Lisa Bradley - Re/Max Vision



Posted by Lisa Bradley on 6/12/2018

Once you discover your dream house, you probably want to do everything possible to acquire this residence. However, it is important to remain calm, cool and collected as you navigate the homebuying journey. Because if you act too hastily, you risk overspending to purchase your ideal residence.

Let's face it – the temptation to submit an offer to purchase your dream home that may require you to break your homebuying budget can be overwhelming. Lucky for you, we're here to help you consider your offer to purchase closely and ensure you provide a competitive homebuying proposal that won't force you to exceed your budget.

Now, let's take a look at three tips to help you craft a competitive offer to purchase your dream house.

1. Analyze the Housing Market

The real estate market may have major ramifications on the offer you submit to acquire your dream residence, and perhaps it is easy to understand why.

For example, if you are operating in a buyer's market, there likely is an abundance of sellers and a limited number of buyers. If you find your dream house in a buyer's market, you may be able to acquire this residence by submitting an offer to purchase at or near a seller's initial home asking price.

On the other hand, navigating a seller's market may prove to be tricky. In a seller's market, there is a shortage of high-quality houses available and an abundance of buyers. Therefore, if you want to purchase your dream residence in a seller's market, you may need to submit an offer to purchase at or above a seller's initial home asking price.

Consider the housing market closely as you prepare an offer to purchase. If you can differentiate a buyer's market from a seller's one, you can submit an offer to purchase your dream house that falls in line with the current housing market's conditions.

2. Weigh a Home's Strengths and Weaknesses

When it comes to putting together a competitive offer to purchase, it helps to consider a house's strengths and weaknesses. That way, you can account for the costs of any potential home repairs or improvements in your homebuying proposal.

You should consider a home's location as well. For instance, a home in a remote town may prove to be more affordable than a comparable house near a big city. And when you craft an offer to purchase, you should always account for a house's location.

3. Consult with a Real Estate Agent

A real estate agent can help you submit a competitive offer to purchase at any time. This housing market expert is happy to provide a recommendation about how much to offer to acquire your dream home. And if you have homebuying concerns or questions, a real estate agent is ready to respond to them at your convenience.

Want to buy your dream residence? Use the aforementioned tips, and you can avoid the risk of spending too much to acquire your ideal house.




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Posted by Lisa Bradley on 4/17/2018

The process of buying a home is anything but cut and dry. There will undoubtedly be some twists and turns along the way. First, you need to be pre-approved for a mortgage. Then, you’ll need to find a home that fits both your needs and your budget. Finally, you’ll put in an offer on a place and hope for the best throughout the rest of the process.


There are plenty of things that you can do as a buyer to make buying a home both easier and more streamlined. Below, you’ll find some of the best tips that are specifically for those seeking to buy a home. 


Give Them An Offer They Can’t Refuse


When there is a low quantity of homes and a high number of buyers, competition can get fierce. When the market is like this, you’re not guaranteed to get a property that you put an offer on. It may take making several offers on homes in order for you to finally get the keys to your dream house. 


You never want your offer to be too low. A low offer could be insulting to sellers and instead of being countered, could just be outright refused. Make an offer too high and you still have a problem. A high offer may be accepted, however, it’s not going to be approved by your mortgage company for you to borrow that much for the purchase. If an offer is accepted and a home appraises for less, you may be left with thousands of dollars that you need to pay on the spot in order to secure the home. 


The best way to present an attractive offer is to work with an expert realtor who can do the appropriate research and let you know what a good offer on the home would be.           


Know Your Contingencies


After an offer on a home has been accepted, you need to get to work on the contingencies that you’re going to want on the home. Your realtor will also be a huge advocate in this area. Contingencies will include things like the right to do a home inspection, the appraisal contingency, and the contingency that you’ll only be able to move forward with buying the home if you have appropriate financing. These protect you as a buyer so that if something falls through, you’ll be able to back out of the deal without a penalty.


Don’t Go Credit Happy


Once your offer is accepted and your financing is in place, don’t head out to buy tons of new furniture and appliances for your new home. Your credit matters until you get the keys to the house. Opening new credit cards or adding significant debt can affect your credit score negatively, possibly putting a damper on your home purchase. Hold off on making purchases until after you move into the house.    





Tags: Buying a home  
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Posted by Lisa Bradley on 4/10/2018

Moving is a big adjustment for any of us, yet it can be hardest on the children in our lives. Moving can mean a new school for your kids and a whole lot of unfamiliar faces. There are a few ways that you can help kids adjust to the change of moving to a new place and help them to feel at home faster. 


Let Them Be Involved With The New House


As a child, it can seem like moving into a new house is all about adults. Kids may feel that they’re merely along for the ride. You can let the kids pick out some things in the house. What color should their room be? Can the kids give some input on a new piece of furniture? Make moving a family affair and allow everyone in the family to feel included to make the transition smoother. 


Get Enrolled In Local Activities


See what types of local activities are available for the kids (and you) to be enrolled in. From tennis lessons to summer camp to after school activities, there’s plenty of things in a community that you and your family can get involved in. If you can find an activity to participate in with your kids, it will only make it easier for them to feel comfortable meeting other kids. You can also get acquainted with other adults to get some more information and insight about your new community. Making new friends and doing something they love will help your kids to feel right at home. The kids will feel more comfortable i their new school as well if they get involved.  



