HOW IS YOUR CREDIT?

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The Homebuying Season is upon us and I know most Buyers may want to go Looking at Houses because you feel that’s the best way to start the Home Buying Process. However, I would like to suggest that the first thing you do is to ask yourself, “How’s my Credit?”

This is the best way to begin the Home Buying Process because when you know what your credit looks like and if you have any issues or challenges that you need to handle, you can just right in and get those issues handled. The next stop is a mortgage rep to do at least a pre-qualification letter so you will KNOW what you are eligible for. NOW – you’re ready to talk to your Realtor or real estate agent because your agent has a definitive number to search for properties for your budget. Now all you have to do is let your agent know where you want to live, how many bedrooms and bathrooms your family will need, if you want a basement, etc.

Imagine for a moment you didn’t do any of the above and you went around looking for homes with your family and you found a beautiful 3 bedroom, 2.5 bath, full basement, kitchen with stainless steel countertops, laundry room fully loaded. You call an agent on the fly and ask to see the house from the Inside and the agent asks you, “How much do you qualify for?” You ask the agent why is that important and the agent says, “I just showed that house to my buyers and it cost $190,000. “Do you have a pre-qualification for that amount?” You answer no you’re just looking and wanted to get into the home. The agent then tells you that the Buyers that she just took to see the home are qualified to purchase and are putting in an offer – Today! That just took the air out of your sails. Ouch!

Next Stop – Mortgage Rep so that won’t happen to you and your family again. 

If I can be of assistance, please respond to this post or email me at sbhardy@kw.com.

To Your New Home,

You may be Deserving of a home however are you Prepared for home ownership?

deserveI was having a conversation about home ownership with a past client who stated that the person deserved a home. That’s a beautiful thing and it got me to thinking well, just because that person is deserving are they prepared for home ownership. I immediately thought about both words – Deserve & Prepared.  According to dictionary.com, deserve means to be qualified for because of actions. Prepare means to put in proper condition or readiness. So as it turns out both words/verbs (according to dictionary.com), mean the same thing – to be deserving you also need to be qualified for what is deserved. So now the question becomes are you prepared to be a homeowner? You have decide.

I’d like to share my Story about Deserving. I purchased my home in July 2015. I didn’t move in until October. Why? To be perfectly honest, I didn’t think I deserved to have a home. Huh? Yes. That was my mindset at the time. How did I solve that issue within myself? I had a nice little conversation with me and said, “What is wrong with you? You have a home. Pack your s*** and move into your new home. I did just that and never looked back. It’s amazing the chatter that goes on in our heads sometimes. We really have to take control and silence the chatter. If you don’t, it can stop you from achieving your goals and dreams.

If I can be of assistance in your home search journey, please respond to this blog post or email me at sbhardy@kw.com. Believe me, I know how you feel if you’ve felt that you didn’t deserve it.

To Your New Home,

A Little Respect, Please!

downloadYou Remember that old song from Aretha Franklin – R-E-S-P-E-C-T… Well, let’s treat each other with Respect when working with your Realtor, real estate agent or anyone else you’re doing business with.

When you’re working with a real estate agent or Realtor, please keep in mind that when you do not get back to them and let them know what’s going on it’s very frustrating and down right rude~~Sorry to be so blunt but that’s the way it is. I realize that Life gets in the way, situations change, conditions change, feelings change, and that’s all ok. Please reach out to your real estate agent or Realtor and let them know. Even if you don’t do that right away because Life gets in the way at least when they call you answer the phone and let them know don’t just ignore them repeatedly.

This is how many full-time Realtors and real estate agents put food on the table – our connection with our clients – Renters, Buyers and Sellers. If we don’t hear from you, we are unable to help you which means we cannot create a paycheck for ourselves. Now, I get it – it’s not about us – it’s about you however, common courtesy is called for. All we’re asking is are we still moving forward and if not – it’s ok – just let me know.  We can always work together at a later date. A little courtesy goes a long way. I pride myself on treating others the way I want to be treated. downloadKeep that in mind the next time your Realtor or real estate agent calls. Thank you.

If I can be of assistance, please email me at sbhardy@kw.com.

Has Spring Sprung Yet?

Well, it certainly doesn’t feel like with the weather below 70 and we’re well into April. Ugh! marchHere it is April 17th and I don’t know about you but I still feel a chill that in my humble opinion, should be gone and we should be wearing lighter jackets. Anyway, I digress. As we wait for Spring to actually get here, let’s talk about Spring cleaning. This is a great time to get some Spring cleaning done to welcome the change of the guard so to speak. Also, if you’re thinking about Selling — take some inventory and see what you really don’t need. We tend to accumulate lots of stuff over the winter and this is the perfect time to de-clutter. Just in case it may cross your mind to get an value proposition on your home to get a glimpse of what it may yield on the open market – The Multiple Listing Service – that is. Getting ahead of Buyers by clearing spaces, making the yard pretty, shining up the door, doorknobs, etc., is a great way to attract buyers who may have thought about wanting a home like yours but nothing really grabbed their attention. You can make some changes in their mind by sprucing up a few things and it won’t take up too much of your time. You’d be surprised at how a little elbow grease can go a long way. Can you say, Closing date? If you would like some ideas on what to do get your home in ready to sell mode, please email me at sbhardy@kw.com or call 609-484-9890 x144. It would be a pleasure to have that conversation with you.

Happy Spring Cleaning!

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Well Finally I’m Back!

imbackI don’t know what happened however I couldn’t get access to this site until I attempted to do so today so I figured I would write and let you know that I apologize for not updating the blog. It was not my intention not to add to the blog. I couldn’t access it for some reason. Since everything is so automated, I couldn’t find anyone to assist at WordPress.

I hope everyone had a fabulous entry into 2018. I hope you are prospering and taking care of yourself and doing great things for you, your family, your health and your wealth. Your health is your true WEALTH and I hope you are taking care of yourself so you can walk your son or daughter down the aisle, attend that graduation in Texas or Mexico or Ride down the Slopes if that’s something you’ve always wanted to do. Go for It!

I intend to keep updating my blog so if you found your way here thank you and please do stop by again and check out my blog.

If I can be of service, email me at sellbuyandinvest@gmail.com.

 

“I want to Sell my house but I’m NOT Giving it Away”

12957047-house-in-lifebuoy-property-insurance-conceptWhat does your Seller mean when he, she or they (if a couple) makes that statement? It simply means that your sellers are going to want to introduce their home to the market at the highest price possible which could mean – Overpriced! As Realtors, we have to educate our sellers that selling their home as quickly for the highest price possible doesn’t always mean to price start Overpriced. If the home stays on the market too long at the higher price, the home may lose some value points because Buyers may think something is wrong with the home because it’s been on the market for over 30-60-90 days.

Think about it. Homes that sell the quickest for the most money are the homes that are priced right when they enter the market place.

Sellers do yourself a favor and work with your Realtor to price the home right the first time so it won’t be on the market longer than necessary and Sellers can get their home sold and on to their next Life Adventure.

If I can be of service to assist you in getting your home Sold, please email me at sellbuyandinvest@gmail.com.