Harold (Buddy) Pope's Blog
When it comes to finding the ideal neighborhood for your next home, there's no "one size fits all" formula.
While some people enjoy the hustle and bustle of an urban environment, others prefer a quiet family-oriented neighborhood in the suburbs.
Whatever your preferences, convenience is near the top of just about everyone's priority list. Here's why:
Closeness to Work: Long, daily commutes are not only stressful, but they can cause you to miss family dinners, school events, and relaxing evenings at home. There's also the added cost of gasoline, highway tolls, and wear-and-tear on your vehicle. If you happen to be leasing a vehicle, then long commutes could result in additional mileage charges at the end of your lease. Although car leases vary, exceeding the mileage allotment set by the leasing company can sometimes run you as much as 25 cents a mile. That can potentially add up to a hefty surcharge!
While there are a lot of reasons to look for a home that's relatively close to your job or business, quality of life issues are among the most important. As an example, if your daily commute is 45 minutes, each way, that adds up to an hour-and-a-half on the road. If you factor in occasional traffic jams, road repairs, and other inevitable delays, you're talking about more than eight hours a week just driving back and forth to work. It's equivalent to adding an additional work day to your week! Although it's not always feasible (especially in two-income households), there are major advantages to finding a house that's less than a half-hour commute to your job(s).
Proximity to Conveniences: Life will also be easier if you live close to a well-stocked supermarket. When you shop at a large, high-volume grocery store, prices are more economical and food tends to be fresher. Corner grocery stores and pharmacies are nice to have nearby when you just want to pick up a few quick essentials, but for selection, price, and freshness, supermarkets are usually your best bet!
Other desirable locations to keep in mind when house hunting include good-quality schools, reputable childcare centers, and proximity to family and friends. Depending on your lifestyle, you might want to be close to airports, major highways, recreational facilities, and entertainment. It can also be an advantage to choose a home near medical and dental offices, a veterinary clinic, and a preferred church, synagogue, or mosque.
When launching a search for your family's next home, the key to success is to stay focused, create detailed priority lists, and work with a seasoned real estate agent. Whether you decide to live in a rural area, suburbia, or downtown, a real estate agent has the knowledge, training, and negotiating skills to help you get a good deal and match your lifestyle goals with your budget and timeframe.
When you sell your home, it may be tempting to just try and put your home on the market yourself without any assistance. By hiring a real estate agent, you’ll have a insurance policy of sorts that allows you to know that everything is taken care of throughout the process of selling. The general goal in selling a home is to sell it as fast as possible for the most amount of money that you can. A realtor should do a bit more for you than simply post the home and hope that it sells. Here’s what a great realtor who is looking to be an advocate for their sellers will do for you:
Put The Home On The Market For The Right Price
Selling a home at the right price is the single most important thing that can be done in the entire process. A good seller’s agent will pinpoint the right price for your home. If the home is priced too high, there will be no interest in the property. People will believe that the price can only come down. If the price is set too low, a bidding war can ensue, or buyers may wonder what’s wrong with the property. There’s many different formulas and methods that agents will use to price the property right. The important thing is that the agent does his research.
The Market Needs To Be Marketed
Marketing is one thing that agents should be good at. A good seller’s agent will take good photos of a property or hire a professional photographer if needed. The photos and videos that are put up online are a big part of how homes get sold. Buyers want to know the property before they even see it in person. A realtor can help make this impression visible online.
Communicate With You
An agent should keep their sellers informed about what’s going on in the sale of their home. Even if offers haven’t come in, realtors should be getting in touch with their clients regularly to update them on home showings, concerns, and open house dates. A good seller’s agent will regularly communicate with you throughout the sale of your home. At the start of the sale, you’ll know a realtor is a good fit since they’ll return your calls and e-mails promptly.
Be There For The Home Appraisal
When you’re selling your home, the appraisal can be one of the most nerve-wracking things that occurs during the entire process. Your agent should attend the appraisal to help clarify confusion and answer the appraiser’s questions. The realtor will be educated on the recent updates that have been made to the home. These are what add immense value to the home.
