As a first time home buyer, you were great on explaining not only the process, but other details about homes. You are so knowledgeable and always answered all of my questions. I contacted you via email initially and actually sent that email to several other Realtors. You were the only one to fully email me back and I knew then you were the Realtor for me! Thank you for all of your hard work! I can't wait to work with you again in the future!
~ Julie Z.
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The story of The Heritage Home Team begins several years ago with a young woman who had a passion for personal finance. Crystal wanted to learn how the average American grew their wealth. What her studies always brought her back to was that Americans that owned homes were wealthier and more ‘comfortable’ then Americans that did not own their own home.
But, it’s not just about moving into any home. It’s about finding a home of good quality in a good area that will continue to appreciate year after year. This is what Crystal and The Heritage Home Team pride themselves in: finding a good quality home, in the target price range, in the available time frame.
How does this apply to you, the seller? Whether in a seller’s OR buyer’s market the best way to sell your home is by appealing to potential buyers; to make sure they can see themselves living in your home, not wondering who currently lives there. My job is not only to help you price and market your home aggressively – it is also to view your home through the eyes of a buyer, from the very beginning.
The Heritage Home Team also prides itself in being ‘green’. You’d be amazed at how wasteful a life on the go can be. The Heritage Home Team drives hybrid cars, only prints when needed – and double sided if possible, saves files in electronic format instead of paper format, shys away from prepackaged products, and is learning how to be greener every day. The little things add up!
Based on prices, mortgage rates and soaring rents, there may have never been a better time in real estate history to purchase a home than right now. Here are five major reasons purchasers should consider buying:
Supply Is Shrinking
With inventory declining in many regions, finding a home of your dreams may become more difficult going forward. There are buyers in more and more markets surprised that there is no longer a large assortment of houses to choose from. The best homes in the best locations sell first. Don’t miss the opportunity to get that ‘once-in-a-lifetime’ buy.
Price Increases Are on the Horizon
Prices are projected to appreciate by over 25% from now to 2018. First home buyers will probably pay more both in price and interest rate if they wait until the spring. Even if you are a move-up buyer, it will wind-up costing you more in net dollars as the home you will buy will appreciate at approximately the same rate as the house you are in now.
Owning a Home Helps Create Family Wealth
Whether you are rent or you own the home you are leaving in, you are paying a mortgage. Either you are paying your mortgage or your landlord’s. The Fed, in a recent study, revealed that the net worth of the average homeowner is 30 times greater than that of a renter.
Interest Rates Are Projected to Rise
The Mortgage Bankers Association, the National Association of Realtors, Freddie Mac and Fannie Mae have all projected that the 30-year mortgage interest rate will be over 5% by the end of 2014. That is an increase of almost one full point over current rates.
Buy Low, Sell High
We would all agree that, when investing, we want to buy at the lowest price possible and hope to sell at the highest price. Housing can create family wealth as long as we follow this simple principle. Today, real estate is selling ‘low’ compared to where it will be next year. It’s time to buy.
Thanks KCM for this great info!
But just cranking up the heat can prove costly — particularly this year. Heating costs are on the rise, and more than 90 percent of homes will likely face higher heating expenses during this year’s cold season, according to the Energy Department. For example, households using natural gas will likely see bills 13 percent higher this year than last, paying on average $679 for heat this season.
So what are some quick, affordable ways to keep a home warm? A free, new ebook, “The Cure for the Common Cold Room: A Safe & Smart Home Heating Guide,” by ElectricFireplacesDirect.com offers up numerous tips and tricks to home owners and sellers for keeping a home warm this winter. Here are a few ideas from the book:
1. Add area rugs: Hardwood and tile floors can make your home feel cold in the winter. Add some area rugs to provide a warmer barrier between your feet and the floor. Non-skid utility rugs or rubber mats can make kitchen floors more comfortable and safe, according to the ebook.
2. Set ceiling fans to run clockwise: Yes, a ceiling fan can be used in the winter months too and can even help heat your home. The majority of ceiling fans have two settings: Counterclockwise cools rooms in the summer and clockwise can force warm air downward in the winter. Look for a small switch on the ceiling fan to change its direction clockwise for the cooler months.
3. Rearrange furniture: Check the arrangement of the furniture in the home to make sure it’s cozy. Often times, home owners spread out furniture to fill an entire room. Instead, group pieces together to get a warmer feel. Move furniture away from the windows and doors and closer to the fireplace, if there is one in the home.
4. Add moisture to the air: Humid air feels warmer than dry air. Therefore, a humidifier may make a difference. Cool mist and warm mist humidifiers can both be effective in making rooms feel warmer. “A cool mist humidifier is safer — and usually less expensive — because it doesn’t expel hot water or steam vapor that could hurt children or pets,” according to the book.
5. Let the sun shine inside: Use the sun to heat your home by adjusting the home’s curtains to let the sun in. Open south-facing curtains on sunny days. Also, be sure to close curtains at night to provide an extra barrier against wintery winds that are trying to squeeze inside the home.
Thanks Melissa Dittmann Tracey for this info.