Recent Blog Posts

When it comes to finding a home, this is an exciting time. Many people love looking at houses; however, the reality is that people also need to think carefully about how much house they can actually afford. Buying a home is a big decision and for many people this is going to be the most expensive purchase they ever make in their lives. Therefore, it is important to take the time to get this decision right. There are plenty of ways for people to calculate how much house they can actually afford. With a budget in mind, this will make the shopping process easier. The 28 Percent Rule One of the top ways that people can figure out how much house they can afford is called the 28 percent rule. This is a simple formula that states that the house should only spend 28 percent of their gross inco... 10/19/2021

Last week’s economic reporting included readings on inflation,  job openings, a speech by Fed Chair Jerome Powell on the economy, and the latest Consumer Sentiment Index from the University of Michigan. Weekly reports on new and continuing jobless claims and mortgage rates were also released. Hiring Surge and Job Separations Ease in August The U.S. Department of Labor reported fewer job openings in August with 6.49 million job openings reported as compared to July’s reading of 6.70 million jobs available. Analysts noted that this indicated a slowdown in hiring after businesses re-opened when COVID-19 restrictions lapsed. Job separations, which include quits, layoffs. and terminations were also lower with 4.50 million job separations reported in August as compared to 4.99 million separa... 10/19/2021

If you’ve had some trouble getting approved for a mortgage recently, you’re not alone. Many individuals face mortgage challenges due to past blemishes on their credit reports or a personal financial crisis that resulted in bills not being paid on time. In this post we’ll share three quick tips for sprucing up your personal credit before reapplying for a mortgage. With a bit of luck and hard work you can be on your way to purchasing that new dream home. Pay Off Your Credit Cards And Lines Of Credit The easiest way to improve your credit score and prove that you can afford your mortgage payments is to eliminate other forms of debt from your monthly budget. If you have outstanding credit card, student loan or other debts, get them paid off as quickly as possible. You’ll also want to avoid... 10/19/2021

There are lots of people who have heard that one of the top ways to ensure the best mortgage rate possible is to refinance. At the same time, it is critical to make sure that this process is planned out accordingly. Therefore, there are a few steps that everyone has to follow to make sure they are able to handle the mortgage refinancing process in a smooth manner that leads to the best rate possible. Ask If A Refinance Is The Right Step There are a lot of people who assume that a mortgage refinance is a financial win; however, it is important to keep the added costs in mind. For example, the refinancing process is going to lead to another closing. When this happens, there are going to be closing costs that must be considered. Therefore, the refinancing process could lead to a higher mo... 10/19/2021

For many people, their biggest monthly bill is their mortgage payment. Therefore, it should come as no surprise that there are a lot of people who are looking for ways to reduce their monthly mortgage payment. The positive news is that there are several ways to do so. By putting some of these tips to use, everyone can find a way to pay less every month on their mortgage, helping them save money for other expenses such as a new car, college expenses, or that next vacation. Shop Around Before Getting A Mortgage For those who are still in the process of buying a home, it is a great idea to shop around and see what the options are. Even though there are rates advertised in the industry, it is always a smart idea to visit multiple potential lenders and see what they are offering. Then, with... 10/19/2021

Last week’s economic reporting included readings from the National Association of Home Builders on housing markets, and Commerce Department readings on housing starts and building permits issued. Data on sales of previously-owned homes were also released. Weekly readings on mortgage rates and jobless claims were also released. NAHB Housing Market Index Rises in October The National Association of Home Builders reported an index reading of 85 for their Housing Market Index in October. This was the third consecutive month the HMI had a record reading and was the second consecutive month the index achieved readings over 80. Readings over 50 indicate that most home builders are confident about housing market conditions. Component readings of the Housing Market Index also rose in October. B... 10/19/2021

There are a lot of people who are looking to improve the home in which they live. One of the top ways to do this is to renovate the building; however, it is also important for everyone to make sure they know exactly what they are doing before they get started. There are several questions that everyone should ask before they start a home renovation project. Is The Home Worth Renovating? One of the top reasons why people renovate a home is that they think this is going to increase the value of the home. While this is certainly possible, everyone has to run the numbers and make sure they are either going to recoup their investment when they sell the home or that they are going to be in the home for a long time before they sell it. If the home is worth renovating, then it is fine to procee... 10/19/2021

