tag:blogger.com,1999:blog-33758522368997853982024-03-27T01:43:43.280-04:00Kelsey's Real Estate Tips and TricksKelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.comBlogger11125tag:blogger.com,1999:blog-3375852236899785398.post-61554298837359080062024-03-19T13:17:00.000-04:002024-03-19T13:17:05.714-04:00Navigating a Seller's Market<p><span style="font-size: large;"><b></b></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: large;"><b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaRe9VaaKdMiD-1jtD_ATWWFg1Xoyf5ZYGImoLpC-RUrembQZZcrmv2YyToCfpYmXcR9sLIB8PLaNjsdn7erqbho3lsxYM4Ji4QvngT8WDgRomASY5X92VRhOx1MCYWcT_8GY0vcCBF1ws-3bya1nmS_KniCZq_n49EdcAok9lR55wHT66VTduSEZheus/s310/sellers%20market.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="163" data-original-width="310" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaRe9VaaKdMiD-1jtD_ATWWFg1Xoyf5ZYGImoLpC-RUrembQZZcrmv2YyToCfpYmXcR9sLIB8PLaNjsdn7erqbho3lsxYM4Ji4QvngT8WDgRomASY5X92VRhOx1MCYWcT_8GY0vcCBF1ws-3bya1nmS_KniCZq_n49EdcAok9lR55wHT66VTduSEZheus/w505-h266/sellers%20market.jpeg" width="505" /></a></b></span></div><span style="font-size: large;"><b><br />Navigating a Seller's Market</b></span><p></p><p>With inventory near record lows and interest rates at their highest point in years, you may be thinking now is an impossible time to buy a home. However, while it can certainly be a challenge, it is nowhere near impossible! Even though all signs point to the Fed lowering interest rates this year, we're still likely to remain in a seller's market for the time being. With that in mind, I thought now, heading into the normally busy Spring market, would be a good time to offer some home buying tips for this current environment.</p><p>So, let's start with the basics: What is a seller's market? In it's most basic sense, the definition of a seller's market comes down to economics 101: Supply and Demand. Right now, there are more people looking to buy a home than there are homes on the market or people interested in selling their homes. For reference, according to market experts, in a balanced real estate market (where there are an equal number of buyers and sellers), there would be about 6 months worth of inventory on the market at any given time. Right now however, we are sitting at just 1.25 months of supply in the DC Metro area. That's an incredibly tight market. If you're interested in buying a home in this seller's market, it's important to understand these real estate market trends and how they will affect the buying process. </p><p>What's the best way to gain that knowledge? <b>Work with an experienced local real estate agent! </b>A good local agent will understand the nuances of the market in the area where you're looking, negotiate effectively on your behalf, and potentially be able to identify off-market listings. An experienced agent will understand what is needed for a buyer to be competitive in this market.</p><p>Given that your's truly is just that kind of agent, here are some tips to help you prepare to buy in this competitive market:</p><p><b>1. Identify a competent and trustworthy lender and get a mortgage pre-approval.</b> It's so important to talk to mortgage lenders BEFORE you start looking for a home. An experienced lender will be able to help you understand what you can afford, what loan options are available to you, and how much cash you can expect to need between down payment and closing costs. In this market, you need to be prepared to move FAST, so if you wait to talk to a lender until after you've found the house you want, you may find that it's gone by the time you've got that pre-approval letter. If you need a recommendation, I work with the best!</p><p><b>2. Be prepared for multiple offers. </b>Once you identify a home you are interested in buying, you should expect there to be multiple other offers on the property because of that pesky supply and demand issue we talked about above. This means, you need to be prepared to make your strongest offer up-front. Your agent can help you navigate this process through removing contingencies, offering above list price, being flexible with closing time, and/or writing a personalized letter to the seller, among other things. This is another reason why it's important to talk to your lender before you start house-hunting. You may be able to drop an appraisal or even financing contingency depending on your qualifications and what your lender has to offer!</p><p><b>3. Stay on budget.</b> With everything discussed above, it's more important than ever to set a realistic budget for yourself and stick to it. It's so easy to get sucked into a bidding war and find yourself over-extended financially. I always talk to my clients about determining what a home is worth TO THEM, especially in these multiple offer situations. I can tell you what the current market says the home is worth, but I can't tell you what it's worth to you specifically. There has to be a max price, a price where if the house sells for above it, you will feel alright about walking away. </p><p><b>4. Be patient.</b> There is a house out there for you! You may just have to wait a bit longer than you'd like to get it. It can be frustrating to spend time waiting for a house you like to come on the market or to lose out in multiple bidding wars. Just hang in there and keep an open mind, prioritize your must-have vs. nice-to-have items, and be prepared to act quickly when the right property does come along.</p><p>If you're thinking about jumping into this market, have questions, need advice or more tips, reach out! I'd be honored to be that experienced local agent for you.</p>Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-72850294952260159442019-10-17T21:04:00.000-04:002019-10-17T21:56:12.805-04:00Is this a legal bedroom?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY8TTEHliwrMeWX_gIqUpDxNjlpwYBkZFITmcy1WKRSh314rlEJaR03-P1YcEP2UIZnuvdohDIGfbPCVC19Utqj09Uhre7M3W0aa2d72VIlVu_gSwUm-l83OWKTqqd_x1dys8LpabAjE0/s1600/cozy_basement_bedroom.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="870" data-original-width="1200" height="232" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY8TTEHliwrMeWX_gIqUpDxNjlpwYBkZFITmcy1WKRSh314rlEJaR03-P1YcEP2UIZnuvdohDIGfbPCVC19Utqj09Uhre7M3W0aa2d72VIlVu_gSwUm-l83OWKTqqd_x1dys8LpabAjE0/s320/cozy_basement_bedroom.png" width="320" /></a></div>
