SIGN UP LOGIN

Articles Tagged "Home-buying tips"

Joyner Fine Properties Blog Home

Subscribe and receive email notifications of new blog posts.




rss logo RSS Feed
Awards | 1 Posts
Buying a House | 9 Posts
Community | 5 Posts
Events | 2 Posts
Home Buying | 5 Posts
Home DIY | 4 Posts
Home Improvement | 23 Posts
Home Selling | 9 Posts
Homeownership | 17 Posts
Lifestyle | 8 Posts
Market Trends | 2 Posts
Moving | 8 Posts
Richmond, VA | 65 Posts
RVA | 33 Posts
March
7

Moving Expenses

The key to a successful and affordable move is to plan ahead. This way, you can start saving and budgeting well in advance of your moving date. But what expenses do you need to account for as you plan your move? Our real estate agents list some often-forgotten moving expenses below.

Click Here to Read More...

February
28

With spring around the corner, it's time to plan your spring cleaning. One area that many homeowners often overlook is their windows. 

Clean windows maximize the amount of natural light that enters your home; our real estate agents know that gleaming windows also help your home look its best during home showings. 

Click Here to Read More...

February
21

Pet Friendly Home

Many households view their pets as family members, so it only makes sense that you would consider your pets when searching for a new home. Our real estate agents suggest following these tips to ensure you buy a pet-friendly home. 

Click Here to Read More...

January
17

Richmond paint colors

Redecorating after moving into a new home can feel like an insurmountable task. Let's say you've finally closed on one of these Richmond homes for sale and are looking to change up a few things to fit your style better. Now, where do you start?

Let's take a closer look at the trending paint colors that will inspire you in 2022. Make sure to consider the mood you want to inspire and the types of rooms you might want to use these trends for in your home.

Click Here to Read More...

December
27

Richmond Real Estate Agent

If you're planning on buying or selling a house in the coming year, you might be wondering how to find the right real estate agent to support your transaction. After all, so much of your success depends on the experience of the real estate agent you select to support you along the way. If you're selling your home, your real estate agent is key to securing the highest possible sale price. If you're considering one of these beautiful Richmond homes for sale, your agent's expertise in the market and negotiation experience can help you land a solid deal.

However, finding a good real estate agent with the right level of experience isn't as simple as you might think. With so many agents out there, you might have to do some work to really find one who is truly a good match for you and your family. To help you, below are some tips that can help you find the best real estate agent to support your transaction in 2022.

Click Here to Read More...

October
18

Homeowner Gifts

Finding the perfect gift can be a challenge, no matter what the occasion. One occasion that may have you scratching your head is shopping for a house-warming present for a new homeowner.

Is your friend or relative settling in among Richmond homes for sale? Our real estate agents have vast experience helping homeowners acquire the home of their dreams or selling their homes so they can move on -- but they also know a thing or two about what a new homeowner might welcome in the way of a gift.

Click Here to Read More...

August
16

Rainy Day Projects

Rain, rain go away! Summer showers are bound to happen and even people who love the rain can get cranky when they are cooped up inside all day. You can stave off that boredom by jumping into a DIY project to stay active. Our real estate agents have a few ideas for projects for kids and grownups alike. Some are just for fun, while others are designed to spruce up Richmond homes for sale. Take a look at some of these great options:

Click Here to Read More...

May
10

Interior Design

Designing a beautiful home is no easy task. While it may seem simple, it takes a keen, knowledgeable eye to create an interior with that special wow factor! Our real estate agents show a variety of homes that reflect beautiful design style, and we see the difference it makes when buying or selling a home.

As interior designers know, it requires vision, skill, and planning to understand the impact of scale, color, and balance in your home. Many design decisions go into a well-designed interior. In Richmond homes for sale, savvy buyers are looking for interiors that reflect current design trends, so they don't have to sink money into costly design mistakes.

Click Here to Read More...

April
26

Kitchen Organizing

If it feels like your counters are consistently cluttered, or you waste precious time searching for the proper kitchen tools each time you cook, it's time to declutter your kitchen.

Ready to make your kitchen more visually appealing and organized? Follow this guide to maximize your decluttering efforts. 

Click Here to Read More...

November
2

First Home Checklist

Are you ready to buy your first home? Congratulations! This is a major milestone and an awesome accomplishment that you should be proud of. Our real estate agents understand how important this decision is, and we're here to help anyone who feels ready to enter into homeownership. Get ready to buy your first home by using this helpful checklist.

Click Here to Read More...

