Team Lightfoot REALTORS®'s Blog Posts

Are You Wondering...."Should I Rent OR Should I Buy"?

Team Lightoot Realtors at eXp RealtyMary Ann Lightfoot (NV Lic# 53468) orFrancesca Lightfoot (NV Lic# 193333) 702.718

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Demand for Housing Remains Solid

Team Lightoot Realtors at eXp RealtyMary Ann Lightfoot (NV Lic# 53468) orFrancesca Lightfoot (NV Lic# 193333) 702.718

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Homeownership Can Still Be the American Dream

Defining the American dream is personal, and no one individual will have the same definition as another. But the feelings it brings about – success, freedom, and a sense of prosperity –

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If You're Selling Your House This Summer, Hiring a Pro Is Critical

It can be tempting, especially with how hot the housing market has been over the past two years, to consider selling your home on your own. But today’s market is at a turning

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Real Estate is Local

Real estate is local and we can provide the information you need to discern your real estate decisions.  Contact Team Lightfoot Realtors for current buying and selling market updates.Team

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You Can Become a Homeowner With the Help Of Down Payment Assistance Programs

A recent survey from Bankrate asks prospective buyers to identify the biggest obstacles in their homebuying journey. It found that 36% of those polled said saving for a down

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Buy Before You Sell

It is understandable, homeowners are concerned about selling their home before finding the replacement, especially, with the low inventories currently available in most markets, but a strong

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A Key Opportunity for Today's Homebuyers

There’s no denying the housing market has delivered a fair share of challenges to homebuyers over the past two years. Two of the biggest hurdles homebuyers faced during the pandemic were the

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First Thing When Thinking of Selling

The first thing you need to know when you're thinking of selling is the value. While online portals are convenient, they are far from accurate.  CLICK TO LEARN MORETeam Lightoot Realtors at eXp

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Existing Home Sales - May 2022

Sales have slowed 8.6% year-over-year while inventory slightly increased to 2.6 months and median sales price has risen over $400,000 for the first time and is up 14.8% year-over year.Contact Team

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Why Licensed Realtors are Essential When Pricing Your House

Some HighlightsWhen it comes to pricing your house, there’s a lot to consider. The only way to ensure you price it right is by partnering with a local real estate professional.To find the

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Proper Pricing

Every seller is challenged to price their home properly for a quick sale at the optimal price with the fewest problems.  Contact Team Lightfoot Realtor and request a FREE Compartitve Market

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Homeownership Is a Great Hedge Against the Impact of Rising Inflation In Today's Market

If you’re following along with the news today, you’ve heard about rising inflation. Today, inflation is at a 40-year high. According to the National Association of

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Home Prices Outlook

Home prices nationwide, including distressed sales, increased year over year by 20.9% in April 2022...home prices are forecasted to increase on a year-over-year basis by 5.6%.  Contact Team

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5 Major Things To Avoid After Applying for a Home Loan

Once you’ve applied for a mortgage to buy a home, there are some key things to keep in mind. While it’s exciting to start thinking about moving in and decorating, be careful when it

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When are the Negotiations Over?

The primary negotiation in a home purchase takes place when the contract is agreed upon that includes the price, closing and possession, but until the home is closed and funded, there could be more

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Inexpensive ways to prepare your home to sell

Getting a home ready to sell doesn't mean a total remodel, or necessarily, even staging, but there are things that every homeowner can do that will help their sale.CLICK TO LEARN HOWTeam Lightoot

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The Average Homeowners Gained $64K in Equity over the Past Year

If you own a home, your net worth likely just got a big boost thanks to rising home equity. Equity is the current value of your home minus what you owe on the loan. And today, based on

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Mortgage Type Acquired

Nine out of ten buyers, first-time or repeat, who financed their purchase, used a fixed-rate mortgage to acquire the home.  Contact Team Lightfoot Realtors to be connected to a lender for more

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Celebrating Freedom Day

 This national holiday is a day of celebration, recognition, education, and liberation. ·Since 1865·02.718

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Achieving the Dream of Homeownership Can Be More Difficult for Some Americans

This graph clearly indicates there’s a gap that still exists in the percentage of people in each community who are able to achieve homeownership. How Homeownership Impacts Household

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Happy Father's Day

"A father is neither an anchor to hold us back nor a sail to take us there, but a guiding light whose love shows us the way." Team Lightoot Realtors at eXp RealtyMary Ann Lightfoot (NV Lic#

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More Listings Are Coming onto the Market

Some HighlightsWorried you won’t be able to find your next home after you sell? You should know data from realtor.com shows more listings are coming onto the market

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Home Price Deceleration Doesn’t Mean Home Price Depreciation.....

