When we were still kids, chances are we sketched our dream home as a square building with a rectangular door, a few windows, a triangle roof with a chimney, and a large yard with flowers and trees enclosed by a white fence.  But when you enter the housing market as a prospective homeowner, you will find that you have many options for your possible dream abode. Real estate listings often include cozy condominiums, lovely townhouses, and of course, the single-family homes you pictured when you were younger. Let's look at the definition of this type of residential property, its pros and cons, and whether it is the type of home that best suits you.   While it seems self-explanatory, in legal terms, a single-family home is a structure maintained and used as a single dwelling unit. It is a freestanding dwelling set alone on its own piece of property.  The U.S. Census Bureau, on the other hand, states that single-family housing units can be fully detached or semi-attached, side-by-side structures such as row houses, duplexes, and even townhouses.  In general, a dwelling should have these characteristics to be classified as a single-family home: No common walls: This home is a stand-alone, detached property that does not share common walls, roofs, or any spaces with any other dwelling. Land: Single-family homes sit on their personal parcel of land, and the area around the building is for the owners private use.  Access to property: It has dedicated private entrances and exits and has direct access to the street or thoroughfare. Systems and Utilities: Only one set of utilities can service a single-family home and not be shared with other dwellings. This rule includes heating and AC systems, electricity, water, and other essential services. One owner: This home is built as the residence for one family, person, or household and is owned and maintained by the homeowner. Single kitchen: Last but not least, single-family homes only have one full kitchen. The definition of a full kitchen is as having an oven and stovetop. Although some may have kitchenettes, adding another full kitchen will alter the zoning classification.   1. More privacy and less noise Since a home like this is built on its individual slice of land and does not share walls, you will have some distance from your neighbors, giving you a high level of privacy. And while there's always the possibility of having a noisy neighbor, the noise levels are substantially a lot less when you don’t have housing directly over or under your living space. You don’t have to worry as much about disrupting anyone if you want to crank up the music a little bit or vacuum late at night.   2. Space Since single-family homes are typically bigger than multifamily dwellings, they also have more storage space. Whether that means more interior space, such as a spacious kitchen, more bedrooms, a basement, an attic, or exterior storage spaces, such as a garage, or shed, it certainly gives more elbow room to its occupants. You also have a yard that's yours alone, with a patio or a porch as a great selling point. You can also install other outdoor features like a swimming pool, a swing set, or a fire pit, as long as your municipality allows it.    3. Offers more freedom and flexibility Homeownership, especially that of a single-family home, provides more freedom and flexibility in general. It's easier to modify your home to your preferred taste and style. Some neighborhoods have homeowners association or HOA, which has rules and regulations, especially for the exterior. Even with HOA governances, there is still more room to personalize your exterior and outdoor spaces. You also have more options for renovation and remodeling, so long as you are in line with local zoning laws.   4. Comes in many different architectural styles As opposed to the typical straightforward design of many condos or townhomes, single family homes also come in different architectural styles. Whether you're looking to buy a lovely ranch, a mid-century modern, a Cape Cod, or even a Colonial home, you’ve got options that will satisfy your love for architecture.   1. No communal amenities Condos, townhouses, or multifamily homes usually include community amenities such as a gym, pool, or sports court. If you have grown accustomed to these, remember that you will unlikely have this access when you own a single-family home.    2. Higher purchase price and other expenses Although it can vary based on many factors, single-family homes often include a higher price tag than other dwelling types. Research from the National Association of Realtors on existing-home sales data shows that the median sales price of single-family homes rose to $391,000 from September 2021. On the other hand, the median sales price of condominiums is $331,700.  Single-family homes are more expensive since you're buying an entire lot. And with a higher purchase price comes the need for a larger down payment, closing costs, and recurring expenses such as property taxes and homeowners insurance.   3. Maintenance and responsibility Even if you're part of an HOA that takes care of a community’s shared spaces, being the owner of a single-family home means you’re solely responsible for all the home maintenance and upkeep costs. You are responsible for all yard maintenance, including mowing the lawn, cleaning the gutters, or shoveling snow on the driveway and sidewalk. It is a must to keep a maintenance budget just in case your home's major systems require unexpected repairs to the roof, major appliances, and other emergency fixes. Who are single-family homes best for? If you're on the market looking for homes and you’re still undecided on what home type to buy, a single-family home may be a good fit if:  You have or want to start a family. You want the luxury of more space and privacy. You have the time and money for general maintenance and upkeep. You want the freedom to renovate your home and landscaping to your preferred style since there are fewer restrictions. Remember to talk to a local and trusted real estate agent about the features you want the most and what best fits your price range to find the type of home that suits your dreams.

If you're planning to sell your home, just thinking about the preparations you need for your property can easily become overwhelming. Because of this, many sellers tend to overspend on repairs and updates that won’t help sell their homes for more. They feel like they have to fix everything and over-improve, to the point of losing money if the return doesn’t match the investment. So before you hit the hardware stores or call your trusted contractor, let's look at these three crucial things that will help you determine how to approach repairs as you plan to list your home.   With an experienced real estate agent by your side, you don't have to figure it out alone. Since they are knowledgeable about the neighborhood and the market conditions, they should be able to provide insight into which repairs and upgrades are necessary. Likewise, they can advise if some projects should be left undone to save money, especially those that won’t make a difference to your home’s value or won’t be a deal-breaker to potential buyers. So make sure you hire a trusted listing agent who will keep your best interests in mind. Allowing them to do a quick walkthrough before you put your home on the market will save you from undertaking any project that will only waste your time and money.   Further, you can determine what repairs, renovations, or improvements will add value and bring a good return on investment (ROI) with the help of your agent. Sometimes a major renovation makes sense, and sometimes it does not. It depends on the market, neighborhood, and your time and budget. Your real estate agent can help you by doing a comparative market analysis, which is an in-depth report on your home's current value and how it compares to other homes. It will help you calculate the ROI to see if updating makes financial sense. Remember that in the end, any cosmetic repairs or projects you complete should ultimately be to your benefit. If sizable ticket upgrades are impossible and won’t recoup their cost, consider other things that will help improve your home. It’s usually the small things, such as deep cleaning, decluttering, and enhancing your curb appeal, that has a significant impact on your home’s sale.   Lastly, it is not advisable to begin an upgrade or start a remodel that you can't finish in time before you sell. Home repairs are usually expensive and time-consuming, so carefully consider the time and your budget before committing. Some buyers will also find it hard to visualize the final effect of such partial fixes, which could be a considerable disadvantage on your end. Once you have decided to renovate an area in your home that has the potential of yielding the best ROI, go all the way and make it shine. For example, there’s no point in replacing your worn-out countertops in your kitchen and making it look brand new if you’ll simply leave the old kitchen cabinets and hardware the way they are.

So, you have finally found your dream house after what could be weeks or months of searching. It is an old house that needs a little work — okay, maybe a lot of work — but its character and charm are exactly what you are dreaming of in a home. Fixer-uppers are appealing, especially if you think there is potential in a property. Bonus if you are an HGTV fan. It also seems like a great idea if you want to save money on your home purchase. Likewise, the opportunity to put personalized touches and let your creativity show in the home can be exciting. The problem starts when you realize that not all fixer-uppers are equal and worthwhile. And if you are not careful, that fixer-upper might turn out to be a money pit that could transform your dream project into an expensive nightmare. A fixer-upper VS a money pit: How to tell Generally speaking, a fixer-upper is a house that is structurally sound and should only need general maintenance and cosmetic repairs. The biggest thing to remember when purchasing a fixer-upper is to look beyond the surface. A money pit, on the other hand, has many major flaws and expensive issues that require extensive professional assistance to make it more livable. As long as the general systems of a home are in good shape, your budget is best allocated to refreshing the property instead of repairing it. If the fixer-upper you are looking to purchase is plagued with even one or more of these huge deal-breakers, it's time to consider running the other way.   The bones or foundation that supports the entire house and what is holding it together. Without a solid foundation, it is impossible to have a structurally sound home. Serious issues with the structure are a large, expensive, and time-consuming undertaking to fix that could potentially turn your deal into an ordeal. Therefore, it is probably the most important thing to look at when hunting for a worthwhile fixer-upper. Keep an eye out not only for large cracks, but also for bowing walls, shifting masonry, uneven floors, and even moisture in the basement or crawl space when viewing a home. Better still, bring in a structural engineer or a foundation repair professional to inspect the foundation very carefully. If there's anything questionable about the structural integrity of the house, the expense involved in repairing the home may end up being more than you’re willing to spend.   Water is meant to be confined within the building structure, such as pipes and plumbing. When it runs unabated in crawl spaces, basements, floors, or walls, it can cause significant water damage, which is disastrous, and a giant red flag. Moisture can damage a home visibly by warping the walls. Even a slow leak will rot out drywall, and could eventually weaken structural elements such as joists and beams. Worst is, mold can thrive, which can cause serious health implications and be costly to remediate. Be aware of any damp smell, scour the ceilings for signs of leaks, and check every inch of the basement and foundation for cracks or water.   Another simple point to remember, if the mechanical systems of a home, including plumbing, electrical system, and heating, need a complete overhaul, you might want to think twice before taking that fixer-upper. These can all be expensive to update and have finite lifespans. Plus, outdated electrical systems can be extremely hazardous and cause electrocution or fire hazards. The value of fixing those problems will far outweigh the good, potentially leaving you out of pocket.   Many fixer-uppers might need at least some level of roof repairs, such as replacing some cracked, or missing shingles. But if the roof is already sagging, there are multiple layers of shingles, or the shingles are dry, cracked, and brittle, and you find evidence of major leaks on the ceilings, then it's a different matter. A complete roof replacement can cost you thousands of dollars, so you must know the age of the roof before buying. Not to mention, severe damage to the roof could also cause a myriad of issues, such as damage to the sheathing, trusses, beams, and rafters, resulting in water damage, mold, or structural issues, from wood rot. Unfortunately, none of these repairs are cheap.   Lastly, be diligent with pests that can eat away at your house and budget. Especially if there is termite damage, or worse, an active case of termites, treating the home can be incredibly costly. The structural damage these wood-boring insects cause can be more problematic because it is not always visible. When checking a fixer-upper or any home, look carefully for signs of an infestation, including crumbling, damaged wood, buckling wooden or laminate floors, mounds of termite pellets, mud tubes climbing foundation walls, or discolored or drooping drywall. If you suspect a termite infestation, make sure to enlist the help of professionals such as exterminators and structural engineers to help you understand the full extent of the damage. Catching the damage early, could mean you'll only need to cover the cost of extermination/treatment. However, finding it late should be your cue to look for a more worthwhile fixer-upper.

