August, 2020 - House Hunting? The Importance of Preapproval or Prequalification if Using a Mortgage
Fayette County – Homes on the real estate market are moving quickly today, and it’s not surprising if a home goes on the market and it’s sold within a week.
“If you are thinking of buying a home, it’s important to talk to a mortgage lender if you are looking to purchase a property using a mortgage,” said Fayette Board of REALTORS® President, Laurie Hensel. “Allowing your lender to examine your finances will give you the opportunity to see what you can afford with a monthly mortgage.”
It should be the first step in learning what you can spend and what price range you should be looking at for your home search. Talk with your Realtor® to determine the best range and where you should be looking for your house.
“You may hear people mentioning getting pre-qualified or pre-approved for a mortgage,” he/she said. “Many lenders use different terms, but it’s best to consult with your Realtor® and lender to ensure you’ve taken steps to put you in the best position before you’re ready to put an offer on a house.”
“Inventory is low and demand is high, so talking with a mortgage lender is key. When looking for a home with your Realtor®, you don’t want to fall in love with a house you cannot afford,” said Hensel. “And with today’s competitive market, homes are selling in days, and most sellers aren’t willing to wait for you to talk to a lender before making an offer.”
Talking to a mortgage broker isn’t a commitment, it’s just an estimate on what you can afford, usually based on your assets, debt and income.
“While talking to a lender is not a guarantee, it is the beginning step to getting a mortgage,” Hensel added. “It should be one of the first things you do when house hunting.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
“If you are thinking of buying a home, it’s important to talk to a mortgage lender if you are looking to purchase a property using a mortgage,” said Fayette Board of REALTORS® President, Laurie Hensel. “Allowing your lender to examine your finances will give you the opportunity to see what you can afford with a monthly mortgage.”
It should be the first step in learning what you can spend and what price range you should be looking at for your home search. Talk with your Realtor® to determine the best range and where you should be looking for your house.
“You may hear people mentioning getting pre-qualified or pre-approved for a mortgage,” he/she said. “Many lenders use different terms, but it’s best to consult with your Realtor® and lender to ensure you’ve taken steps to put you in the best position before you’re ready to put an offer on a house.”
“Inventory is low and demand is high, so talking with a mortgage lender is key. When looking for a home with your Realtor®, you don’t want to fall in love with a house you cannot afford,” said Hensel. “And with today’s competitive market, homes are selling in days, and most sellers aren’t willing to wait for you to talk to a lender before making an offer.”
Talking to a mortgage broker isn’t a commitment, it’s just an estimate on what you can afford, usually based on your assets, debt and income.
“While talking to a lender is not a guarantee, it is the beginning step to getting a mortgage,” Hensel added. “It should be one of the first things you do when house hunting.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
July, 2020 - Look Outside Your Home for Home Improvement Projects
Fayette County – The first impression someone has of your home is what they see on the outside, and that’s why now is the time to make it shine.
“People often work on the inside of their homes and neglect the outside,” said Fayette Board of REALTORS® President Laurie Hensel. “However, the outside of your home leaves a lingering imprint on others. Since you spend more time indoors, it may feel more rewarding to remodel inside. But spending extra time and resources on the outside of your home can lead to long-lasting effects.”
Sometimes it can help if you look at your home from across the street and really view it as someone else. Does it make a good impression? Does it look well maintained? Some buyers make their decision based on what a home looks like when they first see it.
Many outdoor projects can be done yourself, such as basic landscaping, keeping the lawn mowed, pulling weeds and planting flowers. Other ways to keep the outside of your home looking fresh can include a new coat of paint on the front door or power washing the outside.
If you want to hire a professional, search online for inspiration so you know what look you’re aiming for. A landscaper can help you get your exterior looking how you want it, and you can take over after they start the initial project.
“You can really transform your home with a few changes,” said Hensel. “Even if you’re not planning to sell now, making changes now can pay off if you do decide to list.”
Even something simple, like a new mailbox, a fresh wreath or a fun doormat can make a big difference. New outdoor furniture may lead you to spending more time outdoors yourself.
“Lighting is another way to transform your home,” Hensel added. “Update your exterior lighting for a fresh look, it may even make you feel safer.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
“People often work on the inside of their homes and neglect the outside,” said Fayette Board of REALTORS® President Laurie Hensel. “However, the outside of your home leaves a lingering imprint on others. Since you spend more time indoors, it may feel more rewarding to remodel inside. But spending extra time and resources on the outside of your home can lead to long-lasting effects.”
Sometimes it can help if you look at your home from across the street and really view it as someone else. Does it make a good impression? Does it look well maintained? Some buyers make their decision based on what a home looks like when they first see it.
Many outdoor projects can be done yourself, such as basic landscaping, keeping the lawn mowed, pulling weeds and planting flowers. Other ways to keep the outside of your home looking fresh can include a new coat of paint on the front door or power washing the outside.
If you want to hire a professional, search online for inspiration so you know what look you’re aiming for. A landscaper can help you get your exterior looking how you want it, and you can take over after they start the initial project.
“You can really transform your home with a few changes,” said Hensel. “Even if you’re not planning to sell now, making changes now can pay off if you do decide to list.”
Even something simple, like a new mailbox, a fresh wreath or a fun doormat can make a big difference. New outdoor furniture may lead you to spending more time outdoors yourself.
“Lighting is another way to transform your home,” Hensel added. “Update your exterior lighting for a fresh look, it may even make you feel safer.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
June, 2020 - Staying Home? Now Is the Time for DIY Projects
Fayette County – As most of us continue to stay home to help combat the COVID-19 virus, why not use this free time to spruce up your home?
“With the warmer weather arriving, now is a great time to work on the outside of your home,” said Fayette Board of REALTORS® President Laurie Hensel. “First impressions can make or break a buyer’s decision. Approach your home as if you were an outsider. You may be used to chipping paint or an overgrown flower bed, but a buyer will spot it quickly and it may sour their opinion. Now is the time to take care of these little projects – before they become big ones.”
