Title /blog/posts/2017/?format=rss A blog feed. en-US Thu, 28 Dec 2017 14:00:00 -0500 Tips to Keep in Mind for Buying a House in 2018 https://www.hansbrings.com/blog/posts/2017/12/28/tips-to-keep-in-mind-for-buying-a-house-in-2018/ <p style="text-align: center;"><b id="docs-internal-guid-d2d5f378-6a7f-09e9-2f20-ea04e5cc5f44"><img src="https://lh4.googleusercontent.com/kxu1hN-0wE8cub0jYsVOrL9ewMZ-cTpN37mogwueF3VVZuI8wVABjxpxs14HdRRkORa0ZSXPX6KMr77lnScm2UoZrVQV9BU2AjP2CuwJgsENFkv7widMcM19xsH5cserKQwaYnEmVLZ3XJcGZQ" style="width: 400px; height: 313px;" class="featured"></b></p> <p>With the new year quickly approaching it&rsquo;s time to start thinking about the future! A year can bring a lot of surprises, both good and bad, to the way we buy homes. <a href="https://www.hansbrings.com/realestate/agent/hans-brings/">Hans Brings</a>, a Realtor from Waltham, Massachusetts, offers a few tips and tricks to make sure you kick off the new year the best way possible, and get the home you want!</p> <p>December is the time to start planning! Get yourself primed and ready for the new year by checking off a few necessary to-do&rsquo;s.</p> <p><strong>Suggest monetary gifts for the coming holidays</strong></p> <p><a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">Buying a house</a> will of course cost a lot of money. Keep in mind there are a few fees that that not be as obvious as the price tag shows. There&rsquo;s the down payment, as well as any incurred costs involved with physically moving!</p> <p><strong>Check your credit score</strong></p> <p>Credit scores are one of the most important tools when it comes to buying a home, so checking early can help ensure a safe transition in the buying process. Scores range from 300 to 850, and the higher the score the better! Higher credit scores mean that your rates will be lower.</p> <p><strong>Considering potential agents</strong><br> While there are many <a href="https://www.hansbrings.com/our-agents/">real estate agents</a> out there, not all of them are Realtors. A Realtor&reg; is a licensed real estate salesperson who belongs to the National Association of Realtors&reg;. Realtors&reg; are held to a higher ethical standard than licensed agents and must adhere to a Code of Ethics. You also want a Realtor who is intimately <a href="https://www.hansbrings.com/realestate/market-report/">familiar with the area</a> in which you want to buy. The details of the local community are an important part of any home buying decision. By making sure you choose a Realtor who lives and works in Waltham and knows about local schools, events, politics, etc., you know that you can trust them to provide the most comprehensive picture to help you make the best buying decision.</p> <p><strong>Always be checking interest rates</strong><br> Don&rsquo;t forget that the <a href="https://www.hansbrings.com/market-analysis/">market&rsquo;s rates</a> aren&rsquo;t entirely the same as yours will be. Everyone has rates that may fluctuate based on many factors, one being your credit score! Though it&rsquo;s hard to predict the future, but keeping tabs on the trends of rates can help you make more well-informed decisions that will save you time and money.</p> <p><strong>Find a lender</strong><br> Go to a mortgage lender before getting to deep into the home buying process to make sure you&rsquo;ll be able to buy the home! The question then arises, where can you find a good lender? If you&rsquo;ve been with a bank for a long time, ask them! If not, your realtor should be able to offer some potential lenders. After researching lenders, and before choosing, find out important information like their rates and how long to close.</p> <p><strong>Get approved early</strong><br> After completing the above steps, talk to your lender about getting preapproved for a <a href="https://www.hansbrings.com/blog/posts/2017/09/27/top-10-home-loan-tips/"> loan</a>. Doing this can speed up the home buying process and will demonstrate to home sellers that you can really afford to buy.</p> Thu, 28 Dec 2017 14:00:00 -0500 10 Additional Holiday Home Selling Tips https://www.hansbrings.com/blog/posts/2017/12/18/10-additional-holiday-home-selling-tips/ <p style="text-align: center;"><img alt="" src="https://s3.amazonaws.com/files.usmre.com/5872/blog/estate-2962167_640.jpg" style="width: 400px; height: 400px;" class="featured"></p> <p>Earlier this month I explained three advantages of selling your home during the holiday season. With fewer homes being marketed during this &ldquo;off-season&rdquo; you can get the attention of serious <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buyers</a> during the holidays. Here are 10 additional tips to implement to successfully sell your home this winter.</p> <p><strong><u>Deck the Halls</u></strong></p> <p>Decorating for the holidays is always a rewarding and exciting activity. While it can show how great the property can look for the holidays, try not to go overboard. As too much d&eacute;cor can be distracting as well as potentially turning off buyers if the decorations are religious themed.