If you're considering selling your home, you might have encountered the term “all-cash offer.” Or maybe as you’re driving around town or scrolling online, you’ve seen advertisements from businesses that say they “buy homes for cash.” What does it mean? Here we will detail the basics of cash offers and the pros and cons of such deals to help you decide whether to sell your house for cash or stick with a traditional offer.    A cash offer is when a potential buyer offers to pay for the entire cost of the house without using a mortgage loan or other financing. According to research by ATTOM Data Solutions, all-cash purchases accounted for 21.6 percent of single-family home and condo sales nationwide in the third quarter of 2020.  The number of cash offers you may receive can depend on many factors, including your local housing market, your home's condition, or if you seek a cash offer online.   Here are some of the typical cash home buyers you might encounter when selling your home: Potential buyers - More and more average home buyers are bidding with a cash offer to stand out amongst the competition. This can be more common in a seller's market, where inventory is tight, buyer demand remains high, and bidding wars are more likely.  “We Buy Houses” companies - These are companies advertising that they’ll buy your house for cash. Common claims include phrases like “we buy any home” and “we buy ugly houses.” These companies aim to make cash offers on homes that might be in poor condition. They buy them on the cheap, fix them up, and sell them again for a profit. House flippers - House flipping, according to Bankrate, is when someone buys a property, holds onto it for a short time, and then sells it (the flip part) for a higher price. A house flipper may also take a fixer-upper and renovate it to make it market-ready. Either way, their goal is to buy low and sell high, earning a profit in a relatively short amount of time. Often flippers will make offers on homes before they get listed for sale to get a jump on the competition. If your home is more of a fixer-upper and you’d like to sell as is, you may receive a cash offer from house flippers. iBuyers - An iBuyer, short for instant buyer, is a real estate company or real estate tech business that uses software to determine the value of homes and make instant cash offers on them. The programs and algorithms they use estimate your home’s value based on the information you provide and recently sold properties in the area. iBuyers often charge a fee for the convenience of selling your home fast, which is typically a percentage of the sale price. It’s also important to note they have strict purchase criteria, and may only be available in select markets. Real estate investors - Those looking to turn houses into investment or rental properties may also bid with cash.    1. Fewer contingencies There are usually fewer contingencies with a cash offer. Specifically, buyers won't need a financing contingency, which could derail the sale if they don’t qualify for a mortgage loan. There also won’t be a need for an appraisal that lenders require to make sure the home’s value matches its sale price. Still, remember that every situation is unique. Some cash buyers may still ask for other contingencies, especially an inspection contingency, to protect their investment. 2. No need to do repairs or home staging Selling the traditional way requires deep cleaning, decluttering, repairing, and even renovating, as well as staging your home. Not to mention that you have to keep your home clean throughout showings and open houses. This can be the most time-consuming, expensive, and stressful process of selling.  Accepting a cash offer means you can sell your home as-is since these buyers typically won’t require any repairs or updates to be made. Most of them are planning on doing the renovation themselves, saving you from putting money into a property you’re just trying to sell. 3. Shorter closing process Since there isn’t a mortgage application and underwriting process to wait for, which can take up to 60 days, a cash transaction cuts down on the timeline. You may be able to close in as little as two weeks. However, this timeline can vary since you still need the buyer’s proof of funds and time to complete other closing requirements. But with a faster closing period, you’ll be able to get moving quickly and easily, especially if it’s because of a new job or any other commitment.   1. You will likely get less money from the sale Whether from an iBuyer, investor, house flipper, or even a traditional home buyer, the flip side of a cash offer is it may be lower than what you'd expect. It can also be hard to negotiate on price since their offers are typically take-it-or-leave deals. Many of these businesses follow the 70 percent rule in real estate, meaning that they may not offer you more than 70% of your home’s after-repair value. But if you’re looking for a faster and easier transaction, this may not be too much of a negative. 2. Lack of competition The reality is that there are more traditional home buyers on the market than all-cash buyers or companies. You’ll still have a better chance of getting multiple competing offers, especially in a seller’s market, when you go through the traditional listing process. Dozens of other potential buyers are likely to come in with their best offer if you sell your home the old-fashioned way. 3. There’s a risk of fraud or scam, and the offer isn’t finalized until you’ve signed the contract Lastly, use careful judgment and do your due diligence when selling your home for cash to any company or investor. The cash home buying industry can be a magnet for real estate scams. Scammers might try to take advantage of sellers experiencing financial difficulties and are looking for a quick cash sale. While not all of these companies are fraudulent, make sure you’re selling to someone reputable.  Another point to consider in an all-cash transaction is that despite the promise of a relatively quick and less stressful process, there is still no hard guarantee of closing until the deal is signed and you have the money in your hand.   You think it's the best offer for your situation. You’ve inherited a home and don’t have the resources to either maintain it or turn it into a rental property.  You need to relocate quickly and need the money or your home’s equity to make a down payment.  Many of these cash buyers or investors are also targeting homes that are challenging to sell, especially those that could turn off other buyers in which no lenders will loan a buyer money to purchase the house, such as: Homes with title flaws Homes with large amounts of past due taxes and fees Burned-out or storm-damaged homes Properties with illegal conversions or code violations Homes requiring major repairs   Real estate agents are licensed professionals who can guide you through the complicated process of selling your home. If you're trying to sell for cash and want to work with a large real estate business, hiring an agent isn’t strictly necessary. But it doesn’t mean you should forgo having their expertise. You can ask for their cash buyer recommendation, especially if they’re experienced with cash sales. They can also offer valuable advice and assistance during negotiations and help you avoid scams, which is the last thing you’d want when trying to sell your home. 

A recent report by the United Nations Environment Programme (UNEP) and GRID-Arendal finds that wildfires are becoming more intense and more frequent, with recent years seeing record-breaking wildfire seasons due to climate change and land use change. An estimated 4.5 million homes in the U.S. are in places with high or extremely high wildfire risk. And according to data from a nonprofit research group in New York called First Street Foundation, half of all addresses in the lower 48 states face some degree of wildfire risk.  If you find yourself house-hunting in an area where wildfires are unavoidable, especially since housing is in short supply, be sure to learn about the property's construction, landscaping, and even the neighborhood. Here are some of the most critical things to assess before you continue with your purchase and sign the dotted line for one of your biggest investments.   What is the community's general wildfire risk? The key to buying a home in wildfire territory is to be as prepared as possible. And the first step you can take as a home buyer is to ensure the community is safe. Start by assessing the community’s general fire risk. There are several free online tools available to help you determine it, including the Wildfire Risk to Communities tool by the USDA and U.S. Forest Service, the Risk Factor tool by First Street Foundation, the National Interagency Fire Center’s wildfire risk map, as well as Climate Check. These resources provide interactive maps, charts, and other information to help home buyers and communities understand, assess, and reduce wildfire risk. You can also use the U.S. Forest Service’s fire maps to look at historical data for regional risks, although it’s impossible to zero in on specific homes. Likewise, you should also see if the community you’re looking in assesses zones for fire risk by building codes. The codes determine how much risk exists based on several factors, such as density, land use, and existing construction in the area.   Is the neighborhood prepared for wildfires? Since wildfires typically impact multiple homes at once, entire neighborhoods can be affected. This reason is why it's important that you have a community to lean on when faced with a crisis. Start by checking with your city to see if they have prevention and mitigation procedures in place to prepare homes against the threat of wildfires. Meet with the local fire department/agency or the local emergency manager and ask about the fire history of the area, drought conditions, wildfire evacuation plans, risk ratings, and even the department’s response capabilities. Also, make sure the community or neighborhood is an active Firewise USA site and has been working with their local forestry or fire district on reducing risks in commonly owned and adjacent areas.  It’s also worthwhile to learn about your potential community’s culture. Are the neighbors friendly and ready to work together to help prevent wildfires? Is there an active HOA or homeowners association that has emergency plans in place? Likewise, check to see if the neighbors have also taken precautions to help protect their homes from a wildfire since you are only as safe as your neighbors’ homes if a wildfire strikes nearby.     Has this home ever been affected by a wildfire? Wildfires can strike an area that has burned before, so it's crucial to know whether a home you’re looking to buy is in a wildfire-prone region. Although a home seems far, fire can quickly spread from building to building. If the house is in an area that has experienced wildfire before, you must appraise the home for any damage. You may check with the local zoning department to see if building permits for structural changes were filed for the property. Likewise, find out what the homeowner has done to safeguard the home from future wildfire damage.   Is the house built with fire-resistant materials? Take the time to determine whether a home has protection to survive a wildfire, especially when it comes to its building materials. The roof is especially susceptible to fires since flying embers can land there and ignite, so steer clear from homes with wooden roofs. Avoid vinyl siding because it melts in a fire. Metal, tile, asphalt, slate, and composite shingles are some of the excellent fire-resistant materials to look for. Multi-pane or tempered glass windows will also protect during a wildfire instead of single-pane windows. If the house doesn't have fire-resistant materials, you can negotiate for repairs, for example replacing the old roof to give the entire structure a better chance of surviving a fire. Buying a home with wildfire protection in place will save you money in the long run. The sense of comfort it can provide during the home buying process is priceless.   Is the outside space and landscaping designed to mitigate fire risk? When shopping for a home in fire-prone areas, assess the landscaping to see if it was designed to mitigate wildfire risk. The first thing you should look for is whether there's a defensible zone around the property. You can use this guide to defensible zones published by the National Fire Protection Association (NFPA) to learn more. Having defensible zones around the home can reduce the number of fuel sources for a wildfire.  If you’ve successfully bought a home, you can take steps with landscape design to protect your property. Make sure you’re consistent in clearing brush, grass, or leaves, trimming bushes and trees, keeping the gutters clean, and maintaining a defensible space around your property. Having easy access to water to put out fires is also important, so swimming pools can also come in handy, especially if they’re in-ground.   Is wildfire damage covered by homeowners' insurance? While it’s a no-brainer to get a good home insurance policy wherever you buy, comprehensive home insurance is critical when you live in a high-risk place. Unlike in flood-prone areas where you are required to purchase a special, separate policy, most homeowners’ insurance cover damage caused by fires, including wildfires. However, you’ll want to be sure there’s enough coverage for your entire structure, belongings, and temporary living costs should a total loss occur. Review the fine print carefully and check the policy to understand the deductible and specific coverage details for wildfire damage.   Bottom line When considering a property in an area with a wildfire risk, don't forget to ask the right questions. Especially if there’s no disclosure requirement for fire risk in a particular area, if you want to know something, just ask! Your real estate agent is also your go-to person if you want to be educated about the community, the designation of the home you’re looking to buy, and other resources that can help you should you proceed to buy a home in a fire-prone region.

