5 REMINDERS FOR HOMEOWNERS

March IOV Flier

AskHomesale.com provides real estate advise 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 1,000 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 York, LancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

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

5 REMINDERS FOR HOMEOWNERS

Repairing Your Credit Score

If you are applying for a mortgage, loan, or credit card, your credit score will play a key part in determining if you will be accepted or not.

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[Info-graphic provided by Cashnetusa.com]

Find out more about a mortgage quote from one of many programs so that your mortgage is custimized to fit your needs. Our knowledgeable mortgage consultants will work with you every step of the way to navigate today’s mortgage environment and get you to the closing table.

Maryland Mortgage Lenders

Pennsylvania Mortgage Lenders

Repairing Your Credit Score

FLOOR WARS

If you’re wavering between installing new wood floors or new carpeting in your home, it may seem like a simple decision based on cost, but that is not the case. When choosing flooring for residential homes, it is important to consider design, comfort, price and sustainability. Keep in mind that whichever new flooring you choose will look great when it’s first installed, but even a few weeks of use can require enough sweeping, vacuuming and polishing to make you reconsider your choice.

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Here are some things to consider when choosing flooring: wood versus carpet:

Advantages of Carpet:

  • Cushions slips and falls
  • Reduces noise throughout the house
  • Natural insulator – providing warmth during the winter season
  • Holds onto allergens and keeps them out of the air (vacuuming frequently will remove them)
  • Should last about 10 years
  • Faster and cheaper to install

Disadvantages of Carpet: 

  • Collects dust very easily
  • Needs to be professionally cleaned with hot water extractor (1-2x a year)
  • First is more easily tracked onto carpets
  • Shows walking patterns where foot traffic is heaviest
  • Liquids can seep into the carpet quickly
  • Might be outdated

Advantages of Hardwood:

  • Does not collect as much dirt and allergens
  • Can be repaired if damaged – does not have to be entirely replaced
  • Simple and quick to clean
  • Spilled liquid is easy to wipe up
  • Can be easily professionally repaired
  • Resale value due to popularity
  • Warranty on the “finish” typically ranges from 25-30 years
  • Sustainable, renewable and natural material

Disadvantages of Hardwood:

  • Can be dented – may have to be completely replace board(s) if something heavy is dropped onto it
  • Easily scratched due to moving heavy object, furniture and pet nails
  • Needs to be cleaned more often than carpet because dust/spills/crumbs are more visible

 

Flooring is a big decision, some homeowners prefer the plushness of carpet beneath their feet, while others believe hardwood adds a touch of elegance to their home and that it remains that “new” look for decades. Although in the end, the decision is up to you.

 

AskHomesale.com provides real estate advise 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 25 offices with over 1,000 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

FLOOR WARS

Being a Good Neighbor

Ask yourself, ”Am I a good neighbor”?

finalpostGood neighbors are important.  Living in a neighborhood where you feel safe and connected can impact your level of happiness and even reduce stress.  You may not be able to change your neighborhood, but you can certainly change the experience you have in your neighborhood by getting out and getting involved.

Here are a few qualities of a good neighbor:

Good neighbors are respectful
Always be conscientious about noises that may disturb your neighbors, such as music, loud talking, barking dogs.  End parties at a reasonable hour, while you are at it, invite your neighbors.  Always return anything you borrow in the same condition, in a timely manner, and express your gratitude when you do so.  Make time to smile and say hello.  Never forget, while neighbors may live close, they are also respectful of each other’s privacy.

Good neighbors are proud
Be considerate of those around you.  Take pride in maintaining your home so that it is neat and attractive.  Mow your lawn regularly and keep your landscape trimmed and neat.  Coming home to a beautiful house and neighborhood is rewarding.

Good neighbors are helpful
Offer to collect mail, water plants, or watch pets while a neighbor is away on a trip.  When snow falls, help elderly neighbors by shoveling their driveway or sidewalks.  Prepare a meal when a neighbor is under the weather or run errands while their car is in the repair shop.  You never know when you will need one of them to return the favor for you.

Good neighbors are supportive
Organizing neighborhood parties, yard sales, or other functions is a good way to get to know each other better and a great way to build a stronger community.  Neighbors who know each other personally are more likely to look out for and help each other.  Neighborhood Watch groups are another way to help and support your neighbors.  They deter crime and violence, making your neighborhood a safer, happier place to live.

Good neighbors are social
Get to know your neighbors.  Welcome new neighbors with a note or a friendly chat.  Invite neighbors over for coffee to visit and share good news.  Learn from your neighbors who have different cultural backgrounds than you.  Everyone gets busy; it only takes a little bit of time to organize an annual holiday party and socialize with all your neighbors.

Getting to know the people around you takes only mere moments out of your day, but can provide a lifetime of pride in your home and the neighborhood.  It is nice knowing you can depend on those around you and they can depend on you.

“When strangers start acting like neighbors…communities are reinvigorated.” – Ralph Nader

Click here for some tips on meeting your neighbors.

Looking for a new home? Prudential Homesale’s new real estate search can help you find what you are looking for.

Being a Good Neighbor

Autumn Home Checklist

 Fall made its official arrival on Sunday, September 22nd. Although some days are still sunny and a bit warmer than usual,
don’t be fooled! Crisp, colder days are winter days lurking around the corner; NOW is the perfect time to prepare your
home for them!

Here is a checklist to help you get started….

