What to Consider when Buying a Home for Children

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community park photoBuying a home for adults is a little bit different than buying a home with kids in mind, and when it comes to choosing the perfect home for the younger members of your family, there are a few things you need to keep in mind. While there are plenty of aspects to consider when purchasing your home, whether it’s your first time or you’ve been through the process before, the following hints should help you narrow down your choices a little more easily based on the needs of your kids.

School District:  It probably goes without saying, but one of the most important factors in choosing a good home for children is the school district in which the home is located. You will want to do a lot of research about the schools your child or children will be attending if you purchase a specific home. You’ll probably want to spend some time looking into this before you ever even put in an offer, but know that you’ll need to work quickly to avoid the home you’re interested in being purchased before you have a chance to research the area.

Safe Location:  Is the home in a safe location with walkable streets? Are their clear, well-kept sidewalks in the area, or would your children potentially have to walk in the road if they go outside in your area? Are there parks within walking distance? Is the home on a busy road, or is it in a pretty quiet neighborhood? Are there businesses in the area, and if so, are they safe and family-friendly businesses? There’s a lot to think about when it comes to the location of your potential new home, so take your time and check out the area.

Backyard:  Kids and adults both are sure to be interested in homes that have larger backyards, and if you’re a parent hoping to ensure the safety of your children, a fenced backyard is always the way to go. Even in a safe neighborhood, it’s safer to let your children play in a fenced backyard than in a front yard, so you’ll want to choose a home that is either already fenced or can easily be fenced shortly after you move in.

Stairs or No Stairs?  The decision to buy a home with or without stairs largely depends on the age of your children and whether or not you plan to have any more. Of course plans can always change, but if your children are old enough to walk up and down stairs without risking a fall and you aren’t planning on having anymore, then a home with stairs should be fine. However, if you have toddlers and babies in your family, you may want to choose a home without stairs for safety purposes.

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Five Things to Consider when Buying a Foreclosure

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Scottsdale home photoBuying a foreclosure isn’t the same as buying any other type of home, and it comes with its own challenges and hurdles you might encounter during the process. With that said, however, it doesn’t have to be as complicated as it might sound, and with the right information to back you up, you should be able to work through the process successfully. Check out the list of tips below to give you a few things to consider when you’re thinking about buying a foreclosure, whether this the first time you’ll be going this route or you’ve done it before.

  1. You will not be able to negotiate:  Most of the time, the bank is the one selling a foreclosed home. Because the home is owned by the bank and they want to make back what they can as quickly as possible on it, they aren’t going to be interested in negotiating with you on the price. Every now and then, you may be able to get a slight reduction in the price, especially if the home has been on the market for a long time. However, for the most part, you should expect to pay the asking price for a foreclosed home.
  2. You’ll be buying your home as-is: For many of the same reasons why the bank is going to be uninterested in haggling with you on the price of the home, they’re also not going to want to make any repairs to it before you purchase it. They simply want to sell it as-is, which means you’ll need to be okay with the condition of the home before you ever purchase it. That’s not to say you should skip having a home inspection done before you finalize everything, but keep in mind that this inspection is mostly going to be for your own benefit and you won’t be able to request any changes based on its findings.
  3. You’ll need a pre approval letter from your lender before you can buy:  Whether you’re borrowing from your bank or from another lender, the bank selling the foreclosure is going to want to see proof that you’ve been approved for a loan before you can finalize the buying process. Basically, they don’t want to end up selling the home to someone who can’t afford it, and they also don’t want to waste time trying to sell it only to find out, in the end, that you can’t buy it for one reason or another.
  4. You probably want to work with an agent who understands foreclosures:  Unless you’ve already been through the process of buying a foreclosure in the past and feel pretty confident about it, you need to work with a real estate agent who knows what they’re doing. An agent with experience in foreclosures will know all about the ins and outs of the process and will be able to help you streamline it as effectively as possible. You’ll be much more likely to be successful with your purchase when you go through an experienced agent.

The housing market is hot this year and there may not be many foreclosed homes on the market.  We are local area experts in Scottsdale and Paradise Valley are.  We can find a home that meets your need and budget.

