Cathy Stewart - KELLER WILLIAMS REALTY / Merrimack Valley | 978-270-2280 | cathystewart@kw.com


Posted by Cathy Stewart on 10/23/2018

The homebuying journey may seem daunting at first. Lucky for you, we're here to help take the guesswork out of finding and acquiring your dream house.

Now, let's take a look at three tips to help you approach the homebuying journey with poise and confidence.

1. Be Diligent

A diligent homebuyer may be better equipped than others to enjoy a seamless and successful property buying experience. In fact, this buyer likely will do whatever it takes to find the right house at the right price, regardless of the current real estate market's conditions.

To become a diligent homebuyer, it generally is a good idea to learn about the housing market in your preferred cities and towns. With this information, you can determine whether you're pursuing a home in a buyer's or seller's market and plan accordingly.

Furthermore, it may be beneficial to get pre-approved for a mortgage. If you enter the housing market with a mortgage, you'll know exactly how much you can spend to acquire your dream house.

2. Know Where You Want to Go

Establish homebuying criteria you'll be glad you did. If you know what differentiates your dream house from others, you can quickly and effortlessly search for residences that match your expectations.

Also, you may want to hone your home search to specific cities and towns. For example, if you want to find a house close to your office in the city, you may want to explore residences in or near the city itself. On the other hand, if your goal is to buy a house near the top schools in a particular state, you should narrow your house search based on school rankings and other pertinent data.

3. Work with a Real Estate Agent

Buying a house is no small feat, and ultimately, there is no reason to try to navigate the homebuying journey alone. Thankfully, you can hire a real estate agent who can provide expert support throughout the homebuying journey.

A real estate agent is a must-hire, and for good reason. He or she will guide you along the entire homebuying journey and respond to any of your homebuying concerns and questions. In addition, a real estate agent offers recommendations and suggestions to help you make informed decisions as you pursue your dream residence.

Usually, a real estate agent will learn about your homebuying goals and craft a personalized homebuying strategy for you. He or she next will keep you informed about available residences that meet your criteria and set up home showings. Once you find your dream residence, a real estate agent will help you put together a competitive offer to acquire this house. And if your offer receives a "Yes" from a home seller, a real estate agent will help you finalize your house purchase.

Ready to streamline the homebuying journey? Use the aforementioned tips, and you can kick off a house search and discover your ideal residence in no time at all.




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Posted by Cathy Stewart on 10/16/2018

Purchasing a house on a budget can be difficult for even the most diligent property buyer. Lucky for you, we're here to help you create an effective homebuying budget and reduce the temptation to spend beyond your means to acquire your ideal residence.

Now, let's take a look at three tips to help you craft a property buying budget.

1. Examine Your Finances Closely

Your income, everyday expenses and other financial factors may impact your ability to buy a house. Therefore, you should analyze your finances closely to determine how much you can spend on a residence.

Once you evaluate your finances, you can establish a price range for your home search. Next, you can kick off a house search and move one step closer to acquiring your dream house.

2. Get Your Credit Score

Your credit score is a three-digit number based on your outstanding debt, length of credit history and other factors. It may have a major impact on your ability to secure home financing and establish a successful homebuying budget. As such, you should review your credit score and work to improve it before you enter the housing market.

To obtain your credit score, you can request a copy of your credit report from each of the three reporting bureaus (Equifax, Experian and TransUnion). You are eligible to receive a free copy of your credit report annually from each credit reporting bureau. Thus, you should take advantage of this complimentary perk and obtain your credit report as soon as you can.

If you identify outstanding debt on your credit report, you should work to pay this off. Or, if you find errors on your credit report, you should contact the bureau that provided the report to fix these mistakes.

3. Meet with Lenders

Banks and credit unions are happy to meet with you to discuss various home financing options. If you consult with these lenders, you may be better equipped than ever before to create a successful homebuying budget before you launch a house search.

Ultimately, lenders can help you get pre-approved for a mortgage. If you get a mortgage prior to searching for a house, you'll know exactly how much you can spend on a residence. Then, you can speed up your home search and discover your dream house faster than ever before.

As you get ready to begin your quest for your ideal residence, you may want to hire a real estate agent too. This housing market professional can put you in touch with top lenders in your area and help you secure home financing. Furthermore, a real estate agent can tailor a home search to your property buying budget. Perhaps best of all, a real estate agent will help you negotiate with a seller's agent to ensure you can get the best price on any home, at any time.

Create an effective homebuying budget use the aforementioned tips, and you can establish a property buying budget and use it to streamline your home search.




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Posted by Cathy Stewart on 8/7/2018

For homebuyers, it is paramount to remain patient as you explore the real estate market. At the same time, it is important to understand that the real estate market moves quickly. Thus, if you wait too long to submit an offer on a house, you could miss out on your dream home.

Lucky for you, it is easy to prepare to buy a house in a fast-paced real estate market here are three tips to ensure that you can do just that.

1. Make a Competitive Offer

If you find a house that you like, don't wait to submit an offer on it. Instead, submit a competitive offer from the get-go, and you may be able to secure your ideal home immediately.

An informed homebuyer is a smart shopper who understands what a "competitive" offer means for both a homebuyer and home seller. Ultimately, a homebuyer who assesses the condition of a property and the current state of the real estate market should have no trouble submitting a competitive proposal.

2. Track the Housing Market Closely

As a homebuyer, you'll want to stay up to date on new homes as they hit the real estate market. By doing so, you'll be better equipped than other homebuyers to check out these properties and find houses that match your budget and lifestyle perfectly.

New homes become available daily, so be sure to track properties online. Also, if you understand exactly what you want from a residence, you can narrow your search and improve your chances of finding a home that suits your needs.

