While we appreciate one’s DIY initiative, finding a real estate agent is many times the first step in the home-buying process. And we’re not just saying that because we work with agents daily.

Any buyer who even contemplates going it alone does not fully appreciate the sheer amount of work that entails. Whether it’s lining up inspections, determining fair market value, negotiating with the other agent, or just navigating the mountains of paperwork, agents handle a great deal. And they do it every day.

Continue reading

FHA loans are not exclusively used for first-time homebuyers. FHA loans can be used to refinance your home. They can be used for repeat buyers, buying a second home or third home. And like with any loan, credit and your debt to income ratio and financial reserves all impact loan approvals. FHA loans have fewer restrictions than conventional loans and require much less cash to close. Simply use the right lending tool when buying a home. Ask us how.

House payments have a few parts referred to as your total housing obligation. There are three, and sometimes four factors to a monthly house payment. Your homeowners insurance, property taxes, and a mortgage insurance premium, sometimes referred to as a guarantee for VA loans, USDA loans or PMI, private mortgage insurance. Also, different neighborhoods have different property taxes. So qualifying for a mortgage is dependent on your ability to repay the loan. Your monthly payment varies based on a few factors, so not all homes priced at the same amount have the same monthly payment. Get educated. Be smart when buying a home. Ask us how.

As Ohio and pretty much all of the United States that aren’t California endure some truly chilly temps, keeping warm is the name of the game. The first solution is obvious: juice up the thermostat. But do you really want to pay that extra high utility bill?

Sometimes you just have to swallow your pride and layer up when the wind chill drops the mercury below zero degrees. Here are some ways you can keep warm during the most frigid temperatures without turning up the heat.

Continue reading

Realtors® Should Really Care About Instagram Stories

Key takeaways:

  • Instagram Stories are engaging and interactive
  • Streamline specific pictures and video directly to your followers
  • Pairing with a Facebook ad lets you target the viewers
  • The catch…Stories are live for 24 hours. So make them count!

I know what you’re thinking. “What the heck are Instagram Stories and why should I care?”

Great question. First, I’ll tell you what I know about them, and then I’ll explain why I think Instagram Stories can be a great tool for agents who are listing houses. Continue reading