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A Little Before Action

It’s flippin’ happening! Get it?! Ha! Demo is in full swing and no time is being wasted on my watch! I closed on a Tuesday and from there I’ve been rocking and rolling. Over the next week, up until last Sunday, I did walkthroughs with family and friends to show everyone what the home looked like and to ensure I knew EXACTLY what changes I wanted to make in my little dollhouse. My Nanny and her friend Norma came over and awed over the little characteristics that this 1930s home has and my Grandpapa came over later on in the day and was just so excited about the neighborhood and backyard.

After letting my grandparents in the home, I took ALLLL of the before photos and have them in a slide show for YOU! It is a goal of mine to keep track of all of the progress from beginning to end so I want to document it on my blog and Instagram. I hope you love the character and charm that this home gives and love what I plan to do over time!

 

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Last Sunday we had a full on clean out! The sweet little lady that owned the home before me had lots of books, some pretty neat National Geographic Journals (like up to the 1940s), furniture and random trinkets throughout. After clearing out all cabinets from the kitchen to closets my Dad, mother and older sister Ilissa came over to start covering up those original hardwood floors. We got builders paper and taped it throughout every room to make sure that it doesn’t get ruined and scratched up during demo. We’ve already started tearing down the walls and insulation because I’ll get new insulation and drywall along with updated electrical throughout where it is needed.

After protecting my precious floors, my Dad decided to get a little adventurous and we started checking out what was behind those walls and it’s just a whole lot of wood planking. Nothing too fabulous but neat nonetheless. So far we have demoed out FOUR full rooms and that’s my living room, dining room and guest bedroom. It’s been a family affair and I’m so thankful for everyone that has helped me get this thing rolling including my dad, mom and sisters! It’s so fun seeing the small changes over time that I know will be BIG in the end! Hope you enjoy and follow along!

 

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An Insider’s Look at Being A First Time Home Buyer

Being a first time home buyer is stressful, overwhelming, exciting, emotional and about a million other things bundled together! It can be a simple process or difficult depending on what type of shopper you are, REALTOR you have and lender you’re working with. Being a REALTOR, I’ve been through this process many a times but it’s a little different when looking for your own home.

I’ve never minded picky buyers that wanted to see a little bit of everything to help them make up their minds because… hey, ya never know! With me and my thought process though, I was all over the place. It’s tough because I help people all the time and I go from luxury home to smaller townhouses to everything in between. I mean I went from wanting one specific location to wanting older homes to think well the market is so hot and things are moving so quickly that maybe I should just build a home. Talk about hot mess express! With my Dad in tow, I had us all over town looking at polar opposite homes not knowing quite what I was feeling and vibing yet. I even told my dad that I would have fired myself as a client as a REALTOR. I was wearing myself OUT!

One day when I was fed up with my own crazy process, I decided to make a drive down the neighborhood I grew up in and low and behold there was a sign in front of the CUTEST 1930s Dollhouse. I mean I was in love! I got in the house before the house hit the market, made an offer and got it accepted! This home was about as far from everything I thought I wanted but it just felt right! My Dad kept telling me that when I walk in a home it’ll just hit me and I’ll know it’s the one and it did! It makes me think of the show Say Yes to the Dress and how the bride has that good feeling when she finds the ONE! Now I get it when I tell my clients the same thing!

The process after finding the home was pretty straight forward… get all paperwork to my lender, choose an insurance agent, schedule my inspection and start working with the title company. With a clear to close in 21 days thanks to my amazing lender Jordan Johnson with GUILD Mortgage, we were moving and grooving! I could have gone with a local bank or offered different types of loans but I really wanted to go through the whole mortgage process with the lender since I always refer them to my clients. It was easy breezy but only because I did my homework like your REALTOR typically tells you to – have all tax documents, bank statements and sign/review items as SOON as the lender sent it because time is of the essence. I was also patient – I waited two year to have two tax returns because I’m self-employed and really pulled numbers together to see what type of monthly payment made the most sense for me. I’m self-employed and commission-based so it’s difficult to sit down and think of what I make each month when it ebbs and flows. Really makes ya think!

