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The Advantage of Getting Pre-approved

January 18, 2015

mortgage-approvedOne of the best things you can do to ensure you get the home you want is to arrange for financing before you go shopping. This is often referred to as getting “pre-approved”.

Getting pre-approved simply means that your lender has calculated how much of a mortgage they’re willing to offer you, depending on your down payment and current financial situation.

There are two advantages to having a pre-approved mortgage. First, you know exactly what you can afford when shopping for a new home. Second, when you make an offer, you’re likely to be taken more seriously.

Filed Under: Buying Preparation

The Advantage of Getting Pre-approved

January 18, 2015

mortgage-approvedOne of the best things you can do to ensure you get the home you want is to arrange for financing before you go shopping. This is often referred to as getting “pre-approved”.

Getting pre-approved simply means that your lender has calculated how much of a mortgage they’re willing to offer you, depending on your down payment and current financial situation.

There are two advantages to having a pre-approved mortgage. First, you know exactly what you can afford when shopping for a new home. Second, when you make an offer, you’re likely to be taken more seriously.

Filed Under: Buying Preparation

Does Location Really Matter?

January 13, 2015

locationYou find a beautiful home available on the market, but you’re not so sure about the location. Does it really matter all that much? Yes, it does. That’s why you’ll often hear REALTORS® say, “Location, location, location.”

The location of a home you’re considering buying will affect you in two ways.

First, it will affect the property’s future resale value, especially if the neighbourhood is becoming less desirable.

Second, it will affect your lifestyle. If the area doesn’t have the features you want — nearby schools and playgrounds, walking trails, proximity to activities that interest you, such as golf or theatre — you probably won’t enjoy living there.

A good REALTOR® will help you find the right home in the best location for you.

Filed Under: Buying Preparation, Properties

The Benefits of a Pre-Sale Inspection

January 8, 2015

home-inspectionYour home probably has dozens of great features that are going to help it stand out and sell faster. Perhaps it has a cozy sunken living room? Or an equipped and smartly decorated kitchen that Rachel Ray would envy? Or a location in a desirable neighbourhood?

All these things will help.

But there’s another selling feature you should consider adding: a pre-sale inspection.

A professional home inspection is usually done on behalf of the buyer before the deal to purchase a property is finalized. In fact, you can expect any offers to purchase your home to be “conditional upon satisfactory home inspection.” However, there are two good reasons why you, as the seller, should get the home inspection done:

Reason #1

A professional inspection can identify problems that might otherwise thwart the sale.

Say, for example, you get a great offer but the buyer’s home inspector discovers a minor leak in the foundation. That might be enough to jeopardize the deal. However, if you had a professional inspection done, you would have had the opportunity to get that problem fixed in advance of the offer.

Reason #2

Informing potential buyers that a professional inspection has been done is a great selling feature. It demonstrates to buyers that there are no hidden problems with the property, which gives them more confidence to make an offer.

A certificate of home inspection can be as enticing a feature to home buyers as a wrap-around deck!

Need more ideas for selling your home faster and for a better price? Call today.

Filed Under: Buying Preparation, Fixer Uppers, Uncategorized

Five Crucial Home Selling Decisions if You Want to Sell in 2015

January 2, 2015

If you’re planning on selling your home in 2015 there are five crucial decisions that can help you maximize your sale price, get your home sold quickly and do it all without the mountain of stress that often comes with the sale of your home.