</p> <p><strong><u>Hire a Reliable Real Estate Agent</u></strong></p> <p>In Waltham, MA seeking out a <a href="https://www.hansbrings.com/realestate/agent/hans-brings/">reliable Realtor</a> is extremely important. During the holiday season especially, you will want an agent who will not disappear. Find an agent, either by your own search or through recommendations, that will work hard to get your home sold to serious buyers. This will take the most stress out of the selling process during the holidays.</p> <p><strong><u>Seek Out Motivated Buyers</u></strong></p> <p>As mentioned in earlier blogs, buyers looking at the market during this time are very serious to close on a home. This is where you and your agent can strategize to seek out buyers with a deadline, such as people relocating jobs, investors on tax deadlines, college students, etc.</p> <p><strong><u>Price to Sell</u></strong></p> <p>No matter the season, a home that is priced low on the market will make buyers interested. Instead of gradually making reductions to the price, many Realtors suggest that sellers slash their prices before putting their home on the market. This way, during the holiday season, you will be one of the few on the market and listed at a <a href="https://www.hansbrings.com/home-worth/">price</a> that will attract buyers.</p> <p><strong><u>Curb Appeal</u></strong></p> <p>Just like with any season for real estate, adding curb appeal before showings makes a huge impact on the success of your home being bought. Especially during the winter as plants and trees start to lose their leaves. Touch up the paint of your home, clean the gutters and make the yard look welcoming. Make sure all walkways and stairs are free from any debris, snow or ice.</p> <p><strong><u>Quality Real Estate Photos</u></strong></p> <p>First impressions are everything, and during the colder months, buyers will be looking at online listings first. This is where you can make your mark by highlighting your home with high-quality photos of your home. Make sure to include photos of all the season of the year so buyers can see how the home looks in the spring as well as the winter.</p> <p><strong><u>Video Tour or Interactive Photo Floor plan</u></strong></p> <p><a href="https://www.hansbrings.com/sellers/selling-your-home/">Selling your home</a> during the holidays runs the risk of having very little foot traffic for showings. To solve this problem, and to sell your home quickly, create a video tour or photo floor plan of your home that you can post on the internet and on listing sites. That way buyers can have their own showing without dealing with the colder climate.</p> <p><strong><u>Give Potential Buyers a Place to Escape the Cold</u></strong></p> <p>For showings, crank up the heat and make your home feel cozy and inviting for buyers to come in to take a tour. Play soft comforting music and offer holiday treats to make house hunters feel right at home. The longer they stay in your home, the longer they must admire and visualize their families in the home.</p> <p><strong><u>Financial Holiday Cheer</u></strong></p> <p>The holiday season is meant for giving right? If you know you have serious buyers on the table, why not offer a home loan? You can get a good rate of return on your money!</p> <p><strong><u>Relax</u></strong></p> <p>Holidays are stressful enough with all the shopping, planning, and decorating. Take a moment to remind yourself that if you don&rsquo;t find the right buyer during the holidays there is always next year. The new year is right around the corner and you will have generated&nbsp;more interest as more buyers start to look on the market after the start of the new year.</p> Mon, 18 Dec 2017 14:00:00 -0500 Pros & Cons of Decorating Your Home to Sell During the Holidays https://www.hansbrings.com/blog/posts/2017/12/12/pros-cons-of-decorating-your-home-to-sell-during-the-holidays/ <p style="text-align: center;"><img alt="" class="featured featured" src="https://s3.amazonaws.com/files.usmre.com/5872/blog/christmas-fireplace-1875871_640.jpg" style="width: 427px; height: 640px;"></p> <p>As I mentioned in a <a href="https://www.hansbrings.com/blog/posts/2017/12/06/3-advantages-of-selling-your-home-during-the-holidays/"> previous blog</a>, the <a href="https://www.hansbrings.com/market-analysis/">real estate market</a> does not close during the holiday season. It may slow down, but it is a great way to attract serious buyers looking for a home this holiday season with little competition. The question on <a href="https://www.hansbrings.com/sellers/selling-your-home/">selling your Waltham, MA home</a> during the holidays is whether to decorate your home or to leave it empty for showings. Here are some pros and cons of decorating for the holidays while you are trying to sell your home in Waltham, MA.</p> <p><strong><u>Why You Should Decorate</u></strong></p> <p>Decorating your house during the holiday season can be beneficial for both your family and potential buyers. This is because your family will be able to celebrate the season while offering any <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buyers</a> a festive experience. As they tour the house during the showing, they can envision how the home will look for the holidays if they were to purchase.