The week of closing was exciting and a little stressful because you’ve got to remember to get those utilities switched over – some can’t be switched over like water and sewer until you close. Final walkthroughs ensue as you make sure the home wasn’t left in shambles and you’re ready to take it over and then I mean it’s time to sign your name away to 30 years on a mortgage! The to-do lists start piling and honestly I don’t think they really stop after – but HEY that’s okay!

Closing day a fun one, though! Now I’ve gone to quite a few closings with clients, but I legit think I lost my head that day – literally a REALTOR’s worst nightmare. I may or may not have LEFT, yes I said left my wallet in my workout bag and showed up to my closing without my driver’s license. Here I am the REALTOR that always reminds her clients to bring their cashier’s check and driver’s license and I don’t even have mine! Odd enough, though, I had my passport in my work bag (because I guess I’m just ready to jet off just in case?) and that thankfully works as an ID. Do as I say, not as I do sometimes, people!

Im thankful, though, to have the sweetest group of ladies at Central Title Company in Longview that made closing day so special and fun and acted like it was their own closing day! They all gave me big hugs, champagne and took all the stress away!

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My amazing Central Title Ladies – Shannon, Lindsay and Christina! 

 

My Dad and mortgage lender were there in tow to make sure everything went smoothly (sweet momma was there in spirit as she was at work). I cut a big ole hefty check and then I was CLOSED on my first home!

I have to admit, it’s kind of fun and empowering buying a home on your own. Not that it officially made me feel like an adult but it’s something I have on my own and in MY name! There’s a lot of work that goes toward being a home owner – saving money, building credit and on and on – and it makes you feel excited and proud to make this new property your home! 

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In front of my little 1930s Dollhouse on Closing Day! 

I’m so appreciative of EVERYONE that helped me become a home owner from my super supportive parents to my encouraging friends that built me up when I was ready to give up to my sweet sisters that are already decorating their rooms in their heads. I won’t be moving in immediately because this 1930s Dollhouse is getting a facelift, but get ready because you can follow along with the whole process on my Instagram and some upcoming blog posts!

Here’s what I learned from being a First Time Home Buyer:

  • Patience, young grasshopper. Don’t rush it and you’ll know when it’s the right house. Looks at all areas and do drive-bys to ensure you like the location before dragging your REALTOR out there, like seriously just check it out.
  • Pull yourself together! Seriously, get it together! Check that credit score, shop for lenders and insurance agents and know your budget and what you want that monthly payment to be close to. You may need to wait another year to buy and that’s okay!
  • Listen carefully. Everyone is going to share their two cents with you and that’s family, friends, colleagues, your teller at the bank and everyone in between. Remember that they ALL want what’s best for you and are on your team – remember that! BUT, this is YOUR home so do what is going to bring you happiness at the end of the day because you’re coming home to this and they may visit once or twice.
  • Celebrate the little things. Did your offer get accepted? Inspection went well? Just feeling excited that you found a home?! Celebrate that! Go out or cheers to yourself at home. This is a big step and you should be SO PROUD of that so acknowledge this accomplishment and moment in your life! BE EXCITED and don’t downgrade such a big thing!

Thanks for listening in and I truly hope this helps! I enjoyed the process and know that it all led me to my cute little dollhouse! There’s a process and gut feeling and you have to trust it!

Featured

Labor Day Sales: Home Edition

First of all, how is it ALMOST September? Talk about a whirlwind of a summer! We’ve got football season and a little more fun in the sun that follows up with Labor Day Weekend. But what’s even better than fun in the sun is all of the SALES!!! You’ve got mattresses, furniture, decor and more! Keeping it short and sweet, I’ve pulled together top sales by their specific products.

Instagram Post - Labor Day Sales

MATTRESSES

Mattress Firm: Save up to $600! King for the price of a queen and queen for the price of a twin PLUS a free adjustable base. Ends Monday. Best deal I found was a memory foam mattress for a guest bedroom that’s 50% off!

Serta: Cutting prices on all iComfort and iComfort Hybrid mattresses. Up to $200 off on some prices with this iComfort Foam Blue 100 CT Gentle Firm mattress being the best find.

TEMPUR-Pedic: Save up to $700 on select power base mattress sets. Their TEMPUR-LuxeAdapt mattress is $300 off.