Whatever the reason behind your move, whether you're buying your first home, you’ve got a new job in a different city, or you want to be closer to your loved ones and relatives, among others, relocating is no small venture. There are many factors to consider: finding the time and energy to pack up all your belongings and choosing a reliable moving service to safely transport your items. And while it is exciting, it can also be overwhelming, stressful, and expensive. Moving expenses can get out of control if you don’t plan them out properly.   Trying to save money during your move is not just about reducing costs but also about avoiding unnecessary extra charges. Imagine using part of your hard-earned money to decorate your new home instead of throwing it away on expenses that may be avoidable in the first place. So here's a bunch of tips to keep costs down from the minute you decide to move right up to moving day itself. 1. Create a moving strategy. One of the smartest ways to reduce costs when moving is organization. As soon as you get to know you’re going to move, list down all the things you’re supposed to do. Go through your rooms and jot down what you have and what you’re taking with you. If you’ve decided to use a professional moving company, allow enough time to find the best movers and negotiate with them to avail of their services at affordable costs. Lastly, ensure you have a backup plan in place because there is always a chance that your timeline and move-in date could go awry at the last minute.   2. Research and compare the prices of moving companies. You don't want to wait until the last minute to look for movers, as you may end up accepting any price quote they give you due to being in a hurry. Be critical and do your research about the reliability of each mover before booking them. Be mindful of red flags, especially those who offer low deals that are too good to be true. Since no two movers quote similar prices, it’s preferable to get in-home estimates from at least three companies. Make sure that the relocation expert performs on-site and in-person cost estimates to make them as accurate as possible. Then compare the moving quotes you receive in terms of these three things: price, services, and terms and conditions. Once you select the right mover that fits your needs and budget, don’t be afraid to ask about discounts and negotiate for a lower price.   3. Read all the fine print. Once you've decided which professional moving company you’re going to hire, make sure to examine the movers’ contracts carefully. Some movers are notorious for hidden fees, so be vigilant and read all the fine print. Take a long, hard look at the extra fees and add-ons attached to your estimate to make sure you’re not being overcharged for something you don’t need. Likewise, don’t forget to consider your insurance and liability options carefully.   4. Choose a cheaper date and time for your move. Another good cost-saving technique when relocating is to schedule your move during the off-season, if possible. Summer tends to be the busiest season for moving when demand for movers is highest, especially in the months of June, July, and August. Likewise, movers quote high prices during weekends and month-ends since many people move during this period due to being off from work and end of lease or rent contracts. So if you can choose to move during the off-peak season or midweek or mid-month days when demand is typically the lowest, you can avoid paying unnecessarily high charges. Also, movers will be able to completely focus on your relocation job without being in a hurry to move on to the next one.   5. Purge and declutter your belongings before packing. If you really want to avoid unnecessary costs when moving, follow this rule: the fewer things you have to take along with you, the less you'll have to pay. If you declutter before moving, you will also need fewer packing boxes and supplies and cut down on costs if you need to store your items. So get rid of unwanted items—unworn clothing, out-of-date electronics, furniture that won’t fit your new space, etc. —as early as possible to make your life so much easier on moving day. Choose the items suitable for resale, then decide whether to have a local garage sale or sell them online. For those items that don’t sell donating is the way to go.   6. Seek out free moving supplies and pack everything yourself. Moving supplies, including boxes, tape, and bubble wrap, aren't cheap! Their cost can add up if you don’t plan ahead and get creative on where you source them. Since you have assessed your belongings, see if there are items in your home that you can use to pack some of your stuff. Using soft furnishings, blankets, towels, clothing, and any other materials to protect your items doubles up as smart packing instead of wasting money on bubble wrap that you are just going to throw away. You can also seek free moving supplies from various stores, online marketplaces, community groups, and friends. Lastly, you should be able to pack most of your things by yourself. If you’re going to consider professional packing services, it would be cheaper if it would only be for special and valuable items such as pianos, antique furniture, paintings, etc.   7. Prepare and disassemble furniture and other bulky items beforehand. Preparing your large furniture and other bulky items before moving day is also a great way to save on shifting charges. Packers and movers may charge additional prices to dismantle appliances, like refrigerators or air conditioning units. If you know how to do it the right way, you could save on disassembling costs by doing it yourself. But if you don't have the knowledge and skill, leave it to the pros and book their services in advance. They’ll use the necessary tools and follow proper guidelines to avoid damage to your furniture. Preparing these things ahead of time will be more cost-effective, rather than expecting the team to move items that won’t make it through the door and to disassemble without previously agreeing to it on moving day.

After what could be months of browsing online, numerous home showings, and countless updates from your real estate agent about new listings, you're ecstatic to have finally found the home you want to buy. You put down an offer, and the seller has accepted. All the hard work is done, right? Not so fast! Before you make a significant financial commitment, it’s best to know exactly what you’re buying. And the last thing you’d want is to fall in love with a beautiful home that actually has major problems lurking beneath the surface. This, is when the home inspection should take place. Home inspections are among the most crucial aspects of the real estate process. The report can give you an in-depth examination of the property’s structures and systems, including the roof, electrical, plumbing, foundation, etc. Since the results of the inspection can make or break a sale, it's extremely important to pay attention to this process, no matter how confusing and nerve-wracking it can be. We’re here to give you insight on some of the most common mistakes many buyers make when it comes to inspections and the best ways you can avoid them.   Some home buyers are tempted to waive an inspection so they can get an edge on the competition, especially if they're in a hot sellers’ market where there are far more buyers than listings and homes are getting multiple offers. But no matter how flawless a home looks, it could secretly have a laundry list of issues that could go unnoticed by an untrained eye. The same goes even with a new construction home.  A home inspection is critical because it tells you the condition of the home and its issues. It can uncover potentially hazardous items on the property that can compromise your family’s health and safety. The last thing you’d want is to buy your dream home, only to deal with costly problems down the road, such as termites and other pests, structural issues, or even mold. When these major defects are noted in the inspection report, you’ll have the opportunity to walk away from a potential nightmare. And even if the home doesn’t have any major defects, you can still use the inspection report to negotiate repairs on any items or concerns listed. Likewise, don’t skimp on additional inspections that might be needed for your specific property, including mold, radon, lead testing, sewer, or septic system inspection, among others.   Since buying a home is a huge financial burden, who wouldn't want to save money in one way or another? However, looking to save some dollars on a home inspection isn’t a bright idea. Not all inspectors offer the same level of service. Those who advertise very low prices could signal that they’re new and inexperienced or they are not utilizing the latest equipment on the job.  Of course, we’re not saying you should never opt for an affordable inspection. We recommend before hiring to do a little research. Aside from your experienced real estate agent, a trusted home inspector should be part of your team that will help you achieve your dream home. Read online reviews or ask for recommendations from friends, family members, and your agent. Then contact at least two or three inspectors so you can compare their fees, levels of experience, and service.  Ask potential home inspectors about their backgrounds, years of experience, and number completed. Verify their certifications and credentials, and make sure they carry the proper insurance. Moreover, find out what is and isn’t covered in the inspection and if they utilize the latest technology. You can also ask for a sample report so that you have an idea of the kind of home inspection report so you can compare the style and level of detail provided. Hire someone who is not only trustworthy and competent but whom you can be comfortable with when you ask numerous questions about your potential home.   While attending the home inspection isn't actually required, don’t be tempted to skip it and just read the report later. Even a detailed report with pictures is not the same as being present. So make every effort to be on-site during the inspection as this is a golden opportunity for you to learn more about the property, such as taking a closer look at the home’s systems and appliances and even find out where everything is located. If you can’t be there during the entire inspection, at least be there towards the end so the inspector can sit with you to explain things and answer your questions. If you absolutely can’t make it, ask if you can schedule a time to meet in person or speak by phone to go over the report in detail.   On the other hand, it's possible to be “too present” or “too involved.” Remember that if you tag along with your inspector, shadow them around the home and listen to what they discover. Do not get in their way by avoiding spending too much time chatting over cosmetic issues, as they might get distracted when looking at important areas of the home. Lastly, don’t try to do the inspector’s job in an effort to help, or do anything that might jeopardize your or the inspector’s safety.   Believe it or not, no home is perfect. There's not a property that comes with zero issues, even a new construction home. Since the home inspection report is very detailed, it uncovers a large number of flaws, both minor and major. Don’t be alarmed by these deficiencies, when in fact, flaws in a home are to be expected. The last thing you’d want is to be that buyer who demands that the seller fix even the smallest issue to make the home perfect. This could result in the seller rejecting your offer. Once you’ve received the inspection report, the most critical thing to do is understand which problems require minor fixes and which will require extensive and expensive repairs. Try to focus on these major issues to make your potential home more livable and worth the investment. Your real estate agent can help you decide if and how to approach the sellers about making repairs or reducing the price of the property, but don’t expect the sellers to address every minor item on the list.   The reason you hired the inspector is for their professional expertise, so don't be shy about tapping into it. Don’t be embarrassed to ask questions when there’s something in the inspection report that you don’t understand, and to understand the scale of each issue discovered, as it can help you plan out repairs in the future. Avoiding asking questions can make you uninformed about major issues that could greatly impact your home purchase. Just remember: don’t bother asking for advice from your home inspector whether or not you should buy the property, because they won’t be able to answer that question for you. Instead, use the information provided in the report to make an informed decision. Besides, that’s where your experienced real estate agent should be able to help you with your biggest purchase.   Apart from requesting receipts to prove that repairs have been completed, take it further and have the negotiated repairs re-evaluated by your home inspector or another qualified professional. You want to make sure that the seller did the job correctly and not just a quick fix. Even if there's additional cost, following up with a reinspection will give you peace of mind to avoid paying to redo those repairs later.

