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Welcome To Our Newsletter, December 2022

Will a Home Inspection Help Sell your Home Faster?

Usually, a home inspection is done after an offer is made to buy a home. The offer will typically include a condition that the property must pass such an inspection. The buyer then hires the inspector, who goes through the home, top to bottom, inside and out, looking for issues.
However, you can also get an inspection done as the seller. In this case, you are paying for an inspector to produce a report on your home — before you sell. In fact, this is often called a pre-sale home inspection.
Why would you do this?

A pre-sale home inspection can make your property more attractive to buyers. This is especially helpful if you’re selling in a buyer’s market, where there are more homes like yours for sale than there are buyers. The report serves as an enticing feature of your listing because it reassures buyers that there are no unknown issues.
So, getting a pre-home inspection is something worth considering. For a buyer deciding between your listing and another home for sale, it can be a determining factor.


The Psychology of Clutter

There’s an interesting psychological characteristic of clutter. We tend to notice it more in other people’s homes than in our own. In fact, we may not even realize a room in our house feels cluttered and uncomfortable to visitors.
That’s why making each room look neat and spacious is so important when you’re selling your property.
Although the task may seem daunting at first, decluttering is relatively easy to do.

The simplest technique is to box things. You’re going to move anyway, so boxing makes sense. You can store the boxes of items you’re keeping in your garage. If you have a lot of boxes, renting short-term storage is an option.
When decluttering, you’re bound to come across items you no longer need or want. You can create separate boxes for items to trash, donate, or sell online. Deal with these right away, so they’re not included in your stored boxes.
An uncluttered home shows dramatically better to buyers. When they see a cluttered space — even if it’s neatly organized — it creates a reason not to buy. So, declutter your way to a faster sale at a higher price!

Take Advantage of Year-End Savings Opportunities

Want to save money in 2023? There are many money-saving opportunities — including tax savings — that you can realize if you take action before the year ends. Here are just a few examples of what to consider:
  • Do you own a business? Even if it’s just a side-hustle to make extra money, you can save on taxes if you make planned purchases this month. For example, if you need a new printer, buy it in December. That way, you may be able to take a deduction this year.
  • Check your subscriptions. Many types of subscriptions — publications, online apps, memberships — automatically renew in December. If you subscribe to something you no longer want, cancel it this month. Otherwise, you might be stuck paying the renewal fee.
  • Review your investments. Sit down with your advisor and go over your investments and other savings. You may be able to take advantage of year-end opportunities. Also check for investments or financial instruments that may be set to automatically renew this month.
  • Watch for price hikes. It’s common for companies to raise prices at the beginning of a new year. Review your bills for announcements of fee increases. Some of those may be negotiable. You might also want to make other changes to reduce the impact.
Taking time this month to review expenses and investments could save you a bundle in 2023. It’s worth the effort!

Welcome To Our Newsletter, November 2022.

Mistakes That Can Derail Your Mortgage App

A pre-approval isn't a guarantee you'll get that mortgage loan.

Want to keep your mortgage application on track? Avoid these mistakes:

• Big purchases. Making a major purchase just ahead of buying a home can send up a serious red flag.

• New credit cards. These require hard credit pulls and can lower your credit score. They also mean more debt, which can cause lenders to worry.

• Late payments. Falling behind on credit card and loan payments can send your credit score down (and your chances of getting a loan with it).

Changes in your employment can also derail your mortgage application, so avoid any job changes just before buying a house.



The Best Month to Buy a House
Did you know we're quickly approaching the best month to buy a house? According to data, homebuyers save the most by buying a home in December. All real estate is local so I can help you understand your local market but in some cases, buyers can pay up to 5% below listed price in some neighborhoods, months or categories.Buyers pay the biggest premiums by purchasing in the summertime. Buying in June means spending about 7% more than market value.


How To Get The Best Black Friday Deals
Want to save big this holiday season? Black Friday is the day to do it.
Here's how to get the best deals on the year's biggest shopping day:
  • Start early. Many stores start offering deals days or even weeks ahead of Black Friday.
  • Sign up for your favorite retailers' email lists. It might get you extra savings (or at least alert you to big deals).
  • Preload your payment info. A lot of Black Friday deals are limited, and you don't want to lose out by taking too long during checkout.
You can also sign up for store-specific rewards cards to get even steeper discounts.

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