Realty Vision


Posted by Realty Vision on 12/28/2017

If youíre in the market to buy a home, youíre probably learning many new vocabulary words. Pre-approved and pre-qualified are some buzz words that youíll need to know. Thereís a big difference in the two and how each can help you in the home buying process, so youíll want to educate yourself. With the proper preparation and knowledge, the home buying process will be much easier for you.  


Pre-Qualification


This is actually the initial step that you should take in the home buying process. Being pre-qualified allows your lender to get some key information from you. Make no mistake that getting pre-qualified is not the same thing as getting pre-approved.


The qualification process allows you to understand how much house youíll be able to afford. Your lender will look at your income, assets, and general financial picture. Thereís not a whole lot of information that your lender actually needs to get you pre-qualified. Many buyers make the mistake of interchanging the words qualified and approval. They think that once they have been pre-qualified, they have been approved for a certain amount as well. Since the pre-qualification process isnít as in-depth, you could be ďqualifiedĒ to buy a home that you actually canít afford once you dig a bit deeper into your financial situation. 


Being Pre-Approved


Getting pre-approved requires a bit more work on your part. Youíll need to provide your lender with a host of information including income statements, bank account statements, assets, and more. Your lender will take a look at your credit history and credit score. All of these numbers will go into a formula and help your lender determine a safe amount of money that youíll be able to borrow for a house. Things like your credit score and credit history will have an impact on the type of interest rate that youíll get for the home. The better your credit score, the better the interest rate will be that youíre offered. Being pre-approved will also be a big help to you when you decide to put an offer in on a home since youíll be seen as a buyer who is serious and dependable.  


Things To Think About


Although getting pre-qualified is fairly simple, itís a good step to take to understand your finances and the home buying process. Donít take the pre-qualification numbers as set in stone, just simply use them as a guide. 


Do some investigating on your own before you reach the pre-approval stage. Look at your income, debts, and expenses. See if there is anything that can be paid down before you take the leap to the next step. Check your credit report and be sure that there arenít any errors on the report that need to be remedied. Finally, look at your credit score and see if thereís anything that you can do better such as make more consistent on-time payments or pay down debt for a more desirable debt-to-income ratio.





Posted by Realty Vision on 12/21/2017

Adding a residence to the real estate market can be stressful, particularly for a first-time home seller. Fortunately, we're here to help you maintain a positive outlook as you await offers on your house.

Now, let's take a look at three tips to help a first-time home seller remain calm, cool and collected after he or she lists a residence.

1. Set Realistic Expectations

Although a first-time home seller might expect dozens of offers in the days following a house's addition to the real estate market, it may take some time to stir up interest in a residence. However, a home seller who establishes realistic expectations from the get-go will know how to stay the course throughout the property selling journey.

A first-time home seller should understand both the best- and worst-case scenarios. That way, a home seller will know how to respond to any potential pitfalls that may arise.

Furthermore, a first-time home seller should have a plan in place for what will happen after a home offer is accepted. This will ensure a home seller is fully prepared to vacate a house as quickly as possible.

2. Learn About the Housing Market

The housing market is exceedingly complex, especially for those who are selling homes for the first time. Conversely, a first-time home seller who takes a diligent approach can gain the real estate market insights to make confident decisions.

For example, a first-time home seller should analyze the competition closely. By looking at the prices of similar houses that are available, this home seller can establish a competitive price for a house and increase his or her chances of a quick home sale.

A first-time home seller also should check out the prices of recently sold houses in his or her city or town. By doing so, this home seller can find out whether he or she is entering a buyer's or seller's market and plan accordingly.

3. Collaborate with a Real Estate Agent

Selling a home may seem like a simple process on paper, but challenges can quickly arise that prevent a first-time property seller from achieving his or her desired results. But with support from a real estate agent, a first-time home seller can get the assistance that he or she needs to remain confident at each stage of the property selling journey.

A real estate agent understands the challenges associated with selling a house and will help a property seller avoid such problems. In fact, a real estate agent is happy to provide expert guidance to help a first-time home seller operate like a home selling professional.

Perhaps best of all, a real estate agent will respond to a first-time home seller's concerns and queries. This guarantees a home seller can obtain unparalleled insights into how to set a competitive price for a residence, how to bolster a house's interior and exterior and much more.

Want to keep things positive as you proceed along the home selling journey for the first time? Use the aforementioned tips, and you can maintain a positive outlook as you navigate the home selling cycle.




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Posted by Realty Vision on 12/14/2017

There are plenty of things to worry about around your home when you have kids. One of your top priorities should be safety for your kids. If you look closely, youíll find some hidden safety dangers around your home that should be addressed. The top culprits can be found described in detail below.


The Dishwasher


Your dishwasher is something that you probably use every single day. There are a few considerations that you need to make about the dishwasher when you have kids. First, the door should have a good locking mechanism. If the door to the dishwasher doesnít shut properly, all if takes is a little tap for the door to release and fall right on top of your child who is either walking or crawling around the house.


The other point to consider about a dishwasher is the actual contents of the dishwasher. Silverware, especially sharp objects, should be left pointing downward. This is in case the washer is left open and the child gets at it. You donít want sharp knives pointing upward that could cause an injury to your child. The detergent can also be a hazard to your child. Whether you are using pods, liquid detergent, or the powdered kind, all pose poison control risks and choking hazards to your kids. Keep the dishwasher closed and locked when it is not in use. Also, be sure to wipe down your dishwasher in case of any debris thatís left from your detergent. 