</p> <p>In addition to your home, if your neighborhood dresses their properties up for the holidays, it is a great selling point to show potential buyers how festive and friendly the neighborhood is.</p> <p>Here are some home staging suggestions for when you are decorating during the showing period:</p> <ul><li>Avoid putting off potential buyers of different religions, keep it secular.</li> <li>Stick to neutral colors and decorations that enhance your current d&eacute;cor.</li> <li>Do not go overboard with the decorations as it could make your home appear cluttered.</li> <li>Avoid blocking important features of your home with decorations.</li> </ul><p><strong><u>Why You Shouldn&rsquo;t Decorate</u></strong></p> <p>As beautiful as holiday decorations are, they can have a negative effect on your home&rsquo;s appeal during showings. Your home could seem small and cramped with all the decorations or the decorations become a distraction for buyers who are trying to envision themselves in the house. Be mindful of your potential buyers and decorate accordingly.</p> <p>Reasons to not decorate while showing your home during the holidays:</p> <ul><li>Religious d&eacute;cor could potentially alienate buyers.</li> <li>Protecting our privacy, as personalized decorations or cards could show personal information.</li> <li>Decorations, or trees, could block off areas of the house while also showing a mess with shedding pine needles.</li> </ul> Tue, 12 Dec 2017 14:00:00 -0500 3 Advantages of Selling Your Home During the Holidays https://www.hansbrings.com/blog/posts/2017/12/06/3-advantages-of-selling-your-home-during-the-holidays/ <p style="text-align: center;"><img alt="" src="https://s3.amazonaws.com/files.usmre.com/5872/blog/warm-and-cozy-1975215_640.jpg" style="width: 400px; height: 266px;" class="featured"></p> <p>Everyone knows that spring and summer are the ideal times for the real estate industry. In an earlier blog we explained how buying a home in the fall can be beneficial. This is also true for <a href="https://www.hansbrings.com/sellers/selling-your-home/">selling</a> your home during the holidays. Below are the top three advantages of selling your home during the holidays.</p> <p><strong><u>Less Competition</u></strong></p> <p>Much like <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buying a home</a>, selling a home during the holiday season means there will be less competition. Most sellers will decide to take their homes off the market as this is considered the off-season, while others would rather wait until the new year. This is a great opportunity for you to get ahead of the curve and have your home in the &ldquo;show&rdquo; condition on <a href="https://www.hansbrings.com/real-estate/search/">listings</a>. The smaller number of listings on the market means that you will have all the potential holiday buyers to yourself.</p> <p><strong><u>Motivated Buyers</u></strong></p> <p>Anyone who decides to shop for a new home aside from all their holiday shopping is serious about purchasing a new home now. No matter what reason they have for looking during this time, it is important for you to take advantage of the opportunity and get your home shown on the market. Be flexible with your showing times to accommodate the buyers so buyers can get a good look at your home. You will also want to be open to negotiating contract terms that work with their schedules.</p> <p><strong><u>Your Home Looks Great</u></strong></p> <p>When it comes to buying a home, a big factor in to the purchase is emotion. This factor can be capitalized on during the holiday season by making your home cozy and cheering during showings. Holiday decorations and a clean house removed from clutter will allow buyers to visualize their own families celebrating the splendid holidays in your home. The key with decorations is that you want to make sure they enhance your homes best features rather than distract.</p> Wed, 06 Dec 2017 14:00:00 -0500 7 Advantages About Buying a House In The Fall https://www.hansbrings.com/blog/posts/2017/11/28/7-advantages-about-buying-a-house-in-the-fall/ <p>Most Realtors and home owners know that the most popular time to <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">purchase a new home</a> is in the spring and summer time. In recent years, more homes are being bought during the fall season. Aside from beating the heat and scheduling showings between your busy spring schedule, here are seven advantages on why you should consider a fall real estate purchase.</p> <p><strong><u>Less Competition</u></strong></p> <p>Competition for homes in Waltham, MA decline in the fall season as many people believe this to be the off-season in real estate. However, there are still homes on the market. These homes are usually re-positioned&nbsp;old homes that did not <a href="https://www.hansbrings.com/sellers/selling-your-home/">sell</a> during the prime season or new homes being added. This puts you in great position to add start looking for homes to buy as you will be one of the few looking to purchase a home. A great opportunity to get a great deal!