Memorial Day

memorial day

 

 

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

Memorial Day

Survival Skills

Here are some useful tips to help homeowners fix common household issues.

shutterstock_110832491

Fix a leaky faucet
Usually due to a bad washer or cartridge in the handle.  Turn off the water supply (under the sink), and cover the drain so no small parts can go down it.  Pop the cover on the handles, remove the screw, and the handle.  Disassemble the stem next, using a wrench and lining up the parts in order so you will know how to put it back together.  Remove and replace the damaged or cracked parts and reassemble the stem and handles.

keylock


Open a seized dead bolt
Spray some WD-40 into the keyhole to lubricate the mechanism. Prevent it from seizing by spraying once a year with Teflon spray.

Stop an overflowing toilet
The float inside the tank drops when the toilet is flushed and water from the tanks moves into the bowl.  It then rises as the bowl and tank are re-filled.  To prevent more spillage when the bowl is brimming over, lift the lid on the tank, grab the float and lift it to close the valve.  While holding the float, turn off the toilet’s water supply.  Now it’s clean up time!

Pick an interior lock
Toddler locked in the bedroom?  Look for a small hole on the knob or the plate around it.  Take a slim piece of metal (screwdriver for eyeglasses, ice pick, metal skewer) and slip it into the hole to compress the spring inside.  In some cases, you will need the flathead screwdriver to insert into a slot on the spring and turn it.  Either way, you’ll disengage the lock and set your little one free!

Use a fire extinguisher (remember PASS)fire
P – Pull the Pin

A – Aim nozzle at the base of flames

S – Squeeze the trigger

S – Sweep the spray from side to side

Work calmly but quickly!! (most extinguishers have 8 seconds of life)  Call 911 and let the pros confirm that the fire is really out.

 

 Prune a hedgehedge
Trimming a shrub from the top only will make it too bushy and will prevent the sun from reaching interior branches and roots.  Pruning from the interior out will help bring it back to health.  Pull back outer branches so you can reach the interior to clip away dead branches.  Cut back tall shoots where they join the branch rather than snipping the end.  Use this method to prune about 1/3 of the bush for 3 years and your bush will thrive!

 

Unclog a sink
Skip the liquid drain cleaner and remove manually.  Remove the stopper and block off any overflow holes.  With water in the sink, use a flat-faced plunger to plunge the drain and remove clog.  If it doesn’t move, use a wrench to remove the U-shaped trap under the sink and look for the clog there.  If the clog is deeper, rent a hand-snake to reach it.  Slowly feed the coil into the drain, when you get to the clog carefully, twist, pull and push the coil to dislodge the clog. 

 

Unstick a door
Excess humidity in summer can cause a wooden door to swell and stick.  A gap of 1/8” to 3/16” between the door and jamb is recommended to accommodate seasonal changes.  Note where the door sticks and use a bench plane to shave off the high spots.  Round over any sharp edges with sandpaper and paint the exposed wood.  Allow to dry completely before closing the door.

 

Bypass garage door opener if your power  is out
Pull the red cord that dangles from the ceiling-mounted operator to disengage the electric chain drive.  Then you can slide the door open manually.  Be careful, a full-size garage door can be very heavy! 

 

Remove the base of a broken lightbulb
Unplug the lamp or turn off the fixture.  Cut a potato (russets are best) in half and gently press it onto the jagged glass.  Turn slowly to remove the base.

 

 

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

Survival Skills

Mortgage Approval and Student Loans

Are you looking to purchase your first home – either in the next month or year, but feel that your student loan payments are holding you back? Don’t get discouraged and push the dream of owning your first home aside. It is possible for you to be approved for a mortgage while you are still paying off your student loans; you just need to manage your debt-to-income ratio and overall credit score. Make sure you keep these main things in mind before you begin the homebuying process.

shutterstock_250895632

DEBT-TO-INCOME RATIO (DTI)
A mortgage lender will calculate your debt-to-income ratio. This ratio will determine your ability to make monthly payments on your future mortgage. Your debt-to-income ratio is calculated by adding up all of your monthly debt payments, including your expected mortgage amount and then divided that by your gross monthly income (earnings before tax and other deductions).  The maximum acceptable DTI is roughly 43%. However special government programs and lenders might approve borrowers with higher DTI ratios depending on certain criteria.