Ovens And Ranges


If your range or oven is not installed properly it could cause serious harm to your kids. For safety, be sure that ranges have anti-tip brackets installed. This way if the child leans on the stove or climbs it, the unit will not fall on them, posing the risk of serious injury. 


Wall ovens should be secured as well. Make sure that the door of the oven locks and cannot fling open easily. When cooking, use the back burners in stead of the front. You should also keep the pot handles turned inward so they arenít as easy for kids to reach.  


The Nursery


The nursery is where your child will spend a lot of their time. First, you should start with the crib. The crib needs to be firm and nothing should be in the crib other than the mattress and a tightly fitted sheet around the mattress until the baby is old enough. The crib should also be sturdy. Itís preferable to have a new crib for the baby as occasionally, hand me down cribs can be missing parts or have faced major amounts of wear and tear. The nursery should also be free from excessive cords and be equipped with window locks. This way, youíll be able to put your child to sleep with peace of mind.         






Posted by Realty Vision on 12/7/2017

Getting a new dog is every child's dream. But dogs aren't just great for the kids, they can be a great companion for an individual or a couple in their new home, or as a way to cope with empty nest syndrome when the kids leave. Whether you buy a puppy or adopt a dog in need of a good home, you'll need to do a lot of training. One of the first mistakes dog owners make is to think that training is something you only need to do until your dog learns the rules. However, training is an ongoing process that will help build your relationship with your dog and keep you both happy. If you're thinking about bringing home a new dog, follow these home training tips to make sure your dog understands†the rules of the house and can stay out of trouble.

Have a house meeting

Before bringing your new dog home you're going to want everyone in your home to be on the same page about rules for the dog. Dogs are very intelligent and malleable creatures, but they will learn best and be less confused if everyone is teaching them the same behavior. That means if there's a "no dogs on the couch" rule, everyone needs to enforce it. Similarly, the commands you use for your dog should all be the same within the house. If one member of the family calls the dog by saying "come" and another says "here, boy" they will probably eventually get the idea, but the best approach is for everyone to use the same words, especially when the dog is first learning.

Setting some rules

So you have your new dog... congratulations! Now comes the hard part: not babying them and letting them have their way all the time. You need to teach your dog to respect you and your home. That does not mean your dog should fear you. In fact, having a dog that is afraid of you can lead to many problems including disobedience and aggression towards you and other people. To build trust and respect with your dog it will talk a lot of work (and treats) on your part. Here are some important training tips for training a dog in your home. FOOD As a dog's most important resource, food and water routines are central to training your dog. Dogs are creatures of habit and should be fed at the same time every day. To build good habits, make your dog sit while to give them their food and ten call them over to eat. This will teach them that you are in control and that you can be trusted with their food source. When it comes to table food, avoid getting in the habit of letting your dog eat food that was on your plate. It may seem like a waste, but it is in the best interest of you and your dog to stick to just dog food for the pup. FURNITURE† You may be tempted to let your dog jump up on the couch or bed with you, but by doing so you're giving them permission to show dominance. Get a comfy dog bed or crate for your dog where they will feel at home. This will teach them that you're the boss and†help save your furniture from messes. BED TIME It's tempting to let your dog hop up on your bed with you at night to sleep like a cat might. But in doing so, you might be setting yourself up for having a dog who is overprotective of you and pushy when it comes to where he can be. Your dog's crate or dog bed are both†safer places for him to be and will help lessen separation anxiety overnight.  




Tags: home   pets   dog   house   dogs   family   house training   rules  
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Posted by Realty Vision on 11/30/2017

Employing a real estate agent offers an ideal first step for those who want to buy the perfect residence, and for good reason.

With a real estate agent at your disposal, you'll be better equipped than other homebuyers to find a wonderful house at a price that matches your budget. Plus, your real estate agent will be able to help you navigate each stage of the homebuying process.

What should you expect after you hire a real estate agent? Here are three things that will happen:

1. You'll narrow your home search.

What are you looking for in the perfect house? Ultimately, you'll need to narrow your home search to ensure that you can discover your dream residence without delay.

Luckily, your real estate agent will allocate the necessary time and resources to help you narrow your home search. By doing so, you'll be able to move one step closer to finding a first-rate home that you can enjoy years to come.

2. You'll visit a wide range of high-quality houses.

Your real estate agent will set up home showings and keep you up to date about open houses in your area. That way, you can stay on top of the housing market, browse a broad array of top-notch residences and find one that suits you perfectly.

As you browse houses, don't forget to provide your real estate agent with questions. This will enable you to make a more informed decision about how to proceed following a home showing or open house.

Furthermore, your real estate agent wants feedback to guarantee that you can explore houses that correspond to your lifestyle and budget. And if you view a home that fails to meet your criteria, let your real estate agent know immediately. This will make it easier for your real estate agent to find houses that meet or exceed your expectations, and as a result, may help you accelerate the homebuying process.

3. You'll submit your first offer on a home.

If you've reviewed a variety of houses and find a residence that you would like to purchase, now is the perfect time to submit an offer.

Your real estate agent will offer recommendations to ensure that you can submit a competitive offer on a house. In addition, this real estate professional can provide details about how long a home has been available, if a home seller has lowered the price of a residence recently and other factors that may impact your initial proposal.

Submitting an offer on a house can be stressful, but you can always reach out to your real estate agent for support. Your real estate agent will keep you up to date about whether a home seller accepts, rejects or counters your offer. And if you receive a "Yes," your real estate agent can help you take the next step toward acquiring your dream home.

Before you begin a home search, hire a real estate agent Ė you'll be happy you did. A real estate agent can simplify the homebuying process and help you achieve your homeownership dreams.




Tags: Buying a home  
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