Experts in the real estate industry use a number of terms when they talk about what’s happening with home prices. And some of those words sound a bit similar but mean very different things. To

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Get Ready Before You Find a Home

There are things you need to do to get ready to buy a home that will save you time and help you get the home you want.  Contact Team Lightfoot Realtors to connect with a lender to start the

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Another factor contributing to higher homeownership costs

Connect with Team Lightfoot Realtors for more information.Team Lightoot Realtors at eXp RealtyMary Ann Lightfoot (NV Lic# 53468) orFrancesca Lightfoot (NV Lic# 193333) 702.718

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Why More Americans Choose Real Estate as the Best Investment Than Ever Before

Americans’ opinion on the value of real estate as an investment is climbing. That’s according to an annual survey from Gallup. Not only is real estate viewed as the best

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Top Reasons You Should Own Your Home

Some HighlightsJune is National Homeownership Month, and it’s a great time to consider the benefits of owning your own home.If you’re considering homeownership, know

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47% of the U.S. is currently in a drought

Team Lightoot Realtors at eXp RealtyMary Ann Lightfoot (NV Lic# 53468) orFrancesca Lightfoot (NV Lic# 193333) 702.718

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You don't have to give an arm to get a lower rate

It may feel like your only option is to give your right arm to make buying a home more affordable in today's market but more buyers are considering an ARM, adjustable-rate mortgage.Contact Team

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Best Options for Today's First-Time Homebuyers

If you’re looking to buy your first home, you’re likely balancing several factors. Because both mortgage rates and home prices have risen this year, it costs

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Don't Expect Prices to Decline

Team Lightoot Realtors at eXp RealtyMary Ann Lightfoot (NV Lic# 53468) orFrancesca Lightfoot (NV Lic# 193333) 702.718

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Why You Need a Realtor To Determine the Right Price for Your House

If your lifestyle has changed recently and you’re ready to make a move, taking advantage of today’s sellers’ market might be just the answer for your summer plans.

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You don't have to give an arm to get a lower rate

Rising interest rates compounded with increasing home prices are causing affordability issues for many buyers.  To keep payments low, you won't have to give an arm, but more buyers are

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Mortgage Rates Higher

With rates nearly two percent higher and increased home prices, principal and interest payments on a median priced home is up about 50% in April compared to one year ago.Contact Team Lightfoot

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Learn How Homeownership Impacts You

June is National Homeownership Month,  and it’s the perfect time to reflect on how impactful owning a home can truly be. When you purchase a house, it becomes more than just a space you

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Helping the Seller See Your FHA and VA Offer More Favorably

With multiple offers the norm on many listings these days, in some cases, offers subject to FHA or VA mortgages tend to move to the bottom of the list and buyers need a plan to help them be

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Why Home Loans Today Aren't What They Were in the Past

In today’s housing market, many are beginning to wonder if we’re returning to the riskier lending habits and borrowing options that led to the housing crash 15 years ago. Let

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VA Mortgage - One Of Your Veteran's Benefits

The VA loan is one of the best mortgages a borrower can obtain; no down payment, no mortgage insurance, and great incentives.For more information, contact:Team Lightoot Realtors at eXp RealtyMary

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When to Lock-in Your Mortgage Rate

Considerations to lock-in your mortgage rate depend on a borrower's concerns about rates increasing that could put the payment out of their budget or even affect qualifying. Contact Team Lightfoot

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Summer Is a Great Time To Buy a Family Vacation Home

You may be someone who looks forward to summer each year because it gives you an opportunity to rest, unwind, and enjoy more quality time with your loved ones. Now that summer is just around the

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Buying or Selling a Home Benefits the Economy and Your Community

f you’re thinking of buying or selling a home, chances are you’re focusing on the many extraordinary ways it’ll change your life. But do you know it has a large

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Today is a Skills Market

Contact Team Lightfoot for More Information:Team Lightoot Realtors at eXp RealtyMary Ann Lightfoot (NV Lic# 53468) & Francesca Lightfoot (NV Lic# 193333)702.718

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If You Want the Best Advice, Work With a Real Estate Professional

Because buying or selling a home is such a big decision in our lives, the need for clear, trustworthy information and guidance is crucial. And while no one can give you

