5 Installation Tips for Great-Looking Cabinets (Part II)

Tip #2: Start in the corner, work out from there
When hanging cabinets, just like when painting a floor, you don't want to end up in a corner--you want to start there. Some people install the base cabinets first, which gives them a "workbench" and reference point for installing the uppers. Others prefer hanging the uppers first, because they feel it's easier without the lower cabinets in the way. Either way, level, shim and square your corner cabinets so the cabinets next to them also wind up level and square.

Smart Idea: If the corner isn't perfectly square, use a utility knife to remove some of the drywall tape and taping compound in the areas that will be hidden by the cabinets once they are installed.

Check back tomorrow for tip #3.

A Vacation to Remember

If you're like many working adults, you've saved and planned for months in order to enjoy a much-anticipated vacation. You want to do everything you can to ensure that your trip is a memorable occasion for the entire family.

Your first step is to decide on a destination. Does your family enjoy participating in sports or activities? Are you more interested in exploring history or visiting landmarks? You may want to plan a trip around an interest that you share; make sure that each family member has a chance to voice his or her opinion.

Once you've determined where you want to go, you can begin looking for good deals. The earlier you schedule your travel and lodging, the more options you are likely to have, especially at discounted rates.

Travel Insurance -- as you budget for a vacation, travel insurance may seem like an unnecessary expense. In many instances, however, this coverage may be the best way to protect yourself and your family from the unexpected while traveling.

Many consumers aren't awar of the benefits travel insurance can provide; some policies even cover lost luggage and valuables. The cost of coverage is typically between five to seven percent of the total price of the vacation.

Travel insurance may also reimburse you if your vacation is cancelled or interrupted for unexpected reasons. Be sure to carefully read what the covered reasons are, however, before purchasing a policy.

Before traveling, check your current health insurance policy to see what is covered while out of your area of residence. If you are concerned that you don't have sufficient coverage, travel insurance can cover the difference. Even if you don't have any medical concerns, accidents can happen. In case of emergency, your travel insurance could reimburse you for the expense of being transported to the hospital as well as for the cost of the care you receive.

Of the 70 percent of U.S. travelers who purchase travel insurance, approximately one in six has had to file a claim. You may not need travel insurance, but the peace of mind you get from having it can allow you to enjoy a memorable, worry-free vacation.

5 Installation Tips for Great-Looking Cabinets (Part I)

Tip #1: Planning makes everything easier
Take the time to carefully lay out the position and height of each cabinet, and the job will go smoother further down the road. Find the high spot of the floor, measure up 34-1/2 in., and establish a level line to indicate the top of your base cabinets. Then measure, mark and label the position of each base cabinet. Repeat the same steps for the upper cabinets. That way, before you install the first screw, you'll know where everything goes and how it will fit.

Smart idea: Use your old kitchen cabinets for storage in the basement, laundry room and garage. The price is right and you won't have to pay someone to haul them away!

Check back tomorrow for tip #2.

Bed Covering Choices

Confused about the abundance of choices in bed coverings? Here's some information to "cover" your options and help you select what's right for your bed.

A comforter is the top layer of bedding, usually filled with down, feathers, cotton or hypoallergenic synthetic material. Comforters are often sold in complete bed sets that include a matching bedskirt and pillow shams.

A duvet is similar to a comforter, except that it is made to be encased in a removable cover to protect it and keep it clean.

If you are shopping for a down-filled comforter or duvet, consider weight and amount of fill, or the number of cubic inches per ounce of down. Lightweight comforters are approximately 26 ounces, while heavier (and warmer) comforters weigh in around 54 ounces. Standard fill is between 500 to 550, high-quality is usually 600 or above.

A bedspread or quilt covers the entire bed, including the mattress, box springs and pillows for a more formal, finished look. Handmade quilts should be handled very delicately, so you may want to purchase a more durable, machine-made quile for everyday use.

Home Tips

Lawn care
* Cut grass no shorter than 3 inches, and never more than 1/3 of the blade.
* Mow in the morning or evening.
* Deep watering, in the morning, is better for your grass than frequent, shallow watering.

Protect your home when you're on vacation.
* Lock doors and windows.
* Set timers on lights.
* Have mail and newspaper stopped or picked up by a neighbor.
* Unplug electronic devices vulnerable to power surges.

Energy Savers

I wanted to provide some helpful information about using energy efficiently.

Making your home energy efficient may cost a little bit up front, but the extra effort and expense can save you a lot of money in the future. Here are some energy-saving tips to try:

* Replace your old thermostat with a new digital one
* Replace incandescent light bulbs with compact fluorescents
* Replace the old seal on your refrigerator door
* Get a furnace “tune-up”
* Install a ceiling fan

Many utility companies offer free energy audits by trained representatives who come to your home and point out areas where energy is being wasted.

I hope you find these tips helpful.

Fire Safety

I thought I would provide you with some valuable information about home safety.

As busy as we all get, it's sometimes easy to overlook fire safety and other home maintenance.

Remember to replace the old batteries in your home's smoke alarms regularly. While you're at it, dust each alarm and test it to make sure it is properly functioning. Make sure you have installed enough smoke alarms for the size of your home--at least one per floor, especially near bedrooms.

It's also a good idea to periodically check your fire extinguishers. Many models are useful only for a certain number of years before they must be serviced or replaced. Check your model to determine the time period. Each home should have at least one extinguisher in the kitchen and the garage.

Finally, because overloaded circuits are the cause of many home fires, you should take a few minutes to scan your home's power outlets and replace any cords or plugs that have cracks or other visible damage.

These easy tasks can make your home a safer place for everyone.

Homeownership Improves Lifestyle

Just a short note to share some information from an interesting article I recently read.

According to a “Home Ownership Survey” by Neighborhood Housing Services, home ownership enhances the quality of life and financial positions of most homeowners.

The reasons for this are:

* Increases in home value
* Interaction with neighbors
* Better conditions and amenities in the new neighborhood than in the previous one

I hope your experience is similar.

Market Trends

One of the biggest changes in real estate today is the emergence of the Internet as an increasingly valuable tool for home buyers and sellers.

According to the most recent research:

* 75% of home buyers have searched for real estate information online.
* 70% of home buyers and sellers agree that it's important for their agents to be Internet-savvy.
* The Internet is replacing local newspaper classified ads as the definitive resource for prospective home buyers.

Top 10 Places to Live!

Here are the top 10 places to live according to Relocate-America.com:

"The population of Asheville (NC) is only about 70,000, but this mid-size city ranked No. 1 on a list of the most popular places to live in 2007. Asheville made its second appearance on Relocate-America.com's annual top 10 list, compiled each year since 1998. The site attracts visitors in the process of relocating and is aimed at helping people research cities before making a move. The Web site is a service of HomeRoute, a Howell, Mich.-based company that also connects consumers to Realtors.

Below are the top 10 cities on Relocate-America.com's "America's Top 100 Places to Live for 2007:"

1. Asheville (NC)
2. Traverse City (MI)
3. Ithaca (NY)
4. Chicago (IL)
5. Cary (NC)
6. Portland (ME)
7. San Francisco (CA)
8. Stevens Point (WI)
9. O'Fallon (MO)
10. Spencer (IA)

To assemble the list, the site starts by asking visitors for nominations, which describe some of the characteristics of the cities, including people and neighborhoods, the beauty of the area, schools, activities, economic health and environmental health. The editorial staff then considers education, crime, employment and housing statistics for the past year in order to rank the cities, the company said in a news release."

Source: Real Trends Magazine (5/4/07)

I think Minnesota got shafted. We should nominate our cities to this site for consideration. What do you say?

$5 Ideas for Making a House More Appealing

Here are some ideas from a real estate expert in California.

"Real estate professionals in Sacramento, Calif., say it only takes a $5 investment to do some quick makeovers to attract potential buyers.

Here are five under $5 ideas:

1) Give the trim around the front door a fresh coat of paint, covering up fingerprints and dings.
2) Fertilize the grass so it looks bright green.
3) Hang a small flag that says “Welcome.”
4) Place a big pot of yellow marigolds in the foyer — yellow makes people feel comfortable.
5) Dribble a few drops of vanilla on the oven door and turn it to low (it’ll smell just like cookies are baking)."

Source: The Sacramento Bee, Jim Wasserman (05/04/07)

May Home Tips

* Clean and lubricate hinges, locks, and moving parts in window and door hardware once a year to maintain ease of use.
* Keep furniture, and other items that children may climb, away from windows for safety.
* Test the auto-reverse functions on your garage door monthly. Check the balance yearly. Familiarize yourself with the door's release system in case of emergency or power failure.

Home Safety

I wanted to discuss safety and security for you and your family. As always, I have your best interests at heart.

Safety and security are part of the comforts of home. There are some simple steps you can take to keep your loved ones safe.

Walk through your home and check the following items:

* Check that handrails and banisters on all stairs are in good repair. Install handrails where needed.
* Replace burned-out bulbs in or near stairways.
* Replace faulty wiring immediately.
* Install smoke alarms and check the batteries twice a year.
* Secure your home with quality door and window locks.
* Trim shrubs and trees close to the house
* Avoid an unoccupied look when you go away on vacation. Leave a light or radio on, using an automatic timing device if possible.
* Stop deliveries of mail and newspapers.
* Have a trusted neighbor or the police check your home. Contact your local police department about a “vacation house check” service.

Feel free to forward this information on to anyone you know who could benefit from this information.

