DAILY NEWS NORFOLK
Tuesday, April 19, 2016
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
Factors to Consider When Choosing a Neighborhood When shopping for a home, it’s easy for buyers to fall in love with a property. A well-maintained home with updated features can be hard to resist, but buyers must consider more than just a home’s appearance before submitting an offer. One variable prospective home
buyers tend to value more highly than others is the neighborhood where they will ultimately choose to live. Many buyers even value neighborhoods more than homes, feeling they can always fix a home but cannot necessarily fix an undesirable neighborhood. When considering which neighborhood to
begin a home search, buyers should research a host of factors.
Crime
Crime statistics are public domain, meaning buyers can examine crime figures for any neighborhood where they are considering buying a home. Some real estate websites list neighborhood crime ratings among the information they offer about a given property.
Home values
Home values are another factor to consider when choosing a neighborhood in which to buy a home. Buyers can work with a local realtor to find a neighborhood or area where real estate prices are trending upwards. While buyers might be able to find a great deal on a home in a neighborhood where home prices are dropping, it’s important to remember those home prices are dropping for a reason. Work with your realtor to find a neighborhood where you can afford a home and where property values are not in decline. Realtors will have access to recent sales figures so you can get an idea of whether a neighborhood is trending upward or in decline.
Amenities
The proximity of amenities such as shopping, restaurants and parks is attractive to many buyers, and that’s
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something all buyers should consider before buying a home. Even if you prefer a home in a remote location, that could limit your market of buyers when you want to sell the home down the road. While your own comfort and preferences should ultimately prevail over potential resale value, it’s important that you at least consider access to amenities before making a decision. You might be able to find a compromise in a home that is a short drive away from a town center, but still remote enough that you are not in the middle of the hustle and bustle.
Commute
Quality of life is heavily influenced by commute time. Many men and women feel their quality of life improves dramatically the shorter their daily commute is. When considering a particular neighborhood, do a test run before making an offer on a home. Wake up early and drive to the area where you are thinking of buying, and then commute from there during rush hour. Also, do the reverse commute come quitting time. You might be able to get an estimated commute time online, but a test run can give you a more accurate idea of what your daily trips to and from the office will be like. Choosing a neighborhood where you will enjoy living requires some forethought and research.
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
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yNE.com lt a e R e m o H www.Norfolk
e h t n i g n i l l e s r ing o y u b e r ’ u o y r e wheth t i s i v o t s s e r d The ad Norfolk area. Finding a realtor that knows the town inside out comes in handy for buyers and sellers. Our local knowledge, along with our advanced website with 24 hour listing updates, to include all local mls listings, will help you if you’re thinking about buying or selling a home. Visit our website first, then give us a call. Remember…There’s No Place like HOME.
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
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Things to Consider Before Buying an Investment Property Real estate can be an incredibly fruitful investment. Buying a property at the right time can provide investors with a substantial return when they decide to sell, and that opportunity compels many men and women to consider investing in real estate. While there’s no denying real estate can yield a great return on buyers’ initial investments, there’s more to making money in real estate than simply buying a property and waiting for its value to rise. Buyers who are thinking of investing in real estate should consider a host of factors before purchasing an investment property. Price trends Recent sale activity in a given town or neighborhood is something prospective real estate investors should study before buying an investment property. Would-be real estate investors can explore real estate websites recent sale information, which may also be available through local government agencies. Such data can be invaluable, showing potential investors which neighborhoods are in demand and which may be in decline.
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Taxes Investment properties are not eligible for as many tax benefits as primary residences. However, landlords can write off repairs, management costs and other fees associated with rental properties. But it’s not just their own tax bill prospective investors should consider before buying an investment property. Many potential buyers down
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the road may prefer a property in an area where property taxes are relatively low, so even if you can afford the tax on the investment property, you may find buyers are unwilling to assume that burden when you put the property up for sale in the future. Location Prospective real estate investors no doubt know the value of location with regard to real estate, but if you can’t afford to buy in a neighborhood that’s currently hot, that does not necessarily mean you can’t still capitalize on that area’s popularity. When a town becomes popular, its property values rise, and many buyers find themselves just barely priced out. When that happens, the surrounding towns tend to become the next hot neighborhood, as these areas are nearly as close to the attractions that make the initial neighborhood so desirable. Buying on the outskirts of a hot neighborhood can set you up to benefit nicely when that area gets too pricey. Schools School systems should be examined even if you do not have children. In a recent survey of American home buyers, 35 percent of respondents with children under age 18 indicated they want to live in great school districts. Real estate can be a fruitful investment, and investors who want to benefit the most from their properties will explore various factors before purchasing a home or homes.
NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
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Tips for First-time Home Buyers Buying a home for the first time is an exciting period in a person’s life. Deciding to buy a home often indicates buyers are ready to establish firm roots in a community where they can see themselves living for years to come. The process of buying a home is rarely easy, and first-time buyers may feel overwhelmed at times. Such feelings are perfectly normal and felt by first-time buyers regardless of their budgets or home preferences. But there are a few ways to make buying a home more enjoyable than it is nervewracking. • Examine your finances. The first step toward buying a home has nothing to do with deciding if you prefer a craftsman- or Tudor-style home. Before you even begin your search for a home, carefully examine your finances to determine how much is coming in and how much is going out of your household each month. Figure out how much debt you are currently carrying, be it student loan, automotive, consumer or any other types of debt. Review a credit report so you can see how prospective lenders are likely to see you, and address any errors you find on the report before meeting with any lenders. Peruse past bank statements to track your spending habits, looking for areas where you might be able to scale
back if need be. • Be prepared when visiting lenders. Prospective borrowers can make the home-buying process go smoothly by having all of the necessary documentation ready when visiting potential lenders. Many mortgage lenders will want to see some recent pay stubs (from both borrowers if buying with a spouse or partner), a couple years’ worth of W-2s and tax returns, as well as your recent bank statements. You can always call ahead and ask lenders what they need to see when applying for a loan. Having these materials ready in advance means you will spend less time at the bank and more time finding the right home for you. • Secure financing before you begin house hunting. Many first-time home buyers might not realize the benefits of securing financing before they begin looking for a home. Mortgage preapproval lets buyers know how much a bank will loan them, meaning they won’t spend time looking at homes they can’t afford. In addition, preapproval means buyers won’t lose out on their dream homes as they scramble to secure financing after making an offer. • Work with a local real estate agent. Real estate agents are an invaluable resource to home buyers and are
especially valuable to those buyers who have never before purchased a home. Agents can help first-time buyers navigate the often confusing and, at times, disappointing process of buying a home. Choose an agent who is established in the area where you want to buy a home. He or she can provide information about local property taxes and schools as well as a multitude of additional issues that first-time buyers
What To Look For When Visiting A House
• Backsplashes • Showers • Fireplaces • Floors and More!
So, you want to buy a new home and you have found a few potential properties. But how can you tell the difference between a “dream home” and a “heap of junk”? Buying a home is a big decision that should be made rationally. For this reason, there are certain things you should look for when visiting a house for the first time. For example: • • • • • • • • • • • • • •
Are the walls straight? Is the chimney in good condition? Does the foundation show signs of cracks or weakness? Are there large trees planted too closely to the house? Do the exterior doors shut properly? Are there any drafts around them once they are shut? Are there any cracks in the walls close to door frames, window frames or in the corner of ceilings? Is the ceiling level? Do all the inside doors open and shut properly? Do the windows open and shut properly? Is the floor solid? If ceramic tiles have been used, are they cracked? Has any mold or mildew built up around the windows or in the bathroom? If the house has a fireplace, are there any signs of smoke over the hearth? Is the damper air proof? Are there any odors in the basement? (A perfumed scent might be due to the owner trying to mask humidity or animal urine odors.) Is the cement floor in good condition?
Finally, visually inspect all the drains, pipes and kitchen and bathroom fixtures to make sure they are in good condition. Making a checklist of the above questions and bringing it with you when visiting new homes can be a great help.
may not think of. Agents also know the lay of the land regarding home prices, which can ease first-time buyers’ fears about overpaying for their first homes. A home is the biggest purchase many people will ever make. First-time buyers may be intimidated as they begin searching for their homes, but there are several ways to make the process go smoothly.
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
Top 5 Home Projects to Help you Save Money
D O W N PAY M E N T A S S I S TA N C E
It’s remodeling season, and with so many projects on the to-do list, which should you tackle first? While some projects provide great long-term return on investment, a few simple ones can provide instant savings. Here are the top home spring projects to help you save money: Caulk around windows and doors — Stop air leaks around your home by sealing existing gaps and cracks. Use caulking or weather stripping around doors and windows. Installing a door sweep is also a good idea. Insulate your home — Use insulation with a high R-value, which can be used to top up insulation in your attic. Aim for an R-value of 50 or a depth of 16 inches. For whole home efficiency, ensure other areas of your home, such as crawl spaces, basement headers, walls and ceilings, are well insulated. It will keep your house cool in the warm weather and take the stress off your air conditioning unit. Clean your AC unit — Come spring,
Interested in owning your own home but short on down payment funds?
Eligible Counties:
The Down Payment Assistance program (DPA) is an instrumental tool for low-to-moderate income clients that would like to purchase a home. It involves a 0% interest loan with payments deferred until transfer of title or resale of the home.
Antelope Boone Burt Cedar Colfax Cuming Dakota Dixon Dodge Douglas (rural) Knox Madison Nance Pierce Platte Stanton Thurston Washington Wayne
If you are interested in learning more about the Down Payment Assistance program, please visit our housing webpage at
www.nenedd.org/housing.html.
You may also call Judy Joy, Housing Loan Specialist, with any questions you may have.
Housing Department Judy Joy
Housing Loan Specialist judy@nenedd.org (402) 379-1150 ext. 111
Northeast Nebraska Economic Development District 111 S. 1st St | Norfolk, NE 68701 | 402-379-1150 www.nenedd.org 122002
it’s not uncommon to find an air conditioner’s condenser and compressor blocked up with dirt and debris. This can result in greater stress on the unit, causing it to work harder. Giving it a thorough cleaning is easy and can help maximize your AC unit’s service life while minimizing your energy bill. Plant trees — Direct sunlight can heat up surfaces and building materials, as well as the interior temperature of your home. Consider planting trees in strategic locations to provide shade and reduce cooling costs. Install a rain barrel — Water is an important, but costly resource. Installing a rain barrel is an easy and affordable measure to reduce your water consumption, while keeping your lawn and garden looking great. These simple home maintenance tasks can be well worth the effort, potentially providing hundreds of dollars in annual savings.
NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
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Basic Real Estate Language Whether you’re buying your first home or moving after a period in your house, you may not be familiar with the very specific and very important basic language of real estate transactions. Here is a brief glossary to help you get started and understand the intricacies of your home purchase. When you are looking for a mortgage, you’ll have to be concerned with your debt-to-income ratio, PITI and PMI. In order to know what kind of borrower you will be, the lender is going to want to have proof of how much income you have and how much debt you owe. If you owe a lot of money and don’t make much, you might not be a good candidate for a large loan. PITI is the acronym for principle, interest, taxes and insurance. These are the four components that make up your mortgage each month—the amount of money you owe, the interest on that loan, the property taxes you have to pay (which are paid partially each month) and the insurance for your home, required by the lender. PMI is actually a different kind of insurance. If you are unable to put down an adequate amount, many lenders will require that you have insurance on the mortgage, adding costs each month. There are two main types of mortgages, fixed rate and adjustable rate. Fixed is a mortgage loan where the rate will not change, no matter what happens to the economy. With a fixed
mortgage, your mortgage payment will stay the same through the entire course of the loan, which is often attractive to people who want to know exactly what their financial commitments will be and how much they will have to pay. In contrast to a fixed mortgage, adjustable rate loans usually start out with a lower rate for a period of time, often three or five years, and then later adjust to the new rate at that time. That means the rate could go up or down, and these are seen as more of a risk for buyers, although they do provide a lower rate at the beginning. When you are looking to buy or sell, you will have to have an appraisal, a professional’s estimate of the value of your home. These are usually performed by the lending agency to ensure that the property they are lending you money for is actually worth the money you are asking for. These depend on local market conditions, and appraisals can vary, depending on the assessor. When you are looking for homes, your real estate agent will find you some comparables, commonly shortened to comps. These are homes in your market with roughly the same value. These are useful in deciding what the real value of a home is. By comparing it to others of a similar sale price, you can find the value of any home for sale. At the end of the process, you’ll have to go to a closing, the official transfer of property. Usually, this involves a formal
meeting between buyers, sellers and agents, but it might all happen through your escrow officer. Escrow is a system where funds are set aside into a thirdparty account until all of the paperwork is complete. Your bank will send money to the escrow account, and they will then transfer the money to the seller after all of the paperwork has been finalized, providing some measure of
assurance for both parties. These are just a few of the terms that you’ll need as you go through a home sale or purchase. The best thing you can do is to ask your real estate agent any time you have a question about the vocabulary and to keep track of the really important terms. It’s your money, and not knowing the lingo can lead you into some serious problems.
License To Build
You’re planning to renovate your home. You’re planning to build a new home. You have a major project to do on your home that you don’t think you can handle by yourself. If any of these situations apply to you, you are probably in need of a contractor. A contractor, by definition, is someone with whom you’ll have a contract. How do you know that you have found the right contractor? Well, it all depends on how you do your research. When you begin your research, take into account the scope of your project. What projects will you need done? Will they require electrical, plumbing or other special knowledge? When you begin your search for contractors, start by asking people you know who have had similar projects done. They may or may not be able to recommend
someone, but they will probably at least be able to point you in the right direction. Most contracting companies should be licensed through the BBB. Using their recommendations, make a specific outline of your plan and present it to the contractors. You may require an architect’s help on this if you are working on a large-scale project. Having a universal architectural plan can help ensure that contractors are all bidding and commenting on the same thing and keep you from getting confused comparing apples to oranges. Also, make sure that the contractors you are considering have workman’s compensation and insurance that covers all of their employees. Without this, you could be liable for accidents that occur during your project.
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
Vinyl Siding Installation Done Right Can they provide a list of references? Do they seem easy to work with? Before the salesperson leaves, make sure you get a written estimate. This should describe the work in detail, identify the products that will be used, and list all of the material and labor costs. It should also address time and payment schedules. You should know exactly what you will be getting for your money from the prep work to the actual installation to the cleanup and when that will occur. Whatever you do, don’t sign on the dotted line until you are ready. Thank the salesperson for their time and get ready for the next appointment. Once you have met with the companies on your list, do your homework. Contact the references provided and find out how the installation went. Read some online reviews. Check with the Better Business Bureau to make sure no complaints have been lodged against the company. Set up another meeting with the companies at the top of your list to discuss the job further. This is when you can talk money and make sure the financing is in order. If the price seems too steep, don’t be afraid to say so. Chances are a deal can be made. You can also discuss design preferences and work scheduling. You don’t want to be on vacation when the installation begins on your home. Most jobs can be
completed in less than a week, barring bad weather, and you’ll want to be there to ensure things are going as expected. At this time, the salesperson should walk around your home with you and tell you exactly what will be done. They should describe the installation process from beginning to end and make sure all of your needs will be met. It is crucial that you do this step to ensure you and the installer are on the same page. With any luck, you will find an installer you like and trust. Once you do, make sure you get a contract signed. Don’t wait until it’s too late and the installer is all booked up. Call as soon as you make your selection and be prepared to put down a deposit. Choosing the right siding installer takes time. Don’t rush the process. Siding is too big of an investment to take a chance on the installation. When you choose a company and the job begins, do what you can to assist the crew. Open up your home to them if you live in a remote area or temperatures are extreme. The crew will probably work from sunup to sundown, and giving them access to a bathroom or a shady porch will make the day easier for them. When the job is done, take the time to review the work and let the foreman or project manager know if anything
else needs done. Call, email or text any concerns you have. Don’t let things go for six months and then get in touch with the company and expect the crew to come rushing to your aid. Chances are they will be on another job, and you will have to wait, and wait, and wait. Speak up and get everything completed to your satisfaction as soon as possible. And, remember, if you’ve chosen wisely, everything should go well and end well.
