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Follow up on Instagram

✔️ ʀᴇᴍɪɴᴅᴇʀ: your monthly homeowner to-do list!

▹ Increase Lighting Efficiency — when was the last time you thought about replacing your light bulbs? LED can use at least 75% less energy and last up to 25 times longer than incandescent lighting! 

▹ Improve Home Security — consider installing a Ring camera or look into the Blink system. Most of the time you think of a Ring Doorbell Camera, but there are other options! 

▹ Clean Sink + Shower Drains — prevent fruit flies and mysterious odors ... especially if you have a garbage disposal. 

▹ Test and Replace Detectors — just bought a house? Replace the detectors! You might not know when they were last replaced (or if they even work). You'll want to replace these every ten years. 

▹ Replace Water Filters — don't just reset the light ... actually take the time to invest in your health for good water quality! 

▹ Disinfect Trash & Recycling Cans — sometimes we avoid doing what should be done routinely because it's "gross", but did you know there are companies who can disinfect and deodorize your cans for you? 

▹ Clean / Replace Dishwasher Screens — have you ever thought about it? Some models don't have a screen, so be sure to check the owner's manual or research it online. You might want to consider the same with your clothes washer. 

Save this post for later and pick 1 or 2 off the list every weekend! What are you tackling first? ✔️ ʀᴇᴍɪɴᴅᴇʀ: your monthly homeowner to-do list! ▹ Increase Lighting Efficiency — when was the last time you thought about replacing your light bulbs? LED can use at least 75% less energy and last up to 25 times longer than incandescent lighting! ▹ Improve Home Security — consider installing a Ring camera or look int… Ready to take the next steps towards buying a home? It's a 𝗴𝗼𝗼𝗱 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗰𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗵𝗮𝗯𝗶𝘁𝘀. With inflation at an all-time high, the cost of (most) everything has gone up, so it's even more important now to get a grasp on what your true unnecessary expenses are. 

No, we aren't telling you to cancel your Amazon, Netflix, or Peloton Membership because they increased, however, you may want to consider a few changes! 

𝚆𝚑𝚎𝚗 𝚠𝚊𝚜 𝚝𝚑𝚎 𝚕𝚊𝚜𝚝 𝚝𝚒𝚖𝚎 (𝚒𝚏 𝚎𝚟𝚎𝚛) 𝚢𝚘𝚞 𝚛𝚎𝚊𝚕𝚕𝚢 𝚝𝚑𝚘𝚞𝚐𝚑𝚝 𝚊𝚋𝚘𝚞𝚝 𝚝𝚑𝚎𝚜𝚎 𝚎𝚡𝚙𝚎𝚗𝚜𝚎𝚜?

• Cell Phone / Internet / Home Phone Bill (compare carriers, negotiate costs, change plans)
• Daily Coffee / Tea / Shake / Smoothie (make it at home and prepare in advance)
• Grocery (meal prep, buy protein in bulk, take advantage of smart savings and deals)
• Home / Auto Insurance (compare carriers and coverage)
• Dining Out / Restaurants (consider a BYOB, limit yourself on frequency and choices)
• Credit Cards (compare interest rates, consider the utilization ratio, consolidate & balance transfer — pay them down & review your statements)

Buying a home is a big investment and you want to be comfortable in your decision. It's important to allow yourself the ability to purchase a certain home at a certain price, while also feeling comfortable making it your own, without feeling like it's a financial burden or as if you are overextended. Let's talk through how we can set up a personal savings plan and be strategic with payments.

#budgettips #homebudgeting #homebuying #homebuyingtips #realtortips #firsttimehomebuyer Ready to take the next steps towards buying a home? It's a 𝗴𝗼𝗼𝗱 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗰𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗵𝗮𝗯𝗶𝘁𝘀. With inflation at an all-time high, the cost of (most) everything has gone up, so it's even more important now to get a grasp on what your true unnecessary expenses are. No, we aren't telling you to cancel your Amazon,… Buying a home since 2020 has been quite a dynamic challenge, and we've seen a lot of creativity come from the changing market. Lately, with the rising interest rates, homebuyers have had to look into more creative lending solutions. As a result, we have seen Adjustable Rate Mortgages coming back into the market.

An 𝙰𝚍𝚓𝚞𝚜𝚝𝚊𝚋𝚕𝚎 𝚁𝚊𝚝𝚎 𝙼𝚘𝚛𝚝𝚐𝚊𝚐𝚎𝚜 (𝙰𝚁𝙼) is a great way to lower your monthly payment through a lower interest rate. These are traditionally shorter-term loans that begin at a lower rate and increase after a specific term (think fixed-rate for the first 5, 7, or 10 years, and then it can fluctuate every year after that, to an extent). If you plan on living in the home for a shorter period or plan to make improvements and refinance, it might make sense for you to explore an ARM. 