Mattress Firm  serta  Snip 2019-08-30 09.03.07

 

FURNITURE AND HOME

Crate&Barrel: 15% off entertaining, decor, bedding and kitchen through September 2. Use code save15. I personally will be stocking up on the Camille Wine Glasses and marble serve ware.

Overstock: Extra 20% off select items + free shipping. Loving this round coffee table and this gold industrial chandelier. Really great decor items and furniture to peruse through. I’ll be stalking the site throughout the day!

Pier1: Save 25% off on sale and regular price. Use code LABORDAY. Time to stock up on that fall decor because Pier1 has the cutest pumpkins and quirky furniture to fill up the home.

Sur La Table: Up to 60% off kitchen basics and appliances. Love this place and they even have a set of All-Clad skillets for $60.

Wayfair: Up to 65% off on outdoor furniture and 75% off bedding. Big fan of this outdoor sectional and great deal on this down duvet insert for $37.99.

Joss & Main: Up to 80% off rugs and 65% off chandeliers. Wanting this single globe pendant in my kitchen area and this canopy bed is only wish list!

Snip 2019-08-30 09.27.26  Snip 2019-08-30 09.28.57  Silver-Orchid-Helbling-36-inch-Round-Coffee-Table-with-Gold-Metal-X-Base-36-x-36-x-19h-f2148adb-7ac5-4543-8a3a-220d323933a5_1000  Lorena-Sputnik-Industrial-Chandelier-with-Chrome-and-Champaign-Gold-Finish-17749ffa-bae6-4c39-aab2-6fd6207cd7e4_1000  3915168_1

ELECTRONICS AND APPLIANCES

Best Buy: Up to 40% off  of appliances and 65″ and larger TVs as low as $399.99. Eyeing this Samsung Smart TV and looking at investing in some stackable washer and dryer.

Home Depot: Up to 40% off special appliances and great deals on power tools.  Adding this built-in Winter 18-Bottle Wine Fridge to my kitchen.

Lowe’s: Up to 40% off appliances. I’ve been on the hunt for a dishwasher and there are great savings on their stainless steel dishwashers specifically this Samsung dishwasher.

Walmart: Some electronic are up to $100 off  and they have a George Foreman Grill on sale.

Amazon:  Up to $30 off a home security camera system.

 6325561_sd.jpg;maxHeight=200;maxWidth=300  6181273_sd.jpg;maxHeight=640;maxWidth=550  stainless-steel-whynter-wine-coolers-bwr-18sd-64_1000.jpg Snip 2019-08-30 10.34.00


 

Happy shopping! Cheers to a safe and fun Labor Day Weekend!

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Are You Ready To Buy A Home?

It’s simple buying a home, right? No prepping, no money, no worries. WRONG! There’s a lot that goes into the process, but let’s start with what you should think about before you even consider looking…. are you even ready to buy a home?

Going through this process myself and with many other clients, it’s good to have a little checklist of priority items you need completed before even considering to look at homes.

MONEY ON HAND

Got that money in the bank? I’m not saying you need to have tens of thousands of dollars in the bank but you need to have some cash on hand for a downpayment, inspection, earnest money and any other upfront expenses of items you may want to repair in the home. There are now so many great loan programs that either require zero down or just 3.5% but don’t get stuck on that. The more money that you can put down is sometimes better. It can lower your monthly payments and even lessen some closing expenses.

FHA Loans – 3.5% down payment and have great first-time home buyer programs

Conventional Loans – Minimum of 3% down payment

USDA/VA Loans – No downpayment loans are offered

Jumbo Loans – 15% down payment

Here’s how I prepped: I have a completely separate savings account that is JUST for my home savings and that is where I allocate anything and everything that I pull out for a property and put into it with repairs, etc. It helps me keep track of my cash on hand and stay organized.

GET YOUR CREDIT IN CHECK

Do you have credit cards or loans? Are you paying everything on time or in full? This will ALLLLLL come up at the end of the day when your lender pulls your credit to loan you money. Those two missed cable bills will come to haunt you so stay on top of all of those bills so the lender feels confident lending money to you.

There are also fantastic credit repair companies that can help you bump it up to where you want. I utilized my credit cards to build credit and a history for myself. I recommend stalking The Points Guy on where you can start. There’s truly a wealth of information on their site from which cards you can take advantage of at certain times of your life to how to better manage credit card points. BIG FAN!

