October Newsletter

The Scariest Thing About Being a First Time Home Buyer

One of the scariest things about being a first-time buyer is the unknown. It’s probably one of the main reasons 90 percent of all buyers do hours of online research before deciding to buy a home.

The entire process can be stressful. It’s complicated. It’s filled with paperwork. It’s most likely the biggest financial decision of your life. And it’s peppered with deadlines and boxes that must be checked or the entire deal can fall apart!

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Real estate agents are here to uncomplicate the buying process for you. An agent is your matchmaker: he or she will help you define the qualities of your dream house and work hard to turn that dream into a reality. And since they’re pros, they’ll manage the deadlines and check those countless boxes for you so you can make an offer on your dream house with confidence.

A home purchase may be your largest financial transaction to date, so it’s important to make the right decisions and to keep an eye on the details. With the assistance of your Residential Mortgage Lender and real estate agent, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

  • Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  • Present the homes that suit your needs as you’ve defined them.
  • Help you determine the difference between a “good buy” and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  • Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else’s — even if your offer is lower!

Count On Your Loan Officer To:

  • Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  • Keep you informed of your loan status throughout the entire process.
  • Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).
  • Get the appropriate loan for you at the best rates and fees. This will save you significant money “up front” and throughout the years to come.

Count On Yourself To:

  • Keep your Real Estate Agent informed of any questions or concerns as they develop.
  • Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  • Enjoy purchasing your home, but do remain objective throughout — to make the business decisions that are best for you.
  • Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.

I am not a mortgage lender and I will never pretend to be.  I ALWAYS encourage my clients to make an appointment with a reputable lender and actually sit down to go over all options.  There are so many options out there other that just the typical Conventional, FHA, and VA loans. Contact Tracy Geer at First State Bank Mortgage for more information.  Find her pre approval link on my website.

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My October Obsession: Carrot Cake

CARROT CAKE
INGREDIENTS
2 1/2 cups All Purpose Flour
1 1/2 teaspoons Baking Soda
1 1/4 teaspoons Baking Powder
2 teaspoons Ground Cinnamon
1/2 teaspoon Salt
2 cups Sugar
4 Large Eggs
1 cup Vegetable Oil
1 teaspoon Vanilla Extract
2 cups Grated Carrots
3/4 cup Chopped Pecans
3/4 cup Coconut (I don’t use coconut because I think it is disgusting!)
1 8oz can Crushed Pineapple (put in strainer and let juice drain. I used a fork to press out more liquid.)
DIRECTIONS
Preheat oven to 350 degrees
Line the bottoms of 3 (8inch) or 2 (9inch) round pans with wax or parchment paper, grease with shortening and flour the paper and pans for easy release when turning out……carrot cake has a tendency to stick so be sure to use the paper.
Whisk together for 30 seconds the flour, baking soda, baking powder, cinnamon, and salt. Set Aside.
In a mixing bowl, add 2 cups sugar , 4 eggs, 1 cup oil and 1 tsp. vanilla. Mix 2 to 3 minutes at medium speed until well blended and light colored.
With a spoon stir in the flour until moistened, then add the carrots, pecans crushed pineapple and coconut.
Bake 35 minutes at 350 degrees or until a toothpick inserted in the center comes out clean. Refrain from opening the oven door or touching the center of the cake to test for doneness until very near the end of baking time or it could cause the cake to sink slightly in the center.
Makes 6 1/2 cups batter
Cool cake layers in pan for 10 minutes on a wire rack then turn out. Cool completely before frosting.

It’s healthy because it has carrots.  Just go with it.

Places to visit in October in Kansas & Missouri:

  1.  Weston, Missouri- Weston Red Barn Farm, O’Mally’s Pub, and Pirtle Winery
  2.  Parkville, MO- Wines By Jennifer A hidden gem in downtown Parkville.  Stop in to taste their featured wines of the month and listen to the stories of their travel.  Don’t forget to join the Wine Club!
  3. Lawrence, KS- Lawrence is so pretty in the fall.  Walk down Mass Street and check out all the local shops.  Make reservations at 715 for dinner, my FAVORITE!

