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YOU CAN BOTHER TEAM SISTERS ANYTIME…. YOUR AGENTS FOR LIFE!
Real estate agents hear this all the time…
“I wish I had called you before. But I just didn’t want to bother you. I know you’re busy…”
…after it is too late.
There are times when you might feel like you shouldn’t “bother” the real estate agent you know. (Could be your friend, a neighbor, your brother-in-law, cousin, your sister…)
Maybe you’re truly trying to be considerate.
But, maybe it’s because you’re not even aware that you should.
Or, you just don’t want to feel obligated or pushed into doing something. (Despite what many people think, most agents are not pushy. Most are the exact opposite.)
So, let’s go over a few times that you should “bother” your real estate agent. Because it really isn’t a bother.
In fact, we’ll get into why it will bother them if you don’t reach out to them for any of these things.
You see a house online. Or a For Sale sign. Maybe even just stumble across an open house.
You’re not all that serious about buying a house. Maybe you’re only just starting to think about it. Or, maybe you have no desire at all to move, and you’re just curious and want to take a peek.
So, you don’t want to “bother” the agent you know to show you the house.
Instead, you call the listing agent. Or some random agent you don’t even know. Or just walk right into the open house.
Next thing you know, you love the house. You’re making an offer. The offer is accepted. And then you regret it. Or problems come up. Or the process is miserable. Or you don’t feel like the agent you’re dealing with is giving you the best advice.
And that’s when you call the agent you know.
Too late. At that point, the agent you know can’t help. (Or at least shouldn’t…) Because now you are represented by another agent. The agent you know can get in a lot of trouble for even giving you friendly advice.
As innocent as it seems, when you just want to go see a house… you are inadvertently making a bigger decision than you think — you are deciding who will represent your interests, advise you, and help you through the process.
Even if you just go see a house with another agent, and before you even make an offer you decide to have the agent you know write up the offer and represent you… the agent who simply showed you the house could claim you as their client. It’s called “procuring cause”. I won’t get into the details here, but it can become messy.
You’re better off calling the agent you know to show you the house in the first place. You won’t be considered a bother.
What will bother him is to have to bite his tongue and not give you the help you want further into the process.
Maybe you’re just curious about how much your home is worth. Or, maybe you’re actually thinking of selling. It might be because you want to get a feel for your net worth.
Nowadays, you can hop online and check out any number of sites that will give you the value of your home.
So, why “bother” the agent you know about this?
Because most of what you will find online is highly inaccurate to begin with. They are “automated” valuations. They are based upon data and algorithms. They have never even seen the inside of your home. They do not take into account your local market conditions.
And if you base your hopes, dreams, and decisions off of an inaccurate value, that can hurt you quite a bit.
Again, asking the agent you know to do an analysis and give you a true market value… not a bother.
But, it would be bothersome to hear that you’ve based important life decisions off of an inaccurate value once it’s too late.
The real estate agent you know probably isn’t an architect. Or a builder, a plumber, an electrician, a painter, etc. So, they probably can’t advise you about the ins and outs of a specific project or costs.
But once you have a sense of the proposed cost of a project, before you just pull the trigger and move forward, you really should “bother” your agent for their input.
Putting on an addition? That will surely increase the value.
A kitchen or bathroom remodel? Yep, your house will be worth more.
But will the value increase more than the amount you spent? Will that matter in your situation? Will the choices you make in decor, layout, or fixtures appeal to a buyer down the road? Does that even matter, given your future plans?
All questions and thoughts your agent can get into with you. Before you spend the money and go through the headaches of a huge project.
On the other hand, if you go forward with a home improvement project and spend, let’s say $60,000, and then call your agent…
You could seriously regret how much you spent, or even doing the project at all.
Your agent doesn’t want to break the news to you that your home is only worth $38,000 more after you spent $60,000. There is no joy in that. There is nothing that can be done at that point.
That’s just three examples. There are certainly more. But you get the point…
So, reach out to your agent before you do anything real estate related… and just trust that it isn’t a “bother”.
