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Displaying blog entries 11-20 of 29

Packing it Up and Moving it Out!

by Desi Sowers

Let’s face it, no matter how prepared you think you are, moving is stressful .  One of the worst parts of moving is packing up your current house.  You are probably busy enough already, and now you are adding this huge task to your “to do” list.  It can be overwhelming.  One way to make it a little easier is to spread it out over several weeks instead of trying to do it all right before you move.  Here is a general timeline for packing that you can use as a guide. 

FOUR WEEKS BEFORE MOVING DAY: PRE-PACKING - If you are lucky enough to know a full month before you have to move, take advantage of it.  Pre-pack items that you won’t need or use before you move.  Out of season clothing, tools and small appliances, and collectibles/knick knacks are items that you won’t miss and you can get them out of the way.

THREE WEEKS BEFORE MOVING DAY: NON-ESSENTIALS - Among the items that you didn’t pre-pack, choose those that you know you likely won’t need before moving.  Books, extra linens, and kitchen items can be packed up because you likely won’t be doing much reading, and you only need enough linens, plates, and utensils for the number of people living in the home.  CDs and DVDs can go as well.

TWO WEEKS BEFORE MOVING DAY: TIME TO GET SERIOUS - Yes…now it is time to really start paring down the amount of “stuff” still in your home. If you have children,  allow them to choose a few toys/games to keep out, and pack up the rest.  If you have a home office, clean it out and box up what you plan to take with you.  Jewelry and shoes that you don’t wear daily can go as well.  You may feel that two weeks is a long time to go without these items, but trust me, it will go by fast!

ONE WEEK BEFORE MOVING DAY: SEVEN DAYS AND COUNTING: Now it is time to pack up all but the few things you will need to get through the last few days at your current home.  The rest of your clothes and kitchen items can go (leaving yourself what you will need until the move, of course).  Go through your medicine cabinet and toss any expired medications. Pack the rest except for the ones you take daily.

TWO DAYS BEFORE MOVING DAY: NOW IT’S GETTING REAL: At this point the stress might reach maximum levels, but if you have been following the time-line and packing a bit each week, you should be almost finished!  Box up your electronics (in their original packaging when possible), bathroom items, and any miscellaneous items that are left.  Keep a box for essential items that you will keep with you as you are moving.

MOVING DAY: IT’S HERE! All that should be left is furniture and appliances.  Whether you have hired movers to load the large items or you are doing it yourself, it will be so much more manageable with everything else already boxed up and ready to go.

IMPORTANT TIP: Label every box.  You can either write what is in the box or what room the box should go to.  Or both.  You will be glad you did when you are unpacking!

Remember that this is simply a general guideline.  You should do what is right for you and your family when it comes to packing and moving. But hopefully this will make what can be a trying and overwhelming time a little more pleasant.

 

http://www.desisowers.com/Blog/Moving-Day-Survival-Kit

http://www.desisowers.com/Blog/The-Top-Ten-Things-to-Look-for-When-House-Hunting

http://www.desisowers.com/Blog/The-Upside-to-Downsizing

What Women Want - She Sheds!

by Desi Sowers

The she shed trend has arrived and it looks like it’s here to stay. And really, what took so long?  Men have had their “caves” for years.  Women should have their own space to get away and unwind too!  Whether a she shed is used for relaxation and contemplation, watching chick flicks, or as a space for hobbies, it is a long overdue oasis for hardworking women who deserve a peaceful space to call their own.  If you’re ready to create your own she shed, here are some ideas for you:

If you already have a backyard shed, you are going to need to clean it out.  Completely.  You will want a blank slate for designing your perfect environment.  Find new storage options for the items you are keeping and give away the rest.  If you don’t have a shed, you can build one with an  easy-to-build kit purchased online or from a local home improvement store.

Show off your one-of-kind sense of style by giving your she shed a fresh coat of paint.  Choose colors that you love.  Do you want a rustic look, or do you dream of a storybook cottage?    The ideas for designing your personal retreat are endless.  Remember, it’s all about YOU!

Think about what you want the purpose of your shed to be.  Will you use it as a peaceful sanctuary where you can curl up with a good book?  Perhaps you might set up an easel and use it as your art studio.  Whatever your intent, be sure to keep it in mind while coming up with your design. 

You don’t have to spend a lot of money to furnish and decorate your she shed.  Search antique stores and flea markets for unique pieces.  The idea is to make it feel relaxed and cozy.  You might already have everything you need, but just needed a special place for it all. 

Choose a spot in the yard that takes you away from your day to day grind and makes you feel surrounded by nature.  Lush plants and window boxes full of flowers will give you a tranquil ambiance that will provide the calm environment needed for quiet serenity.

