Maria Acuna Real Estate



Posted by Maria Acuna Real Estate on 12/13/2018

Whether you're looking for your first house, a vacation home, or a retirement condo, there's always an element of excitement in finding a new place you can call your own!

Although buying and selling real estate can be stressful, especially if you've never done it before, being prepared and knowing what to expect can help keep things on an even keel.

Similar to planning a vacation or a cross-country trip, you'll want to avoid missed connections, frustrating delays, and wasted time. When it comes to buying a home, a little research, planning, and expert advice can go a long way toward ensuring a smooth journey. Here are a few specifics:

Check your credit score: Your credit rating has a major impact on your ability to successfully apply for a mortgage and be offered a relatively low interest rate. Knowing your credit rating can help you understand your options, avoid unexpected surprises, and take action to correct errors in your credit report or improve your credit profile.

Prepare a wish list: One of the keys to getting what you want in a new home is to clarify and prioritize the features that matter the most to you. Your checklist can include everything from lot size and architectural style to the reputation of the school district and proximity to stores. Some house hunters also place a high value on features like a fireplace, screened-in porch, and an open floor plan.

Find a good real estate agent: A buyers' agent can provide you with an immense amount of help in finding properties for sale that meet your specifications. They can also provide assistance, advice, and guidance on the many steps involved in going from loan applicant to new home owner. An experienced agent can also negotiate the best possible deal, in terms of price, seller concessions, and other advantages.

Meet with mortgage lenders: A crucial step in preparing to become a homeowner is understanding the mortgage application process, knowing how much banks would be willing to lend you, and determining an affordable price range. Meeting with lenders is also the first step to comparing interest rates and choosing a financial institution that would best suit your needs. Here's a helpful tip from the Consumer Financial Protection Bureau: "Getting a preapproval letter helps you show sellers that you are a serious buyer – but it doesn’t commit you to a lender."

When it comes to searching for and buying a house, probably the best advice anyone could give you is "stay the course!" Let's face it: It's easy to give up, get discouraged, or settle for a home that's less than what you really want. However, when you adopt a "stay the course" mindset, you'll do a better job of staying motivated, focused, and well organized until you find just the right home for you, your family, and your future!





Posted by Maria Acuna Real Estate on 12/6/2018

Preparing to put your home on the market almost invariably involves three things: painting, cleaning, and organizing. Since you might also need to do some repairs and updating, it's crucial that you prioritize your tasks and make sure you're not spending more money, time, and energy than necessary.

Consulting with your real estate agent about what projects are the most important will help you make the most of your available resources.

All home sellers have a different timetable in which they need to get their home ready for potential buyers. Few people, however, have the luxury of tackling those projects slowly or sporadically. When you factor in your busy schedule with everything that typically needs to be done before a house goes on the market, time management and self motivation become crucial elements in the process.

Wall painting often tops the list

In spite of your best intentions, walls and doors are going to get scuffed, scratched, and marred. Small, but noticeable holes from nails and thumbtacks also have a way of increasing with every passing year. Regardless of how careful you think you've been, it's virtually impossible to keep your walls looking fresh, clean, and well maintained. Bathrooms pose even more of a challenge because moisture and steam from showers will gradually cause paint to crack, peel, and lose its original smooth quality. Bedroom walls, especially those of children and teenagers, will also be subjected to a lot of wear and tear.

Fortunately the cost of a couple gallons of paint, along with brushes, rollers, and other basic supplies, is an affordable solution for most home sellers. It's one of the most cost-effective methods of freshening up your house, and it significantly enhances your home's eye appeal and marketability.

One of the pitfalls of repainting your walls, however, is the possibility of choosing colors that may turn off some potential buyers. Colors which you may describe as vibrant, splashy, or cool, might be viewed by others as garish, tacky, or "over the tip." That's why it's often best to play it safe by choosing colors that are considered neutral, such as grey, beige, tan, eggshell, and ivory.

By veering away from colors that might be considered too bold and strident, you're increasing the likelihood that your décor will appeal to the widest range of potential buyers. While there may be exceptions to just about every rule -- especially as it pertains to decorating -- your objective as a house seller is to increase the probability that your home will appeal to as many people as possible!

"Immaculate" is a good goal

Another thing prospective buyers will frequently notice is the level of cleanliness in your home. While it's difficult (at best) to keep your home absolutely spotless all the time, it does pay to establish a few family rules and expectations to help you maintain a semblance of order until your house is sold!





Posted by Maria Acuna Real Estate on 11/29/2018

If you want to buy or sell a home, hiring a real estate agent is a must. With an expert real estate agent at your side, you should have no trouble getting the best results.

A real estate agent can teach you the ins and outs of the housing market and ensure you can make informed buying or selling decisions. In addition, a real estate agent will go above and beyond the call of duty to assist you throughout each stage of the homebuying or home selling journey.

Although many real estate agents are available nationwide, it is important to remember that not all of these housing market professionals possess the same communication skills. And if you hire a real estate agent who is an ineffective communicator, you may miss out on opportunities to buy your dream home or get the best price for your current residence.

Ultimately, there are many signs that a real estate agent is a great communicator, including:

1. A real estate agent keeps in touch with clients via emails, phone calls and texts.

A real estate agent who understands the importance of effective communication will be able to stay in contact with you via emails, phone calls and texts. This housing market professional is happy to work with you in any way possible, and as such, is ready to lend a helping hand time and time again.

Furthermore, a great communicator understands the importance of timely, accurate messages. This means a real estate agent who strives to maintain open lines of communication should have no trouble keeping you informed throughout the homebuying or home selling cycle.

