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Downsizing – key tips and benefits

Changes in life may mean that you are downsizing the square footage of your new home in comparison to your current home. Moving is an ideal time to purge your house of items you no longer need or use. Don’t let downsizing cause unnecessary stress. Instead follow these tips to make downsizing a breeze.

1: Take inventory of items in your house and decide what you cannot live without. Think about the question, if you were on a deserted island, what five things would you want with you? Perhaps your list includes a family photo album, a book, your computer or a family heirloom. Regardless of what makes your list, make sure to keep these items safe for the move.

2: Do not wait until the last minute to get rid of excess items. The closer you are to the move, the more likely you might be to throw everything in a box and move it to the new home because you didn’t have time to decide whether or not to keep it. Schedule time every day or every week to make decisions on what you no longer need.

3: When you make a decision on an item, get it out of your house as soon as possible to avoid changing your mind. If you keep something around, you may subconsciously come up with a reason to keep it. However, if you dispose of it quickly, it is gone and you will not be reminded of it. As the saying goes, “out of sight, out of mind.”

4: Consider the type of home you are moving into when you downsize. Perhaps now you live in a home where you take care of the outdoor areas, but you are moving to a condo or townhome where you are paying for the outdoor maintenance to be done for you. In this case, you can depart with your lawn mower and gardening tools.

5: Avoid throwing items away in the garbage. Instead think about family members, neighbors, friends or co-workers who may benefit from the items you do not need or want. You can also donate items to a charity. Sometimes it’s easier to part with things when you know someone else will put them to good use.

One of the biggest decisions…

One of the biggest decisions you make in life is to sell a home. It can be a bit scary, but I will be guiding you through the entire journey. I will be sending you some tips on how to get your home ready for showing. If I can answer any questions, please let me know.

Tip #1: Declutter

When a potential homebuyer walks into your home, you want them to feel at home. Start by clearing the clutter.

Go room by room and pack up items you don’t use regularly. Take unused or no longer needed items to a donation center or throw them away. Keep in mind, if you haven’t used something in over a year, you probably no longer need it.

For items you will need, but not on a daily basis, ensure they are stored and organized in a hidden location such as a pantry, cabinet, closet or drawers. Store the items you packed for later somewhere off-site or arrange them in an orderly manner in the garage. Do your best to clear off countertops, tabletops, and shelves.

Removing the clutter will make it easier for prospective buyers to envision themselves in your home and also give you a head start for packing for your next move.

Buying a new home can be fun and stressful

Buying a home can be fun and stressful. Some of the stress is caused by the unknown. Whether you are a first time homebuyer or a seasoned buyer, arming yourself with information will ease some of the anxiety. Let’s take a look at the different types of selling situations we may encounter.

Traditional: A family has placed their home on the market at a set price. The challenge with this type of sale is the negotiation. The seller wants to receive the highest price while you will want the lowest price. One of the benefits of this sale is that the buyer is able to request updates to the home based on a home inspection.

Foreclosure: This is a lengthy process when the lender is attempting to recover the money loaned to the seller. Typically these homes will need work, whether it is buying all new appliances, fixing holes in walls, or replacing flooring, be advised that this option will likely come with some hard work. The benefit to buying a foreclosed home is that you may be able to purchase it for significantly less than market value.

Short Sale: The lender and seller have come to an agreement to sell the house for market value. If the home sells for less than what the owner owes the lender, the lender forgives the remainder of the debt. Unlike a foreclosed home, the homeowners are more likely to maintain the home and may possibly still be living in the home. However, because the lender must agree to the price of the home, the process to purchase a short sale can take longer.

New Construction: You always have the option to work with a home builder to have your dream home built. This allows you to choose your options and have a home that has finishes to your taste. However, be aware that when you walk through a model home, the highest quality features will be shown and these features may not be realistic in your budget.

As we view various homes, we can certainly discuss these different situations in more detail. In the meantime, please let me know if you have any questions.

Why It Pays to Be a Homeowner (Literally)

Why It Pays to Be a Homeowner
The classic buy vs. rent debate has been going on for ages. Is buying a home really a valuable investment, or are you better off renting and putting your money into other wealth-building avenues? While arguments can be made for both, and you should certainly never put all your eggs in one basket, the numbers speak for themselves when it comes to the financial benefits of owning a home. Let’s take a closer look at what they have to say.

Home values are going up, up, up. Between Q3 2016 and Q3 2017, U.S. house prices rose 6.5%, according to the Federal Housing Finance Agency’s (FHFA) House Price Index (HPI). On a home valued at $250,000, that’s a $16,250 bump in equity in one year alone! Adjusted for about 2% inflation, that number comes in around $11,000. Not too shabby!
Big cities are booming. It’s no secret that home values are rising faster in big cities, but just how fast? Of the 100 largest metro areas, the following saw the highest price increases from Q3 2016 to Q3 2017: Seattle-Tacoma, WA (13.8%), Stockton, CA (12%), Boise City, ID (11.2%), San Francisco, CA (11.2%), and Grand Rapids, MI (11%).
Income growth can’t keep up. Collectively, national house prices have risen about 34.6% over the last five years, which far outpaces inflation. On the flip side, the median household income has only risen about 10% from 2011-2016, according to the latest data. So what you may be lacking in higher wages, you could be making up in equity.
These numbers1 clearly illustrate that it pays to be a homeowner. Experts agree that these trends are likely to continue, making the case for homeownership even stronger.