BUDGET AND BUDGET WISELY

It’s important to know what you’re willing to spend per month when it comes to mortgage payments. This not only helps narrow down the types of properties you’ll be looking at with your real estate agent but also give you an idea of budgeting and knowing what your pocketbook can handle. 

LOOKING AT YOUR FUTURE

How long do you plan to stay around the area you’re looking at buying? Are we talking six months, three years or 10 years? It takes a minimum of three to five years to recoup the closing costs of your home. Basically, if you don’t think you’re sticking around the area for long then renting is in your best interest. Buying a home is an investment and you want equity in your home when you sell not to be in the hole.

Keep job stability in mind with your future as well. If you think there’s a possibility of relocation or promotions that require moving, it may be better to rent unless you know the company has a fantastic relocation program. Some companies do, some companies don’t.


If you have every last one of these items checked then congratulations! It’s time for you to get with a lender and real estate agent to make your home buying dream a reality. If not, utilize this list and make it your homework!

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5 Apps for the Home Buyer

Yes it’s true, we are GLUED to our cell phones. From Facebook to podcasts, we use our phone to keep up with friends and expand our knowledge. Being a millennial myself, I love the tools and resources that apps bring to my phone. When I look at the tools that  app provide, it’s not just calendar reminders and social media, there are also a lot of great tools to help with home buying. Pretty handy, right?

While there are plenty of house hunting apps like Realtor.com, Zillow and Trulia, you don’t want to overlook all of the other useful apps that help out homebuyers. I’m sharing my top five apps that help home buyers during their purchasing process.

5 APPS FOR THE HOME BUYER

  • Mortgage Calculator Plus: A quick and simple way to calculate your potential monthly payments for a home. It gives you the opportunity to plug in the customized purchase price of home, downpayment, insurance costs and even potential HOA fees. Is this the MOST accurate? No! That’s what your mortgage lender is there for, but it can get you pretty close.
  • Mint: Get your finances in check! I love, love, LOVE this app. It let’s me have all of my checking and savings accounts, cards and even 401K savings in ONE SPOT. This one provides a great overview of finances and the app even tracks monthly/weekly spending and normal spending behavior and alerts you when you’ve gone a little crazy on that shopping spree last week (HA!).
  • DocuSign: Talk about a handy app! You can easily sign documents on the go for contracts or amendments for your agent or lender. It’s a quick click of a button and the document is SIGNED without needing to open up a computer. You can’t finish the document until you’ve signed everything that your agent or lender asked you to.
  • Houzz: Design your home right from the phone. Open floor plan stressing you out? This app is for you! Love, love Houzz because it helps you get a better idea of where to place different pieces of furniture. Super useful and perfect for the visual person.
  • Evernote: This is not only helpful for you but for your agent! You’re likely going to look at quite a few homes and they’re all going to start blending together. You think it won’t happen, but it does! This app if fantastic for keep your pros and cons for each home and organizing it by property address. You can then simply send it on to your agent and review at your leisure.

There are plenty of other apps that people find useful in the home buying process, but these are some that you may not have thought about downloading. Hope this helps make the home buying process a little less stressful. Happy hunting!

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Home Buyers: Here’s Why I’m YOUR Expert!

Buying a home is one of the biggest and likely most $$EXPENSIVE$$ purchases you will make in your life. As a REALTOR®, I do NOT take that lightly and want to ensure that I can represent my clients in the best way possible by being knowledgable and experienced. To ensure that I can be YOUR home buying expert, I completed a designation course to become an Accredited Buyer’s Representative (ABR®). In order to become an ABR®, a REALTOR® must complete training that is specialized in understanding a home buyer’s perspective and promoting and protecting the buyer’s interest. 

While through experience and time as a REALTOR® you learn the ins and outs of representing a home buyer, this ABR® designation teaches you so much more. I joined a network of ABR® designees across the nation and we worked in groups on scenarios and how to better help our home buyers. I also took an additional course on New Home Construction to help assist my buyers that are looking to possibly build instead of buy and learned building process from beginning to end. I am here to help my buyers make informed decisions! 

