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Buyers | 2 Posts
Sellers | 1 Posts
May
28

Hi Everyone! I am happy to share that I have taken the extra steps to get a certification in Luxury Homes. The luxury home market is constantly growing. While I work with properties at all price points, I am excited to now have gained more knowledge on how to better serve those clients in the luxury homes category. Contact me to list! I would love to work with you.

March
25

Is your home ready for Spring? I have created a dry erase friendly checklist. These are coming to a mailbox near you. Not on my mailing list? Send me a message and I'll be sure to drop one in the mail for you!

November
29

Pre-Approval 

One of the most frequently asked questions that I get from Buyers is about Pre-Approval. People want to know why it's necessary, how long it takes, and what all it entails.

Pre-Approval helps you know WHAT you can offer to a seller. It's not just about Budget!!! Here are some of the things your Pre-Approval letter will indicate:

      -Price

      -TYPE OF LOAN

      -Down payment

Those things are important to know BEFORE you start house hunting. Why? Well if you only qualify for an FHA Loan, then you only want to look at houses that would qualify for an FHA Loan. You also want to know how much you are putting down so you know if you have enough for your Closing Costs. Asking the seller to cover closing costs is something that you need to do at the time of the offer. You may also need to increase the purchase price to offset the closing costs due to the competitiveness of this market. The type of loan also has to be marked on the Purchase Agreement. 

This market in particular is all the more reason to get Pre-Approved before you start house hunting. You need to know what you can offer and how strong to make your offer to beat out the other buyers. The Pre-Approval process does not take long. However, if you wait for when you fall in love with a house- chances are multiple offers are coming in with other buyers that are already Pre-Approved. You need this advantage!

Let me help you get Pre-Approved today by directing you to some awesome lenders. Contact me and I will help you get started.

Call/Text: 304-415-0334

Email: spritt@oldcolony.com

Or send me a message via this website

August
9

Hello there!

There's no secret that there are many buyers on the market. And many of them are first time home buyers. One of the first things they ask upon deciding they want to offer- "What if something is wrong with the house? Can I back out of this?" Today I am going to outline your options as a home buyer based upon the area that I work in.

Congratulations, your offer has been accepted and you're in contract on a new home! First things first: When is the home inspection? Who pays for it? The buyer's agent will indiciate a deadline for the home inspection when writing the offer. You typically want to do the home inspection pretty early on, so you aren't wasting your time or the seller's time if it isn't going to work out. The agent will also indiciate how many business days you have to make your requests, and how many business days the seller has to respond to your requests. Generally speaking, the buyer pays for their home inspection. Your realtor can recommend home inspectors to call. In my area, I am required to give 3 choices of home inspectors to my buyers.

The home inspection has been completed and you have received your report. Now what? I want to first point out that home inspection reports can be overwhelming. Some of them are very lengthy, but that doesn't always mean you have cause for concern. It is the inspector's job to notate every little thing. The inspector may also notate things at a surface level because the area of expertise is outside of their scope. For example, he or she may say that they see a red flag on something electrical, but that a true licensed electrician would need to further evaluate and repair. He or she might find something indicative of a structural issue, but they will recommend that a structural engineer come give it a look. Read through carefully and determine what looks okay and what you want fixed. You have 4 options. Again, I am speaking to the specific area where I work. You can either: accept the home as is, ask the seller to make repairs, ask the seller for credit in lieu of repairs, or terminate the purchase agreement completely.

I have dealt with each of these options. How do you know which is the best choice? You would perhaps accept the home as is if the home inspection was so exceptional, you didn't feel the need to ask anything of the seller. Sometimes that option is also selected if seller has made it clear they are not willing to repair or credit the buyer. The two most popular options are to ask for repairs, or a credit in lieu of repairs. You need to consider what the repairs are, how costly the repairs are, and how long it would take to complete said repairs. From a buyer's point of view, you may want small repairs completed before moving in. Larger repairs may take more time proloning closing. In the event of large repairs, you may want to ask for a credit. From the seller's perspective, is it easier for you to handle the repairs that aren't too costly, or are you out of state and don't want to deal with it and would rather credit the buyer? These are all things to ask and the answers are on a case by case basis. And unfortunately, there have been times when the buyer felt that they needed to back out completely. 

The home inspection is a stepping stone on the path to closing. It is another point of negotiation. Your realtor can provide you with guidance on all of this and more! Hope this was helpful to you if you're planning on purchasing a home soon.

July
7

Good morning!

Today I am going to discuss one of my favorite things. Staging!

The definition upon a quick Google search says "the activity or practice of styling and furnishing a property for sale in such a way as to enhance its attractiveness to potential buyers." -Oxford Languages.

Staging is a lot of fun for me! I have read a lot about it and I feel like it truly helps. The key is to create small snapshots in a room with a clean and simple style. That type of look will appeal to the masses! The goal is to help Buyers imagine the property as their own. This will evoke a lot of emotion resulting in the Buyer feeling cozy and more at home (aka "the warm and fuzzies").

Staging may take extra effort, because experts also say its best to de-personalize the home. Sellers may find the balance difficult- and that is where I can help! And what about vacant homes? I can help with that too!

So, is it worth it?

NAR, the National Association of REALTORS®, has released a 2021 Profile of Home Staging. The findings were that 82% of Buyers said that a staged property was easier to visualize as their future home.

Sounds like its worth it to me!

July
1

Good morning!

Welcome to my very first blog post! It's a rainy Thursday and my kids are playing all around me as I work. 

I spend a lot of time reflecting on my business and what I can do to optimize client experience. I'm hoping to use this Blog as an outlet to get out some of those thoughts. I want to reach YOU on a deeper level. I want to really connect and make a difference. This blog is just my little slice of the Real Estate pie.

Real Estate is a passion of mine. It's emotional, messy, and stressful; but also exciting, fun, fulfilling, and rewarding. I have had clients in all different seasons of life:

~The first time home buyer with a new career. ~The newly engaged or married. ~The single parent moving on from a divorce or break up. ~The widow(er) grieving over the loss of a spouse. ~The couple expanding due to a new baby. ~The family moving to their next chapter in another state, or even the family beginning their chapter here in WV. ~The folks that are upgrading to a dream home after a promotion or a long time of building and saving for the future. ~The ones downsizing due to retirement or just to simplify things. ~The grandparents that yearn to be closer to their grandchildren.

Each situation is special and unique in its own way. The mechanics and steps of a transaction may be similar every time, but each client is different. Some clients have a smooth journey to closing. Some have a complete roller coaster. I love that I have been blessed with the ability to serve others and assist them through it all. I love being a small part of an exciting chapter in their book of life.

I hope you'll be back to read my future posts as I dive into my thoughts on Real Estate- and all that goes with it!

Have a great day!

-Stevi

Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 12/01/2022. The listing information on this page last changed on 12/01/2022. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Beckley MLS (last updated Thu 12/01/2022 3:00:29 PM EST) or Kanawha Valley MLS (last updated Thu 12/01/2022 4:17:22 PM EST) or HTGN MLS (last updated Thu 12/01/2022 4:10:35 PM EST) or Parkersburg MLS (last updated Mon 05/23/2016 4:25:30 PM EST) or West Penn MLS (last updated Thu 12/01/2022 4:18:04 PM EST) or NCWV MLS (last updated Thu 12/01/2022 4:16:22 PM EST) or Greenbrier Valley Board of Realtors (last updated Thu 12/01/2022 6:10:06 AM EST) or Ashland KY MLS (last updated Thu 12/01/2022 3:21:55 PM EST). Real estate listings held by brokerage firms other than Old Colony, REALTORS® may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --

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