New Homes Sales Increased 2.6% in March

Here is an article from Real Trends, Inc., a online real estate news journal. Read what they have to say about the current market.

"Purchases of new homes in the U.S. rose for the first time in three months in March as unusually warm weather and sales incentives brought out more buyers. Purchases rose 2.6 percent to an annual pace of 858,000 last month from the 836,000 rate in February that was lower than previously reported, the Commerce Department said this week. Sales of new homes were off 23.5 percent compared with March 2006.

The median price of a new home rose 6.4 percent last month to $254,000 from $238,800 a year earlier, the report showed.

The increase in sales in March came in two regions that saw much improved weather in March compared with February. Sales fell in the other two regions. Sales jumped 50 percent in the Northeast after falling 21 percent in February. Sales rose 9.8 percent in the Midwest in March after falling 23 percent in February. In the West, sales fell 0.9 percent in March. Sales dropped 2.7 percent in the South, the seventh consecutive decline in the biggest region for new home sales.

The number of homes for sale at the end of the month rose to 545,000 from 544,000 in February. That left the supply of homes at the current sales rate at 7.8 months' worth, compared with 8.1 months in February, which was the highest in 16 years. The inventory is down 1.4 percent compared with a year earlier, the biggest year-over-year decline ever recorded.

Completed homes for sale were 33 percent of the inventory, while units still under construction represented 50 percent of the inventory and units for sale that were permitted but not yet started represented almost 17 percent of the inventory level. The median length of time that completed homes were on the market was 5.6 months in March, up from 5.2 months in February."

Courtesy Real Trends, Inc.

When to Refinance

I hope your home is everything you wished for and that you are enjoying your environment. If you've have been in your home for a while, you might want information on refinancing options for down the road.

You may want to consider refinancing at some point for a variety of reasons. The two most common reasons people refinance are to:

* Lower their mortgage payment
* Access the equity in their home for cash

If you are interested in lowering your payment, experts recommend refinancing when you can lower your interest rate by 2%. The other way to lower your payment significantly is by switching from a 15-year loan to a 30-year loan.

On the other hand, refinancing from a 30-year to a 15-year loan won't lower your monthly payment, but it can save you thousands of dollars over the life of your loan.

New Website Launched!

I have recently launched a new website that includes even more information on home buying and selling. The name of the website is The Hennepin Homes. You will be able to get information on all the homes in the Minneapolis/St. Paul metrowide area. There is also even more information on the home buying and/or selling process. Check it out at www.TheHennepinHomes.com or click here.

Time is Money

Are you thinking of making some home improvements?

With large home improvement centers offering “do it yourself” classes on home repair and maintenance, homeowners are tackling big home improvement projects more and more.

Here are a few helpful tips to consider when deciding whether to take on home projects yourself or hire an expert for the task:

* Compare your own hourly wage to what you would pay per hour to have the job done.
* Consider how much longer it would take you to get the job done compared to an expert.
* Take into consideration the value of the time you would spend on the project. (Could that time be spent with family or on hobbies?)
* Determine whether you have the necessary equipment, or if you would need to rent tools for the project.
* Always think of the cost/benefit ratio when you plan a home improvement project.

If you would like more information on what improvements have the greatest rate of return, please feel free to contact me.

I hope you find these tips helpful.

Smoke Gets In Your Eyes

Have you checked the batteries in your smoke detector recently? Fire experts say that almost all fire-related deaths can be avoided by having a working smoke detector. A good rule of thumb is to change your batteries twice a year. Perhaps you should schedule the change for the Spring and the Fall, whenever you reset your clocks for daylight savings time.

That way your smoke detector will always run like clockwork! And your family will always be protected.

So remember to check your batteries.

Shopping for the Best Mortgage

Mortgage rates are on the rise, but historically speaking they are still fairly low. As a result of the favorable mortgage market, lenders have produced several new creative financing options for purchasing or refinancing. Don't let the confusion of mortgage options keep you from a new home or lower interest rate. Here is an introductory lesson to the four most common types of home loans.

Fixed-rate Mortgages
Fixed-rate mortgages have a fixed interest rate over the lifetime of the loan, usually between 10 and 30 years (40-year fixed-rate mortgages are also slowly increasing in popularity). This means that the amount you pay each month is fixed, too. It's a great mortgage choice if you want the reassurance of predictable loan expenses for the life of your mortgage.

Adjustable-rate Mortgages
This type of mortgage usually starts out with a lower interest rate (and therefore lower payments) than with a fixed-rate loan. However, your interest rate and monthly payments are dependent on market interest rates. The interest rate is usually adjusted annually, but depending on your loan package the adjustment period on your ARM may be as low as one month.

Increases in the interest rate are capped for each year, and for the lifetime of the loan. For example, an ARM interest rate might have an annual cap of 1.5% and a cap over the lifetime of the loan of 6%.

Adjustable-rate mortgages are a good option if you're planning to own the property for only a few years, or if you expect your income to increase over the years so you can comfortably afford higher payments if interest rates should rise.

Balloon Mortgages
Balloon mortgages typically have a lower interest rate than fixed-rate mortgages (and hence may be easier to qualify for), however the loan is payable in full after five to seven years.
A balloon mortgage is a great option if you know you'll be selling the property before the balloon payment is due, and you're not comfortable with an adjustable-rate mortgage.

Jumbo Mortgages
A jumbo mortgage is simply one which is larger than a typical mortgage. The 2006 limit for a traditional (or conforming) loan is $417,000, and any amount over this figure is considered a jumbo (or non-conforming) mortgage. This type of mortgage usually has a higher interest rate than a conforming loan.

Getting Mortgage Quotes
To get the best possible rates, aim to contact a dozen lenders or more. Keep all your inquiries to within a 14-day period to prevent your credit score (also known as a FICO score) from being negatively impacted by too many credit inquiries. Most inquiries that take place within a 14-day stretch of time are counted as one inquiry.

It's wise to shop for a mortgage before you start house-hunting. Mortgage pre-approval is one of the best bargaining tools you can have when it comes to negotiating a sales price. Plus, it'll save you valuable time at closing.

Luxury Home Trends

One of the best ways to update your home and ensure a good resale value is to adopt trends from the luxury home market. These cutting edge trends eventually find their way into the new construction market and become mainstream styles. While most households can't afford in-home elevators or a custom wine cellar, here are a few of the affordable latest luxury home must-haves that are well on their way to new homes across the nation.

In the Kitchen
Warming drawer — Better than the warm setting in your oven, warming drawers keep foods hot and moist until guests arrive or the rest of the meal is ready.
Refrigerating oven — Program it to refrigerate during the day then log on remotely to start the cooking and have your meal ready when you get home.
Multi-level islands — A raised portion of a kitchen island adds dimension, a comfortable eating surface and, if placed strategically, can mask the clutter around a sink or stovetop area.
Three-door refrigerator — Two French doors on the top and a large one-drawer freezer on the bottom make for easier access to the items you use most.
Food prep sink — An extra sink doesn't need to take up a lot of precious counter space but in a large kitchen it can improve the work flow and even encourage others to participate in the food preparation.

In the Bath
Vertical spas — One of the hottest trends in today's baths, these incorporate multiple showerheads, water diverters and sophisticated temperature control systems into your shower.
Heated tile floors — Add to the spa feeling with cozy radiant heat under tile flooring. If you're considering new flooring, this is easy to install and a big selling point.
Towel warming drawers — This luxury trend started in the kitchen and is taking electric towel bars to a new level by warming up your robe and slippers.
Stone countertops — Granite, marble and soapstone come in natural colors that complement most bathroom cabinets. They're also easier to keep clean compared to traditional tile.

In the Master Suite
Fireplace — Gas fireplaces are quickly becoming fixtures in luxury homes. Builders are maximizing their effect by constructing them into a wall adjacent to the master bathroom so they can be seen from both sides.
Walk-in closets — Walk-ins are almost required in new homes today, but the luxury market has taken them to a whole new level with the addition of extravagant cabinetry and center islands with storage drawers.

Outside
Outdoor kitchens — More and more homeowners are taking their cooking and entertaining out back with the addition of fully functional kitchens that include grills, custom cabinets and worktops, and even wood-fired ovens.
Heated patios — An emerging trend in cooler climates, radiant-heated patios and driveways melt snow and ice and keep walkways safe.

Whether you are thinking of selling soon, or simply want to enjoy the benefit of upgrading your home while you're still living there, these affordable luxury trends are certain to hold their appeal for years to come.

Keeping Good Records

If you haven't done this already, it is a good idea to keep copies of your transaction paperwork.

Keep these records and documents in a safe place:

* Warranty information
* Property deed
* Closing statements
* Loan papers
* Insurance policies

Keep your home improvement receipts as well. When it comes time to sell your property, you'll want to document the improvements you made.

I hope these tips are helpful. I am always here to serve your real estate needs.

Home Improvement

Most homeowners want to put their own personal touches on their new home. They may update paint, carpets, kitchens, and baths. Unfortunately, though, home improvement problems are now the fastest growing category of consumer complaints.

Home improvement complaints often relate to inferior work or work paid for but not completed. Complaints on household items usually involve defective goods and refund policies.

Here are some suggestions to make sure you get your money's worth:

* Check that anyone doing home improvement work is licensed and registered.
* Get everything in writing. Always purchase household goods from reputable, well-established stores and outlets.
* Save your receipts and warranty information.