For example, a 10-year ARM has a fixed rate for the first 10 years and increases by a certain amount thereafter, up to a certain percentage increase/cap. Compare a 10-year ARM at 10% down with a 30-year fixed-rate mortgage at 20% down — you may get a similar payment, with less cash needed at settlement. 𝗞𝗲𝗲𝗽 𝗶𝗻 𝗺𝗶𝗻𝗱 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝘄𝗶𝗹𝗹 𝗮𝗹𝘄𝗮𝘆𝘀 𝗱𝗲𝘁𝗲𝗿𝗺𝗶𝗻𝗲 𝘆𝗼𝘂𝗿 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲. 

Let's talk specifics about your goals and see what makes the most sense for your lifestyle. I'd love to run through different scenarios and loan estimates so that you have a true understanding of what options you actually have. 
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#homeloan #mortgage #mortgageoptions #realtortips #realestatemustknow #homebuying #homebuyingprocess Buying a home since 2020 has been quite a dynamic challenge, and we've seen a lot of creativity come from the changing market. Lately, with the rising interest rates, homebuyers have had to look into more creative lending solutions. As a result, we have seen Adjustable Rate Mortgages coming back into the market. An 𝙰𝚍… Wondering if we’re in a housing bubble? If so, you’re not alone.

This market may feel a lot like the market in 2008, but don’t worry, there are some major differences. Here are a few reasons economists argue that we are NOT in a housing bubble like we were in '08:

✔️ Lending standards have significantly changed! Subprime lending and no-documentation loans were a huge concern and cause during the crash, leading to many government bail-outs and defaults of mortgages. Appraisal Management Groups have been set in place for more of a firewall between appraisers and lenders to avoid interference/influence on values. Basically, it's much harder to get a loan today than it was in 2008.

✔️ Real Estate is local. When the market crashed previously, it was due to lending across the entire nation, which triggered the stock market, among other things. What we are experiencing now is staggeringly low inventory in certain hot spots, causing prices and values to rise even with increasing interest rates. 

The main factors in the current housing market are low supply and strong demand, not subprime mortgages and sloppy lending. Yes, home prices are appreciating, and inflation is rising, but the market is strong with no hint of slowing down. 

If you’re curious about buying or selling in our current market, let's chat. I would love to answer any questions you may have!
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#realestateagent #realestatetips #realestate #househunting #homebuyingtips #firsttimehomebuyer #realtorlife #�housingmarket Wondering if we’re in a housing bubble? If so, you’re not alone. This market may feel a lot like the market in 2008, but don’t worry, there are some major differences. Here are a few reasons economists argue that we are NOT in a housing bubble like we were in '08: ✔️ Lending standards have significantly changed! Subp… ᴍᴏᴛɪᴠᴀᴛɪᴏɴᴀʟ ᴍᴏɴᴅᴀʏ ✨ 

𝙰𝚝𝚝𝚒𝚝𝚞𝚍𝚎 + 𝙴𝚏𝚏𝚘𝚛𝚝 = 𝙴𝚡𝚙𝚎𝚛𝚒𝚎𝚗𝚌𝚎

If you want a good experience OUT of life, then you need to take a look at the quality of what you're putting IN to life — how are you approaching the moments in your day? Are you being fully present, bringing joy into what you do, and taking advantage of opportunities? 

Things won't always go our way, but we can certainly control how we respond and react to the "uncontrollable." It's not healthy to dwell on the negative of a situation or a person. Why not channel that same energy into something more productive and inspiring? ᴍᴏᴛɪᴠᴀᴛɪᴏɴᴀʟ ᴍᴏɴᴅᴀʏ ✨ 𝙰𝚝𝚝𝚒𝚝𝚞𝚍𝚎 + 𝙴𝚏𝚏𝚘𝚛𝚝 = 𝙴𝚡𝚙𝚎𝚛𝚒𝚎𝚗𝚌𝚎 If you want a good experience OUT of life, then you need to take a look at the quality of what you're putting IN to life — how are you approaching the moments in your day? Are you being fully present, bringing joy into what you do, and taking advantage of opportun… Interior design can be overwhelming — especially if you don’t have a knack for it. How do you make your space look its best while reflecting your personal sense of style?

To help, here are a few home styling tips from top designers, so you don't have to figure it out all on your own.