Even if you don’t plan to move within the next year or two, keeping up with these tasks can prevent needing to complete a long list of to-dos when you do decide to put your home on the market. Additionally, most home improvement stores are providing contactless pickup if you need outside resources.
Indoors, why not paint the trim in your living room, update a bathroom or replace some artwork on a wall? Some projects, like painting your kitchen cabinets, can make the room really shine. Take a look around and see what needs improvement.
“Now is a great time to let your creative juices flow,” said Hensel. “You’re most likely spending much more time in your home, what changes do you want to see?”
If you’re not ready to commit to any major changes, a deep spring cleaning is a great use of time. Get rid of clutter, clothes you don’t wear and toys collecting dust. You will be amazed at what you don’t need.
“Start your projects sooner rather than later,” Hensel added. “If you live with other people, make it a group affair, you may be surprised at the fun you end up having.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
“With the warmer weather arriving, now is a great time to work on the outside of your home,” said Fayette Board of REALTORS® President Laurie Hensel. “First impressions can make or break a buyer’s decision. Approach your home as if you were an outsider. You may be used to chipping paint or an overgrown flower bed, but a buyer will spot it quickly and it may sour their opinion. Now is the time to take care of these little projects – before they become big ones.”
Even if you don’t plan to move within the next year or two, keeping up with these tasks can prevent needing to complete a long list of to-dos when you do decide to put your home on the market. Additionally, most home improvement stores are providing contactless pickup if you need outside resources.
Indoors, why not paint the trim in your living room, update a bathroom or replace some artwork on a wall? Some projects, like painting your kitchen cabinets, can make the room really shine. Take a look around and see what needs improvement.
“Now is a great time to let your creative juices flow,” said Hensel. “You’re most likely spending much more time in your home, what changes do you want to see?”
If you’re not ready to commit to any major changes, a deep spring cleaning is a great use of time. Get rid of clutter, clothes you don’t wear and toys collecting dust. You will be amazed at what you don’t need.
“Start your projects sooner rather than later,” Hensel added. “If you live with other people, make it a group affair, you may be surprised at the fun you end up having.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
May, 2020 - Searching for a Home Using Online Tools
Fayette County – As communities across America and the world continue to adjust to new realities due to the coronavirus, potential homebuyers more and more are shifting to searching for a home online, a trend that began even prior to the pandemic. In fact, the National Association of Realtors® found that 44% of recent buyers said the first step that they took in the home buying process was to look online at properties for sale.
The Welcome Home survey, conducted for the Pennsylvania Association of Realtors®, found that recent Pennsylvania homebuyers who use online search sites prefer Zillow.com and Realtor.com® as their primary sources of information.
Online tools allow buyers to research available homes during a time that best meets their needs. These sites also provide a search of what’s for sale in the neighborhoods they’re interested in. Even though social distancing measures have been put in place in Pennsylvania communities, potential homebuyers are still actively searching for homes virtually.
Using a Realtor® in the homebuying process is critical to their success. “Many buyers today start the process online. Working with a Realtor® can help homebuyers prioritize their needs so they can refine their home search,” said Laurie Hensel, president of the Fayette Board of REALTORS®. “A Realtor® helps buyers focus on details like price, square footage, number of bedrooms, distance from work and other important factors.”
NAR found that 87% of recent homebuyers found their real estate agent a very useful information source.
Realtors® have also adjusted their businesses to help buyers and sellers during this difficult time, shifting to online activities, virtual tours, and more. A Realtor® can help a potential homebuyer navigate the buying process during this unique situation.
Homebuyers can search for a professional to work with on websites like PARealtors.org and realtor.com. Many of those sites, as well as Realtors®’ websites, provide biographies, specialties, years of experience and markets they work in.
“A Realtor® is an advocate, helping the buyers navigate this process,” Hensel said. “It’s important to have a Realtor® working for you to make sure all the necessary steps are taken to ensure you get to settlement.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
The Welcome Home survey, conducted for the Pennsylvania Association of Realtors®, found that recent Pennsylvania homebuyers who use online search sites prefer Zillow.com and Realtor.com® as their primary sources of information.
Online tools allow buyers to research available homes during a time that best meets their needs. These sites also provide a search of what’s for sale in the neighborhoods they’re interested in. Even though social distancing measures have been put in place in Pennsylvania communities, potential homebuyers are still actively searching for homes virtually.
Using a Realtor® in the homebuying process is critical to their success. “Many buyers today start the process online. Working with a Realtor® can help homebuyers prioritize their needs so they can refine their home search,” said Laurie Hensel, president of the Fayette Board of REALTORS®. “A Realtor® helps buyers focus on details like price, square footage, number of bedrooms, distance from work and other important factors.”
NAR found that 87% of recent homebuyers found their real estate agent a very useful information source.
Realtors® have also adjusted their businesses to help buyers and sellers during this difficult time, shifting to online activities, virtual tours, and more. A Realtor® can help a potential homebuyer navigate the buying process during this unique situation.
Homebuyers can search for a professional to work with on websites like PARealtors.org and realtor.com. Many of those sites, as well as Realtors®’ websites, provide biographies, specialties, years of experience and markets they work in.
“A Realtor® is an advocate, helping the buyers navigate this process,” Hensel said. “It’s important to have a Realtor® working for you to make sure all the necessary steps are taken to ensure you get to settlement.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
April, 2020 - April Marks Fair Housing Month
Fayette County – Every April, Realtors® reaffirm their continued commitment to fair and equitable treatment for everyone in search of a home. The federal Fair Housing Act recognizes that everyone should have the right to choose where they want to live and makes it illegal to discriminate in housing-related transactions based on seven protected classes: race, color, national origin, religion, sex, disability and familial status. The Pennsylvania Human Relations Act protects against housing discrimination in the commonwealth and includes two additional protected classes: age (over 40) and users and handlers or trainers of assistance animals for persons with disabilities.
