de Prinz http://deprinz.com Wed, 23 Aug 2017 09:45:43 +0000 en-US hourly 1 https://wordpress.org/?v=4.6.7 10 Best Kept Secrets for Buying a Home http://deprinz.com/10-best-kept-secrets-for-buying-a-home/ http://deprinz.com/10-best-kept-secrets-for-buying-a-home/#respond Mon, 07 Nov 2016 10:27:40 +0000 http://deprinz.com/?p=286
Buying Secret #10: Keep Your Money Where It Is
It’s not wise to make any huge purchases or move your money around three to six months before buying a new home. You don’t want to take any big chances with your credit profile. Lenders need to see that you’re reliable and they want a complete paper trail so that they can get you the best loan possible. If you open new credit cards, amass too much debt or buy a lot of big-ticket items, you’re going to have a hard time getting a loan.
Buying Secret #9: Get Pre-Approved for Your Home Loan
There’s a big difference between a buyer being pre-qualified and a buyer who has a pre-approved mortgage. Anybody can get pre-qualified for a loan. Getting pre-approved means a lender has looked at all of your financial information and they’ve let you know how much you can afford and how much they will lend you. Being pre-approved will save you a lot of time and energy so you are not running around looking at houses you can’t afford. It also gives you the opportunity to shop around for the best deal and the best interest rates. Do your research: Learn about junk fees, processing fees or points and make sure there aren’t any hidden costs in the loan.

Property Brothers – Home Buying and Remodeling Tips 7 Videos

Buying Secret #8: Avoid a Border Dispute
It’s absolutely essential to get a survey done on your property so you know exactly what you’re buying. Knowing precisely where your property lines are may save you from a potential dispute with your neighbors. Also, your property tax is likely based on how much property you have, so it is best to have an accurate map drawn up.
Buying Secret # 7: Don’t Try to Time the Market
Don’t obsess with trying to time the market and figure out when is the best time to buy. Trying to anticipate the housing market is impossible. The best time to buy is when you find your perfect house and you can afford it. Real estate is cyclical, it goes up and it goes down and it goes back up again. So, if you try to wait for the perfect time, you’re probably going to miss out.
Buying Secret # 6: Bigger Isn’t Always Better
Everyone’s drawn to the biggest, most beautiful house on the block. But bigger is usually not better when it comes to houses. There’s an old adage in real estate that says don’t buy the biggest, best house on the block. The largest house only appeals to a very small audience and you never want to limit potential buyers when you go to re-sell. Your home is only going to go up in value as much as the other houses around you. If you pay $500,000 for a home and your neighbors pay $250,000 to $300,000, your appreciation is going to be limited. Sometimes it is best to is buy the worst house on the block, because the worst house per square foot always trades for more than the biggest house.
Buying Secret #5: Avoid Sleeper Costs
The difference between renting and home ownership is the sleeper costs. Most people just focus on their mortgage payment, but they also need to be aware of the other expenses such as property taxes, utilities and homeowner-association dues. New homeowners also need to be prepared to pay for repairs, maintenance and potential property-tax increases. Make sure you budget for sleeper costs so you’ll be covered and won’t risk losing your house.
Buying Secret #4: You’re Buying a House – Not Dating It
Buying a house based on emotions is just going to break your heart. If you fall in love with something, you might end up making some pretty bad financial decisions. There’s a big difference between your emotions and your instincts. Going with your instincts means that you recognize that you’re getting a great house for a good value. Going with your emotions is being obsessed with the paint color or the backyard. It’s an investment, so stay calm and be wise.
Buying Secret #3: Give Your House a Physical
Would you buy a car without checking under the hood? Of course you wouldn’t. Hire a home inspector. It’ll cost about $200 but could end up saving you thousands. A home inspector’s sole responsibility is to provide you with information so that you can make a decision as to whether or not to buy. It’s really the only way to get an unbiased third-party opinion. If the inspector does find any issues with the home, you can use it as a bargaining tool for lowering the price of the home. It’s better to spend the money up front on an inspector than to find out later you have to spend a fortune.
Buying Secret #2: The Secret Science of Bidding
Your opening bid should be based on two things: what you can afford (because you don’t want to outbid yourself), and what you really believe the property is worth. Make your opening bid something that’s fair and reasonable and isn’t going to totally offend the seller. A lot of people think they should go lower the first time they make a bid. It all depends on what the market is doing at the time. You need to look at what other homes have gone for in that neighborhood and you want to get an average price per square foot. Sizing up a house on a price-per-square-foot basis is a great equalizer. Also, see if the neighbors have plans to put up a new addition or a basketball court or tennis court, something that might detract from the property’s value down the road.
Today, so many sellers are behind in their property taxes and if you have that valuable information it gives you a great card to negotiate a good deal. To find out, go to the county clerk’s office.
Sellers respect a bid that is an oddball number and are more likely to take it more seriously. A nice round number sounds like every other bid out there. When you get more specific the sellers will think you’ve given the offer careful thought.
Buying Secret #1: Stalk the Neighborhood
Before you buy, get the lay of the land – drop by morning noon and night. Many homebuyers have become completely distraught because they thought they found the perfect home, only to find out the neighborhood wasn’t for them. Drive by the house at all hours of the day to see what’s happening in the neighborhood. Do your regular commute from the house to make sure it is something you can deal with on a daily basis. Find out how far it is to the nearest grocery store and other services. Even if you don’t have kids, research the schools because it affects the value of your home in a very big way. If you buy a house in a good school district versus bad school district even in the same town, the value can be affected as much as 20 percent.
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5 Most Important Priorities When Choosing an Apartment http://deprinz.com/5-most-important-priorities-when-choosing-an-apartment/ http://deprinz.com/5-most-important-priorities-when-choosing-an-apartment/#respond Mon, 31 Oct 2016 16:53:10 +0000 http://deprinz.com/?p=1 Whether you’re shopping for your first apartment, you’ll need to prioritize what matters most for your search. From cost to conveniences, here’s a list of the top five things to evaluate before renting your next home.