Did You Know? Many homeowners prefer the look and durability of real hardwood flooring. It can be exciting to install new flooring, and you may be anxious to start transforming a room. But before diving right in, it’s necessary to acclimate wood flooring to a home. Otherwise, you may end up with buckled wood or other problems. Hardwood flooring needs to sit in the room where it will be installed for anywhere between five and 10 days or in adherence to the manufacturer recommendations. This gives the new flooring time to adjust to the humidity level and temperature of the home. Natural wood shrinks and expands due to temperature fluctuations, which is why it is essential to match the conditions in the home before working with the flooring. The boards can be acclimated in the boxes (with the ends opened) or outside of the boxes.
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Vinyl siding is a big investment, and when done right, it can add tremendous value to a home. If the time has come for you to side your home, make sure you choose the right installer. The best siding in the world won’t make up for poor installation. Here are some tips to ensure you select the best company for the job. Ask around. Find out where friends and family got their siding done and how well the installation went. Browse ads as well. The best companies will have informative websites and offer free estimates. When you have a list of potential installers, give them a call and set up an appointment. Most will jump at the opportunity to send out someone to talk to you. If not, cross them off your list. If they are too busy to talk you now, they will most certainly be too busy to talk you later down the road during installation. When interviewing potential installers, make sure they are knowledgeable about their products and procedures. The salesperson should be able to show you the siding products the company offers as well as point out each product’s features, benefits and warranties. They should also walk you through the installation process and offer design assistance and solutions to your unique needs. Ask about licensing, insurance and certification. Is everything in order?
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
Worth The Flip? It takes a lot of money to purchase a property, remodel it and sell it. Sure, low-interest financing is still available, but will you qualify for it, especially if you have your own mortgage and bills to pay? Even if you do, keep in mind that you will still have to pay interest on the loan, along with taxes, insurance and utilities, until you sell the house. On top of that, you will have to pay for supplies and services to renovate the house, and the estimates may not match the actual costs. You never know what you are going to run into when you start knocking down walls and pulling up flooring and fixtures.
Do you have the time?
From beginning to end, the process to flip a home could take months. Do you have the time to spare? Do you have the time to find the right property and put together the right team of professionals to ensure every job is done right and up to code? Do you have the time to shop for supplies, meet with contractors and inspectors?
Do you have the skills?
Again, it takes skills to renovate a house. Can you deal with all of the electrical, plumbing and carpentry
issues that will come up? If not, can you find the right people with the right skills? Keep in mind that every person you have to hire on will make a dent in your profit.
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Do you have the knowledge?
You may be planning to sell the home, but it is still an investment nonetheless, and you need to know how to get a good price initially and where to invest for a better price later. Do you know how to negotiate a good price? Can you pinpoint the renovations that will get you the most bang for your buck? Replacing the trim throughout a historic home, for example, may not add as much value as retaining the original woodwork.
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Do you have the patience?
Renovation rarely goes smoothly, even on newer homes. Do you have the patience to endure all of the issues that will crop up, like rotten floorboards and bad wiring? Do you have the patience to rework the budget to compensate for the issues that come up? Flipping is not something to jump into. It will not make you rich quick, and depending upon how you fare, it may never make you rich. If done right, it will supplement your income. The key is to learn all that you can, talk to as many people as possible and take your time working through the first few houses.
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House flipping was once all of the rage until the real estate market crashed. Now that the market is improving, interest in the endeavor is increasing again. Before you make the flip, consider these questions.
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
The Secrets of Staging Your Home to Sell There’s only one chance to make a first impression. You’ve got to put your best foot forward. These are both clichés, but they absolutely apply when you are trying to sell your home, particularly in a challenging market. There are a few secrets to staging a home that will allow you to make a great first impression on potential buyers. One thing you can do is add extra light to your home, particularly if you live in a traditionally dreary part of the country. Consider adding bulbs with extra wattage to the fixtures or more
lamps to your home. Clean windows inside and out and consider changing out window fixtures for lighter, more transparent ones. Of course, if some of the lights don’t work, you’ll want to get them fixed, and that should really be the first step in prepping your home for sale–fixing anything that’s broken. Whether it is a leaky faucet or a door that doesn’t close all the way, making a cosmetic change to the house will send the subtle signal that it has been well cared for in the time that you were there. People aren’t interested in buying a
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Bev Mauch ABR, CRS, GRI, SPS 402-841-8209
Robb Thomas 402-649-9977
Dawn Alberts SPS 402-640-7069
Ashley Sicka SPS 402-316-8200
Ron Thompson GRI 402-750-9608
Byron Ballantyne ABR, GRI 402-649-7844
Adam Eppolito SPS 402-316-9069
Robert Dover Broker President 402-371-0200
Ann Dover ABR, GRI Vice President 402-649-7600
Tom Dover, Sr. Owner 402-371-0200
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Mirrors can make rooms seem larger and increase the amount of available light. Plants can make a home seem warm and inviting. Professional stagers often use large bowls of fruit, colorfully arranged cookbooks in the kitchen and eye-catching wall sconces to add a touch of elegance and panache, making the home stand out from the others potential buyers have seen. Of course, professional stagers do exist, and you could certainly employ a company to help you, but you can do most of the work yourself in a few simple steps. Staging a home can interfere with your daily living, but, if you do it well, there’s no reason why it should be an interference for very long.