These are just a few of the things to keep in mind when making home improvements. For more home improvement tips, you may contact me by clicking here.

Match Maker

I specialize in matching people with homes!

Throughout my career in real estate, I've come to discover that making a perfect match requires a little extra effort. That's why I'm writing now. At present, I have an abundance of qualified buyers, which means I'm in hot pursuit of qualified sellers.

Do you know of anyone who may be moving in the near future? If you do, would you please pass along my name and number? As you know, I have years of successful 'matchmaking' experience in this area. Your help in the process would be very much appreciated by me, and by the happy customers as well.

Warranty Information

Wouldn't it be nice if you could always findyour warranty information on everyhome appliance,garage door opener,vacuum, TV, VCR, DVD playerand the like?

If you're like most people you don't always return the warranty card, do you? So when it's time to call for needed service, you may not get what you need. And you may have to pay too much for service that otherwise could be 'under warranty.'

When its time to sell your home, the new buyer would appreciate all the information on the equipment in the house, too. So my suggestion is to keep all the manuals, receipts, and warranty info in one drawer in the kitchen, Or, get a single file box and get all the information together in one place.

When it's time to get everything together to sell your home, you don't need a file box, a warranty, or even a manual. Just call me, and I'll reschedule time to put together a complete marketing plan. In fact, I'll provide good service every step of the way. So, relax, and call me whenever you need me. There's no charge for a 'service call!'

Home Maintenance

Whether you have recently moved into your home or have lived in it for many years, one of the most important things you can do is develop a home maintenance plan. Your home is likely to be your single most important and most valuable investment. Routine maintenance can help you protect your investment and prevent you from encountering costly problems later. It will also help you get top dollar down the road when you decide to sell.

Here are some items to include in your annual maintenance plan:

* Interior: Fresh paint is an inexpensive way to give your home a face-lift.
* Exterior: Check the roof for loose shingles or tiles. Check the gutters and downspouts. Inspect the exterior walls for cracking or weather-damaged siding.
* Water: Check pipes for cracks and leaks. Test the water pressure and drains to make sure the pipes aren't clogged.
* Electricity: Check the breaker box and fuses. Look for signs of wear. Make sure there are no exposed wires.
* Heating/Air Conditioning: Have your system serviced every year. Clean and vacuum dust from vents.
* Basement and Attic: Check for signs of dampness, leaking, or flooding. Look for dry rot and termites.

Your home's annual checkup is important. Based on that, you can schedule the actual maintenance and repairs seasonally to make the job easier.

If you ever come across anyone who is thinking of buying or selling a home, please forward their name and number to me. I will be happy to follow up and take care of their real estate needs.

Recycle Electronics

Because homeowners tend to get rid of old items when they make a move, I often hear questions about how to dispose of things. Here are some of the most popular ways to handle unwanted and gently used items:

* Have a garage sale. Advertise your sale in a local newspaper. Make sure to include your address and what time and days the sale will take place. Post directional signs at nearby key intersections. Put price tags on everything, but be flexible and ready to negotiate.
* Donate household items and clothes to a local charity. Call first to see if it will accept larger items such as refrigerators or couches. Obtain a receipt for your tax records.
* Recycle or donate electronic equipment to reduce the environmental impact of electronics disposal. Recycle TVs and monitors, computers, audio/video equipment, fax machines, and cell phones.

By the way, I am never too busy to help your friends and family with their real estate needs. Please have them contact me or send me their name and phone number. I will follow up with them promptly and help them in any way I can.

Appreciation

Property values have risen fairly dramatically over the last decade. We have become used to selling our homes for a profit. During a slower economy, though, property values may not appreciate as rapidly, if at all.

Here are some suggestions on how to maximize your home's value:

* Remodeling the kitchen and/or baths is one of the best ways to add value.
* Adding a room or garage is an expensive improvement, but can pay off if it is carefully designed and seamlessly executed.
* Adding or improving decks and patios can add value, depending on the part of the country.
* Improving landscaping often adds appeal, but not necessarily value.

Create a New Budget

When people buy and sell, they often use their cash reserves for the down payment and closing costs. After making a move, many people want to go out and buy new furniture, plants, window coverings, and other things to make their new house a home. But this can be a real strain on your budget.

Here are some tangible tips from the experts to help you balance your new budget:

* Set aside at least six months’ living expenses.
* Think about automatic payments for your mortgage. That way you'll never be late. You can usually select the date you'd like to have the payment deducted.
* Plan and budget for major repairs, remodeling, or decorating projects. Shop around for the best prices and get references if you are hiring a contractor for major projects.
* Keep all of your receipts for home improvement projects.

Spend Less Time Commuting

One of the quickest ways to spend less time traveling to and from your workplace is to work from home, or telecommute!

To maximize your productivity when working at home, you can set up a home office, creating a protected environment away from normal household distractions where you can concentrate on your work.

Here are some suggestions for setting up a successful home office:

* Create your office in an area away from the general household activities.
* Have enough electrical outlets to handle your computer, lights, printer, and so on.
* Make sure there is plenty of light.
* Install a phone jack for your business line.
* Get organized with filing cabinets, storage space, and bookshelves.
* Plan the space in your office to avoid tripping over electrical and phone cords.
* Include a sound system. Many experts believe that music encourages productivity.
* Keep track of all your home-related business expenses for possible tax deductions.

It's no surprise that the number of people who want to telecommute continues to grow. Earning a good salary at a good job that allows you to work from the comfort of home does seem to be an ideal situation.

A "Minimalist's" Tool Kit

Regardless of whether you're handy around the house, there are plenty of situations that require a few basic household tools. What kinds of tools do you need in a "minimalist's" tool kit?

Every basic home toolbox should include these items:

* Duct tape
* Pliers
* Tape measure
* Putty knife
* Hammer
* String
* Ruler
* All-purpose lubricants and oils, such as WD-40
* Flashlight with batteries
* Wire cutters
* Assorted sandpaper
* Assorted screws and nails
* Wire
* Screwdrivers (regular and Phillips, in assorted sizes)

Many manufacturers now offer prepackaged tool kits designed to fit into kitchen drawers where everything is easily accessible. This way you can find what you need quickly instead of searching through boxes and drawers in your basement or garage to make a repair or tighten a screw.

Whether you are experienced and well-equipped or "all thumbs" when it comes to home repairs, keeping the basic tools nearby will help keep things together around your home.

I hope you find this information useful.

Do You Have Curb Appeal?

Why do some homes sell quickly for top dollar while others sit on the market for a long time? The answer is "curb appeal"!

Homes that invoke an emotional response in prospective buyers when they first drive up to the property have what is called curb appeal. Whether you own a town home in the city or a suburban house complete with a lawn, trees, and flowers, you can apply these tips to help you add curb appeal and create a positive emotional response to your home:

* Wash and dry windows until they sparkle.
* Clean the front porch or entryway of all debris.
* Paint your front door, railings, and other parts that need touch-up.
* Open curtains and shutters and turn on the lights.
* Revitalize flower beds with fresh, blooming flowers or plants.
* Keep the garage doors closed, storing bicycles and toys out of sight.
* Confine your pets to keep them safe and out of the way of people who may be afraid of or allergic to animals.
* Keep the driveway and sidewalk clear of snow.

A potential buyer's first impression is extremely important and can set the tone for the entire showing of your home. When a house has plenty of emotional appeal, it generally sells more quickly and for a higher price.

Need An Extra Room?

Specialty rooms and spaces are becoming more and more popular. If you have an extra room or unused corner in your home, think about turning it into one of the following areas. Here are some ideas for planning that special space:

* Media Area: Enjoy audio, video, and other media and store the equipment.
* Wine Cellar: A cool, dark place is best for wine storage.
* Library: Set up elaborate or simple shelving, a comfortable chair, and a reading lamp.
* Sewing Room: Arrange a work table, ironing board, shelves, and storage.
* Meditation Room: Retreat from noise and other distractions.
* Hobby Room: Plan plenty of work space for crafts, scrapbooking, painting, and the like.
* Mini-Gym: Make working out fun with a stationary bike, weights, treadmill, and a TV!
* Playroom: Set aside space for children or grandchildren to play and store toys.
* Extra Closets: Make a great place to store out-of-season clothes.

With a little imagination and planning, you can use every corner, area, or room of your home efficiently.

Glossary of Real Estate Terms

The words and expressions used by doctors, lawyers, and other professionals may sometimes sound like a foreign language. Because real estate terms also can be confusing, here is a mini-glossary of some of the most common ones:

* Agency: The relationship that a real estate agent has with a client.
* CMA: Comparable Market Analysis, a home evaluation based on properties that have sold in the neighborhood similar to the property being priced.
* Disclosure: An oral and/or written communication about agency, property condition, or other key factors.
* Earnest Money: A good-faith deposit provided as consideration when a buyer offers to the seller of a property a contract to purchase the property.
* MLS: Multiple Listing Service, information on properties that is shared among brokers belonging to a specific multiple listing organization.
* Purchase and Sale Agreement: A contract from the buyer to the seller offering to purchase the property for a certain price.

When you're ready to sell your home, I'll be happy to explain all the terms and transaction details and walk you through the entire process.

Move Yourself or Hire A Pro

Once you make an offer on your new home and it is accepted, you'll need to start planning your move. Often you'll need to decide whether to move yourself or hire professional movers.

If you want to save money, the do-it-yourself option may be right for you. But first ask yourself some important questions. Do you have friends who are willing and able to help you move? Do you have access to a vehicle that can accommodate furniture and fragile items? Do you have the time?