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Mortgages: Fixed or Floating?

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buying process people photoAlthough there are a lot of different variations on the types of mortgages available when you’re buying a home, they all boil down to two different kinds: fixed and floating. If you hear these terms when you’re doing your home shopping, you may start to wonder what they mean and which one is best for your needs. A firm understanding of the difference between a fixed mortgage and a floating mortgage can make a huge difference when it comes time to talk numbers with your bank, lender, or financial advisor.

Floating Mortgages:  These types of mortgages are also known as adjustable rate or variable rate mortgages. All three of these terms mean the same thing: a mortgage with an interest rate that can change over time. The benefit to choosing a mortgage like this one is that the initial rate is usually going to come in quite a lot lower than the standard market rate at the time you apply for the mortgage. However, as the years go on, the rate may fluctuate. Eventually, the rate will end up higher than the standard rate was at the time the mortgage was issued, which means you’ll be paying more than you would have in the end with a fixed rate mortgage.

This type of mortgage is really only a good choice if you absolutely can’t afford the standard market interest rate at the time of the mortgage but are certain you will be able to afford a higher rate later on down the line. You will be told up front at what time you can expect your rate to increase, but you may not always know how much it’s going to increase to ahead of time.

Fixed Rate Mortgages:  A fixed rate mortgage has an interest rate that never changes. Initially, the rate may be a little bit higher than it would be with a floating mortgage, but it will never change even if the market standards go much higher in a few years. These are usually considered the better option for most homebuyers because they are easy to understand and make it easy to budget the mortgage into the monthly and yearly household economy. There is usually some variance in the length of time that these mortgages last, and they can be anywhere from 15 years to 30 years in most situations.

If a fixed rate mortgage goes for 30 years, a good portion of that will be dedicated solely to paying off interest. This may sound bad, but for homebuyers who can fit the monthly mortgage payment into their budget without trouble, there’s not really much of a downside to it. A fixed rate mortgage is almost always the better option, but higher interest rates can make it difficult to quality for one of these mortgages.

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Summer Festivals Not to Miss in the Valley

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When summertime rolls around in the Valley, you may find yourself wondering what you’re going to do to pass the time. Luckily for you, there are plenty of great summer festivals that are just around the corner. You’re sure to find something you love to do among the excellent festivals that take place in and around the Phoenix area.

  1. Red, White and Boom – This is the annual fireworks celebration held in Phoenix every year. This is a huge event with a massive turnout, so plan to get there early and stay late for the exciting fireworks show! This festival doesn’t always take place directly on the Fourth of July, so be sure to check the schedule and find out when it will be going on.
  2. All American Festival – In Peoria, this festival kicks off the summer and offers lots for kids and adults both to take part in. Participate in a food eating contest or just stick around for the fireworks at night. This is a good old-fashioned Fourth of July festival that’s sure to please the whole family.
  3. Glendale Summer Band Concert Series – Do you love music? Who doesn’t? At this concert series, you can hear some of your favorite bands and maybe even discover some you’ve never paid attention to before, too. This concert series goes all summer long, so check out the schedule to plan your next night out.
  4. Scottsdale Art Walk – This is technically a weekly event and it doesn’t happen only in the summertime, but it deserves a mention because it’s a great chance to take a stroll and enjoy looking at beautiful works of art from local artists, too.
  5. Carnival of Illusion – This is a unique performance that’s based on old Vaudeville routines and is sure to surprise and delight adults and kids both. It’s shows once or twice per summer in Phoenix, so don’t miss it.
  6. Warped Tour – While you’re experiencing all the sights and sounds of summertime, don’t forget to catch Warped Tour when it hits Phoenix. This is a popular tour, so be sure to pick up your tickets ahead of time if possible.
  7. Arizona Community Short Film Festival – If you love short films or just like to support local artists, head to this annual event in Phoenix to get your fix. You may discover something about your own creative side while you’re there, too.

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Why Use A Realtor When Buying A Home?

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North Scottsdale home photoBuying a home can be a difficult time and may pose a significant challenge if you’ve never been through the process before. But even if you feel like you’re an experienced pro at the process, there may be a few ins and outs you aren’t aware of. When it’s time to buy your next home, don’t hesitate to look for a good realtor to help you out. You may be surprised what a difference a realtor can make.

Experience:  Realtors know a lot more about what a home is worth than you might, even if you’ve been shopping around for a while. Although you may always be willing to pay above the value of a home if you find one you can’t live without, it’s also a good idea to have someone along who can help you keep a good head on your shoulders about the price.

Negotiation:  A realtor’s experience can go a long way toward help you with the negotiation part of the homebuying process. The realtor can work with the seller’s realtor to help you find a price that works well for you, but your realtor can also help you catch repairs that may need to be factored into the final price. If you want these repairs to be taken care of before the home is yours, a realtor can help there, too.

Access:  When you’re buying a home, you have to wait until the listings show up on web sites before you can choose the ones you want to go take a look at. When a realtor is helping you, however, you’ll have access to listings as soon as they hit the market. Your realtor can help you schedule appointments to view homes that aren’t widely publicized, which may help you find something you never even knew existed.

Paperwork:  Last but not least, your realtor can help you make sure all your paperwork is filed correctly and in a timely fashion so you don’t miss any important deadlines. Sometimes, the homebuying process can be held up or may fall through altogether if you make just one mistake on your paperwork. With a realtor to double check everything, this is a lot less likely to happen.

Having a realtor as part of your homebuying process may seem unnecessary, especially if you’ve ever purchased a home before, but it always pays to have someone who knows what they’re doing on your side. Your realtor will work with you to find the perfect home to suit your needs and make you happy for many years to come.

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Keeping Pets Safe in Your Yard

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It gets hot in Arizona in the summertime, and your pets are probably even more aware of that than you are. When the hotter part of the year rolls around, make sure you’re doing everything you can to ensure the safety, health, and happiness of your furry friends. There are a lot of simple things you can do to improve their experience during the summer even when you need to keep them outside in the yard for a little while.

Keep Pets Abackyard photoway from Pools:  When it’s hot out, you’ll surely be tempted to get your swimming pool ready for the summer months. This is fine, of course, but if you’ll be keeping your pet out in the yard, be sure there’s some way your furry friend cannot get to the swimming pool. Even if your pet is a great swimmer, accidents can happen. Especially if you have an older or disabled pet, put a fence around the pool or around the part of the yard where your pet will be kept.

Offer Lots of Water:  Making sure your pet has lots of water during the hot summer months is key to a safe and happy pet. You can purchase special waterers that can be installed on your garden hose spigot and will allow your dog to access fresh, clean drinking water whenever he or she needs it. If you don’t want to go this route, however, you can always just be sure to put out several bowls of water and keep them filled. Some pet owners even fill small shallow kiddie pools with water for their animals.

Be Sure There’s Shade:  Shade is almost just as important as water for your pets. Pets can’t regulate heat the same way humans can, so it’s important that they can get out of the hot sun whenever possible. If your pet is shorthaired or hairless, you might also want to provide ample shade to reduce the risk of sunburn.

Never Leave Your Pet Unattended:  This is a good rule no matter what the situation might be. However, when you’re keeping your pets outside during the hot summer months, you should never go away from home and leave them there. You never know what could happen while you’re not at home to check in on things, and if your pet runs out of water or gets stuck somewhere that he or she can’t get to the shade, this could be disastrous.

Don’t Spray Pesticides:  This may not have to do with the heat specifically, but as summer gets geared up, you’ll be tempted to spray pesticides in your yard to make the outdoors more enjoyable. If you keep your pet outside much of the time, however, skip the pesticides, as they can be very toxic to pets. If you must spray your yard, plan to keep your pet indoors only for a few days.

Are you considering moving to the valley of the sun?  Click here to learn about Scottsdale and surrounding areas. 