“One of the traits that makes Realtors® different from other real estate agents is the National Association of Realtors® Code of Ethics,” said Fayette Board of REALTORS® President Laurie Hensel. “As Realtors®, we agree to follow the Code of Ethics, which outlines how we fairly and equally treat our clients.”
Understanding the rights afforded to everyone is important going through the homebuying process. Discrimination can occur with mortgage lenders and homeowners insurance when they treat someone different because of their race, color, national origin, religion, sex, disability or because they have children in their family. Homeowners insurance “redlining” is also a form of discrimination. It occurs when the homeowner is treated differently because of their race or national origin of the residents in the neighborhood where their home is located.
“To ensure you’re receiving fair treatment, seek prices and products from multiple companies,” said Hensel. “You’ll have several options and may end up saving money. Ask your friends, research companies online or call a housing counseling agency for a list of companies to talk with.”
“In the end, buying and selling a home are one of the most significant events in a person’s lifetime,” she added. “Owning a home helps build wealth and gives people a place to call ‘home.’ As Realtors®, we’re dedicated to helping people achieve their dream of owning a home.”
If consumers believe they have experienced a fair housing issue, they should contact the Pennsylvania Human Relations Commission at phrc.pa.gov.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
“One of the traits that makes Realtors® different from other real estate agents is the National Association of Realtors® Code of Ethics,” said Fayette Board of REALTORS® President Laurie Hensel. “As Realtors®, we agree to follow the Code of Ethics, which outlines how we fairly and equally treat our clients.”
Understanding the rights afforded to everyone is important going through the homebuying process. Discrimination can occur with mortgage lenders and homeowners insurance when they treat someone different because of their race, color, national origin, religion, sex, disability or because they have children in their family. Homeowners insurance “redlining” is also a form of discrimination. It occurs when the homeowner is treated differently because of their race or national origin of the residents in the neighborhood where their home is located.
“To ensure you’re receiving fair treatment, seek prices and products from multiple companies,” said Hensel. “You’ll have several options and may end up saving money. Ask your friends, research companies online or call a housing counseling agency for a list of companies to talk with.”
“In the end, buying and selling a home are one of the most significant events in a person’s lifetime,” she added. “Owning a home helps build wealth and gives people a place to call ‘home.’ As Realtors®, we’re dedicated to helping people achieve their dream of owning a home.”
If consumers believe they have experienced a fair housing issue, they should contact the Pennsylvania Human Relations Commission at phrc.pa.gov.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
March, 2020 - Getting your house ready to sell
Fayette County – You’ve finally decided it’s time to sell your home.
Whether you’re downsizing thanks to adult children moving out, or upsizing due to a growing family, first you must sell your current property. But where to begin?
“No matter how long you have lived in your current home, getting it ready to list on the market can be overwhelming,” said Fayette Board of REALTORS® President Laurie Hensel. “I always tell sellers to start on the outside, because that is the first thing buyers will see and first impressions generally have a huge influence on sellers’ reactions. If the outside of the house isn’t in tip-top shape, chances are the inside isn’t going to be significantly better.”
With spring around the corner, planting flowers can help brighten up a space, and a fresh coat of paint on the front door can make it look brand new. Keeping the yard trimmed and groomed is also an easy way to make things look tidy.
“Inside the home, I always advise to keep it as neutral as you can,” said Hensel. “Remove as many personal affects as possible, keep décor to a minimum and declutter. You want the house to speak for itself, and not have so many distractions.”
Keeping the home clean is important as well, which can be difficult for sellers still residing there. Try to keep floors swept and vacuumed and surfaces wiped down in between showings.
“In today’s market, many homes don’t sit on the market for long,” Hensel added. “Keeping your home looking its best will work to your advantage, and hopefully, it will sell, and you’ll be ready for your next property purchase. Trust in your Realtor® to help you stage your home and make it looks its best.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
Whether you’re downsizing thanks to adult children moving out, or upsizing due to a growing family, first you must sell your current property. But where to begin?
“No matter how long you have lived in your current home, getting it ready to list on the market can be overwhelming,” said Fayette Board of REALTORS® President Laurie Hensel. “I always tell sellers to start on the outside, because that is the first thing buyers will see and first impressions generally have a huge influence on sellers’ reactions. If the outside of the house isn’t in tip-top shape, chances are the inside isn’t going to be significantly better.”
With spring around the corner, planting flowers can help brighten up a space, and a fresh coat of paint on the front door can make it look brand new. Keeping the yard trimmed and groomed is also an easy way to make things look tidy.
“Inside the home, I always advise to keep it as neutral as you can,” said Hensel. “Remove as many personal affects as possible, keep décor to a minimum and declutter. You want the house to speak for itself, and not have so many distractions.”
Keeping the home clean is important as well, which can be difficult for sellers still residing there. Try to keep floors swept and vacuumed and surfaces wiped down in between showings.
“In today’s market, many homes don’t sit on the market for long,” Hensel added. “Keeping your home looking its best will work to your advantage, and hopefully, it will sell, and you’ll be ready for your next property purchase. Trust in your Realtor® to help you stage your home and make it looks its best.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
February, 2020 - Location is Key When Choosing a Home
Fayette County – Where a house is located is the top feature when Pennsylvania homebuyers choose their home, according to a recent Welcome Home survey conducted for the Pennsylvania Association of Realtors®.
“Thirty-seven percent of buyers said location was the primary reason they picked their house,” said Fayette Board of REALTORS® President Laurie Hensel. “Whether it’s being close to family or their job or they like a nearby park, location remains key.” Ten percent said the interior features were their deciding factor, followed by price and larger interior space.
Tight inventory conditions in many markets are continuing to have an effect on the homebuying process.
“Nearly 50% of buyers said they went from starting their home search to closing in less than 90 days,” Hensel said. “The inventory challenges create a very fast-moving market. Buyers need to be pre-approved for a mortgage and ready to make a decision in a short time once they find a home that meets their needs.”
