I Can Help You Buy & Sell A Home Anywhere (in the U.S.)

A few weeks ago, we were visiting family and friends back on the East Coast, and we drove by a familiar sight. It was a Coldwell Banker sign in front of a home.

A welcome sight!

A welcome sight!

Seeing my company’s logo 1,500 miles from home reminded me of something important — the fact that I can help home buyers, home sellers and renters anywhere in the United States.

How Can I Help You?

Although I can’t be your actual REALTOR® if you’re not in Texas, I can do a variety of things to help you buy, sell or rent throughout the country:

  • I can refer you to one of my fellow Realtors from a Coldwell Banker office close to you

  • I will consult with my colleague to make sure that he/she is providing you with the same level of service you would expect if you were working directly with me

  • I can answer questions if you can’t reach them for some reason

  • I will help to make sure that you get a fair price

  • I will stay in touch with you and my colleague every step of the way

It’s like you get two Realtors for the price of one — and one of them is me!

From Alaska to Washington, D.C., I can help clients like you throughout our great country.

Whether you’re moving a few blocks, a few cities, or a few states away — call me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2013 by Shannon Rubin.

Working With Your Mortgage Lender

(This post is Part 2 of my “Mortgage Lender” blog series. You can read the first blog in the series here.)

Once you’ve found a mortgage lender you trust, it’s time to get to work. But not just for your mortgage pro — you need to be involved, because the more you know, the better.

Image courtesy of Stuart Miles / FreeDigitalPhotos.net

Image courtesy of Stuart Miles / FreeDigitalPhotos.net

You’ll want to know as much as you can about:

RATES

This is one of the most important parts of the homebuying process. Getting a good mortgage loan rate means less money in your monthly payment — and more money in your pocket.

Talk to your lender about:

  • Delivering on the rate or range they mentioned.

    • (It might not seem like it, but there’s a big difference from 5% to 6%.)

  • How your rates may vary, and the contributing factors.

    • (Ex.: Your income, assets and credit will be highly important.)

  • When the rates will be determined.

    • (They cannot be determined until credit and other guidelines are met.)

POINTS

A “point” is one percent of the amount of your mortgage loan. Make sure your lender explains:

  • What your points will be equal to and how they affect your loan rate

  • How points can be charged (for both fixed-rate and adjustable-rate mortgages) in order to increase the yield on the mortgage AND to cover loan closing costs

    • These points are usually collected at closing and can be paid by the borrower or the seller — or may be split between them.

FEES

Banks charge them, lenders charge them — fees are an unavoidable part of a major transaction like a home purchase/sale. Make sure to ask your lender:

  • What fees are associated with my loan?

  • Can you explain each one and how they might affect the overall loan?


GET ALL THE SPECIFICS

There are lots of other details worthy of your attention. You’ll want the answers to questions like these:

  • What loan programs do you offer?

  • Can I see a good faith estimate right away?

  • Can I see estimated closing costs?

  • Are you certain you can get a deal done by closing?

  • Can you get approval for my loan locally?

THE THREE MOST IMPORTANT TIPS ON WORKING WITH YOUR MORTGAGE LENDER

  • Do your homework. This is a huge amount of your money at stake!

  • Make sure you’re working with someone you trust at a reputable company.

  • Before you sign on the dotted line, make sure you understand all the details.

If you have a question about mortgages or choosing a mortgage lender, let me know! I’m a REALTOR who also worked as a loan officer in the mortgage industry — and I can help point you in the right direction.

Think you’re ready to start the homebuying process? Call 267.566.3448 or email me at shannon.rubin1@gmail.com right now!

© 2013 by Shannon Rubin.

5 Reasons You Should Use a REALTOR®

Whether you’re looking to buy or sell a home, I’d like to share one of the most important pieces of advice I can give you:

PLEASE PLEASE PLEASE work with a REALTOR®!  

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Hopefully at least one of these reasons will convince you to choose a REALTOR to work with — even if it’s not me.

