Dress Up Your Deck
Dress Up Your Deck ~ From HouseLogic.com
7 Steps to Take Before You Buy a Home
7 Steps to Take Before You Buy a Home from HouseLogic.com
7 Steps to Take Before You Buy a Home
By: G. M. Filisko
Published: February 10, 2010
By doing your homework before you buy, you’ll feel more content about your new home.
1. Decide how much home you can afford
Generally, you can afford a home priced 2 to 3 times your gross income. Remember to consider costs every homeowner must cover: property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care if you plan to have children.
2. Develop your home wish list
Be honest about which features you must have and which you’d like to have. Handicap accessibility for an aging parent or special needs child is a must. Granite countertops and stainless steel appliances are in the bonus category. Come up with your top-five must-haves and top-five wants to help you focus your search and make a logical, rather than emotional, choice when home shopping.
3. Select where you want to live
Make a list of your top-five community priorities, such as commute time, schools, and recreational facilities. Ask your REALTOR® to help you identify three to four target neighborhoods based on your priorities.
4. Start saving
Have you saved enough money to qualify for a mortgage and cover your downpayment? Ideally, you should have 20% of the purchase price set aside for a downpayment, but some lenders allow as little as 5% down. A small downpayment preserves your savings for emergencies.
However, the lower your downpayment, the higher the loan amount you’ll need to qualify for, and if you still qualify, the higher your monthly payment. Your downpayment size can also influence your interest rate and the type of loan you can get.
Finally, if your downpayment is less than 20%, you’ll be required to purchase private mortgage insurance. Depending on the size of your loan, PMI can add hundreds to your monthly payment. Check with your state and local government for mortgage and downpayment assistance programs for first-time buyers.
5. Ask about all the costs before you sign
A downpayment is just one homebuying cost. Your REALTOR® can tell you what other costs buyers commonly pay in your area—including home inspections, attorneys’ fees, and transfer fees of 2% to 7% of the home price. Tally up the extras you’ll also want to buy after you move-in, such as window coverings and patio furniture for your new yard.
6. Get your credit in order
A credit report details your borrowing history, including any late payments and bad debts, and typically includes a credit score. Lenders lean heavily on your credit report and credit score in determining whether, how much, and at what interest rate to lend for a home. Most require a minimum credit score of 620 for a home mortgage.
You’re entitled to free copies of your credit reports annually from the major credit bureaus: Equifax, Experian, and TransUnion. Order and then pore over them to ensure the information is accurate, and try to correct any errors before you buy. If your credit score isn’t up to snuff, the easiest ways to improve it are to pay every bill on time and pay down high credit card debt.
7. Get prequalified
Meet with a lender to get a prequalification letter that says how much house you’re qualified to buy. Start gathering the paperwork your lender says it needs. Most want to see W-2 forms verifying your employment and income, copies of pay stubs, and two to four months of banking statements.
If you’re self-employed, you’ll need your current profit and loss statement, a current balance sheet, and personal and business income tax returns for the previous two years.
Consider your financing options. The longer the loan, the smaller your monthly payment. Fixed-rate mortgages offer payment certainty; an adjustable-rate mortgage offers a lower monthly payment. However, an adjustable-rate mortgage may adjust dramatically. Be sure to calculate your affordability at both the lowest and highest possible ARM rate.
More from HouseLogic
Learn how Fannie Mae and Freddie Mac mortgages can help you save on financing
Learn more about the costs of homeownership
Other web resources
Homebuyer counseling resources
Get a free credit report from each of the three credit reporting bureaus
G.M. Filisko is an attorney and award-winning writer who has thrice survived the homebuying process. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.
5 Tips for Buying a Foreclosure
Brought to you by the National Association of Realtors®
By: G. M. Filisko
Published 2010-03-29 09:29:32
Get prequalified for a loan and set aside funds, and you’ll be ready to purchase a foreclosed home.