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Regardless, you are going to be paying more

House prices are going up and so are rents which means, regardless, you are going to be paying more for housing. Click Learn More About Housing & Rent PricesFor more information, contact

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Medical Debt Reporting Changes

Experian, Equifax, and TransUnion have agreed to important changes to report medical collection accounts beginning 7/1/22 that include no longer showing paid debt and increasing the time period to

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Do You Have Homeownership Plans? Don’t Let Rising Inflation Delay Your Plans

Some HighlightsIf recent headlines about rising inflation are making you wonder if it’s still a good time to buy, here’s what experts have to say.Housing is an asset that

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Costing More Money

The National Association of REALTORS calculates purchasing a home is now 55% more expensive than a year ago due to rising prices and mortgage rates.For more information, contact:Team Lightoot

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This Is One Thing Every Homeowner Needs To Know About a Recession

A recession does not equal a housing crisis. That’s the one thing that every homeowner today needs to know. Everywhere you look, experts are warning we could be heading toward a recession, and

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The Joy of Homeownership

If you want to express yourself by upgrading and customizing your living space but are feeling held back by your rental agreement, it might be time to consider the perks of owning your home.A

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Assume a Lower Mortgage Rate

With mortgage rates on the rise, homebuyers are considering FHA and VA assumptions to keep the payments and closing costs lower. CLICK TO LEARN MORE.For more information, contact:Team Lightoot

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Driving the Market

First-time buyers are the driving force behind the housing market with the highest level of mortgage activity since Freddie Mac began tracking in 1994.   For more information, contact:Team

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Existing Homeowners May be Facing Higher Payments

As a current homeowner, you may be basking in the consolation that you bought before the market got crazy with higher prices and interest rates. However, it doesn't mean that you may not be facing

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Assets less Liabilities = Net Worth

Your personal net worth is like a financial score card to see how you are doing related to your goals.  For more information, contact:Team Lightoot Realtors at eXp RealtyMary Ann(

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Feeling the Pinch

Homeowners may find that their payments are going up unexpectedly because assessed values have increased in response to the rising home prices and recent sales. Vist www.TeamLightfootRealtors.com

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Homeownership and the Three M's

Homeowner ship is the biggest investment you'll make.  Attention to maintenance, minimizing expenses and managing debt & risk will protect your investment in your home.  Schedule

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Things you hear about selling your home - Fact or Fake

You may very well be surprised that many of the things you hear about selling your home are not necessarily factual.  Click Here to find out FACT or FAKEFor more information, contact:Team

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Rent vs. Own Comparison

In many cases, the house payment is less than the rent paid for similar homes but once the appreciation and amortization has been factored into the comparison, it is dramatically in favor of owning

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The House You Looked At Today...

The house you looked at today and wanted to think about until tomorrow may be the same house that someone looked at yesterday and will buy today. Don't wait until tomorrow, inventory is low and

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Selling Your Home Increase Could Increase Your Tax Bill

With home prices rising 20% nationwide in the past year and in some markets, even dramatically more, many homeowners are excited about the equity in their homes but may be surprised that some of

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What every homeowner needs to know

Homeowners should be aware of the cost and value of their home not only when it was purchased but currently also.  Click below to watch the video.Mary Ann & Francesca LightfootTeam

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The Dynamics of Homeownership

The dynamics of homeownership include the home appreciating in value while the unpaid balance decreases causing the equity to.

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Find Out If Selling Your Home Will Increase Your Tax Bill?

With home prices rising 20% nationwide in the past year and in some markets, even dramatically more, many homeowners are excited about the equity in their homes.  In the past, most

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Homeowner's Net Worth 41X Greater than Renters

Homeowners' net worth is substantially higher than renters' because the benefit from property appreciation and equity build-up.Mary Ann Lightfoot,Commercial & Residential RealtoreXp Realty702

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Shower Squeegee

Using a squeegee or microfiber cloth immediately after showering can prevent soapy buildup and hard water from accumulating on glass shower.

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Buyers, Do You Want To Know Why Is Housing Supply Still So Low?

Tne key question that's top of mind for homebuyers this year is: why is it so hard to find a house to buy? The truth is, we're in the ultimate sellers' market, so real estate is ultra-competitive

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REMINDER: Key Things To Avoid After Applying for a Mortgage

Once you’ve found your dream home and applied for a mortgage, there are some key things to keep in mind before you close. It’s exciting to start thinking about moving in and decorating

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Do You Know How To Think Strategically as a Buyer in Today's Market?