Remember that your friends should be strong enough to help with heavy loads like couches and beds, and also conscientious enough to take care with precious heirlooms and breakables. To avoid "burning out" your helpers with multiple trips, rent a truck large enough to handle everything in one move.

If you are moving a long distance, you can avoid the cost of professional movers while still hiring load and unload help as an in-between option. There are companies that rent you the muscle to take your belongings from your old house to the truck and then again into your new house. All you have to do is pack, drive the truck and unpack after the boxes have been unloaded in your new home.

Remember that moving is always a stressful time. If you do it yourself, arrange for help at both ends of the move and be sure the truck you have is large enough for all your belongings. If this can't be accomplished you may want to spend the extra money on professional movers.

I have found from experience that the activity during the first two weeks a home is on the market tends to predict how long it will take to sell. Potential buyers eagerly jump on new homes on the market, especially when they are in “show shape.”

Here are some “staging” tips you might find helpful:

* Keep your home in “show shape.” Make sure that beds are made, dishes are in the dishwasher or put away, everything is picked up, and the kitchen and bathrooms sparkle.
* Decorate with fresh flowers. Many home sellers use potted flowering plants that last much longer than cut flowers. Place them inside and out. They really add cheer!
* Turn on lights; replace all burned-out bulbs. Open blinds and draperies. Let the natural light in.
* Confine pets and keep them out of sight when possible. They can be distracting, and some people have allergies.
* Create a relaxed atmosphere with soft background music.

For more tips on staging, or to speak with a professional stager, please click here.

I Can Grant A Wish!

I can grant a wish!

Part of my job, as a real estate professional is to listen to my customer's 'wish list', and then work to find a home that grants those wishes.

With each new customer comes a whole new set of 'wishes'. Some want a home in the country with five bedrooms and a family room big enough to play volleyball. And some others want a small home in the suburbs with two bathrooms and a formal dining room.

In order to accommodate all of these wishes, I've learned to ask lots of questions and to listen. Then I really work to match properties to the buyer's needs and to their personality. It's a fun and challenging proposition.

Are You A Good Guesser?

Are you a good guesser?

When it comes to measuring for carpet, drapes, or wallpaper, I've learned to trust the pros. Oh, I can guess about a room size and get within a foot or two, but why take a chance? The longer I'm in the business of real estate, the more I find that sellers and buyers of real estate are looking for accuracy and attention to detail.

However, if you are in a bind and need to measure something like a picture frame, piece of furniture, or an object of art, relax. You are always carrying a measuring 'stick.' It's your old buddy, George Washington - the dollar bill. Keep this in mind: a dollar bill is 6 ¼ inches long. That's about a half a foot, right? If you fold it in half, it's 3 inches the wide way, or 1 ¼ inches the narrow way. This works great for items that are a couple feet across, but please don't try measuring your house with a dollar!

Instead, call me and I'll do all the work to determine the sizes, features, and the total value of the home you're in, or the home you want to be in. Oh, you can keep your dollar, too. Just call me, when you need me.

Are You Properly Insured?

To “close” the deal when you're buying a home, your lender will require you to obtain homeowners insurance on the property--enough to cover the loss in case of severe damage.

Discuss your needs with your insurance agent before you buy. Consider these points:

* Because you must purchase enough insurance to cover the loss of your home in a natural disaster, make sure you have your home’s value updated periodically.
* If you have a home office with others working for you, ask about a rider to cover injuries to those employees.
* Expensive jewelry, artwork, or antique furniture may require a special rider to cover their replacement cost. Have them appraised and photographed to document their value.

Protecting your real estate investment is an important responsibility of home ownership.

Does Landscaping Add Value?

Whether you live in a condominium or a single-family house, landscaping can certainly make your home easier to sell. But will attractive landscaping add value? It depends.

Potted plants, freshly edged green lawn, and weed-free garden areas will make your home more attractive and appealing. The more appealing the home or condo, the more marketable it is and the faster it will sell.

Well-manicured landscaping helps frame other elements of curb appeal. It is considered a value-added feature because it helps create a positive first impression. Most buyers, however, will not pay extra for trees and lawn, flowers and shrubs.

But you can almost always get a return on your investment in decks and patios. As decks have become more desirable, their resale value has continued to increase.

In the yard and garden of your single-family home or in pots on your condo deck or patio, use plants, trees, and other landscaping elements freely to make your home more appealing and help you sell it more quickly when the time is right.

A Productive and Comfortable Home Office

With the technology available today, home offices are now a workable way to save commute time and expensive office space. I have heard so many questions about home offices that I thought I'd send you a recap of some information I read recently.

Here are some tips that you will find helpful in setting up a great home office:

* Establish your home office away from main traffic patterns. This not only keeps disruptions to a minimum, but helps you focus on the job at hand.
* Invest in your desk and chair. Be sure to have a desk or worktable that is adequate for the task. Purchase an ergonomically correct chair that fits comfortably under the desk.
* Add phone jacks as necessary so your telephone is placed conveniently within reach.
* Consider high-speed cable for Internet access.
* Prepare adequate storage, file cabinets, and shelves affixed to the wall so they are secure.
* Install soft comfortable lighting that goes beyond the glow from your computer monitor!

Now, enjoy! Your home office will provide you with a comfortable and productive environment.
Please feel free to call or email me if I can answer any questions. I would be happy to follow up with anyone you know who could benefit from the services we provide. Or, if you decide you need more space for your home office, I'd be happy to assist you in finding a larger home.

Have a Buyer Consultation Done

When people start thinking about buying, they usually think about area, number of bedrooms and baths, and price range. These are a good place to start, but there are many other things to consider when entering into the home buying process. This is why it is good to sit down with a realtor and have a buyer consultation done.

In the buyer consultation the realtor will be able to ask you specific questions about the type of home that you are looking for. The realtor will be able to ascertain what your needs and wants are to help you narrow down your search, so that the process goes quicker and smoother, and you are not wasting your time looking at homes that are not really what you want.

Another benefit of a buyer consultation is that the realtor will be able to go over some of the paperwork and things that a buyer should be aware of during the transaction with the seller. Issues such as financing, earnest money, and a review of the purchase agreement will all be covered.

The realtor will also be able to discuss the benefits of representation, and how that will benefit you, the buyer, throughout the buying process.

The buyer consultation helps answer your questions, and makes the process go smoother and quicker for you the buyer. When you start looking for a home, contact a realtor have them do a buyer consultation with you.

Household Safety

Are you sure that your home is the safe haven you want it to be? Your home's age and design; amenities such as whirlpool tubs, fireplaces, and decks; and the physical condition of the people living with you may require some modifications to make sure everyone stays safe and happy.

Here is a checklist of safety items that no home should be without:

* Smoke alarms
* Carbon monoxide alarm
* Ground fault circuit interrupters (GFCI)
* Fire extinguishers
* Flashlights and batteries
* Listed emergency numbers
* Tags on shutoff valves
* Handrails on stairways
* Adequate lighting
* First aid kit

You should also inspect your home regularly to catch potential problems in their early stages. Always read warning labels and user manuals and file them where they can be found quickly. Finally, make sure that your family has an emergency evacuation plan that everyone knows.

Remodel or Move?

Do you need more space? Are you thinking about remodeling your home, or is it time to make a move?

For many people, this can be a difficult decision. Once you've been in a house for a few years, you can get attached to your home and your neighborhood. It's where you know the stores, the parks, the theaters, and the best commute to work. If you have children, they may love their school. So what can you do?

Consider remodeling if you love your house and neighborhood, have the room and budget to expand on your existing property, and you can potentially realize a profit on the remodel. For a major remodel, also consider that you may need to move out to avoid exposure to dust and construction chemicals.

Finally, remodeling almost always takes more time and costs more money than you may have estimated. So make sure you budget realistically.

If remodeling isn't a good choice for your family, moving to a different neighborhood may have many advantages, including the opportunity to buy a larger or newer house, live closer to desirable schools or businesses, or shorten your commute time.

March Home Tips

* Replace incandescent light bulbs with compact fluorescent bulbs.

* Keep appliances and their power cords away from water or heat sources.

* Do not place cords under carpets or rugs or rest any furniture on them.

Annual Home Checkup

Once a year, it's a good idea to give your home a checkup. Finding problems or potential problems in their early stages usually gives you the best chance to make repairs more easily and less expensively than if problems are allowed to worsen over time.

The kinds of things you'll want to monitor in your home include:

* Gutters and downspouts: Inspect for leaf and debris buildup that can cause overflow problems.
* Paint: Make sure painted surfaces aren't peeling or cracked, exposing wood to weather damage.
* Windows: Check the weatherproofing and caulking and replace cracked panes.
* Roof: Inspect tiles or shingles and flashing to prevent leaks; clean off any moss.
* Appliances: Check and replace frayed electrical cords, damaged plugs, and cracked or leaking hoses.

Proper care and maintenance will keep your home safe, attractive, and comfortable. Taking good care of your home helps reduce the need for expensive repairs and ensures that your home will command top dollar when you decide to sell.

Is Re-financing for You?

When mortgage rates are low, you may want to refinance your home loan. Many homeowners have taken advantage of recent low interest rates to refinance and cash out some of the equity from their home to:

* Buy a rental or other investment property
* Remodel their home, such as creating the dream kitchen they've always wanted
* Buy a vacation home on the beach or in the mountains
* Pay for college tuition for a family member or meet other special expenses

If you're interested in refinancing, a home evaluation can give you a good idea of what your home is worth. I would be happy to provide you with a general price range based on recent sale prices of comparable homes in your area.

