Debi Face - KELLER WILLIAMS REALTY / Metropolitan



Posted by Debi Face on 11/12/2017

There’s a lot to buying a home. There’s no perfect home. Home inspectors will tell you that even brand new houses have their issues. If you know the right questions to ask before you even buy a home, you’ll be armed with a knowledge that you wouldn’t otherwise have. There are some very revealing questions that you can ask sellers to help you get some insight into a property. These questions can usually also be answered by your home inspector when you get to the inspection process.  


Have You Had Water Damage Or Pipe Issues?


Water damage is a big deal. It can hide mold and other damage. There’s also a big issue if the pipes in a home have previously burst, or caused water damage on their own. Especially in cold climates, water damage and burst pipes can be common if the piping has not been properly insulated.


The Age Of The Roof


If the roof on a home has been recently replaced, that’s a huge bonus to buying the home. Roofing typically lasts about 25 years until it needs to be replaced. If a roof is getting close to the end of its lifespan, you can ask for a rebate or be wary that repairs will need to be made in the near future. 


Pests


If a home has had any kind of significant pest infestation, then you’ll want to know about it and be sure that it has been resolved. There could be some underlying conditions within the home itself that have made the pest infestation possible. Whether there’s some unaddressed holes, rotting wood, or hidden leaks, they’ll need to be taken care of so that an infestation doesn’t reoccur. 


Paranormal Activity


This may sound strange but some people will run out of their homes as fast as they can if they see a ghost or something else. “Haunted houses” are a particularly difficult sell. This includes homes with:


  • Ghost sightings
  • Murders
  • Suicides
  • Unusual deaths
  • Drug labs


Many states require that these problems and conditions be revealed in a disclosure statement. Other states do not legally require this. Check local laws to find out more about paranormal activity disclosures.

Some other great questions to ask when you’re in the process of buying a home are:


  • Will your car fit in the garage?
  • How much are the utility costs?
  • Who are the utility companies?
  • Does the home have a sewer or a septic tank?
  • Are there any warranties left on items in the home?


Asking these questions not only helps you as you move into a new home, but it helps you to get a better understanding of what types of insurance you need to put on your home. If you need to add a few extra pieces to the policy to protect yourself due to any information that you learn, you’ll feel safer.




Categories: Uncategorized  


Posted by Debi Face on 11/5/2017

Deciding to put up a fence on your property may seem like a simple decision, but there are a lot of things to consider before hiring a contractor to get it done.

One question to ponder is whether your neighbors might be offended or annoyed by the sudden appearance of a fence near the edge of their property. The answer to that question would partly depend on your relationship with your neighbor, the size of your lot, and whether the fence is tasteful or an eyesore. The problem with that standard is that "tasteful" is in the eyes of the beholder!

Tall fences can and sometimes do have a way of changing the look and feel of your immediate neighborhood, so the installation of a fence could potentially cause resentment from other property owners. The decision to put up a fence on your property is a personal one, but there's also a lot of value in maintaining friendly neighbor relations. (It can be a delicate balance!)

One Step at a Time

In some places, local ordinances or Homeowner Association rules may impose restrictions on fences and other structures. Many towns and municipalities require that you (or your contractor) obtain a building permit before putting up a fence, so a quick phone call or email to the appropriate local official can shed light on requirements, restrictions, and other assorted rigmarole!

Since the cost of installing a fence can easily run into the thousands, it always pays to get a few estimates and proposals from reputable fence companies. Other decisions include choosing the best height and composition of the fence. Fencing materials range from metal and chain link to vinyl and wood. Composite fencing materials are also an option.

Your choice will depend on a lot of factors, including cost, durability, maintenance aspects, and appearance. Online information, free brochures, and meetings with contractors can help you learn more and make an informed decision.

Once you've moved beyond the potential issues of installing a fence on your property, there are several distinct advantages to fencing in your back yard.