Aside from a home's features and visual aspects, the odor is another critical consideration for many potential buyers. If you are a homeowner who frequently smokes cigarettes indoors or lives with a smoker, it is important to understand that tobacco odor lingers.  Before deciding to put your property on the market, it may take lots of work to remove the smoke smell from your home. Read on to learn more about its impact on your home's value, and a few guides to minimize or eliminate unpleasant smoke odors from your home.   According to a report by Realtor Magazine, studies indicate that smoking inside a house can reduce resale value by up to 29 percent. The so-called “thirdhand smoke,” or the chemicals and compounds released into the air by cigarettes, coat walls, ceilings, and other home surfaces. Researchers that measured thirdhand smoke pollutant levels in smoker homes after they moved out found that pollutants remained two months later, even after the homes had been deep cleaned and ventilated. Just the experience of walking into a house that reeks of cigarette smoke can be a deal-breaker to many buyers, and they may perceive the property as worth less. Likewise, should they consider the home, they'll soon realize the scope of the project that awaits them in removing the smell. Even in a competitive market, sellers of a smoker's house can have a hard time getting buyers to make an offer.    Now that you understand the impact smoke smell can have on your property sale, you are probably wondering what is the best way to remove smoke odor from your home. Unfortunately, a quick swipe with wet wipes, sprays of air freshener, or even lighting incense or scented candles, won't be enough. Adding another smell to the mix can make things worse and turn off potential buyers.  First, here are the best natural products for your smoke-removing arsenal Vinegar is one of the most effective household treatments for removing the smell of smoke, mainly because of its deodorizing properties. Vinegar cuts through odors naturally and can also be mixed with essential oils to cut the tangy smell. One popular cleaning mix includes one part water and one part white vinegar, which can be used for almost all surfaces and items. Meanwhile, baking soda is an inexpensive and handy household cleaner great for making simple cleaning pastes and also for soaking up odors.    To get you started, here is a list of three expert-recommended tips for removing the smell of smoke from your house. 1. Tackle hard surfaces Before starting the cleaning process open all windows and doors and turn on fans to improve ventilation. Once you have good air circulation, you can begin to wipe down every hard surface in the home. The recommended solution of half white vinegar and half water can be used to clean many surfaces, including: Walls Ceilings Floors Kitchen counters Doors, knobs, and handles Windows and frames Light fixtures, including the bulbs Appliances Furniture  Aside from vinegar, you may also place bowls of coffee grounds in affected rooms to help neutralize the cigarette smell. For wood or tile, usual cleaning with the recommended cleaner should suffice.  Will repainting the walls help reduce the smoke smell? Because paint is porous, it may be difficult to remove the smoke smell completely from a wall. A fresh coat of paint may seem like an easy solution, but the pre-existing smoke smell will still permeate through.  After ensuring the walls are thoroughly cleaned and dry, you first need to seal the smell with an odor-neutralizing primer as your base coat to prevent it from eventually seeping back through the paint. Then apply two coats of a new color, preferably a neutral, for a better chance of resale. Repeat for trim work and doors if needed as well. 2. Wash and deodorize soft items Tobacco smoke permeates fabrics and lingers, so take a thorough inventory of all soft goods in the home. Here are a few tricks to remove the cigarette smell on some of the most common soft items and fabrics.   Carpets, rugs, upholstery, and other items that are not machine washable - Any deodorizing powder, such as baking soda, is your best friend when cleaning these items. Grab a big bag of baking soda and sprinkle it on, and let the soda sit and absorb odors overnight or even after a few days before vacuuming.  Wall-to-wall carpet, on the other hand, can be much more difficult to deal with than area rugs and upholstery. You may need to get a professional cleaner's opinion or replace the carpet altogether. Just wait to install a new carpet until you have completed the cleanup so it stays fresh. Window treatments such as curtains, draperies, and upholstery covers - Take down curtains and draperies and remove upholstery covers. If the fabric can be washed in the washing machine, give it a spin by using a half cup of vinegar instead of detergent, then wash again with detergent and let the items air-dry. If the fabric has to be steam cleaned, you may rent a steamer or hire a professional to take care of it. Mattress, bedding, and cushions - The cigarette smell within a mattress is usually difficult to mask and rarely disappears on its own. Placing your mattress outside in the sun will help with ventilating and killing odor-causing bacteria in mattress fibers. To neutralize the scent, spray it with a vinegar-water solution twice a day for at least a week. You can also try sprinkling some baking soda over the mattress. After around three days, vacuum the excess powder off and repeat the cycle if the smoke smell persists. Meanwhile, toss any washer-safe cushion covers, pillow covers, sofa covers, and linens into the machine, similar to the laundry process of the curtains, then let them air dry outside.   3. Clean the air While all the aforementioned cleaning measures will help reduce the smell of cigarette smoke in a home, they will not eliminate it. Cleaning the air is usually the last step to getting smoke out of a house. Invest in new filters for your HVAC system, specifically those special odor-removing filters that contain neutralizing charcoal, making sure to change them regularly. Do not forget to check all air ducts and remove any blockages or dust that might have smoke residue. You may also purchase an industrial-grade air purifier with HEPA filters, which will improve the overall air quality in your home. Moreover, go natural and fill your home with indoor plants to help clean the air. Get professional help A professional cleaning service may yield better results if you are not satisfied with your DIY efforts or your attempts at cleaning and washing are still unsuccessful. You can take the soft items to a local dry cleaner, especially for larger stuff. You may also hire a home restoration company to thoroughly clean surfaces and fabrics and eliminate smoke smell more efficiently and effectively. They have the capacity and knowledge to use some big guns or specialist equipment, such as steam deodorizers or ozone generators. Bottom line Sellers, do not go at it alone. As you start the process of preparing your home for sale, hire an experienced real estate agent. You can ask them to do a “nose check” to help you detect any lingering smells. Aside from guiding you through the ins and outs of selling a home with a smoke smell, they will advise you on how to disclose or confront a smoke odor during closing negotiation and refer you to a reliable home restoration company if needed.

If you're a homeowner, aside from lounging by a swimming pool or throwing a few backyard barbecues, the warmer months are also the perfect time to tackle some improvement projects around your house and yard. The beautiful weather conditions give you ample time to assess, repair, and make upgrades that can help increase the overall value of your home, especially if you plan to sell your house anytime soon. If you're still unsure about what projects to start with and are seeking inspiration, here are some of the most popular and cost-efficient projects to add to your list this summer.   1. Pressure wash your outdoor surfaces. If you're looking for a quick and inexpensive home improvement task, nothing beats an old-fashioned power washing to give your outdoor areas a much-needed refresh.  Pressure washing your home’s siding, driveways, walkways, deck, or patio can help remove any dirt, grime, mud, mold, and mildew built up over winter and spring. Not only will this make your house appear brand new and improve your curb appeal, but it will also make your abode a more enjoyable place to relax and entertain this summer. Generally, you can hire a professional to do the pressure washing or do it yourself. Although, you may be better off calling a professional if your home is particularly large or grimy, as they have the necessary personnel and equipment to do a more efficient job.  If you think you can do this chore on your own but don’t have a pressure washer or the budget to buy, you can often rent one from your local home center or hardware store at an affordable price. As you clean your home’s exteriors, make sure to use caution. Strictly adhere to the sprayer’s instructions to avoid damage, especially when pressure washing delicate surfaces such as painted siding or wood decks.   2. Clean and repair your gutters. Gutters are critical in channeling water away from your roof and your home's foundation. When a gutter is clogged, water backs up, which can lead to a wide array of water damage, pest infestation, and even result in broken gutters.  While not the most fun or creative, cleaning out your gutters and downspouts at the start of summer will help protect your home against summer showers and prepare it for the colder months ahead. Before removing debris, have your equipment ready—a sturdy ladder, a bucket, a gutter scoop, and a pair of heavy-duty gloves. Afterward, spray down the gutters with a water hose to eliminate any leaves, bugs, or dirt left behind. You may also choose to hire a local gutter cleaning service if you aren’t confident about doing the cleaning yourself.  If your home’s gutters are already old, sagging, or leaking, they might need to be replaced instead of just being repaired. A new gutter system will not only protect your home against future storms but can also dramatically improve its curb appeal without making a dent in your wallet.   3. Spruce up your deck. If you haven't done so already, summer is also the perfect time to give your deck, porch, or patio some TLC. They can take a beating during the cold-weather months, and if you had a hard time sprucing it up in the spring, summer is a great time to revive them. Aside from pressure washing (with care!), clear out cracks, crevices, and spaces between boards using a putty knife, then remove old stains to prepare for refinishing. Once your deck is clean, allow ample time for the surface to dry before applying the proper stain to enhance its look.  And while you’re at it, consider cleaning and painting your outdoor furniture to make it look as good as new. You can also think of other ways to make your space a dreamy oasis perfect for those summer barbecues or backyard celebrations.   4. Upgrade your windows and window treatments. Summer is the ideal time to replace your old, worn-out, or damaged windows. While this home improvement project may sound like a huge undertaking, it can also have big benefits. This will improve your home's energy efficiency and resale value but can also give you long-term savings from heating and cooling costs.  When you install new windows, the first step is to remove the old ones, which means that your living space will be drafty during installation. With that in mind, it’s best to do this when temperatures are still mild. Upgrade your windows by installing dual-pane models that will not only ensure that street noise and inefficient air conditioning and heating are eliminated, but will also improve your home’s appearance.  Furthermore, the right window treatments can also help keep your house cool, especially during the dog days of summer. There are numerous options to choose from when selecting window treatments: blackout curtains, blinds, window shutters, motorized roller blades, etc. Aside from cutting down on dangerous UV light and blinding glare, it can also improve the overall look and feel of your home.    5. Install or update your ceiling fans. Even if your home has central air conditioning, ceiling fans are a more reasonable way to keep cool this summer, as they can efficiently increase the air movement within your home. Not only that, a high-quality fan that's also Energy Star-rated can make your home more energy-efficient.  Installing or updating your fans is one of the cheapest DIY home maintenance projects you can accomplish over the weekend. Installation costs $246 on average, according to the 2022 data from Homeadvisor, and usually runs between $144 and $352. Meanwhile, residential fans typically cost around $50 to $1,400 and come in a variety of decorative styles and colors that will compliment your home.    While summer provides the ideal weather condition to accomplish many home maintenance projects suitable for your needs and budget, remember to be wary of hot temperatures, especially when working outdoors.  

A photograph can be worth more than a thousand words. This is especially true in real estate. You might have the most desirable house in the neighborhood, but if you do not take and post the right pictures, your home will not appeal to as many buyers.  In the 2021 National Association of REALTORS® Profile of Home Buyers and Sellers, 84 percent of home buyers find photos very useful. Furthermore, 41 percent of recent buyers said the first step they took in the home buying process was to look online at properties for sale. This is why it is important for your online listing to make a good impression. You want to show that your home is worth considering setting up in-person showings. Since you might not get a second chance to make a first impression, you cannot afford to mess up your listing photos. Here are some of the most common real estate photo mistakes you need to steer clear of and some tips on how you can avoid them.    Blurry or out-of-focus images can leave an impression that the seller is hiding certain house features, while grainy photos can make a house look menacing due to deep shadows. With today's camera technology, there is no excuse for having such images anymore, especially when selling a product such as a home. Listing photos need to look professional. If you do not want to hire a professional who specializes in residential photography, at least use a quality camera or smartphone that can give you high-resolution images. More so, use a tripod to enhance the stability of the camera and prevent blurred photos.    Lighting is a critical aspect that can make or break a photo. Good lighting can make a property look more spacious, fresh, and inviting, especially if you highlight the natural light it provides. This is why interior photos are best taken during the day, with windows and blinds opened, curtains drawn back, and lights turned on to produce bright and illuminated spaces. Similar principles apply to exterior images to best feature your home's curb appeal.   One of the worst kinds of listing photos features a cluttered house. Papers on the side of the refrigerator, groceries and food items on the kitchen counter, unmade beds, clothing on chairs, personal belongings like diplomas and other memorabilia still on display—you name it. While it does not directly affect the quality of the photos, a clean and organized house is critical to a successful photo shoot. If you cannot stage your home or hire a professional stager, do your best to clean, declutter, and organize beforehand. Remember that the goal is to photograph your home to look like a model home to entice potential buyers without being misleading. Any clutter and personal items will only distract them from seeing the most attractive aspects of each room and might hinder them from scheduling a showing.   The main goal of prospective buyers is to focus on your property, not to check who or what resides in it. Although you love your pets and they are adorable, keep them out of your pictures. Not everyone loves pets or may be allergic, so including your pet in listing photos can negatively impact house hunters. They might worry about fur on the carpet, scratched floors, or nasty pet smells and stains.  Similarly, listing photos should never be photobombed by you, your cute kid, or anyone living in the home or taking the photographs, which often happens when there is a mirror in the room. Remember that it is your home that should take center stage, so skip the selfies or family shots so buyers can easily envision themselves living in there.   Pictures of your property's exterior should not include a close-up of a patch of grass. Or a tree in the backyard. Or a random plant. Interior photographs, on the other hand, should never include close-ups of everyday home items—from not-so-fancy ceiling fans, and water heaters to every appliance you have that would not qualify as sought-after amenities. While the intention is likely to show the condition and age of these items, in reality, dull close-up shots make rooms look small and repetitive. So take a step back and photograph your property's look and flow, focusing on spaces such as the kitchen, bathroom, closets, outdoor living space, and unique home features, so buyers can have the feel of the home just by looking at photos. The brand of the refrigerator can wait until they schedule a showing.   Another mistake sellers often make is featuring pictures taken several months ago that are outdated, maybe in an attempt to save time and effort. But listing photos should always be up-to-date and show the current state of the house and how it would look to a potential buyer in person. Additionally, it is important not to post seasonal photos, especially with decorations from a holiday one celebrated months ago. For example, if you are listing your home for sale in February or March, you do not want buyers to see photos of your Christmas tree and twinkly lights. So take down all holiday decorations before taking pictures for your listing, unless you want people to think that your property has been on the market since December. Your listing photos should feature a neutral home and reflect the current season to attract more buyers.   Aside from having good quality listing photos, buyers would want to see as many photos as possible to help them make an educated decision on whether to schedule a showing of the property. If the listing has limited photographs, buyers might wonder what the seller is hiding. For instance, only featuring photos of the exterior could mean the interior is outdated, and vice versa. If your listing says your home has two bathrooms, you would want to show both of them. Make sure to include images of every part of the home, highlighting the rooms and spaces you want to. Each Multiple Listing Service and real estate websites have different limits on the number of photos a home seller can include. Whatever website you and your real estate agent choose to use, it's a good idea to upload the maximum photo limit. 

