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For Millions of mothers and fathers, August and September are months to dread. Those are the months children typically leave home for college. Until you have children about to walk out the door to start lives of their own, you probably can't know what it feels like.
The sudden loss of purpose is like a hole opening up underneath you. You struggle to climb out of it, but the hole keeps giving way around the edges. Until you finally give in and realize the hole isn't all that deep.
You get through it and (though the bittersweet feelings linger) within a few months, you move on. You kick-start your lives as a couple again. Or perhaps as a single. You look around and blink—like waking from a deep dream—and see new opportunities.
For many parents, having an empty nest is freeing. They board planes for untaken vacations, make new friends and go out more often, start a business, or pick up a hobby they've never had time for. Many stays in their family homes, others sell and move to a trendy neighborhood or smaller home. Others wait a year or two to get their footing before moving.
If your nest is empty now (or about to be), and moving is in your plans, contact me to get the ball rolling. I know it's a commitment just to start the conversation, but we'll go at your pace, as slow or fast as you need.
~ Adam Jessen - 513-236-5088
Choosing to enter the home buying process is likely the largest financial decision you will make in your lifetime, so it is not one that should be taken lightly. Ensuring that your other current and upcoming financial responsibilities are under control is crucial to having a smooth transaction and being able to enjoy your investment fully. These tips will help you prepare your budget for purchasing your dream home.
Calculate your monthly income. How much money is coming in every month? This is the amount that is left after taxes, health insurance, and retirement savings are taken out of your monthly salary.
Understand your current expenses. Make a list of all your current recurring expenses month to month. Don’t forget to factor in things like loan payments, gym memberships, car maintenance, groceries, self-care appointments, etc.
Determine where you can find savings. Are there any ongoing memberships or subscriptions you don’t use that can be cancelled? Can you cut out your daily coffee or eating out a lunch? Make these adjustments right away to start saving more.
Boost your financial standing. Before buying a home, it is recommended that you dedicate extra effort to paying off other debts and boosting your credit score. Taking these steps will help you during the loan approval process.
Don’t move finances around. Your lender will review your bank statements during the pre-approval process and then again during underwriting. Any large withdrawals or deposits may throw a red flag so try to avoid these when possible. If you can’t, make sure you have proper documentation to explain the movement of money.
Whether it’s your first time buying or you just want to purchase something smaller, townhouses and condos are both great options. Check out the differences between the two to help aid you in your search!
Condominiums are similar to apartments in that you purchase an individual unit inside of a larger building, but not the property it sits on. This generally includes access to the building’s amenities, such as the clubhouse, pool, and gym. However, condo owners are not responsible for the upkeep and repair of these common areas. Because of the number of shared spaces, living in a condo often allows for meeting new people and building a strong sense of community. There is a fairly similar vetting process for loan approval as for a full-sized home; however, the lender will also look at the health of the condo association.
Those who purchase a townhome are generally purchasing the complete unit, both inside and out, including the land it sits on. This might also include the driveway, yard, or roof. Traditionally, these units are two- or three-stories tall and may also include common areas like pools and parks. Townhome owners pay a fee to a homeowners association every month and the loan process is a same as buying a full-sized home.
Which is the best choice?
Both townhomes and condos offer less maintenance than a traditional home and generally offer great shared areas. Your decision ultimately comes down to your and your family’s needs and wants. Things you’ll want to take into consideration include location, lifestyle, family growth, and price.
JULY 2019 SALES
Thank you again to all who’ve trusted me to assist you, your friends, and family. My business depends on referrals. I hope you feel comfortable introducing me to the people you know and care about.
We are fully committed and ready to take you through an incredible adventure of selling your beautiful home.
We will sit down and analyze the current market with you, in order to formulate a strategic plan of action. This plan will expose your property to the largest amount of potential buyers searching for your specific product. More often than not, this includes creating and syndicating your unique listing to over 200+ websites, holding open houses, conducting agent-to-agent networking, reverse prospecting, and more. We will do everything in our power to get you the best price obtainable, in the least amount of time, with the least inconvenience to you. You will constantly be in the know, as you’ll be provided with detailed market reports, and frequent communication by us, every step of the way.
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