Coldwell Banker Murray Real Estate



Posted by Coldwell Banker Murray Real Estate on 10/9/2018

For some people, cleaning the house is a relaxing way to pass the time. It's a mindful activity and living in a clean space can help improve your mood and focus. However, for many of us it can be hard to find time to clean after a long day of work, cooking dinner, caring for kids and pets, and so on. Many people try to keep up with the mess by cleaning one room at a time. However, it actually takes much longer to clean if you do it on a room-by-room basis. The most efficient way to clean is by chore. You wouldn't dust or vacuum just one room; you'd do the whole house because it saves you the pain of taking out the vacuum cleaner every time one room needs to be vacuumed. In this article, we'll go over how you can avoid having one long, excruciating cleaning day by spending 5-10 minutes per day cleaning your house.

Monday

Today is pick-up day. After the weekend your home is likely to have a lot of things laying around out of place. Do a quick tidying up in each room of your home. That includes: picking up clothes, clearing off tables and surfaces, and putting away any children's or pet toys that might be on the floor.

Tuesday

Dusting. With your duster in hand, run through each room of your house hitting all of the surfaces. Grab a microfiber cloth for things like TVs and computer screens that might have fingerprints and put it in your back pocket. In your other pocket, keep a lint roller or lint brush for your sofa, bed, chairs, etc.

Wednesday

Floors. Get out your Swiffer, mop, vacuum cleaner and whatever else you use to clean the floors of your home. Sweep each room into a pile, starting from the walls and working your way in. Once all rooms are swept, grab your dustpan and pick up each pile. From there you can run your Swiffer or mop through your rooms with wood floors or tile. Finally, vacuum any carpets or rugs you have.

Thursday

Kitchen day. Mix some white vinegar and water, toss in a few drops of lemon or lime juice, and you've got an all-purpose kitchen cleaner that's free of any harsh chemicals that you don't want going near your food. For areas that need to be scrubbed, like your sink or countertop, sprinkle some baking soda down after you spray the vinegar solution. Once you're done, tuck your spray bottle and baking soda within reach under your sink--you'll need it again tomorrow.

Friday

Bathroom day. There's no denying it--it's the worst room in the house to clean. But, think about how you'll have the next two days off from work and cleaning and you'll have the motivation to get through it. First, go grab your rubber globes, vinegar spray, and baking soda from yesterday. Today, you'll need them for the sink, tub, and toilet. Other useful items to keep for cleaning your bathroom: an old toothbrush for scrubbing tile grout and baby oil for polishing the chrome on your sinks.   Follow this schedule and you'll be on your way to cleaning the whole house in just 5-10 minutes per day so you don't have to dread those marathon cleaning days.




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Posted by Coldwell Banker Murray Real Estate on 10/2/2018

For those who want to simplify the homebuying process, crafting a budget is ideal. Because if you tailor your house search to your finances, you can eliminate the risk of spending beyond your means to acquire your dream residence.

Now, let's take a look at three tips to help you budget for the homebuying journey.

1. Analyze Your Financial Situation

Request a copy of your credit report – you'll be glad you did. You are eligible to receive a free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). Once you have your credit report, you can assess your credit score and take steps to improve it as needed.

Getting your credit report can help you identify outstanding debt and other financial issues that may make it tough to acquire a house. If you can correct these issues today, you can eliminate the risk that they could impact your ability to buy your dream residence in the near future.

2. Consider Your Homebuying Expenses

The price of a home is one of many financial considerations that a buyer will need to evaluate during the property buying journey. Fortunately, if you map out your homebuying expenses, you can ensure that you'll have the finances available to cover these costs as you pursue your dream home.

For example, a property inspection may be used to assess a house's condition before you finalize a home purchase. This inspection will require you to hire a professional home inspector, so you will need to make sure you have the money available to cover the cost of this homebuying expense.

You should consider home closing costs as well. And if you start saving for home closing fees and other homebuying expenses, you won't have to worry about scrambling to get the money to cover these costs as you navigate the property buying journey.

3. Get Pre-Approved for a Mortgage

Pre-approval for a mortgage is a must, regardless of your homebuying goals. If you meet with a variety of banks and credit unions, you can analyze your home financing options and select a mortgage that suits you perfectly.

Banks and credit unions are happy to teach you about different types of mortgages and how each type of mortgage works. Plus, if you have any mortgage questions, banks and credit unions are ready to respond to your queries right away.

As you prepare to pursue your dream house, you also may want to hire a real estate agent. In addition to helping you streamline your search for your ideal residence, a real estate agent can put you in touch with the top mortgage professionals in your area, help you plan ahead for various homebuying expenses and much more.

If you want to conduct a successful home search, it may be a good idea to prepare a homebuying budget. Thanks to the aforementioned tips, you can craft a homebuying budget so you can accelerate the process of acquiring your dream house.




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Posted by Coldwell Banker Murray Real Estate on 9/25/2018