</p> <p><strong><u>Sellers Are Worn-Out</u></strong></p> <p>Everyone has a dream price for their homes, and they usually try to shoot for this as a closing price during the busy season in real estate. The truth of the matter is that, a home&rsquo;s true value is much different than what the owner thought they could receive. If they failed in the prime season, then they are more likely to make a deal and lower their price during the fall. With less competition and sellers eager to make a sale, they are also willing to consider lower offers than they originally hoped. Get your check books ready to make an offer!</p> <p><strong><u>Sellers Are Serious</u></strong></p> <p>Not all fall listings are leftovers from the spring. Some people feel that the timing in the fall is perfect for them. They are looking to make the sale this season and as quick as possible, and they are willing to negotiate prices. If you see a home on the market during the fall season, keep in mind that these sellers are serious about getting their home off the market.</p> <p><strong><u>Tax Breaks</u></strong></p> <p>Paying income tax is inevitable, but you can make a dent in what is owed when you become a homeowner. Any payments that are made prior to the closing of a loan are tax-deductible, which could make a big difference in the amount you own to the government. For instance, property tax and mortgage interest are both items you can deduct.</p> <p><strong><u>Fall is Safer</u></strong></p> <p>Just like with real estate, burglaries have a prime season and it is during the months of July and August. If you are thinking of buying your home in the fall, you can rest assure there will not be any disturbances to the homes on the market. Finally, a good reason to have cold weather.</p> <p><strong><u>You&rsquo;re the Center of Attention</u></strong></p> <p>When it comes to any facet of the moving or&nbsp;real estate industry, the busy time is in the spring and summer. While this may be a popular time to look for homes, you may experience delays in response by your <a href="https://www.hansbrings.com/realestate/agent/hans-brings/">Realtor</a> or service provider. With it being the peak&nbsp;season they are going to be a lot busier to give you the attention you want. With fall being&nbsp;considered the off-season, you will have a much higher response and attention rate with your Realtor. Leading you to get in contact with sellers quickly and make the purchase.</p> <p><strong><u>Take Advantage of End-Of-Year Sales</u></strong></p> <p>After buying a home, you are going to want to add your own style as well as make improvements. If certain appliances were not part of the deal, then you will need to get items to maintain your home. If you buy your home in the fall time, then you can take advantage of all the end-of-year sales for the items you need. For example, September is a great time to buy carpet or paint, October means lawn mowers are on sale and cookware is cheaper in November.</p> Tue, 28 Nov 2017 14:00:00 -0500 9 Steps to Selling Your Home Quickly https://www.hansbrings.com/blog/posts/2017/11/21/9-steps-to-selling-your-home-quickly/ <p>Whether you are <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buying</a> or selling your home in Waltham, putting your home on the market can get stressful. Making sure your home is presentable always and being able to leave the home for a showing at a moment&rsquo;s notice can get overwhelming. This especially goes for those with pets and owners with families. The most important thing to remember is that potential buyers will be most interested in your home in the first few weeks on the market. If you are looking to <a href="https://www.hansbrings.com/sellers/selling-your-home/">sell</a>, and sell quickly, you will need to have a home that shows well, is marketed well, and is priced correctly. Here are nine tips you can implement to get your house off the market as fast as possible.</p> <p><strong><u>Get a Storage Unit</u></strong></p> <p>When it comes to clutter in the home, the first thought is to shove everything into your closets. This is a bad idea not only because you aren&rsquo;t really fixing the problem, but that this act is something to avoid when you have your home on the market. Any potential buyer that takes a tour of your home during a showing will look at the storage spaces available. It will not be a good look on your home if the closets are overfilled with unused items that were pushed away for the showing. Instead, consider renting a storage unit place unwanted items during the showing period. That way you will have a nice and clean home for potential buyers to examine.</p> <p><strong><u>Hire a Professional Photographer</u></strong></p> <p>When it comes to making impressions both in and out of real estate, the first impression is the most important. For real estate, the photos on your listing will give off this impression for buyers looking for a home. If you have a lot of good quality photos, you are already ahead of your competition when it comes to seeking out buyers. For this, hire a professional to stage your home for the photoshoot to attract all home seekers on the market. They will highlight your home&rsquo;s strengths and highlight the beauty. This &ldquo;professional&rdquo; can even be a friend just giving you an outside perspective along with tips to improve your homes appearance for a photo. Either way, you should consider staging your home for great photos.