Top​ ​10​ ​Real​ ​Estate​ ​Tips​ ​for​ ​the​ ​Fall    High​ ​demand​ ​and​ ​low​ ​interest​ ​rates​ ​continue​ ​to​ ​drive​ w ​ e​ ​buy​ ​houses​ ​miami​​ ​housing​ ​sales  this​ ​month.    While​ ​home​ ​prices​ ​for​ ​starter-to-midrange​ ​homes​ ​are​ ​pushing​ ​upward​ ​toward  pre-recession​ ​peaks,​ ​especially​ ​in​ ​secondary​ ​markets,​ ​they’re​ ​stabilizing​ ​in​ ​higher-priced  areas.   

    Prognosticators​ ​see​ ​the​ ​robust​ ​markets​ ​of​ ​Seattle,​ ​Portland​ ​and​ ​Denver​ ​as​ ​this​ ​year’s​ ​top  performers,​ ​with​ ​10​ ​percent​ ​to​ ​11​ ​percent​ ​price​ ​growth.​ ​If​ ​mortgage​ ​rates​ ​rise​ ​modestly​ ​as  expected​ ​in​ ​2017,​ ​sales​ ​elsewhere​ ​may​ ​normalize​ ​with​ ​smaller​ ​price​ ​appreciation,  especially​ ​as​ ​housing​ ​starts​ ​rise​ ​to​ ​fill​ ​the​ ​inventory​ ​breach,​ ​but​ ​recently,​ ​rates​ ​have​ ​been  on​ ​the​ ​decline.    Here​ ​are​ ​10​ ​tips​ ​to​ ​adapt​ ​to​ ​the​ ​latest​ ​we​ ​buy​ ​houses​ ​miami​​ ​market​ ​conditions.    1.​ F ​ irst-time​ ​homebuyers:​ ​Get​ ​that​ ​starter​ ​home​ ​now    And​ ​we​ ​mean​ ​now!​ ​More​ ​than​ ​half​ ​of​ ​the​ ​home​ ​sales​ ​(52​ ​percent)​ ​in​ ​2017​ ​are​ ​expected​ ​to  be​ ​to​ ​first-time​ ​buyers,​ ​and​ ​mostly​ ​to​ ​the​ ​millennial​ ​set​ ​(19​ ​to​ ​34​ ​years​ ​old),​ ​many​ ​moving  from​ ​urban​ ​rentals,​ ​research​ ​by​ ​the​ ​National​ ​Association​ ​of​ ​Realtors​ ​shows.​ ​That​ ​means 

competition​ ​—​ ​and​ ​bidding​ ​wars​ ​—​ ​could​ ​become​ ​fierce​ ​through​ ​the​ ​rest​ ​of​ ​the​ ​year​ ​for  such​ ​“starters”​ ​in​ ​desirable​ ​areas.    While​ ​there’ll​ ​be​ ​less​ ​inventory​ ​this​ ​winter,​ ​there’ll​ ​also​ ​be​ ​less​ ​competition​ ​per​ ​unit​ ​and​ ​a  higher​ ​percent​ ​of​ ​motivated​ ​sellers.​ ​Before​ ​you​ ​shop​ ​for​ ​homes,​ ​check​ ​out​ ​our​ ​best  mortgage​ ​options.    2.​​ ​Sellers:​ ​Hire​ ​the​ ​right​ ​agent    Oftentimes,​ ​the​ ​best​ ​investment​ ​a​ ​seller​ ​can​ ​make​ ​is​ ​time​ ​spent​ ​researching​ ​agents.​ ​A​ ​bad  hire​ ​can​ ​cost​ ​sellers​ ​tens​ ​of​ ​thousands​ ​of​ ​dollars​ ​and​ ​months​ ​of​ ​worried​ ​waiting.    First,​ ​look​ ​at​ ​an​ ​agent’s​ ​online​ ​marketing​ ​material​ ​and​ ​listings.​ ​Is​ ​there​ ​good​ ​photography  or​ ​video?​ ​Does​ ​it​ ​“pop”?​ ​Are​ ​descriptions​ ​accurate​ ​and​ ​complimentary​ ​without​ ​seeming  exaggerated?    Then,​ ​look​ ​at​ ​profiles​ ​of​ ​the​ ​agents​ ​on​ ​LinkedIn,​ ​Facebook​ ​and​ ​other​ ​social​ ​media;​ ​and​ ​be  sure​ ​to​ ​read​ ​web​ ​reviews.​ ​What​ ​kind​ ​of​ ​vibe​ ​is​ ​an​ ​agent​ ​sending​ ​out?    Narrow​ ​your​ ​search​ ​to​ ​three​ ​agents​ ​and​ ​interview​ ​each,​ ​ideally​ ​in​ ​person.​ ​Ask​ ​for  sales-activity​ ​reports,​ ​existing​ ​listings​ ​and​ ​time-on-the-market​ ​averages,​ ​plus​ ​the​ ​requisite  local​ ​comps.    A​ ​seasoned​ ​listing​ ​agent​ ​also​ ​will​ ​know​ ​the​ ​best​ ​times​ ​for​ ​open​ ​houses​ ​and​ ​how​ ​to​ ​initiate​ ​a  price​ ​war​ ​if​ ​the​ ​market​ ​allows.​ ​Never​ ​consent​ ​to​ ​a​ ​listing​ ​contract​ ​of​ ​longer​ ​than​ ​90​ ​days​ ​in  a​ ​seller’s​ ​we​ ​buy​ ​houses​ ​miami​​ ​market.​ ​You​ ​can​ ​always​ ​extend​ ​later.    3.​ B ​ uyers:​ ​There’s​ ​more​ ​loan​ ​money​ ​out​ ​there    Those​ ​who​ ​couldn’t​ ​get​ ​mortgages​ ​during​ ​the​ ​downturn​ ​because​ ​they​ ​didn’t​ ​have​ ​20  percent​ ​to​ ​put​ ​down​ ​can​ ​find​ ​affordable​ ​financing​ ​again.    Borrowers​ ​with​ ​FICO​ ​scores​ ​as​ ​low​ ​as​ ​690​ ​are​ ​now​ ​getting​ ​conforming​ ​mortgage​ ​loans  (those​ ​under​ ​$417,000).   