I had a beautiful single family home listed recently that brought some interesting questions to mind. What makes a legal bedroom? What are the benefits of having an additional legal bedroom? Is making that basement "den" into a legal bedroom affordable? Is it worth it? So, I thought I'd blog about it!<br />
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Many people who are fortunate enough to have a finished basement have some sort of room down there that's being used as a guest room. However, when listing a property, many people ask the question, "is this a <i>legal</i> bedroom?" According to building codes in the state of Virginia, there are several things that are required to answer that question with a "yes!" First, the room has to be of a certain size at minimum. Specifically, it must be at least 70 square feet (or 100 square feet if there are two people living in it), and it must have at least 7 foot ceilings. The room also has to have access to a bathroom, <i>without</i> having to go through another bedroom to get there. In addition, you have to be able to heat the room, either with vents from the HVAC system or baseboard heating (space heaters do not count).<br />
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So that brings me to perhaps the most important point, and certainly the one the that is most debated. The room has to have two means of egress (or exit), one of which must lead <i>directly</i> outside. That means the room must have at minimum, a door by which you enter AND a window or door leading outside. If it is a window, it can't be one of those small transom windows either. A person, specifically a fireman in full gear, must be able to enter and exit the room through that window in case of a fire, so it has to be at least 20" x 24" (or 5.7 square feet). The window also must be accessible, so no more than 44" from the ground. It's important that the window is operable and doesn't have any bars or grates covering it. Now, the window does not have to be at ground level, so it's alright if it's in a well with a ladder.<br />
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One common misconception is that you just have to have two exits in the room, so some people will finish a basement with a room that has two doors in it and try to call it a bedroom. However, unless one of those doors leads directly outside, it does not count! Two doors leading into the rest of the basement does not satisfy the fire safety codes. Another very common misconception is that you must have a closet in the room for it to be considered a bedroom, but you actually don't! Interestingly, closets are not required in the building code.<br />
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So this all brings me to my next point: What's the benefit of having that extra <i>legal </i>bedroom? Well, let's just look at some simple statistics using Loudoun County as an example. In the last 6 months, the average <b>3 bedroom</b> single family home (under 3,000 sq. feet) sold for about $556,000. Using the same criteria, the average <b>4 bedroom</b> single family home (under 3,000 sq. feet) sold for about $593,000. That's a difference of $37,000. So what's the benefit? When you're selling your home, quite simply, more bedrooms means more money.<br />
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Is it possible to turn that basement "den" into a legal bedroom? That of course depends on a number of factors, as detailed above. But assuming the room meets the size and height requirements and has access to a bathroom, the biggest question is: does the room have at least one exterior wall? If the answer is yes, then it <i>is</i> possible to put in an egress window to make that room a legal bedroom. As I noted before, the window does not have to be at ground level. With that in mind, in order to make the room a bedroom, you'd need to add a window, and the way you'd do that is to dig down and create a window well (with a ladder depending on the depth of the window).<br />
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I'm sure you're thinking, "that sounds expensive!", but you might be surprised. The average cost in Loudoun to install an egress window is between $1,500-3,000 and is largely dependent on the amount of excavation required. (So if your basement is completely below ground, it will be the most expensive, but if you already have a transom window, the cost won't be as high.) Of course, that is no small amount of money, but when you have the potential to sell your home for an additional $30,000+ just because you put in the window and made that bedroom a legal one, is it worth it? I say yes!Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-48040796164036283062015-06-06T19:10:00.001-04:002015-06-06T19:10:51.147-04:00Back in Action!Some of you may be wondering why I took a little hiatus from real estate. Well.... here's your answer!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDOwxqtOC4KsEccMl6IcGUpShyGJr9Y0dUMPY_q9gRpL-uV7RtSfthBfFb0JTjxCefVdTmdQvEukvyLyfX1qKmv9zhMt-UR94g68_0a-Vl_SuJpkXguZoMN_MeBvH-jDh2TSbQ8U31ZuY/s1600/IMG_0893.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDOwxqtOC4KsEccMl6IcGUpShyGJr9Y0dUMPY_q9gRpL-uV7RtSfthBfFb0JTjxCefVdTmdQvEukvyLyfX1qKmv9zhMt-UR94g68_0a-Vl_SuJpkXguZoMN_MeBvH-jDh2TSbQ8U31ZuY/s320/IMG_0893.JPG" width="244" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeNveqQYEeqPw_KfY8Qy281kpg8fU4RGeNaydqpL_aI0aY_2SuL7_j_-wFjHqks2pFt7tb2tlwWZiC_qhV00NbZNXKrdV9RJGrevVBSDaq1lyyrZj3BAqkEMERuWAk8cC3-qvoIZHiyyI/s1600/FullSizeRender-2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeNveqQYEeqPw_KfY8Qy281kpg8fU4RGeNaydqpL_aI0aY_2SuL7_j_-wFjHqks2pFt7tb2tlwWZiC_qhV00NbZNXKrdV9RJGrevVBSDaq1lyyrZj3BAqkEMERuWAk8cC3-qvoIZHiyyI/s320/FullSizeRender-2.jpg" width="208" /></a></div>
