Tuesday, April 21, 2015

Jam-packed full of Free Ideas...

Free advice... how I can help you with the roof over your head?

Those of you who read my blog regularly (thank you!) know that I am a professional Realtor in Middle Tennessee with a wide variety of practical real estate buying and selling experiences, both good ones and painful ones. You’ll also quickly note that my blogs are not simply cut-and-paste from somebody else’s ideas. Most importantly, you’ll observe I have gained vital, first-hand knowledge through each of these practical, personal experiences. I get great satisfaction from truly helping people, providing my lessons learned from these diverse experiences, and I can help you buy a home or sell the one you own.

Do you like where you live, but are tired of paying rent?

Have you ever wondered whether you could own the roof over your head? It costs you nothing for me to help you. For example, I work with professional lenders who will help you improve your credit standing. Particularly for first-time home buyers, they have have access to programs where you can own a home for little or no down payment. Your monthly costs are typically far less than your rent payments. (Think of it this way - your landlord is paying the property expenses, plus expects to make a hefty profit every month for his/her trouble, plus gets yearly tax-time benefits, plus benefits from the increasing equity of the property - and all that comes out of your rent check.) I can also help you attend a free workshop (a full-day or two evening sessions) to help you understand what the home buying process looks like – with no obligation on your part. These valuable ideas cost you nothing.

Ready to buy?

Since it’s become a more competitive and aggressive market, we will need to be better prepared before we start looking at homes. Let’s talk about what that looks like. By the way, did you know that the Buyer doesn’t pay the commission on a real estate transaction? Most often the Seller pays for that part of the transaction. Can I reduce the commission by not working through a Realtor? If you are working with a good and professional Realtor, you’ll find that you actually get a better deal, because that Realtor becomes your shrewd business partner, negotiator and advocate.

Are you happy with the home you live in?

That makes me smile, especially for those of you that I have helped in any way with that home purchase. Here’s where I can help you *for free*. Did you know that there are things you can do  to improve your home ownership experience? You wouldn’t drive your car for years without taking it to a mechanic. It’s often referred to as “Total Cost of Ownership”, and there are ways to keep those costs reasonable and manageable. In the same way, resources like home inspectors, stagers and warranties aren’t just for buying and selling. It doesn’t cost you a dime to have the benefit of their knowledge – and while you may not plan to sell your home for several years, you can benefit from their advice, enjoy the improvements now, and not pay for their services a second time later (when you do determine it's time to sell).

Thinking it’s about time to sell?

More free counsel from my experience – there’s more than just worrying about making sure your home looks good to prospective Buyers. Are you ready for your next home? Do you really know what you want to afford, and what you can afford to pay? That’s a great time to do a “dry run” – again no cost involved – about what the home selling process looks like. Do you have a termite contract in place? Lenders most often won’t allow your Buyer to buy without a clear termite letter. Do you know whether there are any major systems that may fail an inspection? It’s a good idea to take stock of what you have – before you think about advertising your home for sale!

Ready to sell? Or need to sell?

Have you ever worked with a Realtor who suddenly insists that you need to do a bunch of upgrades to get top dollar for your home? Believe it or not, that is often not the best approach. It’s important to understand the question before you try to answer it. What is a Buyer looking for? They want the right home, for the right price. That means they may *or may not* want to pay for the upgrades you are about to purchase. I can help a Buyer get those upgrades as part of their purchase price, and at the same time not have it be a huge chore and cost for you as a Seller. Fresh paint? Yes. Replace perfectly good carpet with new hardwood flooring? No. New kitchen cabinet knobs? Yes. Replace your countertops with new granite? No. Professional pictures? Yes.  You get the idea – provided the items are in good repair (see previous paragraph), this is all about how your home is presented and marketed to prospective Buyers.

Want more uncommon ideas?


Let’s grab coffee or a bite to eat or sit on a park bench on a sunny day and discuss – you can reach me anytime direct at 615-480-2955 or e-mail me at bill.munson@kw.com. Count on me for creative, realistic and *productive* ideas!

Wednesday, April 8, 2015

Tired of Renting? Don't miss this FREE resource coming April 18!

Check out http://www.hbeicalendar.thda.org for more locations and times. This 8-hour workshop is offered for low or no cost, in one or two convenient sessions. It will help us work together to find a great home that fits your needs!

Franklin
Date
Saturday April 18, 2015
Time
9:00 AM  - 4:00 PM
Contact
Stephen Murray
snmurray@charter.net
Description
Realizing the American Dream approved course taught at 129 West Fowlkes Street, Franklin, TN 37064. Attendees must preregister by calling Stephen Murray at 615-790-5556 or 865-617-2390 or by email at snmurray@charter.net. In conjunction with the class one-on-one pre-purchase counseling is conducted but may be prior to the class or after the class. There is no fee for attending this course, certficates will be given out at the end of the course.

Required Home Buyers Education for many lenders/programs. You will learn about the entire home buying process from start to finish. How to shop for a home, a lender, a loan product, insurance agent and closing attorney. You will also learn why good credit is important and how to develop a budget/spending plan. This is an eight hour class, and we provide all materials.”

Saturday, April 4, 2015

Homeowners - ever wish you owned a dump truck?

By this point you know I am about way more than just buying and selling homes. God has put a roof over your head, but He expects you to keep it going.

Everybody's moved leaves or yard and garden debris on a tarp to get it to the street. Here's a new tool/trick in my bag. Wish you had a dump truck once in awhile? Here's a handy contraption so you don't have to break your back with a shovel. Those of us over age 50 will *truly* appreciate it. Not bad for about $35 at Harbor Freight - https://www.youtube.com/watch?v=qSLLb4Q8gsw

And just so you know, 27 bags of good top soil (1 cu ft each) cost about $135 plus tax here in Middle Tennessee. That compares to the same amount in bulk = $35. And that much top soil weighs over A TON (more when it's wet).

An idea for those of you who don't have a pickup truck. If you have a friend who does, offer to buy this tool for them. Don't forget to ask for a 20% coupon (if you ask at the store, they'll probably just ring it up that way). Guess what? You win by making your job super easy, and your friend wins too.

Buying that plus a tank of gas makes for quick, easier work and a happy friend!

Wednesday, April 1, 2015

Helping Buyers - before you want to buy!

Ever thought of owning your own home? Looking to move to a larger home? I'd like to help you.

No, we're not going house shopping - yet. There's no cost or obligation for us to sit down, talk about what you'd like (someday or soon) for you or your family, and come up with a plan. There are lots of good programs to help you afford a home you can be proud of.

You'll quickly realize that I have assembled a team of professionals - willing lenders, inspectors, home repair professionals, warranty experts, and so forth. Especially when you're buying a home, most often their expertise costs you nothing. You may have heard (or experienced) that home buying can be a painful process - I pride myself on making it both easier and enjoyable!

I don't know your faith, but I do know that God provides for your needs - including the roof over your head. I am simply here to help. Interested? Let's talk. Worst case is, we will both learn something. Best case is, you will be able to afford a wonderful place you can truly call "home".

(You can reach or text me directly at 615-480-2955, or email me at bill.munson@kw.com)