Friday, March 25, 2022
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Daily Journal Weekly Real Estate
Real Estate Tips and Advice
Friday, March 25, 2022
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HOMEWISE Listing Photos that Sell By ANNA CHANG-YEN | Green Shoot Media
How a home is marketed can have major impacts on how quickly it’s sold and the final sale price. A big part of marketing homes for sale in the modern age is photography. From multiple listing service feeds to data aggregators such as Zillow and Trulia to social networks, once your home is listed, the data is flung far and wide across the internet. That means the photos accompanying your home listing will be worth much more than a thousand words as they bounce around the web letting potential buyers peek inside. How many photos do you need? Should you hire a professional photographer? What should the photos show? A good agent will help you navigate the particulars of helping your home make a great first impression in photos.
possible to overdo it with multiple copies of photos and unnecessary or poorly staged QUANTITY AND QUALITY shots, in general, more is betConsider these numbers: ter. According to Trulia, 90 percent Almost everyone these days of buyers start their home has a phone in their pocket, search online and make a deci- but not just any snapshot will sion about whether or not to do. The home should be clean see a home in person after and in tip-top shape when looking through the listing’s photos are taken. Professional online photos. In addition, a real estate photographers offer listing with more than six pho- real value to sellers, with an tos is twice as likely to be eye for capturing unique viewed by buyers than those details and choosing just the with fewer photos. While it’s right angle to highlight a
REAL ESTATE 101
Best Practices Bad photos cheat your home out of a chance to reel in buyers who might otherwise be interested in your home. If you decide to DIY your listing photos, be sure to avoid Realtor Mag’s list of nine photo errors that are common in real estate listings, from bad lighting to angles that make rooms looked cramped. Read the full list at http://bit.ly/1rmZ2Jt.
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home’s various spaces. Be sure to point out any features that make your home unique to your agent before the photographer visits. Do you regularly enjoy the view of the sun rising over the trees from the back deck while having your morning coffee? Let your agent know, so the photographer can possibly capture the moment. Do your kitchen cabinets offer unique features, such as a stand mixer lift? Does your home theater feature custom lighting? Let your photog-
rapher capture these potential selling points.
TRENDS While digital photos are nothing new in the real estate arena, there are some recent innovations to be aware of. Drone photography is an affordable alternative to traditional aerial photography for showing off a home with substantial surrounding property and features. A 3-D virtual reality-type tour practically drops potential
buyers into your home. Multiple photos are taken throughout the home, including 360-degree shots in every room, and they’re then stitched together into an immersive walk-through experience.
STAGING If you’ve already moved out of your home, consider staging it, both for online photography purposes and for showings and open houses. It’s hard for potential buyers to see your house as a home when they only see bare walls and floors. We’ve all seen those photos in which it’s hard to tell family room from dining room from bedroom. Don’t let your home be that home.
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In accordance with the federal Fair Housing Act,we do not accept for publication any real estate listing that indicates any preference, limitation, ordiscrimination based on race, color, religion, sex, disability, family status, or national origin. If you believe a published listing states such a preference, limitation, or discrimination, please notify this publication at fairhousing@lee.net.
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Local Lenders. Local Decisions.
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Home Loans Whether you’re just starting out or building your dream home – we have a financing solution. Not to mention, our experienced lending team is ready to partner with you to help make the process quick and easy. • Variety of loan programs for qualified buyers • Competitive rates and closing costs • Local decisions made by local lenders • Permanent Fixed-Rate financing
Bank NMLS# 412605 | Member FDIC | www.fscb.com
Contact a member of our lending team today!
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Austin Fridley Park Hills NMLS #1749341 (573) 454-3086
Daily Journal Weekly Real Estate PAGE R6
Friday, March 25, 2022
HOMEWISE
Real Estate Tips and Advice
Set a House-Hunting Budget
When buying a home, you must adhere to a strict price point and budget. Especially if you are financing, the term of the loan is likely for many years. A lot can happen to impact your financial security, so make sure you buy a home that gives you room for saving and preparing for emergencies, without affecting your quality of life. A great place to start when determining your budget is to be pre-approved for a mortgage. Make an appointment with your financial experts to discover how much money they will lend you, interest fees and information on taxes. This should be done before you begin hitting open houses or hiring a Realtor to find potential properties. When you’re pre-approved, you increase buying power during negotiations and can plan a financial strategy that makes sense.
upward to accommodate new construction projects, schools or county or local services. Your insurance premium also can rise due to new policy options or claim history. Your bank is required to cover the extra funds and increase your monthly payment. It’s a good idea to stay in contact with your lender regarding shifts in policies so you’re not caught off guard with an increase. Your budget should allow you to cushion your account in case of price changes, which otherwise could cause you to be unable to afford the payment.
CONSIDERATIONS
PLAN TO OVERPAY
To become familiar with how your monthly payments are related to the size of the loan, you should understand mortgage amortization. Essentially, it is the reduction of debt by regular payments of interest and principal sufficient to pay off the balance. When choosing a fixed mortgage, your payment won’t change. However, how your payments are applied does
© ADOBE STOCK
change — from more interest at the beginning, to more principal later in the life of the loan. When you only make your minimum payment, it’s hard to have much of an impact on the bottom line. When creating your budget, make sure the monthly payment allows you room to apply
additional funds each month, so you can make a difference to the principal balance, early on.
STAY AHEAD IN ESCROW
You probably have considered wrapping all your monthly housing-related payments into an escrow account. This service offers the convenience of your
lender paying the premiums for homeowner’s insurance and property taxes. When using escrow, your fixed mortgage becomes a bit more difficult, sometimes leading to surprising increases. That’s because in many states, property taxes are reassessed annually and trend
If you’re moving into a bigger home, you’ll need to account for higher heating and air bills and water obligations. Entertainment services may not be as easily accessible if you’re moving to a desolate area where high-speed internet isn’t available. Make sure your budget can handle additional expenses for higher costs for specialty services. When developing a budget for a home, you also should consider having enough left over to contribute to a savings and emergency fund. As a homeowner, you will be solely responsible for making repairs and upgrading failing appliances.
~FUN FACT~
~FUN FACT~
– Tom is passionate about Aviation & is studying for his pilot’s license – He also LOVES to cook!! Thinking of buying or selling?? Give Tom a call at 573.631.1825
Tom Beckermann
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Candace Glore
- Candace LOVES archery!! One of her favorite things is being in the kitchen cooking up new recipes!! – She would to help you find your dream home – Give her a call at 573.366.8739
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Experienced agents, personalized service, market expertise and user-friendly online search tools to help you find the perfect property.
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Friday, March 25, 2022
573.747.8099 573.327.8300
T he Smartest Way To Make Your Move Broker-Owner
Vicky Crocker 573-747-8099
Thinking of selling your home? Don’t make a move before you call us for a free comparable market analysis.
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Amanda Lewis 573-915-2462
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Jeff & Shari Swart 573-330-4978 www.facebook.com/vickycrockerrealty
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