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Isn't he a cutie?! This is my son, Everett James Crossett. He's just over 3 months old, and is the absolute light of my life! I wanted to take some time to devote solely to him, so I took a few months off, but now I'm back in action! I'm so fortunate that my mom is retired, lives nearby, and is always happy to watch my little peanut when I am out with clients! </div>
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I've been meeting with my first few clients since his birth over the past few weeks, and I'm happy to say that I got my first ratified contract last night! It feels good to get back to work, especially now that I have a little one to provide for. I have always loved my job, but now I do more than ever, since it allows me to be there for my son AND provide for my family financially as well. He motivates me to be both the best mother and the best real estate agent I can!<br />
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If you or someone you know is ready to make a real estate investment, I'm the agent for you!Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-69564208420485600712014-03-14T16:01:00.001-04:002014-03-14T16:05:23.182-04:00Why Use a Real Estate Agent for New Construction?<span style="color: #666666; font-family: Arial, sans-serif; font-size: 15px;">I've heard many people say, "You don't need to use a real estate agent if you're buying new construction." You will certainly hear those words from any builder's sales rep. I can understand why a builder would say that (clearly they don't want to have to pay an agent's commission... that's less money in their pocket!) However, what I don't understand, is why a home-buyer would say that. </span><br />
<span style="color: #666666; font-family: Arial, sans-serif; font-size: 15px;">So why should you use an agent?</span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">Well, from a buyer's perspective, one of the biggest reasons is that as a buyer, <b>it doesn't cost you anything to use an agent!</b> The seller (the builder in this case) pays the real estate commission. So, for the buyer, using an agent is a <i>free service</i> that could save you money both during the buying process and when you sell the home down the road.</span></span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">As in any real estate transaction, your agent is there to guide you through the process and provide you with the expertise you need to make the best decision. Specifically with new construction, your agent can help guide you to the new construction neighborhood that will best suit your needs. There are many options out there, but they're not all right for you! She can also help you choose the best lot, as well as help you pick and choose the options that will make your home functional and beautiful but also give you the biggest bang for your buck. </span></span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">Another very important area where your agent can help in this situation is with financing options. Most builders have a lender and a title company that are associated with that specific builder. As a result, the builder will often offer "incentives" to use their lender and/or their title company. These incentives can range from options in the home (i.e: granite counters, a deck, a fenced in yard, a finished basement, etc.) to closing cost credits. However, just because the builder offers these incentives does not necessarily mean that you are getting the best deal with <i>their</i> lender. Your agent can put you in touch with several lenders and help find the best deal for your situation. </span></span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">Real estate agents also have a great deal of knowledge about the home-buying process that you most likely don't have. So how will this benefit you? In many ways, of course. It will also simply put your mind at ease knowing you have an expert to guide you through the process from start to finish. A specific example with new construction however, goes back to these "associated" companies I mentioned above. Often times, builders will discuss financing and settlement with you as if you don't have a choice but to use their lender and title company. BUT you <b>always </b>have a choice! The buyer gets to choose the lender and title company. Just because the builder may act like their's no alternative, doesn't mean that's the whole truth. Your agent will be able to help you decide if using the builder's lender and/or title company is right for you, or if it makes more sense for you to go with an outside company for either or both. </span></span><br />
<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;"><br /></span></span><span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">Just remember: it's very important to have your agent with you from the first visit to the builder!! I hope that helps to clear things up for anyone looking at purchasing new construction! </span></span><br />
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<span style="color: #666666; font-family: Arial, sans-serif; font-size: 15px;"><br /></span>Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-82946195545013729752014-02-28T20:46:00.000-05:002014-02-28T20:46:23.205-05:00<h3 class="post-title entry-title" itemprop="name" style="background-color: white; color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 22px; font-weight: normal; margin: 0.75em 0px 0px; position: relative;">
