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The Benefits of a VA Home Loan

June 11, 2019/0 Comments/in Blog /by Jessica Lake

Since its inception in 1944, the VA home loan has been used by more than 20 million Americans to get a mortgage. This program has some great advantages. VA Home Loan Basics Insured by the Department of Veterans Affairs (VA), VA home loans are available to our nation’s military vets, eligible active duty service members […]

4 Tips to Help Sell Your Home Fast!

June 4, 2019/0 Comments/in Uncategorized /by Jessica Lake

Some for-sale homes sell quickly. Others languish on the market for weeks or even months. If you need to move in a hurry, you might wonder how to see your home fast. Here are four tips on how to sell your home fast: Price to Sell The surest way to sell your home quickly is […]

The Benefits of a VA Home Loan

June 11, 2019/0 Comments/in Blog /by Jessica Lake

4 Tips to Help Sell Your Home Fast!

June 4, 2019/0 Comments/in Uncategorized /by Jessica Lake

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The Benefits of a VA Home Loan

June 11, 2019/0 Comments/in Blog /by Jessica Lake

Since its inception in 1944, the VA home loan has been used by more than 20 million Americans to get a mortgage. This program has some great advantages.

VA Home Loan Basics

Insured by the Department of Veterans Affairs (VA), VA home loans are available to our nation’s military vets, eligible active duty service members and qualified surviving spouses.

The program is very attractive for several reasons. To begin with, there’s a great deal of flexibility. You can get a VA-backed fixed-rate mortgage with a term of 15, 20, or 30 years.

VA loans are the only program that doesn’t require a down payment. This can save you money upfront. And whether you put down 1% or 20%, you won’t have to pay private mortgage insurance on your VA loan. This can save you thousands over the life of the loan.

Under the VA programs, you can refinance up to 120% of your home’s value. That could mean extra money in your pocket to put toward home improvements, a college education or whatever you choose. The VA also offers a streamline refinance program, which means there’s less hassle with documentation than on a comparable conventional loan.

How Do I Qualify?

You have to use a VA-approved lender.
You must meet military requirements for eligibility.
Your lender will need a copy of your DD-214 document from the military.
You’ll need to obtain a certificate of eligibility from the VA.
Your credit score must be 620 or higher to qualify for the program.
Call us today for more information on how to get a VA home loan!

Call us today for more information on how to get a VA home loan!

4 Tips to Help Sell Your Home Fast!

June 4, 2019/0 Comments/in Uncategorized /by Jessica Lake

Price to Sell

The surest way to sell your home quickly is to set an asking price that’s low enough to make your home attractive to buyers, but not so low that the price looks like a deceptive and deliberate ploy. If your asking price is reasonable, you should get multiple bids, which usually will settle around your homes true market value. Price too high and buyers will stay away, leaving you with a stale listing, slow selling home and multiple price reductions.

Always use recent sale prices of comparable homes, called “comps” to set your asking price because buyers will use this data to make their offers. Buyers don’t care home much you paid to buy your home, how much you owe on your mortgage, how much your home was worth during the last housing boom, how much you’ve spent to maintain and improve your home, or how much you need to buy your next home.

Clean, Declutter and Depersonalize

Buyers want to imagine themselves moving in and living in your home as if it were theirs. If your home is full of your stuff, buyers don’t have the space, mentally or physically, to imagine where they’ll put their own furniture and belongings. Make that space for them by removing anything of yours that might be a distraction, and clean, clean, clean your home so buyers’ wont picture themselves scrubbing up your mess after the home becomes theirs

Paint and Stage

If you have a little money to spencer and a week or so to prepare your home, the best investments your can make are a fresh coat of paint, inside and out, and a professional stager who will arrange your furnishings and home accessories to show your home in a way that will appeal to as many buyers as possible. Stagers also can bring in neutral looking artwork, artificial plants, accent tables, linens, throw pillows and other items to make your home look nicer than other homes on the market. Other good investments are professional carpet cleaning, fresh grout for bathroom and kitchen tiles, and colorful flowers planted in front of your home.

Work with your Realtor (The most important one)

Some homeowners are tempted to try to sell their home by themselves as a for-sale-by-owner, or FSBO. Few do so successfully. Work with your Realtor to come up with a marketing plan designed to sell your home fast. Explain that you have a short time frame and need quick results, and ask how soon you can expect to receive offers and close your sale. Your Realtor can help you price your home, make required disclosures to buyers, respond quickly to buyers’ agents, show your home buyers and negotiate a price, terms and closing date that fit your needs. Be honest about your home’s condition in online photos (or work to improve the look), so buyers won’t be disappointed when they see your home in person.

By using these four tips, your home has a better chance at selling fast!