Or, for a more precise estimation of value, I can drop by for a quick review of your home. With this more detailed information, I can research the sale prices of properties similar in size and features to yours and provide you with a more accurate estimated price range.

Home Sales Rise 3% in January

Sales of existing homes rose in January by the largest amount in two years, raising hopes that the worst of the severe slump in housing may be coming to an end. Median home prices, however, fell for a sixth straight month.

The National Association of Realtors reported this week that sales of previously owned homes rose by three percent last month, the biggest one-month increase since a 3.3 percent increase in January 2005. Sales of existing U.S. homes rose three percent to a seasonally adjusted annual rate of 6.46 million in January, the highest in seven months.

The median price of an existing home sold in January dropped to $210,600, a decline of 3.1 percent from a year ago. It marked the sixth straight month that the median price has been down compared with a year ago. The January decline was the third-biggest drop in history.
Single-family home sales rose 3.5 percent to a seasonally adjusted annual rate of 5.69 million in January from an upwardly revised 5.50 million in December, but were 4.2 percent below the 5.94 million-unit level in January 2006. The median existing single-family home price was $209,200 in January, down 3.5 percent from a year earlier.

Existing condominium and cooperative housing sales slipped 0.1 percent to a seasonally adjusted annual rate of 767,000 units in January from a downwardly revised pace of 768,000 in December. Last month's sales activity was 5.7 percent below the 813,000-unit pace in January 2006. The median existing condo price was $222,200 in January, up 0.5 percent from a year ago.

Total housing inventory levels rose 2.9 percent at the end of January to 3.55 million existing homes available for sale, which represents a 6.6-month supply at the current sales pace - unchanged from the revised December level. Supplies peaked at 7.4 months in October.
Regionally, sales rose 5.6 percent in the West, 4.8 percent in the Midwest, 2 percent in the South and were unchanged in the Northeast.

10 Ways to Improve your Credit Score

When you apply for credit, your credit scores help lenders determine whether or not you are willing and able to repay the loan. With a higher score, you qualify for better interest rates, higher credit limits, and more types of credit than you would with a lower score.

Your score reflects the way you use credit, and there are no tricks or quick fixes to getting a good credit score. However, you can raise your score over time by demonstrating that you consistently manage your credit responsibly. Here are 10 things you can do to improve your credit score.

1. Pay your bills on time. If you have a history of paying your bills on time, you'll have an easier time getting a mortgage loan, car loans, and credit cards. Even if you've had serious delinquencies in the past, a recent history (24 months) of on-time payments carries weight in credit decisions.

2. Keep credit card balances low. High outstanding debt can pull your score down.

3. Check your credit report for accuracy. Inaccurate information on your credit report can be cleared up easily. Always contact the original creditor and the credit bureaus whenever you clear up an error, so that the inaccurate information won't reappear later.

4. Pay down debt. Consolidating your credit card debt or spreading it over multiple cards will not improve your score in the long run. The most effective way to improve your credit is by slowly paying down the amount you owe.

5. Use credit cards-but manage them responsibly. In general, having credit cards and installment loans which you pay on time will raise your score. Someone who has no credit cards tends to have a lower score than someone who has managed credit cards responsibly.

6. Don't open multiple accounts too quickly,especially if you have a short credit history. This can look risky because you are taking on a lot of possible debt. New accounts will also lower the average age of your existing accounts, something that your credit score also considers.

7. Don't close an account to remove it from your record. A closed account will still show up on your credit report. In fact, closing accounts can sometimes hurt your score unless you also pay down your debt at the same time.

8. Shop for a loan within a focused period of time. FICO scores distinguish between a search for a single loan and a search for many new credit lines, based in part on the length of time over which recent requests for credit occur.

9. Don't open new credit card accounts you don't need. This approach could backfire and actually lower your score.

10. Contact your creditors or see a legitimate credit counselor if you're having financial difficulties. This won't improve your score immediately, but the sooner you begin managing your credit well and making timely payments, the sooner your score will get better.

While these ideas won't create a dramatic improvement in your credit score overnight, it will over time. Remember that it takes time to develop a strong credit profile, but once you've done it, you'll find it easier to apply for credit.

Win-Win Negotiations

For most people, the equity in their home represents their largest financial asset. Therefore, buying or selling a home should be treated as a business transaction.

The best transactions are those with a win-win outcome, in which both parties feel they have been treated fairly. One of the best reasons to hire a real estate agent is that we represent you as we negotiate on your behalf. Agents act as buffers between the parties in the transaction, effectively minimizing the emotional component of the process.

When an offer is presented, the seller can accept, decline, or counter it. By pricing a home fairly, sellers usually receive offers that are close to or may even exceed fair market value. If you receive an offer that seems unusually low, look closely to see if the buyer has offered other concessions such as a quick closing.

If the offer is unacceptably low, then present a counteroffer instead of declining it outright. That keeps the door open to additional negotiations and extends the possibility of arriving at a win-win outcome.

On a Mission

If you want more focus and purpose in your life, try writing a personal mission statement. Most companies and organizations have these declarations as the foundation for their business. Do the same for your personal life by outlining in one or two sentences what impact you want to make in the world.

Safe Keeping

It is wise to keep important documents in a safe deposit or fire proof box. Some items to include: birth, marriage and death certificates, mortgage and property deeds, insurance policies, divorce and custody documents, citizenship papers, military records and heirloom photographs.

What's the Difference?

Not all prospects are qualified buyers. Simply put, some are more capable of buying your home than others. But how do you know the difference when a prospective buyer comes calling? Most serious buyers enter the house hunting process with a mortgage pre-qualification or a pre-approval. Each indicates a different level of buying power.

1. Pre-Qualified – This means a REALTOR®, lending agent, financial advisor or the buyer has done a general review of the finances without an in-depth examination of credit. A simple analysis of debt to income indicates how much money the buyer has to spend on a mortgage payment after all other monthly expenses are met. However, someone who is pre-qualified does not have a promise for funds from a bank or lender.

2. Pre-Approval – This indicates a more rigorous financial review. The bank or lender will carefully examine credit, income and debt. The buyer will need to provide documentation for each, making the pre-approval more telling than the pre-qualification. The lender will recommend different loan programs, tell the applicant what dollar amount they would be eligible for, and at what terms and rates it would be given. A pre-approval letter outlines all this information. If a buyer is serious about purchasing your home, this letter tells you they have the potential backing to make the purchase happen.

Know the Lingo

For most people, getting a mortgage is an integral part of purchasing a home. But if you are new to the process, you are likely to encounter industry-specific words you may not know.

Here are the basics:

• Deposit - The amount you agree to give the seller at the time the sales contract is signed.
• Principal – The amount of money a borrower owes on a mortgage. In other words, how much you will owe the bank or lender once the loan is assumed.
• Down Payment - The difference between the purchase price, the initial deposit and the mortgage principal balance. It's the amount of cash you bring to the closing table that is not financed.
• Private Mortgage Insurance (PMI) – Many lenders will make provisions for those who cannot afford the standard down payment of 20 percent of the purchase price. Instead, they will drop the required down payment, but charge a fee called PMI. This may require an initial up-front payment followed by monthly fees.
•Principal, Interest, Taxes and Insurance (PITI) – This acronym stands for the four parts of the monthly mortgage payment.
• Point – Some buyers are able to reduce their principal by buying mortgage points. This is prepaid interest given to the lender at the closing. Each point is equal to 1 percent of the loan amount.

Visit Century21.com for more mortgage terms and definitions. The online glossary contains more than 900 entries.

The Perfect Fit

More and more people are reaching retirement with their health, financial stability and a new perspective on aging. For many in this group, a home or condominium in an active adult community is the ideal setting.

The benefits of these communities include property management, social activities, being surrounded by peers and more. When looking to buy in a “55 and over” or similar style development the key to making a good purchase is research and comparison shopping. Each development is different and you want to choose the one that is right for you.

Here are several things to consider.

• In addition to asking price, inquire about related fees. There will likely be an association fee for services such as maintenance and snow removal. Other potential expenses include pool costs, clubhouse fees, and the like.
• Ask about penalties. Some associations charge if you sell the unit or home before a certain date. That timeline and related consequences are usually outlined in the contract.
• Investigate social outlets in the community and the surrounding area. Read the association newsletter and get a feel for what kind of clubs and gatherings are offered. Inquire about other opportunities, like area golf courses, lakes and beaches. Look for a community that has amenities that match your interests.
• Ask what type of medical provisions are available. Some developments have emergency call systems. See if rates increase as the need for assistance rises.
• Besides a vibrant development, you want to buy in a town or city that is strong and appealing. What does the area downtown have to offer? What is the local tax rate? Are there projects on the horizon that could boost taxes in the future?
• Finally, consider your proximity to loved ones. It can be a key factor in your decision.

A New Look

When the day of your Open House arrives you want your home to be warm and welcoming. You want prospective buyers to imagine what it would be like to live there and like what they see so much that they want to bid on the house. Home staging is the first step down the path to a successful home sale.

One of the best ways to pique buyer interest is to breathe new life into the home. This can be done with four simple steps. Applied to each room, the impact can be significant.