‣ 𝚃𝚑𝚎 𝙿𝚘𝚠𝚎𝚛 𝚘𝚏 𝟹
Here's a little secret from top designers: The rule of three — a design principle used in every room: from a triangular layout, groupings of objects in size and shape, and the flow of a room. It's a way in which you can lead the viewer through an experience — odd numbers are appealing. Our eyes move around more and it creates energy. Think about groupings of candles, vases, pillows, artwork, and plants. 

‣ 𝙲𝚛𝚎𝚊𝚝𝚎 𝙷𝚎𝚒𝚐𝚑𝚝 & 𝙳𝚒𝚖𝚎𝚗𝚜𝚒𝚘𝚗
Instantly make a room feel more open by mounting curtains higher above the window to create the feeling of more space. Tip: do not allow the curtain to drag on the floor as it may defeat the purpose, and give off a heavy feeling. 

‣ 𝙱𝚘𝚞𝚗𝚌𝚎 𝙻𝚒𝚐𝚑𝚝
Position mirrors across from windows to reflect the natural light and give the illusion of another window to carry it throughout the space. 

‣ 𝙻𝚊𝚢𝚎𝚛𝚎𝚍 𝙻𝚒𝚐𝚑𝚝𝚒𝚗𝚐
No room is complete without a light fixture. In fact, according to many designers, no room is complete without at least three light fixtures. This set-up should give you plenty of ambiance options, and you can make it even more flexible by adding dimmers to your lights in order to create a specific mood/vibe. 

‣ 𝙿𝚞𝚝 𝚊 𝙵𝚘𝚌𝚊𝚕 𝙿𝚘𝚒𝚗𝚝 𝚒𝚗 𝙴𝚟𝚎𝚛𝚢 𝚁𝚘𝚘𝚖
Statement-making pieces can take a home from simple to striking, but snag too many, and you may overwhelm your space. One rule of thumb to follow? Put a single showstopper in every room: a dramatic light fixture, a captivating piece of art, a large piece of furniture, or a towering houseplant. Have fun with it and lead the viewer to experience a certain space.

#interiordesign #homedesign #homestaging #homestagingtips #interiordesign2022 #homestyling Interior design can be overwhelming — especially if you don’t have a knack for it. How do you make your space look its best while reflecting your personal sense of style? To help, here are a few home styling tips from top designers, so you don't have to figure it out all on your own. ‣ 𝚃𝚑𝚎 𝙿𝚘𝚠𝚎𝚛 𝚘𝚏 𝟹 Here's a little … When making an investment, whether in real estate or the stock market, it's important to remember the cyclic nature — there may be dips, and there will be recoveries and gains. Just like the stock market, the real estate market is a long-term investment.

If we take a look at 2008 when there was subprime lending and no-documentation loans for lower credit score borrowers, home prices fell 33% ... and have since gained well over 50% in just 10 years (think about the double-digit appreciation over the past 2 years alone). 𝗧𝗵𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗯𝗲𝗰𝗼𝗺𝗲𝘀: 𝘄𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 / 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗽𝗹𝗮𝗻?

There is no question that inventory is down compared to the number of buyers in the market, along with the fact that builders have been struggling with supply due to increased costs and labor shortages. Therefore, this means it continues to be a favorable market for sellers, even with the rise in interest rates. 

If you're considering selling this year, don't let the increasing interest rates deter you — it may have weeded out some buyers from the market, but overall there is still pent up demand for homes, and housing prices aren’t showing any signs of leveling off in the near future.

Let's get together for a coffee or tea to talk about projections and your real estate goals – it's kind of my passion and would love to hear your real estate plans for 2022 and 2023, and discuss how I may be able to help!
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#interestrates #housingmarkettips #realtortips #realestateagenttips #realestate #2022housingmarket #realestateinvesting #realestatehottips When making an investment, whether in real estate or the stock market, it's important to remember the cyclic nature — there may be dips, and there will be recoveries and gains. Just like the stock market, the real estate market is a long-term investment. If we take a look at 2008 when there was subprime lending and no… In today's market, hiring the right agent is the single most important thing you can do, regardless of whether you are buying or selling. An experienced agent can help guide you throughout the process, alleviating any stress that can go hand in hand with buying or selling your most expensive asset. 
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Here's how an agent makes the process easy, enjoyable, and as simple as possible. ⁣
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𝙱𝚄𝚈𝙴𝚁'𝚂 𝙰𝙶𝙴𝙽𝚃:
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• An adviser and advocate during the entire home buying process
• Educates you on current market conditions
• Uncovers your needs and wants, as well as motivations to purchase a home
• Provides guidance with getting pre-approved and recommends mortgage lenders
• Gathers, presents, and shows you listings that meet your criteria
• Negotiates contingencies, the closing timeline, and the final selling price.
• FREE to you! Buyer's agents are paid by the sellers