After years in your current residence, you're ready for a change. As such, you've decided to add your home to the real estate market in the hopes of moving on to bigger and better things. Selling a home can be a daunting task, particularly for first-time sellers. Fortunately, we're here to help you maximize the value of your home and accelerate the home selling process. Here are three tips that will ensure you can become an informed first-time home seller: 1. Stay the Course. Although you may expect immediate interest in your residence, it may take some time for interest in your home to pick up. However, a patient, dedicated home seller knows how to stay the course and remain calm, cool and collected throughout the home selling process. For instance, a home seller may add his or her residence to the real estate market and continue to share the online home listing with friends, family members and colleagues. By doing so, this home seller may be able to stir up interest in his or her residence over an extended period of time. It also is important to remember that Rome wasn't built in a day, and much in the same vein, the first offer you receive on your residence might not be the best one. As a result, you should only accept an offer that makes you feel comfortable, i.e. an offer that meets your expectations. 2. Don't Sweat the Small Stuff. After you accept an offer from a homebuyer, the buyer likely will want to set up a home inspection. And if he or she encounters unforeseen problems with your home, problems could arise that may slow down the home selling process. If a homebuyer notices substantial issues with your home, he or she may rescind an offer or ask that these problems be resolved. Furthermore, home repairs can be costly, which means you may be forced to invest in expensive home improvements or risk missing out on an opportunity to sell your home. As a home seller, you may encounter obstacles as you attempt to sell your home. But when difficulties arise, try to focus on what's important – selling your home, maximizing its value and ensuring both you and the homebuyer are satisfied with the end results. A home seller who lets minor issues cause his or her blood pressure to rise may put a home sale in danger. Therefore, if you feel stressed, take a deep breath and try to work with a homebuyer to find a resolution that fits both sides. 3. Employ a Real Estate Agent. The home selling journey often is filled with twists and curves along the way. But with a real estate agent at your side, you'll be able to overcome any pitfalls immediately. Your real estate agent can promote and showcase your residence to prospective homebuyers. This professional also will provide expert tips, enabling you to streamline the process of selling your house. Remove the guesswork from the home selling journey – become an informed first-time home seller, and you can speed up the process of generating interest in your house.





Posted by Coldwell Banker Murray Real Estate on 9/18/2018

It can feel like real estate has its own language. After all, there is a reason agents take courses and need to become licensed!

And for a first-time buyer, I understand that it can be overwhelming and very confusing to keep track of all of this new information on top choosing the home of your dreams and planning a move.

Which is why I’ve created this quick and dirty list of real estate terms every first time home buyer needs to know.

Let’s get started:

A kick-out clause gives the seller the option to continue showing a house after a buyer has made their offer but is slowing down the process with the sale of their own home. The seller can then “kick out” that offer if someone else puts in a more desirable, and readily available, one.

A title-search is simply a search to pull up relevant information to the title of a house. It helps to determine the history of the home and if there are existing regulations in place that affect the property.

Escrow is a neutral third party used to handle transactions throughout the buying/selling process. They hold all related documents and funds until the day of the sale.

Earnest money is usually held in an escrow account and represents your commitment to the sale of a house you have made an offer on. Typically, the amount out down is between 1-3% of the asking price. It is also called “good faith money”.

An appraisal determines a property’s market value. Only a licensed appraiser can pull a report of this information for you. This is the report a lender will use to determine whether or not to lend money to a borrower.

Closing costs are paid at the actual sale of the house. The “closing” is when the title is transferred from the seller over to the buyer. The cost covers all of the fees that were incurred throughout the buying and selling process. A few examples of these fees are the home inspection, appraisal, and escrow. 

A comparative market analysis or CMA is a report pulled from a database your real estate agent has access to. This is then used to determine the offering and asking price of homes.

A contingency is when in order to move forward with a sale there are specific requirements the buyer must complete first. Common contingencies are: waiting on an inspection, pre-approval or signing.

Disclosures are required by law. But what are they? A disclosure means a seller has to inform potential buyers of and problems that would affect the value of the property.

Due diligence is doing the work of fully understanding the property you are interested in before buying it. This includes obtaining insurance, reviewing all documents carefully and walking the property.

During a home inspection appliances, plumbing and electrical work are tested. The heating and cooling system are also inspected. This doesn’t affect the monetary value of your home. This is a way for you to determine what state a home is in and if it is worth the financial investment to you.




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Posted by Coldwell Banker Murray Real Estate on 9/11/2018

Ready to negotiate the purchase of a new home? Ultimately, employing a real estate agent may help you avoid the stress and anxiety that is commonly associated with a homebuying negotiation.

There are many reasons to hire a real estate agent to handle a homebuying negotiation, including:

1. A real estate agent understands the art of negotiation.

A negotiation is a high-pressure situation, one that may be difficult to navigate on your own. Fortunately, a real estate agent understands what it takes to help a homebuyer get the best price for a house – without exception.

With a real estate agent at your side, you can receive support from an experienced negotiator.

A real estate agent possesses extensive skills and know-how, particularly when it comes to homebuying negotiations. This housing market expert will be able to negotiate with a home seller and ensure all parties are satisfied with the end results.

Furthermore, a real estate agent will dedicate the necessary time and resources to complete a successful homebuying negotiation. He or she will go the extra mile to negotiate with a home seller to help you acquire a home that matches or exceeds your expectations.

2. A real estate agent will keep you up to date at all times.

If you employ a real estate agent, it is important to know that this housing market professional will keep you informed throughout a homebuying negotiation. Lucky for you, a real estate agent will provide updates as you try to acquire your dream residence at a price that matches your budget.

A real estate agent acts as a liaison between you and a home seller. He or she will keep you up to date at each stage of a homebuying negotiation and will require your approval on any homebuying decisions.

Also, a real estate agent will provide suggestions during a homebuying negotiation. As a homebuyer, you always have the option to accept or reject this housing market professional's suggestions.

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

Although a real estate agent will do everything possible to help you streamline a homebuying negotiation, he or she will provide honest, unbiased recommendations as well.

For example, if you want a home seller to drastically lower the price of a home after a property inspection, a real estate agent will handle your request. And if a home seller rejects your proposal, this housing market professional will provide you with feedback and help you map out your next step accordingly.

A real estate agent will be able to respond to any concerns or questions that you have during a homebuying negotiation too. As such, he or she can provide a valuable resource and offer homebuying insights that you may struggle to obtain elsewhere.

Don't let the complexities of a homebuying negotiation overwhelm you. Instead, collaborate with a real estate agent, and you can speed up the process of purchasing your ideal residence.







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