Articles Tagged "For Buyers"

Congratulations on finding your dream house among Beavercreek homes for sale. We're glad you got a loan, and everything is working out so you can buy your home. No doubt your real estate agent has talked to you about all the costs attendant to the loan you're getting for the house, including the down payment and now closing costs. Perhaps you have a general idea about what closing costs are. But how about going into these costs a little deeper so you'll know what to expect.

Here's what our REALTORS® have to say about closing costs.

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It's fun to dream about the kind of home you want to buy someday. Who doesn't like trawling through the real estate listings, making notes about those that match your idea of the ideal home, and wondering, could we afford this? That's fine as long as you're just entertaining yourself, but once you're serious about home ownership, this is not the first step to take. If you're really ready to take the plunge, put the shopping among Beavercreek homes for sale on hold and head over to your mortgage lender.

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Considering making one of these Beavercreek homes for sale your forever home? We'll help make your decision a lot easier. Our REALTORS® are experts at finding a home that's the perfect fit for you and your family, but when it comes to Beavercreek, the city speaks for itself! With so much to do and see, we hardly have to explain what makes this area such a great place to live in. Here are some of the top reasons you should plan a move to Beavercreek.

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A fast and easy path to closing is the dream scenario for buyers and sellers alike. Our REALTORS® can help you avoid oversights that lead to delays when you're looking at Beavercreek homes for sale. Sometimes, though, transaction delays can occur through no fault of your own. A lot happens behind the scenes during the buying process, and wires can get crossed even when you do everything right.

When the unexpected strikes, there are often steps you can take to get things back on track. Other times, you may need to roll with the punches and assess how your plans are affected by an ambiguous situation. Whatever the case, your real estate agent is your strongest ally. Your agent's job is to be there for you every step of the way and advocate for your interests, so you can get the best deal on the home you want.

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"Keep Manhattan, just give me that countryside." So sang Oliver Douglas, a big-city lawyer who gave it up for the joys of rural living in Green Acres. If you're considering a similar move, our REALTORS® offer a helpful five-point checklist to determine which is the right lifestyle for you.

1. Do You Prefer the Sounds of Silence?
   Cities have a perpetual soundtrack composed of elements such as traffic noise, construction, and chatter. Some people derive a sense of energy from the noise, which is a by-product of the city's constant activities. For others, the layered sounds serve as white noise, providing soothing reassurance of day-to-day life. If you find high levels of noise create stress that prevents you from fully relaxing, even during leisure time, the quiet ambience of rural areas may be more to your liking.

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Help reduce the stress of moving by planning each step. Whether you are a first-time homeowner or buying one of the larger Beavercreek homes for sale to accommodate your expanding family, moving is a large task. With your move-in day marked on your calendar, start taking steps to make the process easier for you and your family.

Start Your 30 Day Count Down

When you get a notice from our REALTORS® on your exact move-in day, begin the organization process of your current living space. At this point, you must make the decision if you're going to do the move yourself, rent a moving truck, or hire movers. Regardless of your choice, you need to begin to prepare for your move.

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A new home is filled with potential. There's potential for a bright and financially rewarding future, but there's also potential to find yourself stuck in a money pit. When you are househunting in Beavercreek, there are five red flags that our REALTORS® tell prospective homebuyers to keep their eyes open for when looking for a home.

1. A Glut of "For Sale" Signs in the Neighborhood
   If you see numerous homes for sale in the same neighborhood, it's often a sign that there are problems brewing. A new landfill could be under construction. Or, there could be any number of reasons that everyone is eager to move out of the neighborhood. A few homes for sale is a sign of a healthy community; too many homes is a sign that a community is dying, and it's best to stay away.

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Pools are a great way to keep kids entertained during the summer, and hot weather has already made an initial appearance in the area. You may be tempted to either have a pool installed, or to purchase a home with a pool. While our REALTORS® know a pool can provide hours of fun for the whole family, it's not a decision you want to dive into without considering all the costs, responsibilities, and liabilities that a pool creates.

• The first consideration is cost.
  If you plan to install a pool, you can expect to spend an average of $35,000 for a decent pool. That's a lot of tickets to the local pool, and if you plan on paying with cash, it means less money for other things. If you plan on financing the cost through a HELOC or other loan product, your overall cost could be as high as twice the installation cost.

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After closing day on Beavercreek homes for sale, new homeowners have lots of choices to make. Whether to get a home warranty is probably low on the list – but it's one of the first things you'll have to think about.