dirty house, so it’s essential that the house be clean at all times for visitors. Initially, that means a deep clean of everything that you might have neglected over the years–kitchen cabinets, baseboards, behind doors. When your home is on the market, people could stop by at any time. Visitors will understand a few dirty dishes or an unmade bed, but it is best to keep any actual evidence of your existence as clean as possible. Many people decide to hire a cleaning company. You can do this for the initial clean or have a service come in every week to tidy things up for you, depending on what your budget will allow. Remove the clutter. If there’s one thing a homebuyer wants, it is space to put their things. If the house is full of your stuff, it can be more difficult for buyers to envision themselves in the home. If you can move large pieces of furniture, perhaps ones you will be discarding anyway, you’ll create more space for buyers. In particular, you will want to remove items that might alienate large groups of buyers, including items of a political or religious nature. Buyers often connect emotionally with a home, and items like these might stop that emotional connection from happening. While you are removing the clutter, you’ll also want to get the right props.
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Attic To Living Space? Maybe. Maybe Not. When homeowners are in need of additional square footage, one of the first places that may come to mind is the attic. Converting an attic into living space is an idea, but it is not always a feasible one. Here are some factors to consider before signing a contract. Building Codes
What are the building codes in your area? Can you abide by them in your attic conversion without breaking the bank? Get a list of applicable codes and required inspections for your conversion and make sure you can follow them. The work will be inspected, and if it is not up to code, the entire job could be shut down. Staircase
Do you have a staircase leading up to your attic? If not, do you have the space to install one? A straight staircase is the easiest to build, but it will take up a great deal of space. A spiral staircase will take up less space, but it won’t allow for easy transport of large items like furniture. If you have no space inside for a staircase, you may be able to construct one outside. Check with the zoning laws in your area first. An outside staircase could turn your home into a multiple-family dwelling, which may not be permitted in your area. You will also need another exit like a window. Make sure you have the space to install one if there isn’t one already. Ceiling
How high is your attic ceiling? Is it high enough to allow enough headroom after the installation of insulation and venting? Most building codes require at least 7-1/2 feet of headroom. If you don’t have that kind of headroom, do you have the budget to alter the roof framing and expand
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the ceiling height? Support
How strong is your attic flooring? Is it strong enough to withstand an addition, or will it have to be reinforced? You will also need to make sure the rafters can support the weight of drywall, electrical and heating and cooling system components. Keep in mind that adding joists will reduce the headroom available.
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Do you have electrical in your attic already? If not, can your electrical panel handle a heavier load? Is there room for more breakers? Consult a licensed electrician to know for sure. Heating & Cooling
How do you plan to heat and cool the new space? Attics tend to be cold in the winter and hot in the summer, and your current forced air blower may not circulate enough air to heat and cool the attic space. You may need to add other systems, such as electrical baseboard heating or a window air conditioner. Depending upon the systems you choose, the contractor may have to install wiring, ductwork, thermostats and whatever else the building codes demand. Converting an attic can provide you with more living space. It is not always feasible or practical, however. Talk to a few contractors, review your budget and building codes, and consider if the investment would be worthwhile. If you plan to live in your home for a long time and you are really short on space, it might be a good idea. If you’re not, you may want to just rework the living areas you already have. Getting rid of some clutter and shuffling some things around could give you the extra square footage you need.
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
Sellers-Contact us today for your FREE Market Analysis! Buyers-Start your home search at www.NorfolkAreaProperties.com and contact one of our agents today!
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Make the Most of Your Home Appraisal When homeowners think about renovating their properties, many first need to secure some funding to finance such projects. Some may tap into the equity of their homes by refinancing an existing mortgage, while others may apply for home equity loans. Taking the latter approach may require certain steps, including an assessment of how much the home and property is worth. Home appraisals compare your home to neighboring properties to determine your home’s current market value. Homeowners can facilitate the process by having certain information readily available for the appraiser. When preparing for appraisers, homeowners should consider and collect the following information: • If your home was built on the largest lot in the community. • If you have made significant upgrades since it was last appraised, such as installing a new roof or siding. Don’t overlook smaller renovations, like extra insulation added or sealing drafty windows, which can increase a home’s value. • Proof that you have used sustainable resources or if you participated in any energy-savings programs. Naturally, any expansion projects, such as adding another bedroom or extending the footprint of the home, should be mentioned. A real estate appraiser is a certified, licensed professional who will do his or
her best to determine the value of your home. The appraisal provides banks with information that can tell loan officers if the house is worth the loan amount. Expect to pay a fee for the appraisal, which is generally included in your closing costs. The appraiser gathers information for the appraisal report from a number of sources, but the process often begins with a physical inspection of the property, both inside and out. He or she also will compare your home against a few others in the neighborhood, which are known as comparables, or comps. Appraisals will be based on recent prices of comparable properties as well as other factors. Apart from the improvements done to the home, there are other ways to get a higher appraisal amount. The appraiser may consider the overall maintenance of the home and property. It is wise to consider curb appeal and ensure the home is clean and maintained when the appraiser arrives. Minor repairs or common maintenance can impress the appraiser. Removing clutter and cleaning up the home’s interior can make the home appear larger, possibly increasing its value as a result. It may be worth it to invest some more money into the property before having an appraisal done. A study sponsored by the National Association of Realtors says wood floors, landscaping and an
enclosed garage can lead to a more favorable appraisal. An appraiser will spend roughly 30 minutes in a home. Try to give that person space to do his or her job. Following the appraiser around during an inspection can raise a red flag that something is wrong with the house that you don’t want to be seen. Turn lights on throughout the house, make sure the heating or cooling system is
functioning at full capacity and keep pets locked away. Move items that can impede access to basements or attics. An accurate assessment of the value of your home will give banks the information they need to determine loan amounts for future renovation projects. Providing background information on the home and having a well-maintained property can improve the chances of a favorable appraisal.
