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Three Key Points to Remember When Investing in a Cottage or Waterfront Getaway

August 9, 2016 by Rhonda Costa

Three Key Points to Remember When Investing in a Cottage or Waterfront GetawayIf you’re looking to invest in a cottage or waterfront getaway, there are three key things to keep in mind throughout your search.

How’s The House?

Even if the lake is the highlight of a property you’re considering, it is important to make sure that the home is equally as great as the beautiful body of water it borders.

How’s its orientation? Is it built on the ideal angle to take full advantage of the sun? Does the deck or large windows face another house directly? The orientation is an important factor to consider as it can make or break the comfort of the property.

You’ll also want to consider the lot itself, as many waterfront properties are not built on level lots, but rather on sloping hills. If this is the case with a cottage you are looking to buy, it is important to have the land inspected to uncover any potential dangers or deficiencies. This is especially significant if you want to pursue further construction on the property in the future.

The waste system is another factor to consider, as many lakefront properties utilize a septic tank or public sewer system, which may differ from what you are used to and could cause more hassle than the home is worth.

Just How Lakefront Is It?

It is also important to consider the proximity of a house to the water, as there are unique risks that come along with bordering on a body of water. If the home is very close to the lake, research the typical rise and fall of water levels throughout the year as well as whether ice or frost develops in winter.

Make sure you have a thorough understanding of the lake specifics as well. Know the lake rules, what types of water crafts are permitted for use, how deep it is, and how busy it is throughout the year. A lake may look beautiful, but it’s equally important to ensure it will provide the experience you are looking for as well.

Protect Your Privacy

Lake front getaway homes often come with limited privacy as many properties may face each other across the water. Additionally, since space is limited around a lake, properties may be squished together to make the most of the land that’s available, and that can also compromise your privacy. Be sure to check out who you can see and who can see you, and take note of whether or not there are substantial tree barriers between you and your potential neighbors.

If you’re serious about finding a waterfront getaway home, speak with your trusted real estate professional today to find the property of your dreams.

Filed Under: Home Buyer Tips Tagged With: Buying A Home, Home Buyer Tips, Investment Properties

What’s Ahead For Mortgage Rates This Week – August 8, 2016

August 8, 2016 by Rhonda Costa

Last week’s economic reports included construction spending, personal income, and multiple reports on employment. Freddie Mac’s mortgage rates survey and new jobless claims were also released.

Construction Spending Dips in June

According to the Commerce Department, construction spending fell in June to -0.60 percent as compared to expectations of an increase of 0.50 percent and May’s reading of -0.10 percent. Spending was even across public and private construction spending. The Commerce Department said that construction spending on June rose to $1.13 trillion was 0.30 percent year-over-year and was 6.20 percent higher for the first six months of 2016 as compared to the same period in 2015; construction spending appears to be trending upward in spite of recent month-to-month declines.

Consumer spending rates in June met expected growth of 0.40 percent and matched May’s reading. Core consumer spending fell to 0.10 percent in June according to expectations, which were based on May’s reading of 0.20 percent.

Labor Reports Indicate Stronger Economy

Inflation remains lower than the Federal Reserve’s annual rate of 2.00 percent, but labor news released last week supports reports of strengthening economic conditions. ADP Payrolls, which covers private-sector job growth, reported 179,000 jobs added in July as compared to June’s reading of 176,000 jobs added.

Non-farm payrolls grew by 255,000 jobs as compared to expected growth of 185,000 jobs. Neither July’s reading nor did expectations of 185,000 jobs added meet June’s reading of 292,000 jobs added, but analysts and media reports touted private and public sector job growth as a strong indicator of economic recovery.

The national unemployment rate held steady at 4.90 percent against expectations of 4.80 percent and June’s reading of 4.90 percent. Analysts said that this reading was better than it appeared due to more people joining the work force in July.

Mortgage Rates Lower:Jobless Claims Rise

Mortgage rates fell across the board last week according to Freddie Mac. 30-year fixed rates averaged 3.43 percent, which was five basis points lower than the previous week. Average rates for a 15-year fixed-rate mortgage fell by four basis points to an average of 2.74 percent. The average rate for a 5/1 adjustable rate mortgage fell five basis points to 2.73 percent.

New jobless claims rose to 269,000 against expectations of 263,000 new claims and the prior week’s reading of 266,000 new claims. There’s good news; new jobless claims remained below the key reading of 300,000 for the 74th consecutive week.