Credit: Lighter Side of Real Estate
If a View of the Amite River is on your wish list, then you will want to schedule your private tour of this spectacular ONE OF KIND home in White Oak Landing. This SIX bedroom / SEVEN & HALF bath home, with over 5300 Sq.ft of living offers space but oh so much more! The Views from the Den, Master Bedroom, open and screened Patios are spectacular from the vast wall of windows. You will have access to viewing nature in its full view on the banks of the river. Upon entry you will be greeted with a Grand Plantation Style Foyer and exquisite Mexican style flooring. The large formal / dining area have Oak wood floors, chair rail, and Crown molding. The home has a private wing for the master Bedroom featuring new paint and flooring, and wood burning fireplace with a gas starter. Amazing PRIVATE BATH SUIT for her and one for him, Claw foot tub, dressing and sitting area on her wing, and an extra large whirlpool spa, separate shower, and sauna on his wing with large walk in closets for both. The right side of the home host a private wing to the other five bedrooms & Private baths, with walk in closets, new upgrades, paint, ceramic tile and parquet flooring. The kitchen has cabinets galore with new slab granite and butcher block island. Newer upscale appliances with double door sub zero refrigerator, separate ice maker / trash compactor, wall oven, microwave, and dish-washer. The Breakfast area has a tranquil view overlooking the large in-ground gunite pool and the view of the river. The Great Room is massive with 5’ Oak Hardwood flooring, Large brick wood burning fireplace/gas starter, and raised hearth, beautiful built-ins, and two station doors leading to the covered patio and pool. Once outside you will enjoy the privacy and seclusion that this home has to offer. There is an outdoor kitchen and a 361 sq. Ft. POOL house with brick floors and an additional private 1/2 bath (sq.ft not included) The Sub offers estate size lots, hiking, fishing lakes, & security.
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Mortgages, whether held by an owner-occupant or an investor, are usually amortized so that each payment reduces the principal amount owed so that the loan will be repaid totally over the term. A tenant is inadvertently retiring the landlord’s mortgage with his monthly rent.
In most cases, the mortgage payment including taxes and insurance will be lower than the rent tenants are paying. Some experts are saying that we may never again experience the incredibly low mortgage interest rates currently available.
Renting precludes a person from enjoying the advantage a home has as a leveraged investment. When the borrowed funds cost less than the investment is returning, the rate of return on the down payment grows much faster. As you can see from the chart, a 2% appreciation on a home could result in big returns on the down payment. In most cases, there are very few or no alternative investments that offer homeowners similar returns.
Even if a buyer agrees with all of these things but doesn’t have the down payment or cannot qualify for a loan, they still need to investigate further. To find out exactly what types of loans are available and the specific down payment required which can be a whole lot less than 20%, they need to consult with an experienced, trusted loan professional (an Internet lender or a “BIG” bank may not be the best choice.) Call for a recommendation.
Rare Gem located in serene Mallard Lakes. You can come home to a custom built beauty just minutes away from the city & enjoy living in a luxury retreat every day. Take time to visit this exquisite listing in the upscale neighborhood of Mallard Lakes that offers 6227 sq. ft. with 5 bedrooms, fame room, 4 full baths, & two half-baths, room for the family & guests.
Wake up each morning to the glorious view retreat-like setting with salt water pool, waterfall, Jacuzzi, & quartzite deck that overlooks one of the three contained ponds. You can cuddle up with a good book by the double sided fireplace inside, or take advantage of the outside kitchen and fireplace when you are ready to entertain. The custom finishings in this home are extensive. Let’s start with an elevator that will take you to the media room, or the attic if needed, take the time to go to the man cave above the garage. If that wasn’t enough to keep you busy, take solace in the complete private master retreat and bath. Total indulgence with the custom designed double walk through rain shower, Jacuzzi tub, marble counters, & custom designed mirrors, along with ample counter and storage space included in the adjacent MASSIVE walk in closet. You will love the over-sized island where you can store everything imaginable in this 14’ x 17’ space, along with a wall of a hanging room that accommodates attire for every season of the year. Step right into the detailed laundry room where there is more storage, shelving, and unique features. With three beds, 2 baths, & media room on the second level, there is still plenty of room for your guests in the private mother-in-law suite on the main floor that has its own private bath, custom shower & private entrance to the pool. Covered parking for 5 …ample parking space for more with plenty of land to take quiet peaceful walks in the morning or afternoon.
Schedule your private tour soon and be one of the first to take advantage of this amazing property.
The Veterans Administration guarantees home loans for eligible veterans. It is considered an attractive loan because the veteran can purchase the home with no down payment up to specific loan limits and no mortgage insurance. This makes the monthly payment considerably lower.
Let’s assume a buyer wants to purchase a $200,000 home and can get a 4.5% interest mortgage for 30 years.
A FHA loan would require a $7,000 down payment plus $3,377.50 in up-front MIP which can be rolled into the mortgage. The monthly mortgage insurance premium would be $221 per month for a total payment of $1,215.94.
The VA loan doesn’t require a down payment. There is a 2% VA funding fee that can be rolled into the mortgage which would make the principal and interest payment on $204,400 much less at $1,035.66.
The revised loan limits for 2014 are published by VA and can change each year especially based on high-cost areas. However, a lender can allow a home purchase in excess of these amounts with a 25% down payment on the amount above the limit.
If a purchaser wants to buy a $600,000 home in an area where the VA limit is $417,000, the lender could require a $45,750 down payment and make a $554,250 mortgage. In this example, the purchaser is able to get in for less than 10% down payment and no mortgage insurance.
Veterans with the available funds for a down payment should compare all loan products to consider which will provide the lowest cost of housing. A skilled real estate professional and a trusted mortgage advisor can be valuable resources.