Tuesday, May 31st, 2016 at 10:44am. 2 Views, 0 Comments.
The process of buying a home in Wasilla for the first time brings with it a lot of confusion. From how to finance the purchase to what happens at closing, it’s not something most of us do very often.
Many real estate agents counsel their clients that the most important step in the purchase process, if you won’t be paying cash for the home, is seeking out a lender and obtaining a loan pre-approval letter. What many of them neglect to tell you, however, is how to shop for a lender and a loan.
Remember, your mortgage payment will most likely be the largest monthly check that you write so it truly does pay to shop around with the goal of avoiding overpaying for the loan.
1: It’s not all about the Interest Rate
It truly is not…
Thursday, May 26th, 2016 at 11:17am. 12 Views, 0 Comments.
Working from home, whether you do it one day a week or all the time, offers a lot of flexibility. But first, you’ll need to create an ideal environment to get it all done. And, no matter how small your home, there’s always a way to carve out some space to work – sometimes you just need to be a little creative.
What Type of Office Do You Need? – If you work from home most of the time, you’ll probably need a space away from all the living that goes on in the house. You’re likely to require more equipment and more storage than the nook at the end of the hallway can provide. On the other hand, if you only occasionally work from home, you might be able to slide into an entry closet, a kitchen corner, or a well-placed desk in your…
Tuesday, May 24th, 2016 at 6:29am. 19 Views, 0 Comments.
There was a time in this country’s history where declaring bankruptcy was far too embarrassing for someone to even contemplate. It was a dirty, humiliating little secret that few cared to divulge to anyone.
Thankfully, that’s no longer the case. What remains, however, is the stigma it casts upon your credit record. If you’re trying to buy a house after bankruptcy, read on.
How long before I can buy?
Typically you’ll need to wait two years from the date of the discharge of a Chapter 7 bankruptcy before applying for a loan a conventional or Federal Housing Administration (FHA)-backed loan. There are exceptions to this rule, however.
FHA allows those who underwent a Chapter 13 bankruptcy, however, to apply for a loan after payments…
Thursday, May 19th, 2016 at 9:46am. 23 Views, 0 Comments.
There is no shortage of fun for kids in the Mat-Su Valley. There are parks and trails in every corner – and that’s just the beginning of the good times to be had. And, for those that want a taste of big city life, Anchorage is only a hop, skip, and a jump away. But, there’s no reason to go that far until you’ve spent some time exploring some of the valley’s best.
Reindeer Farm – You can kiss a moose or rub a reindeer at Reindeer Farm south of Palmer. It’s open from May to September for visits and tours – which start when you arrive, so no worries about rushing to get there at a specific time. They’re open seven days a week from 10 a.m. to 6 p.m. Adults pay $9 and the entrance fee for kids is $7. You’ll find the Reindeer Farm at…
Tuesday, May 17th, 2016 at 11:37am. 24 Views, 0 Comments.
While we don’t have long warm-weather periods here in Wasilla, what we are blessed with we like to enjoy fully by being outdoors ― even if it means sticking around the house, entertaining on the deck or patio, catching some rays in the backyard or digging in the garden.
Have you noticed how so many home photos in the Wasilla MLS lack backyard photos? It is a mystery to me why so many of my colleagues don’t understand that someone in the market for a single-family home may need space, and outdoor space is actually high on many homebuyers’ lists.
In fact, a National Association of Homebuilders survey of homebuyers finds that folks want trees, a patio or deck, a fence and exterior lighting in their new home’s backyard. Luxury…
Thursday, May 12th, 2016 at 11:00am. 113 Views, 0 Comments.
As a homeowner, you know there’s always something that needs to be done. Some tasks are monumental, the sort of things that require budget and perhaps a bit of time off work, like renovating attic space or installing a new HVAC system.
And then there are tasks that are just so small that they sometimes fall off your list. But, they shouldn’t. These three chores are so important – and it will take less than an hour to complete all of them. So why not get them done now?
Replace the HVAC Filters – Typically, air filters require replacements about every other month. You’ll also need to vacuum the filter covers at least once a year. If you can’t remember the last time you did either, why not do it now? Dirty HAVAC filters make the system…
Tuesday, May 10th, 2016 at 8:26am. 112 Views, 0 Comments.
So often (too often, actually) when we take our buying clients out to tour homes, we find homes that are attractively staged – until we get to the garage. Did the seller run out of energy, time or money? Perhaps, but we tend to think that most homeowners don’t understand the importance of these two areas to Wasilla homebuyers.
If your garage is more akin to the kitchen junk drawer than a place to park a car, read on. If your backyard is dotted with dog droppings and ratty patio furniture, check back in two weeks and we’ll help you out with that.
First, the facts
More than half of homebuyers say they want a garage, according to the National Association of Home Builders in its report “What Homebuyers Really Want.” Actually, 86…
Thursday, May 5th, 2016 at 12:45pm. 35 Views, 0 Comments.
The name, Khan, is unlikely to make you think of sushi; it’s associated with another part of Asia entirely. But, don’t let the name fool you, this Wasilla restaurant is serving up the best sushi in the valley, perhaps in the state.
The restaurant itself is rather unassuming; you’ll find seats at the sushi bar, a few sunshine lit tables in front the windows, and a sprinkling of four-seater tables. But, like the name, you shouldn’t be thrown by the simplicity of the seating. Instead, you should concentrate on the food.
If you have even a passing understanding of sushi, the food at Khans will blow you away. From even the most basic of maki and sashimi to the elaborate Kiss of Fire sushi (yes, they set it alight), there is something to…
Tuesday, May 3rd, 2016 at 8:55am. 40 Views, 0 Comments.
While many of our Wasilla home-buying clients depend on an FHA-backed mortgage when they purchase their homes, there are other attractive loan products on the market that you should know about. This week I thought we’d take a look at one of the most popular loan products on the market today, Freddie Mac’s Home Possible®.
Who is Freddie Mac?
Freddie Mac, which is short for Federal Home Loan Mortgage Corporation, is what is known as a GSE or Government Sponsored Enterprise. Both it and Fannie Mae were created by Congress, Fannie in 1938 and Freddie in 1970. What they do, in a nutshell, is buy mortgages from lenders and either hang on to them or bundle them into what are known as “mortgage-backed securities” which are then sold to…
Thursday, April 28th, 2016 at 11:22am. 48 Views, 0 Comments.
Now that spring is in the air, it’s the perfect time to perform a few small money-saving maintenance activities. In less than a weekend, you can make your home more efficient and save yourself plenty of money this summer – and all year long.
Check Your Insulation – When’s the last time you made certain you had effective insulation in your attic? If the space is unfinished, you’ll be able to see if there are areas without adequate protection. If you spot gaps or damage, it’s time to have it replaced. You may need to make a call to a profession team, but at least you’ll know why you’re spending so much on heating over the winter.
Water Heater Maintenance – If you don’t have a blanket around your water heater, you’re using too…