The most important thing is to make your she shed a reflection of yourself.  And remember…it’s a woman’s prerogative to change her mind, so as your interests and hobbies shift, your shed can transform with you and always be there to fulfill your needs and desires.

 

http://www.desisowers.com/Blog/Heavenly-Homes-Churches-Converted-to-Residential-Living-Spaces

http://www.desisowers.com/Blog/Ten-Décor-Trends-to-Avoid-in-2017

http://www.desisowers.com/Blog/Bedand-Breakfast

Help for First Time Homebuyers

by Desi Sowers

Are you ready to buy your first home, but worried you won’t be able to come up with the cash required for a down payment?  Don’t fret my friends!  There is help out there for you.  The Virginia Housing Development Authority (VHDA) has a down payment assistance program (DPA) in the form of a grant, and it just might be the best shot for a first-time homebuyer.  The DPA grant can provide eligible first-time homebuyers with the funds needed for their down payment.  If you qualify for the DPA program, you may receive a percentage of the purchase price to help with the down payment. You can check out the guidelines and requirements for your eligibility here.  Here is more information to help you determine if this program is right for you:

  • Maximum grant will be 3 - 3.5% of the purchase price, based on the down payment required for the eligible VHDA loan.
  • Buyers must have household incomes at or below program limits.
  • Down Payment Assistance Grant may be used with eligible VHDA loans only.
  • Grant funds may NOT be used in combination with other down payment assistance resources (including FHA Plus).
  • Down Payment Assistance Grant has no repayment.
  • VHDA’s eligible first mortgage must be locked on or after the program implementation date.
  • The eligible first mortgage must be locked prior to reserving the grant funds.
  • All borrowers receiving this grant are eligible for a Mortgage Credit Certificate (MCC). Borrowers must apply for an MCC through an approved MCC lender and receive an MCC commitment/approval prior to closing.  (And MCC is a dollar-for-dollar credit against your federal income tax liability. 
  • Other program requirements may apply.

A video tutorial is available to help you with the process of understanding and applying for the DPA Program.

Desi Sowers can also help you understand how you CAN afford to purchase your first home!  Give her a call at (540) 320-1328 and start your search for your first home today!

 

http://www.desisowers.com/Blog/Buying-a-Home-is-a-Sound-Financial-Investment

http://www.desisowers.com/Blog/Negotiation-101

http://www.desisowers.com/Blog/The-Top-Ten-Things-to-Look-for-When-House-Hunting

Buying a Home is a Sound Financial Investment!

by Desi Sowers

Trulia recently reported that buying is cheaper than renting in 100 of the largest metro regions by an average of 33.1%.   Surely this makes you stop and think, “why am I paying someone else’s mortgage when I could be a homeowner myself?”  Being a homeowner allows you to build long-term wealth because it is like a forced savings account.  By paying down your mortgage, you are building equity and basically paying yourself.  So, before signing another rental lease, take a look at some other benefits of owning a home:

  • Mortgage payments can be fixed while rents go up.
  • Equity in your home can provide future financial resources.
  • You can build wealth without paying capital gains.
  • You can become a landlord yourself and not only pay your mortgage but possibly make a profit.
  • You have the freedom to make a home your own with renovations and décor.
  • You can take advantage of tax breaks..
  • You will build closer ties to your community
  • Over the long run you will have greater net worth than if you were a renter.

With current mortgage interest rates still low, now is a great time to consider buying a home.  I can help you better understand your options and why owning is better than renting.  Contact me at (540) 320 - 1328 or at Desi Sowers and we can start your home search today!

Paint Colors that Sell!

by Desi Sowers

If you’re thinking about painting the rooms in your house, why not think about resale value while you’re at it?  Of course, you will want to choose colors that appeal to you personally, but at the same time you may want to consider how those colors might affect potential buyers in the future.  Looks aren’t everything, but they are important when making an impression on people who may possibly purchase your home.  Here is a palette you may want to consider if you want to make more money when you sell:

According to Zillow kitchens painted in light blue to soft gray-blue tones brought in $1,809 more than other colors while kitchens painted yellow saw resale value drop by about $820. 

Bathrooms painted light blue or periwinkle can bring in $5,440 more on average, while bathrooms painted in varied shades of white reduced home sale prices by about $4,035.

When it comes to your bedroom, the blues win again!  A pink one can cost you about a $200 loss in resale value, while a light cerulean or cadet blue bedroom can bring you an extra $1,856.


Blues seem to be the colors of choice for most rooms in the house when it comes to resale value, but one room where that is not the case is the living room. Zillow found that a light beige, pale taupe and oatmeal color tends to add $1,809 to home sales, while living rooms painted in varied shades of blue, silver and gray lose out on approximately $820.


So, if you’re looking for a low-cost way to upgrade your home, break out the paint brushes and make sure to choose the right colors to get more bang for your buck when you sell!