1. Start with a clean slate. You want each room to be clean and free of clutter. Identify unwanted items and sell or donate them. Things you want, but don’t necessarily need on a daily basis should be packed up and stored elsewhere. Next, give the room a thorough cleaning. Shampoo carpets. Clean draperies. Take the extra steps and make it shine. A clean home is always more appealing.

2. Once the room is clean, look at it with a fresh eye. Is there a piece of furniture that detracts from the space? Does the couch need a slipcover? A few simple changes can update the room.

3. Next, think about color. Nothing brings a room to life like a warm, inviting tone on the walls. A fresh coat of paint in a neutral tone can make the space more appealing. In addition, if you pick complimentary tones for each room it gives the home both character and a sense of continuity or flow.

4. Consider updating your accessories and wall art. Once you have decluttered, cleaned, made key changes and painted, you want to add in a few signature pieces to boost interest. For instance, an heirloom painting from your great aunt may have a lot of appeal to you, but it may not work in the room anymore. Replace it with a piece that is better suited for the space.

Home Maintenance Tips

To prepare your home for sale, you may need to perform some maintenance to get it into top shape. Here is a list of things you can do before your home goes on the market that will really make a difference:

* Replace cracked windows and torn screens.
* Fix or replace broken stairs or handrails.
* Fix plumbing fixtures, leaking faucets, and so on.
* Replace exterior lock sets and garage door openers if damaged.
* Repair worn or damaged flooring.
* Replace broken or leaking gutters and downspouts.
* Remove any soil or landscape mulch from contact with wood.
* Clean, repair, or replace the roof.
* Repair or replace worn boards on decks or porches.
* Have your heater and air conditioning units serviced and filters replaced.

Some sellers may hesitate to tackle these matters because of the cost, but money spent on repairs can make a difference in the final sale price. Moreover, some of these deferred maintenance items are safety hazards and others may be required by the buyer or lender before closing.

Buyers tend to overestimate the cost of performing repairs and thus reduce their offer by an amount higher than necessary to compensate. If the lender requires the repairs to be performed before closing, the seller can, in effect, end up paying for repairs twice: first in a lower sale price and second in the out-of-pocket cost of the repairs themselves.

A better strategy is to perform the repairs before putting your house on the market. By comparing estimates from several contractors, you can be sure to get a competitive price. And you'll eliminate potential reasons a prospective buyer might use to justify a lower price offer.
If you're thinking about selling your home, please call or email to discuss repairs your house might need. I may be able to save you time and money.

Considering Making a Move?

When you're thinking about making a move, the first steps in the home buying process are:

* Deciding when you want to make your move
* Considering how much money you would like to spend
* Thinking about what type of home you would like
* Deciding where you would like to live

The next step is usually finding out how much you can qualify for and deciding the type of financing that will work best for you.

If you're in the "thinking about it" stage, you will want to speak with a lender about receiving pre-qualification. If you choose to become pre-qualified, the lender will determine how much you can borrow based on financial information you provide to the lender. Pre-qualification is useful for making preliminary decisions about how much home you can afford, but does not assess your creditworthiness. You will need to fill out a loan application and go through the lender's loan approval process at a later date.

When you decide to buy a home, you will want to become pre-approved for a loan prior to beginning your home search. When you are pre-approved, the lender conducts a thorough credit check and verifies your employment and deposit. The lender's pre-approval is a commitment to loan up to a certain pre-determined amount. The only thing missing is the lender's appraisal of the home to confirm its value.

Why is pre-approval important at the beginning of the home buying process?

Pre-approval strengthens your offer and negotiating position. A home seller will often choose an offer that is pre-approved for a mortgage over someone whose financial picture is still in question.

Please don't hesitate to call or email me for additional information about the buying process. My goal is to provide you with practical information as you consider your next move. And, when you're ready to make your move, I'll help you find your dream home and handle all the details of the transaction, so all you need to do is pack!

Garage Sales

Is there too much clutter in your home? It can be a shock to see all the stuff most of us have accumulated through the years.

One of the best ways to clear out clutter is to have a garage sale. Here are some tips to making your garage sale effective:

* Advertise your sale in a local newspaper. Make sure to include your address and what days and times the sale will take place.
* Place directional signs at nearby key intersections.
* Place smaller items on tables.
* Be prepared in case of inclement weather.
* Put price tags on everything, but be flexible and ready to negotiate.
* Be prepared for early arrivals. Decide whether you want to allow early birds or if you will begin only at the specified time.
* Start with an adequate amount of change and small bills on hand. Decide whether you will accept checks.
* Have plenty of help--it's more fun that way!

Try to look at your home through a prospective buyer's eyes. Lack of clutter will help your home show better, and it will ease your move to a new place. And even if you are staying put, getting rid of clutter will allow you to enjoy your home more comfortably.

Get Your Free Homes Sales Alerts

Allow me to keep you informed! I can keep you informed of the homes selling in your area -- all via email.

Send me your email address and property address and I can add you to my home sales alert list. Every 60 days you will be updated with what is selling in your area!

Also, contact me anytime for detailed information on any area in the country including:

*Demographics
*School Information
*Housing trends and values
*Crime and climate reports

Or simply click here!

Packing Tips

Decide whether you are going to pack yourself or hire movers to do the job. Some buyers opt to pack themselves to save money and then have movers load the truck. Whether you hire movers to pack or do it yourself, below are some do’s and don'ts to make your move more efficient:

* Buy quality supplies beginning with sturdy moving boxes in a variety of sizes. Have plenty of packing paper, bubble wrap, and packing tape on hand. Identify boxes with labels, stickers, or bold markers. As you pack, list contents of boxes in a notebook.
* Do not pack items that are flammable, corrosive, or explosive, such as gasoline, fireworks, aerosols, paints, pesticides, liquid bleach, paint thinner, pool chemicals, propane tanks, or Sterno.
* Hand-carry valuables or items of personal importance or sentimental value. This includes important documents, jewelry, collections, and family photographs.
* Pack in order. Top national movers suggest you start with out-of-season items. Next pack those items you use infrequently. Leave your daily needs unpacked until the last minute.

I hope you'll find these suggestions useful. My goal is to handle all the details of the transaction, so all you have to do is pack!

Home Equity

The largest single asset most people have continues to be a home of their own.

A recent survey found that the equity we have in our homes outweighs the value of our investment portfolios, on average, by a ratio of 3 to 1. With stock prices still volatile, many families remain focused on preserving and protecting the equity in their homes.

Therefore, home improvement and home maintenance have become extremely important to home sellers. Deferred maintenance definitely lowers a home’s value.

The three most common areas of deferred maintenance that affect a home’s selling price are:

* Water damage
* Pests
* Roofs needing repair or replacement

Refraining from deferring maintainance on these items will go a long way to helping you maintain your home's best value.

Minimize Stress

Did you know that for most people, moving ranks near the top of the list of stressful events? Here are some things you can do to minimize stress when you are ready to make a move:

* Choose a real estate agent who communicates clearly and frequently, keeping you up to speed on every step of the process.
* Consider how long it will take from the time you make an offer on a property until the transaction closes. Once an offer is received and accepted, it may take from 30 to 45 days to obtain financing. Being pre-approved for a loan can shorten that time frame considerably.
* Decide whether you want to move yourself or have professional movers handle the job. If you hire a moving company, be sure to book well in advance.
* Think about cleaning services. After everything is packed and moved is a great time to have someone come in and clean.
* Arrange at least two weeks in advance to have utilities and phone service disconnected at your old house and reconnected in your new home on the move-in date.

First Impressions

When you are ready to market your home, one thing to keep in mind is that you have only one chance to make a first impression--beginning the moment potential buyers drive up.

You can help create that good first impression by presenting potential buyers with a well-cared-for yard including a mowed lawn. Your front door and porch should be clean and neat, preferably freshly painted. Have snow removed in the wintertime and leaves raked in the fall.

These first important encounters create a positive impression that carries through to the rest of your home. An inviting atmosphere implies that your house has been well maintained and taken care of. Homes that convey pride of ownership usually receive the best offers.

If your home appears disheveled or uncared for, prospective buyers may quickly conclude it's been neglected and is in need of repairs. Such a negative impression can result in a less-than-generous offer--or possibly no offer at all.

Try viewing your home through a potential buyer's eyes. Would YOU buy your home?

What A Buyer Needs at the Closing Table

Once the contract has been negotiated and the closing papers are about to be signed, you will need additional items for the transaction to close. When you go in to sign the papers, you will need:

* Photo ID, either a driver's license or passport.
* A cashier's check for the down payment and closing costs. Personal checks are not acceptable because they take time to clear.
* A hazard or fire insurance policy ready to put in place upon closing.

Needless delays in closing have been caused by lack of insurance or waiting for a personal check to clear. Many buyers think that they will receive the keys to their new home when they go in to sign and pay their money. But it may take a few days past signing for the paperwork to be processed. Plan your moving date accordingly. Check the possession date on your contract.

Please don't hesitate to call or email me if you have any questions or would like me to review the details with you. Together we can work out a timeline to accomplish your real estate goals. I welcome the opportunity to help you when you are ready to buy a home.

Remodeling?

Are you thinking of remodeling your home? Consider the return on your investment before remodeling. Not all remodeling projects yield the same return when it comes to increasing your home’s value.

Updating your kitchen and baths is your best remodeling investment, returning a nearly dollar-for-dollar increase in home resale value. An updated kitchen and bathrooms make your home that much more attractive to potential buyers when you do decide to sell.