When selling a foreclosed home, set a price well under market value so the home will sell quickly. Image: Image Source/Getty ImagesWhen lenders take over a home through foreclosure, they want to sell it as quickly as possible. Since lenders aren’t in the real estate business, they turn to real estate brokers for help marketing their properties. Buying a foreclosed home through the multiple listing service can be a bargain, but it can also be a problem-filled process. Here are five tips to help you buy smart.
1. Choose a foreclosure sale expert. Lenders rarely sell their own foreclosures directly to consumers. They list them with real estate brokers. You can work with a real estate agent who sells foreclosed homes for lenders, or have a buyer’s agent find foreclosure properties for you. To locate a foreclosure sales specialist, call local brokers and ask if they are the listing agent for any banks.
Either way, ask the real estate professional which lenders’ homes they’ve sold, how many buyers they’ve represented in a foreclosed property purchase, how many of those sales they closed last year, and who they legally represent.
If the agent represents the lender, don’t reveal anything to her that you don’t want the lender to know, like whether you’re willing to spend more than you offer for a house.
2. Be ready for complications. In some states, the former owner of a foreclosed home can challenge the foreclosure in court, even after you’ve closed the sale. Ask your agent to recommend a real estate attorney who has negotiated with lenders selling foreclosed homes and has defended legal challenges to foreclosures.
Have your attorney explain your state’s foreclosure process and your risks in purchasing a foreclosed home. Set aside as much as $5,000 to cover potential legal fees.
3. Work with your agent to set a price. Ask your real estate agent to show you closed sales of comparable homes, which you can use to set your price. Start with an amount well under market value because the lender may be in a hurry to get rid of the home.
4. Get your financing in order. Many mortgage market players, such as Fannie Mae, require buyers to submit financing preapproval letters with a purchase offer. They’ll also reject all contingencies. Since most foreclosed homes are vacant, closings can be quick. Make sure you have the cash you’ll need to close your purchase.
5. Expect an as-is sale. Most homeowners stopped maintaining their home long before they could no longer make mortgage payments. Be sure to have enough money left after the sale to make at least minor, and sometimes substantive, repairs.
Although lenders may do minor cosmetic repairs to make foreclosed homes more marketable, they won’t give you credits for repair costs (or make additional repairs) because they’ve already factored the property’s condition into their asking price.
Lenders will also require that you purchase the home “as is,” which means in its current condition. Protect yourself by ordering a home inspection to uncover the true condition of the property, getting a pest inspection, and purchasing a home warranty.
Be sure you also do all the environmental testing that’s common to your region to find hazards such as radon, mold, lead-based paint, or underground storage tanks.
More from HouseLogic
What you need to know about the homebuyer tax credit
How to claim your homebuyer tax credit
Other web resources
How to buy a foreclosure from Fannie Mae
What to consider when buying a foreclosure as your first home
G.M. Filisko is an attorney and award-winning writer who purchased a foreclosed condominium and found herself in the middle of a months-long dispute between the former homeowner and the bank over whether the foreclosure was conducted properly. Six months after paying the full purchase price, she was finally able to enter the property. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.
- A Financial Plan for Your Home
- HOAs: What You Need To Know About Rules
- It Pays to Support Responsible Homeownership
More Engage Articles
Read more: http://buyandsell.houselogic.com/articles/5-tips-buying-foreclosure/#ixzz12BPhajxr
Buy a Starter Home
Buy a Starter Home… About.com
Home Buyer Tax Credit Information
Homebuyer Tax Credit Information…
I just came across a great site that has information on understanding the homebuyer tax credit – Do you qualify? Is this just for first time homebuyers? When is the deadline?
This site answers these questions and more. The best part is there is an Eligibility Test to see if you can take advantage of this credit.
$$$$$$$$ CLICK Here to View $$$$$$$$
150 Pocono Road – Brookfield CT – Price Reduction
Price Reduction on my Listing ~ 150 Pocono Road in Brookfield, Connecticut
A wonderful home…
*************** CLICK Here to View Listing Sheet ***************
Congress Extended & Expanded Housing Tax Credit!
Congress has Extended and Expanded the Housing Tax Credit. Now, not just for First Time Home Buyers, this tax credit will also be available for Repeat Home Buyers!
