There are several credit reporting sites on the web that can let you know where your credit stands and also offer some advice on how to improve or maintain your credit score. Make sure to choose a reputable site that won’t use your information for unwanted purposes or that will keep running your score without your permission. These things can have a negative impact when a lender goes to check your credit for a loan. Don’t trust the web? No worries, you can visit your local bank and they can help you discover what your credit score is and what if anything you need to do to improve or maintain it.
Tip #2: Save Money
You will need to have money for your earnest money deposit , which is an amount of money you give as a deposit that shows your intention to buy the home and gets applied to your purchase price at closing. There are also other costs such as down payment and closing costs to consider as well.
Tip #3: Start Your Search
Once you know where you want to live and how much you can afford, now is the time for you to search and find just the rightState Wide Realtyagent. A State Wide agent will work with you through each step of the home buying process and beyond. Be careful when searching real estate online most websites have delays in updating information or will present information that is misleading or confusing. YourState Wide Realtyagent can tell you what is on the market now and also notify you when new listings hit the market.
Tip #4: Have Patience
It would be wonderful if everyone fell in love with the first home they saw and never had to look at another home again BUT that is very rarely the case EVER! Go into your home search with the understanding that waiting for the right place may be longer in some cases than others. This is a major life purchase that requires plenty of time and thought put into it.
Tip #5: Don’t Settle
Buying a home just to buy one is not a wise choice because you have to live in this home every day so make sure you are getting what you want. There may be some comprises you make but you want to avoid choosing a home just because you are tired of looking, you feel it is the only option or you feel pressured to do so. YourState Wide Realtyagent will work with you to make sure that you are 100% ready to put an offer on a home and do so in a no-pressure atmosphere where you are the boss.
The best advice that I can give about buying a new home is to try and enjoy it. Each property you see is one step closer to the property you buy and believe me once you walk through your own front door for the first time all the other stuff won’t matter at all.
Call State Wide Realty Co at 434-392-6163 or visit our website atwww.VaStateWideRealty.comtoday to get started on your first home search.
State Wide Realty Tips: Common Mistakes When Selling Your Home
A.Pricing your home too high.The location, size and demand for properties all have an influence on what your home will sell for. Knowing what comparable homes in your neighborhood have sold for recently will help you set a reasonable price for your home. Any State Wide Realty agent can provide you with a FREE comparative market analysis (CMA) when listing your home so you know how to price your property to sell quickly.
B. Repairs Needed.The condition your home is in will greatly affect the sale of it. If your home is outdated or has obvious problems that need to fixed this will make it hard to sell. Ask your State Wide Realty agent about any updates they would recommend or things that need to be fixed so your home will sell quickly. A State Wide Realty agent can also let you know if your home has any issues that may not make it eligible for certain loans and how or what you could do to remedy it.
C. Bad Advertising.Getting your home in front of as many people as possible is important but it also needs to be done well. If your home is shown in a negative way through pictures, descriptions or video this will hinder your property being sold. A State Wide Realty agent will take pictures of your home free of charge and will also ask you about all of the things that make your home special. Highlighting what makes your home unique and utilizing effective marketing strategies is what your State Wide Realty agent is there for. Be a part of the process, share your home on social media, have your neighbors get the word out and give your opinions about what is being said about your home.
Getting a State Wide Realty agent will help you avoid making these mistakes that could cost you the sale. With over 375+ years of combined experience they will help you every step of the way. Call 434-392-6163 or visitwww.VaStateWideRealty.comtoday!
State Wide Realty: Top 5 Things that Delay Your Closing
Everyone is anxious to close on their home but many are amazed when they run into delays - first the lenders and the inspections, then the holidays roll around…..you find yourself thinking what's next? Here are some top things that can delay your closing so you know what to look out for.
1. Lenders – This can happen for a number of reasons, ranging from underwriter delays and appraisals not coming in as expected. Find out up front anything that you may need to provide to your lender and deliver requested paperwork in a timely fashion to avoid delays.
2. Inspections– or and can help prevent any delaysMany homeowners think that the home inspection covers it all. Don't make this mistake, although home inspections are important some contracts may require termite, well and /or septic inspections as well. Make sure that any problems reported in the inspections have been addressed before closing. * Be aware, most lenders require certain inspections such as termite/well tests to be completed within a certain number of days of closing and if closing happens after that they may require new tests to be done.
3. Holidays – Factor in extra time when scheduling your closing around a holiday. Many people forget about the minor holidays that close down city and county offices. Having your closing around such a holiday can delay the recording of your deed, which allows the seller and other parties involved to be paid.
4. Property not ready – Make sure that the seller has removed all items not conveying with the property out before closing. A walk-through with your State Wide agent before closing can help you see that the property is ready for you to move in. This should be done within a few days of closing so you can address any outstanding issues with the seller and not cause a delay in the closing date.
5. Time – the longer it stretches out the more likely the deal will never close!! If it doesn't kill it, time can still be costly. Many lenders charge the buyer a fee for every day past the closing date that a deal doesn't close….be aware of these clauses and make sure you meet the deadline or are ready to pay.
Let your State Wide Realty Agent help you through all of the steps to buying your new place. With over 375 years of combined experience they have been there and seen that when it comes to real estate transactions. Let our experience work for you by calling 434-392-6163 or visiting www.VaStateWideRealty.com today!
We want to wish everyone a safe and happy Thanksgiving.
We hope that it is full of family, friends, and time with those you love.-
From all the agents and staff at State Wide Realty Company
Larry Atkins/Broker, Bill Benhoff, Betty Eike, Marshall Thackston, Chuck Benhoff, Brian Atkins, Loretta Gant, Sheri Atkins, Montie Thomas, Brock Robinson, Bobby Jacobs, Alex Brown, Evelyn Francis, Margaret Atkins, David Whitus, Gay Benhoff and Ashley Robinson.
Send a card/write a note: The tradition of writing cards and notes may appear to be a thing of the past, but when you take the time to tell someone how much you appreciate them, it still makes an impact. Make the note personalized about why you are grateful. For example Dear Julie, the pie you made for my family and I was not only delicious but made us reminisce of pies we have had from years past. This shows the person you are truly invested in what you are saying and not just signing a card with someone else’s words.
Make a gift: There are tons of ideas on social media about DIY crafts that you can make and give to someone as a thank you. This doesn’t have to break the bank for instance you can make someone a paper fan and give it to them because they are so cool.
Pay a visit: Of course, if the person lives too far away this isn’t an option unless you do a virtual visit through the internet or a cell phone app. But if the person lives near then dropping by to talk to them and making that time will definitely show you appreciate them.
Pay it Forward: Being kind to others as someone was kind to you is not only the golden rule but makes you feel good as well.
Gratitude as Your Attitude: This will ensure that you take time to remember not to take anyone or anything for granted.
We are always grateful for our wonderful customers/friends that we have the honor of helping find just the right property. Our agents have a combined 375 years of experience and knowledge ready to use for you. Call us today at 434-392-6163 or visit www.VaStateWideRealty.com today!