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
November, 2018 - Smart Home Technology
Fayette County – Smart home technology is becoming increasingly popular. But is it worth it?
“Updating a home with smart home technology can add value and safety features for consumers. Additionally, most smart home products can ultimately help save money, such as smart thermometers, which adjust temperatures accordingly,” said Fayette Board of REALTORS® President Bruce Roby. “And smart appliances, like laundry machines and dishwashers, help reduce water waste and use less energy.”
As consumers look to age in their own homes, smart technology can help. “Smart home features can be life-changing for people, he said. “Items like smart lights and blinds can transform a living environment to make it more accessible for people with chronic illnesses and disabilities.”
However, if consumers are concerned about privacy, some smart home products may be a turnoff to potential buyers.
“Understandably, it makes some people nervous about what kind of data some of these products are collecting, but with thorough research, along with using caution, these smart home products have generally proven to be quite safe,” Roby added. “Actually, many of these products can offer additional security for a home.”
Regardless, it doesn’t appear as if smart home products are going away any time soon. A recent study found that consumers are expected to spend more than $20 million on smart home products this year, and that by 2022, more than half of all households will have smart home technology.
“As with any kind of large purchase, it’s important to do research and know what options are available to you,” Roby said.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
“Updating a home with smart home technology can add value and safety features for consumers. Additionally, most smart home products can ultimately help save money, such as smart thermometers, which adjust temperatures accordingly,” said Fayette Board of REALTORS® President Bruce Roby. “And smart appliances, like laundry machines and dishwashers, help reduce water waste and use less energy.”
As consumers look to age in their own homes, smart technology can help. “Smart home features can be life-changing for people, he said. “Items like smart lights and blinds can transform a living environment to make it more accessible for people with chronic illnesses and disabilities.”
However, if consumers are concerned about privacy, some smart home products may be a turnoff to potential buyers.
“Understandably, it makes some people nervous about what kind of data some of these products are collecting, but with thorough research, along with using caution, these smart home products have generally proven to be quite safe,” Roby added. “Actually, many of these products can offer additional security for a home.”
Regardless, it doesn’t appear as if smart home products are going away any time soon. A recent study found that consumers are expected to spend more than $20 million on smart home products this year, and that by 2022, more than half of all households will have smart home technology.
“As with any kind of large purchase, it’s important to do research and know what options are available to you,” Roby said.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
October, 2018 - Welcome Home survey
Fayette County – More consumers report that selling their previous homes and paperwork requirements are the most stressful part of the homebuying process.
According to the most recent Welcome Home survey, released by the Pennsylvania Association of Realtors®, nearly 30 percent of recent homebuyers cited both parts of the process as the most stressful, an increase of 300 percent in just a year.
“The Welcome Home survey results show how lower inventory and a quick market has impacted homebuyers in the commonwealth,” said Fayette Board of REALTORS® President Bruce Roby. “In fact, 27 percent of new buyers reported that they went from searching to closing on a home in less than a month.”
Additionally, more than half of all homebuyers said their homebuying process took less than three months. Income levels also seem to influence how long consumers take in the home search. Lower-income buyers are more likely to close faster than those who earn more than $150,000.
“The best thing homebuyers can do is prepare themselves,” Roby added. “Get your financial information ready, become pre-approved for a mortgage and if selling a home, get it ready to be put on the market. The real estate market isn’t waiting for anyone these days.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
According to the most recent Welcome Home survey, released by the Pennsylvania Association of Realtors®, nearly 30 percent of recent homebuyers cited both parts of the process as the most stressful, an increase of 300 percent in just a year.
“The Welcome Home survey results show how lower inventory and a quick market has impacted homebuyers in the commonwealth,” said Fayette Board of REALTORS® President Bruce Roby. “In fact, 27 percent of new buyers reported that they went from searching to closing on a home in less than a month.”
Additionally, more than half of all homebuyers said their homebuying process took less than three months. Income levels also seem to influence how long consumers take in the home search. Lower-income buyers are more likely to close faster than those who earn more than $150,000.