</p> <p><strong><u>Find the Right Agent</u></strong></p> <p>Like with anything in life where you need assistance, you want to make sure that you hire the right person for the job. This is especially true for selling your home in Waltham, MA as you want to have the right agent. Research the Waltham Realtors you are considering to see if they promote their properties online and or on social media, and if they have a record of accomplishment that shows you they can sell your home fast. You will also want to make sure your agent is familiar with the neighborhood the house is in and can look&nbsp;into your home and know exactly what will and will not work for showings.</p> <p><strong><u>Promote It Yourself</u></strong></p> <p>If you want to sell fast, you will have to assist in the process. Do not leave it all on your agent to market your home. Accelerate the process faster by posting about your home on social media and sending the listing page to friends and families. You never know who is looking for a home or if they are looking in your area.</p> <p><strong><u>Remove Personalized Items</u></strong></p> <p>It is hard to sell a home to a potential buyer if all they can see are photos of your family. By removing some personal photos and items you are allowing the buyer touring the home to visualize their family and their personal items inside the home. In addition, removing some personal items will allow them to focus on the homes highlighted features. This also goes for artwork, as artwork you have picked out over the years can distract buyers from the house itself.</p> <p><strong><u>Make Small Upgrades</u></strong></p> <p>When it comes to selling a home, a lot of people think they need to make huge renovations to impress buyers. However, you will get a bigger return on investment by focusing on smaller upgrades such as kitchen or bathroom enhancements. Although curtains, cabinet hardware and light fixtures are inexpensive, they will have a big impact during a showing. Think of the adage: &ldquo;Less is more.&rdquo;</p> <p><strong><u>Let in The Light</u></strong></p> <p>It is not shocking that a poorly lit home comes off as damp and depressing. This is something you do not want buyers thinking during a showing of your home in Waltham, MA. Brighten up the home by letting in the natural light and turning on the lights before you leave for the day. That way the agent and buyers can enter a home fully light and ready to be shown around. Before a showing, a good cleaning can help brighten up the home by showing cleaner areas such as baseboards, light fixtures, and windows.</p> <p><strong><u>Curb Appeal</u></strong></p> <p>As we mentioned before about first impressions, adding curb appeal to your home is extremely important when it comes to selling your house in Waltham, MA. If your home does not look good on the outside, then buyers will not even consider looking at interior photos. Clean up your yard by cutting the grass, trimming hedges, washing your house or driveway, or even add a fresh coat of paint. When it comes to presentation, it is beneficial to tidy up smaller exterior spaces such as cleaning the door mat, adding flowers, etc.</p> <p><strong><u>Sell at Right Time</u></strong></p> <p>Spring and summer are typically the best time to sell your Waltham, MA home as this is when buyers and sellers are most active. The only downside to this time of year is that there will be a lot of competition for buyers to choose from, which is why it is important to keep your home in the best condition possible. Another factor to consider is the pricing of your home and how it needs to be priced correctly. Your home is usually never the amount you dream of it to be so make sure to listen to your agent when it comes to calculating your home&rsquo;s value.</p> Tue, 21 Nov 2017 20:11:49 -0500 Is a Contingency Right for You? https://www.hansbrings.com/blog/posts/2017/11/15/is-a-contingency-right-for-you/ <center> <p style="text-align: left;"><img alt="" src="https://s3.amazonaws.com/files.usmre.com/5872/blog/hansblog.jpg" style="width: 500px; height: 332px;" class="featured"></p> <p style="text-align: left;">When you are ready to make an offer on a new home in Waltham, a good <a href="https://www.hansbrings.com/realestate/agent/hans-brings/">Realtor</a> will help you with one that lies within your budget but will still be attractive to the seller. Most buyers only consider a proposal in purely financial terms; it&rsquo;s just &lsquo;offer vs asking price&rsquo;. However,&nbsp;there may be other factors that you should consider as you want to craft a comprehensive offer that protects all your interests beyond just the price. In real estate, these are called contingencies.</p> </center> <h2>What Is a Contingency?</h2> <p>Simply put; a contingency is a requirement or condition that must be met if a sale is to successfully close. If a contingency is not satisfied, it may put the sale in jeopardy and send both the buyer and seller back to the negotiating table. Contingencies are a vehicle to protect the buyer to ensure that their interests are fully represented at closing.