So what can I do for you as an ABR®? I can assist you…

  • With needs and wants, and locate properties appropriate for buyer’s specifications
  • Help determine budget (pre-qualify)
  • Accompany in showing properties
  • Assisting in creating offer
  • Negotiation strategy for home buying
  • Vendor referrals (inspector, lenders, etc.)
  • Buying process from beginning to end in transaction – to closing and after!

All buyer’s representatives are NOT EQUAL! With my knowledge as an experience agent and as an agent that has earned the Accredited Buyer’s Representative designation, I have made the extra effort to raise the bar with additional training and education. I am confident that you’ll receive the HIGHEST level of buyer representation because I have taken the time to expand my knowledge in real estate and the home buying process.

If you’re  interested in buying a home, I would LOVE to help guide you in the process. Feel free to email me at bethanybreannenolan@gmail.com or call at (903) 738-8858.

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Closing Costs: Here’s Your Breakdown

Home buying… it can be fun, it can be stressful and it can be overwhelming! There are so many steps and processes and costs involved in the process, and as a Realtor it is my job to have answers to all of my client’s questions and concerns. While I always get asked about negotiations, inspections and more, one of the main questions I receive from my buyers is…

“What will my closing costs look like…?”

Honestly, it’s important to have a nice breakdown to show where all of your money is going and possible costs that seem hidden to the first time home buyer. This is likely BIGGEST purchase a person will make during their life, so people need to know what it’s going to cost and where their money is going. It can get complicated on whether the buyer or seller is paying for certain portions of closing costs, but that’s where your handy-dandy Realtor swoops in to guide you in the negotiating process!

So first of all… what are closing costs? Closing costs are fees associated with the purchase of your property/home that are paid at the closing of your real estate transaction. A closing is when the title of the property purchased is transferred from the seller to the buyer. Closing costs are incurred by either the seller or the buyer, these CAN be negotiated.

Now that we understand the high level description of closings costs, let’s break it down. While there is a rather large list of items that can go into closings costs, what I’m going to do is break down the biggest costs first and dwindle it down to other associated costs.

CLOSING COSTS

Title Company Fees (Cost Ranges Follow the Descriptions)

  • Appraisal: Paid to appraisal company to ensure fair market value of purchased home. Cost: Ranges are ~$500. 
  • Flood Certification: Pulled by third-party, determines if property is located in a flood zone. Cost: Ranges close to $10-$15. 
  • Postage or Courier Fees: Cost for transfer of documents. Cost: Ranges close to $40.
  • Recording Fee: Recording of public land records. Cost: Typically around $130-$150.
  • Settlement Fees: The title company is paid for handling the closing. Cost: Ranges from $200-$300.
  • Survey: Goes to a survey company to verify property lines. This is not always necessary as some sellers already have a survey on file. Cost: Ranges around $650 for a normal lot.
  • Tax Services: This includes transfer taxes, property taxes that will either be prorated or handled at the closing table. Cost: Ranges close to $100. 
  • Title Search: The title company is paid for their search of the property’s records. They check on the deed of the home and ensure there are no liens, etc.

Lender Fees (These fees vary, so depend on lender for guidance with your situation)

  • Credit Report: Pulled by lender, grabs credit history for loan approval.
  • Homeowner’s Insurance: You’re typically paying your first year of insurance at closing. Simple as it sounds, it’s insurance and covers any potential damages to the home.
  • Origination Fee: Covers lender’s research and administrative costs. Typically 1 percent of loan.  
  • Owner’s Title Insurance Fees: Can be optional, but protects you in the event that there are challenges to the ownership of your home.
  • Underwriting and Processing Fee: Goes to lender and pulls history/researches buyer for loan approval.

A great estimate that I like to give my buyers on their potential closing costs would be to vary it from 2 to 4 percent of the overall purchase price of the property. So if you’re purchase a $200,000 home, you can think ~$8,000 on the very high end and ~$4,000 on the low end. I find it better to give my clients an estimate that near a number than nothing at all. It gives my buyers and sellers a little piece of mind.

Home Buyers in a Hot Market

Are you sick and tired of being sick and tired of a HOT, HOT, HOT real estate market? Real estate agents and sellers are certainly not mad at how quickly homes are moving, but being a home buyer in this situation is just a little frustrating to say the least. I say this from experience because I’m currently a home buyer that’s growing increasingly impatient in a market like this.