  • Decision #1 – Decide to prepare sooner than later. Home sellers who wait until spring to get their home “ready” are already behind the curve. The real estate year is in full swing by March 1st and homes that sell quickly and for top dollar during the “selling season” are the homes where the owner had a plan, got their home ready, staged, and listed early in the year.
  • Decision #2 – Decide to prepare yourself emotionally. Selling your home can be very emotional. When you receive an offer for less than you think your home is worth, it generates a whole host of negative emotions. You can feel angry, frustrated, and think everyone is trying to steal your home from you.
    Well, they’re not. Buyers just want to know they’re getting the best price. We all feel similar when we make a big purchase. So be careful to manage your emotions. And if you get a “low-ball” offer rely on the help of a trusted professional. A good agent can often gently negotiate the price into a range where everyone wins. The key is to keep your emotional swings in check
  • Decision #3 – Be realistic and price your home accordingly. One of the big keys to getting your home sold quickly, for the most money, is pricing it correctly. If you price your home too high, thinking you’ll “test the market,” it can be costly. Your home can sit on the market too long and get labeled as a “no-need-to-show” because you’re viewed as being unrealistic.
    You see it all the time. Sellers think they are going to “hold out” and get a better price. Well, you need to consider how soon you want to sell? The reality is you can get just about any price you want if you’re willing to wait long enough. If you wait 5-7 years your home will very likely sell for a more than it will today. But if you want to sell in 90-120 days for top dollar, pricing is a crucial issue that you should discuss at length with a trusted real estate professional.
  • Decision #4 – Reconcile reality quickly. This is somewhat similar to decision #2, but it’s actually more practical and actionable. Emotions can be hard to define and control, like in point #2. But what is fairly easy to judge is your market’s numbers, and the realities of value.
    Agents always hear things like, “But my home has this, this and this. Therefor it should be worth a lot more.” In theory that’s somewhat true. However, the reality you have to be prepared to reconcile is, if people won’t pay more for those things, it doesn’t make your home worth more.
    Now don’t get me wrong. I’m not trying to soften you up so you give your home away. The goal is to help you get the highest possible price, in the shortest time, with the fewest hassles. But something that’s very important to deal with is reality, not wishful thinking. Wishful thinking backs tens of thousands of home sellers into very difficult positions every year.
    Having a clear objective view of reality, as well as a trusted professional to help guide you through the emotional ups and downs, can help you avoid a massive mountain of emotional stress, while your home just sits on the market.
    My encouragement is, prepare yourself for the true realities, while maintaining high standards throughout the process. It’s a balancing act that with the help of a trusted professional can be far easier to navigate.
  • Decision #5 – Trust your gut. When interviewing agents there are few things more important than a deep level of trust between you and the agent you choose to
    represent you. And trust comes in two crucial parts. The first is professional competency. To trust someone with what is likely the single biggest financial transaction of your life, you need to have confidence that the agent you choose has the skills, technology and ability to fight hard and win what’s in your best interests. That’s why choosing someone just because they’re a “friend of the family” isn’t always the best choice.
    The second layer of trust is personal. When you work with someone on something as important as the sale of your home, you need to know you can trust that person personally.
    You need to feel a deep sense of confidence that your agent puts your needs in front of their own. It’s not about flash and glitter, or how many homes that agent sold. What’s important is, “Can I trust this person with my financial future?”
    That’s where “listen to your gut” comes in. most of us can sense authenticity and integrity. It comes out in many ways and generally when you’re in the presence of it you know in your gut. Sometimes the person might be a little quirky, other times they’re not, but again it’s not about flash and charisma.
    The bottom line, choose someone you trust on both a professional and personal level and “go with your gut.”

I hope you found these suggestions helpful. Selling your home is a life altering series of decisions. The better prepared you are to make those decisions effectively, the better the end result.

Filed Under: Buying Preparation

Five Crucial Home Selling Decisions if You Want to Sell in 2015

January 2, 2015

If you’re planning on selling your home in 2015 there are five crucial decisions that can help you maximize your sale price, get your home sold quickly and do it all without the mountain of stress that often comes with the sale of your home.

  • Decision #1 – Decide to prepare sooner than later. Home sellers who wait until spring to get their home “ready” are already behind the curve. The real estate year is in full swing by March 1st and homes that sell quickly and for top dollar during the “selling season” are the homes where the owner had a plan, got their home ready, staged, and listed early in the year.
  • Decision #2 – Decide to prepare yourself emotionally. Selling your home can be very emotional. When you receive an offer for less than you think your home is worth, it generates a whole host of negative emotions. You can feel angry, frustrated, and think everyone is trying to steal your home from you.
    Well, they’re not. Buyers just want to know they’re getting the best price. We all feel similar when we make a big purchase. So be careful to manage your emotions. And if you get a “low-ball” offer rely on the help of a trusted professional. A good agent can often gently negotiate the price into a range where everyone wins. The key is to keep your emotional swings in check
  • Decision #3 – Be realistic and price your home accordingly. One of the big keys to getting your home sold quickly, for the most money, is pricing it correctly. If you price your home too high, thinking you’ll “test the market,” it can be costly. Your home can sit on the market too long and get labeled as a “no-need-to-show” because you’re viewed as being unrealistic.
    You see it all the time. Sellers think they are going to “hold out” and get a better price. Well, you need to consider how soon you want to sell? The reality is you can get just about any price you want if you’re willing to wait long enough. If you wait 5-7 years your home will very likely sell for a more than it will today. But if you want to sell in 90-120 days for top dollar, pricing is a crucial issue that you should discuss at length with a trusted real estate professional.
  • Decision #4 – Reconcile reality quickly. This is somewhat similar to decision #2, but it’s actually more practical and actionable. Emotions can be hard to define and control, like in point #2. But what is fairly easy to judge is your market’s numbers, and the realities of value.
    Agents always hear things like, “But my home has this, this and this. Therefor it should be worth a lot more.” In theory that’s somewhat true. However, the reality you have to be prepared to reconcile is, if people won’t pay more for those things, it doesn’t make your home worth more.
    Now don’t get me wrong. I’m not trying to soften you up so you give your home away. The goal is to help you get the highest possible price, in the shortest time, with the fewest hassles. But something that’s very important to deal with is reality, not wishful thinking. Wishful thinking backs tens of thousands of home sellers into very difficult positions every year.
    Having a clear objective view of reality, as well as a trusted professional to help guide you through the emotional ups and downs, can help you avoid a massive mountain of emotional stress, while your home just sits on the market.
    My encouragement is, prepare yourself for the true realities, while maintaining high standards throughout the process. It’s a balancing act that with the help of a trusted professional can be far easier to navigate.
  • Decision #5 – Trust your gut. When interviewing agents there are few things more important than a deep level of trust between you and the agent you choose to
    represent you. And trust comes in two crucial parts. The first is professional competency. To trust someone with what is likely the single biggest financial transaction of your life, you need to have confidence that the agent you choose has the skills, technology and ability to fight hard and win what’s in your best interests. That’s why choosing someone just because they’re a “friend of the family” isn’t always the best choice.
    The second layer of trust is personal. When you work with someone on something as important as the sale of your home, you need to know you can trust that person personally.
    You need to feel a deep sense of confidence that your agent puts your needs in front of their own. It’s not about flash and glitter, or how many homes that agent sold. What’s important is, “Can I trust this person with my financial future?”
    That’s where “listen to your gut” comes in. most of us can sense authenticity and integrity. It comes out in many ways and generally when you’re in the presence of it you know in your gut. Sometimes the person might be a little quirky, other times they’re not, but again it’s not about flash and charisma.
    The bottom line, choose someone you trust on both a professional and personal level and “go with your gut.”

I hope you found these suggestions helpful. Selling your home is a life altering series of decisions. The better prepared you are to make those decisions effectively, the better the end result.

Filed Under: Buying Preparation

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As a first time home buyer I was so happy to work with Fiona.
I was searching for a place for a year and she never pressured me, and throughout was patient and exceptionally professional.
She assured me that the right property would pop up, I continued to look at all the listings she would send me thru her client focused newsletter. Finally I found a place and although the price was higher than I was hoping she fought and went way out of her way to fit it in my budget.

I can't say enough wonderful things about her, I personally have friends that are realtors but Fiona by far out shines them in her knowledge of the market, her wonderful pleasant character and her genuine work ethics

Thank you for making it all happen for me!!!!

Ricky Reddy

Fiona Bratvold I am now following my dream of being a real estate professional, helping people find the house of their dreams all over the Lower Mainland of BC

Call Me: 604-831-0099

Team 3000 Realty Ltd MSL Medallion Club Member - top 10% in BC Great Vancouver Real Estate Board

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