Area Real Estate News & Market Trends

You’ll find our blog to be a wealth of information, covering everything from local market statistics and home values to community happenings. That’s because we care about the community and want to help you find your place in it. Please reach out if you have any questions at all. We’d love to talk with you!

Dec. 26, 2019

When You Find The Right Home

After finding the perfect home, you will sit with your agent and work up an offer. They will work with you to ensure it states your specific terms. Do you want to leave the refrigerator? The swing set? The pool equipment? You may ask for a blank copy of the standard RPA(Residential Purchase Agreement) to read ahead of time. At this point the seller may accept your offer or come back with a counter offer. If a counter offer comes back, you will have the opportunity to decide whether you want to accept it, or to counter back with your own modifications. Your offer will need to be accompanied by earnest money, a check made out to the title company which will only be cashed upon an accepted contract. This check will be given to the title company when your offer is accepted and will be credited to you in closing costs. When an agreement is reached on both sides and all documents are signed, you are both then under a legally binding contract and protected by it.

Dec. 12, 2019

Searching For Your Dream Home

First, your realtor will put your specific search requirements into the computer, then using the MLS (Multiple Listing Service) they will be able to print out a list of the homes that match your basic desired profile. Next, appointments will be made to look at potential homes. Grab a notebook, and take notes each time you visit a home that seems like a possibility.


  • Is the asking price comparable to other houses in the neighborhood?
  • Is the existing mortgage assumable? At what rate?
  • What will the required down payment be? The new property tax amount?


  • What is the age of the home and it's required maintenance?
  • What is the structural condition?
  • Are there any visible major repairs needed?
  • Does the yard meet your needs?


  • Is the floor plan comfortable for your daily life?
  • Is there enough storage and closet space?
  • Are bathrooms suitably located? Exits/Entrances?
  • Adequate insulation? Storm windows? Green features?
  • What appliances are included in the sale? How old is the water heater?



Nov. 21, 2019

Before You Start Your Home Search

How will you know the right home? Its not always as easy as you may think. Considering the following topics before you begin your search may help you be more decisive when the time comes to choose a home.


  • Will you be looking in urban, suburban, semi-rural or rural areas
  • How much personal space do you need? A nice yard, an acre or more?


  • Are the homes well maintained
  • How far apart are the houses
  • Any neighborhood restrictions on pets, parking, lawns etc.
  • Are vehicles primarily parked in the driveway, garage or on the street
  • What churches are nearby
  • Are there emergency personnel stations close
  • How close is the nearest hospital


  • Are public, charter and private schools available
  • Is there a school bus route nearby


  • How long will your daily commute be
  • Are there commute options available 

Recreation and Entertainment

  • Types of indoor and outdoor sports activities
  • How far is the nearest library
  • What is available for entertainment



Nov. 14, 2019

How To Choose a Lender

There are numerous loan programs and government backed loans offered by a variety of lending institutions. Your lender will be familiar with many of these options; however, you should do your homework. Research which ones have special offers to find the one best suited for you. Here is a list of common questions to ask, as you interview and consider your lending options.

  •  Do you have "in house" underwriting? 
  •  What is your expected turn around time for approval?
  •  What are the current rates for the programs you work with?
  •  Are both fixed and adjustable rates offered?
  •  What are the other fees a lender may charge me?
  •  Is there a maximum limit on a rate change?
  •  Do you currently have any special offers?
  •  How much cash will I need to begin?
  •  Are there "points"? (ask lender to explain what that is)
  •  Can the term of a loan be extended?


Oct. 20, 2019

10 Mistakes Buyers Make...and How NOT To Make Them

Buying a home especially as a first time home buyer can be overwhelming, let us help you navigate the most common mistakes that are made and how to avoid them.

  •  Choosing the wrong agent that is not committed to listening to you needs
  •  Not knowing how much you can afford
  •  Not having a pre approval letter
  •  Falling for the "Perfect Home" trap
  •  Underestimating the cost
  •  Assuming foreclosures are the best value
  •  Not matching your long term goals
  •  Choosing the wrong neighborhood
  •  Not getting the necessary home inspections
  •  Deciding you do not need a Home Protection Plan


Sept. 13, 2019

Prime Home Selling Season

Fall is fast approaching and although it isn't historically a popular time to sell. With the changing financial and real estate climate October, November and December can actually be great months to sell, because there is less competition. Now is the time to plan for it if you've ever considered putting your home on the market while interest rates are at and all time low thanks to Brexit. CLICK HERE to view our article Prime Home Selling Season

Aug. 23, 2019

One of The Biggest Investments You May Ever Make

Buying a home can be a daunting process. You want and need to know what kind of home you can look for and what will fit into your budget. You will need to consider what up front fees and expenses will most likely come your way. These will be costs that need to be covered out of pocket, in addition to any required down payment. Cost may include a home inspection, a terminate inspection, an appraisal, and fees for your loan processing (often built into the loan) just to name a few. Your lender will assist you in all financial aspects.

July 29, 2019

Pre Approved vs Pre Qualified

You are ready to buy a home, and now the next very important step is being per approved! This term is often used interchangeably with pre qualified, though they area two very separate terms. Becoming pre qualified is the step before being pre approved. Pre qualification is an estimate of how much you can afford in a mortgage payment based upon the information you provide the lender. Pre approval is a firmer commitment on behalf of the mortgage company after they have run a credit check, checked employment verification and researched your payment history on other loans. With a letter of pre approval from your lender, you will advance on to looking at properties and then entering in to the negotiating phase of purchasing. The letter becomes the item which assures the seller that your offer is viable. This is very important in a competitive market especially when the seller may be considering multiple offers.

July 16, 2019

Mortgage Rates Holding at Two Year Low

Mortgage rates have been hovering at a two year low, and 3.75% for the month of July. They had previously predicted the rates would surge to 5% by the middle of 2019, which continues to make it an ideal time for potential buyers and investors to finance real estate. The fluctuation in mortgage rates could mean the difference in a three or four bedroom home or your dream neighborhood and school district.

CLICK HERE to view our article 12 Questions To Ask Your Real Estate Professional 

June 19, 2019

Asking Price

When deciding on an asking price for your home or property, looking objectively is crucial to your success. Starting with a credible basis for evaluating your homes market worth; your agent should offer you a detailed market analysis for this purpose. If your home has recently expired ask yourself "why wouldn't I have bought it?" and how do these factors compare to your home and asking price. Also, looking at your competitors and other homes in your area gives an immediate perspective on your local market. Draw a bottom line price from all pertinent information and ask your agent to provide you with a sellers net sheet with various amounts calculated. This will show you clearly your closing costs and anything else effecting the bottom line, and allow you to see the true net you will receive from each varying offer. 

Posted in Asking Price