Homes are hitting the market and hours later they have a contract or you enter into a bidding war and while it can be exciting, not everyone wins. This is just a little frustrating and a little discouraging for some buyers. When you’re a home buyer in a hot market, it’s important to remember a couple of tips:

  • Don’t settle. Well, duh! This is an important reminder, though. When there’s only so much inventory to choose from, buyers tend to get a little too excited and settle on a property that they don’t truly love. I recommend my buyers really take a step back, look at their need/want list and ensure in their gut that this is THE HOME for them before signing their name on that dotted line.
  • Be decisive. When you’ve gotten to the point of house hunting, you should have already been pre-approved by a lender or bank and have a general idea of what you want. I think it helps to look a couple of homes to guide what you like and dislike, but when homes are moving as quickly as they are in a hot market you have to remember that time is of the essence. So basically, know what you want!
  • Do your homework. Drive by homes, know the neighborhoods you desire and know what is NON-NEGOTIABLE when buying a home. Doing drive-bys and research beyond what your agent provides you with can really eliminate a lot of running around!
  • Stay patient. Inventory may be low or you may have a very specific need when it comes to finding a home. Good things come with time and you need to keep your eyes wide open and know that something will come along, it just may not be in the next 24 hours, 2 days or even month.
  • Help your agent. I am constantly watching the market and sending my clients homes that are hand picked specifically for them with regards to school districts, bedrooms, acreage and more. When your agent is contacting you or sending you emails, let them know if they’re hitting the mark or not getting anywhere near what you’re wanting in a home. They can’t help you if you don’t help them. And that’s a fact, Jack!

As an Accredited Buyer’s Representative (ABR®), I can hone in my skills to represent the needs of my home buyers from the comprehensive knowledge I’ve received from real estate education. Each and every home buyer is different and it’s important that you as a buyer are treated that way. I want all of my buyers to know that this process is for THEM and only them because it’s their money and their home. When the housing market is hot, people tend to throw all reason out the window and it’s important to stay grounded and ensure that the home you’re buying is what you know in your gut is the right home for you and your future. After all, this is an INVESTMENT! 

Enjoy the house hunting and don’t let the stressor of a hot market get the best of you! Happy hunting!

Amazon Prime Finds: Entertainment Pieces

I hate to admit it, but I can sometimes be impatient. WHAT?! I know… But thankfully I don’t have to wait long for items when it comes to Amazon Prime! It truly has made my leave easy peasy when it comes to ordering closing gifts for clients, buying items for our flip homes and just personal shopping for myself.

I know I’m not the only one in this crazy busy world that knows and loves all the perks of  Amazon Prime. I’ve decided to start a series in my blog highlighting some of the great pieces that I’ve either bought for myself or clients or have on my list. I plan to cover entertaining pieces, outdoor necessities, kitchen gadgets and more! I search on Amazon more than I do on any other site, so sit back and let me do the searching for you!

If you know me and my family, you know that we LOVE to entertain! From pitchers to cheese boards and everything in-between, I’m sharing some entertainment pieces that are sure to be a hit at all your parties.

Instagram Post - Amazon Prime- Entertainment Pieces

CHEESE BOARDS

PARTY BOOKS

 

PITCHERS

CARAFES

DECANTERS

SERVING PLATTERS

COASTERS

BEVERAGE GLASSES

DISPOSABLE DINNERWARE

BOARD GAMES

These are all fantastic entertaining pieces to add to YOUR home that are the perfect additions to parties and more! If you’re not an Amazon Prime member, sign up with this LINK for a FREE 30 Day Trial. At the end of the day, it’s been a GAME CHANGER for me from ordering last minute gifts to prettying up my space or setting up the perfect place to host parties.

Please note, I am an Amazon Influencer and can earn from qualifying purchases.

Upfront Costs in Purchasing a Home

Money, money, money! When you first start the home buying process, a big concern can be the money and cashflow that you’ll need to pay upfront once you have an accepted contract. Payments can start adding up, so I always try to make sure that my buyers are aware of what checks they’ll be cutting from the beginning once their contract is accepted.

