Janet Cramb & Company Real Estate

Posted by Janet Cramb on 3/7/2018

The weeks and days leading up to a home closing can be stressful, particularly for a homebuyer who is already trying to do everything possible to secure his or her dream residence. Fortunately, we're here to help you simplify the process of getting to your closing date.

Now, let's take a look at three tips to ensure you can enjoy a fast, easy home closing.

1. Get Your Paperwork Ready

It often helps to get all of your homebuying paperwork ready before you pursue a residence. That way, you can minimize the last-minute stress associated with searching far and wide for pay stubs, tax returns and other documents that you'll ultimately need to get financing for a residence.

Furthermore, you should meet with local banks and credit unions as soon as you can. If you can get approved for a mortgage prior to starting a home search, you may be able to speed up the process of acquiring your ideal residence.

2. Be Prepared to Cover Your Closing Costs

Although you might have financing to cover your monthly mortgage payments, it is important to remember that you may need to pay closing costs to finalize your home purchase. As such, if you begin saving for your closing costs today, you can guarantee that you'll have the necessary funds available to purchase your dream residence on your scheduled closing date.

Also, you should be prepared to present a cashier's check or wire funds when you close on a house. If you plan ahead, you should have no paying off your closing costs when your complete your home purchase.

3. Schedule Your Final Walk-Through Before Your Closing Date

When it comes to a final walk-through on your dream house, why should you leave anything to chance? Instead, set up the final walk-through at least a few days before you're scheduled to close on a house.

If you find problems with a house during a final walk-through, you'll want to give the seller plenty of time to address these issues. Thus, if you schedule a final walk-through several days before your closing date, you can ensure that any home problems can be corrected without putting your closing date in danger.

For homebuyers who are worried about a home closing, there is no need to stress. In fact, if you work with an expert real estate agent, you can receive plenty of support throughout the homebuying journey.

Typically, a real estate agent can explain what you should expect in the time leading up to your closing date. If you have any concerns or questions before a home closing, a real estate agent is happy to address them. Plus, when your closing date arrives, a real estate agent will help you remain calm, cool and collected as you purchase a home.

Ready to streamline the process of closing on a house? Use the aforementioned tips, and you can reap the benefits of a quick, seamless home closing.

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Posted by Janet Cramb on 2/21/2018

If you’re looking for a bargain on a home, there are ways that you can tell a seller is ready to give you a great price. 

The Vocabulary Is Right

Sellers who really want to get rid of their property will never say it directly on a listing. Yet, there’s so many different keywords that can help you to distinguish which sellers are in a rush to sell. These words can be found in the listing and include:

  • Motivated seller
  • Priced to sell
  • Needs TLC
  • Bonus offers for closing within a certain timeframe

These keywords and phrases signal that a seller truly is “motivated.”

Your Agent Gets The Inside Scoop

Sometimes, a seller’s agent will tell a buyer’s agent outright that their client is looking to sell in a hurry. This can help you and your agent to work together to make a good offer and get a good deal on the home. 

A Home Has Gone On And Off The Market

If a home has been on and off the market for some time, it’s a good bet that you’ll be able to get a good deal on the home. If a buyer backs out, it can really put the seller in a bind. If this has happened several times over a period of time, you may have a good shot at getting a good bargain on a home. Your realtor will be able to research the property history and help you find out exactly what happened to the home in the past. This way, you’ll know what you’re getting into with the property and if you have a good shot at making a deal.  

Choose The Right Season

At certain times of the year, such as winter where there are fewer listings, sellers are generally more motivated. There’s less competition along with less buyers. Anyone who is looking during these times may be able to get a better deal on a home they love because of the low supply and demand.  

A Really Good List Price

If the listing price for a home is a real bargain to begin with, you may have a motivated seller on the other side of the listing. A seller who needs to make a quick sale will often put the home on the market at a great price right from the start. This is all in hopes that the home will fly off of the market. 

A low price can also be a bit of a red flag. The seller may have listed the home at a bargain price in hopes of a bidding war between buyers. If you don’t want to get into the competition of trying to outbid another buyer, you may want to avoid homes listed at seemingly too-good-to-be-true prices.   

If you’re looking for a hidden bargain on a home, you can see that there are ways that you can find it pretty easily. Happy house hunting!

Posted by Janet Cramb on 12/27/2017

For those who want to acquire a stellar house at a budget-friendly price, it pays to work with a diligent real estate agent. In fact, some of the top reasons to hire a diligent real estate agent include:

1. A diligent real estate agent knows all about the housing market.

Are you still unsure about what differentiates a buyer's market from a seller's market? No worries, as a diligent real estate agent can teach you everything you need to know about the housing market.

A diligent real estate agent will dedicate the necessary time and resources to help you become an informed home shopper. That way, you can enter the real estate market with the support and insights that you need to succeed.

Also, a diligent real estate agent is ready to respond to any homebuying concerns and questions. This housing market professional can serve as an expert homebuying resource who can help you achieve the best possible results during the property buying journey.

2. A diligent real estate agent can help you establish realistic homebuying expectations.

Although it may seem simple to look at houses and find one that can serve you well for years to come, the property buying process may prove to be much more complex than you initially thought. However, a diligent real estate agent can help you map out your homebuying journey so you can avoid potential hurdles along the way.

For example, a diligent real estate agent may encourage you to get pre-approved for a mortgage. Because, with a mortgage in hand, you can begin your home search with a clear understanding of how much money you can spend on a house.