𝚂𝙴𝙻𝙻𝙴𝚁'𝚂 𝙰𝙶𝙴𝙽𝚃:
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• Also known as a Listing Agent
• Evaluates your property and suggest a listing price based on comparable homes that have sold recently, as well as market trends
• Presents your home in the marketplace through various mediums such as the MLS, on social media and internet search engines, print, and mailers, and to other agents 
• Makes suggestions to improve and/or enhance your home’s features allowing it to look its best (including staging, photography, etc.)
• Stays in regular communication and always acts in your best interest
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Whether you are thinking of buying or selling – I can help! 
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#buyersagent #sellersagent #realestatetips #homebuyingtips #homesellingtips In today's market, hiring the right agent is the single most important thing you can do, regardless of whether you are buying or selling. An experienced agent can help guide you throughout the process, alleviating any stress that can go hand in hand with buying or selling your most expensive asset. ⁣ Here's how an age… With the relatively low inventory of homes for sale these days, a move-in ready home can be hard to find, especially if you’re on a budget, which is why a fixer upper may be appealing if you are looking to get into a particular neighborhood or hot area. But before you start bargain hunting, you need to know what you're in for — renovations aren't as easy as they may look on TV. 

What will it cost to purchase, how much will it cost to improve, and what will be the future return? With the right agent by your side, buying a fixer upper can be a great investment, but it's important that you are prepared and know what to expect. 

➊ Think about true costs and the need (if any) to budget for big-ticket items before any minor cosmetic updates or changes — roof, mechanicals (HVAC, water heater), electrical or plumbing updates, and large kitchen, and bath upgrades. Always budget 10% more for unforeseen costs/repairs that may arise. 

➋ Talk with your lender to choose the best mortgage product to help fund the renovations. Many lenders offer "renovation loans" where you can fund the home updates without having to have bulk cash set aside. With a renovation loan, you can pay off improvements over a longer period of time and at a lower interest rate than other types of financing or personal loans.

➌ Get a home inspection! It might sound obvious, but many homebuyers are waiving home inspections thinking that they could never get one. You can get a home inspection AFTER you purchase, or you can consider a "walk and talk" inspection during a showing. If you didn't get a full set of professional eyes on the property (contractor, engineer, electrician, plumber) then it would be a smart decision to get one for accurate budgeting and projections. 

Move-in ready or a fixer-upper, I’m ready to hear what you’re looking for! 
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#homebuyingtips #fixerupper #newconstruction #realtortips #realestatetips With the relatively low inventory of homes for sale these days, a move-in ready home can be hard to find, especially if you’re on a budget, which is why a fixer upper may be appealing if you are looking to get into a particular neighborhood or hot area. But before you start bargain hunting, you need to know what you're… ᴍᴏᴛɪᴠᴀᴛɪᴏɴᴀʟ ᴍᴏɴᴅᴀʏ ✨ 

Life is all about how we choose to look at things — a closed-door might lead to your next big (perhaps unexpected) opportunity. "Things" usually happen for a reason — and we have a choice in how we can experience our life and move forward with gratitude. 

Too often we depend upon the validation or direction of another, that we lose sight of our own "True North." It's up to us in order to get closer to our destination. Sometimes we take a detour, but we can always get back on track. This is your reminder that you should open the door a little sooner and follow the desire... allow the closure and welcome the possibilities. ᴍᴏᴛɪᴠᴀᴛɪᴏɴᴀʟ ᴍᴏɴᴅᴀʏ ✨ Life is all about how we choose to look at things — a closed-door might lead to your next big (perhaps unexpected) opportunity. "Things" usually happen for a reason — and we have a choice in how we can experience our life and move forward with gratitude. Too often we depend upon the validation… 𝙵𝚊𝚝𝚑𝚎𝚛𝚜: 𝚂𝚝𝚘𝚛𝚢𝚝𝚎𝚕𝚕𝚎𝚛𝚜, 𝚊𝚍𝚟𝚎𝚗𝚝𝚞𝚛𝚎𝚛𝚜, 𝚑𝚊𝚗𝚍-𝚑𝚘𝚕𝚍𝚎𝚛𝚜, 𝚊𝚗𝚍 𝚝𝚎𝚊𝚌𝚑𝚎𝚛𝚜.