While closing costs are a big concern to buyers, those don’t really come to fruition until closing day (end of the deal). When it comes to upfront costs, you’re top costs will include your Option Period Fee, Earnest Money and paying for your Inspection. I’ve pulled the ranges and explanations for each below.

UPFRONT COSTS IN PURCHASING A HOME

Termination Option Fee: Typically ~$100

Your Termination Option OR Option Period is typically a time frame of 7-10 days where you complete your inspections, come in and get quotes/estimates on any repairs you’re needing and ensure that you’re ready to move forward on purchasing the home. This period starts the next day after the contract is executed.

The Termination Option Fee protects your Earnest Money so that if you back out of the contract within your 7 to 10 day period due to the seller not agreeing to repair certain items or the home not being quite up to par, you would get your Earnest Money back. After the 7 to 10 day Termination Option Period, your property will go UNDER CONTRACT.

This fee is written out the seller of the home as they’re giving you this time frame to complete any inspections, etc. You do not have to complete an inspection or have a Termination Option Period, but it is always recommended.  Your Termination Option Fee CAN BE credited to your closing and negotiated on price point and day period.

Earnest Money: 1% of home purchase price

Typically, your Earnest Money is 1% of the overall price of the home. For example, if you purchase a home for $200,000 then your Earnest Money check will be $2,000. That is 1% of the purchase price. Is the 1% fee negotiable? Yes! But the Earnest Money is seen as good faith that you’re ready to rock and roll as a buyer so most buyers and sellers stick to using the traditional 1% number. If you’re in a bidding war, you may put down more in Earnest Money. It all depends on the buyer and the seller.

This fee is written out to the title company that is handling this transaction. Your Earnest Money IS credited at closing to your costs and can be negotiated.

Inspection Fee:  Truly varies on square footage of home/company – ~$360-$600

Is this a required fee? Not necessarily, but some lenders do require an inspection and I ALWAYS recommend my buyers order one so that they know the ins and outs of the home from a licensed professional. The fee ranges by the company you use and the square footage of the home. The bigger the home, the higher the cost. In my opinion, this cost is WORTH IT! 

This fee is paid directly to the inspector or inspection company. This IS NOT credited to your closing and if you back out of the contract you will not receive a refund for the fee. Inspections are there to give you piece of mind and know what’s going on from plumbing to foundation to electricity. It’s beneficial on ALL fronts!

 

While there are some other upfront costs in purchasing a home, these are the main costs after you receive and accepted offer on a property. These are all fee to expect and later on pull money for your downpayment, lender (appraisal, etc.) and closing costs. This is used to help guide you at the very beginning stages after a contract is accepted.

Preparing Your Home During The Stormy Season

April showers were supposed to bring May flowers, right? But all we feel like we’re getting are scary tornado watch calls from Mark Scirto from our local news station.

WINDOWLESS INTERIOR

In the grand scheme of things, you truly need to worry about finding a small, windowless interior room in the home. Duh! But we also need to think about how you can protect your home during this stormy weather from hail damage and more. Here are a couple of things you can do to protect and prep your home.

Untitled Design

HERE’S WHAT YOU CAN DO

Trim those trees. Look at the limbs close to your roof, where you park your vehicle or near any lines. While I always recommend hiring a professional, if it looks like a smaller job these tree trimmers can help lighten the load and stress. This can help prevent much larger issues after storms.

Cover or move your outdoor items. Do an inventory of your outdoor items like patio furniture, planters, firewood, grills, etc. Either cover those items or bring  them inside to a garage or shop area. You can use patio furniture covers, grill covers and more to protect your outdoor favorites. Securing them to the ground is also very helpful.

Check those gutters and downspouts. Ensure that they’re not logged with leaves or full of miscellaneous items by using gutter cleaners. Clear them out to prepare for proper flow of water during the storms.

Follow local news. Be informed. Pay attention to the weather either on your local weather radars, sign up for texts, calls or email alerts from your local weather station to be in the know on upcoming weather.

Inspect your roof. Hail storms and high winds are not your roof’s best friend. Keep an eye on the condition of your roof and if you see any significant damage, be sure to get in touch with your insurance adjustor to see what they can help cover repair costs.