If you're planning to put your house on the market anytime soon, the biggest task isn’t to address repairs or start renovations, as these require lengthy planning since they can be time-consuming and costly.  The main task you should prioritize as a potential home seller is decluttering. It’s actually free, and you can do it way ahead of time. It’s best to do it in advance even if you’re not much of a hoarder, as you must have accumulated too much stuff after living in your house for years.  Not only can paring down your belongings help you when it's time for your move, but it can also save you money and potential headaches. Still not convinced? Here are five huge reasons why decluttering is crucial in your home selling journey.   The greatest benefit of decluttering, even if you're still deciding whether or not to list your home for sale, is that your home instantly looks more spacious and appealing. It all boils down to perception. No matter how big your home’s actual footage is, excessive furniture, decor, and clutter can make your place cramped and untidy. All of these elements also make the home unattractive to potential buyers.  So if your house already feels smaller than it really is, it’s time to get serious about decluttering and organizing. Keep only the necessary furniture and decor that will define your space and highlight your home’s best features without being distracting. If you have too much furniture, you can put it in storage for the time being. Think of the phrase “less is more,” especially if you’re thinking of hiring a staging company to show your home. It makes a difference in your buyers’ perception of how big your house feels. Likewise, it is easier to clean a decluttered home. Air circulation is also improved, so it smells cleaner. And because the smell is one of the first things potential buyers will notice when entering your home, it’s a huge deal breaker.   It may be tempting to store everything away in your closets and cupboards but resist doing this. Too much stuff in your cabinets makes it seem as though your house doesn't have enough storage space.  And storage is a top concern for serious buyers. They will want to open up closets, cabinets, and drawers to see how much storage the home has. You might have hidden your items from plain sight, but when buyers see cabinets full of stuff like miscellaneous food containers, it will give them the impression that there’s not a lot of storage in your home. Show off your storage space by emptying them or leaving them two-thirds empty. You may throw away, donate, or sell things you don’t want to take with you when you move. You can also rent a storage unit and put everything in there temporarily as you’re sorting through your belongings.   Decluttering can also help you identify potential problems in your home that can be deal breakers for many potential buyers. Where there is clutter, it's likely that pests are also around, such as ants, spiders, and rodents. By decluttering ahead of time, you can easily spot these pests and get rid of them. Moreover, you can deal with issues like cracks in the wall, mold growth, bad paint jobs, leaky pipelines, and other minor repairs when you start to lessen your stuff. By removing bulky furniture, you can locate where many of these problems could be potentially hiding. Decluttering before listing your home for sale will give you plenty of time to address these issues, so you can improve your home’s value and ask for a competitive selling price from buyers.   When you start your decluttering process with the goal of selling, you must see your home through the eyes of potential buyers. When a buyer views your property, they can easily get distracted if there's too much clutter. Instead of focusing on the home’s features and selling points (and even its flaws and potential problems which could affect the sale), they may pay more attention to items such as your furniture and personal belongings. You want buyers to fall in love with the house, not with your stuff that could be going with you when you move. Aiming to make your home a neutral space by removing most of your personalized items will make it easier for potential buyers to imagine themselves and their things in the home. Since there are fewer distractions, buyers can easily visualize themselves living there without being reminded that it’s someone else’s home.    Taking the time to organize and declutter before listing your home will aid in simplifying your move. Sorting through your stuff ahead of time will prepare you to finish packing when the time comes. Doing this will make your future move much less stressful and overwhelming. Especially if you have called your property your home for a while, it can be emotionally difficult to move out when the time comes. Dealing with your clutter beforehand will help you reevaluate your items, so you won't spend the extra money or energy to move things you don’t even use or want anymore.  And when you start to see your home changing after packing and throwing away items, it becomes less and less your home and more of a place where you’re getting ready for your next adventure. After all, the memories will always stay with you, and you can cherish them forever. And you’ll be thankful you put in the work beforehand because aside from becoming emotionally prepared for the complicated moving process, your home will also be more attractive to buyers.

Searching for inspiration to help you organize your home isn't difficult nowadays. There is already an abundance of tips, tricks, and strategies from TV shows, magazines, and the internet to motivate you into taking on such a challenging task. The images of tidy closets or a perfectly organized pantry inspire you to rush out and purchase the same baskets and bins, thinking you will get the same pretty and stylish results. See? That’s where the problem starts. The truth is, not all organizing tips are as helpful as they appear. Some may even cause more work for you in the long run, making it more of a hassle. Without further ado, here are three popular home organization tactics that should help better arrange your home but could have the opposite effect instead.   1. Decanting everything into a container. Decanting is a term used to describe the practice of removing foods from their original, disposable packaging and placing them into permanent jars or containers, typically clear to easily identify the contents. And who doesn't love looking at pantry staples like rice, pasta, cereal, or spices in beautiful containers? It is the ultimate sign of a fully organized pantry. But, even if this is a storage solution that often does work, it isn’t practical for everyone. Decanting can be exhausting and very time-consuming. It adds difficulty to the already tedious job of putting the groceries away. And if you have an active lifestyle, decanting your everyday pantry items may not be the best use of your time. The better tip: Be realistic. Remember that there’s no need to add stress to your day because something might look nicer in a different container. If you don’t enjoy the idea of decanting or want to make better use of your time, find some middle ground to keep your pantry looking great without getting yourself overwhelmed. Just choose the essential items to transfer into large, clear containers, such as rice or pasta, so you can better keep stock of your inventory. Other items, such as snack foods, are better left in their original packaging to be arranged in baskets. Just eliminate their outer box to save more room in your storage. If you're a busy home cook who loves your herbs and spices, you might want to only decant the ones that you use often so you can display them on your counter. For others, you can leave them in their original packaging and store them away. Or simply store them in the jars that they come in, instead of transferring them into matching display containers.   2. Color-coding everything. Color-coded clothing? Gorgeous. Color-blocked books? Vibrant and looks straight out of design magazines. And yet, even though the color-coding system is popular and visually appealing, it is extremely impractical and high-maintenance. You'll have to keep up with the color code of your clothes after every laundry. Similarly, it could be a pain to place the books back in order every time you use them, making your shelves less usable. The better tip: It might be easier to organize your closet by category or group your clothing by season. And unless you’re aiming for a statement bookshelf, you can group the books in your home library by genre or author. Or skip any organizing system and lean more towards other aesthetically pleasing but still functional ways to display your books, such as adding some greenery or using creative bookends.   3. Buying storage organizers without a plan. We think those storage containers, bins, or boxes are the ultimate solution to controlling and organizing the clutter in our homes. And sometimes, just looking at them is satisfying enough that you're tempted to buy! However, one of the biggest organizing mistakes you can make is purchasing any of these items without making a plan first. There might be millions of pretty jars or lovely baskets out there, but they won’t make sense if they won’t fit your needs and situation, as well as the storage spaces in your home. The better tip: Think things through before buying. Make sure you’ve sorted through your items first so you can plan accordingly. It’ll give you a clear idea of what size, shape, and color of item you’re looking for, and if the item fits your needs. You can plan out where everything should live, rather than get overwhelmed with a variety of storage solutions that you’ll have no idea what to put and where to place.   Bottom line Remember that while many of those organizational solutions look great in photos, they don't work well in real life. And the best organizing systems are the ones that make sense to you, even if they might not appeal to others, especially since we’re talking about your personal space, which is your home.

