Emerson Realtors



Posted by Emerson Realtors on 10/18/2018

Home maintenance plays a key role in ensuring your house will impress both now and in the future. If you establish a home maintenance budget today, you can reduce the risk of spending too much to find ways to keep your residence looking neat and tidy.

Ultimately, creating a home maintenance budget can be simple Ė here are three tips to help you craft an effective home maintenance budget.

1. Assess Your Home Maintenance Needs

Home maintenance generally varies from house to house. Thus, the home maintenance needs of a mansion owner are unlikely to match those of a condo owner.

Think about what types of home maintenance that you need to perform. That way, you can determine exactly what you'll need to do to maintain your residence for years to come.

It often helps to examine each room of your house, as well as your home's exterior. Then, you can better understand different aspects of your home and what you'll need to do to achieve the optimal home care results.

2. Make a Home Maintenance Checklist

A checklist is a terrific option for any homeowner who wants to limit his or her home maintenance expenses. This checklist will enable you to determine the home maintenance tasks that you'll need to complete and the expenses associated with them.

For example, if you want to maintain a lush garden in your backyard, you may need to purchase assorted gardening supplies. Conversely, if your bedroom has carpet, you'll want to pick up a vacuum that you can use to keep the carpet dirt- and dust-free.

It also may be a good idea to update your home maintenance checklist regularly. If you perform home upgrades, your home maintenance needs may change. As such, you'll want to revise your home maintenance checklist to account for various home upgrades over time.

3. Establish Home Maintenance Priorities

Whereas cleaning your swimming pool may need to be done periodically during summertime, mowing the front lawn likely needs to be done much more frequently. Fortunately, if you have home maintenance priorities in place, you can budget your time and resources appropriately.

As you craft your home maintenance budget, you should consider your home care expertise as well. If you don't feel comfortable performing certain home maintenance projects, it may be worthwhile to hire professionals to complete these tasks for you. And if you decide to hire professionals, you probably will need to account for additional costs in your home maintenance budget.

With a home maintenance budget, you'll be better equipped than ever before to ensure your house dazzles day after day. Plus, if you decide to sell your house, you'll be in a great position to maximize its value.

Lastly, if you plan to list your home, you may want to contact a real estate agent sooner rather than later. This real estate professional can help you prepare your residence for the housing market and provide expert home selling tips. As a result, a real estate agent will make it easy for you to list your house and enjoy a quick, profitable home selling experience.




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Posted by Emerson Realtors on 10/11/2018

Arranging furniture in your home can be a real puzzle. Thereís so many different mistakes that can be made in how you set up the seating, tables, and bedding in your home that you probably donít even realize it. Below, youíll find some of the most common furniture arranging mistakes and how to fix them. 


All of Your Furniture Is Against A Wall 


It may seem like a way to make your room feel bigger to push everything against a wall, but this thought process is flawed. You want your rooms to feel cozy, not spaced out. Youíll be surprised what floating furniture can do for a room. 


You Put Too Much Furniture In A Room


Whether you have a small space or a giant room, plan what kind of furniture you put in the room very carefully. Overcrowding a space makes it feel stuffy and claustrophobic. While you hope to have enough seating in a room for everyone, you donít need to overdo it. Put the furniture in a room that makes sense for you to have. There's also no harm in having big, open spaces in a room. As long as the purpose is served, sometimes an airy space can be quite a stress reliever.


Putting more furniture in a space wonít help a room to magically grow either. Be realistic about how many square feet you have in a room. From there, you can decide what goes where. If you still feel that you have too many pieces of furniture around, itís time to sell or donate some of the chairs and tables that donít get as much use. 


You Tend To Block Windows With Furniture


Using your sofa or a bed to place in front of a window may seem like a good idea. Whether your purpose is to block some light, or if itís your only option for placement, you may need to do some refiguring. One problem is that the light coming in the window will cause some serious fading to any material thatís in the path. If itís a bed thatís placed across a window, you also face a lack of privacy. 


You can fix any of these issues quite simply with some drapery. Drapery helps to filter the light, reducing the heat in the room. Using curtains will also help you to reduce the incidence of fading on your fabrics. Curtains also help to keep your privacy. While it can be difficult to arrange a small room where a window is your only option for furniture placement, the simple addition of curtains really makes a difference.




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Posted by Emerson Realtors on 10/4/2018

For those who want to enjoy a quick, seamless homebuying experience, it helps to prepare as much as possible. In fact, those who plan ahead may be better equipped than others to avoid various challenges throughout the homebuying cycle.

From struggling to obtain home financing after a seller accepts your offer to purchase to struggling to find the right home in one of your preferred cities and towns, myriad issues may make it tough for you to achieve your desired results on the homebuying journey. Fortunately, we're here to help you minimize risk as you pursue your dream residence.

Now, let's take a look at three tips to help you avoid a homebuying fiasco.

1. Establish Homebuying Criteria

If you enter the housing market with criteria in hand, you can narrow your house search. As a result, you may be able to accelerate your journey from homebuyer to homeowner.

Think about where you want to live. Then, you can hone your home search and focus exclusively on houses in specific cities and towns.

It also may be beneficial to establish a list of home must-haves and wants. This list can help you determine exactly what you want to find in your dream house so you can map out your home search accordingly.