Pumpkin Patch

 

 

 

September Tips for Home Owners

Landscaping Tips That Can Help Your Home Sell

For some properties, landscaping can make or break a deal. Unless you’re selling a real fixer-upper, your home’s yard is an important part of the real estate equation. If you’re looking to put your home on the market, or you’ve already listed and you haven’t had a lot of interest, use these quick and easy landscaping tips to help your property stand out from all the others.

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COORDINATE WITH COLOR

If your home has a yard, don’t be afraid of adding accents with pops of color. Many buyers prefer a nice green lawn; if you don’t have a sprinkler system, your local home improvement store will have easy-to-use and affordable sprinkler units you can hook up to a garden hose to help revive any dying grass (unless you live in an area where summer water usage is limited). You can also add color with flower pots: plastic or terra cotta pots filled with annuals are an easy, cheap and quick way to spruce up a drab entryway, driveway or front porch. You don’t have to go overboard, one or two pots can do wonders.

PRESSURE WASH

Sometimes a landscape or outdoor area doesn’t need a complete overhaul to look brand new. When it comes to decks, fences, driveways, and any other outdoor surface that can accumulate dirt and grime, an easy way to freshen things up is with a good pressure wash. Pressure washing is cleaning a surface with a powerful stream of high-pressure water, much stronger than a typical garden hose. The water is strong enough to get rid of months and even years’ worth of dirt and debris on wood, masonry, brick and concrete.

You don’t have to go out and buy a pressure washer – many home improvement stores rent them out, and for the cost of the rental and a couple hours of your time, your home could look like new! It’s important to note that you will want to test the pressure on the washer prior to spraying your home since very high pressure can remove worn paint. Sometimes all a home or a patio needs is a good wash and it looks just like new!

 

 

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LEAD THE WAY WITH LIGHT

While it’s highly unlikely you’ll have many people come and view your home at night, a great and easy way to add to your current landscape is with lights! Whether it’s adding a new outdoor lamp, or putting in walkway or path lights (solar ones are readily available and environmentally friendly!), buyers love to see little details put into homes. Pathway lights are often overlooked by homeowners, but a home with outdoor lighting will always speak volumes to potential buyers. Spotlights are also a great and easy addition – LEDs can highlight specific areas, and complete units can be found for under $30.

DITCH THE DEAD PLANTS

A nice manicured yard always rates highly among buyers. But if half of your yard is dead, despite being landscaped, it’s a good idea to ditch the dead plants. Take a couple of minutes each day to check out your yard – grass, flower beds, pots, etc. – and pull out anything that’s dying or dead. While it’s definitely a plus to have flowers and shrubs, if they’re dead, you’re better off getting rid of them than keeping them around because dead plants do not add to a landscape.

MAKEOVER YOUR MULCH

Flower beds are a great focal point for any yard, especially when they’re a real show stopper. But if your beds look weathered or rough, they can be a definite turn off to potential buyers. An easy, affordable and sure fire way to spruce up a tired flower bed is by adding new mulch or other ground covers like bark chips or gravel to help make the beds look fresh and new. A yard that has fresh mulch will always draw in a buyer’s eye because the yard looks put together and cared for.

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Summer is a popular time for real estate and an even more popular time for your yard. If your home can benefit from a little yard TLC, don’t hesitate. The tips above are easy, quick, and they’ll certainly help your home stand out from the competition. In the past I have put new mulch out in the spring but forgot this year.  The local home improvement store, such as Lowe’s or Menard’s, usually has great sales on mulch in the fall.  Don’t forget to grab some colorful mums to brighten up your front porch.

Not a DIY type, ask your friends and family if they know any local landscapers.  You might be surprised how affordable they are!