September
21

Homebuyer Mistakes

Purchasing a first home is one of the largest financial decisions most people make in a lifetime. The process can be an emotional roller coaster -- stressful, exciting, and overwhelming at the same time. For inexperienced homebuyers, it can be difficult to know what to expect and it's common to make mistakes during the house-hunting process. However, with a little preparation and research, you can avoid costly pitfalls and prevent major issues from popping-up down the line. Below are some tips to help you make the best decision when purchasing your first home.

Click Here to Read More...

August
24

Home Inspections

A home inspection is an important step when you're buying or selling a home, so it pays to know what an inspection entails and exactly what kind of information it reveals.

Our REALTORS® explain the following points buyers and sellers need to know about home inspections for Richmond homes for sale.

Click Here to Read More...

May
26

Real Estate Terms

Buying a home requires learning a new language. It is normal to feel a little lost in the conversation until you learn the lingo. To help make buying a home in Richmond a little easier, our real estate agents recommend studying the following vocabulary words as you start the process.

Click Here to Read More...

December
16

Housewarming Party Etiquitte

One of the most joyful parts of the home buying process is just after closing when the pressure is finally off for everyone, and the homebuyer is ready to move in. Time to throw the housewarming party! If you're throwing this bash or you've been invited to one, there are certain rules of etiquette our REALTORS® want to share so you can have a blast without any faux pas.

Etiquette Tips For Homeowners

When you're planning your first housewarming party, you may not know where to begin. Good etiquette comes before you send out your first invitation. It all begins with when the party is scheduled. You may be impatient to have it as soon as possible, but it is important to make sure that your house is in good order before you plan. You shouldn't be living out of boxes or luggage when your guests show up at the front door. A housewarming party is a presentation, and you want to give yourself enough time to make a good impression.  

Other important points of etiquette include:

  • Invite new neighbors first to make a good first impression
  • Request that guests who are driving in RSVP to ensure sufficient parking spaces
  • Skip the gift registry and permit your guests to gift freely without pressure
  • Be prepared to provide snacks and refreshments in an easy-to-access area
  • Make sure there is enough well-prepared food for everyone during mealtimes
  • Be a personable host and greet each visitor in person, mingling with different groups throughout the event
  • Send thank-you notes for attendance, especially for any gifts that were received

Proper Etiquette For Guests

When it comes to etiquette slip-ups at a housewarming, it can be tougher on the guest than the host. It can be awkward visiting someone's home for the first time. Just remember these points of visitor's etiquette, and you should be fine.  

Click Here to Read More...

November
25

Time to Buy a Home

For most renters, owning a home is the eventual goal – it's just a matter of when to make the leap. Whether you've always wanted to own a home or you're simply growing tired of renting, there are plenty of signs to tell you that now is the time. Our REALTORS® are here to help you decide, with signs that you may be ready to buy a home.

  1. Do You Daydream of Your Own Home?
    Sometimes, the signs are straightforward. When you find yourself going online frequently to scout out Richmond homes for sale and dreaming, it's time to start thinking about turning that dream into reality. If you can already afford a monthly rent payment and your credit is in good shape, a mortgage may be more within reach than you expect.

  2. Family on the Way
    Whether you're transitioning from single to married life or expecting a child, sometimes life changes are the perfect motivation to move from renting to owning. Maybe you want additional space to accommodate a family or a place to settle down in a great school district. Either way, it may be time to buy.

    Click Here to Read More...

September
23

Personalized Offer Letters - Joyner Fine Properties

After days, weeks, or even months of browsing Richmond homes for sale, you've found the perfect house for you. Research and diligence have placed you in the best position to take the next steps — submitting an offer.

Click Here to Read More...

September
16

Moving to a New Town - Joyner Fine Properties

Moving to a new city is an exciting experience, but that doesn't mean you'll instantly feel at home. It's only natural to have an adjustment period after moving to a new town. Getting to know your new city can be a fun, exciting process, and there are plenty of little things you can do to make your new town feel like home along the way. Our real estate agents understand what it's like to move to a new community, and we've got tips for how to make a new town feel like home.

Click Here to Read More...

May
30

Buying a house should never be entered into lightly, and often many potential buyers may not realize just how much work it actually takes or the process involved. Doing as much research as possible can help determine exactly what is needed and required, to put a buyer in the best possible position to make a purchase.

Here are ten (10) great ways to help you identify the point at which making a home purchase becomes feasible for you:

1) Little to no credit card debt

When you're trying to get a mortgage, perhaps the most important aspect of doing so is getting your credit card debt reduced as close to zero as possible, according to Money Under 30. That's true for two reasons. First, the size of your credit card balances relative to your limits makes up a significant portion of your credit score. Second, lenders look at debt-to-income ratio. As long as you're carrying relatively small balances from one month to the next (or ideally, not carrying a balance at all), you'll be in good shape.

