Joel Mistretta's Blog
For many individuals, the homebuying journey often begins with getting pre-approved for a mortgage. Because if a buyer has a mortgage, he or she can enter the real estate market with a budget in hand.
Ultimately, there are many signs that now may be the perfect time to apply for a mortgage, and these include:
1. You're ready to upgrade from an apartment to a home.
If you're tired of paying monthly rent for an apartment, purchasing a house offers a viable alternative. And if you get pre-approved for a mortgage, you can move one step closer to moving from an apartment to a house.
In most instances, a home offers a significant upgrade over an apartment. Many residences are available in cities and towns nationwide that offer more space than apartments. Plus, as a homeowner, you won't have to worry about dealing with a landlord.
2. You feel good about your credit score.
If you have a strong credit score, you likely are a great candidate for a mortgage. In fact, you may be better equipped than others to get a favorable interest rate on the mortgage of your choice.
Understanding your credit score is a key part of the homebuying journey. You can request a free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). Then, once you find out your credit score, you can determine whether you are in good shape to pursue a mortgage.
3. A buyer's market is in place.
In a buyer's market, there usually is an abundance of top-notch houses and a shortage of buyers. This means a homebuyer may be able to get a wonderful deal on a house, especially if he or she performs a comprehensive house search.
To find out whether a buyer's market is in place, you should check out the prices of recently sold houses in your area. Also, you may want to find out how long recently sold houses were listed before they sold. By reviewing this housing market data, you can differentiate a buyer's market from a seller's market and decide whether now is the right time to apply for a mortgage.
If you're interested in getting a mortgage and starting a house search, you may want to hire a real estate agent too. Because if you have a real estate agent at your side, you can receive extensive support at each stage of the property buying journey.
A real estate agent will teach you everything you need to know about pursuing a house. He or she will offer insights into the local housing market and ensure that you can conduct a successful house search. And if you ever have concerns or questions along the way, a real estate agent is ready to respond to them.
Want to launch a home search? Get pre-approved for a mortgage, and you can take the first step to acquire your ideal residence.
We’ve all seen the way landscaping and decorating trends can sweep through a neighborhood. Some are practical, like planting drought-resistant vegetation. Others are purely aesthetic choices.
In this article, we’re going to break down some of the latest trends in landscaping. Who knows, you might be inspired to get out and revamp your front or backyard with one of these ideas. Read on for some of the latest and greatest landscaping techniques for your home.
Landscaping you can eat
One trend that is making a comeback is growing herbs and vegetables. We’re not talking about a backyard garden in a chicken wire fence (although those are great, too!)--what we’re referring to is planting herbs and colorful lettuces right in your front yard. Well-placed plants look natural and can save you money at the grocery store at the same time. Just make sure they’re planted in soil appropriate for growing vegetables.
Similarly, many people are rediscovering the native fruit trees, bushes, and vines of their area. Adding these items to your yard will give you something sweet to eat and also a sense of pride in your region. So, find out which fruits and vegetables grow well in your area and find some to compliment your yard.
We’ve all seen the headlines. Climate change is upon us, and water shortage is one of the chief long term concerns. To save water and keep the front yard looking manicured, many people are turning to vegetation that can resist long periods of time without water.
There are drought tolerant plants in almost every family of flora. From flowers to shrubs and even grass. However, many homeowners in areas warm areas prone to drought are opting out of grass completely in favor of stone pathways lined with hardy, yet beautiful, cacti.
Actually comfortable outdoor seating
The days of uncomfortable plastic and metal chairs are numbered. Waterproof outdoor seating has improved immensely in the last few years and a greater number of people taking advantage of it.
Another indoor comfort that is taking root outdoors is the use of varied lighting techniques and colors to create different moods, be it calm or whimsical.
Let it grow
Many homeowners, fed up with having to mow their lawn every weekend instead of spending it relaxing, are opting to let their grass grow out. Planting shade-giving trees, incorporating natural boulders, and creating stone walkways give a wild, but pleasant feeling reminiscent of an English garden.
Where there is grass, it is often left to grow to “meadow” length to complement the natural feeling of the rest of the yard. Planning out such a yard, however, takes time, or you could end up with a backyard that looks like it just hasn’t been taken care of.
What are your favorite backyard landscaping trends?
For a home seller who wants to maximize his or her house sale earnings, it may be beneficial to invest in property improvements. In fact, there are many reasons why now may be a good time to perform property upgrades. These reasons include:
1. You can make your house an attractive option to prospective buyers.
As a home seller, it is important to do everything possible to help your house stand out to potential buyers. If you dedicate time and resources to perform property improvements, you could make your home an attractive option to buyers. And as a result, you may be able to speed up the home selling journey.
When it comes to performing home improvements, it is important to remember that even minor upgrades can make a world of difference. Thus, if you start small with home improvement projects, you may be able to significantly enhance your residence.
2. You can differentiate your house from the competition.
Oftentimes, it can be tough for a home seller to differentiate his or her residence from comparable properties in the same city or town. If you conduct home improvements, however, you could distinguish your home from the pack.
New siding, a new roof or other home upgrades are sure to impress lots of prospective buyers. Therefore, if you invest in home improvements, you could make it easy for buyers to see exactly what your house has to offer. And if a buyer likes what he or she sees, this individual may be more inclined than ever before to submit an offer to purchase.
3. You can boost your house's value.
Home improvements enable you to upgrade your house's condition. As such, you could bolster the value of your home if you invest in property improvements today.
Ultimately, it may be helpful to conduct home improvements and receive a property appraisal before you list your residence. This may allow you to receive the best-possible appraisal for your house. Perhaps most important, with an appraisal report in hand, you can price your home competitively based on its age and condition.
As you prepare to enter the housing market, you may want to hire a real estate agent too. If you employ a real estate agent, you can receive extensive support throughout the property selling journey.
In most instances, a real estate agent can offer recommendations about potential home improvements. This housing market professional can help you prioritize home improvement projects and ensure you can make the most of the time and resources at your disposal.
A real estate agent also will respond to your home selling concerns and questions at any point during the property selling journey. Plus, he or she will host home showings and open house events and do whatever it takes to generate interest in your house.
Perform home improvements – you'll be glad you did. If you upgrade your residence both inside and outside, you could increase the likelihood of a fast, profitable house selling experience.