• About
  • News you can USE!
  • Team Sisters
  • Around Town

News you can USE!

~ Local Real Estate Market and Community Information for EBR, Ascension & Livingston Parish Residents

News you can USE!

Category Archives: Finding a Realtor

Image

Happy New Year! Call Me..225.933.7062

31 Monday Dec 2018

new-year-new-house-fw-watermark

Share this:

  • Share
  • Email
  • Tweet
  • Print
  • Share on Tumblr

Like this:

Like Loading...

Posted by Make your Home your Haven! | Filed under Finding a Realtor, Helpful Information, Timely Advise

≈ Leave a comment

Indecision is Not a Decision

17 Tuesday Oct 2017

Posted by Make your Home your Haven! in Finding a Realtor, Helpful Information, News you can USE!, Timely Advise

≈ Leave a comment

Tags

Buying a Home, Buying vs Renting, Mortgages, Real Estate, Rent vs Buy, Rent Vs Own, renting vs buying, renting vs buying a home, Savings on buying a home, steps to buying a home, taxes

There could be some legitimate reasons for not buying a home but indecision is not one of them. Indecision is rooted in not having enough information to move forward to own a home or continue renting.

18443593-250.jpg

If you keep renting, at the end of the year, you have had a place to live and a pile of receipts that helped the landlord pay for his house. Deciding to buy a home will give you a place to live that is yours and all the things that come with that.

When you consider principal reduction, appreciation and tax savings, your monthly cost of housing could be much less than the rent you’re paying. The principal reduction included in each payment is like a forced savings account that increases as your mortgage balance decreases. Your equity in the property will also grow due to appreciation as the home goes up in value. The equity is part of your net worth and an investment in your family’s future.

The income tax savings can be an additional financial consideration if the combined interest and property taxes are greater than the allowable standard deduction.

Trends are showing that both tenants and homeowners are staying in their homes longer. It’s been said that whether you rent or own, you’re paying for the home. Do you really want to buy the home for your landlord? Check out your numbers on a Rent vs. Own and then, call us to help make it happen.

Share this:

  • Share
  • Email
  • Tweet
  • Print
  • Share on Tumblr

Like this:

Like Loading...

Honored by Broker★Agent™ Advisor

18 Tuesday Jul 2017

Posted by Make your Home your Haven! in Finding a Realtor

≈ Leave a comment

Tags

Honored by Broker★Agent™ Advisor, Press Release, teamsisters

Janice Dubois Honored by Broker★Agent™ Advisor

In recognition for exemplary service during calendar year 2016, Janice Dubois receives Certificate of Excellence from leading real estate trade publication. “Fewer than 10% of real estate professionals nationwide are eligible for this Award and the honor is ours to endorse Janice Dubois.” says Chad Golladay, Executive Publisher of Broker★Agent™ Advisor

Press Release

Certificate of Excellence This is to certify that Janice Dubois has met or exceeded criteria established by Broker Agent Advisor relevant to experience, reputation, and achievement… and having demonstrated every quality characteristic of a superior real estate professional is hereby recognized and honored for exemplary service to their community and as a credit to the real estate profession. Chad Golladay Chad Golladay Executive Publisher Broker Agent™ Advisor “Janice Dubois exemplifies the type of professional we designed this award for,”says Chad Golladay, Executive publisher of Broker★Agent™ Advisor. “A credit to their company, profession, and community at large both inside and outside of real estate; one with whom the honor is truly ours in being able to share this award.”

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Share this:

  • Share
  • Email
  • Tweet
  • Print
  • Share on Tumblr

Like this:

Like Loading...

Located on Brightside Dr

07 Friday Jul 2017

Posted by Make your Home your Haven! in Finding a Realtor, News you can USE!, Real Estate For Sale, Real Estate Listings

≈ Leave a comment

Tags

baton rouge homes for sale, Brightside Drive Baton Rouge, Bus Route, condo for sale near LSU, Gates at Brightside, Homes for sale near LSU, homes in Baton Rouge

http://www.tourfactory.com/1822632

Enjoy the tour of this amazing condo near LSU..

This GATED community is ideal for those needing something with plenty of room. This condo offers POOL view, two designated parking spaces with additional overflow near by, nice private PATIO, open flow floor plan, and tons of STORAGE, new carpet on stairway, and new bathroom hardware and some new paint. The refrigerator, washing machine, and dryer remain. In addition you will have the convenience of being on the BUS route. This 3 bed /2 bath, ready to move into, condo will not last long. Check it out today!

Share this:

  • Share
  • Email
  • Tweet
  • Print
  • Share on Tumblr

Like this:

Like Loading...

When the rate goes up

26 Monday Sep 2016

Posted by Make your Home your Haven! in Around Town, Finding a Realtor, Helpful Information, News you can USE!

≈ Leave a comment

Tags

FHA mortgage, Home Ownership Tax Benefits, Housing Market Trend, improving your credit score, tax incentives, Today's Mortgage Rates, Updated Interest Rates

It’s not “if” the rate goes up but “when” the rate goes up; it could make a big difference for some buyers. Freddie Mac predicts that mortgage rates will be at 4.5% a year from now.

mortgage-rate-history

If buyers can afford a home with higher interest rates, it means higher payments. Higher payments might mean they won’t have the money to spend on other things like furniture or improvements to the home or an unrelated purchase like a new car.