2) All other loans paid off

One of the biggest hurdles for the millennial generation when it comes to being financially capable of buying a home is student loans. It may not be wise to try to buy until your loan balances under control. That doesn't mean they have to be paid off in full, but they certainly need to be somewhat small relative to your income.

3) Tens of thousands of dollars in savings

Ready to buy?If you're trying to buy a home in today's market, you'll almost certainly need to make a sizable down payment. While it's possible to get mortgages with down payment requirements as low as 3 percent, the added long-term expense could end up costing you significantly over the life of the loan. Making as large a down payment as possible is going to keep your borrowing costs down.

4) A rainy day fund

In addition to the money that will go toward your down payment, it's vital to have some additional money saved just in case something goes wrong with the home, according to Mint. As a general rule, having about $1 per square foot - or 1 percent of the purchase price - in the bank will help cover some basic expenses you're likely to encounter after your home purchase.

5) A long-term plan

Whether you're buying a home for a whole family or as a single person, you need to know what your situation is going to look like two, five, 10 or even 20 years down the road. That will inform a lot of decisions about the kinds of homes you're looking to purchase - i.e. not buying a small one that you'll have to move out of in a few years when you have kids - and how much work you'll have to put in to make sure your finances are in good enough shape to do so.

6) Reliable income

Lenders also want to make sure you're going to be able to keep up with your mortgage payments in the long term, so a steady job is a must, according to Credit Sesame. While no one can predict their employers' future with 100 percent accuracy, it might not be a good idea to go house hunting at a time of turmoil. As long as you're fairly confident in your position, shopping should be no problem.

7) A comfortable cushion

One issue some homeowners encounter after buying a home is they've pushed themselves so far financially trying to get ready for the real estate sales process that they come out the other side in rough financial shape. Being "house poor" means people own a house but otherwise struggle financially because of the cost of that property. You'll need to make sure you're not buying too much house or else risk running into other financial problems even if you can technically afford the mortgage and other costs.

8) An understanding of what constitutes affordability

Along similar lines, it's vital to not only factor in the cost of the mortgage, taxes and so on themselves, but also other expenses. This may include higher electric and heating bills that come with living in a bigger space, more costly insurance coverage (especially if your new home is in an area prone to flooding) and so on. Sitting down and doing the math around the true cost of homeownership will help you avoid being house poor or running into expenses you might not have realized will crop up

9) A list of must-haves and nice-to-haves

When people actually start shopping for homes, it can be easy to fall in love with certain properties, according to Forbes. However, while it would be nice to have a state-of-the-art kitchen with stainless steel appliances, it's probably going to be expensive and not necessary to your happiness in the home. Having a list of things that you will absolutely need out of your new property - big backyard for the kids, finished basement for a home office, etc. - will inform your choices and help you get a better idea of what you can actually afford.

10) A talented and experienced agent

The key role of real estate professionals in every portion of the process cannot be overstated. They will be able to help first-time buyers as well as those who have previously been through the process get as prepared as possible so they can maximize their understanding and the value they get out of buying a home. Experienced agents have likely seen it all and can help shepherd any client through a sale - as either buyers or sellers - with ease.

 

Buying a home is usually going to be the biggest purchase anyone makes in their entire lives, so it's important to put in a lot of legwork - over a period of months or more - to ensure things go as smoothly as possible at each step of the shopping process. That, in turn, will help you feel more confident in your ability to make a purchase with confidence that you've done everything right. 

 

Brought to you by HMS Home Warranty.  HMS is an industry leader with over 30 years of creating success for clients and providing peace of mind for customers.  To learn more click

www.hmsnational.com

March
25

Home Buying for Couples

If you and your spouse have started researching Richmond homes for sale, you might have noticed that you have different tastes. Whether it's the size, location, or style of home, there's a good chance that you'll need to compromise on some things. Since your home is one of the single largest investments you'll ever make, it's important to make sure you'll both be happy in the long run.

Getting on the same page before you start home shopping will save you a lot of headaches. The last thing you want is to end up in a stalemate that causes you to miss out on a great buying opportunity, or, even worse, make a purchase that you later end up regretting.

Our REALTORS® have plenty of experience in working with couples to help them find a home that's perfect for both of them. Here are some of their best tips to help you get started.

  • Make Separate "Must Have" Lists
    One of the best ways to come to a compromise is to figure out which things you and your spouse agree on. To do this, each of you should make a list of 10 things that are "must-have" features, and 10 "wish list" items. It's best if you make these lists completely separately and compare them only when you're done. 

    Once you've come up with at least a few items that you have in common, you can use this is a basis to start narrowing down your options. When you come across a home that has at least some of the features you both want, you'll find that compromising on other points gets much easier.

    Click Here to Read More...

Login to My Homefinder

Login to My Homefinder