Are You Ready For Your Home?

Have you spent years renting homes or apartments and have grown tired of paying all that rent money to someone else? If so, then it might be your time to consider purchasing a home, and keeping that cash for yourself. However, you do need to ensure that you are prepared on more than one level before jumping into the equity market. There are many financial considerations to make note of before you start looking for a home. But, if you can arrange your finances into a sensible plan and secure a mortgage then this can ultimately be the most rewarding purchase you have ever made or will make.

Finance plays a huge role in the decision to purchase your first home. This is to be expected as if you are purchasing your first home you will not likely have a few hundred thousand dollars sitting around and will have to find a mortgage of some sort. You should really make sure that you are prepared for the application for a mortgage as it will involve a thorough investigation of your past credit history.

If there are any issues that you know of with your credit then you should take care of them before you apply for the mortgage. Sometimes this is a simple case of oversight, some things have been taken care of and not recorded as such, and sometimes there can be some debts that you will need to see to. Once these are taken care of, be sure to get a letter of release that you can show to the mortgage broker or company if necessary. If there are no issues with your credit then that will only make the process easier.

There is no stronger tool in the home buying process than having all your financing in line before you start shopping. This is a great attraction for sellers as they want their homes to sell quickly and without incident or trouble in the money phase, a buyer with ready-to-go financing's offers will hold greater favor with almost any seller. If you are mindful of these things then when the time comes to make your offer, the whole affair will go much more smoothly and you will be able to dedicate your time to what is important.


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Life is a Stage - So is Your Home!

In this day and age, having to deal with a sluggish market, staging is a must. It can give you the edge that may result in a faster sale or a higher sales price.
First impressions can make or break the sale of the house, and a home that is properly staged helps to maximize your chances of a positive first impression.
Your home will have an advantage over other unstaged homes.
A staged home shows well in web site marketing and video tours, and since the majority of homes are chosen over the internet, this is a vital form of advertising.
Tips for staging your home.
As you go from room to room, there should be a flow to your home. Avoid overly bright or bold colored walls. This may mean repainting some or all of your rooms with more calming, neutral tones. Some people cannot understand that that bright purple wall can be removed with a coat of paint, and these distractions may result in no sales.
Clean the carpets
Furniture: The most common trick used by stagers is to rearrange furniture to create a more stylish look. During my house sale, my stager suggested I move my dining room table into the living room, creating a living/dining room. This freed up space for my crammed kitchen table and voila, I had a brand new and improved living space.
Rearranging may also mean reducing the amount of furniture so that a room looks more open. This includes emptying out closets, even if it means putting some things in storage. Consider renting a few pieces of stylish furniture or pieces of art.
Tidy up your bookcases so that they look pleasing to the eye. This may mean packing away many of your books and keeping out the ones that display well.
Brighten the house up by cleaning windows, and go with higher wattage light bulbs (just until the home sells). Make sure that the lights are left on before an open house, so the prospective buyers are walk into well-lit rooms and hallways.
Creative use of fabrics as accent pieces for additional texture and color are very common.
Remove family pictures, hockey trophies, any traces of everyday family life. You don't want the buyer feeling that they are in someone else's space; they need to imagine their family living in this house.
Use plug in room fresheners, especially to mask pet and smoking odors. If you can't get rid of a smell, overpower it by providing a distraction such as baking chocolate chip cookies and leaving the tray in the oven.
Sweep out the furnace room and clean the cobwebs off the furnace. If the furnace looks cleaner, it appears newer.
Make a list of general repairs, and if you can't complete them, hire a handyman to polish them off.
Add fresh or silk flowers to many of the rooms.
Kitchen:
Display bowls of colorful fruit.
Apply oil to cabinets to revive their finish.
Modernize your cabinet handles.
Clear everything off the counters, finding homes for small appliances - you'll love the look.
Remove fridge magnets and small area rugs.
Have a table set for use, complete with place mats, place setting and napkins.
Bathroom:
Have a set of thick and luxurious towels reserved only for open houses.
Fill baskets with scented soaps and lotions.
Bedroom:
Clear off your night tables, maybe leaving out an interest looking book.
Outdoors:
Place containers of flowers on the patios, decks and entranceways.
Set the table with colorful picnic plates
Power wash the outside of the house, patios and walkways.
It can be difficult listening to strangers telling you how your home needs to look. You really need to be open minded and trust their expertise. Many people are surprised at how hard it is to separate from their homes; just keep telling yourself, "It's not my home anymore". You'll probably enjoy many of the changes you've made and may reflect these in your new house as well. There is just something about living in a stylish, clean, clutter-free environment.
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Making A Good First Impression When Selling Your Home

The decision to buy a home is often dependent upon the first impression of the buyer. This means your home must be spiffed out so buyers will make the emotional attachment.
Making  A Good First Impression When Selling Your Home
Imagine you have always wanted to work in a particular job for a particular company. After years of education, you have finally received an interview for the position. How are you going to present yourself at the interview? Are you going to wear jeans? A t-shirt? Of course, not. You are going to get out your best professional outfit, go get a haircut and so on. Why? You want to make the best first impression available.
Selling a home is no different that going for a job interview or a first date. You must spiff up your home so it makes a great impression on potential buyers. For many buyers, the decision to purchase a home is an emotional one. Recognizing this fact, you want to make it love at first site. This issue is so important that an entire industry has evolved to help you do so.
The home staging industry is exactly what it sounds like. A person comes in and reviews your home from an objective perspective. They will then reorganize the home to make it more buyer friendly. They often will ask you to leave before doing this so they can get the job done without objections.
You must let a staging professional do their job. They are going to help sell your home. They will organize the home in a manner that facilitates this. You, on the other hand, have organized the home in a manner that makes it livable for you. The two goals are very different and you must realize as much.
Once you make the decision to sell a home, your personal tastes are no longer relevant. You will suffer less if you can come to grips with the fact the home is emotionally no longer yours the moment you decide to sell, not when escrow closes. From the moment you make that decision, the property is no longer where you live. It is an asset to be sold for as much money as possible and as fast as possible. You must learn to let go. Don’t worry, you can start looking for a new home to get attached to!
In order to make your home staging a positive experience make sure you use either a realtor who is skilled at home staging, or a professional home stager. The latter is a trained designer and they understand how to create a mood or illusion for the buyer.
Home staging prepares a home for sale, and for the dozens of inquiring eyes that will be scouring the property looking for flaws. It creates an image of the perfectly decorated home, in move-in condition. This should be the next step after decluttering, cleaning and repairing your home. The changes may be as small as rearranging furniture to give the illusion of more space, or repainting with more neutral and soothing colors. Home stagers will offer great ideas for perking up a room with accessories and creating a new stylish look for your home
Independent parties that spiff up your home are not all that widespread. It is a growing service sector, but has a lot of room to grow. If it is available in your area, you would be wise to give it a try.
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