Help Kids Stay In Touch With Old Friends


Moving isn’t all about making new friends. Kids can still keep in touch with their old friends. If you didn’t move very far away, schedule dates for your kids to meet up with their old friends. If you have moved across states, encourage your kids to keep in touch with old friends through phone calls and video chat meetings. They’ll know that someday, they’ll see each other in person again. These actions can help in the transition of moving as well, since kids will see that their old lives have not been completely lost and forgotten about.


Stroll Around The Neighborhood As A Family


One great way to get adjusted to a new neighborhood is to explore it by foot. Make it a point to take an evening stroll as a family. The kids can learn a bit more about the area and begin to feel more comfortable in their surroundings with your help. You’ll also make discoveries about your new surroundings as a family.




Tags: moving tips   Buying a home   kids  
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Posted by Lisa Bradley on 4/3/2018

Purchasing a home in a buyer's market may seem like a fast, simple process. However, it is important to realize that homebuyers constantly compete for the best residences in cities and towns nationwide. And if you're not careful, you risk missing out on an opportunity to acquire your dream house.

What does it take to secure a home in a buyer's market? Here are three tips to ensure that you can do just that.

1. Study the Housing Market Closely

A buyer's market features a large assortment of top-notch residences and a shortage of property buyers. As such, this market heavily favors homebuyers, and property buyers who examine the real estate market closely may be able to boost their chances of purchasing a terrific house at a budget-friendly price.

For homebuyers, it is essential to establish criteria for your dream residence. With homebuying criteria at your disposal, you can narrow your search for the ideal residence and accelerate the homebuying process.

Don't forget to check out homes in-person, either. If you set up a home showing or attend an open house, you'll be able to envision what it's like to own a home and determine whether a residence is right for you.

2. Get Pre-Approved for a Mortgage

What good is shopping for a house if you cannot afford to pay for it? Fortunately, you can get pre-approved for a mortgage to understand exactly how much you can spend on a new house.

To get pre-approved for a mortgage, you'll want to meet with several banks and credit unions. These lenders will be able to offer insights into a variety of mortgage options, respond to your mortgage concerns and questions and help you select a mortgage that suits you perfectly.

Pre-approval for a mortgage is vital for homebuyers, particularly in a buyer's market. If you have a mortgage in hand when you explore available homes, you may even be able to avoid the temptation to overspend on a residence.

3. Collaborate with a Real Estate Agent

When it comes to navigating a buyer's market, a real estate agent can deliver outstanding support.

A real estate agent can teach you about the intricacies of buying a home and help you streamline the homebuying process. He or she also will be available to respond to your homebuying questions, ensuring you can make informed decisions as the homebuying journey moves forward.

Perhaps best of all, a real estate agent can help you alleviate stress as you search for your dream home. This housing market professional will keep you up to date about new properties as they become available, set up home showings and negotiate with home sellers on your behalf. By doing so, a real estate agent enables you to focus on what's important – purchasing a first-rate house at a price that matches your budget.

Buying a home can be challenging, even in a buyer's market. But with the aforementioned tips, you can simplify the homebuying process and move closer to securing a house that meets or exceeds your expectations.




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Posted by Lisa Bradley on 2/6/2018

If you want to buy a home in the near future, you’re going to need to really focus on the goal. Buying your first home is no small feat. There are a few habits that you’ll want to start right away once you decide that you’re ready to take the plunge into homeownership. 


Make Savings Automatic


If you’re going to start saving for all of the expenses that buying a home brings, the best thing that you can do is automate your savings. The down payment is usually more money than most people can even plan for. If you have a small amount of each paycheck go into a dedicated account for the house fund, you’ll be in better shape financially. You can never start saving too early or too much. The goal is to save as much as you possibly can. Put the money in a place where you won’t have easy access to it. If you don’t see it, you won’t spend it! 


Check Your Credit Score


Your credit report is one of those things that can’t be magically fixed. It takes some time and a little work to keep your credit score up. You’ll need to make sure that you make on-time payments each and every month. If there are any glaring mistakes on the report, you’ll need to fix them, as it could take some time for any changes to show up. The most important thing is to keep your credit record clean by making on-time payments, refraining form opening too many new accounts, and paying down any outstanding debt. Once you check your credit score and see what you have to work with, you’ll be in good standing in no time. 


Become A DIYer


When you move into a home, there’s a lot that may need to be done. If you can do some of the work yourself, instead of hiring contractors and other people, you may be able to save some money. This wouldn’t include anything dangerous like electrical work or complicated plumbing issues. There are plenty of projects that you can safely take on in a home that will save money and keep your home in great shape. 


Learn To Budget


Owning a home can actually be cheaper than renting in some cases. If you learn to budget, factoring in things like food, utilities, and how much you spend on entertainment, you’ll see how much you have to work with. See how much you’re spending and then decide where you can cut down costs from there. You’ll find more money that you can be saving towards a home. The best part about buying a home is that you own it! There is no middle man telling you what you can and cannot do in a space.




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