“The best thing homebuyers can do is prepare themselves,” Roby added. “Get your financial information ready, become pre-approved for a mortgage and if selling a home, get it ready to be put on the market. The real estate market isn’t waiting for anyone these days.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
September, 2018 - Open house safety tip
Hosting an open house is a great way to show off your home to a variety of potential buyers in a short period of time.
But that also means there are potentially dozens of strangers in your house. What can you do to protect yourself and your home?
“First, discuss with your Realtor® what he or she is doing to make sure everyone and everything is safe, and the open house goes smoothly,” said Fayette Board of REALTORS® President Bruce Roby. “Your Realtor® should have a plan in the event of an emergency, but should also be doing everything he or she can to prevent an unpleasant situation.”
An open house is an opportunity for your house to shine, but make sure all valuables are locked in a safe and remove any prescription medications from the home. Check window and door locks to make sure they are secure and be sure to check them again after the open house has ended.
It’s also wise to check with your insurance provider to see what they do and do not cover in your policy regarding property damages or damaged valuables.
“If you have pets, ask a friend or family member to take them for the time of the open house,” Roby added. “With so many new faces coming in and out, it may scare your pet and cause them to behave aggressively.”
“Having an open house is a wonderful opportunity to showcase what it has to offer,” Roby said. “But it’s important to plan for any situation that may arise.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
But that also means there are potentially dozens of strangers in your house. What can you do to protect yourself and your home?
“First, discuss with your Realtor® what he or she is doing to make sure everyone and everything is safe, and the open house goes smoothly,” said Fayette Board of REALTORS® President Bruce Roby. “Your Realtor® should have a plan in the event of an emergency, but should also be doing everything he or she can to prevent an unpleasant situation.”
An open house is an opportunity for your house to shine, but make sure all valuables are locked in a safe and remove any prescription medications from the home. Check window and door locks to make sure they are secure and be sure to check them again after the open house has ended.
It’s also wise to check with your insurance provider to see what they do and do not cover in your policy regarding property damages or damaged valuables.
“If you have pets, ask a friend or family member to take them for the time of the open house,” Roby added. “With so many new faces coming in and out, it may scare your pet and cause them to behave aggressively.”
“Having an open house is a wonderful opportunity to showcase what it has to offer,” Roby said. “But it’s important to plan for any situation that may arise.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
August, 2018 - Tips for buying and selling a home
Uniontown, PA – Buying or selling a home is one of the biggest decisions someone will make in their life.
“Those looking to buy a home should do their homework,” said Fayette Board of REALTORS® President Bruce Roby. “Research what you absolutely need in a home, and also consider what features you prefer and which ones you would be willing to compromise on. Working with a Realtor® can help buyers find the best home for their situation.”
Getting pre-approved for a mortgage is also one of the first steps homebuyers should take so they’re aware of their budget. When starting the mortgage application process, take time to shop around to ensure you have the best loan product. Ask about additional fees and ask questions so you understand the annual percentage rate and other fees.
“When putting a home on the market, it is important to work with a Realtor® who you trust and can communicate with,” Roby said. “Realtors® provide professional advice on setting the price and offer great negotiating skills.”
Staging a home before placing it for sale is an important step that many owners overlook. And hiring a professional to give the home a thorough cleaning is also a good way to make your home shine and attract buyers.
“Buying or selling a home is a big commitment,” Roby said. “It’s important to be prepared no matter what side of the transaction you are on.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
“Those looking to buy a home should do their homework,” said Fayette Board of REALTORS® President Bruce Roby. “Research what you absolutely need in a home, and also consider what features you prefer and which ones you would be willing to compromise on. Working with a Realtor® can help buyers find the best home for their situation.”
Getting pre-approved for a mortgage is also one of the first steps homebuyers should take so they’re aware of their budget. When starting the mortgage application process, take time to shop around to ensure you have the best loan product. Ask about additional fees and ask questions so you understand the annual percentage rate and other fees.
“When putting a home on the market, it is important to work with a Realtor® who you trust and can communicate with,” Roby said. “Realtors® provide professional advice on setting the price and offer great negotiating skills.”
Staging a home before placing it for sale is an important step that many owners overlook. And hiring a professional to give the home a thorough cleaning is also a good way to make your home shine and attract buyers.
