5 Secrets to Getting Higher Offers on Your Home Though there are quite a number of ways to appeal to buyers, these are the five secrets you need to know to bring in the highest offers on your home for sale: Secret #1 to Getting Higher Offers on Your Home: Listen to Your REALTOR on Pricing When you tell a real estate agent that you’d like to sell your home, they’ll start crunching all the numbers. Your agent will look at homes that have recently sold (which is the reality), homes that are currently on the market (which can be the fantasy), and homes that were … Continue reading...
5 Ways to Spring Cleaning
It’s that time again! Spring has arrived and so has the need to freshen things up a bit. Whether you’re planning a total home makeover, or you just want to declutter, organize and refresh some spaces, we’ve got a few ways to get you started. Before you spring into action, make sure you have the right cleaning products. There are a ton of eco-friendly, non-toxic options and it’s worth a little extra research to find the right ones. Clean in chunks. Spring cleaning can feel overwhelming. Start by making a list of everything you want to get done and … Continue reading...
Make One Extra Payment on Your Mortgage a Year
When you bought your home, you (hopefully) qualified for a mortgage that you could afford and if you stay on top of it monthly, you’ll own your home free and clear in 30 years (or less, depending on your loan terms.) Making extra payments may not even have crossed your mind, but there are actually plenty of reasons why you might want to scrape together just a little bit more to throw at your mortgage each year. Build Equity Faster If you make the equivalent of just one extra mortgage payment a year, you will increase your ownership share in your house faster. This can be … Continue reading...
7 Major Tips
Tip #1 for First-Time Homebuyers: Start Saving Early Though you should talk to a financial professional about saving money for a down payment, traditional wisdom says that the higher your down payment is, the lower your monthly payments will be. Ideally, you’ll save up at least 20 percent of your next home’s purchase price to use as a down payment. If you put down less, your lender will most likely consider you a bigger risk, and as such, it’ll make you pay for private mortgage insurance. Private mortgage insurance (commonly called PMI) is insurance that protects your … Continue reading...
Blog to Help You
Here are two quick credit tips for you… 1) 30% of your score is made up of the ratio between your available credit vs your actual balances on revolving credit accounts (like credit cards). You don’t want to charge these accounts over 50% of the available balance, and its even better if you can keep it under 30% of the available balance. 2) 15% of your credit score comes from the length of time each account has been open, and the length of time since the account’s most recent action. So, it’s impossible for someone who is new to credit to have a perfect … Continue reading...
It is Getting Hot Out!
Summer. It’s hot. Really hot! With temperatures in Montgomery hovering near 90 degrees, you may have already seen the numbers going up on your power bill from your air conditioning running non-stop. But there are ways to help keep your house cool during heatwaves that will not only allow you to be more comfortable but will also assist in lowering your power bill. Here are some tips for keeping cool when it’s HOT, HOT, HOT outside: INSULATE YOUR ATTIC You can make your home more energy efficient by installing quality attic insulation. Good … Continue reading...
Items to Ask an Inspector
“Can I get an explanation?” We’ll make your report as easy to understand as possible, but we know it can still be somewhat daunting to go through, especially if you’re a first-time buyer or new agent. That’s why we’re happy to expand on any of our findings with a more in-depth explanation. “Is this a big problem or a small one?” Most issues we uncover will be small and easy to fix. Others may warrant a closer look and some consideration before you agree to buy the home. It’s in your best interest to ask us this … Continue reading...
4 Budgeting Tips
4 Budgeting Tips for You When Buying a Home 4 Budgeting Tips for You When Buying a Home Many think homeownership costs will get in the way of living the type of life they are accustomed to, whether that includes dining out at new restaurants, shopping or traveling around the world. Buying a new home doesn't mean you will have to give up all you have gotten used to. The key to home ownership means sticking to a budget, knowing what you can afford and managing extra costs wisely. If this is something you really want with a little bit of patience and budgeting your dream can become a … Continue reading...
Tips on Selling Your Home
4 Tips to Maximize the Sale of Your House Homeowners ready to make a move are definitely in a great position to sell today. Housing inventory is incredibly low, driving up buyer competition. This gives homeowners leverage to sell for the best possible terms, and its fueling a steady rise in home prices. In such a hot market, houses are selling quickly. According to the National Association of Realtors (NAR), homes are typically on the market for just 18 short days. Despite the speed and opportunity for sellers, there are still steps you can take to prep your … Continue reading...
Search Properties on HammHomes.com
Did you know you can search properties on my website? Click here to check out my full MLS search on our website! Simply enter the qualities you want most in a home and instantly view homes that match your criteria! … Continue reading...