Key Real Estate Terms</h3>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">I spend hours every day looking at listings online. It's part of my job to know what's out there, and of course to know what all the terms mean. However, I got to thinking today, what questions do most people have when looking at listings online? So, I had my husband, Robert, look at some listings on one of the main-stream real estate search engines, to see what questions he would have. Here's what we found:</span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;"><b>Robert:</b> "Under 'status', what does CNTG/No Ko mean?"</span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;"><u>CNTG/No Ko:</u> This is an abbreviation for 'Contingent, No Kick-Out'. This means that the listing you're looking at has a ratified contract, meaning that the contract and all terms have been agreed upon and signed by both the buyer and seller. The 'No Kick-Out' part means that there are contingencies on the contract (such as Home Inspection or Appraisal), but the seller is not able to accept any other offers at this time. The alternative is:</span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif";"><u style="font-size: 11pt;">CNTG/KO:</u><span style="font-size: 11pt;"> This is the abbreviation for 'Contingent, with Kick-Out'. This means that there is a ratified contract on the property, but the buyer has put a contingency on the contract for the sale of their current residence. In other words, this buyer will have to sell their current home, before they can buy this new one. A buyer would include this type of contingency if they need the proceeds from that sale in order to pay for the new house. The 'Kick-Out' means that the seller is able to continue to market this property and accept other offers. The buyer will be given a period of time for the Kick-Out, should the seller receive another offer, to either </span><span style="font-size: 15px;">satisfy</span><span style="font-size: 11pt;"> or remove the contingency (meaning sell their house or find a way to pay for the new house without selling their current house). If the buyer is not able to do so within the time-frame agreed upon within the contract, the seller is free to accept the other offer, and therefore "kick-out" the current contract.</span></span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif";"><b style="font-size: 11pt;">Robert:</b><span style="font-size: 11pt;"> "Because I'm </span><span style="font-size: 15px;">spatially challenged... in layman's terms, how big is an acre?"</span></span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">If you want specifics, an acre is 43,560 square feet. So, an acre is roughly the size of a football field from goal-line to goal-line (meaning without the end-zones.) An acre is slightly smaller than that, but it can be a good reference for those who are visual-learners.</span></span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;"><b>Robert:</b> "I'm looking at a listing that just has a street name but no house number. What does that mean?"</span></span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">This can generally mean two things. The most common is that it's new construction, and the builder is advertising a model of house that they are building in a given neighborhood, but not a specific house. (Because it hasn't been built yet!) The alternative is that the seller has chosen not to advertise their exact address. This is a choice that all sellers have when putting together a listing agreement. You will easily be able to determine which is the correct scenario once you look at the pictures and/or description of the property. You can also look at the age of the home... if it says '0', it's new construction. ;)</span></span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">These are just a few common questions that you may have when looking at a listing online, but if you have any questions of your own, feel free to reach out to me directly. I'll be happy to answer any of your questions!</span></span></div>
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Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-38316512192097628012014-01-31T18:25:00.001-05:002014-01-31T18:25:47.900-05:00<h3 class="post-title entry-title" itemprop="name" style="background-color: white; color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 22px; font-weight: normal; margin: 0.75em 0px 0px; position: relative;">
Go With Your Gut</h3>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">Buying a house is just like any other important decision you'll make in your life. Yes, it's important to do the research, and it's important to explore your options, but at the end of the day, the most important thing is to go with your gut. When you find the right house for you, you'll know it. Don't hesitate. Think about it this way: when you found the right man or woman for you, did you say, "I think you're the right one, but I'd like to go date 10 more guys just to make sure"? Do you think he'd wait around if you did? I think not. </span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">The past few days that I've spent with my current clients have reminded me a lot of my own home-buying experience. Just as I had, they spent months looking at properties online in all different areas, planning where they would buy, when they buy, and what they would buy. They had their must-have lists, their budgets, and their timeline. And then... an opportunity presented itself. They had to react quickly or risk losing the "dream home". They may have had to scramble at times to get things together, but they did it. Everything fell into place. They didn't hesitate. And they made the right decision. Some might even say it was "meant to be".</span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">My husband and I bought our current home before I became a real estate agent, but my passion for this industry was already there. We were saving up to make the leap from townhouse to single family, and at that time, we felt like we had a good 8-12 months left of savings to go before we would be "ready". However, I was still spending hours online researching and looking at listings. I was careful not to look at anything above my price range, for fear I would fall in love with something I couldn't afford, but I guess I never thought about what would happen if I fell in love with something I <i>could</i> afford. Well... I found out. </span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">One day I came across a listing I hadn't seen before. The house had been on the market, but the price was just reduced and now fell within my search parameters. It was perfect. (Or at least as perfect as it gets when you have a budget!) It had everything we were looking for and more. It needed a few updates