Happy Father's Day to all the dads who go above and beyond — enjoy your special day, and the first day of summer! 𝙵𝚊𝚝𝚑𝚎𝚛𝚜: 𝚂𝚝𝚘𝚛𝚢𝚝𝚎𝚕𝚕𝚎𝚛𝚜, 𝚊𝚍𝚟𝚎𝚗𝚝𝚞𝚛𝚎𝚛𝚜, 𝚑𝚊𝚗𝚍-𝚑𝚘𝚕𝚍𝚎𝚛𝚜, 𝚊𝚗𝚍 𝚝𝚎𝚊𝚌𝚑𝚎𝚛𝚜. Happy Father's Day to all the dads who go above and beyond — enjoy your special day, and the first day of summer! The market we are experiencing right now requires three major things: 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲, 𝗰𝗿𝗲𝗮𝘁𝗶𝘃𝗶𝘁𝘆, 𝗮𝗻𝗱 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗶𝗼𝗻 — you definitely need (and deserve) an agent who knows exactly what it takes to land the home of your dreams and to set yourself apart from the competition. A solid network, communication, and reputation matter! 

Gone are the days when a deal was "easy" and it was just about a price and settlement date. This market is challenging, and it's important to have a wide range of education and access to tools and resources, strategies, and tactics... that's how you'll really be able to WIN in today's market. 

