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

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

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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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!

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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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Groundhog Day!

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Groundhog says “Home Buying Season Is Upon Us!”

It’s here!  Homes for sale are upon us. If you are a buyer looking to buy your next or first home, here’s a quick list to help you get started:

1.)  Get pre-approved with a good lender. You can get good faith estimates from more than one loan officer and choose which has the best options for you and your needs. Shop around.

2.)  Find a full-time Realtor® who is recommended to you by people you trust. If you don’t know of any, start asking around. It is important to find a full-time agent so you aren’t left hanging if they are only working part-time and you end up missing out on your dream home because your agent wasn’t available.  If you need one in the Twin Cities area, give me a call or text at 651-683-2467 or email me at lisa.maxwell@results.net.

3.)  Narrow down what criteria you must have, can’t live without, and expand it in a list format so you know exactly what you’ll be looking for.

Example:

MUST HAVE:  2 car garage, 2 bathrooms minimum, at least 3 bedrooms, fenced in yard for Fido, within 30 minutes of work

WOULD LIKE:  extra office or guest room, extra bath, mature trees, heated garage

4.)  Call a trusted Realtor and if you don’t have one, call/text/email me at: 651-683-2467 or lisa.maxwell@results.net.

There ya go!  You have your start to your new home search!

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Contact me at: 651-683-2467 or lisa.maxwell@results.net

Minnesota Ranked #4

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

Inauguration Day 2017

As our nation introduces our next President, why not introduce yourself to a new home!?  The market is heating up and you don’t want to miss out on your dream home.  Rates are rising, and are expected to continue rising in 2017.  Get yourself pre-approved and locked in to a good rate before it’s too late!

If you are thinking of selling, it is a great time to sell!  The inventory is low in the Twin Cities area, especially Woodbury, so if you’re thinking of selling, you have leverage right now.

A few tips for sellers:

  1. Don’t do anything that costs a lot of money and won’t help sell your home.  Stick with your kitchen, front door and/or garage doors for the biggest expenses to fix up your home before selling, depending on what’s needed most.  De-cluttering goes without saying.  Time to purge!
  2. Finish up that “Honey Do” list.  Or hire a handyman to do the job.  Buyers who see that leaky faucet, loose door knob, sticky lock, etc. will tend to offer lower prices because it leaves the impression the home hasn’t been well-maintained.
  3. Hire your own inspector before putting your home on the market and go through the inevitable list of things they will give you to fix, before selling.  This will save you the headache of having to negotiate in the final stages of a possible sale, with the possibility of losing the sale entirely if too many things end up showing up on the inspector’s list.
  4. Lastly, of course hire a good Realtor® to price your home properly.  If your home is underpriced, buyers will think something is wrong with it, and if it’s priced too high, you may end up with a lower price in the end because homes priced out of their range will end up sitting on the market for too long, and then buyers think something is wrong with it when it keeps coming down in price.  Get the right price, the first time and save yourself time and money in future mortgage payments on the home you’re trying to sell.

That’s it!  Happy Inauguration Day!

 

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