When the rate moves 0.50% on a $250,000, the payment goes up by $70.66 a month. If it moves 1.00%, the payment goes up by $143.74 per month, each and every month for the entire term of the mortgage which means paying over $50,000 more for the house.

The question facing every borrower in this situation is “How will you feel about having to pay more to live in the same house because you were not ready to commit?”

Then, there’s the borrower who is absolutely maxed out as to what they can qualify for or sometimes, it is a borrower who just refuses to pay a higher payment. When that’s the case, the buyer has to make a larger down payment. In the same example, a 0.50% increase in rate would require $14,873 more in down payment. That could make the purchase impossible or require the buyer to buy a lesser price home that will not have the same amenities.

Mortgage rates have been low for so long that some people think that is what they should be. There are some economists who believe that the economy will not be strong again until mortgage rates are in the 7% range.

To see how this type of scenario might affect you, go to the   http://www.betterhomeowners.com/FinancialApps/RateGoesUp.aspx?AccountId=EDlpyr3ghkCnBFQdFv9dGQ&Auth=1

Share this:

  • Share
  • Email
  • Tweet
  • Print
  • Share on Tumblr

Like this:

Like Loading...

Aside

Pay Off Your Mortgage?

30 Tuesday Aug 2016

Posted by Make your Home your Haven! in Finding a Realtor, News you can USE!, Real Estate For Sale

≈ Leave a comment

Becoming debt free is as much a part of the American Dream as owning a home but there certainly can be conflicting circumstances that make the decision to pay off your mortgage early unclear                                                                                                            .32498400-250.jpg

The advantages of paying off debt early is increased cash flow, less interest paid and a higher credit score. The disadvantages are lower cash flow available as discretionary funds for meals, entertainment and other things. If the ultimate goal is financial security, is it worth the intermediate sacrifice?

Whether you pay off your mortgage early is a personal decision that may be right for one person and not for another. Consider the following before you get started:

Reasons you should

  • Peace of mind knowing that you don’t have a mortgage
  • You’ll save interest regardless of how low your mortgage rate is
  • Lowering your housing costs before you retire

Reasons you shouldn’t

  • You can invest at a higher rate than your mortgage
  • You have other debt at a higher rate than your mortgage that needs to be paid off
  • You might need the money in the future and want to remain liquid
  • You might not qualify for a mortgage currently
  • You should pay off other debt with higher interest rates
  • Your employer has a matching retirement plan that would benefit you more
  • You have more urgent financial needs like emergency fund, life, health and disability insurance
  • You expect high inflation and the value of your mortgage debt will decrease

Use this Mortgage Accelerator to determine how quick you can pay off your mortgage.

Share this:

  • Share
  • Email
  • Tweet
  • Print
  • Share on Tumblr

Like this:

Like Loading...

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

Join 714 other followers

Realtor®

Janice Dubois

Realtor, Remax First.... 4750 Sherwood Commons Blvd. Baton Rouge, La. 70816
225.291.1234 Office | 225.933.7062 Mobile | janicedubois@gmail.com | http://www.janicedubois.com
https://www.zillow.com/profile/Team-Sisters-BR/ | Your Realtors for Life! | e-Pro, SRS, ABR, CRS | Team Sisters w/ Carol Cotten | Licensed to practice Real Estate in Louisiana / Each Office Interdependently Owned and Operated | Servicing EBR, Livingston and Ascension Parishes

Categories

Recent Posts

  • Hot Spot Monday! Best Kept Secret in Livingston Parish….. Oak Point Fresh Market!
  • Mardi Gras in Baton Rouge
  • 10 BestWeekend Getaways in Louisiana
  • Happy New Year! Call Me..225.933.7062
  • 10 Home Trends That’ll Be Hot In 2019 (And 2 That Are OUT!)

Blogroll

  • Better Homeowners Newsletter 0

Archives

Latest Tweets

  • Blessed to get to what I do. 😍 Love helping families with new home purchases and sales. 🏡 If your thinking about bu… twitter.com/i/web/status/1…Pressed 2 days ago
  • Team Sisters ... we are never too busy for you! Thinking of buying or selling in 2019? Give us a call today! .… twitter.com/i/web/status/1…Pressed 1 week ago
  • My favorite work time. #itskeytime #TeamSistersBR What's your favorite work time? . . . . . . .… twitter.com/i/web/status/1…Pressed 1 week ago
  • Choose your Realtor like you choose your doctor. Buying a home is one of the most important financial decisions you… twitter.com/i/web/status/1…Pressed 2 weeks ago
  • Celebrating 40 years with randydubois! Really 46 years. Not sure what we thought 40 years would feel like, but for… twitter.com/i/web/status/1…Pressed 2 weeks ago
  • We have a client asking for recommendations for NOLA restaurants.. What's your best recommendation? instagram.com/p/BtERE55AkoN/…Pressed 3 weeks ago
  • Hey Guys, go and check out our updated web page teamsistersbr.net and tell us what you think? Lots of cool th… twitter.com/i/web/status/1…Pressed 4 weeks ago

Blog at WordPress.com.

Cancel
loading Cancel
Post was not sent - check your email addresses!
Email check failed, please try again
Sorry, your blog cannot share posts by email.
%d bloggers like this: