Wendy Johnson - RE/MAX Professional Associates



Posted by Wendy Johnson on 10/16/2019

You may be thinking to yourself that rather than hiring an agent, you could use that commission money for something else. In most cases, buyers' real estate agents will ask for five to eight percent of the property's purchase price, which is certainly not cheap.

After all, can’t you just post your ideal house on a Facebook forum or a couple of Whatsapp groups and find a suitable seller? If you have been through the arduous process of buying a home a few times, you may feel you've learned the ropes and know how to cut a good deal on your own. 

However, on the flip side, how would you know that the house you’re being offered is the best available deal? Unless you’re in the real estate business, it would be difficult to tell. Especially if you’re a first-time home buyer. Here are a few more salient points to think through:

The right price

It would be difficult to accurately tell the going price for the kind of house you’re looking for if you don’t have a finger on the real estate market’s pulse. Real estate agents are in the market on a daily basis and have a wealth of information on current pricing as well as pricing trends. This knowledge will help them find you a listing within your budget. Better still, they will be able to negotiate with the seller and save you a few extra bucks. This ability is because they have a fiduciary responsibility to work in your best interests. 

Disclosure

An experienced local real estate agent will help you get value for your money by exposing any hidden defects in the house. Your untrained eye may overlook some shortcomings in the state of a residence, clouded as it may be by the excitement of owning a new home. Your realtor will also make sure you get all the documents that you should have to prove your ownership of the property.

When you do decide to hire an agent, don't dial up the one on the property listing as they are representing the seller, and are not bound to work in your best interest. Getting an exclusive buyer's agent will ensure that you get better value.




Categories: Uncategorized  


Posted by Wendy Johnson on 10/9/2019

A real estate agent is a must-have for homebuyers, particularly in a highly competitive housing market. However, it is important to understand what it takes to work with a real estate professional to ensure you can enjoy a fast, seamless homebuying experience.

What does it take to get the best results from the homebuying journey? Here are three rules to follow so that you and your real estate agent can work together to find your dream house.

1. Establish Realistic Homebuying Expectations Before You Begin Your Home Search

Buying a home can be a long, costly process if you're not careful. But with the right real estate agent at your side, you can simplify your house search.

Ultimately, you should work with a real estate agent to establish clear-cut homebuying expectations before you embark on your search for the perfect residence. This will enable you and your real estate agent to work together to achieve a common goal.

With realistic homebuying expectations, you'll be able to help your real estate agent understand what you'd like to find in your dream residence. Meanwhile, your real estate agent can get to work and keep you up to date about available homes that will meet or exceed your expectations.

2. Understand Your Real Estate Agent's Role in the Homebuying Process

A real estate agent should define his or her role in the homebuying process. That way, you'll know exactly what to expect as you go from homebuyer to homeowner.

Typically, a real estate agent will set up home showings, negotiate with home sellers on your behalf and offer honest, unbiased homebuying recommendations. He or she also should be available to respond to your questions throughout the homebuying journey.

Your real estate agent will be happy to assist you in any way possible. By doing so, he or she will make it simple for you acquire to acquire your ideal residence at a price that matches your budget.

3. Ensure That Both You and Your Real Estate Agent Are Comfortable Working with One Another

Communication plays a key role in the success of a homebuyer and his or her real estate agent. If you keep the lines of communication open with your real estate agent, you should have no trouble staying on top of the housing market.

In most instances, a real estate agent will be able to keep in touch with a homebuyer via phone, email and text. At the same time, you should try to remain available to your real estate agent as much as possible.

With ongoing communication with your real estate agent, you'll be able to stay informed as new properties become available that fit your homebuying criteria. Furthermore, your real estate agent can help you alleviate stress by listening to your homebuying concerns at each stage of the homebuying journey.

Many real estate professionals are available in cities and towns nationwide. Start your search for a real estate agent today, and you can move one step closer to discovering your dream home.




Categories: Uncategorized  


Posted by Wendy Johnson on 10/2/2019

If you've lived in your home for very long, you know that lots of places collect dust, lint, grime, hair, fuzz and, well, gunk. Often, we become so busy in our daily lives that we neglect to remove the gunk until it causes a significant problem such as a clogged drain or even a fire in the dryer vent.

So, what to do? Get out the gunk, of course.

Put your gunk patrol on a schedule. Once every month, or more often if needed, check these areas and remove any debris built up there that can cause expensive calls to a plumber, electrician, or the fire department.

  • Vanity drains: In the bathrooms, the vanity drain collects hair, fuzz, slivers of soap and other junk that causes clogs. To clear the plug area, push the plunger in as far as it goes, reach into the drain area with tweezers and pull out any hair and slimy gunk hiding in there. New quick-release plugs with removable baskets make this job a snap. If the drain already has a clog, turn off the water access under the sink. Then gently remove the trap—the curved piece of pipe—to see if you can locate the clog there. If the trap is stuck, you’ll want to call in a plumbing professional.
  • Shower and tub drains: Similar to vanities, these drains clog with hair and other debris that washes down. Pull what you can from the upper side. If your shower grate has removable screws, you can loosen them and lift it off to access any clog. Tubs are more difficult because you cannot access the drain or the trap, so you may need to call a plumber for a plugged tub. To protect against this problem, place a hair screen (available at hardware stores) over the drain and clean it out daily.
  • Dryer lint hose: In the same way that lint builds up in the dryer lint trap, it also collects in the hose leading to the outside vent. Often, dryer hoses become kinked when pushing the dryer into place, so carefully pull out the unit and carefully unhook the hose from both the dryer side and the wall. Carry the hose outside and shake it out over a trash bin. Look through the hose to make sure you've removed all the collected lint. If necessary, use a bent wire coat hanger or broom handle to remove any lint you can't reach. Carefully replace the hose, making sure the clips are in place, and the hose remains un-kinked when you push back the dryer. Remember, built up lint causes more than just an inefficient dryer, it can also cause house fires.

Just a few moments each month can save a homeowner from tons of costly repairs. If you'd prefer to hire someone to take care of servicing these items for you, reach out to your real estate professional for a referral.




Categories: Uncategorized  


Posted by Wendy Johnson on 10/1/2019

Charming Antique Gambrel Colonial home situated on a beautiful wooded lot. This home features gorgeous hardwood flooring throughout, dining room with built in china hutch and large master bedroom on 1st floor. Arches and stunning wood railings add charm and character to this beautiful home. Living room has french doors leading to enclosed porch to enjoy the sun with your morning coffee. 2 spacious bedrooms on 2nd floor with additional room that could be used as a bedroom/office. 2 car detached garage and shed completes this package. Conveniently located minutes to Worcester ** House is being sold with an ADDITIONAL LOT that possibly could be made into a buildable lot. House contains .97 and lot .46. for total acreage 1.43** Chipping paint present - Seller will consider painting with an acceptable offer.

More Info on this Property | New Listing Alerts




Categories: Uncategorized  


Posted by Wendy Johnson on 9/25/2019

The US government has been helping Americans achieve their goal of homeownership for decades. Through programs offered by the Federal Housing Authority, the USDA, and the Department of Veterans Affairs, millions of Americans have been able to afford a home who would have otherwise struggled.

The focus of today’s post is one such service: loans offered through the USDA Rural Development program.

If you’re hoping to buy a home in the near future but are worried about being able to save up enough for a down payment or build your credit score in time, USDA loans could be a viable option.

Let’s take a look at some of the common questions people have about USDA loans:

Do I have to live in the middle of nowhere to get a USDA loan?

The short answer is “no.” rural development loan eligibility for your area is laid out on a map provided by the USDA. Most of the suburbs outside of major cities, as well as nearly all rural areas, are covered by the rural development program.

Can I qualify for a USDA loan if I’ve previously owned a home?

Yes. You may be eligible for a loan as long as you’re not the current owner of a home that was purchased through the rural development program. So, for example, if you own a home financed through the USDA and wanted to buy a second home and rent out the first one, you wouldn’t be able to finance your second home through the USDA.

How does the USDA loan guarantee work?

When you buy a home, a lender asks you to make a down payment. If you don’t have a down payment, the government (USDA, VA, or FHA) insures the down payment on your home rather than you paying it up front.

Will I have to pay mortgage insurance?

Unlike other subsidized loans, rural development loans require a “guarantee fee” rather than PMI (private mortgage insurance). The guarantee fee is 1% the total mortgage amount and this can typically be financed into the loan (so you don’t have to pay up front). In addition to the guarantee fee, USDA loans also charge an annual premium for the lifetime of a loan.

What are the qualifications for a USDA loan?

To find full eligibility information, complete the survey on the USDA’s eligibility website to find out if you qualify. However, the general qualifications are:

  • U.S. citizenship

  • Buying a home in a qualifying area

  • 24 months of income history

  • A credit score of 640 or higher for streamlined processing

  • Income high enough so that your monthly payments do not exceed 29% of your monthly earnings

What is the direct loan program?

The USDA really offers multiple urban development loans. The guarantee program, for which most single families utilize, and the direct loan program. Direct loans are designed for families who have the greatest need. You can also find out if you’re eligible for a direct loan by filling out the questionnaire on their website.