Feng Shui Your Space for Optimal Home Staging

ShareFollow Us!Become one with your inner home stage-er, or something like that. Home staging is a good way to make your room come alive, and give a room personality that could mirror you as a person. Home Staging to Bring Your Room Together The best way to organize and stage your home is to try […]

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10 Innovative Ways to Sell My Home Fast

We all know that real estate is a pain in the butt, and selling your home can become a hassle, but it doesn’t HAVE to be. Selling your home can be tricky at times, but there are some loopholes that can really push your home to be sold in no…

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The post 10 Innovative Ways to Sell My Home Fast appeared first on Selling Your Home With Social Media.

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Why the Baby Boomer Generation Is Still Booming in the Real Estate Market

It’s true, believe it or not. We’re guessing the real estate market is still so vibrant as mentioned here that even baby boomers from back in the ’80s and ’90s are still very much active when it comes to home buying. And they should be. Prospects are good. Why not take advantage of it?

There Are Four Aspects of This Market for Baby Boomers to Keep in Mind, Though

It’s not just about your age. Or the fact that you have a big salary with a career you’ve held down for a decade or more. Rather these bits can prove that you are, in fact, a baby boomer booming in the real estate market:
Just by these facts, you can tell that age isn’t necessarily what makes a baby boomer.

There’s so Much More to It Than That

While the term “baby boomer” represents a higher birth rate of kids sprouting out like fish eggs and an explosion of opportunities both on the job side as well as the business side, there’s no doubt that being a baby boomer in the real estate market means that much more. They may be an older generation — but they certainly still act young. Learn more about the other home buyer demographics as well right here!
Either way we look at it, that’s great for the real estate market.

The post Why the Baby Boomer Generation Is Still Booming in the Real Estate Market appeared first on "H.O.P.E. To Own" your Own Home!.

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Avoiding Cabin Fever by Enjoying the Outdoors

Whether you’re in a mansion or a cabin, follow this basic rule of thumb: always try to get outside! Enjoy the sun. Enjoy the air. After all, your body needs that oxygen! What happens when you don’t get those basic necessities: cabin fever.

The Scientific Study of “Cabin Fever”

Yes, this is a real thing. Not a movie. Not anything involving issues with “The Purge” and some apocalyptic universal one-day-in-a-year-crime-is-legal mentality. There have been cases of people going basically stir crazy in their homes due to a claustrophobic reaction resulting from isolation and small spaces (something to watch out for in a tiny Maine house? Maybe not.).
Interestingly enough, this phenomenon called “cabin fever” first recorded and studied back in 1838 isn’t so much about the space as it is the options available to pass the time away. When you think about it like that, the extreme irritability, paranoia and restlessness typical of someone suffering from cabin fever’s a no-brainer as far as the antidote — you need to get out, man!
Walk out of the door. Into the sunshine. And explore, for crying out loud. After all, the outdoors even benefit marketing campaigns, and that’s for people who are actually at work! We humans were meant to be outside; just ask Adam and Eve.
This doesn’t mean, though, that you can’t live on a boat, or a cabin, or a small mobile home for a lengthy period of time. You can. You just need to bring the outdoors into your daily living as well. The tiny isolated home you live in then just becomes an extension of your lifestyle.
This largely is supported by the fact that you can still go stir crazy even in a massive mansion (I’d venture to say that you can go crazier with all that space).

Home Isn’t Just a ‘House’

You, therefore, when approaching the H.O.P.E. Program for the prospect of getting a zero-down mortgage, don’t worry so much about square footage. Just a thought. Think function versus trend or satisfaction. Happiness comes from within, and then with that happiness, you make the home. You don’t make the home with an in-ground pool, trendy curb appeal, and a spiffy mailbox (although that could help a little, I guess).
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What Kind of Mortgage Down Payment Are You Looking For? It Might Depend on the State You’re In!

They’re called mortgage trends, friends. Do the research here. Of course, we’re noticing that there’s one major trend going on in the real estate market, and that’s the higher down payment, but perhaps you might want to stick with something lower. That’s okay. Want to know why?