If you'd like to learn how my buyers are securing homes and beating out 20+ offers (without overpaying), then send me a message. We can see if we are a good fit for each other and talk about ways to make it a reality for you this year or get you prepared for next. Ask me to send you a copy (always free) of my Homebuyer Guide!
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#realestatelife #realtortips #2022housingmarket #housingmarkettips #relatorhelp #homebuyer The market we are experiencing right now requires three major things: 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲, 𝗰𝗿𝗲𝗮𝘁𝗶𝘃𝗶𝘁𝘆, 𝗮𝗻𝗱 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗶𝗼𝗻 — you definitely need (and deserve) an agent who knows exactly what it takes to land the home of your dreams and to set yourself apart from the competition. A solid network, communication, and reputation matter!…
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neuhaus_realty_atx ✔️ ʀᴇᴍɪɴᴅᴇʀ: your monthly homeowner to-do list! ▹ Increase Lighting Efficiency — when was the last time you thought about replacing your light bulbs? LED can use at least 75% less energy and last up to 25 times longer than incandescent lighting! ▹ Improve Home Security — consider installing a Ring camera or look into the Blink system. Most of the time you think of a Ring Doorbell Camera, but there are other options! ▹ Clean Sink + Shower Drains — prevent fruit flies and mysterious odors ... especially if you have a garbage disposal. ▹ Test and Replace Detectors — just bought a house? Replace the detectors! You might not know when they were last replaced (or if they even work). You'll want to replace these every ten years. ▹ Replace Water Filters — don't just reset the light ... actually take the time to invest in your health for good water quality! ▹ Disinfect Trash & Recycling Cans — sometimes we avoid doing what should be done routinely because it's "gross", but did you know there are companies who can disinfect and deodorize your cans for you? ▹ Clean / Replace Dishwasher Screens — have you ever thought about it? Some models don't have a screen, so be sure to check the owner's manual or research it online. You might want to consider the same with your clothes washer. Save this post for later and pick 1 or 2 off the list every weekend! What are you tackling first?
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neuhaus_realty_atx Ready to take the next steps towards buying a home? It's a 𝗴𝗼𝗼𝗱 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗰𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗵𝗮𝗯𝗶𝘁𝘀. With inflation at an all-time high, the cost of (most) everything has gone up, so it's even more important now to get a grasp on what your true unnecessary expenses are. No, we aren't telling you to cancel your Amazon, Netflix, or Peloton Membership because they increased, however, you may want to consider a few changes! 𝚆𝚑𝚎𝚗 𝚠𝚊𝚜 𝚝𝚑𝚎 𝚕𝚊𝚜𝚝 𝚝𝚒𝚖𝚎 (𝚒𝚏 𝚎𝚟𝚎𝚛) 𝚢𝚘𝚞 𝚛𝚎𝚊𝚕𝚕𝚢 𝚝𝚑𝚘𝚞𝚐𝚑𝚝 𝚊𝚋𝚘𝚞𝚝 𝚝𝚑𝚎𝚜𝚎 𝚎𝚡𝚙𝚎𝚗𝚜𝚎𝚜? • Cell Phone / Internet / Home Phone Bill (compare carriers, negotiate costs, change plans) • Daily Coffee / Tea / Shake / Smoothie (make it at home and prepare in advance) • Grocery (meal prep, buy protein in bulk, take advantage of smart savings and deals) • Home / Auto Insurance (compare carriers and coverage) • Dining Out / Restaurants (consider a BYOB, limit yourself on frequency and choices) • Credit Cards (compare interest rates, consider the utilization ratio, consolidate & balance transfer — pay them down & review your statements) Buying a home is a big investment and you want to be comfortable in your decision. It's important to allow yourself the ability to purchase a certain home at a certain price, while also feeling comfortable making it your own, without feeling like it's a financial burden or as if you are overextended. Let's talk through how we can set up a personal savings plan and be strategic with payments. #budgettips #homebudgeting #homebuying #homebuyingtips #realtortips #firsttimehomebuyer
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neuhaus_realty_atx Buying a home since 2020 has been quite a dynamic challenge, and we've seen a lot of creativity come from the changing market. Lately, with the rising interest rates, homebuyers have had to look into more creative lending solutions. As a result, we have seen Adjustable Rate Mortgages coming back into the market. An 𝙰𝚍𝚓𝚞𝚜𝚝𝚊𝚋𝚕𝚎 𝚁𝚊𝚝𝚎 𝙼𝚘𝚛𝚝𝚐𝚊𝚐𝚎𝚜 (𝙰𝚁𝙼) is a great way to lower your monthly payment through a lower interest rate. These are traditionally shorter-term loans that begin at a lower rate and increase after a specific term (think fixed-rate for the first 5, 7, or 10 years, and then it can fluctuate every year after that, to an extent). If you plan on living in the home for a shorter period or plan to make improvements and refinance, it might make sense for you to explore an ARM. For example, a 10-year ARM has a fixed rate for the first 10 years and increases by a certain amount thereafter, up to a certain percentage increase/cap. Compare a 10-year ARM at 10% down with a 30-year fixed-rate mortgage at 20% down — you may get a similar payment, with less cash needed at settlement. 𝗞𝗲𝗲𝗽 𝗶𝗻 𝗺𝗶𝗻𝗱 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝘄𝗶𝗹𝗹 𝗮𝗹𝘄𝗮𝘆𝘀 𝗱𝗲𝘁𝗲𝗿𝗺𝗶𝗻𝗲 𝘆𝗼𝘂𝗿 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲. Let's talk specifics about your goals and see what makes the most sense for your lifestyle. I'd love to run through different scenarios and loan estimates so that you have a true understanding of what options you actually have. . . . #homeloan #mortgage #mortgageoptions #realtortips #realestatemustknow #homebuying #homebuyingprocess