 

Five Things That Increase the Value of Your Home

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scottsdale house photoAre you thinking about buying or selling a home in the Scottsdale area? Either way, you may be interested in finding out what can increase the value of the property. There are quite a few different things that can make a difference in the value of your home, but below, we’ve listed our top five choices that can help you either sell your home for a good price or buy the perfect home at a great value.

Location, Location, Location:  If you’re selling your home, you can’t do much about the location. However, you can be sure you talk to your realtor about mentioning convenient local attractions in the listing. If you’re looking to buy, pick something that’s not just convenient to your work or to good area schools, but also to popular attractions. For example, if you want a great home for the money, look for homes near Camelback or Papago Park for some great natural scenery and a lot of location-based value, too. Quick walking or biking to local attractions makes for a lot of resell value, too!

Update Appliances and Bathrooms:  If you’re trying to sell, replace old appliances and bathroom fixtures with new ones. Brand-new appliances will increase the value of your home significantly. If you’re buying a home, choose one with newer appliances so you know you’re getting the best value for your money.

Keep it Clean:  It may go without saying, but keeping your home clean can make a big difference in terms of its value. This will reduce the number of stains and other problem areas in and around your home. Keep the outside of the home clean, too!

Add Storage Space:  Buyers are always interested in storage space, so if you’re looking to upgrade a home you’re thinking about selling, add more storage space to make the house much more appealing. On the other hand, if you’re looking to buy a home, be sure you keep your eyes peeled for those that have plenty of storage in the first place. Later on, when you’re ready to sell, you won’t have to add as much to make it worthwhile to the next buyer.

Energy Efficiency:  Being green or at least eco-friendly is very popular in homes today, so the more upgrades you can make to improve the energy efficiency of your home, the more value it will have. Adding energy efficient windows is a great place to get started. Depending on your budget, you can take this all the way up to solar panels or just stick to improving your interior with efficient appliances and a hidden composting trash can in the kitchen.

Popular Trends in Kitchen Designs

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remodeled kitchen photoWhether you’re looking for a new home, considering selling yours, or just wanting to make an upgrade to your living space, the kitchen is a great focal point to pay close attention to. Picking kitchen design trends that are up-and-coming or have just become popular in the past couple of years is an excellent way to ensure that your kitchen is going to stay modern for as long as possible. It can be difficult to keep up with ever-changing styles and ideas, though, so it’s important to keep an eye out for any new trends that might be on the rise.

Easy-Open Cabinet:  In a modern kitchen, you can’t go wrong with automated sinks and easy-open cabinets. The more hands-free your kitchen space is, the more desirable it will be. Easy-open cabinets are mounted on hydraulics that can be opened with the push of a finger—or with your knee, hip, elbow, or whatever you’ve got free while you’re working on putting together dinner in your upscale new kitchen.

Gray Cabinets:  While starkly contrasting black and white kitchens are still popular—and probably won’t be going anywhere any time soon—gray cabinets and fully gray kitchens are starting to gain a lot of traction, too. Painting your cabinets gray and changing the color of your countertops to match can make for a beautiful uniform look throughout your kitchen. If you already have silver fixtures in place, that’s even better! Stainless steel appliances can complete this look for a truly stunning kitchen that’s sure to remain stylish for years to come.

Better Storage:  Whether you’re talking about a house, an apartment, a condo, or a townhouse, storage is key in any kitchen. No matter how small or large the kitchen space may be, the more drawers and cabinets present, the better off the whole room will become. Stacking drawers have become very popular in recent years, as have hidden cabinets and even those that may be uniquely-shaped but offer a little extra storage even so.

Wood Countertops:  Granite isn’t the only way to go anymore! For a warm and inviting texture that’s much different from the norm, wood countertops can be a beautiful addition to any kitchen. Combine them with other textures throughout the room for a contrasting design experience that’s sure to look amazing. They can look especially nice in a country style kitchen!

Farmhouse Sinks:  Last but not least, we’ve seen a recent trend toward big cast iron farmhouse sinks. They’re available in a lot of different colors to fit into just about any kitchen remodel, and they offer a lot of great benefits for any home. These sinks tend to stay in style no matter what types of trends the rest of the kitchen may follow, so if you’re looking for something timeless, you can’t go wrong with a farmhouse sink.

