Buyer Tips

All Blog Posts Track Closing Costs Be prepared and know who’s responsible for the variety of fees and expenses at the closing table. *Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you. ** Because such costs are usually paid on either a monthly or yearly […]
All Blog Posts About the Appraisal Process Once you are under contract, the buyer’s lender will send out an appraiser to make sure the purchase price is in line with the property’s value. Appraisals help guide mortgage terms. The appraised value of a home is an important factor in the loan underwriting process. Although lenders may use the sale price to determine […]
All Blog Posts How to Hire a Remodeling Contractor Shop around for the right company. Get at least three written estimates. Ask for and check references. If possible, look at jobs the contractor recently completed.  Check with your local chamber of commerce or Better Business Bureau for complaints. Be sure the contractor has the necessary licenses and insurance, and the ability to obtain permits. […]
All Blog Posts How to Hold a Successful Garage Sale Garage sales can be a great way to get rid of clutter and earn a little extra cash before you move. But make sure you plan ahead; they can take on a life of their own. Don’t wait until the last minute. Depending on how long you’ve lived in your home and how much stuff […]
All Blog Posts Calculate Capital Gains When you sell a stock, you owe taxes on the difference between what you paid for the stock and how much you got for the sale. The same holds true in home sales, but there are other considerations. How to Calculate Gain A Special Real Estate Exemption for Capital Gains Up to $250,000 in capital […]
All Blog Posts Prepare for Your Move Update your mailing address. You can do this at usps.com or fill out a change-of-address form at your local post office.  Change your address with important service providers, Such as your bank(s), credit companies, magazine subscriptions, and others. Create a list of people who will need your new address. Whether you plan on sending formal […]
All Blog Posts Pack like a pro   Plan ahead. Develop a master to-do list so you won’t forget something critical heading into moving day. This will also help you create an estimate of moving time and costs.  Discard items you no longer want or need. Ask yourself how frequently you use an item and how you’d feel if you no longer […]
All Blog Posts Moving with Pets Update your pet’s tag with your new address. Make sure your pet’s collar is sturdy and correctly sized. The tag should also include your mobile number and e-mail address so that you can be reached during the move. Request veterinary records. Ask your current vet to send your pet’s medical history directly to the new […]
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