9 Oldham Road, Raymond, NH 03077
Ready to submit a home loan application? Ultimately, there are many factors to consider before you finalize your submission, and these include:
1. Your Outstanding Debt
If you have outstanding student loan, car or other debt, you should try to pay it off as quickly as possible. By doing so, you can boost your chances of securing a home loan that matches or exceeds your expectations.
Take a look at your outstanding debt and make a plan to pay down your bills. With a plan in place, you may be able to reduce or eliminate outstanding debt before you complete your home loan application.
2. Your Credit Score
A strong credit score will help a homebuyer get a terrific home loan. Conversely, an inferior credit score is unlikely to do you any favors after you submit a home loan application.
Learn about your credit score before you finalize your home loan application. Then, you can allocate the necessary time and resources to boost your credit score or correct any errors on your credit report.
You are eligible for one free copy of your credit report from each of the three major credit reporting bureaus (Equifax, Experian and TransUnion). Request a copy of your credit report, and you can understand where your credit score currently stands.
Also, if you find any errors on your credit report, contact the credit reporting bureau that provided the report immediately. This will allow you to correct any credit report mistakes and reduce the risk that these errors could impact your ability to secure a home loan.
3. Your Savings
It never hurts to save money, especially if you'd like to purchase a home in the near future. If you start saving today, you may be better equipped than other homebuyers to have the necessary finances in place for a down payment on a house.
In most instances, lenders will require you to have at least a small portion of the purchase price of a home available for a down payment. If you have thousands of dollars available for a down payment, you may be able to boost your chances of getting a "Yes" from a lender after you submit your home loan application.
Getting a home loan may seem like a long, arduous process. Fortunately, many lenders are available to help you secure a great home loan.
Meet with several lenders as you explore all of your home loan options. That way, you can learn about a broad array of home loan options and choose a home loan that matches your finances perfectly.
After you secure a home loan, you'll be able to move one step closer to securing your dream residence. Of course, if you need assistance during the homebuying journey, it never hurts to reach out to a real estate agent as well.
A real estate agent will do everything possible to help you acquire a top-notch residence at an affordable price. Thus, if you employ a real estate agent, you may be able to enjoy a fast, seamless homebuying experience.
Many people consider building some type of outdoor space to add to their home. There’s nothing better than being able to enjoy nature right from the comfort of your own home. The outdoors become an extension of your home when you build these spaces. A deck is one of the simplest ways that you can add something to the house and be able to make use of outdoor spaces at the same time. The important thing to know is that a deck is an investment. Before you decide to add a deck to your home, you’ll need a budget in place as you don’t want any home improvement project to become financially overwhelming. With that budget, keep the returns you could make along the way in mind
Really, adding a deck to a home is about buyer appeal. It probably goes without saying that a deck is something that can add a lot to a home and add to the overall value of your home in the case that you are looking to sell it in the near future. The best improvements that you can make to a home are in fact those that add value. It’s estimated that the return you’ll get on building a deck is about 65-90%. The bottom line is that the investment of building a deck does add to both the monetary value and the pleasure of a owning home.
Consider The Area You Live In
Obviously the region or state that you live in has a big impact on just how much value a deck can add to a home. Especially in nicer climates, a deck will be great for just about any neighborhood. In regards to area, you should also think of the construction costs. Some areas will be more expensive than others to build in, but the overall investment could be worth it for the region.
How Will You Build It
The amount of return that you get from a deck depends upon how you build it. If you’re a DIY homeowner, you’ll get the most return by far. If you hire a contractor, the return will be less, but you may avoid hiccups in the building of the deck itself. The more complicated you make the deck, the more it will cost. These extras don’t necessarily mean that you’ll get as much of a return as you’d expect.
Focus On Your Needs
No matter what you decide, building a deck has to match your own personal preferences. You want to make the most use out of your new space with you and your family. Build a deck that works for you. Even if your goal is to add value to your home, you don’t want to undertake a project that you don’t love in the end. Keep all of this in mind when you build your deck, or any other outdoor space in your home and you’ll be able to enjoy your home in bliss.