New homebuyers noted that financing and selling a previous home are the issues that most commonly cause them anxiety in the transaction. Twenty-two percent of homebuyers found financing to be the most stress-inducing, while 16% said selling their previous home was the most worrisome. “Working with a Realtor® can help alleviate some of the concerns about the real estate transaction. They are a trusted advisor for consumers buying a home,” she noted.
More buyers noted that that physical issues with the property they bought were the largest source of stress in their homebuying experience.
“Buying a home that is a fixer-upper can be demanding,” Hensel said. “And some surveyed said the home they purchased passed inspections, but they found after closing that the home didn’t totally meet their needs, so repairs or improvements were required.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
“Thirty-seven percent of buyers said location was the primary reason they picked their house,” said Fayette Board of REALTORS® President Laurie Hensel. “Whether it’s being close to family or their job or they like a nearby park, location remains key.” Ten percent said the interior features were their deciding factor, followed by price and larger interior space.
Tight inventory conditions in many markets are continuing to have an effect on the homebuying process.
“Nearly 50% of buyers said they went from starting their home search to closing in less than 90 days,” Hensel said. “The inventory challenges create a very fast-moving market. Buyers need to be pre-approved for a mortgage and ready to make a decision in a short time once they find a home that meets their needs.”
New homebuyers noted that financing and selling a previous home are the issues that most commonly cause them anxiety in the transaction. Twenty-two percent of homebuyers found financing to be the most stress-inducing, while 16% said selling their previous home was the most worrisome. “Working with a Realtor® can help alleviate some of the concerns about the real estate transaction. They are a trusted advisor for consumers buying a home,” she noted.
More buyers noted that that physical issues with the property they bought were the largest source of stress in their homebuying experience.
“Buying a home that is a fixer-upper can be demanding,” Hensel said. “And some surveyed said the home they purchased passed inspections, but they found after closing that the home didn’t totally meet their needs, so repairs or improvements were required.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
January, 2020 - DIY vs. Professionals
Fayette County – When do you try to fix an issue in your home and when do you call a professional?
Free tutorials online may lead you to believe you can fix truly anything in your home, but that’s not always the case. Checking online first for a solution isn’t a bad idea, as there are times that an inexpensive piece can repair that running toilet. But when it comes to more advanced solutions, it may be best to call in a professional.
“Technology has made so many of us think we can DIY anything,” said Fayette Board of REALTORS President Laurie Hensel. “We see it all the time on television, but it’s not always the case. I always tell clients to call in a professional for anything electrical, major plumbing, HVAC installation, foundation work or additions.”
Projects that many homeowners can tackle to increase the value of their home include decluttering every room in the house, deep cleaning the carpet and giving the walls a fresh, neutral coat of paint.
Attempting to DIY a larger project could end up being costlier than just calling a pro, studies have found.
“Between the wasted supplies, the loss of your time and effort and then paying a professional to fix the problem, you may end up spending more than if you just hired someone in the first place,” Hensel added. “At the end of the day, there are plenty of home improvement projects you can do yourself, usually jobs like painting or updating a kitchen backsplash, but know your limits.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
Free tutorials online may lead you to believe you can fix truly anything in your home, but that’s not always the case. Checking online first for a solution isn’t a bad idea, as there are times that an inexpensive piece can repair that running toilet. But when it comes to more advanced solutions, it may be best to call in a professional.
“Technology has made so many of us think we can DIY anything,” said Fayette Board of REALTORS President Laurie Hensel. “We see it all the time on television, but it’s not always the case. I always tell clients to call in a professional for anything electrical, major plumbing, HVAC installation, foundation work or additions.”
Projects that many homeowners can tackle to increase the value of their home include decluttering every room in the house, deep cleaning the carpet and giving the walls a fresh, neutral coat of paint.
Attempting to DIY a larger project could end up being costlier than just calling a pro, studies have found.
“Between the wasted supplies, the loss of your time and effort and then paying a professional to fix the problem, you may end up spending more than if you just hired someone in the first place,” Hensel added. “At the end of the day, there are plenty of home improvement projects you can do yourself, usually jobs like painting or updating a kitchen backsplash, but know your limits.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
December, 2019 - Going Green
Is one of your New Year’s resolutions to lessen your carbon footprint?
Now is the time to start, and the first place to begin is your home. What’s your first step? If you’re looking to start small, replace your dead lightbulbs with energy-efficient ones. Investing in energy-efficient appliances is also a way to save hundreds of dollars annually and will help reduce greenhouse gas emissions. When windows need an update, look for energy-saving ones, they will prevent the heat or air conditioning from escaping.
“Technology has also made huge improvements in helping people keep their homes energy-efficient,” said Fayette Board of REALTORS® President Bruce Roby. “In addition to making your life easier, if you forget to turn out off a light or appliance, smart home technology can do it for you, saving energy and money.”
Solar panels are another investment that make your home more energy efficient. They can be costly, but if they are right for your home and area, they can be a worthwhile project.
“The initial switch to a greener home may be more expensive than traditional home improvement projects,” Roby added. “However, through the Pennsylvania Department of Environmental Protection, there are many rebates available for making your home more energy-efficient.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
Now is the time to start, and the first place to begin is your home. What’s your first step? If you’re looking to start small, replace your dead lightbulbs with energy-efficient ones. Investing in energy-efficient appliances is also a way to save hundreds of dollars annually and will help reduce greenhouse gas emissions. When windows need an update, look for energy-saving ones, they will prevent the heat or air conditioning from escaping.
“Technology has also made huge improvements in helping people keep their homes energy-efficient,” said Fayette Board of REALTORS® President Bruce Roby. “In addition to making your life easier, if you forget to turn out off a light or appliance, smart home technology can do it for you, saving energy and money.”
Solar panels are another investment that make your home more energy efficient. They can be costly, but if they are right for your home and area, they can be a worthwhile project.
