Do Staged Homes Sell Faster? It’s overwhelming to clear and sell a home that’s been occupied for many years—the piles of papers, trunks full of tchotchkes, mountains of miscellany. Nobody knows this more than Glendale, Calif.-based Betsy Wilbur, who professionally “stages” homes for sale. But with a small investment of time and/or money, homes that are set up to sell can reap more rewards than ones that haven’t been staged —and even vacant houses. “Staging can save you from a costly price reduction,” Wilbur says. “A staged home will sell for 17% more on average than a non-staged home, and 95% of staged homes sell in 11 days or less. That is statistically 87% faster than non-staged homes.” Call Amber Cyman now to talk about selling your home. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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How Do You Buy A House For The First Time? First-Time Home Buyer Tips Pay Off All Debt and Build an Emergency Fund. Determine How Much House You Can Afford. Save a Down Payment. Save for Closing Costs. Get Preapproved for a Loan. Find a Home for Sale in Your Price Range. Research Neighborhoods for Best Fit. Attend Open Houses and Think Long Term. Make a Competitive Offer (That’s Within Your Budget!) Prepare for Closing Call Amber Cyman now to talk about selling your home. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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How Do I Buy My First House? Buying your first home is one of the biggest financial steps that you will ever make. It is important to take this decision seriously. You'll also need to take the time to prepare yourself for this important milestone. Follow these steps to ensure you're ready to purchase your first home. Determine If You Are Ready to Buy a Home Start Shopping for a Loan Find the Best Payment Options and Loan Types Be Honest About What You Can Afford Find a Good Realtor Request a Home Inspection Be Patient During Escrow Close and Move In It is important to realize that you need to include the cost of taxes and homeowner's insurance into your monthly housing cost. With the insurance and taxes, your monthly housing costs should not be more than 30 percent of your monthly salary. Call Amber Cyman now to discuss buying a second home. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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How Do You Buy A House For The First Time? First-Time Home Buyer Tips Pay Off All Debt and Build an Emergency Fund. Determine How Much House You Can Afford. Save a Down Payment. Save for Closing Costs. Get Preapproved for a Loan. Find a Home for Sale in Your Price Range. Research Neighborhoods for Best Fit. Attend Open Houses and Think Long Term. Make a Competitive Offer (That’s Within Your Budget!) Prepare for Closing Call Amber Cyman now to talk about selling your home. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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How Much Deposit Do I Need For A 450,000 House? For a $450,000 home, a hypothetical deposit might need to be between $22,500 (5% deposit) and $90,000 (20% deposit), depending on the loan. The first step is to figure out how big a home loan you can comfortably afford. To do that, you can put your income and expenses into the borrowing calculator below. That will give you a rough guide to how much you might be eligible to borrow. Call Amber Cyman now to talk about buying your dream home. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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How do I find a real estate agent? There’s no shortage of real estate agents vying for the job via online ads, postcards and yard signs, but with so many professionals to choose from, finding the right one can feel overwhelming. Follow these tips on how to find a real estate agent to make sure you hire the perfect pro: Talk to a lender before you hire a real estate agent. Get referrals from your network. Research potential candidates. Interview at least three real estate agents. Request references — and check them. Go with your gut. Take a close look at your contract. Call Amber Cyman now to discuss buying a waterfront house. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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What is a typical realtor fee? Home sellers might have the sense that real estate agents charge an exorbitant fee for their services, but some in the business believe they’re not getting paid nearly enough. Realtor fees can vary depending on what part of the country you’re in and what type of home you’re selling. To better understand real estate commissions, here’s an overview of Realtor fees and how Realtors are paid. Realtors are typically paid by the home sellers. After interviewing a few agents, home sellers sign a listing agreement with one in which they agree to pay a commission fee, which can be negotiated but is typically about 5 percent to 6 percent of the sales price. Call Amber Cyman now to discuss buying a waterfront house. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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What Is Minimum Down Payment For A Second Home? Conventional loans for vacation homes are an option, but be prepared to make a larger down payment, pay a higher interest rate and meet tighter guidelines than you would for a mortgage on your principal residence. The minimum down payment for a vacation home is usually 20% for a mortgage guaranteed by Fannie Mae or Freddie Mac, but many lenders have raised their minimum down payment requirement to 30% or even 35% for a second home. To qualify for a conventional loan on a second home, you will typically need to meet higher credit score standards of 725 or even 750, depending on the lender. Your monthly debt-to-income ratio needs to be strong, particularly if you are attempting to limit your down payment to 20%. All borrowers need to fully document their income and assets for a second home loan because lenders will need to see significant cash reserves to make sure you have the resources to handle payments on two homes. Call Amber Cyman now to talk about buying your dream home. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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Can I Get A Home Loan With No Deposit? Yes, you can, but you will need a guarantor. Most people who get no deposit loans are first home buyers who will live in the homes they purchase. Most lenders prefer these types of buyers as they usually pay their loans on time. To get the loan approved, however, you will need a guarantor. Some banks also offer 105% loans as long as you have a parent who can act as guarantor. The extra 5% is for additional costs such as stamp duty on top of the loan amount. Buyers can remove the guarantor as they pay off the loan or the property increases in value. Call Amber Cyman now to talk about buying your dream home. Amber Cyman Real Estate 511 E Front St Suite 102 Traverse City, MI 49686 231-944-9979 https://ambercyman.com https://www.google.com/maps?cid=6707706476642726282
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