3. Work with a Fast-Paced Real Estate Agent

When it comes to purchasing a house in a fast-paced real estate market, there is no need to leave anything to chance. Fortunately, you can hire a real estate agent who can help you discover your dream home quickly and effortlessly.

A fast-paced real estate agent will go above and beyond the call of duty to assist you. As such, this real estate professional will set up home showings and keep you informed about new properties as they become available. Plus, your real estate agent is happy to negotiate with home sellers on your behalf and ensure that you can purchase your dream home at a price that matches your budget.

Perhaps best of all, even a fast-paced real estate agent will slow down the homebuying process as needed. If you ever have concerns or questions about buying a house, your real estate agent will respond to your queries without delay.

Hiring a trusted real estate agent can make a world of difference for homebuyers in a fast-paced housing market. In fact, with a top-notch real estate agent at your disposal, you can browse the housing market closely and accelerate the process of finding your dream house.

Although the real estate market may fluctuate constantly, homebuyers who plan ahead will be able to simplify the process of acquiring exceptional properties. And if you use the aforementioned homebuying tips to your advantage, you can boost your chances of obtaining your dream home in a fast-paced housing market.




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Posted by Cathy Stewart on 5/29/2018

Are you in a hurry to acquire a deluxe residence as soon as possible? Ultimately, you'll need to prepare accordingly to ensure you can beat dozens of homebuying rivals as you search for the perfect house.

Now, let's take a look at three tips to help homebuyers accelerate the property buying journey.

1. Track the Housing Market Closely

A diligent homebuyer will monitor the housing market and keep track of new houses as they become available. By doing so, this property buyer will be better equipped than others to pounce on an opportunity to purchase a top-notch house at a budget-friendly price.

Also, a homebuyer should consider getting pre-approved for a mortgage. With a mortgage in hand, a homebuyer can enter the real estate market with a clear understanding of how much he or she can spend on a house. Then, this homebuyer can map out his or her house search.

2. Don't Hesitate to Submit a Competitive Offer

If you walk through a home and feel comfortable with the residence, don't wait to submit a competitive offer on it.

Remember, the early bird catches the worm. And a homebuyer who waits too long to submit a competitive offer on a residence risks losing it to a rival.

To define a competitive offer, consider the current asking price for a residence as well as the prices of comparable houses in the same city or town. This housing market information will help you understand how one house stacks up against another and ensure you can submit a data-based homebuying proposal.

Furthermore, look at how long a home has been available. If a house has been on the market for several months, a property seller may be more likely to accept an offer that falls under his or her initial asking price.

3. Work with a Real Estate Agent

For those who want to relocate to their dream home in the near future, hiring a real estate agent is a must.

A real estate agent understands what it takes to discover a terrific house that won't force you to break your budget. As such, he or she will work with you throughout the homebuying process and ensure you can get the best results possible.

Typically, a real estate agent will set up home showings, negotiate with home sellers on your behalf and much more. This housing market professional will even allocate the necessary time and resources to learn about your homebuying goals and help you achieve these aspirations in any way possible.

Let's not forget about a real estate agent's active listening skills, either. A real estate agent will listen to your homebuying concerns and questions and is happy to respond to them at any time. That way, you can receive expert guidance as you navigate the homebuying process.

Ready to speed up the homebuying journey? Use these tips, and you can boost your chances of acquiring a wonderful residence at a price that matches or exceeds your expectations.




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Posted by Cathy Stewart on 2/6/2018

Ready to enjoy a successful homebuying experience? Ultimately, becoming a resourceful homebuyer will make it easy to transform your homeownership dream into a reality.

A resourceful homebuyer possesses the skills and know-how needed to streamline the property buying cycle. Plus, this homebuyer will be better equipped than others to maximize the time and resources at his or her disposal and speed up the process of going from homebuyer to homeowner.

Now, let's take a look at three tips that you can use to become a resourceful homebuyer.

1. Know What You Want from a Home

You know that you'd like to own a house, but what are you looking for in your dream residence? As a resourceful homebuyer, you'll know exactly what you'd like to find in the perfect home. That way, you can narrow your home search.

Creating a checklist of dream home "must-haves" usually is a great starting point for a resourceful homebuyer. This checklist will enable you to determine what features you want in your ideal residence.

In addition, keep in mind that every house has its pros and cons. And if you set realistic homebuying expectations from the get-go, you'll be able to boost your chances of finding a home that can serve you well for years to come.

2. Take Advantage of Housing Market Data

There is no shortage of housing market data available. With this information in hand, you should have no trouble entering the housing market with the resources that you need to succeed.

Examine the prices of available houses in cities or towns where you'd like to live. By doing so, you can better understand how much it will cost to acquire your dream residence.

Also, check out the prices of recently sold houses in areas that you're considering. This housing market data will help you differentiate between a buyer's market and a seller's one and ensure you can map out your homebuying journey accordingly.

3. Collaborate with a Real Estate Agent

Even a resourceful homebuyer knows his or her limitations. Luckily, real estate agents are available nationwide, and these housing market experts can help homebuyers fill in the gaps along the property buying journey.

A real estate agent understands the ins and outs of purchasing a great home at an affordable price. This housing market professional will set up home showings for you, keep you up to date about new residences as they become available and negotiate with property sellers on your behalf. Furthermore, he or she is happy to respond to any homebuying concerns and questions at any time.

Let's not forget about the confidence that a real estate agent provides to a homebuyer, either. A real estate agent will help you seamlessly navigate the property buying journey. Thus, he or she will simplify the process of acquiring a top-notch residence that matches or exceeds your expectations.

Start your homebuying journey today use these tips, and you can become a resourceful property buyer.




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