What‘s Ahead

This week’s scheduled economic news includes releases on retail sales and consumer sentiment along with weekly reports on new jobless claims and mortgage rates.

Filed Under: Mortgage Rates Tagged With: Jobless Claims, Mortgage Rates

Selling Your Home? Here’s Why You’ll Want to Keep Your Emotions out of It

August 5, 2016 by Rhonda Costa

Selling Your Home? Here's Why You'll Want to Keep Your Emotions out of ItSelling your home can be an extremely emotional process, but it’s important that you don’t let your emotions get the best of you. Learn which common mistakes emotional sellers make when selling their home so that you can identify them during your own sale and overcome them before it’s too late.

Price Paralysis

You love your home, you know the value it provides to its owner, and you think it’s special compared to other houses on the market… and that it should be priced as such!

Be wary of this thought pattern though, as sellers who are emotionally attached to their home tend to overprice their listing, ignore market data, and be stubborn in negotiations.

It is perfectly normal for your emotions to cloud your judgement when first listing, but it is important that you listen to your real estate agent’s advice and stick to reason, or you may find your home failing to close.

Pricing Based On Need

Your home has a market value, and you can’t ignore that. It’s a fact.

When moving to a new property, it is essential that you understand that you cannot price your current home based on the amount of money you need to purchase your desired next home. This mindset is unrealistic, and can drag out your home sale.

If the purchase of a new home is contingent upon how much you make from selling your current home, be sure that you do not celebrate too early. Wait until you have closed the deal before gauging what you can afford to buy next, or stick to a property that is definitely within your budget.

Maintain An Open Mind

While you may love the way your personal items and interior design pieces make your home feel, it is best to stage your home very impersonally for showings. This may require re-painting rooms to more neutral tones, taking down your favorite family photos, and using professional staging furniture rather than your own. Doing so isn’t admitting that you have bad taste, but rather accepting that buyers have a wide variety of taste themselves, and you want to appeal to them all.

You should also keep an open mind when it comes to who you sell your home to. You may have an idea of what you consider to be the perfect buyer, but ultimately the goal is to sell your home. What the buyer does with it after the fact is up to them.

To avoid these emotional home-seller mistakes, work with your trusted real estate professional who can guide you through the process and keep you on the right track.

Filed Under: Home Seller Tips Tagged With: Home Seller Tips, Real Estate Tips, Selling A Home

5 Tips to Make Moving With Kids Easier

August 4, 2016 by Rhonda Costa

5 Tips to Make Moving With Kids EasierSometimes a move is unavoidable, regardless of how much you or your kids’ would rather stay in your current home. If your young ones are not looking forward to a change in scenery, here are a few tips to help them make a smoother transition into their new home.

1. Involve Them

Involving your children in the moving process will not only help them to better understand the move, it will also make them feel as though they are more in control of the situation. By taking them to open houses they’ll become familiar with the neighborhoods you’re considering moving to, and will have the chance to see first-hand some of the benefits that a new home would offer over your current one.

2. Say Goodbye

Moving can be an emotional time for children, and it’s important to allow them to face and embrace their feelings. Hosting a goodbye party will provide closure to an important chapter of their life, and creating a memory book will offer comfort on days when they miss your old home. It is totally normal for there to be some sadness associated with a move, so do not feel guilty if your child is upset, but be there for them if they struggle with letting go.

3. New Beginnings

Although it’s okay for your child to feel sad about leaving your old home, it will help their transition if you give them something to be excited about, such as a new bedroom. By allowing your child to help plan and pick out the layout, paint colors, or bedding for their room, you will give them something to look forward to.

4. No Benchwarmers

When it comes to packing and unpacking, don’t let your kids sit on the sidelines as mom and dad do all the work. By helping you pack and unpack, your children will feel secure knowing that their belongings are all on their way to your new home, and will feel more welcome knowing where items have been put when they’re unpacked.

5. Make Friends

Being the new kid on the block can be lonely, which is why it’s important to encourage your child to socialize within your new community. Make an effort to meet the neighbors, enroll them in an extra-curricular activity, and schedule play dates with classmates if they have had to move to a new school. It can be intimidating for a child to socialize when faced with a whole new environment, but a little extra encouragement can go a long way.

Considering moving your family into a new home? Speak with your real estate professional who is experienced in family relocation today!