Our REALTORS® have heard from many satisfied customers that before the month was over, they ended up with half a dozen home warranty offers. Yes, the right one can save you money, but it's vital to make an informed decision.

So, in honor of Home Warranty Day on February 10, we're here to answer all your questions.

What is a Home Warranty, Anyway?

If you've never heard of a home warranty, you're not alone. Although they're easily confused with homeowners insurance, they're not the same thing.

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Your realtor is more than a simple salesperson. Real estate agents can act as your concierge across the entire home selling and buying processes. Don't cause unneeded stress by trying to navigate all the small details of buying or selling a home alone. Instead, let our REALTORS® help guide you through the complex and rewarding home purchase or sale process.

Discover how your real estate agent can come to the rescue.

• Selling - Staging Experts
  When selling a home, you want an open palette, not an empty one. When competing against other Beavercreek homes for sale, you don't want to bunch of empty rooms in your pictures. For example, it's not easy to tell two bedrooms apart without beds or decor. Your agent can help you with smart and strategic staging advice, showing you not just where to arrange items but also where to source needed additions at a great value. 

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If you're getting ready to become a homeowner, you've probably already discovered that there are a lot of important steps along the way. Getting pre-approval for a home loan is one of the most important steps, and if you're thinking about buying a home in 2020, our REALTORS® are here to help. 

One of the most common questions we get asked is, "When should I get pre-approved?" There are a few factors to consider when answering that question, but one thing is for sure: Before you start looking at Beavercreek homes for sale, it's important to have a pre-approval letter in hand. 

What is Pre-Approval?

Pre-approval is an important step before buying a home because it essentially proves that you have the financial means to do so. When you obtain pre-approval it says to homebuyers that you're ready and able to buy. It also lets you know just how much home you can afford, which makes it easier to find the right house for you.

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For many Americans, saving 20% for a down payment on a home, much less a down payment at all, can be a struggle. Fortunately, as an active or former member of the United States military, you have certain privileges when it comes to getting a home loan. The U.S. Department of Veterans Affairs sponsors one of the most coveted mortgage products for military members in the form of the VA loan.  

Our REALTORS® have worked with countless active military members, veterans, and their families to help find solutions for them to realize the dream of homeownership.  Here's everything you need to know about VA loans.

• No Down Payment
  Probably one of the most attractive attributes of VA loans is the fact that no down payment is required. Most conventional loans require a 5% down payment with 20% needed to avoid private mortgage insurance (PMI). Most Americans have a hard enough time cobbling together 5% down, and many won't reach the 20% threshold until they've paid as much in equity. Fortunately for veterans, there is no down payment required for a VA loan, meaning you can finance 100% of the purchase price of your home.

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Buying a new home when you own another one with a mortgage can be a complicated situation. Most lenders won't qualify you for a new loan until you have sold your current home. Unless you're comfortable with moving into a temporary living situation, you'll need a bridge loan. Our REALTORS® are happy to explain what bridge loans are, how they work, and why they're an attractive option for homeowners who are in fixed situations.

What is a Bridge Loan?

It's all in the name. A bridge loan is a type of financing that is meant to bridge the gap between closing on a new home and selling an existing home. Also called "gap financing" or a "wrap," bridge loans enable individuals to address current needs before securing a mortgage or long-term loan. Bridge loans are usually short-term and can be arranged with little documentation. If you urgently need to buy a new home but are still saddled with your current one, you can facilitate the purchase with a bridge loan. In this case, your existing property becomes the collateral for the loan.

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Buying a house is a major investment, and as a homebuyer, it's important to do everything you can to protect the investment you make in your property. Homeowners insurance is one of the biggest keys to protecting your investment, and most lenders require you to purchase insurance if you have a mortgage. Even without a mortgage, insurance is important for every homeowner. Our REALTORS® are here to help you protect your home, with our guide to making sense of homeowners insurance.

Home Insurance 101

• Why Mortgage Lenders Require Homeowners Insurance
  Whether you're shopping for Beavercreek homes for sale or homes in another location, your mortgage lender is likely to require you to purchase homeowners insurance. Lenders require insurance because it protects their investment in your home. If something goes wrong with the property, the lender wants to know any costs will be covered. With the right insurance policy, you'll be able to cover repairs of the most common issues that can damage your home. In addition to covering damage to the home itself, many home insurance policies provide coverage to repair or replace personal belongings in the home.

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Your credit score is the magic key that opens the door to the best interest rates and loan options. It's a number you'll want to raise as high as possible before you start looking at Beavercreek homes for sale. It takes time to raise your score into the right range and the following five steps you can move your score going in the right direction.