How​ ​to​ ​Sell​ ​House​ ​Fast  One​ ​telling​ ​sign:​ ​About​ ​two-thirds​ ​of​ ​mortgage​ ​refinancers​ ​were​ ​getting​ ​approved​ ​in​ ​the  fourth​ ​quarter​ ​of​ ​2016​ ​compared​ ​to​ ​just​ ​one-half​ ​of​ ​those​ ​at​ ​the​ ​end​ ​of​ ​2014.    However,​ ​borrowers​ ​without​ ​a​ ​20​ ​percent​ ​down​ ​payment​ ​will​ ​still​ ​pay​ ​private​ ​mortgage  insurance,​ ​or​ ​PMI,​ ​until​ ​they​ ​hit​ ​the​ ​20​ ​percent​ ​to​ ​25​ ​percent​ ​equity​ ​mark. 

  The​ ​best​ ​rates​ ​go​ ​to​ ​those​ ​with​ ​800-plus​ ​credit​ ​scores,​ ​though​ ​750-plussers​ ​are​ ​getting  virtually​ ​the​ ​same​ ​terms.Check​ ​your​ ​credit​ ​score​ ​for​ ​free​ ​at​ ​myBankrate.    Unfortunately,​ ​those​ ​seductive​ ​interest-only​ ​loans​ ​are​ ​also​ ​on​ ​the​ ​menu​ ​again.​ ​Avoid​ ​them.  They’re​ ​affordable​ ​at​ ​first​ ​since​ ​you’re​ ​not​ ​paying​ ​principal,​ ​but​ ​then​ ​years​ ​later,​ ​well​ ​…​ ​see  the​ ​Great​ ​Recession​ ​of​ ​2008.  4.​ S ​ ellers:​ ​It​ ​may​ ​be​ ​a​ ​seller’s  market​ ​but​ ​…    Home​ ​sellers​ ​can​ ​do​ ​several  simple​ ​things​ ​to​ ​enhance  appearance,​ ​increase​ ​buyer  interest​ ​and​ ​boost​ ​their​ ​home’s  profile:    ● Renew​ ​selectively:​ ​Instead  of​ ​wholesale​ ​renovations​ ​from  which​ ​sellers​ ​recoup​ ​maybe​ ​60  percent​ ​on​ ​investment,​ ​do​ ​light  makeovers​ ​everywhere,​ ​with​ ​an  eye​ ​on​ ​the​ ​kitchen​ ​and  bathrooms.​ ​They’re​ ​far​ ​more  cost-effective.  ● Clean,​ ​clean​ ​and​ ​clean  some​ ​more:​ ​It’s​ ​hard​ ​for​ ​buyers​ ​to  picture​ ​themselves​ ​living​ ​in​ ​a​ ​dirty​ ​house.​ ​Scrub​ ​floors,​ ​baths,​ ​kitchens,​ ​windows​ ​and  walls,​ ​and​ ​be​ ​sure​ ​to​ ​clean,​ ​vacuum​ ​and​ ​deodorize​ ​rugs.​ ​This​ ​is​ ​simple​ ​but​ ​effective.   ● Depersonalize,​ ​declutter:​ ​Show​ ​the​ ​space,​ ​not​ ​the​ ​contents.