If you're a first-time buyer who's only just started your house-hunting journey, you might have heard the expression, house poor. Many of us are familiar with the term and understand it carries negative connotations, yet we do not know what it means.  Read more to find out what it means to be house poor and avoid getting into that situation. So you can live your homeownership life without regrets and become proud and happy with your investment. While there's no official definition of the term house poor, it describes the situation in which a homeowner spends a large portion of their monthly income on housing expenses. Aside from mortgage payments, this also includes other costs such as homeowners insurance, property taxes, utilities, and even maintenance. Even if they’re building equity with their home, their budget is stretched thin, with a little left over for other important expenses. Being house poor makes it difficult or impossible for them to achieve their other financial or personal goals, such as building a retirement fund, paying off debt, or enjoying life in general. In a recent survey by ConsumerAffairs, 69 percent of homeowners consider themselves house poor. The survey defines house poor homeowners as having little savings left after paying their mortgages and associated monthly expenses. Moreover, 54 percent reported that house-related expenses were their largest financial burden.   You may end up being house poor for many reasons. For instance, many first-time homebuyers fail to understand and consider the costs associated with buying and owning a home. They get caught up in the idea of owning their dream home without taking into account other expenses beyond the down payment and mortgage payment. Maybe you and your spouse decided that one of you will quit your job to become a stay-at-home parent. This setup could significantly change your financial situation since you're dependent on one income source. Likewise, a major change in your circumstances, such as a loss of a job or an unexpected illness, may stretch your budget to the max and make it even more difficult to pay your housing expenses.   Regardless of your median household income, you can be house poor if you're spending too much on your home. Here are some indicators that this is you: You spend a significant part of your income on housing costs. You regularly worry about whether you’ll be able to afford your monthly mortgage payment. You keep tapping into your savings to cover your mortgage payments. It’s becoming difficult for you to cover other expenses, such as groceries and transportation. You don’t have an emergency fund and can’t afford to start one because there’s no space in your budget. You feel that the cost of homeownership prevents you from pursuing your other wants and goals, such as traveling to new places or even engaging in a new hobby.   1. Know how much house you can comfortably afford. Before shopping for a home, it's important to figure out how much house you can comfortably afford, which may be a different number from the maximum mortgage you can get approved for depending on factors such as your credit score and debt-to-income ratio. Even if you can qualify for a higher mortgage loan, this doesn’t mean you have to accept the full amount. Experts advise buying less house than you can afford but still meets your needs. Likewise, remember to never go beyond your price range and stick to your home buying budget.   2. Do your homework before buying. Before plunging into homeownership, educate yourself about the various expenses associated with owning a house. Aside from calculating the down payment, closing costs, and your expected monthly mortgage payment, don't forget to also consider these costs: Utilities (water, gas, electric, trash, etc.) HOA dues Property taxes Maintenance, including gardening, pool service, snow removal, house cleaning, tree removal service, etc. Any potential repairs, like a leaky roof or water damage after a storm Especially if you will be transitioning from being a renter to a homeowner, remember that there won’t be a landlord who will cover many of these costs.    3. Plan for repairs and maintenance. Even if you purchase a house in very good condition, it will inevitably need big-ticket repairs over the years. A home warranty may be helpful to cover any unexpected breakdowns, but you probably can only rely on it during the first year or two. Moreso, if you've got your eyes on a fixer-upper. You’d need to get estimates and bids to plan ahead, plus prepare an extra budget for unforeseen expenses.  This is another reason to never skip a home inspection. Some buyers in crazy markets have been waiving property inspections to be able to sweeten their offer and shorten their closing date. However, a home inspection is highly recommended since it will help you discover all the current problems and potential issues before you sign on the dotted line. The seller might get the issues fixed before closing, or you will receive a price reduction to cover those repairs yourself. But if not, at least you have an estimate for repair expenses and can determine whether they fit comfortably in to your budget. For example, you can figure out if the roof is nearing its lifespan, or maybe the cracks in the foundation are early signs of structural damage.   4. Make a larger down payment if you can. Although many loans and homebuyer assistance programs allow you to make smaller down payments, waiting a bit and saving more before buying a house can also help avoid becoming house poor. By making a larger down payment, you'll be reducing the amount you need to borrow, therefore lowering your monthly payment. This also makes you considered a less risky loan, which results in a lower interest rate. Moreover, there’s no need to pay for private mortgage insurance, which lenders use to protect themselves in the event you default on the loan if you can put 20 percent down. This can save you thousands of dollars over the life of the loan. You just need to make sure that this option doesn’t deplete your savings.   5. Build a housing emergency fund. Aside from your savings, it's a good idea to put aside money every month strictly for housing expenses. Your housing emergency fund will provide you with a cushion to cover unexpected circumstances; for instance, if you lose your job or if something breaks, that leaves you with a hefty home repair bill that warranties or insurance won’t cover.   Bottom line Despite the difficulties, 53 percent of correspondents from the ConsumerAffairs survey said that homeownership is difficult but better than other options, including renting. This shows that even though buying and maintaining a home can be costly, for many, homeownership is still the right decision over the long term, and is still worth it in the long run. Remember to do your research before stepping into the frenzied real estate market. By understanding the pros and cons of homeownership by hiring a local and experienced real estate agent to help you get the best deal, you can enjoy the long-term benefits of owning a home and be proud to call yourself a homeowner.

It's love at first sight. The one that made your heart skip a beat. Maybe it was the charmer, the one needing a little bit of work, or even the one that got away.  No, we are not talking about a love match. We are talking about the house hunting journey. Finding your perfect dream home is similar to the elusive search for "The One". The more you think about it, the more you’ll see the similarities between finding the right person and the right property. Both take time, patience, effort, and even a few heartbreaks before you can settle down with your special one.  Here are a few of the similarities we've picked up on, together with some tips to help you find your most eligible candidate!   1. What you see online isn't always what you get. Whether it's a home or a person, you can only tell so much from looking at photos. Listing photos are like online dating profiles—sometimes what you see isn’t always what you get. There may be houses that look the best in photographs but may be disappointing in person. Whereas those with terrible pictures turn out to have incredible character and bones. The key is to keep an open mind and consider the potential in those with cosmetic flaws falling just a little short of perfection.  Likewise, carefully check the listing descriptions. They could offer hints and tips about the property that you might not be able to glean from the photos.   2. You've got to do your background research. Whether it's a person or a property, you need to do some hardcore background checks once you’ve found a potential match. Don't be deceived by their appearance alone.  Especially before buying a house, there are several ways you can do your homework. Explore the neighborhood at different times and days of the week. Visit nearby restaurants and shops, talk to potential neighbors, and learn about the quality of schools. It is advisable to check the latest crime rates, and look up the history of the house. If something feels off, talk with your realtor: they will be your guide to guarantee you won’t be investing in the wrong property.   3. You know what you want, but be prepared to make a compromise. When it comes to finding the one, you need to remember that no house or partner is perfect. You won't find your 100 percent match. This is why it’s important to know and understand what you really need versus what you want.  You might be following a set of standards when you’re just starting to date—tall, dark, handsome, paired with a good sense of humor, etc. Dating someone for their looks alone might be fun at first, but without substance, the relationship won’t last. The same is true when you’re looking for your next home. You might’ve fallen in love with a house because of its beautiful and spacious porch or a huge backyard, but it doesn’t have an extra bedroom or lacks the storage space you need for your family. If it doesn’t fit your needs, however beautiful it may be, you could end up regretting it later on. This is why you must prepare your list of priorities even before buying a home. When a listing or property is at least 85 percent a match for your must-have list, you might need to compromise with the remaining 15 percent.   4. You can't rush such a big decision. Like relationships, buying a house is a huge commitment. Unless your house hunt requires urgency, you shouldn't rush such a huge life decision. The reality is that it's most likely going to take time and effort to find “The One.” For starters, viewing properties is very time-consuming, so patience will be your best ally. In many markets, homes are getting snatched up even before the listings are updated online. You might be able to send a purchase offer, but there is lots of competition among buyers sparking bidding wars. This is why it is important to prepare yourself and not get invested too quickly, as it could lead to several house-hunting heartbreaks. There might not be as many fish in the sea because of the current low inventory, but trust the process. If you’re strategic with your house hunt with the help of an experienced real estate agent, you’ll be able to find the right home at the right time.

Once you've closed the deal and got the keys to your new home, the next exciting part is bringing your belongings with you so you can finally settle in. But rather than finding your new place in a spic and span state and enjoying the fresh start, you stumble across items that the sellers left behind. Unless the items have been part of the home purchasing negotiations, the general rule is that sellers are expected to take all of their belongings with them when they move out. But while it isn’t uncommon for previous homeowners to have forgotten a few items behind when they move, some leave with a house full of junk, which can be a nightmare to deal with. Staring at the sellers' abandoned clutter surely isn’t what you thought you should be doing on your first night at your new place. You probably already have plenty of questions in mind: Are you allowed to get rid of those piles of junk?What could you have done to avoid getting this mess in the first place? Dealing with this issue certainly isn’t enjoyable. However, there are steps you can take and even options to choose from when you find yourself in such a situation.   How to avoid it in the first place: The best way to handle this problem? Think ahead and prevent it from happening in the first place. Unfortunately, there's not a standard provision in the purchase agreement that deals with the scenario where sellers leave items in the house after closing. Thus, you and your real estate agent should ensure that your contract stipulates that the seller’s personal belongings and even garbage must be removed from the property by a certain date.  Moreover, if the seller does leave things behind, your contract should specify that you now own those items, and you may dispose of those items as you see fit. You could even allocate an agreed upon amount of money that will be deducted from the sale to cover the cost of removing all the abandoned items. You may also consider a penalty provision under which the seller could owe you monetary damages if all their belongings are not removed in time. However, you have to anticipate that you may need to delay the closing or moving date, and/or file a small claims case for breach of contract if this occurs (which will be discussed further).   By completing a thorough walkthrough with your agent before becoming the new owner, you can ensure that the house is empty and move-in ready. Apart from checking that everything is in working order, you can also check to make sure that the sellers have removed all of their personal belongings. Open all kitchen cabinets and drawers; even the bathroom vanity, closets, and all other storage spaces. It's even recommended to take photos of anything that’s not supposed to be there, so your agent can present them at closing.  More often than not, the sellers are just as anxious as you are so they may have forgotten the items they were storing. A final walkthrough is your chance to make sure that the seller has upheld their part of the agreement. If not, there’s still time to let them know that the house needs to be completely cleared out before the moving date. What to do if the previous homeowners left their belongings: If you're already faced with the issue of having your house full of the previous owner’s junk, there are still a few ways you can handle the problem.  As the official owner of the home, the abandoned items are now yours to deal with as you wish. There's no need for you to contact the seller if you decide to throw them away. But if you want to resolve the issue amicably with the seller, you could reach out and let them know that their items are still on the property.  Sellers who may have accidentally left their items, particularly those high-value ones, might agree to pick up their belongings. However, be wary of vague promises or “I’ll get those next week” arrangements, especially from owners who intentionally left their debris. If they didn’t show up after waiting for them to follow through, it’s a good idea to take photos of the items, get an estimate for the removal, and send them to the seller to pay.   If you have issues with the previous owners not picking their belongings up or refusing to pay to have their things removed, you may now go the legal route. Consult with your attorney about state- and town-specific guidance regarding such issues. You may seek reimbursement for the cost of the junk at a small claims court based on a breach of contract. Remember that these cases can take months and that there are no guarantees.   Packing and moving your belongings is already stressful enough. It's completely understandable if you don’t want to sort through someone else’s possessions and would prefer to have everything hauled away. But if you’re motivated to make the most of what the previous owner left behind, you could keep or donate the useful items. Since buying and moving included some expensive upfront costs, maybe you could benefit from the free yet still functional furniture, home decor, or even kitchenware. You could also donate items like old clothing to local charity shops or organizations. Whether you choose to donate, sell, discard, or keep these items— it’s already up to you.   Unfortunately, if the previous homeowners only left things that are practically worthless, irreparably damaged, or broken, you might not find anything worth keeping or donating. Your best choice is to hire a junk removal company specializing in hauling away trash, furniture, and other unwanted clutter. By getting rid of the unwanted things, you finally free up space in your new home so that you can start unpacking and settling in.

