The HomeSmiths Team
The HomeSmiths Team - Expert Advice and Guaranteed Results when buying, selling or investing in Denver real Estate
29/08/2024
Did you know that a high debt-to-income (DTI) ratio is the #1 reason mortgage applications get rejected? 🤯
Your DTI ratio is the percentage of your gross monthly income that goes toward debt payments, including your mortgage.
Lenders use DTI to assess your ability to afford a home. So, how can you avoid rejection and qualify for better rates?
✅ Aim for a DTI ratio of 36% or lower to qualify for the best rates.
✅ Pay down credit cards, auto loans, student loans, and other debt.
✅ Increase your income to offset your debts and lower your ratio.
Ready to learn more? Check out our latest blog post to get more tips for taking out a mortgage.
🔗 https://jeffsmithcolorado.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/
27/08/2024
The walk-through is one of the last steps in the homebuying process, but you shouldn’t rush it! Here are a few things to check during your final walk-through:
💡 Are all items included in the sale (e.g. light fixtures and appliances) in place and operational?
🚿 Are all major systems working properly?
⚒️ Have all requested repairs been completed?
🗑️ Has the seller removed all personal items and debris?
🚪 Was any significant damage done during the seller’s move out?
Want more expert guidance on the homebuying process? Reach out for a free consultation.
📲 (303) 886-0499
📧 [email protected]
Getting ready to buy a home? It’s time to focus on boosting your credit score. 🚀 A higher score means lower interest rates and opens up a wider range of mortgage options.
Watch this video for our top 5 tips to raise your credit score, then read our blog post to learn what score you’ll need for different types of mortgages.
🔗 https://jeffsmithcolorado.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/
Has the thought of selling your home crossed your mind? Here are 5 signs it’s the right time to list.
If any of these resonate with you, reach out for a free consultation!
📲 (303) 886-0499
📧 [email protected]
16/08/2024
Ready to buy a home but feeling overwhelmed by financing options?
Here are four factors to consider when choosing a mortgage:
📈 Credit Score:
This three-digit number can significantly impact your interest rate and the types of loans you qualify for.
📊 Income & Expenses:
Lenders want to ensure your income will comfortably cover your mortgage payments and other debt obligations.
💰 Down Payment:
The amount you put down will affect your loan options, monthly payments, and need for mortgage insurance.
📆 Lifestyle & Risk Tolerance:
Your term length and interest rate type (fixed or variable) should align with your financial goals and comfort level.
For more on choosing the right mortgage for your specific situation, check out our latest blog post!
🔗 https://jeffsmithcolorado.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/
Do you know our secret to real estate sales success? It’s a powerful trifecta I call the “Three Ps.”
If you’re thinking about selling, contact me for a free home value assessment!
📲 303-480-1399
📧 [email protected]
14/08/2024
You may not be looking to buy or sell a home right now, but did you know we can still be a great resource? Here are 3 reasons to reach out to us:
👷 You need a referral.
Whether you’re searching for a housekeeper or a roofer, we’re happy to share our list of trusted local professionals.
🛠️ You’re thinking about renovating.
We can help you consider how changes you make might affect your home’s resale potential down the road.
📈 You want to know your property’s value.
From taxes to net worth, there are lots of reasons you may need to know your home’s current value — and we offer free assessments.
Save this post to refer back to, and reach out if there’s anything we can do for you today!
📲 (303) 886-0499
📧 [email protected]
Landscape lighting can make your home safer—and more beautiful. Here are our top tips for planning and installing outdoor lights.
If you prefer to hire a pro, reach out for a referral!
📲 (303) 886-0499
📧 [email protected]
08/08/2024
Want to make your home more sustainable?
According to a recent survey by the U.S.-based National Association of Realtors, buyers have these 5 green features at the tops of their lists.
🪟 High-quality windows, doors, and siding
🛣️ Proximity to stores, schools, and transit
🛋️ Comfortable living space
💡 Low utility costs
🚆 Low commuting costs
But before you invest in a green upgrade, find out how it could impact your home’s value at resale. Reach out for a free assessment.
📲 (303) 886-0499
📧 [email protected]
06/08/2024
According to the US-based National Association of Realtors, refinishing your wood floors is the #1 project that pays off in terms of resale value—with an average ROI of 147%!
