Month: March 2019

Tips for Jumping into the Spring Homebuying Season

Written by Marybeth Heckler on . Posted in Real Estate.

If you know anything about the home real estate market, then you know that spring is the biggest season for home buying. Buyers have been cooped up in their old homes all winter and are looking to move while sellers have had the same time frame to get their homes ready for sale.

But, if you’re looking to get into the homebuying market, then there are a few tips you should take care of before you start shopping.

  1. Make a list—Before you talk with a real estate agent, you should write out all of the must-haves that you want in a house. How many bedrooms and bathrooms will you need? Is there a specific location that you want? All of these will help narrow down the agent’s search so you don’t waste your time looking at houses that won’t work for you.
  2. Get your credit in line—A good FICO credit score is essential to buying a home. Let’s just say, hypothetically, you are buying a $300,000 home. A mortgage at 4.14% will run you a total of about $520,000. But if your credit is bad and your interest rate comes out to 5.73%, that same home will cost you about $630,000. That means that bad credit will make the same home cost you over $100,000 more than it would if you had good credit.
  3. Save as much as you can—One of the biggest problems with buying a home is that you have to keep a lot of cash on hand for down payments and emergencies. The more you put down, the better your interest rate and monthly payments will be. But you should also have at least 1-2 months of income set into savings for a potential emergency, such as a major home repair.
  4. Get preapproved—Because Spring is such a huge time for buying a home, you are going to be competing with a lot of other buyers that will be looking at the same prime properties. To make yourself look better to the sellers, you should arrive with a pre-approval from a local lender. These will generally carry more weight than a pre-approved loan from an online lender. You need to do everything that you can to make yourself look appealing to the seller.
  5. Be ready to negotiate—It isn’t enough to just make an offer, cross your fingers, and pray. In a competitive market, you will probably have to pay list price and not be able to haggle down on the price. But, you can still negotiate other areas like extended home warranties and closing costs. This can save you some money without asking too much that might wind up killing the deal.

This spring, thousands of homes, both old and new, will be placed on the market. If you want to jump into this “selling frenzy” then you need to get your finances in order and be ready to negotiate in order to be successful.

 

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Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

When Should You Start Your Home Remodel?

Written by Marybeth Heckler on . Posted in Homeowner, Remodeling.

Spring has always been a popular time to go on a major cleaning spree around the house. But what if you want to do more than just have a spring cleaning? When is the best time to do a major remodel of your home or property? Well, there is actually a system that can be followed.

Let’s look at the best season for each type of remodel so that you can make your plans for the coming year.

First Quarter (January to March)—Even though it can be numbingly cold during this time of year, the good news is that unless you live in a place that gets extreme snow, you will generally have good, solid ground that is relatively dry, as opposed to the spring when the rains come in.

Because of these conditions, it’s a good time to do additions on the house, such as a new sunroom or that man cave he’s always wanted. If you are adding a new room to the house, you can get the exterior work and frame done and then move on to doing the inside when the weather gets rainy in April.

This is also a good time to schedule a remodel because most construction companies don’t do a lot of work during this time. Since this is the “off season,” you can usually get a good deal from the company that is looking for some downtime work.

Second Quarter (April to June)—The weather is getting rainy and warmer, but this is also the #1 time of the year to build a new home. Because of this, construction companies and supplies will probably cost you a lot more. If you do want to do a spring remodel, consider a porch or patio since the ground will have thawed out enough to dig out the area.

Third Quarter (July to September)—The hottest time of the year means that your remodels need to move indoors to take advantage of your home’s air conditioning. Because of this, you will do well to complete an inside renovation such as a bathroom or kitchen remodel.

If you do need to do something outdoors, most construction companies will focus on roofing jobs because of the relatively dry weather and the higher temperatures which are needed to properly seal roofing tiles.

Fourth Quarter (October to December)—This is the right time for smaller remodel projects, like maybe a new shower or a minor tweak in your den or kitchen. Most people don’t want to completely tear out the whole house for a major renovation during the holidays, so construction companies are used to these types of smaller jobs.

There’s a perfect time for everything—from when to buy a new car to when to plant a flower garden. Remodels are no different and once you get the standard calendar down, you can begin to map out your renovations that will make the most sense for your home and budget.