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Tips for Staging Your Home to Sell

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living room photoIf you’re planning to sell your Scottsdale area home, there are a lot of things you need to keep in mind. You may start to feel pretty overwhelmed with all the ins and outs of selling a home, and you might overlook one of the most important steps: staging your house before you ever start showing it. Home buyers are much less likely to purchase a messy home that hasn’t been properly staged, so putting a little effort into the look and feel of your house is sure to go a long way toward helping you make that sale quickly. Below are our top 4 tips for perfect home staging, even if you’re working on a budget.

De-Clutter Your Space: Cut back on the clutter throughout your home to help make the space look a lot more inviting. Even if it seems comfortable and cozy to you, others may not agree, and you’ll be a lot better off and make a better impression on potential home buyers if you reduce the clutter. Even if you have to put it all in boxes in the attic or garage for the time being, try to get it out of the living spaces.

Work on Curb Appeal:  Although the weather in Scottsdale can make a big difference when it comes to what you can do with your yard, be sure you showcase the beauty of your home and how it fits into the excellent natural mountain and desert surroundings. Clean your house with a power washer, be sure it’s freshly painted or at least doesn’t show signs of a lot of wear and tear on the outside, and prune any plants in your yard. Plant fresh flowers if your yard is a little barren.

Set the Table:  There’s no need to lay out a full-course table setting for six or eight people, but if you set your table in an inviting way, this is sure to drive more interest in your home. Keep the dining area clean and clear of clutter, and put out around four table settings with an interesting centerpiece that matches your room’s style. This is a little design trick that can make a big difference.

Stage Around Area Events:  Let local events do the talking for you, or at least work with them to help drive more interest in your home. Plan an open house or be sure your home is on the market in time for big area events that draw large crowds, or pick up some interesting décor to place around your home during smaller local happenings. Head to the Old Town Farmer’s Market, for example, and bring home some fresh fruit or flowers grown locally to help spruce up your interior for just a few dollars.

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Tips for Your First Year of Homeownership

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neighborhood path photoAre you a first-time homebuyer feeling more than a little confused about what you need to focus on during the first year of your home owning experience? Have you just bought a home for the first time in a long time and need a refresher on what this first year might bring? Either way, you’re in the right place! Buying a home is an exciting (and sometimes overwhelming) experience, but in the calm following the process, you may find yourself at a loss for what to do next. Should you dive right into remodeling? Should you save money? Below, we’ve listed our top 5 tips for the first year of homeownership, whether this is your first experience or you’re a pro.

Don’t Jump Right into DIY Projects
Maybe you bought your home with fun DIY projects in mind, and maybe you already know exactly what you want to get started on. Even if this is true, and even if you have plenty of money to set aside for these projects, don’t jump into them right away. Wait at least a few months before you get started on the kinds of home improvement that will take up most of your time, effort, energy, and funds. It’s best to wait at least six months, but three should do the trick as long as you’re sure you’ve got a solid budget in place.

Wait a While on Remodeling
Some professionals recommend waiting at least the first year before you worry about any remodeling in your home. Depending on your situation, this may not be practical or necessary, but you should wait at least six months until you’re settled in your new home and have decided for sure what you want to focus on with your remodeling budget. Your tastes and popular trends in home design may change quickly, so it’s best to “sleep on it” for a little while before making such big changes.

Fix Little Problems
While big projects can wait, if you notice small issues around your home, take care of them before they get out of hand. For example, if you notice your dishwasher makes a strange noise during one of its cycles or that your garbage disposal has quit working, take care of these problems as soon as possible. You never know when they could lead to something more significant that’s going to take a lot more money and time to fix.

Make a Budget
This is great advice for anyone in any situation and any walk of life, but it’s especially true for new homeowners. Make a budget and try your best to stick to it. This way, you’ll be able to put aside plenty of funds for savings that can be used at a later date to get started on those DIY projects and remodeling changes, too. And this will also mean you’ve got some extra padding in your budget for those inevitable times when a major appliance gives up without warning or a storm knocks down your fence.

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