Finding a Good, local, Lender

how_to_choose_the_best_mortgage_lender_or_broker

We build relationships with people in our business, and there are A LOT of people in our business. We work with Inspectors, Title Companies, other Real Estate Agents, repair companies (if necessary), and of course people who can make the financial piece of your dream come true or turn into a nightmare.

We recently helped a buyer from out of state, Alaska to be exact. Working with an out of state lender is doable, of course, but much more difficult than working with a local lender.

Not only is it harder to coordinate documents and signings with an out of state lender, communication could be impacted as well. Time differences, federal, state and local codes and laws are much more difficult to maneuver. The Alaska lender we worked with was unfamiliar with Nevada rules for the loan type we were working with. This caused stress with our buyer and created delays with the closing.

We have many lenders we recommend to our buyers that are local and very knowledgeable about what they do. No matter who you choose as your Real Estate professional, have them refer several lenders to you. You certainly don’t have to go with the first one you speak to, shop around and find one that you like and will work for you.

Vicki

Top 10 Features Home Buyers Want in 2017

Article courtesy of American Home Shield® Home Matters blog.

 

Find out the top 10 features today’s home buyers are looking for in a home so you can better meet their demands and help them find the home of their dreams.

Although the generations of home buyers differ, there are many common features they all want in a home. According to a study conducted by the National Association of Home Builders, home buyers are looking for features that will help them save energy and money and will help them keep their family and home organized. Here are the top 10 features on their most wanted list:

1. Laundry room
A separate laundry room is at the top of the list as the most desired feature in a home. Having a laundry room for folding clothes, piling up dirty clothes or ironing is a huge benefit, as it helps keep the mess out of the rest of the home — like the guestroom, couch or dining room table.

2. ENERGY STAR® appliances/windows/fixtures
Energy efficiency and saving money on utility bills are top priorities for homebuyers. Energy-efficient windows can help cut heating and cooling costs by 12%, an ENERGY STAR appliance like a washing machine can help save a homeowner $40 or more a year on utility bills and an ENERGY STAR Certified Home uses 15-30% less energy.

3. Exterior lighting
Exterior lighting is the most desired outdoor feature. An illuminated home that highlights landscaping, a tree or a beautifully manicured lawn can improve the aesthetics of a home and set a mood. It can also help guide visitors to the front door in the dark and is an excellent burglar deterrent.

4. Patio
Patios are the second most coveted outdoor feature. Outdoor areas offer more living space without the cost of a home addition and they can help recover 30-60% of a home’s investment. Plus, they’re great for entertaining or just relaxing outdoors.

5. Ceiling fans
Ceiling fans are practical and decorative. They’ve become must-haves as energy costs continue to rise because they can cool a room more efficiently than air conditioning. Plus, they come in many beautiful and stylish designs.

6. Full bath on main level
A second full bathroom in a house can make a big difference and a good impression on buyers. In fact, an additional full bath can increase a home value by 20%. Plus, it comes in handy as a guest bathroom.

7. Hardwood on main floor
Not only do hardwood floors give a home a nice sleek look, they’re also cleaner, easier to maintain and more durable than carpeting. Hardwood floors can be refinished and can last a lifetime.

8. Insulation higher than required by code
Insulation helps lower the cost of heating and cooling. Higher insulation levels that exceed code requirements can usually be found in energy-efficient homes.

9. Garage storage
Everyone loves having lots of storage space and the garage is the most convenient and accessible place for storage, as it’s usually just a few steps away from the house. A nicely organized, roomy and easily accessible garage with storage cabinets is very appealing.
10. Eat-in kitchen
Kitchens with plenty of space for a table are important to home buyers, especially those with families. The kitchen table is where everyone congregates — in the morning over breakfast and in the evening for dinner.

For more helpful tips, visit the American Home Shield® Home Matters blog.

Reno Property Buying

Check out my new page for your real estate needs in Reno. You can access seller tips and smart home prices at the following links. Be sure to visit each one and like them! Thanks for your support.

Barb Robinson-Ramirez, Realtor Extraordinaire
www.renopropertybuying.com/
www.barbramirez.com
Facebook: barbramirezrealestate/
Twitter: @barbrobi
Linkedin: barbara-robinson-ramirez-58376158/
http://barbramirez.7sellertips.com/
http://barbramirez.smarthomeprice.com/
http://barbramirez.hometrendsreport.com/
http://barbramirez.nameyoursellingprice.com/

The post Reno Property Buying appeared first on Barbara Robinson-Ramirez’s Blog.

It’s a great time to buy a home

Have you ever noticed that when Spring arrives it just feels like new things are coming? That is because it it a great time to buy a home in Reno or Sparks Nevada and Greater Northern Nevada. Getting started in a new living situation is renewing, exciting and fun. It may be due to a job or school change or just because you would like to change your environment.