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neuhaus_realty_atx Wondering if we’re in a housing bubble? If so, you’re not alone. This market may feel a lot like the market in 2008, but don’t worry, there are some major differences. Here are a few reasons economists argue that we are NOT in a housing bubble like we were in '08: ✔️ Lending standards have significantly changed! Subprime lending and no-documentation loans were a huge concern and cause during the crash, leading to many government bail-outs and defaults of mortgages. Appraisal Management Groups have been set in place for more of a firewall between appraisers and lenders to avoid interference/influence on values. Basically, it's much harder to get a loan today than it was in 2008. ✔️ Real Estate is local. When the market crashed previously, it was due to lending across the entire nation, which triggered the stock market, among other things. What we are experiencing now is staggeringly low inventory in certain hot spots, causing prices and values to rise even with increasing interest rates. The main factors in the current housing market are low supply and strong demand, not subprime mortgages and sloppy lending. Yes, home prices are appreciating, and inflation is rising, but the market is strong with no hint of slowing down. If you’re curious about buying or selling in our current market, let's chat. I would love to answer any questions you may have! . . . #realestateagent #realestatetips #realestate #househunting #homebuyingtips #firsttimehomebuyer #realtorlife #�housingmarket
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neuhaus_realty_atx ᴍᴏᴛɪᴠᴀᴛɪᴏɴᴀʟ ᴍᴏɴᴅᴀʏ ✨ 𝙰𝚝𝚝𝚒𝚝𝚞𝚍𝚎 + 𝙴𝚏𝚏𝚘𝚛𝚝 = 𝙴𝚡𝚙𝚎𝚛𝚒𝚎𝚗𝚌𝚎 If you want a good experience OUT of life, then you need to take a look at the quality of what you're putting IN to life — how are you approaching the moments in your day? Are you being fully present, bringing joy into what you do, and taking advantage of opportunities? Things won't always go our way, but we can certainly control how we respond and react to the "uncontrollable." It's not healthy to dwell on the negative of a situation or a person. Why not channel that same energy into something more productive and inspiring?
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neuhaus_realty_atx Interior design can be overwhelming — especially if you don’t have a knack for it. How do you make your space look its best while reflecting your personal sense of style? To help, here are a few home styling tips from top designers, so you don't have to figure it out all on your own. ‣ 𝚃𝚑𝚎 𝙿𝚘𝚠𝚎𝚛 𝚘𝚏 𝟹 Here's a little secret from top designers: The rule of three — a design principle used in every room: from a triangular layout, groupings of objects in size and shape, and the flow of a room. It's a way in which you can lead the viewer through an experience — odd numbers are appealing. Our eyes move around more and it creates energy. Think about groupings of candles, vases, pillows, artwork, and plants. ‣ 𝙲𝚛𝚎𝚊𝚝𝚎 𝙷𝚎𝚒𝚐𝚑𝚝 & 𝙳𝚒𝚖𝚎𝚗𝚜𝚒𝚘𝚗 Instantly make a room feel more open by mounting curtains higher above the window to create the feeling of more space. Tip: do not allow the curtain to drag on the floor as it may defeat the purpose, and give off a heavy feeling. ‣ 𝙱𝚘𝚞𝚗𝚌𝚎 𝙻𝚒𝚐𝚑𝚝 Position mirrors across from windows to reflect the natural light and give the illusion of another window to carry it throughout the space. ‣ 𝙻𝚊𝚢𝚎𝚛𝚎𝚍 𝙻𝚒𝚐𝚑𝚝𝚒𝚗𝚐 No room is complete without a light fixture. In fact, according to many designers, no room is complete without at least three light fixtures. This set-up should give you plenty of ambiance options, and you can make it even more flexible by adding dimmers to your lights in order to create a specific mood/vibe. ‣ 𝙿𝚞𝚝 𝚊 𝙵𝚘𝚌𝚊𝚕 𝙿𝚘𝚒𝚗𝚝 𝚒𝚗 𝙴𝚟𝚎𝚛𝚢 𝚁𝚘𝚘𝚖 Statement-making pieces can take a home from simple to striking, but snag too many, and you may overwhelm your space. One rule of thumb to follow? Put a single showstopper in every room: a dramatic light fixture, a captivating piece of art, a large piece of furniture, or a towering houseplant. Have fun with it and lead the viewer to experience a certain space. #interiordesign #homedesign #homestaging #homestagingtips #interiordesign2022 #homestyling
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neuhaus_realty_atx When making an investment, whether in real estate or the stock market, it's important to remember the cyclic nature — there may be dips, and there will be recoveries and gains. Just like the stock market, the real estate market is a long-term investment. If we take a look at 2008 when there was subprime lending and no-documentation loans for lower credit score borrowers, home prices fell 33% ... and have since gained well over 50% in just 10 years (think about the double-digit appreciation over the past 2 years alone). 𝗧𝗵𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗯𝗲𝗰𝗼𝗺𝗲𝘀: 𝘄𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 / 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗽𝗹𝗮𝗻? There is no question that inventory is down compared to the number of buyers in the market, along with the fact that builders have been struggling with supply due to increased costs and labor shortages. Therefore, this means it continues to be a favorable market for sellers, even with the rise in interest rates. If you're considering selling this year, don't let the increasing interest rates deter you — it may have weeded out some buyers from the market, but overall there is still pent up demand for homes, and housing prices aren’t showing any signs of leveling off in the near future. Let's get together for a coffee or tea to talk about projections and your real estate goals – it's kind of my passion and would love to hear your real estate plans for 2022 and 2023, and discuss how I may be able to help! . . . #interestrates #housingmarkettips #realtortips #realestateagenttips #realestate #2022housingmarket #realestateinvesting #realestatehottips