2. A real estate agent listens to your concerns and questions.

Let's face it – buying or selling a home can be stressful, particularly if you're operating in a competitive housing market. Lucky for you, a real estate agent who acts as a great communicator can listen to your concerns and questions and help you alleviate stress.

A real estate agent understands what it takes to assist a homebuyer or home seller. He or she also recognizes the importance of active listening and respond to your concerns and queries instantly. That way, this housing market professional can do whatever it takes to help you remain calm, cool and collected as you buy or sell a home.

3. A real estate agent is unafraid to be honest.

Although the homebuying or home selling journey should be simple, problems sometimes may arise. However, a real estate agent who serves as a great communicator will provide honest, unbiased recommendations to help you overcome any challenges.

A real estate agent is proud to assist his or her clients. At the same time, this housing market professional is unafraid to deliver bad news. Therefore, a real estate agent who is an effective communicator can share good and bad news with clients, provide consistent support and help clients mitigate homebuying or home selling problems as quickly as possible.

Employ a real estate agent who is a great communicator, and you can work with a housing market professional who can help you overcome the challenges associated with buying or selling a home.





Posted by Maria Acuna Real Estate on 11/22/2018

Unfortunately, selling a house sometimes can be a long, complicated process. And if you're not careful, you risk costly, time-consuming mistakes that may prevent you from achieving your home selling goals.

When it comes to selling a house, it helps to plan ahead as much as possible. Lucky for you, we're here to teach you about the home selling journey and ensure you can enjoy a fast, seamless home selling experience.

Now, let's take a look at three tips to simplify the home selling process.

1. Boost Your House's Curb Appeal

The first impression that your home makes on potential buyers can have far-flung effects on the home selling journey. If your house dazzles homebuyers, you may increase the likelihood of a quick, profitable home selling experience. On the other hand, if your home misses the mark with buyers, you may struggle to stir up interest in your house.

Perform home exterior upgrades to enhance your house's appearance. Mow the lawn, trim the hedges and clear debris from any walkways. Also, repair any cracked or damaged siding to further bolster your house's appearance and ensure homebuyers will fall in love with your house as soon as they see it.

2. Eliminate Clutter

Clutter may dominate your home's interior, and if you don't clear it out, you risk missing out on opportunities to sell your house.

Fortunately, there are many ways to eliminate clutter. For example, a yard sale is a quick, effective way to sell assorted items before you list your residence. Or, you can list items online or donate them to charity.

If there are various items you want to keep, you may want to rent a storage unit. With a storage unit at your disposal, you can keep a wide range of items safe and outside your home until your residence sells.

3. Collaborate with a Real Estate Agent

A real estate agent is a housing market expert who is committed to helping home sellers achieve the optimal results. He or she will work with you throughout the home selling journey and ensure you can enjoy a successful home selling experience.

Usually, a real estate agent will meet with you, learn about your home and craft a personalized home selling strategy. This housing market professional then will promote your residence to buyers and host open house events and home showings. Furthermore, if a homebuyer makes an offer to purchase your house, a real estate agent will help you review this proposal and determine whether to accept, reject or counter it.

A real estate agent also will respond to your home selling concerns or questions. Thus, if you are uncertain about how to navigate the home selling journey, a real estate agent is ready to offer guidance.

There is no need to stress as you get ready to list your residence. Take advantage of the aforementioned tips, and you can eliminate the guesswork commonly associated with selling a house.




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Posted by Maria Acuna Real Estate on 11/15/2018

If you want to purchase a home, it pays to establish a homebuying budget. By doing so, you can enter the housing market with a budget in hand and narrow your search for your dream house.

Now, let's take a look at three best practices to help you create a homebuying budget.

1. Look at Your Finances

Your finances will play a major role in your ability to purchase a home. Thus, you should evaluate your current financial situation closely so you can map out an effective homebuying journey.

Request a copy of your credit report – you'll be glad you did. You are eligible for a free copy of your credit report from each of the three reporting bureaus (Equifax, Experian and TransUnion) annually. Take advantage of this complimentary perk, and you can gain deep insights into your outstanding debt.

If you have outstanding debt, try to pay this down as much as possible. That way, you can boost your credit score, which ultimately will help you improve your chances to acquire your ideal residence.

2. Meet with Banks and Credit Unions

When it comes to buying a home, meeting with banks and credit unions usually is a great idea. That way, you can learn about your home loan options and get pre-approved for a mortgage.

Apply for a mortgage from several banks and credit unions. Then, you can receive various mortgage quotes and select one that suits you perfectly.

Also, don't hesitate to ask plenty of questions during a lender consultation. Banks and credit unions employ friendly, knowledgeable mortgage professionals – all of whom are happy to help you make an informed mortgage decision. Therefore, if you're unsure about whether to proceed with a 15- or 30-year mortgage or can't decide between an adjustable- or fixed-rate mortgage, you can ask these mortgage professionals for expert advice.

3. Consult with a Real Estate Agent

A homebuying budget is tricky to establish on your own, especially if you are entering the real estate market for the first time. Fortunately, a real estate agent can help you plan ahead for all stages of the homebuying cycle.

During a real estate agent consultation, a housing market professional will learn about your homebuying goals. Next, this professional will help you establish realistic homebuying expectations and ensure you can discover a great house at a budget-friendly price.

Of course, let's not forget about the world-class support that a real estate agent provides after you kick off a home search, either.

A real estate agent will set up home showings, keep you informed about open houses and offer homebuying recommendations and suggestions. Perhaps best of all, a real estate agent can negotiate with a seller's agent on your behalf to help you get the best price on a house.

Ready to begin your search for your dream home? Use the aforementioned best practices, and you can craft a homebuying budget and start your homebuying journey.




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