Filed Under: Home Buyer Tips Tagged With: Buying A Home, Home Buyer Tips, Moving

4 Tips For Negotiating a Better Rental Agreement

August 3, 2016 by Rhonda Costa

4 Tips For Negotiating a Better Rental AgreementRenting is hard. It’s easy to get lost in the length and language of rental agreements, but it’s important not to get discouraged when that happens. Rental agreements are fundamental documents that lay out the details of your tenancy, so when you’re ready to negotiate their terms, give them the attention they deserve with the help of these tips.

Research the Property

Like prepping for a job interview, make sure you know about the property you’re negotiating. Research the market so you know a reasonable price to ask for (and to expect). Read up on comparable properties in your neighborhood so you can use them as references during the rental discussion. There are resources that can help here, including online rent indexes that list comparable prices and vacancies for major cities.

Research the Landlord

As a tenant, you’re in partnership with your landlord, so get to know them. Look at other properties they own to see those rental rates. The more prepared you are (to a reasonable degree but leave off the Facebook stalking), the more comfortable you will be while negotiating. And remember that negotiations are two-sided; so try when you can to consider what both parties will get from the deal. Be ready to compromise.

Read the Contract

It’s worth repeating, even though it sounds obvious. But rental contracts need to be read, and read carefully, so that you know what rights you have as a renter, and what responsibilities are yours (versus your landlord’s). Have a lawyer, or a law-minded friend, read over the contract if possible. And when negotiating changes to an already existing agreement, be sure you write them all down and both you and the landlord initial them, on each copy of the contract. This ensures the changes are legal and binding.

Rent Isn’t The Only Negotiable

Rent isn’t the only element of your tenancy that you can negotiate. If the landlord is unable or unwilling to lower the rent, even after you’ve done your research and asked for a reasonable decrease, you can address other aspects. Look at landscaping, or maintenance of the unit. Perhaps you can do a little yard-work to offset some of your other costs. Think creatively.

Approach your rental agreement negotiation with respect and preparation and you’ll be well on your way to a better contract. If you have any questions or concerns, get in contact with your local real estate agent. They know your neighborhood and will be able to help you negotiate it.

Filed Under: Around The Home Tagged With: Around the Home, Real Estate Tips

3 Smart Home Gadgets That Are Worth the Investment

August 2, 2016 by Rhonda Costa

3 Smart Home Gadgets That Are Worth the InvestmentIt’s no secret that high-tech homes can provide a more effortless living experience while also being just really, really cool. If you’re looking to up-the-ante and introduce high-tech gadgets into your home, check out our top three smart-home suggestions:

1. Robotic Vacuum Cleaner

Robotic vacuum cleaners are one of our favorite high-tech toys as they can alleviate a significant portion of the burden of your regular household chores. They’re even more beneficial considering the fact that they can also make your home much more comfortable to live in.

Food crumbs, pet fur, and dust bunnies are no match for an iRobot Roomba, which will soon become your own personal home-cleaning minion. Your house will feel cleaner and look more pristine, and you won’t even have to lift a finger!

Bonus: these things have serious entertainment value. Google “shark cat” if you don’t believe us.

2. Smart Thermostat

This high-tech addition is a fantastic way to boost comfort within your home while also controlling household expenses. When you invest in a smart thermostat, a small sensor will be able to detect the temperature in each room of your home, adjusting the heat flow accordingly.

With no more uneven heating throughout your house; the chilly den that you dread working in will now become a usable space! On the flip side, your thermostat will no longer be blowing heat into rooms that have already hit your desired temperature. Now that’s what we call a ‘smart’ home upgrade.

Bonus: smart thermostats work for air conditioning as well, meaning that they can help ensure your stuffy guest room is as cool and comfortable as the rest of the house.

3. Sleep IQ Bed

You’ve likely heard of sleep number beds, whose firmness is independently adjustable on each side of the mattress, but have you heard of their newest add on, the Sleep IQ?

Sleep IQ beds monitor your sleep by tracking a number of factors such as your heart rate, breathing patterns, and movement throughout the night. Based on these stats, the bed will recommend ways you can improve your overall sleep quality, and ultimately your overall health.

Bonus: since you can adjust the firmness of each side of the bed independently, you and your partner will never have to compromise on your preferences again!

Looking for a more high-tech home? Speak to your trusted real estate professional today to learn what exciting new options are available to you.

Filed Under: Around The Home Tagged With: Around the Home, Home Technology, Upgrades and Renovations

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Rhonda & Steve Costa

Rhonda & Steve Costa

Call (352) 398-6790
Sunrise Homes & Renovations, Inc.

Contractors License #CBC 1254207

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