The game of chess can provide incredible lessons to apply to all aspects of life, including the homebuying process. Chess requires you to plan and think about your strategy from the very beginning

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Here Are 3 Questions You Need To Ask Before Buying A Home

If you are debating purchasing a home right now, you are probably getting a lot of advice. Though your friends and family have your best interests at heart, they may not be fully aware of your needs

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You Will Have Time and Effort by Selling with an Agent

Selling a house is a time-consuming process – especially if you decide to do it on your own, known as a For Sale By Owner (FSBO). From conducting market research to reviewing legal

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Leaving Money on The Table: Owning a Home Has Distinct Financial Benefits Over Renting

Some HighlightsWhen you rent, you build your landlord’s wealth, your monthly payment depends on ever-rising rents, and you don’t benefit from home price appreciation.On

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Curious to Know Where Experts Say the Housing Market Is Heading?

As we enter the middle of 2021, many are wondering if we’ll see big changes in the housing market during the second half of this year. Here’s a look at what some experts have to say

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Don’t Forget to Budget for Closing Costs When Buying a Home

When buying a home, it’s important to have a budget and make sure you plan ahead for certain homebuying expenses. Saving for a down payment is the main cost that comes to mind for

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Your Time Is Money.....When It Comes To Selling a House

Some HighlightsSelling a house is no small task. If you decide to try to do it on your own, keep in mind you’ll be responsible for all the expert-level work of a real estate professional

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Did You Know Your House Could Be the Oasis in an Inventory Desert?

Homebuyers are flooding the housing market right now to take advantage of record-low mortgage rates. Many have a sense of urgency to find a home soon since experts forecast a steady

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Did You You Know: It’s Not Too Late To Apply For Forbearance?

Over the past year, the pandemic made it challenging for some homeowners to make their mortgage payments. Thankfully, the government initiated a forbearance program to provide much-needed

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DID YOU KNOW...Americans Find the Nonfinancial Benefits of Homeownership Most Valuable

Homeownership is a foundational part of the American Dream. As we look back on more than a year of sheltering in our homes, having a place of our own is more important than ever. While 

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Three Reasons to Refinance

Three reasons to refinance a home include lowering the cost of housing, shortening the term of the mortgage to pay it off sooner or to using the equity to accomplish another purpose.Replacing the

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Building a Pool Is Just the Beginning

During the first major stay-at-home event that most of us have experienced in this country, a pool can give you and your family enjoyable recreation without leaving the home.  For those

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Why It's Worth Digging Just a Little Deeper

There are hundreds of thousands of people who believe, for one reason or another, they cannot afford to buy a home currently.  Some people  may not for any number of reasons but it

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Did You Know: Forbearance is Not Forgiveness

Forbearance is a temporary postponement of mortgage payments.  The lender can grant this option to a borrower instead of forcing the property into foreclosure.  The CARES Act

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How Does It Measure Up?

People are always looking for a "down and dirty" way to determine the value of a home and square footage seems to be one of the most common things used by people whether they are buyers, sellers or

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Grilling Safely

More people grill in July, June & August than any other months and correspondingly, there are more injuries, as well as fires, due to grilling accidents in those months. Even though Labor Day is

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An Investment Perspective on a Home

Looking for an investment that will turn $10,000 into $80,000 in seven years?  Sound too good to be true?  What if I told you that you could live in it every day during that

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How long does a water heater last?

Did you know that the typical water heater needs to be replaced about every 10 years?   Over time sediment starts to build up around the heating element and begins to deteriorate the tank.

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FINDING THE RIGHT MATTRESS TO SAVE YOUR MARRIAGE!

You’ve got more options than ever when mattress shopping these days with no shortage of brick-and-mortar and online-only retailers to choose from. Here are the factors you should consider when

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Shopping For A Mortgage

A lower rate will not only result in a lower payment, it will amortize the loan quicker.  A $250,000 mortgage at 4.5% for 30 years will have a $1,266.71 principal and interest payment.;

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Are You Ready To Garage Sale?

A well-planned garage or yard sale can give you extra space in your home, get rid of unused items and make some money but it needs some of the same considerations that any business needs to be

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Do You Have a Home Inventory?

If you’ve ever had to file an insurance claim due to a burglary, fire or other disaster, you know that the adjustor will ask for some kind of proof of your personal belongings. They’ll

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Do You Know What Kind of Properties Are These?