“The initial switch to a greener home may be more expensive than traditional home improvement projects,” Roby added. “However, through the Pennsylvania Department of Environmental Protection, there are many rebates available for making your home more energy-efficient.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
November, 2019 - Winter Maintenance
Fayette County – While it still feels like fall outside, now is the time to begin preparing your home for those winter months.
It’s a good time to check in on your house and have it in peak condition for the cold and wintery weather and be proactive in preventing costly repairs down the road.
“Homeowners should check their gutters and drainage,” said Fayette Board of REALTORS® President Bruce Roby. “If a gutter is not draining properly, it can lead to blockage, which can cause roof damage, which is not a cheap fix. People should also begin preparing for winter storms ahead of time. You don’t want to be the person trying to find a shovel to buy the night before a predicted blizzard. Make sure your snow blower, shovels and scrapers are still in working order and have salt on hand.”
Storms can also lead to power outages, so make sure to have fresh batteries, working flashlights, blankets and a plan for when a storm knocks out the power. If it’s in the budget, a generator is a great tool to have for your home in these situations.
Checking windows and doors for air leaks is another way to protect your house this winter. Cracks can lead to heat leaking out, making the electricity bill even costlier, or even letting unwelcome pests in.
“Don’t forget about your pipes,” Roby added. “Frozen pipes can lead to bursting pipes and that’s a headache no one wants to deal with. Open the cabinets to let warmer air in, let cold water drip from the faucet, and don’t set your thermostat to lower than 55 degrees.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
It’s a good time to check in on your house and have it in peak condition for the cold and wintery weather and be proactive in preventing costly repairs down the road.
“Homeowners should check their gutters and drainage,” said Fayette Board of REALTORS® President Bruce Roby. “If a gutter is not draining properly, it can lead to blockage, which can cause roof damage, which is not a cheap fix. People should also begin preparing for winter storms ahead of time. You don’t want to be the person trying to find a shovel to buy the night before a predicted blizzard. Make sure your snow blower, shovels and scrapers are still in working order and have salt on hand.”
Storms can also lead to power outages, so make sure to have fresh batteries, working flashlights, blankets and a plan for when a storm knocks out the power. If it’s in the budget, a generator is a great tool to have for your home in these situations.
Checking windows and doors for air leaks is another way to protect your house this winter. Cracks can lead to heat leaking out, making the electricity bill even costlier, or even letting unwelcome pests in.
“Don’t forget about your pipes,” Roby added. “Frozen pipes can lead to bursting pipes and that’s a headache no one wants to deal with. Open the cabinets to let warmer air in, let cold water drip from the faucet, and don’t set your thermostat to lower than 55 degrees.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
October, 2019 - Top tips for putting your house on the market
Uniontown, PA – There is so much to think about once you decide to put your house on the market.
Not only are you dealing with the process of moving, you have to actually sell your house. Where do you begin?
“I always tell sellers that the first thing they should do is take care of the basics,” said Fayette Board of REALTORS® President Bruce Roby. “Take a good look at your house. Does your living room need a fresh coat of paint? Does the kitchen need a good deep cleaning? There’s no need to do major renovations, just fix the small things. Talk with your Realtor® about the things you can easily take care of yourself before it’s time to put your home on the market.”
The Pennsylvania Association of Realtors® President Bill McFalls Jr. said that first impressions always matter. “Make sure the outside of your home looks welcoming. Fresh flowers, when in season, always look nice and a neat, clean landscaping job makes a world of difference,” he said. “Sellers are so focused on making the inside of their home look the best, it can be easy to forget the first thing people see: the curb appeal.”
Decluttering is also a typically low-cost way to make your home look better. Keep décor simple, remove family photos and present a neutral home that buyers can picture making their own.
“Selling your home can be a stressful time,” Roby added. “A good Realtor® will be able to help you make your home look its best for the listing and showings and make sure it’s priced appropriately.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
Not only are you dealing with the process of moving, you have to actually sell your house. Where do you begin?
“I always tell sellers that the first thing they should do is take care of the basics,” said Fayette Board of REALTORS® President Bruce Roby. “Take a good look at your house. Does your living room need a fresh coat of paint? Does the kitchen need a good deep cleaning? There’s no need to do major renovations, just fix the small things. Talk with your Realtor® about the things you can easily take care of yourself before it’s time to put your home on the market.”
The Pennsylvania Association of Realtors® President Bill McFalls Jr. said that first impressions always matter. “Make sure the outside of your home looks welcoming. Fresh flowers, when in season, always look nice and a neat, clean landscaping job makes a world of difference,” he said. “Sellers are so focused on making the inside of their home look the best, it can be easy to forget the first thing people see: the curb appeal.”
Decluttering is also a typically low-cost way to make your home look better. Keep décor simple, remove family photos and present a neutral home that buyers can picture making their own.
“Selling your home can be a stressful time,” Roby added. “A good Realtor® will be able to help you make your home look its best for the listing and showings and make sure it’s priced appropriately.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
September, 2019 - Avoiding email fraud in real estate transactions
Avoiding email fraud in real estate transactions
Uniontown, PA – Buying a home is one of the biggest purchases you will most likely make in your lifetime.
It’s a huge financial transaction and can be a stressful time. Recently, it’s been made even more stressful for some folks who have fallen victim to wire fraud and lost thousands of dollars. Wire fraud in real estate is one of the fastest growing cybercrimes in the U.S.
“Scammers will clone email address, signatures, everything to make it look like it’s coming from someone involved in your transaction,” said Fayette Board of REALTORS® President Bruce Roby. “Fraudsters assume the identity of the title, real estate agent or closing attorney and forge the person’s email. The scammers then email the unknowing buyer and give them instructions to wire money, like a down payment, to the criminal’s bank account.”
“There was an 1100% increase in the number of victims reporting an email scam in a real estate transaction from 2015 to 2017, according to FBI data. It’s hard to catch these criminals,” he added. “And once your money has left your account, it’s nearly impossible to get it back.”
