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The newest trend in the housing market is flipping houses. Just look at all the shows on HGTV that are based on this very premise. There has been a recent fascination with fixing up houses to resell, and it is amazing to watch the final product come through. If you’re in the market to flip a house or considering the idea, here are some things that you should know. First-time Flippers One thing that first-time flippers, or flippers in general, may underestimate is the costs associated with flipping houses. The obvious first expense is the property acquisition cost. Paying...
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Rent-to-own vs Mortgages - what is the difference? Home ownership is an important step in everyone’s lives. When it’s finally time to take that step, you may question which route is right for you: signing a rent-to-own agreement or getting a mortgage and purchasing a home. As with any decision, there are pros and cons to each. Rent-to-own (RTO) The rent-to-own option describes a real estate property that is leased in exchange for a monthly payment, with the option to purchase the property during — or at the end of — the agreement. Landlords typically charge more for these types of leases, with...
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Are you using a local lender or one of those nationally advertised mortgage companies? We have all heard the term "shop local" but what about your Mortgage? Garden State Home Loans is a local company with roots in the communities we serve. 1. Local Lenders have local connections. When putting in an offer on a home, the listing agent will take your mortgage lender into consideration. Real estate agents often have preferred lenders that they’ve built strong relationships with, so going with a local lender boosts the chances of having your offer accepted! 2. A more personal experience. Local lenders...
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Let's look at the advantages of Owning vs Renting. Purchasing real estate is a big decision that shouldn’t be taken lightly. It’s likely one of the biggest purchases you’ll make in your lifetime. Just because it can be a daunting task, doesn’t mean it won’t be worth it! Let’s take a look at some of the reasons you should be owning rather than renting. Owning vs Renting #1: Rent Rises If you have a fixed-rate mortgage, you’ll be able to better budget your money. Rent is always on the rise, but by owning your home, you’ll have more control over...
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What is an HOA and how will it affect your quality of living? If you are buying a condo, townhouse, or free-standing home in a neighborhood with amenities such as a shared swimming pool, tennis courts, or parking garages, odds are that there will be a homeowner’s association (HOA). What is an HOA? An HOA helps the community maintain a pristine appearance and make sure that all amenities and common areas are functioning smoothly. If something is broken, it is not up to the homeowners to fix it. Instead, the HOA is responsible for getting the job done. HOA Fees ...
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With a limited supply of houses and a large pool of buyers, its no surprise that bidding wars are becoming standard procedure. As a result of this, buyers must constantly be on their toes to ensure that the home of their dreams doesn’t slip through their fingers. While preparing to counter other offers won’t guarantee that you secure the house, it’s wise to construct a plan of action for when the time comes. Keep reading to get the scoop on what some of the best strategies and tactics are for winning a bidding war. Increase your Offer The best way...
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Homebuying is a two-way street. Not only are you looking for the perfect home, but sellers are also looking for the ideal buyers. If you're unaware of proper buyer etiquette and what to keep private from the seller agent's knowledge, then keep reading. These six tips will help you navigate what to avoid saying when homebuying. Shy away from negative comments on current decor While it can be tempting to start envisioning how you want to transform a space, be sure to keep your ideas to yourself. Telling a seller or their agent that you don’t like the current decor can...
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Buying a house can be a stressful experience that often throws unexpected curve balls. You'll likely come across numerous suggestions telling you what to do when buying a home, but what about the things you shouldn't be doing? Whether you're familiar with the home purchasing process or not, these 6 tips on what not to do can make a huge difference in your experience. Avoid other large purchases Making other big purchases such as a car or appliances for your new home can hurt your chances of getting approved for your desired loan. This is a common mistake when home buying...
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How Your Neighbors Affect Your Home Value When selling your home, one thing that affects whether you can sell your home and how fast you can sell your home is your home’s value. Most people know that a home’s value can be affected by your home, but did you know that your neighbor’s home can also affect your home’s value? Here are four things about your neighbor or your neighbor’s home that can affect your home’s value. Physical problems The curb appeal of your neighbor’s home is almost as important as the curb appeal of your home. Any visible signs...
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Real Estate Offer Letters An offer letter is a legal document used by a buyer who wants to place a bid on a house that is for sale. You want the seller to feel positive about you after reading your letter. To make your offer letter the best it can be, follow these seven tips. Make a connection You want to make the seller identify with you and your family, so search for something you and the seller have in common. This can be anything from you sharing the same line of work to noticing something similar in their house...
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