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When you purchase a home, you aren’t handed that home, you are given a title. A title is the evidence that the owner is in possession of the property that was purchased. It is the owner’s right to possess the property and use it how they please. There are many different ways a home can be titled, such as singularly and with other people, as tenants in common or as joint tenants. As with anything, one may want to purchase insurance for their title. What is title insurance? Title insurance protects real estate owners and lenders against any property damage...
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Buying a home takes preparation. Here’s your know-it-all timeline to help you in the buying process. Step One: Understand What You Can Afford Check your credit. A few months before you start looking for a home loan, get a copy of your credit score. Make sure that it is accurate. In addition, getting your credit report early allows you to correct any mistakes you may find. Understand your finances. Understanding your finances is one of the most important parts of the home buying process. Know your income, debts, savings, and monthly expenditures. This helps you to understand what you are...
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Inheriting a home can be a heartwarming experience… or it can be nerve-wracking. Many times, an inherited property will be moved into by the person who inherited it, but there are times when the person decides to sell the home. Here’s some help if you’re planning on selling Tax Implications No Tax Exclusions Typically, when you sell a house, you can take advantage of a tax exclusion of up to $250,000 if you have lived in that property for at least two of the previous five years. Unless you plan on living in the inherited property for two years, you...
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Home Inspection Checklist Structure Inspecting the structure of the home includes looking over the floors, walls, roof framing, and ceiling of the home. From this, you’ll be able to know the foundation type, the materials used for framing, and the important sub-components of the home. Insulation and Ventilation The insulation and ventilation inspection covers the home’s attic, floors, lines, crawlspace, and ductwork. During this piece of the home inspection, the air and vapor barriers are also checked. Exterior The inspection of the home's exterior spans the doors, siding, trim, flashing, and if present, decks, porches, balconies, and steps. The home inspector...
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A Few Quick Tips on Avoiding Stress When Buying a Home Buying a home can be a stressful process. Here are some things you can do ahead of time (and during the process) that may help make buying your home a less stressful - or more enjoyable - experience. Start as soon as possible Feeling rushed is a huge cause of stress. To reduce stress, ensure you have enough time to explore all your options. You want to look at a variety of properties to get a full understanding of the market. If need be, you may be able to break the lease...
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[av_one_full first min_height='' vertical_alignment='' space='' custom_margin='' margin='0px' padding='0px' border='' border_color='' radius='0px' background_color='' src='' background_position='top left' background_repeat='no-repeat' animation='' mobile_display=''] [av_textblock size='' font_color='' color=''] Check out the different house styles, types, designs, and architecture. [/av_textblock] [av_hr class='invisible' height='25' shadow='no-shadow' position='center' custom_border='av-border-thin' custom_width='50px' custom_border_color='' custom_margin_top='30px' custom_margin_bottom='30px' icon_select='yes' custom_icon_color='' icon='ue808' font='entypo-fontello'] [av_content_slider heading='Tap the Arrow or Swipe to See More Home Styles' columns='1' animation='slide' navigation='arrows' autoplay='false' interval='10' font_color='' color=''] [av_content_slide title='Art Deco' link='' linktarget=''] Art Deco: The Art Deco for comes from a variety of influences, ranging from Ancient Egypt, 1930s Hollywood, and Miami Beach. Art Deco structures typically have flat roofs, smooth stucco walls,...
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What's an open house? Open houses are a way to bring in potential buyers to your home. There can be several open houses on any given day, so you want to make sure your home stands out among the others. Make sure it's clean, and the outside is polished. Here are some of the pros and cons to having an open house. PROS Attract First Time Buyers Open houses tend to attract those who are just starting out in the home buying process. Open houses open your home to more buyers in the market. Additional Exposure The chance of selling a...
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What does a buyer’s agent do? An agent usually works with a buyer for a few weeks to several months, or longer. Agents: Introduce buyers to lenders and obtain pre-approval letters Email listings that fit the buyer's requirements Call listing agents to determine availability Make appointments with seller before they show homes Drive the buyer from one neighborhood to the next Finding a buyer’s agent A common way to find an agent is through referrals by family, friends, or co-workers. However, if you are going somewhere new or no one can offer a referral, you can find agents through: Internet searches:...
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The purchase of a home is always contingent on a home inspection. During a home inspection, a professional comes to the property and thoroughly inspects the house, looking for anything that may seem troubling. A house or home inspection is one of the most common parts of a purchase agreement. Before deciding on a home inspector, be prepared to ask these questions to determine whether or not they are the right person for you. Home inspection questions checklist: How experienced are you? How do you keep your expertise up to date? What types of properties have you inspected in the...
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What's considered a starter home? A starter home is a small home or condo that you can afford now, with or without making improvements. When you purchase a smaller home, a mortgage is generally much more manageable and affordable, which prevents the need to make several adjustments to your current lifestyle. There are many benefits to purchasing a starter home before getting a forever home. If you are in a volatile industry, it may be better to purchase a starter home rather than a permanent one. This may be especially relevant if you work on a contract. In addition, if you want to...
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