What can you do to protect yourself? First, always confirm any type of transaction with your Realtor® over the phone or in person. Don’t ever trust instructions from an email, unless your Realtor® has verbally confirmed to you to follow these instructions.
“Be extra vigilant about any kind of correspondence that involves money. Most of the time, the fraudulent emails look completely legitimate and buyers are so excited about their purchase, they don’t think twice. This is the most important time to be confirming your money is going where it needs to go, and not into a criminal’s pocket,” he added.
For more information, visit parealtor.org/emailfraud.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
Uniontown, PA – Buying a home is one of the biggest purchases you will most likely make in your lifetime.
It’s a huge financial transaction and can be a stressful time. Recently, it’s been made even more stressful for some folks who have fallen victim to wire fraud and lost thousands of dollars. Wire fraud in real estate is one of the fastest growing cybercrimes in the U.S.
“Scammers will clone email address, signatures, everything to make it look like it’s coming from someone involved in your transaction,” said Fayette Board of REALTORS® President Bruce Roby. “Fraudsters assume the identity of the title, real estate agent or closing attorney and forge the person’s email. The scammers then email the unknowing buyer and give them instructions to wire money, like a down payment, to the criminal’s bank account.”
“There was an 1100% increase in the number of victims reporting an email scam in a real estate transaction from 2015 to 2017, according to FBI data. It’s hard to catch these criminals,” he added. “And once your money has left your account, it’s nearly impossible to get it back.”
What can you do to protect yourself? First, always confirm any type of transaction with your Realtor® over the phone or in person. Don’t ever trust instructions from an email, unless your Realtor® has verbally confirmed to you to follow these instructions.
“Be extra vigilant about any kind of correspondence that involves money. Most of the time, the fraudulent emails look completely legitimate and buyers are so excited about their purchase, they don’t think twice. This is the most important time to be confirming your money is going where it needs to go, and not into a criminal’s pocket,” he added.
For more information, visit parealtor.org/emailfraud.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
July, 2019 - Weighing the benefits of downsizing
Uniontown, PA – Later in life, many homeowners realize their dream home may feel a little bit big to them.
Whether children have moved out, a more accessible property is needed, or they simply don’t want as much space, some homeowners choose to look for a property that is smaller. However, downsizing doesn’t always mean saving money.
“Many homeowners assume that a smaller home means less bills, but that is not always the case” said Fayette Board of REALTORS® President Bruce Roby. “A more expensive neighborhood or a newly built property could be equal to or more costly than your current home.”
“Working with a Realtor® can help buyers determine how much they can afford and what kind of properties to look for,” he added. “Buyers should also consider that if they intend to stay in this home in their older years, they should plan accordingly, making sure the home is accessible and will fit their needs later in life.”
Those who downsize may also benefit from less home maintenance if they opt for smaller yards or a condo. Another option is to sell the home and rent for a few years to decide what type of property or responsibilities you are ready for.
“Homeowners really need to think about whether they’re ready to part with some of their belongings and what they’ll miss about living in a larger space,” he added.
“Downsizing can be emotional,” Roby said. “Leaving a home you have lived in for years is difficult, even if you know it’s the right decision. Realtors® can help guide you to that perfect new residence.”
Whether children have moved out, a more accessible property is needed, or they simply don’t want as much space, some homeowners choose to look for a property that is smaller. However, downsizing doesn’t always mean saving money.
“Many homeowners assume that a smaller home means less bills, but that is not always the case” said Fayette Board of REALTORS® President Bruce Roby. “A more expensive neighborhood or a newly built property could be equal to or more costly than your current home.”
“Working with a Realtor® can help buyers determine how much they can afford and what kind of properties to look for,” he added. “Buyers should also consider that if they intend to stay in this home in their older years, they should plan accordingly, making sure the home is accessible and will fit their needs later in life.”
Those who downsize may also benefit from less home maintenance if they opt for smaller yards or a condo. Another option is to sell the home and rent for a few years to decide what type of property or responsibilities you are ready for.
“Homeowners really need to think about whether they’re ready to part with some of their belongings and what they’ll miss about living in a larger space,” he added.
“Downsizing can be emotional,” Roby said. “Leaving a home you have lived in for years is difficult, even if you know it’s the right decision. Realtors® can help guide you to that perfect new residence.”
June, 2019 - Benefits of homeownership
Fayette County – Buying a home has consistently been cited as being a part of the American dream.
Owning your own property is definitely a source of pride, but it also benefits many homeowners financially. Housing values typically grow over time, so each year as a homeowner typically offers more equity.
“Many homeowners also report feeling a stronger sense of community after they purchase their home,” said Fayette Board of REALTORS® President Bruce Roby. “Setting roots in a neighborhood generally leads to becoming more involved because you have a stake in the area.”
“Some would-be homebuyers voice concern about paying for property maintenance,” he added. “While this is something every homeowner should keep in mind, it’s important to budget for home emergencies and upkeep.”
Another benefit to homeownership is that monthly costs are generally fixed. Owners know how much their monthly mortgage payments will be, as opposed to renting and having to prepare for higher monthly costs.
“One of the best ways to build financial security over the long term is by owning a home,” Roby said. “Owning a home is a solid investment and provides a much better return on investment than other large purchases, such as a car.”
With nearly 63% of the U.S. population being homeowners, it’s something every American deserves an opportunity to achieve.
The Fayette Board of REALTOR® is the voice for real estate in Fayette County.
Owning your own property is definitely a source of pride, but it also benefits many homeowners financially. Housing values typically grow over time, so each year as a homeowner typically offers more equity.
“Many homeowners also report feeling a stronger sense of community after they purchase their home,” said Fayette Board of REALTORS® President Bruce Roby. “Setting roots in a neighborhood generally leads to becoming more involved because you have a stake in the area.”