~ CLICK ~ Here to view NAR Issue Brief Home Buyer Tax Credit Change Chart
KaCey97007 – Flickr.com
Selling Your Home During the Holidays
FrontDoor.com has the Top 10 Tips for Selling Your Home During the Holidays ~ CLICK ~
Michele Eve – Flickr.com
Before we know it, the Holiday’s will be upon us – helpful ideas like these from FrontDoor.com
Bedroom Decorating with Kelly Edwards
Bedroom Decorating with Kelly Edwards ~ CLICK ~
Make the most of a small bedroom – watch this helpful video with Kelly Edwards ~ CLICK ~ where she positions furniture to open up the flow in a bedroom to give the illusion that the room is bigger.
Google Imagery
Just some helpful tips for sellers ~ or anyone!
My Life as a Realtor – Day 37
My Life as a Realtor ~
Day 37:
Making my way to the home in Mahopac, NY
Big and busy day today – Started out this morning by meeting my clients at the home they were purchasing in Mahopac, NY - to do their walk through. After making sure all was well – toilets flush, faucets for both hot and cold water run, attic cleaned out, looked over the home inside and out - we were off to the closing in Bedford Hills, NY.
Sellers attorney’s office – Bedford Hills, NY
After the closing, I went to the office – Century 21 VJF Realty – did some work and then headed to Elmsford, NY – to the Hampton Inn for a seminar in Short Sales - very informative.
Hampton Inn – Elmsford, NY
Afterwards, Linda – our Broker/Owner, Eva, Caroline and I, went to The Cheese Cake Factory in White Plains, NY – What a lovely end to a wonderful day!
My Life as a Realtor – Day 35
My Life as a Realtor ~
Day 35:
What a gorgeous day out – in the 80′s – sunny, but comfortable. So comfortable, we were able to turn the air off and open our windows for some fresh air!
Enterance to Candlewood Town Park ~ New Fairfield, CT
Worked from home again – drove Jonathan to meet with some of his friends at Candlewood Lake Town Beach in New Fairfield – 5 minutes from home - to meet with some of his friends.
Then I dropped our car rental off at New Fairfield Auto Body so that Enterprise can pick it up in the am – Oh, that Ford Focus will be missed! When Joe gets back from Portugal, we will have to go car shopping and he’s insisting on a pick up truck.
Then -work, work, work…
Clean, clean, clean…
Back to pick up Jonathan -
Dinner, dinner, dinner…
Then Melissa and I went to Shaw’s - just a few things needed. And back home to -
Work, work, work… until about 2am since I have a busy day tomorrow.
My Life as a Realtor – Day 32
My Life as a Realtor ~
Day 32:
Rain, rain, rain… It came down as a heavy downpour and for quite awhile – flooding was everywhere, road blocks were up and even torn up roadways – it was crazy! And where was I in this mess – ?? Putting up a new sign in front of my Brookfield listing.
Before going to Brookfield – I went to our bank – HSBC in Brewster. Then off to show a condo in Danbury – here’s the pretty water view in the complex – where it had just started to rain.
After the sign was up, I went home – which took about 45 minutes instead of 15 due to the storm. I picked up my youngest, Jonathan, and took him to the local barber – Roberts Barber Shop near the New Fairfield Post Office. They always take their time and do a great job – better yet, with my crazy schedule, walk-ins are welcome. Then off to Shaw’s and… I couldn’t resist – since Joe is in Portugal – we had Chinese for dinner – Yum!
Zillow’s Zestimates
Zillow.com is a popular site for buyers looking for a home or sellers looking to sell their home. Alot of questions have been asked about Zillow’s Zestimates and how accurate they are.
Watch this video to better understand why a Zestimate is an estimate of a homes value.
FrontDoor – Home Value IQ Quiz
Google Imagery
HGTV’s FrontDoor – Test Your Home Value IQ Quiz ~ CLICK ~
DIY – 100 Under Half Day Projects
DIY’s Top 100 Under Half Day Projects is a great way to make some improvements on your home. Whether your selling your home, or making changes for you to enjoy and raise it’s potential value – CLICK here for a bunch of great ideas!
supershoppertoo – Flickr.com
Front Door – Top 10 Strategies for Choosing a Realtor
HGTV’s FrontDoor.com lists the Top 10 Strategies for Choosing the Right Real Estate Agent – and I totally agree with all ten!