 

REFINANCE OR CONSOLIDATE YOUR STUDENT LOANS
If you have the ability to pay off your student loans, pay them off as quickly as possible by reducing other monthly expenses and paying more than the minimum amount.

However, depending on your loan situation, you might be able to refinance or consolidate into a longer repayment term for lower monthly payments. Or you could enroll Federal Loans into other repayment programs better suited for your financial situation, which could improve your DTI ratio as well.

 

CREDIT SCORE
Your student loans play a major part in determining your credit score, which factors into the approval of your future mortgage. Paying your monthly student loans and other bills on time each month is a great way to build good credit.

Your credit score not only helps lenders evaluate whether your future mortgage loan should be approved but also the mortgage’s interest rate. If you have a high credit score, you are eligible for lower interest rates and a variety of loan options. On the other hand, those with unfavorable credit are faced with higher interest rates and less loan options and possibly denial of a mortgage request.

However avoid quick fixes. Don’t close existing credit cards just because you are not using them at the time. Also do not pay off all your credit cards at once (unless you do this every month). Don’t drastically change the way you handle your credit. Such changes can be viewed as a quick fix and negatively affect your credit score. Therefore, if you plan on purchasing a home in the next few months, pay your bills in a timely manner/as you normally do, don’t close any credit cards, avoid opening new credit cards, and avoid making other large purchase.

To obtain your credit score, you can request a FREE Annual Credit Report here.

Other options to consider include bringing in a co-signer on your home loan or finding a way to make a bigger down payment to reduce the amount of money you need to borrow to finance your home.

MORTGAGEmormaster

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

Mortgage Approval and Student Loans

7 Ways to Boost Your House’s Value

Renovating your home is exciting but it does come with a few surprises and overlooked expenses. Berkshire Hathaway HomeServices Homesale Realty wants to give you the opportunity to complete your dream renovation, CLICK HERE to find out more information on the BHHS $50,000 HGTV Fixer Upper Sweepstakes. You have until June 15th to enter. In the meantime, here are some ideas on how to increase the value of your home!

May IOV ECard

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

7 Ways to Boost Your House’s Value

6 TIPS FOR YOUR NEXT YARD SALE

shutterstock_217692802

 

Yard sale season is right around the corner and is a great time for you to make some extra money off of items you no longer wish to keep.  If your neighborhood is hosting a yard sale or you are having one by yourself, here are 6 tips for a successful yard sale.


Advertise

If you are hosting a yard sale on your own, make sure you create simple signs with large arrows pointing towards your home. Directing people to your house is better than posting your address and hoping they know how to get there. If your neighborhood is hosting a yard sale, there will most likely already be advertising, so another great way to spread the word of your specific yard sale is to use the power of social media. Post about the event on your personal Facebook page and/or other local social media outlets.

Take Time to Prep

Make sure you stay organized to reduce any stress you may have in the morning since yard sales tend to start at the crack of dawn. Prep the night before by setting up as much as you can in the garage. Sort items in boxes by categories along with any supplies you’ll need; price stickers, tags, cash box.

Have Change

A lot of people don’t think about having singles or change before the yard sale. You don’t want to have to turn down customers if you can’t give them change for their twenty dollar bill. At the very minimum, break down $50 into one and five dollar bills, maybe even some quarters.

Enlist Help

Trying to run a yard sale by yourself can be hectic, especially if you have a large amount of merchandise and a lot of people show up. It would be difficult to talk to one customer while collecting money from several others. Invite a few friends to sell their stuff as well, this way you will have an extra set of hands in case it gets busy or you need to take a quick break.

Pricing

Price EVERYTHING. Make it simple for customers by clearly writing prices and putting up signs such as “All t-shirts are $1.00.” Designate the last 1-3 hours to sell everything ½ off. Think of it this way, would you rather sell for half price and have cash in your hand or have the same unwanted items with no extra money?

Extra Cash

A creative way to make a few extra dollars is to draw customers to your yard by setting up a drink or food stand. For drinks you could sell coffee, hot chocolate, bottled water, fruit juice, etc…. You could also sell food items such as donuts, breakfast goods, baked goods, popcorn and popsicles.