n theory, there's no rule about how quickly a seller has to respond to purchase offers. You can take as long as you want before responding since there is no official time frame. However, the industry standard is to get back to interested buyers within 24 to 72 hours. This is a common courtesy observed by many professionals in the industry. The exception is for certain states, such as California, where an offer will be considered revoked if it's not signed by the seller and delivered back to the buyer by 5 P.M. on the third day after the buyer signs it. A buyer can enter a specific date into the agreement or keep the default of the third day. In this case, all money paid by the buyer, such as earnest money, would be promptly refunded. In states that don’t have specific rules and guidelines, sellers usually respond within one to three business days.   When an offer from a qualified buyer comes in, you can respond in one of three main ways: 1. Accept the offer as-is - This is the best case scenario for any buyer making an offer. Should you receive a spectacular offer where you agree to all the terms, conditions, and contingencies in the purchase contract, it could be worth signing on the spot. Accepting an offer sans any changes means the buyer can now move to the home inspection. 2. Send a counteroffer - While some offers may be close to what you were looking for, some may still contain a few deal breakers on your end. This is when you can make a counteroffer, which lets you come back with a proposed price or change of terms to meet your needs and keep the conversation going.  When you respond to an offer with a counteroffer, it may include different things, such as: A higher price. A lower price but with a proposal to take out appliances or furniture initially included in the price. A different split of the closing costs. Different contingencies or the conditions to be met to complete the deal. A change in the closing date. Once you send a counteroffer, the buyer will have a deadline for them to respond. They will only have a chance to accept or deny the offer. 3. Reject the buyer's offer in writing - Especially in a seller’s market, it isn’t uncommon to receive multiple offers on your property. While you’re not obligated to send a written rejection to an offer, it is considered the polite thing to do. This signals to the buyer that it’s time to move on to another property. However, once you’ve rejected an offer in writing, it is difficult to extend that buyer a counteroffer should your original accepted offer fall through.   While you or your listing agent may acknowledge receipt of a buyer's offer, that’s not the same thing as responding to it. Here are several reasons why you may not respond: Offer is too high or too low A lowball offer or an offer that is significantly below the asking price could be insulting and may signify that the buyer isn’t serious. Meanwhile, an offer that is too high may not be realistic, especially if the buyer will need financing. The lender will only approve a loan after an appraisal is completed and within the home’s market value. You want to review all offers at once If you want to review all offers at once, it’s a good idea to wait until all offers are in before responding to buyers. The only downside is that other qualified buyers who are hoping for a quick reply may simply withdraw their offers.  You’re waiting to hold a public open house If you have an open house scheduled soon, it may be wise to hold off on reviewing offers until after the event to increase your chances of receiving the best offer.   Work with a top and experienced real estate agent Entertaining and reviewing purchase offers will be a lot less stressful when you have a real estate professional by your side. They will help you pick the “best” offer for your circumstances and not just automatically the one with the highest offer price. Working with an experienced realtor will also ensure that you are well educated on the process. Create a pros and cons list With the help of your agent, you can create a spreadsheet to clearly see the benefits and drawbacks of all offers on the table. Will you choose a higher offer price but with a shorter closing period, or a slightly lower offer price but with a flexible closing date? Working through the pros and cons will help you settle these considerations depending on your current situation, and hopefully will help you make the best decision.

You've bought your first home—congratulations! It’s a huge milestone you finally accomplished after what could be years of saving up for the down payment. However, once you’ve moved into your new home, that’s when it hits you. Your house now requires far more furniture than the tiny apartment you rented. And the furniture is expensive.  You've factored in other costs with owning a home, including maintenance costs and even property taxes but how about your furnishing needs? The last thing you’d want is to blow your entire budget and incur debts just to save your rooms from being lonely and bare. If that’s a scenario you’d want to avoid, we’ve compiled some of the best tips to help you furnish your home without draining your bank account. By combining these thrifty ways with a little creativity and a whole lot of patience, you can furnish and decorate your home and make it uniquely yours.   Take inventory and repurpose what you already have. As much as we would like to furnish our new home with fresh furniture and pieces to achieve similar looks from our Pinterest boards or Instagram feeds, for most of us, that might be unrealistic. So before you buy anything, take inventory of everything you already own. Take a hard look at your existing furniture and decor and see if any can be refashioned or reused. Likely, many of the items you already own are already nice pieces that will work in your new home. Or some of them just need a little bit of sprucing for them to match your new space. Sit down and evaluate each item, and then make a “to keep” list, excluding items that are beyond repair or that you can't stand the sight of any longer. Keep an open mind and decide where each item will be placed. Just remember the most important thing: while you don’t have to use these pieces forever, it can be a great way to fill in spaces in your new home until you can afford to upgrade.   Visit thrift shops and consignment stores. Before buying anything new from pricey, high-end stores, you may want to visit your local thrift stores and consignment shops. They often sell high-quality items for lower prices, and there's a huge chance you’ll find some great deals if you look hard enough. The stigma of secondhand shopping is rapidly declining due to the popularity of sites like Facebook Marketplace, and online auction and swap sites like eBay, Etsy, Craigslist, and LetGo. While some pieces may need to be refinished and may take a little elbow grease, they may end up being your favorite items because of their distinct character that can’t be associated with items from big furniture stores. If you have concerns about the germs, stains, and even possible infestations from used items, it’s valid, especially during the time of Covid-19. That being said, there are items you definitely shouldn’t buy used. Otherwise, second-hand items aren't any more “germy” than brand new products. Just keep in mind to appraise these items thoroughly before taking them home. Check their material, durability, and whether they are fairly clean and free from bugs or insects. And once you’ve guaranteed they’re still in decent shape, you’ll have a treasure you’ve saved from going into landfills.   Or search for yard and estate sales in your area. Aside from thrift stores, local yard sales, flea markets, and even estate sales are also a gold mine for affordable furnishings and other household items. You can find great items from people holding a yard sale, such as curtains and blinds, wooden furniture like cupboards, coffee tables, or bookcases, and other home decor items. As a rule, steer clear of items like electronics and appliances in garage sales. If something goes wrong with the TV or an old gaming console you bought, you won't have any guarantee on the merchandise, unlike if you purchase them from reputable retailers.    Watch out for seasonal sales. Furniture is a huge purchase, but it isn't impossible to catch a sale in one of your local stores or discount warehouses. Look at multiple stores and keep an eye out for deals, especially after the holidays and whenever the seasons change. For example, you might want to shop mid-winter (January and February) or the end of summer (August and September), as retailers will be discounting their old stock during these months to make room for new styles.  If you’re looking to find bargain outdoor furniture, fall can also be a great time to shop. People seldom shop for a patio set at the end of that season. Likewise, you could also wait until holidays such as Memorial Day, the 4th of July, or Labor Day, when there are usually great sales on furniture. Just be patient and remember that if what you’re looking for isn’t on sale now, it might be in a few months.   Look for freebies. If you are trying to furnish your new home on a shoestring budget, it won't hurt to use social media to look for freebies. Depending on where you live, there might be people in your community or near your area that are looking to buy, sell, or give away items for free, especially on Facebook groups. You’ll be surprised how much free stuff is on offer, mostly furniture and other items that are still in good condition. You can even score name-brand stuff if you get lucky, and all you have to do is to pick it up and move it yourself.   Get creative with paint. Don't be dissuaded if an item you like is a little worn or is the wrong color. You can give new life to these pieces, like a hand-me-down dresser or a side table, by using a fresh coat of paint. There are plenty of websites with DIY tutorials where you could pick up unlimited ideas on how to turn drab but well-loved items into conversation pieces. Feel free to explore and experiment with colors that you love, and how you can incorporate them into your furniture or home decor.    Remember to splurge on certain items. While you're dedicated to spending less to complete your new home’s look, there are a few new purchases for which you should budget. Don’t skimp on items that you need to guarantee their quality and cleanliness. For instance, if you’ve scored a sturdy and brand-new-looking bed frame from a garage sale. Splurge on a new mattress, along with new beddings, linens, pillows, and pillowcases. Don’t forget to also spend on a new sofa or any upholstered furniture, bath towels, knives, and non-stick cookware, among other things. The key is to know when it’s worth shelling out more bucks, especially if there are potential safety and health risks involved.   Everybody wants a nice and cozy home, and achieving that is probably every buyer's goal once they get their keys. But remember that your home is a work in progress — it won’t be completed overnight. You have to be patient in accumulating the pieces you want, especially if you still need to save enough money. You may have to start with the essentials first, perhaps a bed frame and mattress. Bringing your space to life will never be a competition or a marathon. You can live there and entertain guests even if it isn’t fully furnished. Embracing the process won’t only help you avoid making purchases that are way past your budget, but you’ll end up with a home that’s thoughtfully decorated. It will be filled with furnishings you really love and which speak highly of your taste, style, and work for you and your family best.