“Buying or selling a home is a big commitment,” Roby said. “It’s important to be prepared no matter what side of the transaction you are on.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
July, 2018 - Buying older versus newer home
Uniontown – Buying a home is one of the biggest financial decisions most people make in their entire life. But is it better to buy an older home or a newer home?
“Older homes tend to have more character, stronger foundations and more established neighborhoods” said Fayette Board of REALTORS® President Bruce Roby. “However, older homes can also require more updates, more maintenance and have less technological and green features.”
On the other hand, buying a newer home offers a few amenities that older homes don’t have.
“Newer homes will typically have more updated appliances, are more energy efficient and buyers can generally move in right away or soon thereafter,” Roby said. “However, newer homes typically lack uniqueness amongst them, have less established neighborhoods and have less lot space.”
Ultimately, each individual homebuyer is unique in their needs.
“Both newer and older homes have their advantages and their disadvantages,” Roby said. “It’s up to the homebuyer to decide which type of home ultimately suits their lifestyles. A Realtor® is there to help guide homebuyers into the home that is right for them.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
“Older homes tend to have more character, stronger foundations and more established neighborhoods” said Fayette Board of REALTORS® President Bruce Roby. “However, older homes can also require more updates, more maintenance and have less technological and green features.”
On the other hand, buying a newer home offers a few amenities that older homes don’t have.
“Newer homes will typically have more updated appliances, are more energy efficient and buyers can generally move in right away or soon thereafter,” Roby said. “However, newer homes typically lack uniqueness amongst them, have less established neighborhoods and have less lot space.”
Ultimately, each individual homebuyer is unique in their needs.
“Both newer and older homes have their advantages and their disadvantages,” Roby said. “It’s up to the homebuyer to decide which type of home ultimately suits their lifestyles. A Realtor® is there to help guide homebuyers into the home that is right for them.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
June, 2018 - Bathroom Renovations
Uniontown, PA – Bathroom renovations are quickly becoming one of the hottest remodels for homeowners.
“A recent report from the National Association of Home Builders found that more people are choosing to remodel their bathrooms over other spaces, like their kitchen or bedroom,” said Fayette Board of REALTORS® President Bruce Roby. “Bathroom remodels tend to be more affordable than other remodels, and updating a bathroom could help a home’s resale value.”
Renovating a bathroom can be a do-it-yourself project for the handier homeowners, but many owners prefer to use a professional.
“Remodeling a bathroom can be as simple as replacing tile or as complicated as a complete overhaul,” Roby said. “A bathroom remodel will most likely recoup at least half of its cost, according to Remodeling Magazine.”
Many homeowners start by renovating the master bathroom before other bathrooms in the home.
“Renovating a smaller space like a bathroom is a great place to start for homeowners who want to update their homes,” Roby said. “It may even lead to other projects to make their homes even more comfortable and personal.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
“A recent report from the National Association of Home Builders found that more people are choosing to remodel their bathrooms over other spaces, like their kitchen or bedroom,” said Fayette Board of REALTORS® President Bruce Roby. “Bathroom remodels tend to be more affordable than other remodels, and updating a bathroom could help a home’s resale value.”
Renovating a bathroom can be a do-it-yourself project for the handier homeowners, but many owners prefer to use a professional.
“Remodeling a bathroom can be as simple as replacing tile or as complicated as a complete overhaul,” Roby said. “A bathroom remodel will most likely recoup at least half of its cost, according to Remodeling Magazine.”
Many homeowners start by renovating the master bathroom before other bathrooms in the home.
“Renovating a smaller space like a bathroom is a great place to start for homeowners who want to update their homes,” Roby said. “It may even lead to other projects to make their homes even more comfortable and personal.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County
May, 2018 - Benefits of Homeownership
Uniontown, PA - Homeownership has been a part of the American dream since the beginning, and today that dream is stronger than ever.
“Homeownership strengthens communities, builds wealth and creates vibrant neighborhoods,” said Fayette Board of REALTORS® President Bruce Roby. “The National Association of Realtors® found that homeownership has a positive impact on both education and happiness levels.”
Homeownership creates jobs in the local and surrounding community. Every home purchase creates as much as $52,000 of economic activity in Pennsylvania, according to research by the National Association of Realtors®.