​ ​Box​ ​up​ ​family​ ​photos,  kids’​ ​school​ ​papers​ ​and​ ​excess​ ​art,​ ​and​ ​store​ ​bulky​ ​and​ ​worn​ ​furniture.​ ​Organize  your​ ​closets​ ​to​ ​make​ ​them​ ​look​ ​half​ ​empty.  Illuminate:​ ​Think​ ​bright​ ​and​ ​cheery.​ ​Open​ ​drapes​ ​and​ ​add​ ​brighter​ ​light​ ​bulbs​ ​in​ ​dark  areas.​ ​Repaint​ ​where​ ​needed​ ​but​ ​use​ ​neutral​ ​colors.    5.​ R ​ enters:​ ​It​ ​might​ ​be​ ​time​ ​to​ ​buy    In​ ​many​ ​cases,​ ​rents​ ​are​ ​rising​ ​faster​ ​than​ ​home​ ​values,​ ​yet​ ​mortgage​ ​rates​ ​remain​ ​low.  That,​ ​and​ ​the​ ​fact​ ​that​ ​renters​ ​now​ ​account​ ​for​ ​37​ ​percent​ ​of​ ​households​ ​(the​ ​highest​ ​level  in​ ​50​ ​years),​ ​seem​ ​to​ ​indicate​ ​an​ ​imminent​ ​coming-out​ ​party​ ​for​ ​renters-turned-buyers,  especially​ ​if​ ​they​ ​plan​ ​to​ ​stay​ ​put​ ​for​ ​five​ ​to​ ​10​ ​years​ ​after​ ​buying.    Check​ ​out​ ​a​ ​buy-versus-rent​ ​calculator​ ​like​ ​Bankrate’s​ ​to​ ​compare​ ​affordability.   

Looking​ ​to​ ​stay​ ​in​ ​your​ ​house​ ​and​ ​not​ ​sell?​ ​Find​ ​the​ ​best​ ​refi​ ​rates​ ​now.    6.​ I​ f​ ​you’re​ ​a​ ​buyer,​ ​don’t​ ​believe​ ​the​ ​house​ ​is​ ​yours    Don’t​ ​bank​ ​on​ ​a​ ​done​ ​deal​ ​or​ ​other​ ​verbal​ ​promises​ ​from​ ​listing​ ​agents​ ​until​ ​you​ ​sign​ ​a  contract.    In​ ​heated​ ​markets​ ​across​ ​the​ ​country,​ ​sales​ ​agents​ ​are​ ​giving​ ​buyers​ ​false​ ​hope​ ​and​ ​using  their​ ​offers​ ​to​ ​bid​ ​up​ ​the​ ​price​ ​for​ ​preferred​ ​buyers​ ​who​ ​they​ ​think​ ​can​ ​pay​ ​more​ ​and​ ​close  faster.​ ​Have​ ​other​ ​homes​ ​in​ ​mind.    Strategies​ ​such​ ​as​ ​preapproval​ ​(versus​ ​prequalification),​ ​proof​ ​of​ ​funding,​ ​closing​ ​flexibility  and​ ​the​ ​always-risky​ ​practice​ ​of​ ​waiving​ ​inspection​ ​and​ ​repair​ ​contingencies​ ​can​ ​help​ ​sway  buyers.   