ClipArt.com
Click here to view what you should be looking for in an agent – are they a full-time and full-service Realtor? Are they networking on LinkedIn, Twitter and Face Book? Do they have a BLOG? Are they Tech-savvy? Can and will they think like a buyer? Are they understanding and do they listen?
Find me on Twitter… DianaSantosC21
Find me on Face Book… Diana Alves Santos
Find me on LinkedIn… Diana Santos
Home buying & selling can be a long and frustrating process – so choose someone your comfortable with and that will do their best to smooth the bumps along the way of buying and selling your home.
5 Inexpensive Staging Tips from TLC
Here is 5 Inexpensive Staging Tips from TLC to help sell your home!
These do-it-yourself tips from TLC can make all the difference in getting your Home SOLD!
My Life as a Realtor – Day 10
My Life as a Realtor ~
Day 10:
Late morning appointment in New Fairfield, CT with past clients that are looking into selling their home. I was their selling agent almost 2 years ago. What a pleasure it was to see them again, and to see the improvements they’ve done to their home.
Clients views of Ball Pond
Drove up to my listing in Brookfield, CT – went to put up my yard sign and lockbox. My brother lives just a few minutes away, so I stopped and visited with my sister-in-law, Leia, and the kids. I was also their selling agent. It’s always a pleasure to visit with them since they’re always making improvements and Leia has such awesome ideas that she inspires me. Currently, she motivating me to paint my kitchen cabinets. I’m almost there…. just need one more push - well, one more BIG push!
My kitchen cabinets – yes, that’s Moe – in his new hiding spot from the pups!
While I was visiting with the kids and meeting Taffy, their new kitty, the wind started to kick up and it got so dark within such a short amount of time. As I was talking with Leia in the kitchen, I heard a loud sound and could see the trees move and shake along with what seemed like a dark gray cloud move across the yard – Bam! The rain and wind hit the house. I flew to my car – since I realized I had left both windows open, and had to drive home, drenched and barely able to see anything! Very scary!
Afterwards, Matt, our most fantastic computer guy, delivered my daughter, Sara’s, new mini-Dell computer and took my Melissa’s computer to have a look since it’ s been over heating. Then, I unfortunately had to deliver bad news to clients that the offer they submitted on a foreclosure was not happening since the bank accepted another offer. That is the part I do not like about my job, being the bearer of bad news.
Dell – Mini
I also spoke with clients that just closed on their house 2 weeks ago. The sellers rented out until the end of the month and my clients are excited about moving in this weekend. I’m happy that they’ll be New Fairfield neighbors of mine.
My Life as a Realtor – Day 9
My Life as a Realtor ~
Day 9:
Busy day promoting my new listing on my Blog, Trulia, Zillow, Active Rain and Listing Book in New York & Connecticut. Still waiting, but no news from the bank regarding an offer on a foreclosure and another bank regarding an offer on a short sale.
Kids are enjoying their summer vacation - Melissa is busy working 2 jobs and taking summer classes at West Conn, David is having a blast with friends, today he called from North Carolina, Amanda loves reading her books, Sara is feverishly excising – I swear she does enough for her and me! And Jonathan is a night owl like me – up late on the computer, except I’m working and he’s playing.
Did a few errands, phone calls, e-mails and made a yummy dinner- Chicken with red peppers, zucchini and fresh green beans from my mother-in-laws garden – added some potatoes and salad…. and a glass of red wine – as Julia Child would say, “Bon Appetit!” – I am so looking forward to seeing the movie – “Julie & Julia”
My Life as a Realtor – Day 8
My Life as a Realtor ~
Day 8:
It’s Wednesday – Hump Day – Yahoo! Allstate Insurance adjuster came over to view some smoke damage in our home. Before he arrived, I make sure all the rooms were as neat as a pin – I have a bit of OCD – always have, always will.