That’s why the Pennsylvania Association of Realtors® and the Fayette Board of REALTORS® are supporting House Bill 1981 (Bizzarro, D-Erie and Brown, R-Monroe) and Senate Bill 1066 (Fontana, D-Allegheny and Mensch, R-Montgomery), both of which would create a First-Time Homebuyers Savings Account Program in Pennsylvania. The First-Time Homebuyers Savings Account Program would provide an incentive for Pennsylvanians to save toward the purchase of a first home and the money saved could be deducted on state income tax returns. Parents and grandparents would be eligible to save for children and grandchildren as well. To encourage your legislator to support the First-Time Homebuyers Savings Account legislation, visit FirstHomePA.com
“Studies also show that most renters who become homeowners have a higher level of housing satisfaction,” Roby said. “Homeowners are also more likely to be healthier.”
“Homeowners are more satisfied socially,” he added. “Research shows that owning a home impacts the economic future of homeowners. And, as Realtors®, we hope to help people achieve that dream.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
“Homeownership strengthens communities, builds wealth and creates vibrant neighborhoods,” said Fayette Board of REALTORS® President Bruce Roby. “The National Association of Realtors® found that homeownership has a positive impact on both education and happiness levels.”
Homeownership creates jobs in the local and surrounding community. Every home purchase creates as much as $52,000 of economic activity in Pennsylvania, according to research by the National Association of Realtors®.
That’s why the Pennsylvania Association of Realtors® and the Fayette Board of REALTORS® are supporting House Bill 1981 (Bizzarro, D-Erie and Brown, R-Monroe) and Senate Bill 1066 (Fontana, D-Allegheny and Mensch, R-Montgomery), both of which would create a First-Time Homebuyers Savings Account Program in Pennsylvania. The First-Time Homebuyers Savings Account Program would provide an incentive for Pennsylvanians to save toward the purchase of a first home and the money saved could be deducted on state income tax returns. Parents and grandparents would be eligible to save for children and grandchildren as well. To encourage your legislator to support the First-Time Homebuyers Savings Account legislation, visit FirstHomePA.com
“Studies also show that most renters who become homeowners have a higher level of housing satisfaction,” Roby said. “Homeowners are also more likely to be healthier.”
“Homeowners are more satisfied socially,” he added. “Research shows that owning a home impacts the economic future of homeowners. And, as Realtors®, we hope to help people achieve that dream.”
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
April, 2018 - Fair Housing Act Marks 50th Anniversary
Fayette County – This year marks the 50th anniversary of the Fair Housing Act.
The act, signed into law by President Lyndon B. Johnson on April 11, 1968, is recognized each April. It prohibits discrimination against homebuyers or renters due to race, color, national origin, religion, sex, familial status or disability. Realtors® have a strong hand in ensuring fair housing for all.
“The Fair Housing Act changed the housing industry half of a century ago,” said Fayette Board of REALTORS® President Bruce Roby. “Realtors® pride themselves in following the act, along the National Association of Realtors® Code of Ethics, providing an opportunity for housing for all.”
On the other hand, homebuyers searching for their dream home should not ask Realtors® about these same demographics, such as the race, schools or religion, of a neighborhood.
“Some homebuyers simply don’t realize it is illegal for a Realtor® to give this information,” Roby said. “The Fair Housing Act prevents Realtors® from providing this information, as it may steer some homebuyers toward or away from certain neighborhoods. The Fair Housing Act gives everyone the opportunity to live where they choose to regardless of race, religion, sex or disability status, so they can achieve the American dream of homeownership.”
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, signed into law by President Lyndon B. Johnson on April 11, 1968, is recognized each April. It prohibits discrimination against homebuyers or renters due to race, color, national origin, religion, sex, familial status or disability. Realtors® have a strong hand in ensuring fair housing for all.
“The Fair Housing Act changed the housing industry half of a century ago,” said Fayette Board of REALTORS® President Bruce Roby. “Realtors® pride themselves in following the act, along the National Association of Realtors® Code of Ethics, providing an opportunity for housing for all.”
On the other hand, homebuyers searching for their dream home should not ask Realtors® about these same demographics, such as the race, schools or religion, of a neighborhood.