Click here to download these 6 TIPS! 

 

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

6 TIPS FOR YOUR NEXT YARD SALE

BHHS HOMESALE REALTY 2014 Q4 AWARDS

Each quarter BHHS compiles a list of the top real estate offices throughout the country, ranking them based on their size and location. We are proud to announce that Homesale has offices that have ranked in the top 3 for their respected category for Q4 2014. Congratulations!

AWARDS

BHHS Homesale Realty – North Pointe 003

Office Awards:

  • Top 3 Offices by Region based on Office Size – 2nd Place in Award – ‘Top 3 Offices with a minimum of 76 Sales Professionals in U.S. Northeast for Residential Units’

Sales Professional and Team Awards:
The Craig Hartranft Team

  • Top 3 Agents or Teams within each state – 2nd Place in Pennsylvania for Residential Units

————————————————————

BHHS Homesale Realty – Carlisle 012

Office Awards:

  • Top 3 Offices by Region based on Office Size – 1st Place in Award – ‘Top 3 Offices with a minimum of 21 Sales Professionals and a maximum of 40 Sales Professionals in U.S. Northeast for Residential Units’
  • Top 3 Offices by Region based on Office Size – 3rd Place in Award – ‘Top 3 Offices with a minimum of 21 Sales Professionals and a maximum of 40 Sales Professionals in U.S. Northeast for Total GCI’

 

————————————————————

BHHS Homesale Realty – East York 014

Sales Professional and Team Awards:
Carr / Cleaver / Flinchbaugh Team

  • Top 3 Agents or Teams within each state – 3rd Place in Pennsylvania for Residential Units

————————————————————

BHHS Homesale Realty – West York 015

Office Awards:

  • Top 3 Offices by Region based on Office Size – 2nd Place in Award – ‘Top 3 Offices with a minimum of 41 Sales Professionals and a maximum of 75 Sales Professionals in U.S. Northeast for Residential Units’

————————————————————

BHHS Homesale Realty – Wyomissing 021

Office Awards:

  • Top 3 Offices by Region based on Office Size – 3rd Place in Award – ‘Top 3 Offices with a minimum of 76 Sales Professionals in U.S. Northeast for Residential Units’

————————————————————

BHHS Homesale Realty – Clarkview 034

Office Awards:

  • Top 3 Offices by Region based on Office Size – 3rd Place in Award – ‘Top 3 Offices with a minimum of 76 Sales Professionals in U.S. South for Total GCI’
  • Top 3 Offices by Region based on Office Size – 2nd Place in Award – ‘Top3 Offices with a minimum of 76 Sales Professionals in U.S. South for Residential Units’

————————————————————

BHHS Homesale Realty – Cinema Drive 037

Office Awards:

  • Top 3 Offices by Region based on Office Size – 2nd Place in Award – ‘Top 3 Offices with a minimum of 21 Sales Professionals and a maximum of 40 Sales Professionals in U.S. Northeast for Residential Units’

————————————————————

BHHS HOMESALE REALTY 2014 Q4 AWARDS

Reel in the Buyers

Make the most of the season by trying these fresh updates to entice prospective buyers.

shutterstock_243991798

Spring Cleaning
During the transition from winter to spring it is natural to want to clean. A glistening interior will impress buyers and allow them to envision living in your house.

Shape Up the Yard
Selling in the spring means you need to whip your yard into shape as soon as possible. Get rid of winter yard debris and use frost-resistant plants that won’t be affected during some of the chillier nights. Maintaining a clean and colorful yard will add curb-appeal to your home.

Put away your winter clothes
Keeping winter clothes in your closet will take up a great deal of space, which can make your closet area look smaller. So put your winter clothes in storage and impress buyers with all the open space.

Brighten up the entryway
It is time to swap out your winter welcome mat to a clean, appealing one. Adding a few decorative items to your front entry/porch will help set the tone for upcoming showings.

Bring the outdoor scents inside
Spring is an extremely aromatic season, so bring the clean flowery smells inside your home. Studies have shown that mood is affected by scent, so adding candles and freshly cut flowers into your home can positively change the overall feeling inside your home.

 

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

Reel in the Buyers