  • Enhanced privacy: While "privacy" can mean different things to different people, a tall fence offers an immediate solution to a variety of privacy-related problems. 
  • Pet containment: If you don't always have the time or energy to take your dog(s) for a walk in the neighborhood, it's a major convenience to be able to let them out in a contained area to relieve themselves and get a little fresh air. It can also be a good way to keep them safe and out of trouble!
  • Wildlife barrier: Although there are often gaps at the bottom of fences that prevent fences from being completely wildlife-proof, a properly installed fence can drastically reduce the chances of wildlife sneaking their way into your back yard. Whether you want to protect your vegetable garden or pets from wild animals, a solid fence can be the barrier that you need.
  • Increased security: While fences are not always an impervious barrier to burglars, trespassers, and other intruders, it does provide some protection from those potential threats.
If you're searching for a new home or looking to improve your existing property, the right kind of fence can provide you and your family with a myriad of benefits.





Posted by Debi Face on 10/29/2017

It’s no secret that the best time to finance a home is when mortgage interest rates are low. You could save thousands of dollars over the lifetime of your mortgage if you finance at the right time. With interest rates still being low, some wonder why more people aren’t refinancing their homes, especially if doing so would save them $100 or more a month on their mortgage payments.

Although low interest rates are a primary reason to consider refinancing a home, it’s not the only reason. Other reasons to consider refinancing include:

  • Ready to adjust length of the loan – Refinancing your home could allow you to extend the number of years that you have to pay for your house, potentially lowering your monthly installments. Just be careful that you don’t end up paying higher interest rates in the long term. Of course,you could also shorten the length of your loan. Generally, this option will find you paying less interest over the lifetime of your loan.
  • Moving to a fixed rate mortgage – Adjustable rate mortgages may start out low, but they don’t always remain low. Even with a fixed rate mortgage, you could spend more on your house each month due to an increase in home owner association fees or property taxes.
  • Improved credit scores – Stronger credit scores could help you to get a better adjustable rate mortgage.

If you’ve had your mortgage for several years, you may have paid on a good deal of the principal. Refinancing and starting with a new loan could backfire, causing you to pay more interest. If you have a lot of equity in your home but you’re struggling to stay current on your monthly mortgage payments, consider renting out a room at your house.

You could also work a part-time job, even if you work a remote job from home, until you become current in your payments. A few months of work change could save you money and headaches down the road if you only need $200 or less each month to make your mortgage. Other alternatives would be to become more energy efficient and to create and stick to a budget. Think short and long term gains.

Depending on your existing mortgage, you may or may not be charged a fee to refinance your home. Some mortgages charge a prepayment fee to refinance. Simply because you’re paying the loan off early, you could be assessed the fee. Definitely check with your lender to see if such a clause is in your mortgage contract.

Take your time shopping around for a better mortgage. Regardless of the lender that you refinance your home through, you may pay refinancing fees. Some lenders may also require you to pay for another home inspection, application fee,origination fee and closing costs. Factor in all charges and fees that you will incur if you refinance your home before you sign on the dotted line.

If your home no longer meets your family’s needs, moving to a new house might be a better option than refinancing. Another time when you might not want to refinance your home is if your kids are getting ready to start college and you’ll be taking on student loans.





Posted by Debi Face on 10/22/2017

In today’s world, people will do anything to cut costs. Many people consider selling their homes without a real estate agent. If you decide to go the “for sale by owner” route, you could potentially save thousands of dollars in agent fees. However, you’ll need to be prepared to do a lot of legwork in the process of selling your home. There’s also no guarantee of a final sale in the end. Ask yourself these questions when you decide to sell a home on your own:


  • Do I know The Value Of My Home?
  • Can I Take On The Marketing Responsibilities Myself?
  • Will I be Able To Take Criticism Of My Home? 
  • Can I Screen Potential Buyers?