The coronavirus pandemic turned the real estate market into a frenzied rollercoaster ride for both buyers and sellers. Especially because of the historically low mortgage rates coupled with the inventory shortage.  But with the pandemic subsiding, the burning question is, what will happen in real estate in 2022? Housing experts forecast the market could calm down this year and ease up a little, especially for many first-time buyers. While no one knows what the future has in store, here we have compiled a list of five real estate trends that home buyers and sellers should be aware of as they navigate the market this year.   Due to the surge of buyers during the pandemic, both existing and new home inventory has been extremely low throughout 2021. According to experts, inventory will remain scarce this year and we will continue to be in a seller's market. The February 2022 Monthly Housing Market Trends Report by the National Association of Realtors® (NAR) revealed that the national inventory of active listings declined by 24.5 percent over last year, while the total inventory of unsold homes, including pending listings, declined by more than 15 percent. Newly listed homes were also down 0.5% nationally compared to a year ago. One of the main catalysts for the low inventory is that homeowners have been hesitant to list their homes for sale, as there is no guarantee they will be able to find an affordable home to purchase or a rental to lease. Builders are trying to ramp up production, but new home construction isn’t keeping up with the surge in demand. There have been huge issues with the supply chain, which made construction materials more expensive and difficult to come by. Tips for buyers: To find a good home in this tight market, do as much legwork as possible. Make sure you get pre-approved for a mortgage before you even start house-hunting. Sacrifice some of your nice-to-haves for your must-haves. If the neighborhood you have been eyeing is too competitive, try to expand your search. Lastly, do not hesitate to work with a local and experienced realtor who can help you navigate the complicated process of buying a home, especially if you’re a first-time buyer. Your agent knows what is happening on the market and can give you the best advice to find the perfect home that fits your budget and lifestyle. Tips for sellers: Low inventory, where homes are being snatched up fast, means less competition! Even if your home isn’t quite as appealing to many other buyers, or you intend to sell as-is without renovations, you still stand a better chance in the current real estate market. Just make sure you plan for your next home before you decide to sell.   Over the past year, mortgage rates have stayed extremely low, but that will likely change in 2022. New projections by the Federal Reserve show seven rate hikes this year, up from three projected rate hikes in December 2021, which means mortgage rates will likely rise. Both Redfin and Realtor.com predict a 30-year-fixed mortgage rate will reach 3.60 percent, while the Mortgage Bankers Association expects the average rate on a 30-year loan to reach 4 percent, by the end of 2022. The combination of lingering inflation, consumer spending, and the pandemic subsiding is what's driving mortgage rates higher.   Just like groceries, gas, and everything else, house prices are going up. And while historically low mortgage rates helped offset the higher listing prices in 2021, experts forecast both home prices and mortgage rates to go up this year. According to a recent report by the NAR, the national median sales price of single-family existing homes increased to $363,700 by the end of 2021, mainly due to strong home buyer demand and limited housing supply. In 2022, existing home sales prices will continue to increase, rising 2.9 percent. Tips for home buyers: Know how much house you can really afford and commit to staying within that budget no matter what. Likewise, take the time to research lenders who have a good combination of low rates and low fees, then apply for a mortgage pre-approval. Tips for home sellers: Higher home prices mean a nice profit is on the horizon! But to get more money from your biggest investment, work with an experienced and local real estate agent to help you get the best offer for your home.   Home appreciation refers to a home or investment property that increases in value over time. Throughout 2021, homes appreciated at rapid rates, mainly because the market has been so hot across the country. Housing experts suggest it may change in 2022, they expect the rapid appreciation rate to slow down and will be lower than last year. According to the NAR, home sales will take a breather after what has been a spectacular housing market in 2020 and 2021. Thus, home price appreciation is expected to be at 2.8 percent this year, down from 14.7 percent in 2021. Tips for home buyers: The slowdown provides a better environment for buyers because the homes they purchase may not skyrocket in value as quickly as they would have in 2021, and may help avoid bidding wars. But at the same time, prices won't seem to be going down. Many Americans will also no longer face the prospect of home values far outpacing their pay raises.   In 2022, renovations will continue to come in all shapes and sizes. More people will gravitate towards using nature-inspired colors to give a calming vibe to their homes, including greens, blues, taupes, and browns. Many potential and recent buyers are drawn to colors associated with water and sky, as demonstrated in Zillow's interior paint color analysis. Research has found that homes with light blue bathrooms could sell for 1.6 percent more than expected or nearly $5,000 on a typical U.S. home. Meanwhile, dark, moody blues in the bedroom could sell for a $1,500 premium. Aside from matching the colors of Mother Earth, sustainability is also a top priority, especially for younger homeowners. Home listings with descriptions mentioning eco, energy-efficient, or similar terms have sold more than two days faster than expected. Listings that mention drought-resistant features sold 13 days faster, and smart sprinkler systems and double pane windows installed for energy conservation were associated with homes selling more than a week quicker than expected. After the tough two years, one thing that almost everyone learned is to prioritize their mental health. We see this reflected in thoughtful wellness home designs, including retreat features such as meditation rooms, reading nooks, and even spa-inspired bathrooms. According to Zillow, a freestanding bathtub can lead to a 2.6 percent premium on a home’s sale price. Even features such as a “she shed” can help a home sell for 2 percent more than expected. Natural light will also be a priority, especially in home offices and common spaces.

A roof is one of the least thought of components of a home, but it's undoubtedly one of the most important. That lovely front porch or lush garden may be the first features that catch your attention when you drive by a home or during house-hunting. However, you shouldn’t fail to notice the roof as well, considering that it makes up a third of the exterior view of your home (or even more) and is a huge part of your curb appeal. And we're here to tell you four reasons why having a healthy, well-maintained roof over a home is critical, and how to tell if it already screams maintenance and extra attention. Roofs are a fundamental element to your home, which is probably one of your largest investments. Because the roof connects the interior of your home to the outside world, it serves as a barrier against inclement weather conditions. A healthy roof guards you against snow, hail, rain, ice, sun, even from branches and debris. If your roof is in poor condition, it can leave your home susceptible to considerable weather damage. Even tiny leaks could lead to mold, mildew, and other similar water problems that could damage your home systems and your health.   Aside from braving the elements, a properly ventilated and insulated roof will save you money on heating and cooling. The seals in your roof are what helps in keeping in your climate-controlled air. It releases humidity and heat from your home, which can be as damaging as rain from the outside. A roof in top shape is key to cooler summer temperatures and warmer winter ones inside your home. And when your home's indoor temperature is steady, it doesn’t only make it more comfortable but can also significantly cut down your energy costs.   A healthy roof makes the rest of your home relatively safer. This is why many homeowners insurance providers consider the age, condition, material, and shape of your roof when determining your insurance coverage and costs. Remember that this benefit may not work in all situations and still depends on various factors.  For example, if you take the initiative to improve the quality of your house and opt for a complete roof replacement, the insurer will likely lower your premiums. Some companies may also provide discounts, which can give you substantial savings. But if the insurance company schedules a roof inspection and enforces a roof replacement, your rates will likely remain the same or could even go up. Likewise, homeowners living on the coast where there's the constant threat of hurricanes, thus prompting multiple insurance claims for roof repairs, could result in an insurance rate increase instead of the opposite.   A strong and well-maintained roof is a prominent feature that can improve the appearance of your home. Even if you have no plans to sell soon, a roof that looks “taken care of” increases your curb appeal. If you decide to list your home, it's a good selling point as it can significantly increase your home’s value.  Since it’s a conspicuous element of the house, prospective buyers can easily see any visible signs of wear and tear that could deter them from buying. It will prompt them to assume that there might be other areas of the home that are being neglected.    Curling, damaged, loose, or missing shingles - These are clear signs that your roof needs some serious repairs, especially after a storm or other natural disasters. Light coming from the attic - Daylight coming from the roof boards means your roof has holes. Address this immediately by calling the pros to reduce water damage in the home. Stains - Notice some ugly black streaks on your roof? They may be dirt, soot, or mold. However, this can be an indication of algae and moss damage, which degrades the shingles and may cause water damage. It could compromise the health of your roof if the damage becomes widespread. How old is your roof? In general, roofs last about 20-30 years. However, the actual lifespan of your roof depends on several factors, such as the roofing material, quality of installation, environmental conditions, among others. The older your roof, the more likely it is to experience issues, so plan ahead if yours is already nearing its life expectancy and a roof replacement is more necessary than just repairs.

Just how much do we love our pets? Several surveys showed how much pets are affecting the homebuying process. Pets influence many buyers on the types of homes and neighborhoods they search for, becoming the biggest reason their favorite humans decide to become homeowners. A 2021 homes.com survey of 1,600 homeowners who are also pet owners showed that 68 percent of respondents who weren't already living in a pet-friendly home said they have moved for the sole purpose of accommodating their pets. Another joint survey from Rover and Zillow found that 62 percent of pet parents consider moving to a new home to accommodate their dog. Likewise, listings that mentioned dog-friendly features such as fenced backyards, dog runs, and dog houses sold faster. House-hunting is no easy task. And with your pets and their needs in mind, it might be even more challenging. While there might not be what you can call a ‘perfect' place, asking these five questions will hopefully get you close to finding the best home for your family and pets.   Every state, county, town, city, and even some neighborhoods, have specific laws and ordinances regarding pets. By reading up about local regulations before committing to a neighborhood and a home, you'll be aware of important information such as: Pet type and breed restrictions Pet licensing and registration Types of fences or other structures that you can install in your yard The number of pets allowed per residence Leash requirements Vaccinations Loose dogs Spay and neuter guidelines When local authorities can impound or euthanize your pet If you are looking to move to a condo or community with a homeowners association, pet restrictions may be a bit tighter. Research the local rules beforehand so you won’t be caught off guard by unexpected regulations or expenses when you move in. Don’t forget to consult with your local real estate agent or the HOA to further your knowledge of the rules.   We treat our pets like family and want only the best for them. So when looking for a new home, you must check for the nearest veterinarian and the proximity of other pet services, including supply stores and animal hospitals. This may depend on how far you're moving, so don’t be afraid to ask for recommendations from your current veterinarian. It’s especially crucial if you have a young or senior pet prone to emergencies. Your real estate agent is your tour guide who can point you in the direction of the local hotspots, including pet-friendly cafes or restaurants, and dozens of other services catered to your pet’s needs.   Speaking of your pet's welfare, you may want to consider moving to a community with plenty of sidewalks and good walking routes. Even the most obedient dogs or cats can sneak out and wander about, so you may want to steer clear of busy streets and be aware of how heavy the traffic gets in your neighborhood. Dog parks are another great amenity to search for when house-hunting with your pets in mind, especially if they need more room to play and exercise. It’s also a must not only for your pet but for you as well, so you’ll both be motivated to walk and exercise more often, especially during leisurely weekends.   After considering the location and making sure your potential neighborhood is pet-friendly, the yard, or lack thereof, is the second thing to look out for in your potential home. Is the backyard big enough for you and your pet? It's important for dog and cat owners because even if you prefer to keep them indoors, it’s still a good idea to have a yard with room to roam. A fenced-in yard is your best option to provide safety and security for your pets when they’re enjoying the outdoors. If there is already a fence, inspect it to ensure that it’s still in good condition and that it’s high enough that your dog can’t jump over it. But if a fence is lacking, you may need to factor that cost into your budget. As long as you’ve done your research on local restrictions, it might be easier for you to consider the size, type, and material of the fence that’s allowed and works for your family’s needs.   The inside matters just as much as the outside when finding a new place for you and your pets here are some of the pet-friendly features to consider: Durable and pet-appropriate flooring Carpet isn't the ideal flooring choice as they trap pet hair and can be difficult to keep clean. You may need the appropriate cleaning supplies to remove pet stains and odors, and they tend to wear out quickly. Hardwood floors usually fare better with pets, as they’re easier to clean and restrain. However, you may want to consider large rugs and runners to minimize damage. While it all boils down to what fits your lifestyle and tastes best, some of the floorings most recommended by experts are vinyl plank and tile. They’re mostly durable, cost-effective, easy to clean, and scratch- and water-resistant, so they can withstand water bowl spills, accidents, or even skidding paws. Adequate space Always consider the size and number of your pets when touring homes. Extra space is a huge bonus, especially if you have indoor-only pets that need space to run and play safely. You also want to have a designated space where you can keep their bed, toys, crate, as well as food and water. This ensures they have a space of their own while making it easier to keep your home organized.  Washing station or space for clean-ups Spaces that can be dedicated to pet cleanup have been gaining popularity. Doggie showers or washing stations located in entryways and mudrooms are just some ideal features that will make it easier for you to clean up your pets after playing outdoors. Other pet-approved upgrades, like doggie doors or built-in feeding stations, are beneficial to have included instead of having to add yourself. Pet-friendly layout and design Lastly, keep your pet’s age and breed in mind. Common features like stairs can become a problem when your pet’s mobility decreases as they age, or if they have certain health conditions. If a multi-level home is what you’re looking for, features like ground-level entryways and fenced-in areas may be beneficial to ensure that your pet doesn’t wander without supervision.