</p> <p>There are a variety of contingencies available to Waltham&nbsp;<a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buyers</a>. However, these two are probably the most widely used. The mortgage contingency protects you and your ability to secure financing prior to closing on a loan. With a mortgage contingency in place, if you are unable to secure a&nbsp;<a href="https://www.hansbrings.com/blog/posts/2017/09/27/top-10-home-loan-tips/">loan</a>, the transaction would be voided and your deposit would be refunded to you. A <a href="https://www.hansbrings.com/blog/posts/2016/12/28/how-to-prepare-for-a-home-inspection/"> home inspection</a> contingency protects you in the event that your home inspection reveals that structural or mechanical exist in the home you are buying. With an inspection contingency in place, you would have the ability to again void the transaction and have your deposit returned, or attempt to negotiate the repair or a reimbursement towards the defects that were found. The buyer may also ask that this contingency extends to features outside the dwelling such as swimming pools, septic systems, pests etc.</p> <p>When determining if one or more contingencies may be right for your particular situation, your Waltham&nbsp;Realtor will be your best resource. They can advise you on which contingencies to include and will ensure that the proper details are included in your real estate contract.</p> <h3>Should I Bother Looking At Homes That Have A&nbsp;Contingency Offer?</h3> <p>While it may be closer to being sold, there is a chance the contingency may not be met, and the home may return to the market. It is best to let your Realtor know that you are interested, so that they may jump on it if the sale does fall through.</p> <p>If you have additional questions about how contingencies work &ndash; and which contingencies best protect you as a buyer &ndash; speak to your Waltham&nbsp;Realtor. They have the experience and expertise to help you put together an offer that protects your interests and will appeal to the <a href="https://www.hansbrings.com/sellers/selling-your-home/">seller</a>.</p> Wed, 15 Nov 2017 16:11:04 -0500 Tips for Selling Your House in Waltham, MA This Fall https://www.hansbrings.com/blog/posts/2017/10/05/tips-for-selling-your-house-in-waltham-ma-this-fall/ <p>When we think of fall, we imagine warm orange tones, bright yellows and gold, and the vibrant reds. The air is cooler and crisp. We can shut off the air-conditioners, open the windows and let the cooler breeze freshen every room in the house.</p> <p>This is also a time when people are out and about, taking walks or long drives, and more likely to stop in and take a peek when they see an Open House sign. It&rsquo;s also the historic &ldquo;Fall Market,&rdquo; a time when people <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buying</a> and <a href="https://www.hansbrings.com/sellers/selling-your-home/">selling</a> their home in Waltham, MA see a peak of activity, and many in the <a href="https://www.hansbrings.com/market-analysis/">housing market</a> make the decision to move.</p> <p>While fall is a great time sell your house, there are few points to remember to help you take advantage of this great timing:</p> <ul><li>Don&rsquo;t wait - you must act quickly, as once snow hits the ground, your odds of gaining top dollar for your home may decrease.</li> <li>This advice also goes for how long your home sits on the market. The longer it sits, the lower the price it may command.</li> <li>If you can&rsquo;t compete with the existing inventory in style, you must compete with price.</li> <li>It is crucial that you find the right Realtor in Waltham, MA to not only command the best price but to also guide you through the process, negotiate effectively and ultimately get the home sold quickly.</li> <li>It is no surprise that the competition is fierce. A great <a href="https://www.hansbrings.com/realestate/agent/hans-brings/">Waltham Realtor</a> will market your house effectively to ensure it outpaces the competition.</li> <li>Curb appeal is vital to ensuring your house is ready to sell. Your property should have a well-maintained appearance. Bushes and shrubs should be neatly trimmed, walkways swept and cleared, and leaves and debris removed. Windows should be cleaned inside and out. Remember, first impressions are everything!</li> </ul><p>Fall is one of the most competitive markets by far, but if you have a great <a href="https://www.hansbrings.com">Waltham Realtor</a>, it&rsquo;s their job to make your home the most appealing and to ensure the competitive advantage works in your favor, no matter what the season.</p> Thu, 05 Oct 2017 15:10:23 -0400 Top 10 Home Loan Tips https://www.hansbrings.com/blog/posts/2017/09/27/top-10-home-loan-tips/ <p><a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">Buying a home</a> can both be a very fun and very stressful experience. The markets are always changing as well as the prices and beating out the competition can be tough. One of the major steps home buyers need to do and most likely consider is taking out a home loan. Picking the right loan can be just as important as finding the perfect home. Here are some ten tips to help make finding the right loan as simple as possible.