but nothing substantial, and we aren't afraid of renovations. I drooled over the pictures for a few minutes and then moved on to something else. Problem was, for the next couple days, I couldn't stop thinking about it. Finally, I decided to show my husband. He thought it looked nice but couldn't understand why I was showing it to him because we weren't ready to buy for another year. (If you were to ask him about it now, he may say that this is where I started to "brain-ninja" him.) So I asked him, "how do you know we're not ready?" Of course, in an ideal world, we would have had more money saved up, but that didn't mean we <i>couldn't</i>, right? </span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">Well, after a call to our mortgage broker, who told us we could do it, I convinced my husband that we should just go see it. He agreed and so did our wonderful agent (aka: my mother-in-law!) I knew before we even got there that it was the one, but of course I had to be sure. We saw a few houses before we toured "the one", and nothing impressed us. When we got there, we both loved it. We said we'd go home and talk about. Well, being the wonderful agent she is, my mother-in-law called the listing agent to let him know we may be interested. That's when we found out there was another offer on the table. Well, no more time to think about it. We had to act fast. We put in our best offer, and we got the house. I haven't regretted it for a second. </span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">Even with the hundreds, if not thousands, of houses I've looked at online or in person since then, I have yet to find a house that I would choose over my own. So I <i>know</i> I made the right decision. I'm confident my clients will feel the same way after they've been in their new home for 2 years also.</span><br />
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<span style="color: #666666; font-family: Arial, sans-serif;"><span style="font-size: 15px;">Well, all this reminiscing is nice, but I must have a point, right? Of course I do. While I would never recommend that my clients buy a house before they are ready (both financially and emotionally), sometimes things just fall into place for a reason. (New regulations make it nearly impossible to buy if you're not financially ready anyway.) If it's right, it's right. If it's meant to be, you'll find a way to make it happen. When your gut says "this is the house for me", listen to it and don't look back.</span></span></div>
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Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-24960512348407936912014-01-17T16:10:00.000-05:002014-01-18T15:48:57.780-05:00<h3 class="post-title entry-title" itemprop="name" style="background-color: white; color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 22px; font-weight: normal; margin: 0.75em 0px 0px; position: relative;">
One Benefit of Buying vs. Renting</h3>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">It's that time of year again. You go out to the mailbox to pick up your mail, and what do you find? That lovely W2, which tells you how much (or little!) you earned this year. That can only mean one thing: it's tax season. Tired of cutting a check to the IRS every year? Buying a home can help with that. </span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif";"><span style="font-size: 11pt;">Of course, I'm not saying that buying a home will ease all of your tax woes, but there are tax benefits to </span><span style="font-size: 15px;">home-ownership</span><span style="font-size: 11pt;"> that can lessen the burden. The biggest benefit is that you are able to deduct the interest you pay on your mortgage (which I will explain in detail below), but you can also deduct the Real Estate taxes you pay each year. These things can easily become the difference between <i>writing a check</i> to the IRS and<i> cashing a check</i> from the IRS.</span></span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif";"><span style="font-size: 11pt;">There are a few things that are important to understand here. First of all, the interest on your mortgage is amortized in your payments throughout the life of the loan (often 30 years). You pay the majority of the interest in the beginning of the loan. So, here's an example: Let's say your mortgage is $400,000 with an interest rate of 4% for a 30-year fixed loan. Based on those numbers, your payment would be approximately $1,900 per month (this is assuming there is nothing else included in your payments, such as mortgage insurance, taxes, etc.) In your first payment, about $1,325 of that $1,900 would be applied toward interest and only $575 would be applied to the principal of the loan. Those numbers gradually change over the life of the loan. So, in year 15 of the loan for example, you would pay about $850 toward interest and $1,050 toward principal. </span></span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif";"><span style="font-size: 11pt;">Ok... so... what does this have to do with taxes? Well, you can deduct A LOT of interest from your taxes, especially in the first 10 years or so of the loan when money is often the tightest for people. Just take that example above. That person will be able to deduct over $15,000 of interest in the first year. Like I said... A LOT!</span></span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif";"><span style="font-size: 11pt;">However, it's even more important to understand what a deduction means. It does NOT mean that this person is going to get $15,000 back from the IRS or that they owe $15,000 less in taxes. It means that they will be able to deduct $15,000 from their taxable income. So, that's $15,000 less that they will be taxed on. For instance, let's say that the person in the example above makes $75,000. (To make this example easier, let's just assume that the $75,000 is after all other deductions, </span><span style="font-size: 15px;">withholding's</span><span style="font-size: 11pt;">, etc.) They will be able to subtract that $15,000 from their income to make their </span></span><span style="color: #666666; font-family: Arial, sans-serif; font-size: 15px;">Adjusted Gross Income (AGI or taxable income) $60,000. So, instead of being taxed on $75,000, they will only be taxed on $60,000 of their earnings. Depending on the other factors involved (and yes, there are MANY other factors involved), this may mean that our example person is going to get a couple hundred or even a couple thousand dollars back from the IRS, instead of having to pay more or breaking even.</span><br />