Pricing Your Home


There’s a lot of information that’s readily available to real estate agents that wouldn’t be available to you as a lone seller. You’ll need to know the marketable price for your home as well as how competitive the market is. If you’re selling on your own, you may need to pay for an appraisal ahead of time, which is something the buyer typically does. If you want to sell quickly, you’ll want to price your home a bit lower than the average for the neighborhood. 


Are You Ready To Work With A Buyer’s Agent? 


Real estate involves a lot of negotiating. If you want to sell your home on your own, you’ll need to ask yourself if you’re ready to work with a buyer’s agent directly. Sellers are typically responsible for paying the agent's commissions on a home sale. Commission is negotiable but if you lack the knowledge and skills in this area, you could end up making a big mistake as a seller. 


You may end up going through several price cuts in order to save yourself from difficulty in selling a home. When a house has been on the market for a long time, it leads buyers to ask, “What’s wrong with that property?” Without marketing efforts and some price cuts, you could end up with a big loss by selling a home on your own. There’s so many advantages to hiring a real estate agent including the fact that they have extensive knowledge and experience in the field.   


Agents Work As A Buffer For You


With the amount of knowledge and experience that agents have, they are able to act as a buffer for you. Whether it be their presence during a home showing or being the point of contact for buyers, hiring an agent can save you a lot of time and aggravation when you’re selling a home. 


There’s a lot of advantages to hiring a real estate agent to help you sell your home. They are your ally throughout the process. If you’re willing to take the dive and venture in selling your home on your own, just know that you’ll have your work cut out for you. The good news is that there’s plenty of information readily available to you, no matter what route you choose.




Categories: Uncategorized  


Posted by Debi Face on 10/15/2017

If you want to buy or sell a home, hiring a real estate agent is a must. With an expert real estate agent at your side, you should have no trouble getting the best results.

A real estate agent can teach you the ins and outs of the housing market and ensure you can make informed buying or selling decisions. In addition, a real estate agent will go above and beyond the call of duty to assist you throughout each stage of the homebuying or home selling journey.

Although many real estate agents are available nationwide, it is important to remember that not all of these housing market professionals possess the same communication skills. And if you hire a real estate agent who is an ineffective communicator, you may miss out on opportunities to buy your dream home or get the best price for your current residence.

Ultimately, there are many signs that a real estate agent is a great communicator, including:

1. A real estate agent keeps in touch with clients via emails, phone calls and texts.

A real estate agent who understands the importance of effective communication will be able to stay in contact with you via emails, phone calls and texts. This housing market professional is happy to work with you in any way possible, and as such, is ready to lend a helping hand time and time again.

Furthermore, a great communicator understands the importance of timely, accurate messages. This means a real estate agent who strives to maintain open lines of communication should have no trouble keeping you informed throughout the homebuying or home selling cycle.

2. A real estate agent listens to your concerns and questions.

Let's face it – buying or selling a home can be stressful, particularly if you're operating in a competitive housing market. Lucky for you, a real estate agent who acts as a great communicator can listen to your concerns and questions and help you alleviate stress.

A real estate agent understands what it takes to assist a homebuyer or home seller. He or she also recognizes the importance of active listening and respond to your concerns and queries instantly. That way, this housing market professional can do whatever it takes to help you remain calm, cool and collected as you buy or sell a home.

3. A real estate agent is unafraid to be honest.

Although the homebuying or home selling journey should be simple, problems sometimes may arise. However, a real estate agent who serves as a great communicator will provide honest, unbiased recommendations to help you overcome any challenges.

A real estate agent is proud to assist his or her clients. At the same time, this housing market professional is unafraid to deliver bad news. Therefore, a real estate agent who is an effective communicator can share good and bad news with clients, provide consistent support and help clients mitigate homebuying or home selling problems as quickly as possible.

Employ a real estate agent who is a great communicator, and you can work with a housing market professional who can help you overcome the challenges associated with buying or selling a home.







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