</p> <h2><b>Save For a Down Payment</b></h2> <p>When it comes to the down payment of a house as you look for a home in Waltham, MA it can range from two percent to 20 percent. Establishing a monthly budget can help you save for it as you can allocate a certain amount of money for a down payment. Once you have figured out what your budget will be, you can start having money automatically deposited to a savings account from your bank account. In addition, you can have a portion of your check from your job be automatically put in your savings account.</p> <h2><b>Check Your Credit Score</b></h2> <p>Having a good credit score is something you will want to have in general in addition to when you are looking for a home to buy in Waltham, MA. With good credit, you put yourself in line to attract the best deal on a home loan. Make sure you have a copy of your credit report before your start the buying process. This report will show you what your credit looks like to lenders which they will consider when giving you that home loan.</p> <h2><b>Get Important Documents in Order</b></h2> <p>When applying for a mortgage, you will need to provide lenders with different financial documents to get it. Some of the documents you should consider getting together are your last two pay stubs, your most recent W-2, last two years of tax returns, and a current bank and brokerage statement. If you have these documents in order and at the ready then you will make the loan application process go by more quickly and smoothly, which is always a bonus.</p> <h2><b>Use a Mortgage Calculator</b></h2> <p>When it comes to buying a home in Waltham, MA buyers can get overwhelmed with all of the beautiful options they have at the ready. What many forget to do is calculate how much home they can afford. This is where the mortgage calculator comes in handy as they can show you how much your monthly mortgage payout would be under that specific price. It will also calculate your monthly payment while considering the down payment and interest rates that are applied to that home.&nbsp; &nbsp; &nbsp;&nbsp;</p> <h2><b>Compare Offers</b></h2> <p>Mortgages will be different depending on the selling price of a home. If different loans you are looking at have the same interest rate, you should look at the points and fees as they can differ and make one offer more expensive than another. Be sure to know all the components that go into determining the price of your mortgage. That way you can accurately compare the different offers being made so you can make the right financial choice.</p> <h3><b>Track Interest Rates</b></h3> <p>In the real estate industry, the one thing to keep an eye on are interest rates as they tend to fluctuate. It is one of the biggest factors in determining the cost of your mortgage month to month. These rates change almost daily so it is helpful to get a head of the curve and know what you are going to be getting yourself into as well as getting the best price of a home.</p> <h3><b>Get Pre-Approved</b></h3> <p>Some Waltham Realtors will want you to be pre-approved before they start working with you to find your dream home. The process to get pre-approved is simple as you are only required to provide information such as income, amount of savings, and investments if you have any. Being pre-approved gives you a sense of how much you can borrow from the bank as well as sets the price range of homes you can afford.</p> <h3><b>Understand Loan Options</b></h3> <p>When it comes to loans in the real estate world, there are many different types of loans that will cater to different people. Just because your parent has a 30-year fixed-rate loan does not mean that this loan is right for you. You will need to research the different types of loans, fixed-rate, and adjustable-rate loan, to see which is more appropriate for your own financial situation.</p> <h3><b>Be Prompt in Responding to Your Lender</b></h3> <p>Once you have applied for a home loan, it is crucial that you respond promptly to any requests for additional information. Once you receive the request, gather the required information, and get it to your lender as quick as possible. Waiting too long can cause a delay in the closing of your loan which will push back your entire home buying process.</p> <h3><b>Be Mindful of Your Credit During the Loan Process</b></h3> <h3>If a lender has noticed a change in your credit score then they may pull your credit report a second time before your loan closes. Make sure you do not do anything that could lower your score while the loan is being processed. The worst feeling is preparing to accept a loan only to be denied because of your credit score fluctuation. Be sure to pay your bills, don&rsquo;t apply for any new credit cards, and don&rsquo;t take out any other loans until your home loan is completed.