mortgage-broker-networkMortgages are not something that you get every single day and they are certainly not something that you should know a lot about, especially if you are a first time home buyer.  However, if you are looking to purchase a home and you are looking to get yourself a mortgage, this is where you might want to brush up on your mortgage knowledge a little bit.

In the next couple blogs, we are going to make sure that you know everything there is to know about mortgages and just what you need to look for, especially being a first time loan getter.  Firstly, you want to make sure that you are obtaining all of the loan cost information.

This is certainly going to help you in planning out your budget and will absolutely make sure that you can afford the mortgage.

Negotiation-main_FullNow that we have talked a little bit about the fear that is associated with negotiating the price of your dream home down, let’s get to the root of the fear.  Do you think that the home owners are going to turn you down?  So what if they do?   At least you asked.

There is an old saying that you can not get the answer of no unless you try and that is all you are doing, is trying.  Now, if you really want to make an impact on the price of the home, you have to ready to walk away.

This is a huge step.  If you are serious about the sale and the price that you want, you want to make sure that you are ready to walk away from the sale if the home buyers do not cave.

negotiatePurchasing a home, especially right now is very expensive.  There are so many things to consider but if you feel that it is the perfect time for you to purchase a home, well then you need to learn exactly how to negotiate to get the best deal.  To be honest, most home buyers do not understand the power of negotiating but there is power behind it.

Is the price of the home you want too high?  Well then, that is where your negotiating skills are going to come into play.  To be honest, you negotiate every single day, what is so different about doing it for the home of your dreams?

Well, most people are scared of doing it but negotiating is not something that you should ever be scared of … ever.

Outdoor Lighting Trends: 2

foscarini modern outdoor lights havana bassaTouching just a little bit on the outdoor lighting options out there is not enough, it needed another post.  One thing that you need to remember whenever you are dealing with outdoor lighting is the fact that gold is out.  Gold is a color that used to be extremely popular but now, it is actually out and blacks and silvers are in.

If your home is a neutral color like white or even beige, you definitely will want to stick with blacks and silvers, as they will really work well with your homes color, but if your home is an unusual color, you may want to investigate a little bit.

Another option for outdoor lighting that is becoming very popular is tree lighting, as this creates some great night-time focal points around your yard!

Outdoor Lighting Trends: 1

outdoorlightingImproving your curb appeal of your home is something that many people do not even think about when they are looking to sell their home, however it is important.  Curb appeal is what will actually attract the consumers to your home and honestly, it is something that will get their foot in the door so that you can sell them on everything that your home has to offer.

Outdoor lighting is by far one of the best ways to improve the curb appeal of your home and in the next few blogs; we are going to talk about some of the trends in outdoor lighting that seems to be popping up.

Solar lights are certainly something that are popping up everywhere but by far, the color lights and orbs are something that are very popular in the way of outdoor lighting right now.  More in the next blog people!

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The reason that this is such risky business is that because you – as the home owner have insurance and your renter does not, you are now responsible for them.  The reason is because they are under your home and under your roof.  A lot of landlords nowadays are not even allowing their tenants to rent without renter’s insurance.

This should certainly be your policy as well, as they can definitely sue you for the damages that they reap if they do injure themselves.  For my fall … I am fine, I am not going to sue but from now on – I am going to ensure that I get renters insurance so things like this are covered.

Stats have shown that over 58% of renter’s do not have insurance … that needs to change and it all starts with you!

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In this blog, we have talked a lot about real estate and the market itself and we have also given you tips and tricks as a real estate agent as well as a buyer or renter.  With that being said, we are now going to talk about something very, very important … home insurance.

If you are a landlord and you are renting out to someone either a room or even an entire apartment, you might want to ensure that they do have renter’s insurance.  This can actually really harm you if they do not have renter’s insurance.

Recently … as of Sunday actually, I fell down the stairs of my rental home.  Now – I personally do not have renter’s insurance.  If I wanted to, because I am not covered and the landlords are – I can actually sue them because I fell down the stairs.  Now … I am not going to do that because I am fine, but what would happen if you weren’t fine?  More on this in the next blog!

tenants1Now that we have talked a little bit about what you should be doing with your tenants and how you should be meeting them face-to-face whenever possible, let’s move onto the rental application.  This is a piece of paper similar to a resume for the prospective renter and I can promise that if you evaluate it right, you are going to find the ideal tenant.

One of the first things that you need to do once you get the application is call of the past landlords that the tenant has had.  That way, you can make sure that the tenant has a good rental history, as that is what is going to be key whenever you are trying to get someone to rent something that belongs to you.

You always want to make sure that they are going to take care of it and you want to ensure that they are going to respect it.  Next, check their credit – do they pay their bills on time?  These are key things here.

tenantIf you are a brand new landlord, I can promise that you are going to have not only a lot of questions but you truly lack the experience that a lot of other landlords might have, therefore you might not know what a good tenant looks like versus a bad one.  Well, that is what we are here for and I can promise that there are a lot of different tenants out there for you to choose from.

Firstly, you always want to make sure that you meet the tenants in person.  You never want to rent to someone that you have not met or at the very least talked to do an extended period of time on the phone.  It is hard to find people to just come in and look at your space, but truly, you want to try to get as many people in as possible to see the place that you are trying to rent.

In the next blog, we will talk about how you can evaluate your rental applications and what the process is to truly find the right tenants for you!

CBR001292One of the very first things that you want to make sure that you do when you are trying to overcome your fear of cold calling is taking stock of yourself and your skills.  You want to list all of the things that you can do for the person that you are calling, list all of the qualities that make up you, as a person and make you the person the prospect should work with.

Next, you want to make sure that you list all of the benefits of working with you.  You always want to make sure that you keep these lists right by the phone so that way you can tell any prospects them without hesitating at all.

Finally, you want to make sure that you take the first step and pick up the phone – it is the hardest step but once you pick up the phone, you will feel better.