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Posted by Coldwell Banker Murray Real Estate on 6/11/2019

If youíre looking to increase the value of your home before you sell, there are certain things that you can do to attract buyers and get a high return on your investment in your home. Thereís only so much time and money that you have to invest in your home. You will be purchasing a new place most likely and will need some capital for that. Read on for some tips on how to cheaply and efficiently make some quick improvements to your home. 


Stage Your Home 


You donít have to create a significant expense to make changes to your home. If thereís one thing you should know about selling your home, you should make an appearance. Clear out the clutter in your home. Then, take some time to stage it. No one who is touring your home should see your personal papers, childrenís toys, and celebrity shrines. Think minimalistic when it comes to the things that need to be in your home when itís put on the market. Having a clean house can make all the difference in selling your home.


First Impressions Are Everything


A mess never makes a good first impression. If things appear in disarray around the property, itís going to deter interest in the home. Make sure the yard looks presentable. Add some plants to the outside of the house. A simple clean up can make a big difference in the property. 


The Kitchen And The Bathroom Are Points Of Interest


People pay particular attention to the kitchen and bathrooms of a home. One reason for this is that these rooms are particularly expensive to renovate. At the very least make sure that these rooms are clean. If you have the time and funds to replace tiles, or replace the sink, definitely complete these projects. 


Donít Try To Take On Projects Yourself


Itís important to recognize what you can and canít do. Hiring a professional to complete your projects can make a big difference. If you donít have a grasp on home renovation procedures, an improvement can turn into a nightmare. It could end up costing you more money and time in the long run. 


Hire A Real Estate Agent


Hire a real estate agent to help you sell your home. Real estate agents understand how to price and market a home for an optimal sale. Fees for sellerís agents are very reasonable and worth it if you want a good price for your home.  


As you can see, there are many simple ways you can get more value out of your home when you head to sell it.            





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Posted by Coldwell Banker Murray Real Estate on 6/4/2019

If you want to buy a house, it pays to enter the real estate market with a checklist in hand. That way, you can streamline the process of going from homebuyer to homeowner.

Now, let's take a look at three things to include in your homebuying checklist.

1. Your Budget

Your budget will dictate whether you're able to afford a condo, luxury home or something in-between. As such, you'll want to assess your finances closely as you determine exactly what type of house that you can afford.

Oftentimes, it helps to get a copy of your credit report. You are eligible to receive one free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). If you know your credit score, you can determine whether now is a good time to enter the real estate market, or whether you should improve your credit score first.

You may want to consult with several banks and credit unions too. These financial institutions can teach you about various mortgage options and help get pre-approved for a mortgage. Then, once you have a mortgage, you'll know exactly how much you can spend on a house and tailor your home search accordingly.

2. Where You Want to Live

Living in the suburbs is very different from residing in the city. Therefore, you'll want to consider where you want to live so that you can search for a home in specific areas.

For example, if you prefer the peace and quiet of a small town, you may want to consider houses in small towns in the state of your choice. These towns may feature dozens of available homes. Plus, in many instances, small town houses are priced lower than big city residences.

Or, if you enjoy the hustle and bustle of the big city, you can search for residences in any city, at any time. These houses likely will ensure that you'll have quick, easy access to a variety of big city attractions and landmarks.

3. Real Estate Agent

There is no telling whether you're about to enter a seller's or buyer's market, as the housing sector often fluctuates. Fortunately, if you hire a real estate agent, you can increase the likelihood of a quick, successful homebuying experience, regardless of the current housing market's conditions.

A real estate agent is committed to your homebuying success and will do what it takes to help you find the right home, at the right price. He or she will learn about your homebuying goals and offer expert insights into the real estate market. Also, if you ever have homebuying concerns or questions, a real estate agent is available to address them.

For those who want to streamline the homebuying process, it helps to hire a real estate agent. And if you hire a real estate agent today, you can get the assistance that you need to make your homeownership dream come true.

Get started on your homebuying checklist, and you can simplify the process of acquiring your ideal residence.




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Posted by Coldwell Banker Murray Real Estate on 5/28/2019

Although you'd like to eliminate as much clutter as possible before you sell your house, doing so may seem like a long, arduous task. Fortunately, you don't have to be a home organization expert to remove clutter from your house quickly and effortlessly.

Now, let's take a look at three creative ways to help home sellers eliminate clutter instantly.

1. Develop a daily declutter schedule

Believe it or not, it doesn't take long to declutter a home, regardless of the size of your house. With a declutter schedule at your disposal, you can set small and large decluttering goals and make daily progress toward a clutter-free house.

Even spending five minutes a day decluttering your house can make a world of difference. Over the course of a week or month, you'll start to notice lots of free space fills your residence Ė something that homebuyers are sure to appreciate.

Also, don't forget to stick to your declutter schedule as closely as possible. And if you miss a day along the way, there's no need to worry, as you can always try to make up for lost time the following day.