It is the way the property is used that determines the type of property it is, not what it looks like.  Based on the intent of the owner, the property could be a principal residence, income

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Removing a Person from a Mortgage

When two people decide, whether they're married or not, to buy a home, they're probably considering what a great idea it is.  If later, they rethink the decision and determine to go their

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46% FHA

Fee free to contact me for more information: Mary Ann, 'Your Life Event Realtor!" eXp Realty, NV Lic #53468 702.875

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Primary Mortgage Market Survey

Fee free to contact me for more information: Mary Ann, 'Your Life Event Realtor!" eXp Realty, NV Lic #53468 702.875

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Why Put More Down

The least amount in a down payment is an attractive option when people are thinking of buying a home.  A common reason is to have cash available for furnishing the new home and  possible

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Instant Buyers Save Time But Cost Money

There are a multitude of companies across the Internet, referred to as iBuyers, who are suggesting that sellers can save the hassle of putting their home on the market, showings, repairs, open

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Financing Your Home Improvements

Home improvement loans provide a source of funds for owners to finance the improvements they want to make.  These are usually, personal installment loans that are not collateralized by the

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What is House-Hacking Rental Property?

House-hacking refers to buying a multifamily property on an owner-occupied mortgage, living in one unit and renting the others.  If you're thinking about becoming a rental mogul, starting early

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Downsizing in 2020

Approximately 52 million or 16% of Americans are age 65 and over.  It is easy to understand that some of them are thinking of downsizing their home because they don't need the same space

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Understanding Reverse Mortgages

Reverse mortgage loans are like traditional mortgages that permits homeowners to borrow money using their home as collateral while retaining title to the property.  Reverse mortgage loans

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A Good Time to Buy a Home

You may have noticed that REALTORS® seem to always think now is a good time to buy and they can usually justify it with solid reasoning.  While it can be true in general, a good time

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Time for a Toilet Upgrade

Whether it is a cosmetic or a mechanical reason for upgrading a toilet, you may not know all the choices that are involved to choose the right one for your home.  The current toilet may

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Best Interior Condensation Solution

Condensation occurs when the air has too much moisture in it which is felt as high humidity.  The water deposits on various surfaces that are cooler than the air itself.  Several

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Electing An Agent

When a whole lobster was presented at the table of a restaurant, the customer noticed there was only one claw on it.  He asked what happened to the lobster and the waiter said, maybe he

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Price It Right the First Time

The Internet has empowered all buyers with information and home buyers are no exception.    The amount of information available to public includes details on size, condition,

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What Every Homeowner Should Know About Property Insurance

 Insurance is required on a home by the mortgage company, but homeowners rely on it for peace of mind also.  Unfortunately, people may not take the time to investigate their policy

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Want to be a Landlord?

Real estate has consistently been one of the highest rated investments available to individuals.  TV shows certainly make rentals look easy and you may even know someone who has made a lot of

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Money You Saved for a Down Payment

Occasionally, buyers who can qualify to purchase a home decide to "take a break" and wait to purchase a home.  When the focus of buying a home is relaxed, other uses for the money that was

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Downsizing is an Alternative

It is estimated that over 15% of the population in the U.S. are over 65 years of age.  With one of the most common fears of seniors being their money will run out early, it is

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What To Expect When Buying a Home

The process of buying a home can be different based on the price range and whether a mortgage is needed.  While some thinTgs are different, others are similar regardless of price,

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Invest in Equity & Build-up

Equity build-up could be one of the biggest advantages to buying a home.  There are two distinct dynamics that take place to make this happen: each house payment applies an amount to

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America Still Considers Real Estate the Best

35% of respondents, in a recent annual Gallup poll that dates back to 2002, identified real estate as the best long-term investment option compared to 27% who identified stocks.The top choices

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Determining Property Type

The Internal Revenue Service considers four different types of real estate.  Specific types of properties have benefits based on their classification.  The determination does not depend on

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Get Leverage Working for You

Leverage is an investment term that describes the use of borrowed funds to control an asset; sometimes referred to as using other people's money.  Borrowed funds can affect the investment in

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Delay Will Usually Cost More

Two things can happen when the mortgage rates go up before you've found a home or locked-in your mortgage.  You'll either pay the current mortgage rate which means a higher payment, or you

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Measuring Square Footage

Square footage is commonly used to determine if a home will fit a buyer's needs.  The price per square foot can be used to compare the costs of different homes and even, determine the

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Checking for Water Leaks

Aside from standing water in your yard or water running out from under a sink, the first indication that you might have a water leak comes from a larger than normal water bill.  Before

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Building Equity

Owning a home is the first step to building equity.  Tenants build equity but not for themselves; they build it for the owners.Equity is the difference in the value of the home and what is

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Being a Homeowner and Taxes

Whether you're an owner now or expect to be one in the future, it is important to be familiar with the federal tax laws that affect homeownership.  Since personal income tax was enacted in

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Are You Really Serious?