Are you thinking about buying a new house or condo? If so, you’ve likely given some thought to your mortgage and as to how you can pay as little as possible in order to own your new home. Below we’ll share four easy steps that you can take to ensure you start out with an affordable monthly mortgage payment. Make A Large Down Payment On Your Home The easiest way to reduce your monthly payment is to invest as much as possible in your down payment. The less you have to borrow, the less you’ll be required to pay back. If you can put a sizeable amount down on your home you’ll find that your monthly payments are going to be very manageable. You’ll also save a lot of money in interest. Maintain A High Credit Score When a lender assesses your financial history they’ll take an in-depth look at ... 10/19/2021

Last week’s economic reporting included readings on inflation, retail sales, and consumer sentiment. Weekly readings on average mortgage rates and jobless claims were also released. Inflation Rate Slows as Retail Sales Increase Inflation rose 0.20 percent in September, which was the slowest growth rate in four months. Analysts credited the rise in consumer prices to less post-pandemic price shock as consumers adjusted to higher prices for goods. Consumer prices were boosted by used vehicle prices, which increased at their highest pace in 51 years. Core consumer prices, which exclude volatile food and fuel sectors, also rose by 0.20 percent in September as compared to August’s reading of 0.40 percent. The Commerce Department reported higher retail sales growth in September at a pace of ... 10/19/2021

What Does the Future Hold for Home Prices? If you’re looking to buy or sell a house, chances are you’ve heard talk about today’s rising home prices. And while this increase in home values is great news for sellers, you may be wondering what the future holds. Will prices continue to rise with time, or should you expect them to fall? To answer that question, let’s first understand a few terms you may be hearing right now. Appreciation is an increase in the value of an asset. Depreciation is a decrease in the value of an asset. Deceleration is when something happens at a slower pace. It’s important to note home prices have increased, or appreciated, for 114 straight months. To find out if that trend may continue, look to the experts. Pulsenomics surveyed over 100 economists, investment str... 10/19/2021

Davie Florida Home For SaleShenandoah13760 Cumberland Pl, Davie FL 33325 Home sweet home! 3/2.5 w/1 car garage & gorgeous view of lake on your patio in backyard, main bedroom downstairs, main bath and half bath downstairs too. 2 bedrooms & jack & jill bath upstairs. Granite counters & stainless appliances in kitchen & wine fridge! Baths renovated too. Upstairs bath has double sinks. Knockdown on walls, vaulted ceilings, new sprinkler pump installed & water is from lake. Wood laminate floors downstairs & carpet upstairs. Large side yard patio facing the lakeview, 1 car garage with brand new washer/Dryer. Hurricane shutters downstairs & accordions upstairs, brand new front door & garage door. Water heater 2018, AC 2016. Fantastic school district in beautiful shenandoah! Community pool aro... 10/19/2021

Davie Florida Home For SaleWoods Of Rolling Hills8220 SW 41st St, Davie FL 33328 Fantastic location in Alpine Woods of Rolling Hills community. This updated 4 bedrooms home features a large living area and an updated kitchen with an open entertaining area. A large backyard offers room for a pool or jacuzzi, and a children's play area. The garage was converted to a large bedroom or could be used for a home office. ***All showing will be scheduled for Saturday 10/23 from 10:30 AM until 3:30 PM due to tenants schedule*** https://livedaviefl.com/listing/A11113500  Click Here To View More Property --> DavieHomesForSale Michael Peron Real Estate Teamwww.AmazingDavieHomes.comwww.LiveDavieFL.com Direct Line: 954-779-6106 10/19/2021

Growing up in the northeast, nothing was more a part of the fall season more than apple picking and choosing pumpkins. As more farms were closing it was hard to find a place where you could go. Fortunately, our daughter Ashley and son in law Tom found a farm and it is close to us. We are happy to have found Silverman’s Farm which is really close to us in Armonk, NY.If you like picking your own apples this is a great place to visit.  Until recently you could even watch them make apple cider out of your own apples.Right now at Silverman's you can pick apples for a while longer and also get your pumpkins. Silverman’s Farm was founded by Ben Silverman in the early 1920’s. Born in New York City in 1898, Ben grew up loving plants and enjoyed gardening. At the age of 18, he moved to Connecticu... 10/19/2021