If your floors are looking worn or dated, a refresh can make a huge difference. Here are some tips if you plan to tackle this project yourself:
🛠 Rent professional-grade equipment to make the job easier
📅 Block off enough time (at least a few days) to get the job done right
🪵 Consider a lighter wood stain if you want to modernize your space
Looking for more budget-friendly upgrades with a big impact? Check out our latest blog post!
🔗 https://jeffsmithcolorado.myagent.site/7-weekend-projects-to-boost-your-property-value/
A quick update on the Denver real estate market. Thanks All.
Plenty of home maintenance and repair tasks require ladders—but most of us are never trained to use them properly. Here’s what you need to know.
Remember, unnecessary risks are never worth it, and sometimes it’s safer to hire a professional. If you need help with a project, reach out for a trusted referral.
📲 (303) 886-0499
📧 [email protected]
According to Zillow, for every $1 you spend on minor cosmetic bathroom upgrades, you can expect a $1.71 return on your investment! 🤯
Here are a few quick and easy ideas to refresh your space. For more DIY inspiration, visit our blog!
🔗 https://jeffsmithcolorado.myagent.site/7-weekend-projects-to-boost-your-property-value/
Here’s the most common thinking trap we see homebuyers fall into!
We can help you take your first step onto the property ladder. Reach out for a free consultation.
Smitty
📲 303-480-1399
📧 [email protected]
25/07/2024
These days, it’s easy to order everything you need online. But there’s a lot to be said for shopping locally instead.
Here’s why we love to support local businesses:
✅ Invest in your community.
More of the money you spend with small businesses stays in the local economy.
✅ Support local jobs.
Small businesses are often great places to work and offer unique opportunities for employees.
✅ Preserve local character.
Independent shops make your area unique and can be a draw for visitors and new residents.
✅ Get better customer service.
Small businesses often form long-term relationships with their customers.
✅ Protect the environment.
Buying what you need in person cuts back on carbon emissions from shipping.
Which local businesses do you love to support? Let us know in the comments!
23/07/2024
Did you know your front door paint choice could impact your home's value? 🚪🎨
A recent study found that certain shades can boost or lower a property’s sales price by thousands of dollars. 😱
Curious about which hues are the most appealing to buyers? Head to our blog post to find out the best (and worst!) paint options for your front door.
🔗 https://jeffsmithcolorado.myagent.site/7-weekend-projects-to-boost-your-property-value/
Summer is a great time to tackle DIY projects — but do you know which home improvements have the biggest impact on your property’s value?
Watch this video to learn about a weekend project that pays off when it’s time to sell. Then, head to our latest blog post for six more home improvement ideas! 🛠️
🔗 https://jeffsmithcolorado.myagent.site/7-weekend-projects-to-boost-your-property-value/
What's our secret to real estate sales success? It’s a powerful trifecta we call the “Three Ps.” Watch this video to learn what it stands for 👀
If you’re thinking of selling your home, reach out for a free consultation and home value assessment!
📲 (303) 886-0499
📧 [email protected]
16/07/2024
Looking for simple projects to boost your home's value? To get you started, here are 7 improvements that you can complete in a weekend:
🚪 Paint your front door a classic shade of black or mid-tone brown.
🛠️ Upgrade dated hardware and lighting for a modern look.
🛁 Refresh your bathroom with new fixtures and a clean, modern aesthetic.
🎨 Give your kitchen cabinets a makeover with a fresh coat of paint.
🏡 Enhance your curb appeal with simple landscaping updates.
✨ Refinish worn wood floors for a like-new look.
🧼 Clean or replace grimy grout in your bathroom and kitchen.
Ready to get started? Check out our latest blog post for tips and tricks for each of these projects!
🔗 https://jeffsmithcolorado.myagent.site/7-weekend-projects-to-boost-your-property-value/
Are incorrect assumptions holding back your home search? Here are a few thinking traps that we encounter — and ways to overcome them.
If you’re ready to move past your limiting beliefs, we can help you set realistic expectations for your home search.
📲 (303) 886-0499
📧 [email protected]
25/06/2024
💸 Wondering where home prices are headed? 💸
So far this year, the national median home price has been fairly stable—thanks, in part, to an increase in inventory of smaller, less expensive homes.
Analysts expect this trend to continue for the rest of the year, with prices rising gradually throughout the summer and fall.
Are you thinking about buying or selling a home? Visit our blog to learn more about the current market.