5. The amenities

An apartment’s included amenities should be low on your priority list, but they’re still worth considering. Sure, a washer and dryer or parking spot is nice to have, but if they aren’t available, see what your other options are. For example, if the landlord doesn’t offer on-site laundry, where is the nearest laundromat?

If it’s inconvenient to access alternatives, ask the property manager what he or she can offer in exchange. If you bring up the downsides, the landlord might be willing to budge in other areas such as the cost of rent.

4. The damage

When touring a potential apartment, take note of any visible damage and mention it to the landlord. Find out if they are willing to fix the damaged items before the start of your lease; if not, ask for lower rent or amenities in exchange. Be sure to take pictures of any dings or nicks, and remind the landlord or property manager to detail the items in the lease.

Furthermore, inquire about what your potential landlord considers damage. What you consider decorating, your landlord could see as a hole in the wall.

3. The price

It’s important to compare prices of other local properties on Trulia. Likewise, examine the costs of your previous apartments and see how they compare. Is the price of the apartment fair? If it is, can you comfortably afford it? You may be ready for an upgrade, but is your paycheck? Write down your monthly budget items. If you want a nicer place, consider what you’ll have to cut to afford it.

2. The neighborhood

You can scope out neighborhoods several ways before you sign a lease.Evaluate the safety of a city or to check out school boundaries. Visit the area at different times of the day and night to get a feel for the usual activity and noise level. And talk to the neighbors. If you neglect proper research, you could be moving into a retirement community or a crowded college party town without even knowing it.

1. The lease

This is arguably the most important aspect of an apartment. All other features depend on it. The list of included amenities, previous damage, lease term, and price should all be clearly stated in the contract. Read it, and make sure you fully understand what you’re signing. What if you’re unhappy with your neighbors? Do you know what it would cost to break the lease? Can you sublet if you decide to travel?

Now that you’ve established your priorities, it’s time to start apartment hunting.

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