 

http://www.desisowers.com/Blog/To-Renovate-or-Not-to-Renovate-Should-You-Fix-Up-Your-Home-or-Sell-it-As-Is

http://www.desisowers.com/Blog/Ten-Décor-Trends-to-Avoid-in-2017

http://www.desisowers.com/Blog/The-Best-Chance-For-Selling-Your-New-River-Valley-VA-Home

Blacksburg VA Home Sales April 2017

by Desi Sowers

Desi Sowers has distinguished herself as a leader in the New River Valley real estate market. Desi assists buyers looking for New River Valley real estate for sale and aggressively markets New River Valley homes for sale.

Desi brings with her a keen eye for the details of buying or selling a New River Valley home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future – Desi Sowers will help make the most of your New River Valley real estate experience. Give her a call today, 540-320-1328, and discover the difference she can make during your family's move.

Radford VA Home Sales April 2017

by Desi Sowers

Desi Sowers has distinguished herself as a leader in the New River Valley real estate market. Desi assists buyers looking for New River Valley real estate for sale and aggressively markets New River Valley homes for sale.

Desi brings with her a keen eye for the details of buying or selling a New River Valley home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future – Desi Sowers will help make the most of your New River Valley real estate experience. Give her a call today, 540-320-1328, and discover the difference she can make during your family's move.

Moving Day Survival Kit

by Desi Sowers

You’ve closed on your new home and it’s time to move in!  This is an exciting time, but can also be a bit stressful.  Where do you even begin?  A good place to start is to create a moving day survival kit for yourself. It should include anything and everything that is important or of great value to you and should stay with you and not go with movers. Here is a list of “must have” items to make your move as organized and stress-free as possible:

  • Toilet Paper.  At least a few rolls. Trust me on this one.
  • Pain reliever and all your medications.  You don’t want to be searching for these necessities, so make sure they are easily accessible.
  • Toilet Plunger.  Yes, really. Especially if your new place only has one bathroom. Better safe than sorry!
  • Cash for tipping your movers.
  • A Multi-Tool.  While having a whole tool box handy would be great, there is only so much you can (and should) fit into your survival kit.  Something like a Leatherman will provide you with a way to open boxes and other small tasks…and it will fit in your pocket!
  • Trash Bags.  And clear recycling bags.  Look up where you can recycle locally and have the address in your phone so you can take packing boxes/materials there after you unpack.
  • Power Strip and Mobile Phone Charger.  There is nothing worse than discovering your phone is dying and you have no idea where your charger is!  The power strip will come in handy because you will probably clear one small area and can plug in your electronics, a lamp, a coffee pot, etc.…
  • Personal Hygiene Items.  Pack an overnight bag with your toothbrush, toothpaste, deodorant, soap, shampoo etc.  That way, when you are ready to call it a day you can jump right in the shower without having to search through boxes for them.
  • All Purpose Cleaner and a Roll of Paper Towels (or two). Hopefully move-in day won’t be cleaning day, but you never know.  Be prepared.  Even if the house looks clean, you are going to want to wipe down the toilets, sinks and counters.
  • Bottled Water and Granola Bars.   You are going to be hungry. And tired.  Have water and snacks on hand to get you through the day.  Look up some Take Out Restaurants and have their numbers in your phone so you can have food delivered.
  • First Aid Kit.  Well, at least a box of Band-Aids in case you cut yourself opening boxes.
  • Note Pad and Pen.  Because you WILL come up with a list of things you need and need to do as you are unpacking and you will want to write them down so you don’t forget.
  • Scented Candles or Air Fresheners.  Even the cleanest house will smell a little musty if it has been closed up for a while.
  • Flashlight.  Some rooms won’t have overhead lights and if you haven’t unpacked the lamps yet, a flashlight will come in handy.

Enjoy your new home!  And if you haven’t found your dream home yet visit desisowers.com and start your search today!

If you are preparing to list your house for sale, you may be wondering if the financial reward will be worth the time, effort and money to fix up things that are in disrepair or that are dated.  The answer to that question depends on a myriad of circumstances such as the current real estate market, the condition of competing inventory and whether or not the renovations that need to be made generally provide a return on investment.

Some home buyers are looking to purchase a "fixer upper".  They are looking for properties priced to sell, perhaps because they don’t qualify for more expensive homes or maybe because they want to make a profit by fixing the home up themselves.  Most fixer buyers want to do simple repairs such as painting walls, replacing light fixtures and putting in new carpet. Only a few want to take a house down to the studs and completely redo it.  These potential buyers will want a price for the home that will allow for all the repairs, the inconvenience of doing the work, and often a bit more.  For example, if a home is worth $200,000 fixed up but needs a new roof, and the roof costs approximately $10,000, a buyer most likely will not offer $190,000 for this home.  The reason is that they can probably find a similar house that already has a new roof for $200,000 and save themselves the headache of replacing it themselves.  A buyer in this situation might offer $175,000 or less, in which case it would make more sense for the seller to replace the roof and sell it for $200,000.