2. Give away one item each day

If you have excess items, why not offer them to family members, friends and others who may be able to use them?

Ultimately, if you strive to give away one item daily, you can declutter your home and help family members, friends and others at the same time.

Giving away items is a quick, simple way to declutter. Meanwhile, offering these items to others enables you to do a good deed, as you'll be able to provide something useful to someone who wants it at no charge.

3. Start with a single trash bag

Fill up a single trash bag with clutter and see what happens Ė you'll be glad you did.

After you fill a trash bag, you'll likely find that you have many options.

This trash bag may be donated to a charitable organization, one that could use the excess items. Or, you may decide the trash bag items could be sold at a yard sale or listed online for a profit. On the other hand, if you find the trash bag items are damaged and no longer usable, you may choose to dispose of the trash bag altogether.

A gradual approach to decluttering is key, particularly for home sellers who want to alleviate stress as they prepare their residences for the real estate market. With this approach, home sellers can boost their chances of remaining calm, cool and collected as they eliminate clutter.

Lastly, if you need additional assistance with decluttering, your real estate agent may be able to lend a helping hand. This housing market professional can put you in touch with local junk removal companies that can help you eliminate clutter without delay.

Take care of clutter today, and by doing so, a home seller can move one step closer to getting the best price for his or her residence.





Posted by Coldwell Banker Murray Real Estate on 5/21/2019

You may have heard the term ďescrowĒ in your experience with real estate. You might know itís an account, but what exactly does it do for you as a buyer? An escrow account is what your lender uses to make payments on things like property taxes, insurance, and more. The lender collects your monthly mortgage payment, and part of that cash goes into an escrow account. 


This type of account is an excellent option for homeowners because your bills relating to being a homeowner will all be paid without you having to do anything. It makes budgeting a breeze because there arenít any complicated calculations involved. Every month, your lender collects 1/12 of the estimated tax bill and insurance cost for the home. The rest of your mortgage payment covers the principal and interest on the loan of the house.


Are Escrow Accounts Mandatory?


Youíll find that most lenders require you to have an escrow account. The purpose of the account is to keep the home safe as collateral for the loan. The bank has an interest in the proper insurance behind the property. The taxes also need to be paid on time in order to keep the property in good standing. If the taxes arenít paid, a tax lien will be placed against the house. 


Everything In One Place


Youíll receive an annual statement from your lender that will show you how much money was collected and placed in your escrow account. Escrow payments often change because insurance premiums and taxes tend to change quite frequently. The amount being put into escrow may change a few times throughout the year. The lender keeps track of all this for you, saving you some time. 


Bills That Need To Be Paid


Whether you have an escrow account or not the bills that are included must be paid one way or another. Itís a good idea to speak with your lender before you buy a home to find out that bankís procedures around these insurance and tax payments. Property tax and home insurance are items that youíll need to budget for regardless of how your lender does things. An escrow account can be much more convenient for many buyers. 


Escrow is just another one of the many essential terms that youíll come across as a homebuyer. Knowing the advantages and purpose of the account helps you to be informed as you dive into the home buying process. 





Tags: Buying a home   Mortgage  
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Posted by Coldwell Banker Murray Real Estate on 5/14/2019

If you know youíd like to buy a home in the future, youíve probably thought about saving money for all of the upfront costs that buying a home can bring. Saving the sizable amount of money that it takes for a down payment can be seemingly impossible to do. Itís impossible without making yourself seem miserable for a time, at least. You can save money creatively without sacrificing everything. Below, youíll find some tips for saving money that work for your life. 


Put Your Money Somewhere Safe


While investing in the stock market may seem like a good idea to put your savings on hyperdrive, itís risky. When it comes to your savings, try high interest savings accounts and CDs. The latter is a particularly good option because you wonít be able to touch the money for the time period that the CD will mature. Youíll also earn a bit of interest on the funds that are in there. 


If you plan to keep adding to your savings (which you should) a traditional savings account is best. You should have a dedicated account thatís solely for the house fund. Do some shopping around for the savings account that will have the best interest rate and be the easiest option for you. Remember that as boring as a savings account seems, itís a safe bet for your money. 


Apps Can Assist You


There are plenty of budgeting apps and apps that help you to set aside spare change. You should make use of these tools to help you reach your savings goals. Whether you need some help with budgeting or need to find ways to put your spare change to good use, thereís an app for that. You can even find apps that will reward you for good behavior. These apps may ďtipĒ you a few bucks for going to the gym or completing a project on time. Youíre saving money and doing good for yourself at the same time! Saving money for your future home can be fun if you find the right tools to help you.



Set Goals


One reason that many people donít save a lot of money is that they lack specific goals. If you sit down and look at your budget, youíll see where you can cut expenses. Then, youíll be able to have clear cut goals of how much you can save on a weekly or monthly basis. With your eyes on the prize of homeownership, you should be motivated to save where you can. Having specific numbers in mind can be a big help in reaching your long-term goals.




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