Little House, Big Perks
You’ve always lived in a small home and loved it. With far less house and yard to care for, you’ve had more time to devote to other interests. Now that you’re adding to your family, however, you’re not sure if you can continue to enjoy the perks of small home living. Relax. Unless your family is growing substantially larger, you can remain where you are and make a few changes to maximize your home’s potential. Storage can be a problem in any size of home. If your small home lacks storage space, consider creating some built-ins. Built-in bookshelves, cabinets and seating make wonderful additions to any home. You just need to place them in the best area possible and be careful not to take up too much floor space. In a home lacking in square footage, multipurpose is the name of the game. Make sure your rooms serve more than one purpose. Tuck a desk in the corner of your dining room and use the space to eat and work in. Slide your upright piano into your entryway and use the space as a foyer and a music room. Add a bench to your second floor landing and use the space for reading. The same principle applies to your furniture choices. Don’t bring a piece into your home unless it can serve more than one purpose. Consider a sleeper sofa for your living room. You can sit on it during the day and use it for guests at
night. Select a comfortable chair for your desk. You can sit in it and work at your desk and slide it into the living room when needed for extra seating. Switch out your coffee table for an ottoman. You can use it as a footrest when watching TV and as extra seating when company comes over. Select smaller equipment and accessories. Trade out your bulky TV and computer monitor for flat-screen models. Use hanging bedside lamps rather than large tableside lamps. Choose smaller appliances for your kitchen. You will be amazed at how much more room you have just by using smaller items. Light up the rooms in your home and make them appear larger. Use a variety of lighting sources at various heights around each room. Throw open the drapes during the day and let the natural light in. Bring in some mirrors to reflect light around each room. Keep your color palette light. Dark colors tend to close in the space, while lighter colors keep it bright and airy. Reserve darker, bolder colors for accents to add drama and depth. Add to your square footage with an outdoor space. Power-wash that old patio, add some new furniture and plants, and presto, you have extended your living area outdoors.
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
Add Curb Appeal to Your Property Many people are familiar with the idea that a strong first impression can go a long way. While that idea is most often referenced in regard to personal interactions, it’s also applicable to real estate. When selling a home, homeowners who emphasize curb appeal may find it far easier to sell their homes. Curb appeal refers to the impression a home’s exterior makes on people seeing the home for the first time. In 2014, an online real estate database surveyed real estate agents and found that curb appeal was one of the five most important factors when selling a home. Projects that improve curb appeal can be vast undertakings or simpler projects, and the following are a handful of projects to improve a home’s curb appeal that run the gamut from simple to complex. • Clean up the yard. Cleaning up the yard is among the simpler yet most effective projects to improve a home’s curb appeal. When selling their homes, homeowners should clear the yard of any clutter, including kids’ toys, grass clippings or items that might be scattered throughout the yard. A cluttered yard suggests homeowners do not care much about their home’s appearance, and that may lead buyers to think that indifference extended to maintaining the home’s interior as well. Many buyers will ignore properties
without any external aesthetic appeal, but cleaning up the yard does not require much effort or expense on the part of sellers. • Make the main entryway more inviting. Creating a more inviting entryway won’t be as simple as cleaning up the yard, but it can help create a strong first impression without breaking the bank. To begin, remove plants and furniture from the front porch or area surrounding the doorway, as such items can create a cluttered feel. If the front door is old, replace it. Custom doors may be expensive, but they might add the wow factor buyers are looking for. If a new door is beyond your means or just unnecessary, repaint the door, ideally in a color that complements the color of your home and the surrounding landscape. • Address pavement problems. Paving problems are not necessarily an expensive fix, but the cost of repairing driveways and walkways can add up if it’s been awhile since these areas were refurbished. Still, one of the first things buyers will notice when getting out of their cars is the ground they’re walking on, so patch and repair or even replace driveways and walkways that have fallen into disrepair. • Add or upgrade outdoor living spaces. Outdoor living spaces also can set a property apart from others on the market. A recent study from the
National Association of Realtors found that buyers would not hesitate to pay asking price for homes with outdoor living spaces. When adding or upgrading outdoor living spaces, try to depersonalize the spaces as much as possible, as buyers want to picture themselves, and not the sellers, enjoying these areas. Include some comfortable furniture, adequate lighting and a dining
area in your outdoor living space as well. Curb appeal can add a lot to a home, while lack of such appeal can make a home difficult to sell. Homeowners who want to sell their properties for asking price or more should address curb appeal before putting their homes on the market.
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To Sell Or Rent?