  1. A REALTOR has complete access to the Multiple Listing Service (MLS) database. If you’re a home buyer, we can send you listings that you can’t find via online search. If you’re selling your home, we can help you write and place a listing that will attract the interest of potential buyers. 

  1. A REALTOR can help you negotiate the best possible deal. We know the market, we know the laws, and we’re committed to doing everything we can to help you.

  1. A REALTOR knows contracts. For many people, they can be complicated and confusing. But we know which forms to fill out and can walk you through them all.

  1. A REALTOR is bound by our code of ethics. Real estate agents have your best interests at heart, and we’re committed to serving your needs with honesty and integrity.

  1. A REALTOR can save you money. Not everyone knows the ins and outs of real estate transactions, how to get prices of comparable homes, and understand how the market affects home prices. But we do, and we put that knowledge to work for your bottom line.


I truly mean it — even if it’s not me, I wholeheartedly recommend working with a licensed REALTOR.

And if you’d like to work with me, please call 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2013 by Shannon Rubin.

How To Sell A Home in a Seller’s Market

Sounds pretty easy, right? And it should be — because heck, this kind of market is named after you!

But like all things, real estate can get complicated quickly. So let’s keep things simple and make sure you sell your home.

A few quick things to remember:

You’re in demand.
Your home, that is. With a limited “inventory” of homes available, it’s likely that you’ll have plenty of interest from home buyers. Don’t just take the first offer (unless it’s incredible!), and be patient. Let the bidding begin!

The price is right?
Because your home is in demand, you should be able to set — and get — a very good price for it. A year ago, home buyers were in the driver’s seat and getting great value on their purchases. Today, your home could be 10% more valuable than it was a year ago. (Or 20%. Or 30%. Your results may vary!)

Where are you going?
It’s great that you’ll probably be able to sell your house quickly and for a great price. But have you already purchased your next home? Rented an apartment or house? Because once you sign those papers, you and all your stuff need to be out of your old home. Make sure you and your REALTOR® have your next place all lined up!

So sit back and relax. As a seller in a seller’s market, you’re in a great position. Just keep your cool and be smart, and you’re bound to get a great deal.

Ready to sell your home and take advantage of the market?
Trust your future to the right REALTOR® — someone honest who will work tirelessly for you — like me!

You can reach me at 267.566.3448 or email me at shannon.rubin1@gmail.com today.

 

© 2013 by Shannon Rubin.

Odd Logic: 5 Reasons to SELL Your Home During The Holidays

During the holiday season, most people are focused on buying things. (Hopefully, you and your bank account survived Black Friday!)

And usually, it’s about cleaning up and fixing up your house and making it look nice for visiting family and friends.

So it might not sound logical, but I’m going to make an odd recommendation:
Consider selling your home during the holidays.

Here are five reasons why:

1) Someone who’s looking to buy in December is probably serious. If they’re looking during the holidays, they don’t want to waste time — and they probably know exactly what they want. This is what we call a “motivated buyer” and they are great to deal with!

2) Your home looks better during the holidays. Whether you go all-out with holiday decorations or not, even a nice wreath or some winter plants can give your home some extra curb appeal. And your neighbors will probably decorate for the holidays, making the whole neighborhood look attractive.

3) Homebuyers can get a last-minute tax break. Just before the year ends, someone who buys a home can take advantage of homebuyer tax credits — and benefit when they file their 2012 taxes in a few months. For more tax information, visit the IRS site.

4) Time off from work means time to house-hunt. Between holidays and vacation time, potential homebuyers can go house-shopping on weekdays when they would normally be at work.

5) The housing market will be busier in January. Lots of homes go on the market in January because people are busy with the holidays and “waiting for the new year.” For those reasons, your home might sit on the market longer because there’s more choices available for house-hunters.

So if you’ve been thinking about putting your home on the market, now is actually a great time!

And if you’re looking for a friendly, honest and knowledgeable REALTOR®, contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com right now!

 

© 2012 by Shannon Rubin.