It’s important to note that many buyers are looking for "turn-key" homes.  They fear having to make major repairs because they might be more costly than anticipated or other problems might be revealed.  Even if the price is right, homes listed for sale in “as is” condition might not attract as many buyers.

However, before doing major renovations, there are many things to consider.  Smart sellers will research what their home’s market value will be once improvements are made and compare it to the cost of the renovations. If an upgrade won’t provide return on the investment, it probably doesn’t make sense to do it.  Knowing the condition of your competition is helpful.  For example, if other homes for sale in your neighborhood all have modern kitchens, it might make sense to update yours.  This doesn’t mean you should tear it down and start from scratch.  Often a minor kitchen remodel will suffice.  Also, keep in mind that kitchen and bathroom remodels are known to bring the best return on investment.

Start by making a list of the things in your home that are dated or in disrepair and then prioritize.  Here is a list of 10 minimum improvements to make before putting your house on the market:

  • Patch all holes and cracks in walls and ceilings.
  • Fix all appliances and HVAC systems.
  • Repair leaky faucets.
  • Replace worn carpeting.
  • Repaint dark or marred walls in neutral colors (not white).
  • Replace broken windows.
  • Repair the roof.
  • Change dated light fixtures/ceiling fans.
  • Replace old linens/window coverings.
  • Fix any code violations.

If your real estate market is a seller’s market and homes are moving quickly, you can get by with fewer fix ups, however a home that needs repairs will still deliver a lower price.  If it’s a buyer’s market, people might not even be willing to look at homes that need repairs.  Desi  Sowers can help you understand the current market in The New River Valley so that you can make informed decisions about whether to sell your house “as is” or not. 

Preparing for a Bidding War

by Desi Sowers

It is a seller's market in real estate this year and now that spring has arrived, the competition for homes is likely to get even more fierce.  If you are looking to purchase a home right now, chances are you may find yourself in a bidding war.  Be prepared!  Here are six ways to come out on top in a bidding war:

  1. Get your finances in order and get as much cash as you can.  It is never too soon to get pre-approved for a loan. In fact, the sooner the better.  Sellers will have lots of options and will be leery of those who do not have loans set in stone.  If possible, bring cash to the table.  Sellers will fear appraisals coming in low and loans falling through, so be prepared to cover the difference with cash.
     
  2. Don’t hesitate!  Be the first to make an offer, and make it a good one.  An insulting offer will put you at the bottom of the seller’s list, so it is not a good time to low ball.  Come in at or slightly below asking price so that they know you are serious about purchasing their home.
     
  3. Escalation Clause.  This is the amount of money the buyer agrees to increase the offer if there are other bids. If you offer the asking price of $400,000 on a house, but it might sell for $450,000, put in an escalation clause stating that you are willing to go as high as $460,000.  But know your limit.  Don’t offer more than you can handle.  Also, make sure the clause states that the seller can only take the winning bid up to a level just above the competing offers.  For example, if an offer comes in for $430,000, your bid would be upped to $431,000.
     
  4. Get a pre-inspection.  It will cost you a few hundred dollars, but it can help you in a super-tight market.  If you can make a bid that is not contingent upon inspection, sellers will look favorably on your offer versus the same offer from someone who has a contingency in their contract.
     
  5. Show the love!  If you have found the perfect house and really love it, don’t be afraid to let the sellers know, either directly or through your Realtor.  You can write a letter, send pictures of your family or even make a video describing why you love the house so much.  Be specific in your praise.  Sellers may appreciation the connection you feel with the house and choose you over other bidders.
     
  6. Think with your head, not your heart. Be smart! Purchasing a home is an emotional thing for sure, but emotions can get in the way of making wise decisions.   Make sure you have done thorough research of the market: look at the most recent comparable sales, compare prices from a year ago, visit local school, have coffee at the closest café and speak to potential neighbors.  Look at listings nearby.  Whatever you do, don’t overpay because you get caught up in the heat of the competition.  While the house may seem perfect for you, it is not the only house that will be perfect for you. So, keep a level head and make intelligent decisions.

 

http://www.desisowers.com/Blog/The-Top-Ten-Things-to-Look-for-When-House-Hunting

http://www.desisowers.com/Blog/How-to-Determine-if-You-are-Ready-to-Buy-Your-First-House

http://www.desisowers.com/Blog/Dont-Wait-Buy-Your-Home-in-2017

Displaying blog entries 11-20 of 29

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