135 Red Rock Cove Drive, Sedona AZ 86351 Stunning Aerial Video Oak Creek Country Club West  - Golf Course Property 12th Fairway - Near The Tee Box 2 Bedrooms   |   1680 Sq Ft   |   2 Baths 0.25 Acres.   |   2 Car Garage   |   Single Level  Area 45 - Village Oak Cr   |   R1L-10 Zoning   |  $2,558 Taxes/2020 MLS # 528054 Virtual Video Tour    Discover More Info and Pricing!   Update:  After all the activity that I had on my previous listing also located in the Village.  I recommended that we have showings from Friday through Sunday and make a decision on any offers the following day.  There were well over 20 showings.  The activity was really outstanding for such a short window.  The potential buyer is a real estate agent from the Phoenix area and drove up especially to see this property.... 10/19/2021

Let's Go Find Your Dream Home This Fall!The 🔑 to happiness should also be the key to your new home! Also…I am loving this cooler weather to go house hunting. If you could move anywhere, where would it be? Get Your Home Sold With The Shanna Day Team Beautify/Ready To Sell Program!        Click here to view all of the Shanna Day Team Featured Listings FUTURE QUESTIONS If you have any topics or questions you would like answered, contact The Shanna Day Dream Home Team - we’ll find the answers for you! Shanna Day Dream Home Team Keller Williams Realty East Valley 480-415-7616 info@shannaday.com ShannaDayTeam.com EastValleyPropertyValues.com View ShannaDay Dream Team Profile      Let's Go Find Your Dream Home This Fall! 10/19/2021

When a homeowner accepts a purchase agreement and their property goes under contract with a buyer we find that many sellers are curious if they have to make their upcoming mortgage payment. It is very important that the property owner continues to make their mortgage payment on time especially if the homeowner is planning to buy another home. Not making your mortgage payment will create several challenges that you will want to avoid. You will be charged a late fee due to your delinquent mortgage payment. Your credit score could take a hit which could jeopardize your ability to get a new home loan. Thanks for watching this episode of Two Minutes on Tuesday!Sam Miller of REMAX Stars Realty710 South Main StreetMount Vernon, Ohio 43050740-397-7800 officeSamMillerSells.com #TwoMinutesOnTuesday 10/19/2021

Real estate inventory continues to be low.  While new listings outpaced pending sales, it was very close.  In September there were 11,373 new listings with 11,318 pending sales.  That makes this September the second best September for pending sales in the last 20 years.  Therefore, overall real estate inventory is still low with 7,757 total properties which equates to only 3 weeks of inventory.  Generally 3 to 6 MONTHS is considered an even market.  Homes in King County are especially tight, down 32.5% since last year at this time.  Prices in King County are up almost 7%, but outside counties are seeing a great increase.  For example, Kittitas County, which starts at Snoqualmie Pass, has seen a 26% increase in price from last September.  Condos were hit hard after COVID, but have recove... 10/19/2021

It's time for another update on Downtown SJ inventory! This morning downtown area had 57 active condos and townhomes which is again down from week before. There are signs market is slowing down so don't miss your chance! https://search.mlslistings.com/DE.asp?ID=DE-80921687345&eml=em1haGFuQGludGVyby5jb20= In Santa Clara county the medium price for single family home is now $1.4 Million which is an increase of 12%+ year over year. Average price per SqFt is now $929. Do you have any questions? Log in on Thursday 5-6PM via zoom. www.HomeSearchOnMLS.com It's FREE, quick, no pressure and informative. Your biggest investment is worth the attention! 10/19/2021

Coming up this November 12th!Another Eagle Ridge Ladies Night Out Eagle Ridge  Ladies Night Out Date: Friday, November 12thTime: 6 – 8 PM Location: Noah’s Bar & Bistro (17500 Monterey Road, Morgan Hill) RSVP: community@eagleridgehoa.us Details: There is a charge of $5.00 per person and bar tab to be handled independently. 10/19/2021

Thrilled to announce that TAX REP LLC, in partnership with UConn School of Business is launching the IRS Representation Certificate Program this Friday the 22nd!This program includes five, four-hour modules for a total of 20 hours of learning.They are: IRS Collections Offers-in-Compromise Audits Resolving Payroll Tax Cases Innocent Spouse Access to the self-paced course begins on Friday, October 22 and is available through Wednesday, December 22. Check out more on the program here: https://online.uconn.edu/irs-certificate-program/... Included in each of the modules are exhibits to help you understand the processes addressed and familiarize you with IRS forms and correspondence. This will allow you to evaluate each situation and determine what needs to be done to help your client.If you ... 10/19/2021