Dining Room Table, chairs and Sideboard or Hutch
Plant on Table, 2 Tall Buffet lamps on Hutch or Sideboard
Mirror over sideboard or on opposite wall, 2 other pieces of artwork.
You get the idea...
4.. Clean all Light fixtures ( replace if not replaced in past 10 years, or doesn't match the current style of your room).
5. Have carpets professionally cleaned.
6. Curtains should be changed to all neutral or something matching the style of the room... Please nolarge floral or Mauve curtains...lol
7. Paint your front door and clean up any landscaping. A dark color such as Black or Navy or even a Chocolate on the front door is very inviting.
8. Clean all windows to a super bright clean... and replace or remove old blinds
9. Paint the house (neutral) doesn't have to be white or tan... Something not too bright
10. Last but not least give the bathroom a once-over....new caulk around tubs, clean grout on the tile...and replace old vanities and mirrors to fresh modern ones... this is one place that can make or break the sale....
Good Luck and call me soon to get your home sold!!!!
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