1. Dispute Errors
   Errors are exceedingly common on credit reports. Approximately 25% of credit reports in America contain errors including missed payments, incorrect addresses, open accounts that are in reality closed, and debts that are incorrectly recorded. You should always dispute errors and ensure that any incorrect information is removed from your report. The prevalence of errors on credit reports highlights the importance of keeping your financial records organized. You will need these records to dispute any errors you discover. Once your dispute is submitted, it can take around 30 days for an error to be removed from your credit report and slightly longer for it to improve your credit score.

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All the excitement of buying the perfect home after a long and hectic search can be one of the best feelings in the world. In the excitement of the final steps, however, things can be forgotten. We make a point of reminding those about to close on a Beavercreek home for sale to make sure and schedule a final walkthrough about a week before the closing.

This final step helps to ensure that the house you're getting is exactly as promised. This includes making sure agreed-upon items are left behind, such as appliances, and checking that all required repairs have been made. You'll also have a final chance to check for things like infestations and water damage, which may not have been apparent if the previous owners were still living in the house when you toured it. Seven things you will want to examine are:

1. Exterior. Make sure all the gutters are in good condition, and there isn't any damage from bad weather since originally inspected. Look for missing flowers, trees, and shrubs. Some people actually take these things with them.

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After viewing many great Beavercreek homes for sale, you've finally found the one that is perfect for your family. Now that you're ready to make an offer, our REALTORS® want to help make this process as easy and successful as possible for you. Buying a home is a huge milestone, and while we share in your excitement, we also want our buyers to be prepared for potential hurdles that may slow the process — particularly an obstacle that many home buyers refer to as a "bidding war."

Contrary to the phrase, competition between buyers is actually a civil event that often occurs when a property's features, location, and price appeals to a large number of potential buyers. Thankfully, our agents have successfully represented many homeowners during the springtime when buyer competition is often higher. We've gathered five effective strategies that you can use when bidding on a home in Beavercreek this spring.

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If you've ever moved, you know how stressful it can be. Now imagine how it must feel if you're an animal—scared, confused, and not knowing where you're going. 

Our REALTORS® want to make sure that your move is as easy as can be for you and your four-legged friends. That means planning ahead to ensure that your beloved animal stays calm and happy throughout the moving process. Here's what you need to know about moving with pets to your new Beavercreek homes. 

• Your Mood Matters
  Animals are incredibly intuitive and empathetic. They can pick up on your body language and emotional cues just as readily as humans do—maybe even more so. That means when you get stressed, they get stressed too. 
  
  When you're getting ready to move, it's important to maintain an anxiety-free environment as much as possible. Stay relaxed, keep up regular daily routines, and try to give your pets the same amount of attention they're used to getting. This will reassure them that everything is going to be okay. 
  
  

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It's the most wonderful time of the year, and Christmas is just around the corner. Hopefully, you've started your shopping lists and have gathered a few ideas of what your friends and family want this year.

Have any of your loved ones recently moved into one of our Beavercreek homes? Our REALTORS® have created this list of eight holiday gifts for first-time home buyers.

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Our REALTORS® love showing off amazing Beavercreek homes for sale any time of year.

However, if you come from a place where winter snow is a novelty – or a myth – then you might find yourself concerned about Ohio snowstorms that visit us from time to time.

Remember: Every year, millions of people weather the storm without any injuries or property damage. That said, it's a good idea to go into the situation prepared and know what to expect. After you get through a snowstorm or two, you'll be an old hand at the process.

To keep your family and your home safe, remember these valuable tips:

1. Start With a Winter Emergency Kit
The most intimidating possibility in winter is finding that you can't get out to get the supplies you need. Roads may become impassable due to snow or for other reasons. With that in mind, get a kit together to meet all of your needs.

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So, you're in the market to buy one of our Beavercreek homes for sale. Buying a house can be an exciting time—especially if you've found your dream home. However, before you start making plans for arranging furniture and hosting the holidays, there are things like budgets we need to discuss. 

At Wright-Patt Realty, Inc., our REALTORS® in Beavercreek are always excited to help a buyer purchase a new home. We are here to help you budget for the costs of buying a house with these tips.

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When you're touring Beavercreek homes for sale, you'll quickly see our city has plenty to love. Our REALTORS® have considerable experience in helping our clients find the right house in Greene County. After you do, closing day is just around the corner.  