Breaking It Down
If you already own a home, you can rest easy knowing you are increasing your net worth by building equity. But if you’re still renting — and some people have legitimate reasons to do so — you’re missing out on some awesome wealth-building opportunities. And the longer you wait, the more expensive it will be to start taking advantage of them. Bottom line: Make the smart decision to start building your wealth through homeownership. Either way, you’ll have a monthly payment. Why not make it work for you?

[1] All figures based on FHFA’s 2017 Q3 Purchase-Only Index.

Whether you’ve got equity you want to tap into or you’re ready to start taking advantage of the financial benefits of owning a home, let’s connect to find the right financing solutions for your situation.

This article was provided by:
Jason Harris
NMLS# 416892
Centier Bank
600 E 84th Avenue
Merrillville, IN 46410

4 Tips to Help Your Home Sell This Spring


The spring homebuying season is fast approaching. With more sellers on the market, it will mean more competition to sell your home quickly and for the right price. An experienced real estate agent is a valuable partner in this process, as they’ll handle things like marketing the property, holding open houses, helping you set a listing price, and negotiating with buyers. But you shouldn’t sit back and rely solely on your agent to get the job done. If you’re planning to list your home this spring, here are four ways you can better support your agent to help your home sell faster — and get the best deal possible.

Create a blank canvas. Your home may be immaculately decorated, but your décor is a reflection of your tastes and preferences — not those of prospective buyers. When selling, the goal is to enhance your home’s features and space in a way that helps buyers envision it as their own, which is why your agent will want to stage your home. To do this effectively, you have to remove the distractions (aka, your belongings) to create a blank canvas for the agent to work with. That not only means de-cluttering and making repairs, but it also involves taking down family pictures, putting worn or excess furniture into storage, and possibly even repainting in neutral colors. Don’t take it personally. Trust that your agent has your best interests in mind, and be willing to work with them so they can present your home in its best possible light.
Spruce up your curb appeal. First impressions are everything, which means your yard and front entrance should be well-kept and inviting in order to attract potential buyers. Your agent can help you identify areas where your curb appeal needs work, but as a general rule of thumb, be prepared to complete the following: trim shrubs and trees, plant seasonal flowers, cover dead grass with sod or grass seed, and install accent lighting to accentuate your landscaping. Also, jazz up your front porch with a new rug, an updated porch light, and a fresh coat of paint on your door. Bonus: Improving your curb appeal can increase your home’s value roughly 3% to 5%.
Get the word out. Your listing agent will handle a good deal of the marketing for your home, including taking professional real estate photos, putting a for-sale sign in the yard, and posting your home on the multiple listing service (MLS) and other online listing sites. But you can help by using your own circle of influence to get the word out. Share your listing with your followers on social media, and forward it to friends, family, and even neighbors. You’d be surprised how powerful word of mouth can be.
Price it right. More than a fresh coat of paint, the key to attracting buyers in a competitive market is to price your home right. Set the price too high, and you’ll deter interested buyers; price it too low, and you may leave money on the table. That’s why you should work with your agent closely to set the best asking price. Your agent will conduct a comparative market analysis of similar homes in your neighborhood that sold recently. These homes are called comps because they’re comparable in terms of size, features, and age, and will give you an idea of what people are willing to pay for homes similar to yours. Your agent should also compare listing versus sales price, as well as how long the homes were on the market. Homes that were initially priced high and stayed on the market longer are a good indicator not to set your asking price too high.


Organic Food on a Budget… Health Goals for 2018!

Organic food usually tastes better, and is better for you, but it can also be very expensive compared to non-organic products. Organic food can cost nearly 50 percent more, thanks to the extra labor required to produce it and consumers’ demand exceeding supply.

So how do you get tasty organic food without spending a ton of extra money? Follow these tips to get more bang for your buck.

Shop at farmers’ markets: You can get fresh organic produce for far less at a farmers’ market than you’d pay at the grocery store. It’ll taste just as good, and you’re getting your food straight from the source.

Choose seasonal produce: Out-of-season produce usually has to be imported, and that can really drive up the price. Focus your meals on in-season fruits and vegetables so that you don’t end up paying $6.00 for a pound of organic asparagus.

Shop more frequently, and plan your meals around bulk sales: The trick here is to only buy what’s needed for your meals, and to only plan for a week of meals at most. That way you’re less likely to throw food away, because you can use leftover produce for more meals before it goes bad.

Grow your own: A home vegetable garden will provide some extremely cheap organic produce, and gardening can also be a fun and rewarding hobby.