Worked on a CMA for past clients that may be interested in selling their home.
Dealing with an offer on a foreclosure and another on a short sale.
New Listing
And… here is my new listing!! 150 Pocono Road ~ Brookfield, CT – CLICK
My Life as a Realtor – Day 7
My Life as a Realtor ~
Day 7:
Big day today – my First Time Homebuyers CLOSED on their HOME!! They have been through many ups and downs and I am so happy for them that this day has finally arrived. The town of Wingdale in New York, now have new – wonderful residents.
Attorney’s Office – Carmel, NY
Afterwards, I flew by the my office – Century 21 VJF – did some errands, picked up my daughter at work since I had her car – made dinner and ate like a piglet since I had no lunch - kept checking in on my oldest son, who drove down to North Carolina with cousin Derek and friends ~ and ~ now I will continue what I started this morning, all my on-line work.
My Life as a Realtor – Day 2
~ My Life as a Realtor ~
Day 2:
This morning I continued working on my new listing – downloaded all the photos last night - today is the fun part of filling in all the forms needed to input the listing on the Multiple Listing Service in 2 states since I am licensed in New York and Connecticut.
House viewed with clients
Early this afternoon, I met with clients – we viewed a Foreclosure in Danbury, CT… there is some interest and I’m not surprised since the condition wasn’t the usual foreclosed homes I’ve viewed. They are first time homebuyers and really nice – I hope it works out for them!
Since I was in Danbury – made a quick trip to Best Buy – I had called earlier to make sure they had what I was looking to purchase – they did, and they put it aside for me – my own personal shopper… cool!
Added a new link to my Blogs Homepage – NeighborCity Real Estate Guide - If your looking for Commercial Real Estate, Home Builders, Mortgage Brokers, Realtors, Staging Companies, Green Homes, Home Inspectors, Real Estate Appraisers, Title Companies and other Resources and Blogs – visit this site where you can search by location.
Happy news of the day….. I GOT MY LAPTOP BACK!!! After having a virus on it for months- I was introduced to a fantastic tech guy – Matt Bochnewich – who – by the way – came to my house, took the time and looked at all of our computers!
Matt Bochnewich ~ 646-867-0778 ~ support@techgur.us
Matt offers: Consulting, Installation, Troubleshooting, Hardware, Software, Web Solutions & 24 hour emergency remote support ~ and is CompTIA A+ Certified
Steps to Happy House Hunting
Savannah Grandfather – Flickr.com
Here are some helpful tips from FRONTDOOR.COM on Steps to Happy House Hunting ~ CLICK ~
Realtor Open House Day in CT & NY
This past Wednesday, Realtor Open House Day took me to 3 beautiful homes - the 1st in New Fairfield, CT - the 2nd in Holmes, NY and the 3rd in Patterson, NY. It was a beautiful day, we had great food, good conversation and 3 more homes I’d like to share with you and my clients!
<CLICK on each town to view listing sheet for each home >
Here are some cell phone pics I took on my way to the home in New Fairfield, CT -
If interested in viewing any of these homes – please contact me at your convenience!
Diana ~ Cell: 203-648-2619
Home Styles: What Kind of House are YOU?
ReneS – Flickr.com
HGTV’s Front Door breaks down 18 of the most common architectural styles. Since Homes aren’t one-size-fits-all, check out these great videos on all the different style homes and see which styles fit you.
ReneS – Flickr.com
- Art Deco
- Craftsman Bungalow
- Cape Cod
- Colonial
- Contemporary
- Farmhouse
- Federal
- French Provincial
- Greek Revival
- Italianate
- Modern
- Prairie
- Pueblo Revival
- Ranch
- Spanish Colonial
- Tudor
- Victorian
Home for Sale in Patterson – NY
This past Saturday, I viewed a lovely 3 bdrm, 2 bath home on quiet street in Putnam Lake – Patterson, NY. This light & bright home has a large deck overlooking a level yard with an above ground pool. The open floor plan is great for entertaining and a walkout Lower Level has a family room and full bath – which makes it possible for a Mother/Daughter home or a great summer house!
