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5 Reasons to Buy a House Right Now
Why You Should Find Your Dream House Today
Being ready to buy a home relies on you wanting to buy a home, being financially prepared, and having a good credit score. If you check all of these boxes, here are 5 reasons why now is the best time to buy a house!
- The prices are good- Although the house prices have continued to grow over the recent years, they have slowed significantly lately. The 10-City Composite gained 5.5% year-over-year, which is down from the 6.7%. This is great news if you were once worried that big price gains would put a home out of reach for you.
- Rates are low- Interest was once 18% in October 1981. This is almost unimaginable, compared to the today’s average of 5.18% which is, thankfully, much more bearable.
- Loans are becoming more accessible- Major loan companies are making adjustments to their loan requirements. They are lowering the minimum FICO score for borrowers, which mean that buyers don’t need perfect credit or to put a huge down payment on their ideal house.
- Holiday shopping- Buyers who are actively looking to purchase a home during the holiday months, namely, October through December, have less competition of other buyers and offers. In addition, the home owner is more likely to sell in time for Christmas, even if that means selling the house below the offer.
- Buying is often cheaper than renting- Depending on where you are located, prices of rent are considerably more than a mortgage on a house. It is suggested that a 30 year fixed rate of 4.5%, is 38% cheaper than renting nationally. With that said, why not live in your luxury, dream house for cheaper?
If you are committed to buying a home, I, Betsy Dittman will help you find your dream home and streamline the escrow and closing process. With your needs and requirements in line, I will be sure that you find the perfect home! Learn more about my buyer services here!
Keep Your House Sparkling with These 3 Tips
Keep Your House Forever Clean
There are those houses that, whenever you visit them, unexpectedly or planned well in advance, always look effortlessly tidy and clean. Sometimes it is not just the house owner that spends hours on end cleaning, but they may simply be following these steps:
- Daily cleaning is easier than monthly- A house can quickly get unmanageable by taking the lazy way out. Leaving the pile of dishes for later, three days in a row, is going to create a more daunting task of washing it up rather than doing the dishes every night. Leaving all of the household duties for one day will seem overwhelming and too stressful to manage. Cleaning as you go takes up less time overall and feels much more controllable. It’ll also leave you with more time for you to enjoy your home!
- More stuff means more to clean- The more items and knickknacks you have, the more you have to move and dust. The more furniture you have means you have more to push out of the way and vacuum underneath to complete a thorough cleaning. If you are finding that one room takes too much time to clean, consider if there are any appliances, items, or desks you can live without.
- Not everything has to be cleaned, all the time- Don’t create unrealistic goals of deep-cleaning the house every week. It is not necessary and will take up too much time. Not every inch of the house has to be scrubbed on a weekly basis, so be sure to limit your time and energy by focusing on a different room of the house every week.
I hope you enjoyed these tips and find that cleaning is a much more manageable task than you had previously thought! Be sure to contact me, Betsy Dittman, for all of your real estate needs. If you know of anyone interested in buying or selling property, please contact me today. I would appreciate the referral.
Why To Buy Before Spring
Maximize Your Savings By Buying Soon
Committing to purchasing a home is one of the biggest decisions most Americans will ever make, both financially and personally. It is not a decision that should be rushed. If, however, you have already reached the point where you are ready to switch from renter to homeowner, you should consider buying before spring. Here are a few reasons why:
- Costs Are Rising:If you waited to buy a home in 2014, you were no doubt surprised by the skyrocketing prices of homes. Although home appreciation should slow in 2015, it will continue to gradually rise. Mortgage interest rates are also expected to increase in the coming year. Buying a home is not going to be any more affordable than it is right now at any point in the foreseeable future.
- Your Living Expenses Are Not Decreasing:You may think that buying a home would wipe out your savings, but you might be surprised how similar a mortgage payment could be when compared to what you are already paying in rent. In fact, in some cases it may even be less. You need to put money towards your living expenses each month no matter what, so why not put that money into an investment rather than your landlord’s pocket?
- You Deserve A Stable Future:Experts predict rent prices will continue to rise in the next five years. With a fixed-rate mortgage, however, you lock in your monthly housing cost. Get the financial stability you deserve by fixing your living expenses now.
You deserve an agent who will help you get into the best home at the best price. To work with an expert on the local real estate market in Conejo Valley, San Fernando Valley, Santa Monica, Beverly Hills and Los Angeles, contact Betsy Dittman. I am here to make sure you get the luxury you deserve at the price you deserve in 2015. Call me today.
