What is your debt to income ratio...why should you care?

by Tracy Cousineau

      Any time you have more income and less debt, you’re in good shape in life. That said, there is an ideal ratio between your debt and income in order to qualify for a good mortgage.   When your debt to income ratio is on the high side, you run the risk of not getting a good loan (or not getting a loan at all) if your income were to take a hit during right before or during the loan funding process.   Conversely, having no debt can work against...

10 questions you must ask an agent before you list your home

by Tracy Cousineau

Currently, there are over 1.3 million Realtors in the United States alone. The number of people that have joined the real estate sales force over the last 10 years is staggering.   No two agents are the same and less than 10% of the total number of Realtors to 90% of the business.   In addition to that, not all agents are created equally. Many of them don’t get you the best results for your specific needs.   In 2017 — one of the hottest markets in recent history...

When is the best time of the year to sell?

by Tracy Cousineau

    You want to sell your home, maximize the amount you sell it for and get it sold in a reasonable amount of time. While there’s no horrible time of the year to sell your home, there are better times of the year to put it on the market to get the best results for yourself. We’ve done the research and the results are in. Here’s the best time of the year to sell. And the winner is… Life happens and sometimes, you just don’t have a say...

How to Sell Your Home Fast and for the Most Amount of Money

by Tracy Cousineau

  How to Sell Your Home Fast and for the Most Amount of Money     The market has been moving at a pretty good clip over the last several years and it appears that things are going to stay that way for a while.   According to the Case Shiller Home Price Index across the United States have increased 33% over the last 5 years.   Despite all of the amazing things happening in virtually every market across the country, including ours, one thing still rings...

Why landscaping can make your home sell faster and for more money

by Tracy Cousineau

      Plain and simple, the quality of your landscaping determines whether or not your home feels inviting from the outside.   Curb appeal is what people call it and it’s a key ingredient in the decision to buy a home to more than 71 percent of homebuyers. As you know, landscaping plays a huge role in the curb appeal that you present to prospective buyers for your home. The first impression is key: if buyers don’t like what your home looks like from...

How much money will go into your pocket after your home is sold?

by Tracy Cousineau

  It’s not what you make, it’s what you keep that matters. This holds especially true when it comes to the sale of your home.   The sales price you see at the top of the closing paperwork is rarely, if ever, the amount of money that ends up in your pocket as the seller.   There are often a variety of costs and fees associated with getting a home sold, so it’s important that you understand exactly what you’re going to walk away with before you...

Why You Should Get a Home Warranty When You List Your Home

by Tracy Cousineau

    Home warranties aren’t just for buyers anymore. In the past, buyers have asked sellers to pay for a home warranty to give the them a year of protection after it sells on roughly 16 major systems in the house including things like the electrical system, appliances, hot water heater, furnace, etc. Overall, it makes sense because the first time claim on a home warranty for most buyers runs around $1,100 - $1,200 including the $75 deductible that comes with making the...

To Stage or Not to Stage Your Home for Sale

by Tracy Cousineau

        Up until the early 2000’s, most home buyers would have only experienced the eye-popping appeal of home staging if they went and visited a model home at a new construction site. Builders know that it’s much easier for people to make a home-buying decision when they see a home decorated beautifully and set up like someone lives there. These days, staging is highly recommended whether the home is brand new or currently occupied because it has...

How to sell a home that didn't sell

by Tracy Cousineau

        The housing market is faring much better than it was a few years ago, but that doesn’t mean every home sells for top dollar or for that matter, sells at all.   So, if your "for sale" sign has been sitting on your front lawn a lot longer than you expected, you might be wondering how to sell your home that didn’t sell when you thought it would.   As a best practice, it ideal to consult your real estate agent, assuming that...

What does a real estate agent actually do?

by Tracy Cousineau

    Being a real estate agent requires you to employ a significant number of skills to complete a variety of different tasks on a daily basis. Trying to put what an agent does each day in one or two sentences is virtually impossible to do. It would be like trying to tell you what a chef does “cooks food” or what a nurse does “takes care of patients”. There’s a lot more that goes into what they do than just “helping people buy or sell properties”. If...