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<span style="color: #666666; font-family: Arial, sans-serif; font-size: 15px;">Ok, so now that I've got your head spinning, I'll wrap this up. The point is, this is just one of the many benefits to buying a home that you cannot get when renting. Maybe your rent payment is only $1,500 a month and paying that extra $400 a month for your own place seems daunting. This is one benefit that can make that stretch a little more attainable.</span><br />
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<span style="color: #666666; font-family: Arial, sans-serif; font-size: 15px;"><b>DISCLAIMER: I am not a tax expert or a mortgage expert. The numbers used in the examples are simply estimates, and everyone's situation varies when it comes to taxes. If you'd like to know more about how buying a home can benefit your tax situation, please consult your tax professional. For more information about these deductions, here is a link to the IRS website: </b></span><a href="http://www.irs.gov/publications/p530/ar02.html">http://www.irs.gov/publications/p530/ar02.html</a></div>
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Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-38310007580194833522013-12-28T15:09:00.000-05:002013-12-28T15:09:53.934-05:00<h3 class="post-title entry-title" itemprop="name" style="background-color: white; color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 22px; font-weight: normal; margin: 0.75em 0px 0px; position: relative;">
Saving for a home: Put your purchases in perspective</h3>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">With the New Year approaching, there's a lot of talk about resolutions. Perhaps your New Year's Resolution is to buy a home in 2014, but how do you get there? You've been saving for what feels like forever, but the amount in that savings account is just not going to cut it. Fortunately, there are a lot of programs out there that can help you out. With an FHA loan for example, you can put down as little as 3.5% on your home. However, that's still a lot of money. Between the down payment, closing costs, and all of those little essentials you need when you move in, the amount of money you need can become daunting. So, you need a plan.</span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11pt;">Start by making yourself a budget, and stick to it! Think about the big picture here. How important is it that you're able to buy a house? Can you give up going out to dinner three times a week for the next few months in order to save more? Can you forego buying those new shoes? Make yourself a budget that focuses on the essentials, but allows you a little bit of flexibility. You can't expect yourself to buy nothing and never eat at a restaurant for a whole year. You'll get frustrated and give up. That's why it's important to make a budget that's possible for you to stick with from the beginning. Some people have more self control than others, so think about what is possible for YOU to achieve. You'll still need to push yourself, or it'll take you years to save enough money. A <i>temporary</i> change in lifestyle can really pay off in the long run.</span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif";"><span style="font-size: 11pt;">No, I'm not saying that you need to become a recluse and survive solely on ramen noodles. It can be surprising how much all those little purchases can add up though. Yeah, maybe that lunch was only $10, but $10 a day, is $50 in a work week, which adds up to $2,600 a year. That's just on lunches (and $10 is a pretty inexpensive lunch if you live in the NOVA/DC area)! Start packing your lunch, it'll save you loads of cash. </span></span><br />
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<span style="color: #666666; font-family: "Arial","sans-serif";"><span style="font-size: 11pt;">When I was saving for a home, I'd often find myself wandering into a store, and I would inevitable find something that I just HAD TO HAVE. Only, I didn't </span><span style="font-size: 15px;">really</span><span style="font-size: 11pt;"> need it. It may sound crazy, but whenever this would happen, I would actually ask myself, "What do you want more: this outfit, or a new house?" I think you know the answer to that question. Was spending $100 on a new outfit really going to keep me from buying my house? No. But $100 on an outfit today, $50 on new shoes next week, another new outfit later, and pretty soon you've blown hundreds, if not THOUSANDS, on stuff you don't really need, and you are no closer to buying that house. Even though I'm no longer saving for a new house, I still ask myself that same question whenever I'm saving for something, whether it's a great vacation, new furniture, or whatever I set my sights on! Just remember: you can do anything if you put your mind to it!</span></span><br />
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Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-40721600944087430612013-12-06T15:05:00.000-05:002013-12-06T15:08:20.052-05:00<h3 class="post-title entry-title" itemprop="name" style="background-color: white; color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 22px; font-weight: normal; margin: 0.75em 0px 0px; position: relative;">
Buying a home: Step 3 – Prioritize your "Must-Haves"</h3>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">So you know what you can afford
and you've narrowed down your prime location(s). What now? Well, here's where
compromise really starts to come into play. Unless you have unlimited funds,
which very few people do, you will not get everything you want in a house.
