Sellers August 31, 2023

Seller’s List for Getting Your House Ready

Are you outgrowing your home? If you have moved before, you can understand why many people do not sell their homes until they have no choice. Everyone has a different line. However, we know being prepared and having a list can help organize the thoughts of selling our home to a more calming state, along with our first recommendation; get professional help.

 

Meet With a Real Estate Professional

 

1.     Find a Market Analysis

2.     Pre-listing inspection

3.     Gather your paperwork

4.     Establish A Price

 

Prepare Your Home   

                        

1.     Curb Appeal

2.     Clean the Home

3.     Make updates and repairs.

4.     Clean, depersonalize & declutter (a.k.a., stage)

5.     Remove the proof of pets

6.     Get Photos done

 

List for Sale

 

1.     Help your real estate agent promote your listing

2.     Check your listing for accuracy

3.     Keep your house ready for showings

 

Offers and Negotiation

 

1.     Agree on an escrow agent

2.     Prepare for a final walkthrough

 

Under Contract

 

1.     Work through the negotiations.

2.     Agree to the conditions and terms of the contract.

3.     Pick a move Out Date

 

Final Details

 

1.     Inspection completed

2.     Request final utility readings

3.     Finalize Mortgage details

4.     Final Walkthrough of the home

 

Closing: What You Need

 

1.     Driver’s license/ID

2.     The deed to your home

3.     Purchase contract

4.     Money Arrangements with the Buyer

5.     Your keys to the home

6.     Final utility bills that need to be settled/paid

 

An ERA Real Solutions agent in your corner to help you prepare for selling your home is key to a booming seller’s experience. We know your community and the ins and outs of the real estate market. ERA Real Solutions Realty specializes in real estate and homes for sale and ensures your list of needs is met when selling your home.

Uncategorized August 2, 2023

The Complete Buyers Checklist from Search to Close

Are you a fan of checklists?

 

The ERA Real Solutions Realty Buyers Checklist gives the buying client the full list of what is needed, from the first thoughts you want to buy to what to bring on the day of the closing to be prepared. Our realtors know this list well and can help with every step. There are many steps in the process but use this list to navigate buying your next dream home.

 

ERA Real Solutions Buyers Checklist

 

Preliminary

  •  Get Finances in order
  •  Obtain a pre-approval for a mortgage
  •  Pick a real estate agent

 

Start the Search

  •  Have an agent schedule showings
  •  Find your dream home

 

Make an offer

  •   Review Contract and Terms
  •   Negotiate purchase price
  •   Choose a Title Company
  •   Shop for Home Insurance Options
  •   Prepare for the down payment/earnest money
  •   Choose Target Closing Date
  •   Sign the Offer

 

Under Contract

  •  Deliver Escrow Check
  •  Secure a home loan
  •  Acquire home insurance and send proof to the lender
  •  Schedule a home inspection
  •  Order an Appraisal
  •  Conduct a Title Search
  •  Verify Funds for Closing
  •  Schedule Closing

 

Before you Close

  •  Transfer Funds for Closing
  •  Change your address with USPC, Bank, etc
  •  Set up utilities to be transferred
  •  Confirm all contingencies are resolved
  •  Schedule a final walkthrough

 

Closing Day-What to Bring

  • Connect with the Lender to wire the correct funds
  • Bring printed confirmation of your wire transfer
  • Government Photo ID
  • Social Security Number
  • Home Addresses from the last 10 years
  • Proof of homeowners insurance
  • Your copy of the contract
  • Checkbook, Bank Check, ACH Check for payments under 10,000 and under

 

Closing Day

  • Sign Closing disclosure, Promissory Note, and all other documentation
  • Title Transfer
  • Deed Delivery
  • Save Your Paperwork in a safe place
  • Get Your Keys

 

Do you like to have a paper copy?

Download the pdf.

 

ERA has been helping families for over 50 years. Contact our #ERATeam for help navigating your buying or selling real estate needs. Our commitment to our community and family is the same as we commit to our clients.

Uncategorized July 12, 2023

Get Cash Back When Buying Your House

Really and Here is How!

“Home is Where the Heart Is”

 

The stress of buying a house starts with the fact that it is the largest financial purchase in one’s lifetime. The purchase of a home usually is in the top three or five for most Americans. There are lots of great financial advice on how to make this significant purchase easier with some planning.

Communities are built on helping the people that live in them. Companies and groups invest in people in their immediate city, town, and state. They know there are benefits to helping the neighborhoods, and they do offer options for cash backs at a house closing.

Are you taking advantage of these offers to make the best of buying your dream home?

No matter what reason you decide to buy a home, being smart about the money you are spending and not spending is the key to lowering the stress of it. Realtors have many options offered by community partners that can give you some money in your pocket after the closing for a well-deserved vacation, new furniture, or the money back into your savings. Your choice, your money!

The primary partnerships for money back at closing come from community partnerships with realtors.

Your bank and financial institutions have many options for home buyers for cash back at closing to have your money secure with them anyway. Checking out what they can offer to make this purchase smoother is always a good bet. One of our favorites is First National Bank;

People think there is a revolving door to employers these days, but many offer great programs to build the community in which they work and play as well. In the military, Navy Federal Credit Union has unique partnerships with securing military families to their safe space.

Ironically there is one more place to receive cashback on something you always pay. Long-time vendors that you pay monthly offer cashback incentives in home buying. Consumer products companies like AllstateAARP, and AT & T offer programs when buying a home that leads to cash on closing day.

And Bonus: ERA Real Solutions Realty is a part of anywhere.re and ERA Real Solutions give many opportunities for rewards in programs like Family and Friends that help with the cost of buying a home. We have many reward opportunities that, if you ask your agent about them, can lead to a better balance of the money exchange the day you buy your dream home.

Buyers January 31, 2023

The first house you call Home!

Buying a house to make your home for the first time has great returns emotionally and financially. Having a place to call home is a dream for many. The decision is considered the most significant purchase in most people’s lives. Do you know what to think when it comes to this purchase? Getting a great realtor is essential, but start here with our first-time buyer’s tips.

 

5 Tips For First-Time Home Buyers

  • Know your financial situation
  • Put at least a 20% down payment
  • Select the mortgage type
  • Observe carefully
  • Consider the total cost

 

Le Corbusier

The home should be the treasure chest of living.”

And know your compromise list?

Read our blog on determining what makes your house your home:  What Can You Not Live Without in Your Home?

 

Fiona Apple

Home is where my habits have a habitat.”

Uncategorized December 5, 2022

https://www.cnbc.com/2022/11/18/how-to-afford-a-mortgage-as-interest-rates-and-home-prices-rise.html

Uncategorized September 28, 2022

Three Questions You Should Ask Before Buying!

Sep 08, 2022

 

1.     Are you planning to stay for more than five years?

 

Yes, answer question #2

No, you skip to question #3

 

2.     Are you in a financially stable position?

 

Yes, proceed to question #3.

No, you should rent.

 

3.     Can you budget handle mortgage, taxes, maintenance, and other costs?

 

Yes, you should buy.

No, you should rent

 

Fun Facts if you decide to Buy:

 

1.     Buyers viewed an average of nine houses during their home search. (NAR, 2021)

 

2.     On average, buyers spend eight weeks searching for a home. (NAR, 2021)

 

3.

 

If you decide to buy, hire a team to help you navigate the buying market. TeamERA can help with a checklist, the top listings, and knowledge of your community. ERA Real Solutions has been helping families for over 50 years. Contact our #ERATeam to help navigate your buying or selling real estate needs. Our commitment to our community and family is the same as we commit to our clients.