    For​ ​added​ ​clout,​ ​tell​ ​sellers​ ​you’re​ ​willing​ ​to​ ​“escalate,”​ ​or​ ​exceed​ ​all​ ​offers​ ​to​ ​a​ ​certain​ ​limit.  Some​ ​agents​ ​even​ ​advise​ ​buyers​ ​to​ ​write​ ​so-called​ ​“love​ ​letters”​ ​to​ ​sellers,​ ​telling​ ​them​ ​how  much​ ​the​ ​home​ ​will​ ​mean​ ​to​ ​their​ ​families.    7.​ S ​ ellers:​ ​The​ ​grass​ ​is​ ​always​ ​greener​ ​…   

…​ ​in​ ​yards​ ​with​ ​a​ ​“sold”​ ​sign.​ ​Major​ ​presale​ ​upgrades​ ​typically​ ​aren’t​ ​needed,​ ​but​ ​a​ ​little  greening​ ​outdoors​ ​is​ ​a​ ​must.    Surveys​ ​show​ ​that​ ​strong​ ​curb​ ​appeal​ ​can​ ​increase​ ​prices​ ​by​ ​10​ ​percent​ ​or​ ​more.​ ​Greener  grass,​ ​whether​ ​derived​ ​from​ ​new​ ​sod​ ​or​ ​fertilizer​ ​and​ ​water,​ ​is​ ​a​ ​must.    New​ ​shrubs,​ ​plantings​ ​and​ ​flowers​ ​also​ ​project​ ​a​ ​welcoming​ ​feel.​ ​Sellers​ ​typically​ ​enjoy​ ​a  100​ ​percent​ ​return​ ​on​ ​the​ ​money​ ​they​ ​put​ ​into​ ​curb​ ​appeal.    Another​ ​form​ ​of​ ​green,​ ​sustainable​ ​landscaping​ ​has​ ​become​ ​a​ ​value-add​ ​for​ ​buyers.​ ​Native  plants,​ ​native​ ​grasses​ ​and​ ​perennials​ ​that​ ​require​ ​less​ ​water​ ​and​ ​attention​ ​fill​ ​that​ ​bill.    Do​ ​some​ ​local​ ​research​ ​or​ ​ask​ ​your​ ​local​ ​home-and-garden​ ​pro​ ​for​ ​simple​ ​“greening”​ ​tips.    8.​ S ​ ellers​ ​and​ ​buyers:​ ​Know​ ​the​ ​state​ ​of​ ​your​ ​market    A​ ​balanced​ ​housing​ ​market​ ​is​ ​defined​ ​as​ ​one​ ​with​ ​an​ ​average​ ​inventory​ ​of​ ​6.5​ ​months,  according​ ​to​ ​Texas​ ​A&M​ ​University​ ​Real​ ​Estate​ ​Center​ ​research.​ ​When​ ​inventory​ ​remains  below​ ​equilibrium,​ ​sellers​ ​enjoy​ ​more​ ​control​ ​over​ ​prices​ ​and​ ​terms,​ ​and​ ​the​ ​area​ ​becomes  a​ ​seller’s​ ​market.   

Sell​ ​My​ ​House​ ​Fast  When​ ​inventory​ ​lingers​ ​well​ ​above​ ​stasis,​ ​you​ ​have​ ​a​ ​buyer’s​ ​market​ ​where​ ​sellers​ ​must​ ​get  more​ ​serious​ ​about​ ​price​ ​reductions,​ ​credits​ ​and​ ​throw-ins.​ ​Of​ ​course,​ ​these​ ​averages​ ​don’t  necessarily​ ​reflect​ ​demand​ ​in​ ​certain​ ​desirable​ ​and​ ​undesirable​ ​submarkets.    Go​ ​to​ ​Realtor.org​ ​for​ ​such​ ​market​ ​home​ ​sales​ ​data​ ​by​ ​state​ ​or​ ​to​ ​a​ ​local​ ​agent,​ ​business  journal​ ​and​ ​daily​ ​newspaper​ ​you​ ​can​ ​read​ ​online.​ ​In​ ​2016,​ ​the​ ​U.S.​ ​housing​ ​inventory  average​ ​was​ ​under​ ​five​ ​months.    9.​​ ​Sellers:​ ​House​ ​going​ ​on​ ​sale​ ​in​ ​the​ ​spring?    Do​ ​some​ ​prep​ ​work​ ​now.​ ​First,​ ​grab​ ​your​ ​camera​ ​or​ ​smartphone​ ​and​ ​do​ ​an​ ​exterior  autumn​ ​photo​ ​shoot,​ ​with​ ​the​ ​leaves​ ​changing​ ​colors.    It’s​ ​a​ ​much​ ​better​ ​way​ ​to​ ​showcase​ ​your​ ​home​ ​than​ ​to​ ​wait​ ​until​ ​late​ ​winter​ ​when  everything​ ​is​ ​still​ ​dead​ ​and​ ​brown​ ​and​ ​mucky.​ ​Also​ ​take​ ​some​ ​landscape​ ​shots​ ​after​ ​the  first​ ​snow,​ ​ideally​ ​on​ ​a​ ​sunny​ ​day,​ ​to​ ​show​ ​how​ ​cozy​ ​your​ ​place​ ​looks​ ​in​ ​winter.    Take​ ​a​ ​preliminary​ ​inventory,​ ​too.​ ​Look​ ​through​ ​your​ ​attic,​ ​closets,​ ​basement​ ​and​ ​garage​ ​to  see​ ​what​ ​stored​ ​items​ ​you’ll​ ​want​ ​to​ ​keep,​ ​give​ ​away​ ​or​ ​sell​ ​in​ ​the​ ​spring.​ ​This​ ​will​ ​help​ ​you 