“Some would-be homebuyers voice concern about paying for property maintenance,” he added. “While this is something every homeowner should keep in mind, it’s important to budget for home emergencies and upkeep.”
Another benefit to homeownership is that monthly costs are generally fixed. Owners know how much their monthly mortgage payments will be, as opposed to renting and having to prepare for higher monthly costs.
“One of the best ways to build financial security over the long term is by owning a home,” Roby said. “Owning a home is a solid investment and provides a much better return on investment than other large purchases, such as a car.”
With nearly 63% of the U.S. population being homeowners, it’s something every American deserves an opportunity to achieve.
The Fayette Board of REALTOR® is the voice for real estate in Fayette County.
May, 2019 - The importance of landscaping and curb appeal
Fayette County – The outside of your home is the first thing people see.
And first impressions are what sticks with people. Even if your home isn’t on the market, it’s important to keep the exterior looking its best.
“It may seem overwhelming, but if you keep up with maintenance, it’s easy,” said Fayette Board of REALTORS® President Bruce Roby. “It’s even more important if your home is on the market. The National Association of Realtors® found that good landscaping can increase your home’s value by up to 12%.”
“Many buyers make a decision whether to continue looking at a house, based solely on its curb appeal,” he added. “Some work on the exterior appearance can ensure that homebuyers want to go into your house.”
In addition to lawns, keeping your front porch clean and uncluttered can make it look bigger. Adding flowers this time of year can brighten the area as well.
“Power washing a porch after a long winter can work wonders,” Roby said. “Many people underestimate the importance of cleanliness, make sure lights are bug-free and wiped down and if the front door needs a paint job, it’s an inexpensive way to keep it looking fresh.”
Curb appeal may seem like an afterthought, but it should be at the forefront of consumers’ minds when they are spring cleaning.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
And first impressions are what sticks with people. Even if your home isn’t on the market, it’s important to keep the exterior looking its best.
“It may seem overwhelming, but if you keep up with maintenance, it’s easy,” said Fayette Board of REALTORS® President Bruce Roby. “It’s even more important if your home is on the market. The National Association of Realtors® found that good landscaping can increase your home’s value by up to 12%.”
“Many buyers make a decision whether to continue looking at a house, based solely on its curb appeal,” he added. “Some work on the exterior appearance can ensure that homebuyers want to go into your house.”
In addition to lawns, keeping your front porch clean and uncluttered can make it look bigger. Adding flowers this time of year can brighten the area as well.
“Power washing a porch after a long winter can work wonders,” Roby said. “Many people underestimate the importance of cleanliness, make sure lights are bug-free and wiped down and if the front door needs a paint job, it’s an inexpensive way to keep it looking fresh.”
Curb appeal may seem like an afterthought, but it should be at the forefront of consumers’ minds when they are spring cleaning.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
April, 2019 - Fair Housing Month
Uniontown, PA – National Fair Housing Month is celebrated each April, in an effort to continue to work toward ending discrimination in housing across the country.
The act was signed into law by President Lyndon B. Johnson on April 11, 1968 and prohibits discrimination against homebuyers or renters due to race, color, national origin, religion, sex, familial status or disability. Realtors® have a vital hand in ensuring fair housing for all.
“Last year, we celebrated the 50th anniversary of this iconic act,” said Fayette Board of REALTORS® President Bruce Roby. “While the Fair Housing Act has helped make strides in ending discrimination against renters and homebuyers, we still have a long way to go.”
Realtors® follow a strict Code of Ethics, and are committed to helping everyone achieve the American dream of housing. Those searching for a property should not ask Realtors® about the demographics, such as the race, schools or religion, of a neighborhood.
“While some buyers and renters may think asking for this information is innocent inquiring, it is not,” Roby said. “The Fair Housing Act prohibits Realtors® from giving this information to avoid steering clients to or away from specific neighborhoods. Instead, Realtors® are able to provide resources for buyers to investigate school information and crime statistics. Realtors® recognize the significance of upholding fair housing laws and their commitment to offering equal professional service to all clients.”
If consumers believe they have experienced a fair housing issue, they should contact the Pennsylvania Human Relations Commission at phrc.pa.gov.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
The act was signed into law by President Lyndon B. Johnson on April 11, 1968 and prohibits discrimination against homebuyers or renters due to race, color, national origin, religion, sex, familial status or disability. Realtors® have a vital hand in ensuring fair housing for all.
“Last year, we celebrated the 50th anniversary of this iconic act,” said Fayette Board of REALTORS® President Bruce Roby. “While the Fair Housing Act has helped make strides in ending discrimination against renters and homebuyers, we still have a long way to go.”
Realtors® follow a strict Code of Ethics, and are committed to helping everyone achieve the American dream of housing. Those searching for a property should not ask Realtors® about the demographics, such as the race, schools or religion, of a neighborhood.
“While some buyers and renters may think asking for this information is innocent inquiring, it is not,” Roby said. “The Fair Housing Act prohibits Realtors® from giving this information to avoid steering clients to or away from specific neighborhoods. Instead, Realtors® are able to provide resources for buyers to investigate school information and crime statistics. Realtors® recognize the significance of upholding fair housing laws and their commitment to offering equal professional service to all clients.”
If consumers believe they have experienced a fair housing issue, they should contact the Pennsylvania Human Relations Commission at phrc.pa.gov.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
March, 2019 - The importance of home staging in real estate
Uniontown – Before putting a home on the market, most people know to clean up clutter, straighten up rooms and make their house look nice for photos.
But you should take it a step further. Staging, which is hiring a professional to temporarily redesign the home to make it look more appealing to buyers, is becoming a must-do, even in a hot market. Staged homes sell 88 percent faster and for 20 percent more than non-staged ones, according to realtor.com®.
“While it may seem wasteful to spend money on a home stager when you’re trying to sell your home, the benefits almost always outweigh the costs,” said Fayette Board of REALTORS® President Bruce Roby. “A professional will be able to make your house look its absolute best and hopefully attract the perfect buyer. A staged home gives the impression that your home is well-maintained.”
