The Lucky Team

If you're feeling the urge, let's connect so you can get a clearer picture of the market and what's involved.

Motivations causing sellers to move Multiple reasons can motivate a homeowner to sell their home of which include economic, lifestyle, family size, and personal.

Your real estate agent can make a recommendation to connect with someone that will get you ready to get back into the game.

On the sidelines to buy a home If you're on the sidelines to buy a home, there are things you can do to be ready when you do get back in the game like improving your credit score and continuing to save for a down payment that will not require mortgage insurance.

It is important to know your limitations before undertaking a project and YouTube can be a great resource to see what is involved.

DIY Home Repairs Saving money and enjoying the results of your own labor can be a motivating reason for do-it-yourself home repairs.

The American flag should be hung at half-staff until noon on Memorial Day and then, raised full staff.

Memorial Day Honoring the men and women who died while serving the U.S. Military for the freedom and privilege we all enjoy in this country.

It's important to look at the overall picture and your agent can give you the facts to see it clearly.

Look beyond today's interest rates Waiting for rates to come down is costing you more in price due to continued appreciation; not to mention, the lost equity you could be building up.

Using the "right" real estate professional is key because they can offer help to get the other things done.

Tips for a FAST Home Sale Homes will sell faster and for more money when proper preparation is done before it goes on the market for sale.

Appraisals can be a confusing but a necessary part of the process when the buyer needs a mortgage and your agent is available to guide you through the process and may even be able to minimize the likelihood that it becomes an issue.

Handling an Appraisal Gap An appraisal gap describes the difference between the sales price and the lower amount of the appraisal required by the mortgage being obtained by the buyer and becomes an issue if the seller is not willing to lower the price or the buyer is not willing to pay the difference in cash.

Your real estate professional can offer you recommendations based on their experience.

Home Warranties are worth considering There are many benefits for having a home warranty but peace of mind by covering unexpected and expensive repairs is at the top of the list.

This could make the difference in getting into a home; ask your agent if they have experience with these types of programs.

Overcoming down payment and closing cost barriers Fannie Mae has programs for as little as 3% down payment and three other sources of closing costs and down payment assistance.

Working with an experienced agent with seasoned negotiation skills is key to your success in buying a home in a competitive environment.

Make your home offer the most appealing With increased competition in the market because of low inventory, you as a buyer and your offer to purchase need to be seen as the solution to the seller's situation in price, terms, and reliability to close.

Rates may never return to the 4% range again and if they do come down some, the pent-up demand is going to drive prices and competition to greater levels. Now may be the best opportunity in the near future to buy and sell.

Lack of existing home inventory means no home price collapse coming People staying in place for fears that the current market may repeat the housing crisis of the Great Recession should be comforted that there is no over-supply of inventory that will lead to a decline in values.

It's true for buying real estate too, whether it is your home or rental property.

Arbor Day 2023 Arbor Day Thought - The best time to plant a tree is 20 years ago and the second-best time is NOW!

Price reduction on this beautiful home in Warren, NJ! Video Link in the comments!

128 Mountain Ave, Warren Twp., NJ, 07059 This elegant, modern colonial - country style home featur...

The demand for housing is high; let's connect and I can bring you up-to-date with your neighborhood and why you're considering a move now.

4 Reasons to List NOW, instead of waiting Finding the best time to move is like deciding not to shop when everyone else is in the store and things are picked over.

Most homeowners don't worry about the gain because the exclusion has been so high but with prices having skyrocketed, more people could be facing gains above the exclusion and proper paperwork may help.

Improvements to your home raise the basis Any improvements made to the home during your ownership can raise the basis in the home which will reduce your gain.

Ask your agent to help you find some of these opportunities that could save you hundreds on your payments and thousands in interest over the years.

Please take my mortgage There are FHA and VA loans made in the last few years that have lower interest rates that are assumable by owner occupants.

If you value this extra level of protection in the purchase of a new home, it is important that you have your agent FIRST accompany you to the models so they will be registered as your agent.

Is the Builder's Sales Agent "Right" for You? While a builder's agent is knowledgeable and helpful, they work for the builder unlike having your own agent to look out for your best interests.

This can take some effort to find a home with an assumable mortgage and the right features, so have this discussion with your agent.

Wish you could turn back time? Wish you could turn back time to get a lower mortgage rate? Investigate assuming an FHA or VA mortgage with a lower rate.

During the pandemic, Americans acquired pets and the prices increased based on demand like housing in the same period.

Pets More Popular Than Children During the same period between 2002 and 2022, U.S. households with children have declined from 48% to 40% while U.S. households with pets has increased from 56% to 70%.

Your real estate agent will be able to give you an estimate of closing costs that should prepare you to purchase a home. The lender is required by law to supply you with a Loan Estimate within three days of receiving your loan application.

Tell Me More About Closing Costs There are fees and expenses associated with mortgages that must be paid by the closing date for closing costs, and pre-paid items, in addition to the down payment and they can vary according to the type of loan, the lender, customary practices of the area, and the terms of the contract.

Get your tax return done early and file electronically to get ahead of the crowds filing at the last moment.

Applying your tax refund to buy a home Getting a lump sum of cash in the form of a tax refund can be very helpful towards purchasing a home.

Working with an experienced agent with seasoned negotiation skills is key to your success in buying a home in a competitive environment.

Make Your Home Offer the Most Appealing With increased competition in the market because of low inventory, you as a buyer and your offer to purchase need to be seen as the solution to the seller's situation in price, terms, and reliability to close.

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To make a home more marketable the "Point" is to offer financing concessions and let the buyer determine how to use the funds.

Points can make the difference Points can help with affordability used as a temporary or permanent buydown of the rate or to pay the buyers' closing costs.

Ask your agent if they work with buyers using FHA loans.

FHA Loans Are a Good Choice for Some FHA loans are backed by the government and can be useful for homebuyers with poor credit or low savings.

Interestingly, the FHA and VA may have a lower mortgage rate than conventional loans with more down payment.

Low Down Payment Mortgage Options There are a variety of low-down payment mortgage options for buyers who don't have 20%.

Every experienced agent knows that all real estate is local and while you can look at trends on a national basis, it takes a knowledgeable professional to assess the local market, even on a neighborhood basis, to determine what a property will reasonably sell for currently.

A New Perspective on the Housing Market The average 30-year fixed-rate mortgage for the last 50 years is 7.76% which is less than the current rates and Home prices have experienced 7.16% appreciation for the last fifty-five years compared to 4.3% average inflation for the same period.

Find a YouTube video to watch to see if it may be a job you feel comfortable handling.

Spending too much on home repairs? Home maintenance can be expensive, and today's owners need to apply common sense, shop around, read reviews, and get recommendations.

Many buyers, as well as their agents, may not want to obligate themselves to a back-up offer. However, in certain situations, it is a good tool to have the opportunity to purchase a home that meets their needs.

Rethinking Backup Offers While in the recent past, some buyers may have had reluctance to take a backup position, with the shift in the market due to the interest rate increases, a backup offer could be a viable tool to get the home of your dreams.

An agent's experience and market knowledge are invaluable for finding the "right" home.

Vital part of the home search process "Real estate agents remain a vital part of the home search process and are the most used information source for home buyers, followed by mobile search devices."