Oct 2013 IOV - Ecard

A little time spent now can save you the hassle of dealing with bigger issues later! With falling leaves
and dwindling daylight hours. Take advantage of this final opportunity to get these task completed before
winter settles in!

Baltimore Homes for Sale  | Towson Homes for Sale | Lancaster Homes for Sale | York Homes for Sale

Autumn Home Checklist

Real Estate: Buy or Sell First?

buy-or-sellWhen it comes to home buying, the ideal situation would be to find a new home, just as you receive an offer on your existing home. You would then be able to close concurrently and move into your new home a few days prior to closing on your previous home. This does happen more often than not, but anyone looking to buy a new home needs to consider all the possible scenarios.

Should you buy or sell first? There are many schools of thought on this subject. Ultimately, it depends on you and your situation. For instance, can you afford to pay two mortgages in the event your previous home does not sell by the time you move? Would you consider a bridge loan (a short-term, high interest loan that let you borrow against the value of your old home to covers the bills until you secure the new, larger loan)? Are you willing to move twice to find the home of your dreams if you sell first and can’t find the dream home fast enough?

This is where the advice of a real estate sales professional is invaluable. Real estate sales professionals know the current market conditions. They are trained and experienced in working with home buyers and sellers to determine an ideal time to buy and sell.

It is generally less stressful to sell your home first, because you won’t have to worry about owning two homes at one time. The market will dictate how long it will take your home to sell, as will your location and the time of year. As a rule of thumb, it is a good idea to put your home of the market as far in advance as possible when purchasing a new one. But, since interest rates are low and confidence is returning to the market, there’s a good change your home will sell faster if priced properly. (Again, your real estate professional’s advice is critically important here.) In that case, you may want to purchase a new home first.

What if your present home sells before you find a new one, putting pressure on you to find the right house for you more quickly? You may then decide to make an interim move or request to rent back your home for a specified amount of time as you continue to look for your new home. Those may be worthwhile options if you have your heart set on a specific location or type of home or if you are purchasing a home that is under construction.

If you buy a home before selling your present home, you may end up with two mortgages. Under those circumstances, you may be able to apply for a bridge loan to assist you in making two mortgage payments until you sell your first home. Your real estate sales professional can assist you in finding a lender.

So should you buy or sell first? This is a challenging question regardless of real estate cycles, yet your own circumstances and a knowledgeable real estate professional will help you make the right decision.

 

AskHomesale.com Provides tips for Homeowners, Home buyers and Home Sellers

Real Estate: Buy or Sell First?

Avoiding Kindergarten Jitters

kidergartenThe first day of kindergarten can bring a few tears, especially for parents.  It may be hard to believe your child is growing up so fast. Try to keep your emotions under wraps and make sure your child feels excited and ready to begin this year of learning and fun experiences.

Is your child is ready and what can you do to help them?  Here are a few top recommendations…

kidergarten-crayonsGet to know the school – Drive by it often during the summer and take a tour.  This will help your child be more comfortable with the building.  Bring up school in conversations at home and talk about how much fun it can be.  As a parent, attend open houses and meet-the-teacher events.  It’s a great way to meet other parents and stay informed.

kidergarten-crayonsIndependence – Work with your child over the summer on making good choices.  Encourage them to pick healthy foods for lunch.  Many children this age are used to Mom making choices; this new freedom can be overwhelming.  Also find ways to teach them simple problem solving skills.  Make sure your child can go to the bathroom alone, use buttons and zippers, and maybe even learn to tie their shoes, if you think they are ready.  These activities/accomplishments are great confidence boosters!!

kidergarten-crayonsSchool bedtime routine – Begin a new routine about a month ahead.  Parents can scale back gradually each night.  8:00pm is a great time, but you’ll know best how much rest your child needs.  Stick to the routine.

kidergarten-crayonsWork on skills – Have your child practice writing their name and lower case letters.  Incorporate counting into as many daily activities as you can.  Count steps to the mailbox, napkins on the table, pieces of fruit, etc.  Make daily errands learning experiences, but don’t overdo it!

kidergarten-crayonsSchool Shopping – Make this a fun experience!  Most schools can provide a list of what is needed and what’s allowed.  Encourage your child to make choices about colors, types, etc.

kidergarten-crayonsVisit a library – Visit your local library and get a free library card.  Visit the library each week to borrow a new book.  Talk about the books you read.

kidergarten-crayonsStudy Spot – Find a quiet spot at home and stock it with crayons, paper, scissors, and other “tools”.  Set aside time daily to have your child “work” in their spot.  When school starts, this can be their place for doing homework.

kidergarten-crayonsSocial Skills – Schedule play dates for your child with their friends.  Expose them to various personalities and encourage sharing and cooperation.  Great classroom skills!

kidergarten-crayonsDo your homework – Make sure you have completed all necessary paperwork and that your child has the required immunizations, tests, etc. to start school.

Kindergarten readiness does not have to dominate the rest of your summer, but taking some time to prepare will certainly go a long way to guaranteeing a smoother transition!

These tips were provided by Prudential Homesale
According to the industry publication REAL Trends, Prudential Homesale is the 13th most successful Realtor nationwide in the combined delivery of home services:  real estate sales, mortgage closings, title closings, insurance sales, and home warranty sales.  Prudential Homesale is ranked the 4th most successful Prudential Real Estate franchise in the country in sales.  

Avoiding Kindergarten Jitters