Putnam Lake – Cell Phone Pic
To view listing <CLICK> http://wpmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Westchester&PRGNAME=MLSLogin&ARGUMENT=y7pbMEzBOk8dTh%2FfGeagBg4p%2BdNMezlB%2FyWM0gz7xJI%3D&KeyRid=1&Include_Search_Criteria=
This home is convenient to Route 22 and I-684.
Call for an appointment – Diana – cell: 203-648-2619
Spring Projects Made Easy With Lowe’s
Spring is here with weather that’s not too hot and not too cold – making it a perfect time to take care of a few project around your home.
Click on Lowe’s to view some helpful videos – LOWE’S
Robert S. Donovan (booleansplit) – Flickr.com
Realtor Open House Day in Patterson, NY
Yesterday was Realtor Open House Day in Putnam County. Here is one of the homes I viewed in Patterson, NY - It’s been renovated inside and out – ready to just move right in!
For more information and interior photos – or to view this home – call or text Diana – Cell: 203-648-2619 or send me an e-mail – Diana.Santos@Century21.com
Homebuying Dos and Don’ts
If your taking advantage of this “Buyers Market” - here are some Dos and Don’ts from FRONTDOOR.COM <CLICK>
Also, Listing Book is a great way to search like an agent and view all current listings that are updated every 30 minutes – unlike other Home Search sites – AND – it’s FREE! Register for your account - <CLICK HERE TO VIEW>
ikkoskinen – Flickr.com
Tax Tips for Home Buyers, Sellers and Owners
I receive numerous e-mails daily. Many are of helpful tips and important information.
peregrine blue – Flickr.com
FrontDoor.com has 10 Tax Tips for Home Buyers, Sellers and Owners <CLICK>
Rachaelvoorhees – Flickr.com
Please be sure to check or contact your accountant, to see if these new laws apply to you and if your eligible.
GETTING TO KNOW ME
As a full time REALTOR in Westchester, Putnam and Dutchess counties in NEW YORK – and Fairfield and parts of Litchfield counties in CONNECTICUT , I am very pleased to have the opportunity to share my passions on REAL ESTATE, FAMILY, PETS, anything and everything in and around a HOME – including COOKING, MOVIES, MUSIC and more!
I have been married for 25+ years to my wonderful husband Joe. We have 5 children – Melissa, David, Amanda, Sara and Jonathan. After waiting anxiously – for almost 17 years, being home with my kids for 10 and a Nursery school teacher for 7 years – I FINALLY became a Licensed Realtor – first in Connecticut - where my family and I live – and then in New York – where my office, Century 21 V.J.F. Realty is located.
I was born and raised in Mt. Vernon, New York. My parents, who came to the US from Portugal, were extremely hard working – with even stronger ethics on being good to everyone – everywhere – period! “Faz bem, nao olhes a quem.” This has been instilled in me all my life, which has made me the mother, wife, daughter, sister, friend and the REALTOR I am today. Thank You Ma and Papa. 
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HouseLogic
Brought to you by the National Association of Realtors®
Live Better. Own Smarter. Here is How.
HouseLogic
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Should You Move or Remodel?
When your house no longer suits you, you can move or remodel. Find out which big change is the right investment of your housing dollars. Read
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Fielding a Lowball Purchase Offer on Your Home
Consider before you ignore or outright refuse a very low purchase offer for your home. A counteroffer and negotiation could turn that low purchase offer into a sale. Read
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Make Your House FHA-Loan Friendly
Know the basics of FHA loan rules and you stand a better chance of selling your house or condo. Read
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Keep Your Home Sale from Falling Apart
After finding a buyer, all you have to do to make it to closing is to avoid these five traps. Read
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5 Tips for Buying a Foreclosure
Get prequalified for a loan and set aside funds, and you’ll be ready to purchase a foreclosed home. Read
Visit houselogic.com for more articles like this.
Copyright 2010 NATIONAL ASSOCIATION OF REALTORS®
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