June and July are the busiest home sale months of the year. When inventory is in short supply and you may be competing with other offers, it is important to show the seller you're serious. Make

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Don't Leave Home Without......

You been planning this trip for some time and almost every detail has been considered...or has it?  Have you thought about how to protect your home while you're out of town?  '

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Temporarily Renting a Home

IRS has provisions for homeowners regarding the sale of a principal residence that allows for temporarily renting the home without losing the ability to exclude the gain if the home is sold under

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Time To Buy Again

For people who have experienced a distressed sale of a home and gotten their finances and credit back in shape, there can still be an unanswered question of "How long do we have to wait to qualify

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Tech to Find the Right Home

Tech to Find the Right HomeAccording to the 2018 Profile of Buyers and Sellers, 52% of buyers want help to find the right home to purchase.  Physically locating the home is certainly part

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Comfort Systems

Heating and air-conditioning are frequently referred to as the "comfort systems."  If one has gone out in the dead of winter or the heat of summer, lack of comfort becomes a primary.

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A Home Warranty Can Save Money

Your income tax is probably filed for last year by now and you've been through your expenses for the year.  Money spent on repairs to your home is not deductible but being aware of how much you

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Caution iBuyers "Let us buy your home in days without the normal hassles of listing."

There are an increasing number of real estate companies, termed iBuyers, like Open Door, Offerpad, Zillow, Knock and others that market a service that has an appeal to homeowners.  The

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Information to Improve Homeownership

Qualified Charitable ContributionIf you're at an age where you need to be taking Required Minimum Distributions (age 70.5) from your IRA, a qualified charitable contribution and some planning may

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Reasons Rental Homes Rank Highest

Single family homes offer the investor an opportunity to borrow large loan-to-value loans at fixed interest rates for long terms.  Lenders will loan 75-80% of the purchase price at 5.5% to 6.5%

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Can Afford It

Affordability, stability and flexibility are the three reasons homebuyers overwhelmingly choose a 30-year term.  The payments are lower, easier to qualify for the mortgage and they can

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When It's Important...Find the Facts

Most parents don't put a lot of credence in the statements "Everyone is doing it" and "No one does that anymore."  They'll dig a little deeper and get the facts of the situation. ;

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Vegas Real Team - Your Real Estate Resource

Being a better homeowner is a full-time job.  It takes good information to make good decisions not only when you buy and sell but all the years you own a home.Think of times when you need

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Mortgage Free

It may be an all too common belief that a person will have a house payment and a car payment for the rest of their lives.  However, with a plan and some determination, you can be mortgage

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Components of Your FICO score

In today's society, you are judged by your FICO score which can be altered sometimes due to no fault of your own.  Understanding the components that contributes to a healthy credit score

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What to Avoid Before Closing Your New Home

It’s understandable; you’re excited; you’ve found the right home, negotiated a contract, made a loan application and inspections.  Closing is not that far away, and you

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Rising Rates Affect the Cost Too

Mortgage rates have risen 0.5% in 2018 on 30-year and 15-year fixed rate mortgages and experts expect them to continue to increase. Buyers paying attention to the market understand the relationship

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Replace It Anyway

If it's not broken, why would a homeowner consider replacing something as expensive as a toilet when there may be other things in the home to replace that provide more aesthetic appeal. Don't be too

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Owning Makes More Sense

When comparing the cost of owning a home to renting, there is more than the difference in house payment against the rent currently being paid. It very well could be lower than the rent but when you

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Before You Leave Town...

Along with all the planning of what you're going to do and where you're going to stay, consider this checklist to make you feel more comfortable while you're away from home.Ask a trusted friend to

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Ready For Retirement

It can be shocking to hear how many people spend more time planning their vacation or next mobile phone purchase than planning for retirement. It is hard to imagine that they are expecting Social

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