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neuhaus_realty_atx In today's market, hiring the right agent is the single most important thing you can do, regardless of whether you are buying or selling. An experienced agent can help guide you throughout the process, alleviating any stress that can go hand in hand with buying or selling your most expensive asset. ⁣ Here's how an agent makes the process easy, enjoyable, and as simple as possible. ⁣ ⁣ 𝙱𝚄𝚈𝙴𝚁'𝚂 𝙰𝙶𝙴𝙽𝚃: ⁣ • An adviser and advocate during the entire home buying process • Educates you on current market conditions • Uncovers your needs and wants, as well as motivations to purchase a home • Provides guidance with getting pre-approved and recommends mortgage lenders • Gathers, presents, and shows you listings that meet your criteria • Negotiates contingencies, the closing timeline, and the final selling price. • FREE to you! Buyer's agents are paid by the sellers 𝚂𝙴𝙻𝙻𝙴𝚁'𝚂 𝙰𝙶𝙴𝙽𝚃: ⁣ • Also known as a Listing Agent • Evaluates your property and suggest a listing price based on comparable homes that have sold recently, as well as market trends • Presents your home in the marketplace through various mediums such as the MLS, on social media and internet search engines, print, and mailers, and to other agents • Makes suggestions to improve and/or enhance your home’s features allowing it to look its best (including staging, photography, etc.) • Stays in regular communication and always acts in your best interest ⁣ Whether you are thinking of buying or selling – I can help! . . . #buyersagent #sellersagent #realestatetips #homebuyingtips #homesellingtips
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neuhaus_realty_atx With the relatively low inventory of homes for sale these days, a move-in ready home can be hard to find, especially if you’re on a budget, which is why a fixer upper may be appealing if you are looking to get into a particular neighborhood or hot area. But before you start bargain hunting, you need to know what you're in for — renovations aren't as easy as they may look on TV. What will it cost to purchase, how much will it cost to improve, and what will be the future return? With the right agent by your side, buying a fixer upper can be a great investment, but it's important that you are prepared and know what to expect. ➊ Think about true costs and the need (if any) to budget for big-ticket items before any minor cosmetic updates or changes — roof, mechanicals (HVAC, water heater), electrical or plumbing updates, and large kitchen, and bath upgrades. Always budget 10% more for unforeseen costs/repairs that may arise. ➋ Talk with your lender to choose the best mortgage product to help fund the renovations. Many lenders offer "renovation loans" where you can fund the home updates without having to have bulk cash set aside. With a renovation loan, you can pay off improvements over a longer period of time and at a lower interest rate than other types of financing or personal loans. ➌ Get a home inspection! It might sound obvious, but many homebuyers are waiving home inspections thinking that they could never get one. You can get a home inspection AFTER you purchase, or you can consider a "walk and talk" inspection during a showing. If you didn't get a full set of professional eyes on the property (contractor, engineer, electrician, plumber) then it would be a smart decision to get one for accurate budgeting and projections. Move-in ready or a fixer-upper, I’m ready to hear what you’re looking for! . . . #homebuyingtips #fixerupper #newconstruction #realtortips #realestatetips
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neuhaus_realty_atx ᴍᴏᴛɪᴠᴀᴛɪᴏɴᴀʟ ᴍᴏɴᴅᴀʏ ✨ Life is all about how we choose to look at things — a closed-door might lead to your next big (perhaps unexpected) opportunity. "Things" usually happen for a reason — and we have a choice in how we can experience our life and move forward with gratitude. Too often we depend upon the validation or direction of another, that we lose sight of our own "True North." It's up to us in order to get closer to our destination. Sometimes we take a detour, but we can always get back on track. This is your reminder that you should open the door a little sooner and follow the desire... allow the closure and welcome the possibilities.
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neuhaus_realty_atx 𝙵𝚊𝚝𝚑𝚎𝚛𝚜: 𝚂𝚝𝚘𝚛𝚢𝚝𝚎𝚕𝚕𝚎𝚛𝚜, 𝚊𝚍𝚟𝚎𝚗𝚝𝚞𝚛𝚎𝚛𝚜, 𝚑𝚊𝚗𝚍-𝚑𝚘𝚕𝚍𝚎𝚛𝚜, 𝚊𝚗𝚍 𝚝𝚎𝚊𝚌𝚑𝚎𝚛𝚜. Happy Father's Day to all the dads who go above and beyond — enjoy your special day, and the first day of summer!
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neuhaus_realty_atx The market we are experiencing right now requires three major things: 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲, 𝗰𝗿𝗲𝗮𝘁𝗶𝘃𝗶𝘁𝘆, 𝗮𝗻𝗱 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗶𝗼𝗻 — you definitely need (and deserve) an agent who knows exactly what it takes to land the home of your dreams and to set yourself apart from the competition. A solid network, communication, and reputation matter! Gone are the days when a deal was "easy" and it was just about a price and settlement date. This market is challenging, and it's important to have a wide range of education and access to tools and resources, strategies, and tactics... that's how you'll really be able to WIN in today's market. If you'd like to learn how my buyers are securing homes and beating out 20+ offers (without overpaying), then send me a message. We can see if we are a good fit for each other and talk about ways to make it a reality for you this year or get you prepared for next. Ask me to send you a copy (always free) of my Homebuyer Guide! . . #realestatelife #realtortips #2022housingmarket #housingmarkettips #relatorhelp #homebuyer