Staging goes beyond just the inside, it’s important for the outside of your home to look spotless as well.
“Curb appeal is so important, it is the first thing prospective buyers will see when they arrive at your home. A professional will be able to catch any small details you may have overlooked and allow your buyers to have a favorable first impression of your home,” he said.
It’s also a way for a fresh set of eyes to see your home, which is how all potential buyers will view it.
“Selling a home can be stressful, but a stager can make sure your home is at its most attractive,” Roby added. “Ask your Realtor® for a referral to make your home look its best.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
But you should take it a step further. Staging, which is hiring a professional to temporarily redesign the home to make it look more appealing to buyers, is becoming a must-do, even in a hot market. Staged homes sell 88 percent faster and for 20 percent more than non-staged ones, according to realtor.com®.
“While it may seem wasteful to spend money on a home stager when you’re trying to sell your home, the benefits almost always outweigh the costs,” said Fayette Board of REALTORS® President Bruce Roby. “A professional will be able to make your house look its absolute best and hopefully attract the perfect buyer. A staged home gives the impression that your home is well-maintained.”
Staging goes beyond just the inside, it’s important for the outside of your home to look spotless as well.
“Curb appeal is so important, it is the first thing prospective buyers will see when they arrive at your home. A professional will be able to catch any small details you may have overlooked and allow your buyers to have a favorable first impression of your home,” he said.
It’s also a way for a fresh set of eyes to see your home, which is how all potential buyers will view it.
“Selling a home can be stressful, but a stager can make sure your home is at its most attractive,” Roby added. “Ask your Realtor® for a referral to make your home look its best.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
February, 2019 - The Difference between real estate agents and Realtors®
Uniontown, PA – When it comes to buying or selling a home, you know it’s best to hire a professional.
But what’s the difference between a real estate agent and a Realtor®? Does it matter who you hire?
The simple answer is yes.
Both Realtors® and real estate agents have to take classes and pass a licensing test to help people buy or sell property. Realtors® take it one step further and become members of the National Association of Realtors®.
“Realtors® promise to abide by a strict Code of Ethics when they join NAR,” said Fayette Board of REALTORS® President Bruce Roby. “This code has 17 guidelines that we promise to follow, and it sets us apart from real estate agents. Realtors® promise to always act morally and honestly with other Realtors® and the community.”
Realtors® must also follow NAR’s standards of practice. “NAR’s standards help guide Realtors® in their duties to the public, clients and other Realtors®. Realtors® strive to promote property ownership for everyone, and not act in their own best interest,” he said.
Most Realtors® will self-identify as so. You can also use the search function on PARealtor.org to find a Realtor®.
“Buying or selling a property is an exciting time, but there are many stresses associated with it,” Roby added. “Realtors® are skilled at correctly pricing your home, marketing and negotiating to ensure your experience buying or selling goes as smoothly as possible. You’ll want to hire a professional who has your best interests at heart.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
But what’s the difference between a real estate agent and a Realtor®? Does it matter who you hire?
The simple answer is yes.
Both Realtors® and real estate agents have to take classes and pass a licensing test to help people buy or sell property. Realtors® take it one step further and become members of the National Association of Realtors®.
“Realtors® promise to abide by a strict Code of Ethics when they join NAR,” said Fayette Board of REALTORS® President Bruce Roby. “This code has 17 guidelines that we promise to follow, and it sets us apart from real estate agents. Realtors® promise to always act morally and honestly with other Realtors® and the community.”
Realtors® must also follow NAR’s standards of practice. “NAR’s standards help guide Realtors® in their duties to the public, clients and other Realtors®. Realtors® strive to promote property ownership for everyone, and not act in their own best interest,” he said.
Most Realtors® will self-identify as so. You can also use the search function on PARealtor.org to find a Realtor®.
“Buying or selling a property is an exciting time, but there are many stresses associated with it,” Roby added. “Realtors® are skilled at correctly pricing your home, marketing and negotiating to ensure your experience buying or selling goes as smoothly as possible. You’ll want to hire a professional who has your best interests at heart.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
January, 2019 - What you need to know about financing for home buying
Fayette County – Do you know what financing options are available to you when you purchase a home?
“Consumers should be aware of all the financing opportunities they can use when they are buying a property,” said Bruce Roby, president of the Fayette Board of REALTORS®. “There are opportunities beyond the standard mortgage and down payment options they may be familiar with.”
Here in the commonwealth, the majority of homebuyers are opting to use a 30-year mortgage to purchase their homes.
The Pennsylvania Association of Realtors® found in their Welcome Home survey that homebuyers were more likely in the fourth quarter of 2017 to use a 30-year mortgage than in previous quarters, while all-cash buys took a dive
“It’s important for homebuyers to work with a Realtor® so they understand the resources for financing a home purchase, as well as what is their best option,” he. “Getting pre-qualified for a mortgage is one of the first steps a homebuyer should take, so they know what properties are realistically in their budget.”
While many potential homebuyers feel deterred by student loan debt, in most areas, owning is less expensive than renting.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
“Consumers should be aware of all the financing opportunities they can use when they are buying a property,” said Bruce Roby, president of the Fayette Board of REALTORS®. “There are opportunities beyond the standard mortgage and down payment options they may be familiar with.”
Here in the commonwealth, the majority of homebuyers are opting to use a 30-year mortgage to purchase their homes.
The Pennsylvania Association of Realtors® found in their Welcome Home survey that homebuyers were more likely in the fourth quarter of 2017 to use a 30-year mortgage than in previous quarters, while all-cash buys took a dive
“It’s important for homebuyers to work with a Realtor® so they understand the resources for financing a home purchase, as well as what is their best option,” he. “Getting pre-qualified for a mortgage is one of the first steps a homebuyer should take, so they know what properties are realistically in their budget.”
While many potential homebuyers feel deterred by student loan debt, in most areas, owning is less expensive than renting.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
