About The Back Yard...

The Back Yard

You only get one chance to make a first impression. When buyers are looking at your home, they will usually know almost instantly whether they like it or not. Make sure that by the time they get to looking at the back yard, you keep that great first impression going. Especially during summer months, when buyers will be thinking about barbeques and children playing, the back yard can make an important impression.

ü  If you have a pool or hot tub make sure you keep it looking clean and neat.

ü  If your lawn is looking a little bit weak, some fertilizer and watering will bring back the deep green color. Be sure you mow and edge your lawn frequently until your home is sold.

ü  Cut back overgrown shrubs to show more of the exterior of your home. It will look tidier and also makes the yard look bigger.

ü  Fences should be in good repair, and you should consider painting them. Make sure all latches and hinges are in good working order.

ü  If you have a dog, be extra vigilant to keep the “evidence” to a minimum.

ü  You can plant a few annuals to add some instant color that looks great.

ü  If you have a patio, make sure the furniture is clean and strategically placed.

ü  Consider adding some potted plants.

In short, do everything you can to make your back yard look as inviting and large as possible. It could mean the difference between an excited buyer and one with nagging doubts!

 

Having an agent that is proactive and involved in the preparation of a home before it is put on the market will make all the difference when it comes to selling your home.
I can do all that and much more, Give me a call and we can get started!
www.GeniyaK.com

Why Have an Agent When Looking for a Rental Home???

​Even though associated with rentals also, it is known as a “Buyer's Agency”. Simply put, it allows the Agent with whom you are working to be your representative and to put your interests above all others. This gives you someone on your side, whose main concern in a transaction is you and your needs.
When you see a listing agent’s contact information, know this: The Agent, unless specifically disclosed otherwise, represents the owner in any transaction for the leasing of a home. It is that Agent's fiduciary duty (where their loyalty lies) to protect the owner’s position at all times. So protect yourself and your interest in the home renting transaction, get an agent to look out for you. Best of all; it will be no out of pocket cost to you! That’s right, it’s FREE!!!

So have a friend on your side, working for you!
www.GeniyaK.com

5 Steps Towards Securing a Home Mortgage:

1.    Know and maintain your credit score.
Your credit rating will be the first thing lenders look at, make sure you know what it is and where you want it to be (most banks look for a rating over 675)  before you walk in to a bank, or apply for a quote online. This will also keep you in the know about any inaccuracies that may be in your credit history, giving you time to fix anything that may not be correct.

2.    Document your monthly bills and determine how much you can afford.$$$
Lenders want to make sure that you will be able to pay them each month, so budgeting your monthly bills will show you what you realistically spend every month on bills. Be sure to include all credit card payment, car loans, school loans, insurance payments, and all of the other bills that are constant monthly expenses. Before you talk to a mortgage broker; gather copies of all your bills, three years’ worth of tax returns and pay stubs. This will be important in showing that your bills are under the maximum preferred 33% of your total monthly income.

3.    Plan on making a down payment.
Almost all lenders will require that you make at least a 10% down payment. In order to avoid costly private mortgage insurance (PMI) you will be required to make a down payment of at least 20%. Make sure that you work the amount of money you plan to put down in to your budget planning when figuring out your monthly expenses. 

4.    Shop around locally and online fore mortgage lenders.
Make sure that you find the mortgage that best works for you, and also has the most competitive rates. Keep in mind that not all banks and lenders use the same criteria when determining the rate they are willing to offer you. While most banks do determine your rate based on the amount of your loan, there are many other factors that weigh heavily on the quote you will receive so shop around and compare.

5.    Once you have chosen a lender.
You have gotten all of your paperwork in order after figuring out a comfortable budget, saved for a down payment, shopped around for the lender that best fits your needs. Now it is time to apply for a prequalification letter. This letter, while not an actual loan, is stating that the lender of your choosing has agreed to lend you money for a home given the information provided is accurate upon their further investigation. A prequalification letter is one of the most important tools when looking to purchase a home, helping your chances of getting an offer on a home accepted.

With this letter in hand, all you need now is the right house, and I’ll be happy to help you find it!
www.GeniyaK.com