A home is a big investment, and when it comes time to move, selling may seem like the most logical solution. However, it isn’t always that simple. If you’re relocating temporarily or the market is down, renting might be the better option. There are pros and cons to selling and renting, and you must think through your decision carefully. Selling depends upon the answers to several questions. Do you like your home? Would you like to return to it someday? Would it serve your needs in the future? Are houses selling in the area? If not, can you afford to wait to see if your home will sell? Can you carry the costs of two homes for a few months? No? Could you if you had a renter? Renting also depends upon the answers to several questions. Are property values going up in the area, making it worth your while to keep the house? Is there a demand for rental property in the area? If so, are you ready to be a landlord and be responsible for more than one home? Do you have the time to locate good tenants and keep the rental property in working condition? If not, can you afford to hire a company to do it for you? There are management companies that will oversee everything on a rental property, from finding potential tenants and running background checks to caring for the property and making routine repairs. Whether you manage the rental property or hire someone to do it for you, make sure the costs won’t
outweigh the gain. Make a list of all of the expenses, including mortgage payments, insurance payments, property taxes, improvements and repairs. Compare it against what you plan to charge for rent. Will you at the very least break even? If not, you might want to consider selling, Rent or sell, you will have to get a comparative market analysis done of the home. This will show you where your home stands in comparison to others in the neighborhood and what you would have to do to get it ready to sell or rent. Keep in mind that the costs of preparing a home to sell almost always run more than the costs of preparing a home to rent, as most renters will look at the home as a temporary residence and demand less. If your home is in need of substantial updates, you might want to consider renting it. You can work on it a little at a time and sell it when you’re ready, providing you have good tenants in the meantime. Just because you love the home and treat it with care doesn’t mean your tenants will. Again, most tenants will see your home as a temporary residence and will do only what is necessary to maintain it. Do your homework. Talk to people, agents and landlords included, and find out what they think about selling versus renting. Take a look at your finances and see what you can realistically afford to do. Consider the pros and the cons, and make the right choice for you!
Fresco Faux Finish Do you adore fresco? Do you wish you could recreate the look of it in your home? Well, lucky for you, you can. With some glaze and paint, you can turn your walls into fresco. Before starting this project, you need to tape off your trim and any areas you do not want painted. Lay down some drop cloths and then prep and prime your walls accordingly. To create the look of fresco on your walls, you need these supplies: • Clear glaze • Three eggshell latex colors of your choice • Wallpaper trough •4-inch nylon brushes To begin, pour some glaze into the wallpaper trough. Then add a small amount of each color on top of the glaze, allowing the edges to touch but not blend. Working in small sections, dip a paintbrush into the glaze first and then into each color, moving from dark to
light. Apply the combination to the wall using an X-shaped motion. The glaze will keep the paint workable while the X-shaped strokes will blend the colors together. When you are pleased with the results, move on to another section. C o n t i n u e applying paint to the walls in the same manner until you have completed the room. Allow the paint to dry and then apply a second coat. Let the paint dry for several days before hanging anything on your newly frescoed walls. That’s all there is to it! If you don’t consider yourself much of a faux finisher, you might want to try the fresco technique on a scrap piece of wood first to get a real feel for it. That way, you will be able to master the technique and get the results you want.
Basement Renovation Turning an unfinished basement into a comfortable living space can be a rewarding adventure. Whether you need the extra space to accommodate an office, entertainment room or for growing children to use as bedrooms, you’ll need to set a financial budget and plan accordingly. Planning for function is the most important step in the remodeling process. Gather everyone who might use the space and ask them to make a list of elements they would like included into the new space. Choose common elements and decide if they will fit into the budget. Once an overall plan is set, look at each piece of the puzzle one at a time. For example, if the basement is to be divided between bedroom space and entertainment space, each will have its own special requirements for lighting, storage and seating. Both spaces should be comfortable and cheerful. One of the hardest elements to incorporate into a basement is natural lighting. Every effort should be made to include windows in the plan, especially in a bedroom so the occupant doesn’t feel like they are living in a cave. If typical small-sized basement windows exist, enlarge them. A good rule of thumb to remember is this: A window area should be at least onetenth the size of the room. To decorate, use light-colored paneling and paint so the space won’t seem dreary. Don’t forget the trim work either. Molding around the perimeter of the ceiling or a chair rail can add a special detail to a basement. Seating should be comfortable and arranged in groupings. Include plenty of storage space for games, sports equipment and books. The space under the stairs can be fit with shelving for storage if closet space is unavailable. Do try to include a closet in a basement bedroom. For entertaining, you might want to consider the addition of a wet bar or a small kitchen. Use apartment-sized appliances and fixtures that require less space. Cabinet space for storage and countertops for food preparation and serving will be needed as well. Lighting adds atmosphere to a room. In a basement with a dropped ceiling, recessed lighting is attractive for general illumination. Floor or table lamps should also be provided for reading or handiwork. Add a hanging lamp over a game table for cards or craft projects. The electrical requirements of the space will depend on how it is used. As a media center, you’ll want ample outlets for a television, VCR player, DVD player and stereo. If a computer with Internet access will be used in the bedroom, you’ll need ample electrical outlets there, too, along with a phone jack. Don’t forget a smoke alarm. If you choose the type that is hard-wired into the house, be sure to mention it to the electrician. Carpeting is a good choice as flooring for a basement. It adds warmth and muffles sound. Select a texture, color or pattern based on your personal
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style of decorating or preferences of those using the space. Be sure to figure a good carpet pad into the budget. Basements usually have easy access to plumbing, so consider installing a full bath. It will get more use than you ever imagined. A fireplace also makes a cozy addition to a basement room. Consult with your contractor as to feasibility and cost. You may be able to work it into your budget. Basements are naturally cool, so depending on where you live, air conditioning may not be necessary; however, heating will be important in colder climates. Ask a heating professional to look over your space and explain to them your plans for finishing the basement. They may recommend additional ductwork and vents. If your basement has any moisture, include a sump pump and dehumidifier in your plan. For wet basements, consult with professionals about installing a de-watering system. Before starting your renovation, check the local building codes in your town. Find out if you will need any permits or inspections to complete your project. When making an investment like this into your home, keep in mind the overall price range of houses in your neighborhood. Will this project price your home out of the market? A real estate agent may be able to tell you. Experts suggest investing no more than 12% the value of the average home in your neighborhood to keep you in a seller’s market. But if you plan to stay in your home for the long term, the satisfaction you receive from your renovation project may be worth the investment no matter what the cost.