There will have to be give and take. </span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">What's important to you? I find
that the best way to work through the many things you<span class="apple-converted-space"> </span><i>want,</i> to determine what
you actually<span class="apple-converted-space"> </span><i>need,</i> is
to make a list. Write down everything that you would like to have in a house,
and then start putting these things in order of priority. (You can probably
cross stuff off while you're at it too... yeah, I'd<span class="apple-converted-space"> </span><i>like</i> to have an elevator
in my house, but it's probably not a necessity.) If you are buying a property
on your own, then this should be fairly easy, as yours is the only opinion that
really matters. However, if you're part of a couple, or buying jointly with
another party, this can become much more challenging. I always recommend that
you each make your own list. Do this completely independently of your partner,
and then compare lists when you're both done. You may find that you are both on
the same page for the most part... or maybe not. I've talked to some couples
about their wish lists, only to find that she wants a low-maintenance condo in
the city, but he wants a single family home in the suburbs with a big yard. Uh
oh. </span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">All of these issues can be
worked out with a little compromise. It's important to involve your agent at
this point in the process as well. He/she will be able to help you weed through
all of the things you want, to put your needs in perspective. Even after you
come up with your "Must-Have" list, your agent may have to point out
that you still won't be able to get all of those things in your desired
location. It's important to look to your agent for advice, because he/she will
be able to make suggestions as to where you can compromise to get most of what
you're looking for.</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">Whatever you decide, just make
sure to take a step back and look at the big picture. There are some things
that can be changed about a property and some that can't. Even if you don't
want to do any renovations, you shouldn't let a house that checks every other
box pass you by because, let's say, it doesn't have granite counter tops.
That's an easy fix. Better to go with that house than a house that has all the
right finishes but is on a busy road or lacks that much-needed 3rd bedroom or
the option for one. Just remember: paint, fixtures, and finishes are all easy
changes to make, but you can't pick up a house and move it, and it's generally
very difficult and expensive to make a house any bigger.</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">Just to get your minds in
motion, here are what I consider to be the Top 10 things to consider for your
wish list (Not necessarily in this order. That all depends on you!):</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">1. What location or locations
are you willing to live in? (You should have already decided this in ‘Step 2’!)</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">2. What type of property do you
want? (Single Family, Townhouse, Condo, etc.)</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">3. Do you want a house that's
move-in-ready or fixer-upper?</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">4. How many bedrooms do you
need to accommodate your family?</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">5. How many bathrooms do you
need?</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">6. Do you want outdoor space?
If so, what kind and how much?</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">7. What type of floor plan are
you looking for? Traditional or Open Concept?</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">8. What do you need in the
kitchen? (Cabinet space, appliances, etc.)</span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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<span style="color: #666666; font-family: "Arial","sans-serif"; font-size: 11.0pt;">9. What kind of parking do you
require? (Garage, assigned spaces, street)</span></div>
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<span style="color: #666666; font-family: Arial, sans-serif; font-size: 11pt;">10. What do you feel is an
acceptable age for the home? (Looking for a new home? Or one with historical
character?)</span></div>
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Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-5504413404605717532013-11-15T13:27:00.000-05:002013-11-15T13:27:42.846-05:00<h3 class="post-title entry-title" itemprop="name" style="background-color: white; color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 22px; font-weight: normal; margin: 0.75em 0px 0px; position: relative;">
Buying a home: Step 2 – Choose a location</h3>
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<span style="color: #666666; font-family: Arial; font-size: x-small;"><span style="line-height: 18px;">So in my last post, I mentioned that it was important to understand your means before you choose a location. You might be asking yourself, "why?" Well, it's simple really: some locations are more affordable than others. Until you know what you can really afford, you don't know if it's even possible to buy a house that's, let's say... 10 minutes from the city. </span></span></div>
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<span style="color: #666666; font-family: Arial; font-size: x-small;"><span style="line-height: 18px;">There will always have to be a balance, a compromise, between your wish list and location. Even if location is your number one priority, it is still important to understand what you can afford and what that will buy you in your dream location. There's no point in falling in love with a 4 bed, 3 bath, single family home in Arlington, VA when your budget will only get you a 2 bedroom condo in that location. Then the question becomes: do you buy the condo to be in your dream location, or do you move out from the city a bit to get more of what you're looking for? The choice is yours.</span></span></div>
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<span style="color: #666666; font-family: Arial; font-size: x-small;"><span style="line-height: 18px;">When it comes to picking a location, there many things to consider, such as lifestyle, distance from work, school district, amenities, etc. All of these things are important. If you like to be able to walk to shops and restaurants, then you probably don't want to buy a house in a rural area. Perhaps you don't want to be more than a 30 minute drive to work. (Keep in mind the times at which you will be driving when measuring this distance. If you work a 9-5 job in Northern VA or DC, a 30 minute drive may only be 10-15 miles.) </span></span></div>