“Some homebuyers simply don’t realize it is illegal for a Realtor® to give this information,” Roby said. “The Fair Housing Act prevents Realtors® from providing this information, as it may steer some homebuyers toward or away from certain neighborhoods. The Fair Housing Act gives everyone the opportunity to live where they choose to regardless of race, religion, sex or disability status, so they can achieve the American dream of homeownership.”
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, 2018 - Engage in spring cleaning to freshen home
Uniontown – With spring around the corner, now is the time to declutter and clean, said Bruce Roby, president of the Fayette Board of REALTORS®.
“Warmer temperatures are coming in, and now is the time to prepare homes for the spring and summer seasons,” said Roby. “While it is easy to remember to do the basics, like dusting and vacuuming, now is a great time to do a deep cleaning.”
Roby suggested washing walls and baseboards, scrubbing ceilings and light fixtures and cleaning the dishwasher and washer and dryer. It also helps to declutter, he suggested donating or trashing the things you haven’t used in the past year.
“Tackling a project this big may seem overwhelming,” Roby said. “I suggest breaking it up by room, and making sure you have all the necessary cleaning supplies before you begin. It doesn’t all have to be done in a day. Being thorough will be better in the long run.”
Take time to organize and arrange things you do use, and make a plan to keep your home clutter-free. It will make next year’s spring cleaning that much easier, said Roby.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
“Warmer temperatures are coming in, and now is the time to prepare homes for the spring and summer seasons,” said Roby. “While it is easy to remember to do the basics, like dusting and vacuuming, now is a great time to do a deep cleaning.”
Roby suggested washing walls and baseboards, scrubbing ceilings and light fixtures and cleaning the dishwasher and washer and dryer. It also helps to declutter, he suggested donating or trashing the things you haven’t used in the past year.
“Tackling a project this big may seem overwhelming,” Roby said. “I suggest breaking it up by room, and making sure you have all the necessary cleaning supplies before you begin. It doesn’t all have to be done in a day. Being thorough will be better in the long run.”
Take time to organize and arrange things you do use, and make a plan to keep your home clutter-free. It will make next year’s spring cleaning that much easier, said Roby.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
February, 2018 - Benefits of using a Realtor®
Fayette County –Whether you are buying or selling your home, navigating a real estate transaction can be tricky.
Fortunately, a Realtor® can help guide you through this expensive, emotional deal.
“While some people think they can sell or buy on their own, it can be a complicated matter,” said Bruce Roby, president of the Fayette Board of REALTORS®. “Working with a Realtor® allows consumers to tap into the professional’s expertise, knowledge and skills, making this huge transaction go more smoothly.”
With an ever-changing market, Realtors® have the tools to properly price, list and market homes, as well as the ability to show for-sale homes that are just right for the buyer in the area.
“Realtors® know their local communities, so they understand the local market conditions. They’re on your side, representing your interests in the real estate transaction,” added Roby.
What sets Realtors® apart from real estate agents is their adherence to the National Association of Realtors® Code of Ethics. The code is more than 100 years old and is a comprehensive document that outlines professional responsibilities owed to clients, customers, other Realtors® and the general public. Consumers can read more about the Code and how it benefits them at nar.realtor/code-of-ethics.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
Fortunately, a Realtor® can help guide you through this expensive, emotional deal.
“While some people think they can sell or buy on their own, it can be a complicated matter,” said Bruce Roby, president of the Fayette Board of REALTORS®. “Working with a Realtor® allows consumers to tap into the professional’s expertise, knowledge and skills, making this huge transaction go more smoothly.”
With an ever-changing market, Realtors® have the tools to properly price, list and market homes, as well as the ability to show for-sale homes that are just right for the buyer in the area.
“Realtors® know their local communities, so they understand the local market conditions. They’re on your side, representing your interests in the real estate transaction,” added Roby.
What sets Realtors® apart from real estate agents is their adherence to the National Association of Realtors® Code of Ethics. The code is more than 100 years old and is a comprehensive document that outlines professional responsibilities owed to clients, customers, other Realtors® and the general public. Consumers can read more about the Code and how it benefits them at nar.realtor/code-of-ethics.
The Fayette Board of REALTORS® is the voice for real estate in Fayette County.
January, 2018 - 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.
