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home buying tagged posts

Keep your home organized

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about clutter and your mindset.

When I think about organizing my home, I like to take a step back and look at it from an outsider’s point of view. Think about a real estate agent coming over to tell you how you need to reduce the clutter in order to show your home. You be the real estate agent and look around your own home.

Make a list of things that you see that need work. Write it down so you have that list and don’t forget anything.

Do shelves seem like they have too much on them? 

Too many photos, nicknacks, books or other items can make your home look cluttered just because there is so much there. Think about what you can part with and what gives you joy...

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January Mortgages

Thanks to Mark Hines of Fidelity Bank for this episode of Tips from the Pros about mortgage rates.

Don’t forget Fidelity Bank Mortgage now has the lock and shop to insure the rate does not go up while searching for the home of their dreams. See attached.

Long term trend provided by Market Alert, Inc.

Some may be wondering where all the furloughed government workers claims for jobless benefits are?  As is normally the case with federal workers — they have a different system than the average Joe on the street.  There are more than 10,500 government employees who have sought benefits through the week ended January 5th, the latest period for which numbers are available.  

The federal jobless benefits are higher than those paid to ordinary citizens – but unlike regular citizen...

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2018 Home Sales

  • Wallace

Congratulations to all of my clients who are new home owners! Take a look at my home sales for 2018.

If you are considering buying or selling a home, contact me today!
Oh by the way, I’m never too busy for any of your referrals.

If you are moving out of the area, I can help yo...

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4 Reasons You’re Having Trouble Getting a Fire Started

Thanks to Clean Sweep for this episode of Tips from the Pros about proactive chimney sweeping.

A Partially Closed Damper

If you opened the damper for your fireplace, it’s possible that something on the interior or exterior is preventing it from opening fully. Soot buildup and water damage could lead to a damper in need of repair. Clean Sweep can examine the damper and complete any necessary repairs for it to work properly again.

No Pilot Light

If you have a gas fireplace, the pilot light can be extinguished by a strong gust of wind or downdraft. Try turning the pilot light back on by turning the control knob to the pilot position. Hit the red button that lights the pilot and hold it for about a minute before turning the knob on...

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Thin out your files

get rid of clutter with files, tips from the pros

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about clutter and your mindset.

Even though a lot of our paper has been eliminated by the computer, there are still a lot of pieces of paper we have to deal with. Every now and then we need to take time to go through them to avoid towers of paper.

Invitations

Invitations, flyers, save the date cards from events that have already happened or are no longer needed are taking up valuable space. Time to recycle these things if they are no longer useful.

Art projects

You don’t need to keep kids’ artwork from last year (and earlier). Keep only the most spectacular items of your kids’ artwork and take photos of the rest. Hang onto them for a year or less so everyone has a chance to see them and then let them go...

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5 Fun Facts about Thanksgiving

thanksgiving and turkey go hand in hand
Everyone loves Thanksgiving dinner, all the games on tv and a long weekend, but there are some interesting facts that you might not know about this holiday. Check out this month’s Item of Value and read the full story about Thanksgiving and its traditions we all love. Football, balloon animals and Pilgrims are a part of the holiday, but how did all of the customs that we take for granted get started?

Click here to get the full e-report.

If you are interested in buying or selling a home, contact Gigi today!
Oh by the way, I’m never too busy for any of your referrals.

 

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Home mortgage rates

Home mortgage rates

Thanks to Mark Hines of Fidelity Bank for this episode of Tips from the Pros about mortgages.

As most of you know FHLB (Federal Home Loan Bank) grant program ran out of funds in early October. The date funds will be available again for us to use is January 14, 2019. Fidelity Bank Mortgage again has $1,000,000 to use for its borrowers/buyers. Currently Baltimore County SELP still has funds and certainly MMP or the Maryland Mortgage Program.

More buyers are electing to build a new home as the inventory of existing homes is low. Fidelity Bank offers a 1 time close construction loan as well as the HomeStyle and FHA 203k renovation loans.

We are seeing less seller help on contracts and usually multiple offers resulting in a big win for sellers.

As always feel free to u...

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Clutter and your mindset

clutter and your mindsetThanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about clutter and your mindset.
Our homes are filled with belongings, even homes that are well organized. The way to happiness in a well-functioning home is to make sure you don’t have a bunch of stuff that serves no purpose.

Obligation

Do you keep things out of a sense of obligation? Cut that out today. There is no reason to keep things you don’t want or need. Hanging onto belongings because your favorite aunt left it to you or because it was a wedding gift leads to clutter.

Fear

Are you afraid of throwing something away and needing it later? If you have something for a year and you haven’t needed it, let it go. Saving things you might need in the future is simply adding to your clutter.

Anxiety

Ps...
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Meet Katie and Chris Peitsch

See what clients are saying

Meet Katie and Chris Peitsch

Katie and Chris Peitsch

What do you love most about your new home?

All the extra space! Moving from a townhouse to a single family home, basically doubled the square footage of our house. The large master suite is a nice perk too.

If you could sum up your experience in one word what would that be?  Why?

Fast. We only toured two houses before making an offer. The online tools Gigi gave us helped us to narrow down our search as we already knew the area we wanted to live in. Selling our townhouse was also surprisingly fast, we had an offer within a week. Again, the tools and suggestions Gigi and her team gave us about getting our house ready to sell made the process easier...

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Mortgage Rates

Thanks to Mark Hines of Fidelity Bank for this episode of Tips from the Pros about mortgages.

As expected the Feds raised interest rates 25 bps to 5.25% on Wednesday, noting that job growth has been “strong” and inflation has been close to their 2.0% target.  In addition, a larger majority of members (12 up from 8 last meeting) now expect an additional 25 bps hike by year-end and three more hikes in 2019.

The Prime rate is for short term lending like revolving charge accounts and HELOC’s (Home Equity Line Of Credit). This also affects the construction loans that rely on the prime rate as their benchmark.

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