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<span style="color: #666666; font-family: Arial; font-size: x-small;"><span style="line-height: 18px;">Now, some of you may be thinking, "School district? Why is that important? I don't even have kids!" Well it's always important to think about the future, and I mean that in a few ways. Whether you have kids, want kids in the future, or you never want to have kids at all, it's still a good idea to consider the school district for one very good reason: RESALE. Maybe you never want to have kids, so you really don't care what school district your house is in, but particularly if you are buying a single family or townhouse, when you decide to sell your house, a large part of the population that you're marketing to will have kids or want kids. So if you buy a house in a good school district, it will be easier to sell and you will likely get a better return on your investment. This is not to say that if you buy a house in a "poor" or "less-than-ideal" school district, you will never be able to sell it. You just may not see as big of an increase in your property's value as you would in a more desirable area, or it may take longer to sell. </span></span></div>
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<span style="color: #666666; font-family: Arial; font-size: x-small;"><span style="line-height: 18px;">Taking all of these things into consideration should help you narrow down your location. It's helpful at this part of the process to speak with a Realtor. Hopefully this is someone who you already know and trust or a Realtor that was referred to you by someone you know and trust. Your Realtor will be able to help you when choosing a location, especially if you're not set on somewhere specific. If you tell him/her what kind of location you are looking for, a good Realtor will be able to give you some suggestions. Keep an open mind and don't be afraid to look in an area that you're not as familiar with. You may fall in love with an area that you never expected! </span></span></div>
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<span style="color: #666666; font-family: Arial; font-size: x-small;"><span style="line-height: 18px;"><br /></span></span></div>
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<span style="color: #666666; font-family: Arial; font-size: x-small;"><span style="line-height: 18px;">Just remember that you need to be happy with the location and not just the house. You can always make changes to your house (there are limits on this of course), but no matter what you do, you can't change the location. You don't want to find yourself saying, "This is the perfect house! If we could just pick it up and move it to another neighborhood...." </span></span></div>
Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0tag:blogger.com,1999:blog-3375852236899785398.post-52851330930225433582013-11-02T15:24:00.000-04:002013-11-02T18:21:07.373-04:00Buying a home: Step 1 – Understand your means<!--[if gte mso 9]><xml>
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<div class="MsoNormal">
<span style="color: #666666; font-family: Arial;">Buying a home can be very scary, especially if it’s your first
time. That can be true for anything new you try! As with anything new, it’s
important that you understand the process and plan ahead. The first step in the
process of buying a home (whether it’s your first home or your tenth!) is to
understand your means.</span></div>
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<span style="color: #666666;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #666666; font-family: Arial; mso-bidi-font-family: Arial;">It’s very important to talk to a mortgage broker to understand
a) IF you qualify to buy a home and b) what amount of money you qualify to
borrow. However, just because you qualify for a certain amount, doesn’t mean
you can actually afford the monthly payments! It all depends on your lifestyle.
Do you like to travel? Do you go out to eat a lot? Are you a fashion fanatic?
All of these things and more will impact how much you can afford when buying a
home, unless you want to change your lifestyle completely. And who wants that?
No one wants to be house-poor… right?<o:p></o:p></span></div>
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<span style="color: #666666;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #666666; font-family: Arial; mso-bidi-font-family: Arial;">When talking to your lender, make sure to ask questions so that
you understand what the payments will be at different price points. You may
qualify for a $500,000 mortgage, but how much do you have to put down? What
will the payments be? How much will the payment be on a $400,000 house? You get
the point. Then go home and run the numbers. You have to decide if there’s any
part of your current lifestyle that you’re willing to sacrifice to buy a home.
Or maybe you won’t have to sacrifice anything, but you will need to prioritize
so that you can understand what sort of monthly payment will be comfortable for
you, without having to resort to eating ramen noodles for dinner every night. <o:p></o:p></span></div>
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<span style="color: #666666;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #666666; font-family: Arial; mso-bidi-font-family: Arial;">Not all Mortgage brokers are the same. Make sure you speak with
more than one and understand that the size of the bank or banks they represent
might impact the size of the loan you qualify for and the rate you’re quoted.
Bigger is NOT always better when it comes to banks. If you need help finding a
good lender – feel free to reach out to me.<o:p></o:p></span></div>
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<span style="color: #666666;"><br /></span></div>
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<span style="color: #666666; font-family: Arial; mso-bidi-font-family: Arial;">Sit down with your family and put a budget together. Decide how
much you’re willing to pay per month, what that translates into for a 30 year
mortgage, and stick with it! <o:p></o:p></span></div>
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<span style="color: #666666;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #666666; font-family: Arial; mso-bidi-font-family: Arial;">PS – There’s a reason why Step 1 is ‘Understand your means’ and
not ‘Choose a location’. Stay tuned.<o:p></o:p></span></div>
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<span style="color: #666666;"><br /></span></div>
<!--EndFragment--><span style="color: #666666;"><br /></span>
<!--EndFragment--><span style="color: #666666;"><br /></span>
<!--EndFragment--><span style="color: #666666;"><br /></span>
<!--EndFragment--><br />
<!--EndFragment-->Kelsey Crossetthttp://www.blogger.com/profile/05237206027370040701noreply@blogger.com0