Closing Time

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You’ve made an offer and you’re ready to close!  Yee Haw!

So, get your coffee and your energy bars stocked because you’re going to need them!  Oh yes, closing is a long, tedious task, but it will get you your keys to your new home!  So, hang in there soldier.  You can do this!  Grab a hand squeezer exercise thingy to strengthen up those writing muscles and get ready to sign your life away!

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Contact me at: 651-683-2467 or lisa.maxwell@results.net  RE/MAX RESULTS

Before You Buy…

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There are some serious steps you need to take before you dive into buying a home, or even getting pre-approved.  Be aware that the process, itself, of getting approved will affect your credit.  In order to get pre-approved, your loan officer will need to run a credit report, which will, in turn, ding your credit.  The more times your credit is checked by companies, the more it is affected, so keep that in mind.  Don’t just willy nilly have your credit checked every month by other companies to see how your rating is if you are looking to buy a home soon.

Use this same advice for applying for any new credit cards.  Restrain yourself from applying for new credit cards to “save that extra magical percent off your next purchase”!  Department stores are notorious for these kinds of offers.  You must resist!!  It will affect your credit rating in a bad way to have open credit cards, so close the ones you don’t use and pay off the ones you do use.

Banks look at debt-to-income ratios, so be informed as to what yours needs to be by asking your preferred loan officer.  If you don’t have a loan officer, your Realtor® will happily refer you to a good one.  You may need to work on paying off some debt before going further in your home buying process.  Have no fear though, it might not take as long as you think!

Watch the video above to get extra tips as well.  Enjoy!

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Minnesota In Top 5

According to Wallet Hub, Minnesota ranked number four for raising a family.

The Best States to Raise a Family in 2017

WalletHub’s research team compared the 50 states and the District of Columbia based on 40 key indicators, such as housing affordability, the unemployment rate, median family salary, education, health and safety, and more.

Here are the states that emerged on top as most family friendly for 2017:

  1. North Dakota
  2. New Hampshire
  3. Vermont
  4. Minnesota
  5. Nebraska
  6. Massachusetts
  7. New Jersey
  8. Iowa
  9. Connecticut
  10. South Dakota
  11. Wisconsin
  12. Utah

Contact me if you’re thinking of relocating to the Twin Cities in Minnesota. It’s a great place to raise a family!  lisa.maxwell@results.net  RE/MAX RESULTS

Happy Mother’s Day

Show your Mama you know what you’re doing.  When you make your mom happy, everybody is happy!  Sell your home with me, and I’ll take care of the rest!

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Know What You Can Afford

It is important to know what you can afford before you start looking at homes.  Make sure your new payments do not go over one third of your income.  Make sure any promised raises in your pay are in writing or already in effect before implementing into your proposed budget.

You will also need a down payment, so make sure you have that set aside.  Your loan officer will be able to tell you exactly how much you’ll need.  Work closely with your Realtor to make sure all bumps and obstacles are smoothed out for you along the way.  lisa.maxwell@results.net RE/MAX RESULTS

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First Time Buying A Home?

There are programs available to you, as a first-time homebuyer, to be able to get into your home with much less money down than conventional loans, which typically require 20% down.  You can get much lower down payments if you qualify.  Asking a Realtor® who will give you a good referral to a loan officer or your own preferred mortgage loan officer will give you specific answers to all these questions.  RE/MAX RESULTS

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Happy St. Patty’s Day!

Top o’the mornin’ to ya!  You don’t need the luck of the Irish to sell your home with me.  I’ll get your home priced right the first time and give you the necessary steps you need to take in order for it to show well.  The market is in your favor!  Text/Call/Email me!  I’m here to help! RE/MAX RESULTS

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Daylight Savings!

you-me-phone

We just “lost” an hour last night.  Time is being lost!  Don’t let any more time get away from you in your home selling process!  Call me and I’ll get your home sold.  Fast! Lisa Maxwell RE/MAX RESULTS 

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Valentine’s Day

Happy Valentine’s Day!

Have you fallen in love with a new home?

Have you fallen out of love with the one you’re living in now?

Why not make this the year you make that move?

I can help you find the home to fall in love with.  I can also help you find a buyer who will fall in love with your home if you are ready to move on.  Whether you’re empty nesting, moving South where it’s warm, upsizing, downsizing, moving because of a job, or whatever the reason, give yourself the gift of freedom by making that change.

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♥Lisa