If you have been thinking of buying a home and even it you do not think it could be possible, Give me a call. We can look at the opportunities that are available for you. Sometimes if may require that you additional work on your financial situation and other times you may be ready right now.

Call Barb Robinson-Ramirez at REALTY WORLD-Ballard Co. today to find out what your future has in store for you! 775-690-7143 or text, email barb@barbramirez.com. You can also visit me at www.barbramirez.com

The post It’s a great time to buy a home appeared first on Barbara Robinson-Ramirez’s Blog.

Thinking of Selling?

Selling a home can be a process, even in a hot seller’s market.

By prepping your home a few months in advance, you can reduce your stress and increase the odds of finding a buyer quickly after listing. Take a look at this handy checklist I’ve created to ensure you know all the important steps that go into selling your home.

If at any time, you’d like to discuss the home selling process, don’t hesitate to reach out! My specialty is getting homeowners the best possible price for their home.

Your trusted neighborhood specialist,

Realty World – Ballard Co., Inc.
(775) 688-4656

Barb Robinson-Ramirez Barb Robinson-Ramirez
REALTOR, Property Manager
(775) 688-4668
barb@barbramirez.com
View my website
S.61442
Ultimate-Home-Seller-Checklist

The post Thinking of Selling? appeared first on Barbara Robinson-Ramirez’s Blog.

Hello and Welcome!

Hello!

Welcome to our blog. I’m super excited to start my journey as a Realtor. I received my license in October 2016 and, although a little slow to start because of prior commitments, I am well on my way to fulfilling a dream I’ve had for a long time.

I have to admit that my best friend got me doing this, and now we are partners on our real estate path. I couldn’t have asked for a better partner and friend to do this with. So Sheri Johnson, THANK YOU!

Going through school and passing the test was pretty daunting to me, but I’m extremely proud of myself that I did it. And I passed the test the first time! I wish I could say I didn’t get any wrong, but they don’t tell you anything other than if you passed or failed. I’m going to say I did great! Haha!

Well, for now that’s all I’ve got, but I’ll be back with more soon.

Vicki

Spaghetti Bowl

In January we had the State of the state address from Governor Sandoval. He said a lot about what is currently happening and what will be happening in the future of our great state. One of the things he mentioned was the expansion and construction of the Spaghetti bowl. Most of us know of this as the place where I-80 and hwy395 intersect.  But the newer folks to this area think of it as I-80 and 580.  With all the growth in the recent years this has become a very hectic place at times. It obviously can not continue in it’s current state for much longer. Thankfully there are plans in the near future to help all of us have a better commute. I have included a link if your interested to see what is currently happening involving this subject, and what the possibilities are for the future. Please take a moment and see for yourself. You will also find contacts for everyone involved in this project should you have some input.http://www.nevadadot.com/uploadedFiles/NDOT/Projects_and_Programs/Reno%20Spaghetti%20Bowl%20Charrette%20Report_Final%20red.pdf

FHA loan limits increased

Happy New Year!!!!! Well 2017 is finally here and It is going to be an exciting year. So many exciting things are happening locally in our community and around the country. One of those things is the Federal Housing Administration (FHA) recently announced the agency’s new schedule of loan limits, Housing prices have been going up for a while and have begun to exceed the ceiling for some of the most popular loans available. This has caused the FHA to make some changes in order for more people to qualify for a new home. Most areas in the country will see a slight increase in loan limits in 2017. These loan limits are effectively changed on or after January 1, 2017, and will remain in effect through the end of the year.  In Washoe County FHA Loan Limits will increase from $325,450 to $345,000 and in Fernley will increase from $271,050 to $275,665.  If you have been thinking about getting into a property or maybe your just curious about our current market, give me a call or shoot me an email anytime.

Tesla Progress

There has been a lot of talk about the “Tesla Effect”, and all that it will hopefully bring to our community.  There is no doubt the opening of the huge gigafactory has already had an effect on our housing market.  There has been many other businesses that have come to open here in order to be closer to the factory, obviously, creating more jobs. There is talk about building and improving schools.  You pretty much can’t go anywhere without road construction.  And everyone keeps saying this is just the beginning since the factory isn’t even completed yet.  I for one am excited to think of all the possibilities we have before us.  Now is a great time to be a northern Nevadan.  And now is a great time to start thinking about where you live, where you would like to live, or maybe an investment property.    I have included a link below that gives us a pretty good insight into just where exactly Tesla is in it’s progress.  Please take a moment and check it out.

http://www.constructiondive.com/news/tesla-gigafactorys-grand-opening-set-for-july/420015/