By contrast, converting a basement into a family room or adding outdoor recreation facilities, such as a swimming pool or sport court, yield the lowest return on your investment.
Sometimes the cumulative effect of several smaller projects can yield a higher resale value than one or two larger ones. Smaller projects tend to be more cosmetic--new paint, doors, or windows. Larger projects that upgrade or add living space may cost more, but almost always add less resale value for the dollars spent.

Whatever you do, be careful of over-improving for your neighborhood. Remodeling that significantly improves your property over neighboring homes won't return as much when it comes time to sell.

The Closing Process

Once you have found the home of your choice, there are several additional steps to close the sale after the purchase and sale agreements have been signed.

Step 1 - Removing contingencies: The most common contingencies that buyers include in an offer are financing, home inspection, and the sale of their current home. These conditions must be removed or waived before the sale can proceed.
Step 2 - Appraising the property: The lender requires a formal appraisal to confirm the value of the home. This is used as a basis to secure the loan.
Step 3 - Preparing closing documents: Most often attorneys prepare documents that confirm the transaction, prorate funds, and so on.
Step 4 - Signing closing documents: Even after both parties have signed closing documents and deposited funds, the sale may take a few extra days to close.
Step 5 - Recording the deed and disbursing funds.
Step 6 - Welcoming the moving van.
Step 7 - Receiving the keys to your new home!

There are many opportunities for surprises or delays in a transaction. Part of my expertise is troubleshooting problems that arise during the closing. Please email or call me if you have any questions or would like more information.

Moving Day

Most buyers and sellers consider moving day a real hassle. Here are some things you can do to make it more manageable:

* Cut back on your possessions as you pack. Make separate areas for items to be discarded, sold, or donated to charity.
* Label all boxes and color-code them by room, whether you pack yourself or have help. Otherwise, you'll never remember what's in each box.
* Have the outside door locks on your new home changed and the garage door opener reprogrammed.
* Get referrals from your doctors, dentists, and veterinarians for new providers near your new home. Take your files with you instead of waiting for them to be sent.
* Pack a “first night” box that contains everything you'll need for the first night in your new home. Include bedding, cookware, utensils, toiletries, and anything else you can't do without before you are unpacked.

Once an Offer Is Accepted

When buyers make an offer on a new home and it is accepted, one of two things usually happens:

1) Buyer's Remorse: You've made an offer. It was accepted. You've almost bought your dream home. Then, later that night, or the next day, you start worrying. Did I make a good decision? Can I afford it? What if this happens? What if that happens? Anxiety and stress set in.
This is a normal reaction. It is called buyer's remorse.

The best way to handle buyer's remorse is to take out a sheet of paper and draw a line down the center. On one side, list all the positive things about buying this home. On the other side, list all of the negatives. You will come to realize that buying this home is a good decision. I will be with you step by step to help answer any questions and concerns.

2) Shopping Spree: Buyers are sometimes so excited about their new home that they go out and order new furniture, appliances, window treatments, and sometimes even a new car! This can create pandemonium with your credit and debt ratios that lenders look at to approve your loan. Sometimes excessive purchases can cause the lender to reduce the amount of your loan, placing your home purchase at risk.

Your best strategy is to postpone additional shopping until after closing. Once you have moved in and are settled, you can start thinking about all the amenities and extras to make the new house your home.

Four Improvement Tips to Impress Buyers

Sellers who refuse to make minor repairs are likely to pay for their refusal. Here are 4 improvements a seller can make that will greatly increase his chance of sale.

-Start with the kitchen; it’s the most important room in the house for most buyers. Refacing the cabinets or sanding them and painting them white is often a worthwhile undertaking. If the flooring is in poor condition, replace that too.
-Update the bath. While paint and flooring help here too, sellers may find spending $200 to replace the mirror and vanity set will net them the greatest payoff.
-Clean the laundry room. Hire a carpenter to install built-in shelving, repaint and replace worn flooring. Also, upgrade the light fixtures and make sure all the light bulbs work.
-Scrub the place clean. A squeaky clean house makes an impression on buyers. If a buyer thinks your home looks clean, they won't think there are any hidden problems. If it's dirty, they'll think it has all sorts of hidden problems.

Good Photos Help a Home Sell Quickly

It has been said that a picture is worth 1,000 words, that is especially true when it comes to selling a home. As more buyers shop for properties online, high-quality photos are more important than ever. Good photos are particularly important for virtual tours, which provide a 360-degree view of a room. It is helpful to have these photos done professionally, this will ensure that the photos were taken in the right light and capture the area properly. If you do decide to take photos yourself, here are some tips for making the home look its best on camera.

-Insist on good photography equipment so the photos are sharp and colors aren’t washed out.
-Get rid of clutter in the home so the focus can be on the property, not the furniture and personal items.
-Don’t shoot at night. Natural daylight will make the home look brighter.
-Use flowers; they’ll add color to the photos.
-Wide-angle lens are good, unless they distort the view. Making an average living room look like a ballroom will only disappoint a potential buyer when she sees the real thing.

Negotiating and Submitting an Offer

The smoothest transactions are those with a win-win outcome, in which both parties feel they have been treated fairly. One of the best reasons to hire a real estate agent is that an agent represents you and negotiates on your behalf. Agents act as buffers between each party, minimizing the emotional elements of the process.

When you make an offer, the seller can accept, decline, or counter it. The best tips to ensure that your offer is accepted include:

* Be pre-approved by a lender. This strengthens your position.
* Provide a substantial deposit. This shows you are serious about the property.
* Limit your contingencies to those important to you, such as financing, inspections, and the sale of your current home if necessary.
* Offer a fair price based on the marketplace. If your offer is too low, the seller may not even consider countering your offer.

My goal is to get you the best home under the best conditions. I will negotiate on your behalf, working hard to help you make a smart buy.

The best negotiations are those in which the buyer and seller feel the transaction was fair. The seller gets to move on and you get a new home!

I'll be happy to answer any additional questions you might have about the negotiation process. When you are ready to purchase a new home, I welcome the opportunity to help you.

Internet Marketing

Have you wondered what it would take to sell your home for the highest price, in the shortest amount of time, and with a minimum of inconvenience?

Besides accurate pricing and an effective marketing campaign, posting your home on the Internet can make a huge difference. The Internet has largely replaced newspapers as the advertising medium of choice for real estate listings.

Why? Posting listings online costs almost nothing, information can be changed or updated almost instantly, listings can be screened by price or area, and the information is available to prospective buyers 24 hours a day, seven days a week.

According to a recent survey, almost 80% of all buyers use the Internet to search for a new home. They like the ability to see pictures and obtain additional information. Plus, buyers who search on the Web spend an average of $22,600 more for their new home than other buyers. To accomplish my goal of selling your home for the best price in the least amount of time, let’s use one of the most effective marketing techniques--the Internet.

Buying a Home With An Eye for Resale

As you start looking for a new home, you probably aren't even considering your NEXT move. You probably just want to get this one taken care of! But it is always prudent to shop for a new home with an eye on potential resale value down the road. No one can predict what the future will bring, but here are some simple things you can look for:

* Views: Homes with a view often sell for a premium. If a view is important to you, buy it for your own pleasure. You may place a certain dollar value on the view; but when it comes time for you to sell, you may find that not all buyers are like-minded.
* Lot Size and Shape: Level or rectangular lots are the most desirable. But much of the value in real estate is concentrated in the house, so significant investments in landscaping may not pay themselves back upon resale. And as a buyer, do not pay a premium for someone else's landscaping efforts.
* Neighborhoods: Houses will vary in size from neighborhood to neighborhood. The best advice always is to purchase a smaller home in a nicer neighborhood. Buying what you need in a more prestigious neighborhood may provide more financial reward later, compared with buying something bigger in a less desirable neighborhood.
* Closets: Walk-in closets are very desirable, especially in the master bedroom. Closet space is always an issue.
* Kitchens and Baths: A spacious, updated kitchen is among the most important features in a home. Updated baths are also important.
* Garages: These add resale value.
* Backyard Features: Decks and patios generally yield almost a dollar-for-dollar return.

Why Choose a Tech-Savvy Agent?

When you choose a real estate agent, you’re selecting someone to represent you in one of the largest financial transactions you may ever undertake.

As the Internet continues to simplify the way people research buying and selling homes, there are many good reasons to choose an agent who can harness the power of technology to provide you with exceptional service, including:

* Sending up-to-date information by email for you to review at your convenience.
* Providing you with an online home evaluation to stay on top of current market value.
* Emailing new home listings to you as soon as desirable properties hit the market.
* Delivering e-newsletters to keep you informed about market trends and other important matters.
* Showcasing your home on the Web to help you sell it for top dollar.

Whether you’re thinking about buying or selling or simply want to stay informed about the real estate market, using new technology helps me consistently provide you with timely information and outstanding service.

Lifestyle Shopping

Now that you have thought about the type of home you would like to buy, consider some important criteria that can make a home more or less attractive. Factors to consider include:

* The commute to work: How quickly can you get to and from work? How much traffic will you encounter during the prime commuting hours on the weekdays or around shopping areas and sporting events on the weekends? Do you need access to public transportation?
* School districts: If you have school-age children or are planning to have children, then consider the proximity of local public and private schools.
* Access to shopping: How accessible is the nearest grocery store? How close are prime shopping areas?
* Utilities: Is there an adequate supply of water and electric power? Are there gas lines available? And don't forget access to cable or high-speed Internet!
* Public safety: How close are police and fire departments? How are the emergency medical services? Is distance to the nearest hospital important to you?
* Parking: What is the parking situation? What size garage do you want? Do you have space to accommodate guest parking? Is street parking available?
* Recreation Areas: Do you have recreational interests to factor into your home search? How close is the nearest park, lake, beach, or ski slope? If you are moving to a new community, you may want to check out playgrounds and fitness centers.