determine​ ​whether​ ​you’ll​ ​need​ ​a​ ​storage​ ​unit​ ​when​ ​your​ ​home​ ​is​ ​on​ ​the​ ​market​ ​and​ ​if  there​ ​are​ ​any​ ​problem​ ​areas​ ​that​ ​need​ ​repairs​ ​or​ ​attention.    It’s​ ​also​ ​a​ ​good​ ​time​ ​to​ ​start​ ​discussing​ ​financing​ ​options​ ​with​ ​a​ ​local​ ​lender​ ​and​ ​interview  prospective​ ​listing​ ​agents​ ​who​ ​also​ ​might​ ​provide​ ​additional​ ​preparation​ ​tips.    10.​ B ​ uyers:​ ​Relocating​ ​near​ ​a​ ​waterfront?    You’d​ ​best​ ​consider​ ​weather​ ​and​ ​insurance​ ​realities.​ ​Major​ ​hurricanes​ ​and​ ​floods​ ​of​ ​the  past​ ​dozen​ ​years​ ​have​ ​pushed​ ​the​ ​National​ ​Flood​ ​Insurance​ ​Program​ ​into​ ​a​ ​$23​ ​billion  hole,​ ​forcing​ ​flood-insurance​ ​rates​ ​to​ ​spiral.    FEMA​ ​flood-map​ ​changes​ ​are​ ​aggressively​ ​expanding​ ​flood​ ​zones,​ ​especially​ ​along​ ​the​ ​East  Coast​ ​and​ ​Gulf​ ​Coast,​ ​forcing​ ​hundreds​ ​of​ ​thousands​ ​of​ ​homeowners​ ​to​ ​buy​ ​flood  insurance​ ​for​ ​the​ ​first​ ​time​ ​and​ ​others​ ​to​ ​pay​ ​thousands​ ​more​ ​annually.    Parts​ ​of​ ​Florida​ ​saw​ ​20​ ​percent​ ​increases​ ​in​ ​2016​ ​and​ ​will​ ​likely​ ​see​ ​similar​ ​hikes​ ​through  the​ ​end​ ​of​ ​2017.​ ​Insurers​ ​also​ ​are​ ​imposing​ ​coverage​ ​caps​ ​so​ ​there’s​ ​no​ ​guarantee​ ​you’ll​ ​be  made​ ​whole​ ​post-catastrophe.    Some​ ​we​ ​buy​ ​houses​ ​miami​​ ​home​ ​sellers​ ​and​ ​their​ ​agents​ ​are​ ​conveniently​ ​not​ ​disclosing  these​ ​realities,​ ​so​ ​buyers​ ​will​ ​have​ ​to​ ​ask​ ​pointed​ ​questions​ ​and​ ​do​ ​their​ ​own​ ​research.​ ​Go  to​ ​FEMA.gov​ ​for​ ​more​ ​info.    Contact​ ​Details    Cornerstone​ ​Homebuyers  18640​ ​NW​ ​2nd​ ​Ave​ ​Unit​ ​4184  Miami,​ ​FL​ ​33169  ​ ​(305)​ ​615-2888  Website:​ h ​ ttp://cornerstonehomebuyers.com  Google​ ​Site:​ h ​ ttps://sites.google.com/site/realwebuyhousesmiami  Google​ ​Folder:​ h ​ ttps://goo.gl/KttJSN  https://plus.google.com/110151200587397945876  https://www.youtube.com/channel/UC8Ba2feru_IQRfhcQZT6q_Q  https://cornerstonehomebuyers.blogspot.com  https://cornerstonehomebuyers.wordpress.com  https://en.gravatar.com/cornerstonehomebuyers  https://cornerstonehomebuyersblog.tumblr.com  https://twitter.com/LocalCashBuyers  https://www.facebook.com/CornerstoneHomebuyers  https://www.diigo.com/profile/cornerstonemiami 

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