Do you have an emergency kit? Grab the basics: first aid kit (bandaids, ointments, etc.), food (water and non-perishable snacks – put in those granola bars), flashlight with extra batteries, radio and fully charged phones or portable chargers. Have those ready just in case. 

Lastly…

FIND THAT SAFE ROOM! Be prepared and have a cleared and clean windowless, interior room or area identified for storms.  Stay safe!

Stay safe out there, my friends.

It’s WAY DAY, y’all!

Online shopping, home decor and discounted STEALS… these are a few of my favorite things! For those of you that don’t know, today is WAY DAY with Wayfair – the company’s biggest sale of the year with Black Friday-like sales. WOOHOO!!

I’ve been slowly skimming this 36-hour sale all day and and LOVING what I’m finding. We’ve got outdoor furniture, rugs, kitchen items and MORE! I’ve really given this site a deep dive and am sharing some of my favorites. Take a peak and get a STEAL ON A DEAL!

 


|| RUGS||

UP TO 80% OFF

As of late, grays and neutrals are what’s catching my eye when it comes to rugs. I’ve done the colorful, fun and girly rugs and they’re cute but hard to decorate around. I am LIVING for these hide style rugs that look like Kyle Bunting designs for MUCH LESS! It pulls in my ranch roots with a chic look. This rug would look perfect in my mother’s room and I may just convince her of that tonight (are you reading this, Mom)!

 Foraker+Cow+Hide+Hand-Woven+Cream+Area+Rug Silver+Area+Rug-2 Morrison+Flatweave+Cowhide+Ash+Area+Rug Grey++Area+Rug

 


|| OUTDOOR FURNITURE||

UP TO 70% OFF

It’s Outdoor Season, people! No doubt here that outdoor furniture is not the cheapest, but  these discounts are some that you just can’t pass up. A couple of my favorite items include the wicker deck box and the plastic adirondack chair. We LOVE our deck box at the lake and throw our cushions in the box when it looks like there’s going to be a quick 10 minute rain and pull the cushions back out to enjoy in the hot summer heat. My family is actually looking to switch from wooden adirondack chair to plastic.

  Arlington+4+Piece+Sofa+Set+with+Cushion  7+Piece+Dining+Set+with+Cushions  Paterson+Plastic+Folding+Adirondack+Chair  Belton+Wicker+Deck+Box Barwick+6+Piece+Sectional+Set+with+Cushions  Seagle+Daybed+with+Cushions-2

 


|| LIVING ROOM FURNITURE||

UP TO 70% OFF

Filling up your living space can be overwhelming!! From couches to sides tables to tv stands, there’s a lot you need to fill up a room with the right flow and vibes you’re looking for. What’s I’m living are some of the matching pieces like the gold brushed end table and coffee table that pair perfectly with any style and type of furniture. I personally have this Roberta Armchair in the corner of my room and LOVE it. So deep and comfy.

Kylie+End+Table+With+Storage  Schuck+TV+Stand+for+TVs+up+to+70   Deford+Coffee+Table  Deford+End+TableBourges+Cocktail+Ottoman  Roberta+Armchair Roberta+Chesterfield+Sofa     Fairchild+Slipcovered+Standard+Sofa

 


|| BEDROOM FURNITURE||

FROM $79.99 AND UP

Way Day is SO convenient for me right now because I am currently on the hunt for new bedroom furniture! I am really love both the tufted headboard and the canopy bed that are on sale right now. I’m also a BIG FAN of mirrored furniture and am loving the deals on the dressers and jewelry organizers, as well.

Orpha+6+Drawer+Double+Dresser  Pollark+Free+Standing+Jewelry+Armoire+with+Mirror  Marion+Canopy+Bed  Borchers+Upholstered+Platform+Bed

 


|| KITCHEN & DINING FURNITURE||

FROM $35.00 AND UP

Time to outfit those kitchen and dining areas! I’ve found the bar cart that your Pinterest DREAMS are made of and the cutest kitchen table for an eating nook. You’ll be all set up by the end of the sale!

Tibo+Bar+Cart  Lynn+Dining+Table+with+Dual+Drop+Leaf  Elyza+Credenza  Saguenay+Extendable+Dining+Table


 

Happy shopping, my friends!