A diligent real estate agent may ask you to differentiate between "must-haves" and "wants" for your dream residence. And with a homebuying checklist in hand, you can narrow your home search and accelerate your quest for the perfect residence.

3. A diligent real estate agent can help you handle homebuying negotiations.

Let's face it – homebuying negotiations can be tricky, particularly if you're forced to work with a stubborn home seller. But with a diligent real estate agent at your side, you can get the assistance you need to purchase your dream house at your ideal price.

A diligent real estate agent can negotiate with a home seller on your behalf and keep you up to date at each stage of a negotiation. Then, as homebuying negotiations progress, a diligent real estate agent will be able to offer tips and guidance to help you make informed decisions.

In addition, a diligent real estate agent can help you minimize stress throughout homebuying negotiations. If these negotiations become too stressful, a diligent real estate agent will do everything possible to help you stay calm, cool and collected as well.

If you're planning to buy a home in the near future, hiring a diligent real estate agent is a must. This housing market professional will do what it takes to ensure you can purchase a wonderful residence that matches or exceeds your expectations.

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Posted by Janet Cramb on 7/5/2017

Purchasing a home represents a life-changing decision, and as such, should not be taken lightly. Instead, a homebuyer will want to consider the pros and cons of buying a particular residence, along with the benefits of purchasing a house in the first place.

Ultimately, there are many benefits of buying a house, including:

1. Predictable Housing Costs

For many renters, it can be difficult to determine how much housing costs may vary year to year. Plus, renters may be forced to move from one location to the next as soon as a lease expires – something that could prove to be both time-consuming and costly.

Homebuyers can reap the benefits of predictability, and for good reason. Typically, a homebuyer will be able to pay predictable mortgage costs for the life of a home loan. This individual also won't have to worry about committing substantial time and resources to move regularly. On the other hand, a homebuyer will be able to relocate to a house that he or she owns and enjoy this property for years to come.

2. Home Appreciation

A home offers a terrific asset, one that may increase in value over an extended period of time.

Typically, a well-maintained home will become more valuable over the years, particularly for homeowners who keep their residences looking great. This means if you ever decide to sell your home down the line, you may be able to receive offers that exceed what you initially paid for it.

3. Exceptional Privacy

Finding a place to call your own can be tough. However, homeowners can enjoy unprecedented privacy, as their residences enable them to take a break from the hustle and bustle of the outside world any time they choose.

A home offers a wonderful place where you can relax with family members and friends or on your own. And remember, you can always modify your home to further increase your privacy as well.

4. Unparalleled Security

If you rent a property and break your lease, your landlord can kick you out of your home. Comparatively, if you purchase a house, you own the property. This means you will always have a roof over your head and can rest comfortably in your very own place.

Buying a home can instill a sense of pride in an individual. Furthermore, a homeowner can take solace in the fact that his or her residence is a safe place and enjoy it day after day.

Ready to purchase a house? Not so fast. You'll first want to contact a real estate agent who can guide you through each stage of the homebuying process. That way, you can receive support from a friendly, expert real estate agent and ensure that you can secure your dream home quickly and effortlessly.

Reach out to a real estate agent today – you'll be happy you did. With a real estate agent at your side, you can navigate the homebuying process and find your ideal house.

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Posted by Janet Cramb on 5/24/2017

One of the worst mistakes you can make when looking for a new home is to allow yourself to become discouraged. Once that happens, your energy level drops, your optimism wavers, and your standards slide.

Searching for just the right house for you and your family may take longer than you expect, but success is often right around the corner! In the mean time, persistence and mental focus will help you get past the rough spots and detours. If you decide to work with a real estate buyers' agent, they will help keep you motivated, encouraged, and updated on new listings.

Although a certain amount of flexibility is necessary when you're in the market for a new home, there are advantages to having a clear picture in your mind of what you're looking for. There are a lot of factors that can play a role in your degree of happiness and comfort in a new home, and it's vital to recognize exactly what those key features and characteristics would be.

Here are a few things to mull over as you visit homes for sale and compare the pluses and minuses of each.

  • Location: In addition to seeking out a neighborhood that's convenient for shopping, commuting, and meeting your family's needs, it also pays to keep investment value in mind. While nobody can look into a crystal ball and say with absolute certainty that property values will increase in the foreseeable future, there are educated guesses and projections that can be made based on trends and available data. An experienced real estate agent can be one of your best resources in determining whether a neighborhood is growing or declining. Very often there are telltale signs that are worth paying close attention to when evaluating different homes for sale.
  • Architectural style: While many house hunters are only interested in features like square footage, lot size, and the quality of the school district, you may have preferences for specific architectural styles. Finding a house that conforms to your architectural preferences can make a big difference in your level of satisfaction. Although there are more than thirty different styles from which to choose, many people lean toward Colonial houses, Craftsman style homes, Contemporaries, Ranch houses, Tudors, Victorians (Queen Anne, for example), Cape Cods, Art Deco houses, Split Levels, and Bungalows. Other style possibilities include Dutch Colonials, Georgian-style houses, and Spanish-influenced architectures , such as the Monterey, Spanish Eclectic, and Pueblo. While some styles tend to be mostly confined to certain areas of the country, most communities have a wide array of architectural styles available to home buyers.
  • Condition of the Home: Some of a house's flaws are easy to spot, while others may require the expertise of a certified house inspector. The extent to which you're willing to make repairs, updates, and renovations to a new home will be one key factor that will determine which house is best for your needs, goals, and budget.
There are literally dozens of features, characteristics, and quality standards to keep in mind when shopping for a new home, but location, structural condition, and style are three factors that are well worth including on your priority list.