 

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Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

Family Fun Ideas for St. Patrick’s Day

Written by Marybeth Heckler on . Posted in Holidays.

St. Patrick’s Day is right around the corner and even if your family isn’t Irish, you can still have some fun celebrating this event. Unfortunately, many of the celebrations set up in local communities may be centered around green beer and may not be very family friendly. If you have kids, here are some family activities you can do on your own to help get out your green and celebrate.

  1. Parade—Most kids love parades and the St. Patrick’s Day parades in most major cities can be a huge production with marching bands, floats, and Irish musicians. If you live near a place that is scheduling a parade, be sure to check it out.
  2. Treasure Hunt—You can get a jump-start on your Easter Egg Hunt practice with a St. Patrick’s Day themed treasure hunt. Head out to the yard and hide gold coins from your leprechaun’s pot of gold. Then turn the kids loose and let them track them down. As a bonus, you can hide something special as the big prize for the lucky child who finds it.
  3. Holiday Cookies—Baking together is always a great idea. You can make easy “leprechaun gold” cookies by baking sugar cookies and adding a little yellow food coloring for the right gold tint. If you want to get creative, switch it up for green food coloring and get some shamrock shaped cookie cutters to make a variety of cookie types.
  4. Craft Bracelets—If you own a rainbow loom or something similar, you can spend the day making green friendship bracelets to give out on St. Patrick’s Day at school or daycare.
  5. Do some Research—Fun…research? Actually, yes. You don’t have to be Irish to spend this day talking to your kids about your family heritage. This is the perfect time to do a little online research about your family’s origins. And who knows—maybe you can trace some of your ancestors back to the “Emerald Island” itself.
  6. Movie Night—How about a themed movie night to wrap things up? It’s a bit of a lost classic, but Disney’s 1959 Darby O’Gill and the Little People is a great family classic about Irishman outsmarting a group of leprechauns. Adults can also be on the lookout for a very young Sean Connery is this film that is based on a beloved children’s book. If you get a chance, you can even tuck the kids in with an Irish folk tale as a bedtime story.

St. Patrick’s Day is a great opportunity to have some fun with your family. Take some time to do an activity or two this year with your children to celebrate this special day.

 

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Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

Why Moms Should Take Time to Be Creative

Written by Marybeth Heckler on . Posted in Holidays, Motherhood.

If you spend any time on social media, you can often be in for a very humbling experience.

Many moms look at their peers on Facebook and Instagram and marvel at the creative work that they can accomplish while the rest of us are still trying to get a latte to jumpstart our mornings. But it doesn’t have to be that way, nor should it be that way.

March is International Ideas Month and March 8th is International Women’s Day. Let’s celebrate both of these events together with a look at why moms should take the time to be creative.

The need for inspiration—One of the difficulties of being a mom is that you often feel like you are stuck in a world of little kids with no time for yourself or adult conversations. (There’re only so many times you can sing “The Wheels on the Bus” before you snap!)

By expressing yourself creatively, you can get back in touch with a side of yourself that you may have thought went away when you gave birth. If you feel like your creativity has been pushed to the backburner, then spend a day reconnecting with your creative side. Visit a museum or take a walk alone in the park. Send the kids off with the grandparents and spend the day listening to old music or writing poetry. Whatever inspires you and moves you emotionally is a great choice.

Take a class—You may be delighted to discover that there are many resources in the community for expressing yourself. If you live in an area with a small community college, you may want to take a class in photography, art, creative writing, or even cooking. (Anyone who has watched an episode of Chopped can attest that food can be a great way to be creative.)

But you don’t have to set aside that much time for your creative side. Have a girls’ night out at your local “wine and art” shop in order to get together with others, have a glass or two of vino, and then paint something that you can take home and put on the wall.

Beat the baby blues—Postpartum depression is a very real thing that affects thousands of women each year. But one way to fight any type of depression is with creativity and expression. Even if it is nothing more than keeping a journal of your thoughts, you are enabling yourself to express your ideas. This can help keep you sane when the challenges of motherhood start crowding in.

This March, spend some time caring for yourself for a change and learn how to express your creative side. If you get in touch with this key area of your life, you will find your mood elevated and your home life much better.

 

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Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.