2. Get Pre-Approved for a Mortgage

There is no need to wait to get a mortgage. Thankfully, lenders are available that can help you get approved for a mortgage before you kick off your home search.

Meet with a variety of banks and credit unions Ė you'll be glad you did. This will allow you to learn about the ins and outs of different mortgage options.

Furthermore, don't hesitate to ask questions about all of the mortgage options at your disposal. Because if you understand exactly how a mortgage works, you can make an informed mortgage decision.

3. Collaborate with a Real Estate Agent

When it comes to avoiding problems during the homebuying journey, it generally is a good idea to hire a real estate agent. This housing market professional will offer comprehensive support at each stage of the homebuying journey. By doing so, a real estate agent will ensure you can quickly and effortlessly navigate the housing market.

For example, if you want to find a house in a small town, a real estate agent will help you explore residences that match your expectations. He or she will set up home showings and keep you informed about open house events. Plus, if you identify your dream house, a real estate agent will help you submit a competitive offer to purchase.

Let's not forget about the housing market expertise that a real estate agent possesses, either. If you ever have concerns or questions as you pursue your dream house, a real estate agent is happy to address them at any time.

Want to discover your dream residence? Use the aforementioned tips, and you can reduce the risk of encountering problems as you search for your ideal residence.




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Posted by Emerson Realtors on 9/27/2018

If you live in an older home or neighborhood thereís a good chance your house holds a rich history within. Aside from talking with the previous owners, most people donít look much further into the stories their house might have.

If youíre curious about your family history there are resources available so you can find long lost relatives and discover where your family lived over the years. Most people donít think to do the same research for their home, even though they might spend years in it.

?Why should I research the history of my home? 

There are many reasons why someone might want to learn more about the history of their home. The main reason is because itís fun and interesting. Your search will bring you to places youíve likely never been before, whether itís federal records on the internet, or to dusty microfilm archives in your basement.

Aside from the fun of researching, your work could also bring to light useful information. You might be able to add to resale value by discovering additional details about the home. Similarly, if you come across old photos of the home you could attempt to restore some architectural and design details to their original form. Whether you do this to stay true to the roots of your home or to attempt to add value is up to you.

Where should I begin?

Like most research projects, the internet is probably your best place to start. To learn more about the property your home sits on you could search the National Archives land records. These records detail when a piece of land was transferred from the U.S. government to private ownership. In other words, you might be able to find information about the first person to ever own your home.

A good place to head from there is to run a title search on your property. You will most likely need to visit the town clerk or your local courthouse to access titles. This will paint a fuller picture of who the people who owned your home were.

Now that you know who, learning about the home itself will be much easier. There are several genealogy sites online (some free, others paid) which will help you learn about the previous inhabitants of your home. Feel free to Google their names, especially if they were a public figure. You might even find photos of your home.

What to do if you canít find any information

Just because you canít find any photos or details online doesnít mean they donít exist. You might need to reach out to relatives of previous owners to find out more information. 

Another option is your local library. Not only do libraries have a local history section complete with town records, but the librarians are also trained researchers who will be able to help you navigate the stacks. You could discover books containing details like population, town meeting notes, and new ordinances, including building codes.

Once youíve learned a bit about the history of your home, see if you can spot the changes that have been made to it over the years.




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Posted by Emerson Realtors on 9/20/2018

Thereís so much to consider when to comes to buying a new home. The first issue is that of your finances. You need to make sure that youíre preparing financially for the home search, and not just making your list of ďwantsĒ for a new home. Itís an exciting time when youíre purchasing your first home, but donít let the excitement overtake your responsibility. Hereís some tips to keep you on the financial straight and narrow path when preparing to buy a home: Be Mindful Of Your Credit Score Thereís many factors that can affect your credit score. Applying for new credit cards is one of those factors. Your credit score will drop a few points every time you have a new credit inquiry or open a new account. If you do get approved for new credit, lenders may have concerns that youíll spend up maxing out your new approved credit limit on that account and possibly default on your loan. Closing credit accounts is another factor that greatly affects your credit score. You may think that closing unused accounts is a good idea to help get yourself financially ready for becoming a homeowner. This isnít true. Closing accounts lowers your amount of overall available credit. This means that your debt-to-credit ratio is larger. This lowers your overall credit score. You can certainly make these smart financial changes after you close on your new home. Keep Records When you move your money around, make sure you have records of it. Your lender will want to know about any unusual deposits and withdrawals. Youíll need to prove where your money comes from. All of the cash that youíll be using for your home purchase should be in one account before you apply for a mortgage. Keep Up With Your Bills Donít increase your debt. This will have an affect on the very important debt-to-income ratio which is one of the most vital aspects of loan approval. Also, be sure that you donít skip your payments on bills. Your history of payments is incredibly important as well. Be sure that you continue to make full, on-time payments on all of your bills. Keep Your Job Even though a new job could mean a raise, or a better situation for you and your family, it could delay you in getting a mortgage. Youíll need to have your employment verified along with pay stubs to prove your source of income. Lenders like to see a longer employment history. Keep Saving The biggest up front costs in buying a home is that of closing costs and the down payment. Those must be paid at the time of closing. Lenders may even verify that your savings is on hand. Keep saving steadily and be sure to keep your savings in place.







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