You Have a Budget, and While Down Payments All Over Are Increasing, Some States Are Still Lower Than Others

It, therefore, would be a good idea to take a good look at which states are averaging higher (or lower). We know that there are undoubtedly good reasons for offering that higher down payment for a home purchase. But if the budget’s not there, what do you do? Expand your possibilities to the states that do match your bottom line, right here:

These States Reported the Lowest Down Payment Averages in the U.S.

What About the States With the Highest Down Payment Average?

The Question Is This: Where Do You Want to Live?

Don’t you just love all this information? Hopefully this will help you in the decision you need to make. You need a home, right? Sign up today and get started with finding the right home in the right state for you.
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7 Dynamite Divorce Tax Options to Minimize the Damage

As if divorce wasn’t hard enough. Let’s throw taxes into the mix and make it like lemon juice on the wounds. The last thing divorce couples want to ever think about is money; except oftentimes that issue of money becomes the primary agenda. Why? Divorce is a divide — not just of family, kids, and […]

The post 7 Dynamite Divorce Tax Options to Minimize the Damage appeared first on THE INCOME TAX PLANNING NETWORK.

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Divorced Couples Living Together: It Does Happen! (For Tax Reasons)

Think about the future here. Let go of the animosity (especially if you have kids!), because sometimes while the pain and tumult of divorce can be overwhelming, sometimes the money issues, especially with the house, can hurt even more! Something you honestly don’t want….

You Might Be Divorcing Your Spouse, But Try Not to Divorce Your Entire Life

Might be asking much, but when it comes to your taxes, you have an option here (as crazy as it may be). You can live in the home together. Promote stability. Be civil. Care. This also keeps all tax obligations amicable and mutual, neither side benefiting or hurting more than it should.
And here’s the bonus: you get more bonus tax advantages when you do eventually sell the home!
Also do keep in mind that just because you also own the home, doesn’t mean you always have to technically live there either. However, your mail will continue to arrive at that house. So make sure the ex-spouse realizes that and doesn’t shred the material every time he/she sees your name.

It’s the Simplest Way to Get Taxes Figured Out About the House

But it’s not for the faint of heart. Talk to a consultant with the Income Tax Planning Network about it some more and see if this may be an option for you. Check out this guide on taxes during a divorce as well for more possibilities. Because, remember: it’s just a house.
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One Thing to Know About the USDA Mortgage Loan: Take a Look at Your Income

Don’t get us wrong, though: the USDA mortgage is quite the secret in the real estate market. Just check this article out for yourself. If there was a way for someone to get a home loan approval fast and easy, it would be the USDA. But there are certain guidelines to keep in mind.

Keep an Eye on Your Income and Your Debt

It’s called the debt-to-income ratio. How much debt do you have? Is it ruining your credit? Do you need Lexington Law or Independent Credit Solutions to help you through those muddy waters? Good. Do it. But bear in mind that if the debt, plus the mortgage amount, just happens to be over 31% of your actual monthly income, the specific loan might be a no for you.
The VA program, another mortgage program out there, sticks to the similar rule: 41% is their measuring stick. Jumbo mortgage loans, the conventional ones, however, tend to stick to lower ratios overall given the assumption that when you take out a home loan, you’re entrusted to pay it every month despite whatever debt you already have.

And That’s What the Mortgage Guideline Is For:

It’s to protect you from buying a home that might be too expensive. When debt continues to drown you out, foreclosure commences. That’s something this real estate market won’t want given the growth we’re seeing in down payment averages and home prices.
So what should you do? Get on the right path, and without a doubt, the USDA mortgage loan might be your best bet, because it has plenty of benefits! Clean up your debt. Fix your credit. Sign up with the HOPE Program.
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The Great Barrier Reef: the Next Trendy Color for the Kitchen?

ShareFollow Us!You might think we’ve seen just about every color in the spectrum when it comes to a color for the kitchen. Not so. Consider this: there are numerous colors shades in the spectrum as evidenced by one Christian Grey and his “fifty shades,” but who knew you could use this color for the kitchen? Coral […]

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Why Repairing Your Credit Score Is Like Throwing a House Party

ShareFollow Us!You’ve been there, haven’t you? Now I know we’re still a ways away in this year from graduation days, but just go back in time for a bit: you were a senior in high school, and your entire class just graduated, tossing the caps and tassels in the air with a big hurrah. You […]

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