Closing day is an exciting time because it makes you one step closer to owning your home. However, it's also an easy time to get lost in all of the details of finalizing your purchase.

When you partner with our team of real estate professionals to buy your home, we help you through the closing process. To get you started, here is our list of six must-dos before closing on your new home.

1. Make Plans for Contract Work
   Unless you've managed to get your hands on a house in pristine condition, there are good odds that you'll be planning on hiring some help to get your new home ready for moving day. Be sure to get estimates and have your painters, flooring company, and other general contractors ready to go by closing day. This will help you get more of the work completed before you move in.
   
   

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Situated just one mile from the Greene Town Center complex, the Cottages of Beavercreek is an affordable, appealing neighborhood with a very convenient location. Within the community, you'll find a selection of homes with spacious, open floor plans, and prices appealing to a wide range of home buyers. This no-maintenance neighborhood is an ideal place to settle down, whether you're a first-time home buyer, a long-time Beavercreek resident looking for a new home, or someone searching for a family-friendly neighborhood close to area attractions. Our REALTORS® have all of the details on what to expect when you buy a home in the Cottages of Beavercreek neighborhood.

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The Fraze Pavilion at Lincoln Park in Kettering has been a popular outdoor entertainment destination for more than 25 years and remains one of the best places in Ohio to catch a concert. Since it opened its doors in 1991, Fraze Pavilion has attracted some of the biggest names in music to our corner of Ohio and been a place where emerging artists can introduce themselves to the community. Every summer at Fraze Pavilion features the "Summer's Best Music Under the Stars" concert series, which draws visitors from near and far for a busy schedule of great concerts. Our REALTORS® know Kettering, and we've got the inside scoop on everything you can expect at the Fraze Pavilion. 

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As a parent, it's only natural that your children factor into the little decisions that you make every day, as well as the big, life-changing decisions that only come around so often. Buying a house certainly qualifies as a big decision, because you'll be shopping for the right home for you and your children. Shopping with kids comes with its share of unique challenges, but it's also a rewarding experience when you identify a home that every member of the family can love. Our REALTORS® are here to help your entire family through the home buying process. 

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Figuring out how much you can afford for Beavercreek homes is the essential first step for house shopping. While you may have some ideas about what your perfect home would include, most people don't have unlimited budgets. Knowing what you can get for your money is essential to a successful house-buying experience. 

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We know how hard it is to find your dream home. And we know that there's nothing worse than finding it only to have your offer rejected by the seller. That's why our REALTORS® are dedicated to helping you make the best possible offer.

Making an offer on a house is a bit like walking a tightrope. Too low, and the seller is almost sure to reject it. Too high, and you'll end up paying more for your new home than you should. Use these tips to make an offer that the seller can't possibly refuse. 

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Buying a house is a big decision, and as an active-duty service member or veteran there are always extra variables to consider when making a real estate purchase. Timing is essential when you're searching for a home, and there's always a chance that you'll be moving again in a few years if you receive new orders. There are also some excellent benefits available to military home buyers if you know where to find them and how to take advantage of them. Our veteran-friendly real estate agents are here to help, with a guide to five mistakes to avoid as a service member shopping for a home.

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VA loans are powerful tools for service members to purchase homes and offer a number of significant advantages. There is no required down payment for a VA loan, favorable interest rates are available, and credit requirements are more relaxed than with traditional loans. You can take advantage of the VA loan program while you are active-duty or after you have completed your service. Yet, VA loans also have some unique, complex rules, so it's important to understand how the process works. Our REALTORS® are here to help, with four tips for buying a home with a VA loan.

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Purchasing a home is one of the biggest financial decisions that any of us make, and finding the right real estate agent is one of the best ways to make life easier when buying a house. This is especially true for military personnel (both active duty and retired) who often have unique needs when purchasing a home.  From understanding the ins and outs of VA loans to helping you identify the right home in the short time frame you have to shop, our REALTORS® understand the needs of military home buyers.  We've put together five key reasons why finding a military-friendly real estate agent is a must.  

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If you're thinking about buying your first house, you've probably heard a lot about how tough it can be to get a mortgage.

The truth is, a mortgage is within reach for most first-time buyers who have steady employment, no bankruptcies, and a reasonable debt load.

But ... even under the best circumstances, the process involves a lot of documentation. Proof of income is one of the most important parts of that equation. It's common to be asked for two years of pay stubs as part of your mortgage application.

If you just changed jobs or have an unconventional work history, it can be harder to dredge that information up. Luckily, it's usually not impossible – it just takes a few extra steps. 

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