HAPPY SHOPPING! From your friends at Heritage Real Estate Services!

Thank you for reading our Blog for 2017!

Best Wishes for 2018!!




Short sale and foreclosure: How are they different?

As unfortunate as it can be when homeowners fall behind on mortgage payments and must face the possibility of losing their homes, short sales and foreclosures provide them options for moving on financially. The terms are often used interchangeably, but they’re actually quite different, with varying timelines and financial impact on the homeowner. Here’s a brief overview.

A short sale comes into play when a homeowner needs to sell their home but the home is worth less than the remaining balance that they owe. The lender can allow the homeowner to sell the home for less than the amount owed, freeing the homeowner from the financial predicament.

On the buyer side, short sales typically take three to four months to complete and many of the closing and repair costs are shifted from the seller to the lender.

On the other hand, a foreclosure occurs when a homeowner can no longer make payments on their home so the bank begins the process of repossessing it. A foreclosure usually moves much faster than a short sale and is more financially damaging to the homeowner.

After foreclosure the bank can sell the home in a foreclosure auction. For buyers, foreclosures are riskier than short sales, because homes are often bought sight unseen, with no inspection or warranty.

Prevent Frozen Pipes in Your Cozy Home

Prevent Frozen Pipes in Your Cozy Home

The season is changing and winter is on its way. And that means it’s time to think about protecting your home from the incoming elements, including freeze-proofing your water pipes.

When pipes freeze, pressure builds and could result in them bursting at their weakest point, potentially causing water damage to your cozy home. Pipes in attics, crawl spaces and outside walls are particularly vulnerable, especially when they’re subjected to extra cold air coming through utility line holes.

Many states will experience these types of temps at least once or twice each winter. Even in warm states, winter weather can freeze water pipes. It doesn’t have to be bitter cold. Temperatures only need to drop to about 20ºF for a few hours to put an exposed pipe at risk.

So What Can You Do?

The best way to prevent your home’s pipes from freezing is to keep them from being exposed to the cold. Here’s how:

  • Cover exposed pipes in crawl spaces or attics with insulation sleeves.
  • Re-route pipes to an inside wall.
  • Use caulking to seal cracks in the foundation or walls that let cold air in.
  • Disconnect garden hoses and turn off the water supply to spigots.
  • Keep cabinet doors open below your sinks to allow warm air in.

Here Comes the Cold!

If a cold snap is fast on the way and you don’t have time to take all the recommended steps, you can still help prevent frozen pipes with a simple turn of the faucet handle. Open your faucets just slightly to allow a small flow of water. Moving water is less likely to freeze, and it relieves excess pressure that builds if freezing does occur.

Winterize Your Vacation Home

Do you own a vacation home? Take time to winterize before you leave for the season. Here are some simple steps you can take to protect your home while you’re gone:

  • Drain all pipes and water heater.
  • Insulate pipes in crawl spaces and other uninsulated areas.
  • Pour non-toxic antifreeze in toilet tanks. (Only use antifreeze rated for plumbing systems.)
  • Locate and seal air leaks around windows, electrical outlets, doors and foundation.
  • Install storm windows or insulator kits for an extra layer of protection on your windows.
  • Cover outside faucets with an insulated cup or install “freeze-proof” faucets.
  • Increase the amount of insulation in your walls, attic and crawl spaces.

No matter where you live or how cold it gets — or doesn’t get — a little proactive protection can help keep your home safe and cozy. Happy winter!

Courtsey of Lillian & Team

American Family Insurance

Tips on Wills!


Did you know that you don’t have to be rich to need a will? It is the only way you can be sure that your property goes directly to who you wish to have it.

More importantly, a will is the only way you can appoint guardians for your children. With so much riding on a single document, you definitely don’t want to rely on online or generic forms – 0nly an attorney knows what is valid under state law.

Because your financial situation will probably fluctuate over time, it makes sense to use percentages rather than specific dollar amounts when bequeathing assets.

It is also important to review your will every now and then – keep it up to date, especially when you retire or undergo other major financial changes.

If you do not have a will, or if your current will needs to be updated or reviewed, please contact me for a referral. I know a wonderful estate attorney who can make the process pain-free and much easier than you might imagine.

Courtesy or Michelle Jacinto- Source Keeping in Touch


Tell your Members of Congress you oppose any tax reform plan that would weaken the tax incentives for owning a home, such as the Mortgage Interest Deduction, and not to let a tax reform plan increase taxes on homeowners by eliminating the state and local tax deduction.

The recently released tax reform framework promises to lower taxes for the middle class and create economic growth. However, restricting the Mortgage Interest Deduction to just the top 5 percent and repealing the deduction for state and local taxes would eliminate the time-honored tax incentives of owning a home for current and prospective homeowners. It could also lower the value of all homes by more than 10 percent and inhibit growth.

Send your message to Members of Congress. Complete this form to get started- link below….

Don’t Let Tax Reform Become A Tax Increase For Homeowners

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