All of these factors contribute to a quality of life that will affect your enjoyment of your new home. Consider the lifestyle you want and the area amenities that are important to you. The perfect house in a neighborhood that doesn't suit you will never feel like home.

Pre-Approved Buyers

Sometimes similar-sounding terms can have vastly different meanings. Whether a buyer is pre-approved or is merely pre-qualified, for example, can make a huge difference in the length of time it may take your home sale to close.

Buyers who are “pre-qualified” are those whose lenders have determined how much they can borrow based only on information the buyer has provided to the lender. Nothing has been verified to determine the buyer's true creditworthiness. The buyer still must fill out a loan application and go through the lender's approval process.

For buyers who have been “pre-approved,” the lender has already done a credit check along with verification of employment and deposit. The lender's pre-approval is a commitment to loan the buyer up to a certain predetermined amount. The only piece missing is the lender’s appraisal of the home to confirm its value.

An offer from a pre-approved buyer can trim days or even weeks off the closing process. When I assist sellers, I make sure I am dealing with offers from pre-approved buyers. This maintains the sellers best interest, and makes the process of selling go much more smoothly.

Finding Your Dream Home

There are many choices when thinking about buying a house:

* Home Type: Do you want a detached single-family home, multifamily home, townhouse, or condominium? Do you prefer new construction or a previously owned home? Each has advantages and disadvantages.
* Location: Is a view important to you? How about the size of the yard? Is privacy more important than the size of the yard? Is the home on a quiet street or is there a lot of traffic?
* Size and Floor Plan: What size home do you want? Consider how you will live in and use the space. For example, do you want four bedrooms because you have three children? Or will you use the extra bedrooms for a guest room and separate office or hobby space? How you live in and use your home will determine the size, configuration, and floor plan you need.
* Fixer-Upper: Do you want a fixer-upper? It's a great way to accumulate instant equity, but it does take time and money. Consider financing. It can be a challenge, depending on the condition of the house.
* Special Requirements: Make sure the home has any special features you may require, such as RV parking, central air, a main-floor bedroom, or disability features.
* Family Space: Family activities often center around the kitchen, so this may be the most important room in the house. Larger kitchens are usually better. If the home is a resale, have the kitchens and baths been updated? How much space do you want in your kitchen? Do you like the layout? Are new appliances important to you?

There are so many things to consider when you shop for your new home. I'd be happy to share my expertise to make buying your home a fun and exciting experience. When you are ready to buy, I welcome the opportunity to help you. If you have any questions, feel free to contact me.

Pricing is Key

According to a recent report, nearly eighty percent of potential buyers use the Internet to refine their home search. Broker Web sites let buyers browse by house size, style, area, and price.
Because many buyers look only at those homes within their price range, it's important to accurately price your home for the market. The higher a home's price above market, the fewer the number of interested buyers, and the longer it will take to sell.

The key to selling your home quickly at the greatest return is to price it at market value right from the start. A fairly priced home will capitalize on the flurry of buyer interest a home enjoys during its first few weeks on the market.

Six Ways First-Time Buyers Can Prepare

A cooling housing market gives buyers, especially first-time buyers, more opportunities to snatch up a good deal. But just because there are good deals, doesn't always mean buyers are ready to make the leap.These six tips will help prospective buyers find out if they are ready for homeownership.

1. Take a first-time home buyer class. It will make repairing a credit score and shopping for a loan less stressful.
2. Be conservative. Borrowing too much can mean stretching and even sacrificing--to the point that it’s hard to even keep a six-pack of beer in the fridge.
3. Organize documents. First-time buyers should keep a pay stub, W-2, and bank and retirement account statements on hand to expedite the loan application process.
4. Get pre-approved. Before starting the homebuying process, consumers should get pre-approved by at least one lender. Being pre-approved won't lock buyers into a loan but it may save them the heartache of falling in love with a home they really can't afford.
5. Play house. Every month, prospective buyers should bank the amount that they'd have to pay if they owned a home. It's good practice so they'll be ready for the real thing.
6. Consider all the costs. It's not just a mortgage payment they have to worry about. Repairs, assessments, and other costs of homeownership can add up quickly.

Appealing an Assessment Can Be Worth It

Experts say appealing a tax assessment isn’t particularly difficult and it can significantly reduce what a home owner pays. Here are some tips that apply everywhere, if you believe your tax assessment is wrong.

* Start by calling the tax assessors. Ask how the property is assessed and discuss your specific concerns.

* Make sure the assessors have the correct physical description of the house, including the proper square footage and the correct number of bathrooms and bedrooms.

* Tell the assessors about things that an inspection from the outside the home doesn’t reveal, such as the leaky basement, the crack in the foundation, or other problems that can’t be easily resolved.

* Point out other homes in the neighborhood that are of a similar in size and quality, but have lower assessments.

Before You Buy a Home

So you're ready to find a new home! You may already have a good sense of what you are looking for in your next home. But a big obstacle to purchasing the new one can be coming up with the down payment. Most lenders require buyers to include a portion of their own funds—the down payment—toward the purchase of the home.

Saving for a down payment can be one of the most challenging steps in buying a home, particularly if it is your first home. Your down payment plus your pre-approved loan amount will determine how much home you can afford. A down payment can come from many places: savings, investments such as stocks and bonds, gifts from relatives, company bonuses, equity in other assets, and life insurance policies, to name a few. Moreover, there may be home mortgage alternatives that do not require a down payment.

If you currently own a home, then you may want the equity you have built in that house to serve as the down payment on your next home. But how much is your current home worth? I would be happy to provide you with a market valuation so that you will know its current value.
If you provide me some basic information on your home, I will use it to establish a list of comparable properties in your area as reported by the Multiple Listing Service (MLS). This will give you a range of prices at which your home would be expected to sell. Then I can prepare a more precise and thorough valuation by taking a brief look at your home. If you are interested in this, then I can arrange a convenient time to stop by if you click here.

Staging a Home for Sale

I have found from experience that the activity during the first two weeks a home is on the market tends to predict how long it will take to sell. Potential buyers eagerly jump on new homes on the market.

Here are some “staging” tips you might find helpful:

* Keep your home in “show shape.” Make sure that beds are made, dishes are in the dishwasher or put away, everything is picked up, and the kitchen and bathrooms sparkle.
* Decorate with fresh flowers. Many home sellers use potted flowering plants that last much longer than cut flowers. Place them inside and out. They really add cheer!
* Turn on lights; replace all burned-out bulbs. Open blinds and draperies. Let the natural light in.
* Confine pets and keep them out of sight when possible. They can be distracting, and some people have allergies.
* Create a relaxed atmosphere with soft background music.

For more staging ideas, contact me by clicking here.

10 Features That Really Help Sell a Home

In this tough market even small things can help a home sell faster. Here are 10 things home buyers are looking for in today's homes.

1. Outside electrical outlets — especially those installed high up for holiday lights.
2. Permanent grill with gas service.
3. Electrical service for a future hot tub or fountain.
4. Security lights.
5. Speaker wires that are installed throughout the house, especially if a diagram is available.
6. Exterior speakers — if they stay with the home.
7. Lawn sprinkler system (note whether it has been winterized).
8. Availability of drawings and permits for substantial renovation work.
9. Storage that is both obvious and hidden, including a crawl space with lights and any oversized closets.
10. Swing-out drawers in the kitchen pantry.

23 Ingredients to Successfully Selecting a Contractor or Home Remolder

23 Ingredients to Successfully Selecting a Contractor or Home Remodeler for Buyers

1. Shop around … don’t rush into choosing a contractor.
2. Get references from friends, neighbors, and family who have had similar work completed.
3. Get at least three written estimates for identical work so that you can easily compare bids.
4. Get references from the contractors so you can check on their work.
5. Call your local municipality and see if there have been any complaints against any of the companies you might consider for your remodeling.
6. After you have made a choice of contractor, don’t let work begin without a signed contract. Be sure to seriously consider having an attorney review prior to signing.
7. Be wary of signing a “letter of agreement” or even a contractor bid form—this might be a binding contract.
8. Be sure to specify what is to be done and when work is to be completed. Make sure the contract contains:
9. Who will do the work?
10. When will the work be completed?
11. A detailed list of specific materials to be used.
12. The appliances or fixtures to be supplied.
13. The dates for beginning and completing the job.
14. Monetary penalties for non-completion of project on time.
15. A provision for the cleanup of the premises.
16. Don’t sign a contract that reads “work as per agreement.”
17. Specify that contractor will obtain all necessary licenses and permits.
18. Specify contractor will meet all zoning regulations and building codes.
19. Be sure contractor will indemnify you in case of not meeting all regulations.
20. Be sure that the contract states that the contractor is responsible for any damages to your property.
21. If contractor guarantees the work, be sure it specifically states what is guaranteed and for how long.
22. Contract should state when payment is due. Never pay full price in advance; link payments to certain stages of completion of the entire job.
23. Final payment and the signing of any completion certificate should only take place when the work is completed to your satisfaction.