</h3> Wed, 27 Sep 2017 13:00:00 -0400 8 Tips on Adding Curb Appeal to Your Home https://www.hansbrings.com/blog/posts/2017/09/25/8-tips-on-adding-curb-appeal-to-your-home/ <p>When it comes to selling your Waltham home on the <a href="https://www.hansbrings.com/market-analysis/">real estate market</a>, there are some factors you need to consider if you want to sell your home quickly. One of the major patterns <a href="https://www.hansbrings.com/realestate/agent/hans-brings/">Realtors in Waltham, MA</a> have noticed is that homes with high curb appeal tend to sell faster than other homes. Not only will curb appeal help sell your home more quickly it can also add thousands of dollars to its overall value. Here are eight ways you can boost your curb appeal to attract home buyers you are looking for!</p> <h2><strong>Wash Your Home</strong></h2> <p><a href="https://www.hansbrings.com/realestate/agent/hans-brings/">Waltham Realtors</a> have seen that washing your home before <a href="https://www.hansbrings.com/sellers/selling-your-home/">selling</a> can add to the sale prices of some homes. That is an easy way to make money! Whether you opt to wash with soap and a brush or a power washer, it is good to get rid of dirt, mildew, and dust from your home. With a power washer, you can get a deeper clean that can reveal the true color of your walkways.</p> <p>Be sure to wash your windows inside and out, get rid of spider webs, hose down downspouts, and be sure to clean the garage door as well. Have a clean mint looking home will add tremendous value to your home as well as give it a higher chance to sell.</p> <h2><strong>Fresh Paint</strong></h2> <p><a href="https://www.hansbrings.com/our-agents/">Real estate agents</a> will always tell sellers that having a fresh paint job on their home in Waltham, MA will be beneficial as you wait for a bite in the market. Having a faded paint color or chipped paint at different points in your home can decrease the value in your home. Always go with the same color your house is currently showing as it will be cheaper and easier to touch up spots rather than changing the whole color. Buyers will instantly notice the fresh paint job and appraisers will value the effort.</p> <h2><strong>Check the Roof</strong></h2> <p>When it comes to appraising a home for sale in Waltham, MA appraisers will first look at the condition of your roof. If they find missing, curled, or faded shingles then the value of your home may decrease. If your roof has no shingles missing you should consider cleaning your roof as it will look better without the dirt, moss, and algae on it.</p> <h2><strong>Clean the Yard</strong></h2> <p>One of the things sellers tend to do is make sure their front yard looks great but forget about the backyard. When selling a house in Waltham, MA you will want to make sure you make both of your yard look pristine when it comes time for the open houses. Replace overgrown bushes with leafy plants and colorful annuals. Surround your bushes with dark reddish-brown bark mulch which gives off a rich feel to your yard. Be sure to give your lawn the nutrients its needs to give off that bright green look. If you have kids, make sure all the toys are cleaned up from the yard so <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buyers</a> can envision their own layout of the yard when they come to look at the house.</p> <h2><strong>Add Color to Your Home</strong></h2> <p>Nothing stands out more than a bright flowerbed in a garden to add value to a home when it is on the market to be sold. Plant some bright tulips or a flowerbed of pansies to really show contrast between your home and garden. You can also paint your front door either red or blue as these colors will stand out to potential buyers. As these changes won&rsquo;t add value to the home, it is a great way to add curb appeal.</p> <h2><strong>Glam Your Mailbox</strong></h2> <p>Another way to make your home stand out from the rest in your neighborhood and the real estate market in Waltham is by having an upscale mailbox, architectural house numbers, and address plaques. You can find any of these items at a local hardware or home improvement store and run relatively cheap.</p> <h2><strong>Fence Yourself In</strong></h2> <p>If your property lacks a fence or has a rundown fence then it is time to consider adding a new fence to your home before the open houses start. Have a clean looking picket fence is a great asset to have as it will <a href="https://www.hansbrings.com/home-worth/">add value</a> to your home as well as looking nice compared to other homes in the neighborhood. This is something to considered heavily if your home is in a family-oriented neighborhood. If you have a fence make sure that it is clean and has any deformities replaced.</p> <h2><strong>Maintenance Is Key</strong></h2> <p>Overall maintenance to your home is a must do when you are selling your home. As nothing looks worse from the curb than&nbsp;hanging gutters, missing bricks, hanging shingles, or peeling paint. Not only will these issues damage your home but they can decrease the value by at least 10%. Below are a few chores to do that will help your house look amazing from the curb side.</p> <ul><li>Refasten sagging gutters.</li> <li>Repoint bricks.</li> <li>Reseal cracked asphalt.</li> <li>Straighten or replace shutters.</li> <li>Replace cracked windows as well as clean them.</li> </ul> Mon, 25 Sep 2017 21:08:16 -0400