🔗 https://jeffsmithcolorado.myagent.site/mid-year-market-update-for-2024-what-buyers-and-sellers-need-to-know/
20/06/2024
Considering a reverse mortgage? This type of loan enables owners of a certain age to borrow against their home equity without repayment until they move out or pass away.
But before you sign on the dotted line, here are some benefits and risks to consider:
➕ You can tap into your equity now, when you really need it
➕ You’ll eliminate any existing mortgage payments, so you can lower your monthly expenses
➕ Funds aren’t taxed since they are considered a loan rather than income
➖ Your heirs may need to sell the home after you pass to repay the lender
➖ Interest rates and fees are often higher than those for other types of loans
➖ Associated costs can eat away at the value of your estate
The reality is, reverse mortgages aren’t right for everyone, and downsizing can be a better choice for some homeowners. Schedule a free consultation to discuss your options.
📲 (303) 886-0499
📧 [email protected]
18/06/2024
After years of record-low housing inventory, active listings are on the rise—which is great news if you’re hoping to buy a home. Here’s what you should know:
🏘️ Home inventory is now the highest it’s been since 2020.
🏘️ The share of smaller, more-affordable homes on the market is increasing.
🏘️ Even with a bump in listings, inventory remains well below pre-pandemic levels.
What does it mean for you? Read our mid-year market update to find out!
🔗 https://jeffsmithcolorado.myagent.site/mid-year-market-update-for-2024-what-buyers-and-sellers-need-to-know/
Overwhelmed by the thought of selling your home? Technology can help you streamline the process!
Plus, we like to think of ourselves as an all-in-one resource for sellers. Give us a call to find out how we can make the home sale process easier.
📲 (303) 886-0499
📧 [email protected]
11/06/2024
When will mortgage borrowers get some rate relief?
In May, the Federal Reserve stated it has no immediate plans to lower benchmark interest rates, which means mortgage rates are also likely to remain elevated.
According to experts, a rate cut is now unlikely before September.
Wondering how current rate trends could affect your plans to buy or sell a home? Check out our latest blog post to learn more.
🔗 https://jeffsmithcolorado.myagent.site/mid-year-market-update-for-2024-what-buyers-and-sellers-need-to-know/
Are myths or outdated assumptions holding you back from a successful home sale? Here are the thinking traps we see sellers fall into — and ways to move past them.
We can guide you to a successful sale. Reach out for a free consultation.
📲 (303) 886-0499
📧 [email protected]
04/06/2024
Are you up-to-date on the real estate market? Nearly halfway through 2024, here’s what buyers and sellers need to know:
📉 Mortgage rate cuts are taking longer than expected
🧑 More sellers are returning to the market
💰 Home price appreciation is slowing
🏘️ Desire to buy a home remains strong, despite affordability concerns
Check out our latest blog post to learn what these trends could mean for you!
🔗 https://jeffsmithcolorado.myagent.site/mid-year-market-update-for-2024-what-buyers-and-sellers-need-to-know/
04/06/2024
Moving can be expensive—and we aren’t just talking about the home purchase! Here are a few of our top tips to cut costs.
🚚 Declutter before you pack. Don’t spend money moving items that you no longer need. Instead, hold a yard sale to help fund your move.
🚚 Get multiple quotes. The cost of movers can vary widely, so explore a few options to ensure you aren’t being overcharged.
🚚 Avoid paying for packing supplies. Post on your community Facebook group or check with local stores for leftover boxes.
🚚 Pack strategically. If you nest items inside one another, you may be able to get away with a smaller, less expensive moving truck.
Want more advice? Send us a message or an email and ask for a free copy of our report, “10 Pro Tips for a Smooth Home Move.”
📲 (303) 886-0499
📧 [email protected]
Selling your home while simultaneously buying a new one can feel daunting to even the most seasoned homeowner.
Here are the 3 most common concerns we hear from clients—and our advice for overcoming each!
🔗 https://jeffsmithcolorado.myagent.site/the-ultimate-relocation-guide-from-finding-a-house-to-feeling-at-home/
Are your floors in need of a refresh? Here are some of the trends showcased at the 2024 International Surface Event trade show, according to Houzz.
When you’re ready for an upgrade, reach out for our list of recommended flooring companies!
📲 (303) 886-0499
📧 [email protected]
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