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NORFOLK DAILY NEWS, TUESDAY, APRIL 19, 2016
It’s Not Exactly Like Painting The Mona Lisa Ever wonder how professional painters achieve their wonderful results. Well, obviously they have a lot more experience than the average homeowner does, but they also know a few tricks of the trade. Here are some of their secrets. First, you need to have enough space to maneuver properly. Crowded conditions equal sloppy work, so clear everything movable from the room. Additionally, any wall or ceiling repair will create a blanket of dust during the sanding process. The more surfaces there are to collect dust, the more cleaning you’ll have to do later, so minimize your work by removing furniture early on. Large, heavy pieces like sectional sofas or entertainment centers can be moved to the center of the room and covered with a drop cloth, if necessary. The next step is to remove hardware, light fixtures and doors. Try to place the light switch and outlet covers in order when removing them from the room. They don’t always fit the same if replaced in a different location. Some painters even label the items, so they know exactly which cover needs to be installed where. Use masking or painter’s tape to cover woodwork around doors, windows and anywhere else you don’t want to paint. Here’s a tip—don’t tape more area than you plan to paint in two
days. When the tape is left for longer than two or three days, it is harder to remove. This step may seem time consuming at first, but it saves a lot of trimming time later. Lastly, cover the floor with drop cloths. Either fabric or cloth is acceptable. Before you start painting, remove all nails from the walls and fill the holes with paintable spackle. Minor cracks should also be filled at this time. If you plan to paint wood trim, repair any damaged areas with paintable wood filler. For peeling paint, scrape the loose paint with a putty knife or sandpaper and sand edges to a smooth finish. You’re not ready to paint yet though. Walls need to be cleaned of all dust and dirt, so the paint will adhere and last for years. Most painters use TSP (trisodium phosphate). Wipe down the walls with the TSP solution, then wipe the walls a second time with clean water. Allow to dry. Now you’re ready to paint. Primers are designed to provide an even base for a topcoat of paint. Some are especially formulated to hide stains. Professional painters always prime first. It is the main reason they achieve those fabulous results—along with the two layers of topcoat they apply. Don’t spot prime the sanded areas or you will be able to see those areas beneath the topcoat. Always prime the entire wall.
Always buy the highest quality of paint you can afford. You may have to spend $25–$30 per gallon but the results will be evident. Latex paints are the norm these days. Seldom do professional painters use an oil-based paint. Flat paints are generally used for ceilings. Glossy paints serve well in kitchens and baths because they are easier to clean than flat, but most use a semi-gloss paint in almost all applications. A good-quality semi-gloss paint will hide wall imperfections, is easy to clean and provides nice highlights. Specialty paints with mildewcides are available for bathrooms and will prevent new growth of mildew, but won’t kill the mildew already present. Mold and mildew spores can live beneath paint, eventually surfacing, so you’ll want to kill them before applying the new paint. Wash the walls with a bleach solution (3/4 cups bleach to one gallon of water), then seal the walls with a coat of stain-blocking primer such as Kilz. Nine-inch rollers are the norm. According to experts, the longer the nap, the more paint the roller will hold. The more paint the roller holds, the more texture it will leave on the wall. A roller with a 1/2-inch nap is recommended for the best coverage and texture. Using an extension rod will make reaching ceilings and upper
walls a cinch. They are inexpensive, easily screw on to the end of a roller and can cut painting time by one third. As with paint, purchasing a highquality paintbrush can make a huge difference. Don’t be surprised if you have to spend $20 for a top-of-the-line synthetic brush. Nylon is the most flexible and will give a nice finish. Tapered brushes are essential for trim work. For tiny trim work, a small foam brush works well in hard-to-reach places. The pros recommend doing the roller work before the trim, as careful rolling can cover within 1/2 inch of the ceiling, leaving very little space to trim. Before rolling the wall, the pros recommend painting the ceiling. Rollers are impossible to clean completely, so most pros don’t bother washing them out for reuse. They buy new ones unless they are returning to the same job the next day. Latex dries slowly at lower temps, so brushes and rollers can be wrapped in plastic bags and stored in the refrigerator. Brushes can be used directly from the refrigerator, but rollers need time to warm up to room temperature, so don’t forget to take them out before you need them. Even the pros aren’t perfect and can have accidents, so keep some paper towels and sponges on hand in case of accidents. These are just a few tips from the pros. If you follow them, you’re sure to have beautiful results.
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