Salt Lake City New Homes

Anyone looking for a home these days knows that there are many homes that need some work.  If you find a home that you like, but it needs work, one option is a FHA 203K mortgage.  This mortgage allows you to buy the home and fix it up all in one loan.  The mortgage is a 30 yr fixed rate FHA loan and requires 3.5% down.

Once you have found a home that you like, you write up a purchase agreement like you would normally do.  Then once it is accepted, you contact a contractor and get bids for the work that needs to be done.  Depending on what is being done to the home, you may need a general contractor or you may be able to contract the work yourself.  A streamline 203K is available to those that need up to about $31,000 in repairs and the repairs do not involve the foundation or the frame of the house.  The appraisal is based on the house plus the repairs that are being done.

After you close on the home, the work is started.  As the work is finished, there are draws done to pay for the work that has been completed.  The final draw is done when the work is completed.  All the work must be completed within six months of closing.

If you currently own a home and want to do some remodeling, you can also use this loan.  Because it is a new loan and the remodeling is included in the loan, you do not need as much equity as you would in a conventional loan. With your own home, you can finance up to 97.75% of the appraised value after the improvements.

If you are looking for a home and it needs work or if you want to do some remodeling, this may be the mortgage that you need!

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home insurance When you’re buying a new home by getting a mortgage, the company you’re dealing with may also suggest home insurance. Although it’s convenient, you’re much better off shopping home insurance rates, then signing up with the first offer, which is usually not the best deal available anyway.

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Return on Investment. These three magic words can either make or break a seller’s piggy bank. Many new Austin real estate buyers and current sellers plan on tackling home improvement projects over the next few months. If you’d like to undertake a project this summer on your Austin area home in hopes of seeing a return on your funds down the road, here are five upgrades you can do now and still see a return years from now.

New windows can bring a lot of bang for the buck. Not only will they save you cash when paying the utility bill, but they will also increase the resale value of your Austin area home…especially if you live in an older home that still has wood or metal windows. Drafty, inefficient windows mean a colder home in the winter and a warmer home in the summer – not to mention increased spider and insect guests. And this is one upgrade that Austin real estate buyers are sure to notice and appreciate. New windows will make your home feel and look newer than it actually is. If you’re interested in upgrading your windows, but aren’t sure where to start, ask your realtor. We know what buyers are looking for when searching for their perfect home.

Upgrading your kitchen appliances is always a good idea when improving your home for resale value. New appliances will catch the eye of any Austin real estate buyer. And if you’re a few years away from putting your home on the market, upgrade now and enjoy the new technology. We can even offer advice on which appliances will stand the test of time in the eye of potential buyers.

Low-maintenance landscaping will not only save your wallet, but will also save your weekends. Replacing your front yard lawn with low maintenance shrubs and trees is a great way to cut back on your utility bills, while giving you more time to spend relaxing and enjoying the Austin real estate area. And if you’re unsure what to plant, ask a professional. Most nurseries have a landscape designer on staff to answer all your design questions. And don’t forget to ask us for advice as well. We know what buyers are looking for in exterior spaces and can help you plan your dream landscape. The Natural Gardener in Austin is an excellent resource for low-maintenance landscaping.

Ductless mini-split air conditioning or heat pumps can be a great addition to a room. Knowing that there are still many opportunities to purchase and renovate older Austin homes, these units can be an inexpensive option to provide cooling and heating. They are less expensive to install than central air conditioning and heating and can allow a home owner to control temperatures room by room.

Storage is always a good idea. Austin homes for sale can never have too much storage. For everyday needs, closet organizers and kitchen cabinetry can mean the difference between a good morning and a stressful morning. And best of all, buyers will drool over your vast storage spaces and bring an offer that respects this valuable upgrade. Storage comes in all shapes and sizes, and your REALTOR will be able to give you useful advice on what types of storage will bring the best return on your investment. Bottom line, if you’d like to enjoy your Austin home improvement projects now and get your money back when it comes time to sell, make improvements that will stand the test of time…or better yet, gain value over time. And remember, you are not alone in your home improvement endeavors. If you’d like to ensure all your projects will be worth your time and money, give us a call and we will help you map out a plan that will bring you the biggest bang for your buck.

You have prepared your home so it is in good condition, it is well staged and has a good Internet presence… but it still hasn’t sold… now what?

Here are five clues it may be time for a price reduction…

1. You aren’t getting many showings
2. You are getting showings but consistent feedback is that the price is above market value
3. You are getting showings with feedback that buyers are interested, but don’t get any second showings or offers
4. You are getting showings that say your property is in good condition and shows well, is priced at market value, but… they don’t like the location setting, the floor plan is awkward, the rooms are too small, etc
5. Your price per square foot is higher than comparable properties that have sold recently

Price is the most important factor in the sale of your home because it takes everything into account. You can’t control the market or where it is located, but you can control the price.

Remember…

• Compare your price to recent comparable sales, not just active listings… active listings haven’t sold!
• Price overcomes objections

This past week ‘Where is HomesMSP?’ has been visiting local drive-in restaurants. It has been fun searching out these icons of decades past (no, Sonic isn’t in this group), with many hearkening from the 1950’s on the outer reaches of the metro area.

I have longed for years to re-discover the onion rings of the beloved A&W drive-in from Grand Forks, ND, where I grew up… (the restaurant was such a busy hang-out that it had controlled access and you had to use the token delivered with your order to raise the bar to get out!) …I think they use the same recipe for their homemade onion rings at the Minnetonka Drive-In, and although the fresh onions aren’t cut as big and fat as those I remember it was still a delicious discovery!

On the opposite side of the metro, on St. Paul’s East Side, I discovered Dari-ette, an Italian-American neighborhood icon which offers not just burgers and ice cream treats but also fabulous homemade Italian red sauce…which they sell by the gallon! Their famous meatball sandwich is not to be missed.

Most of the drive-ins I discovered still have the nostalgic retro look of the time when drive-in restaurants were born. Not so at the Galaxy Drive In in St. Louis Park!

There has been a local drive-in on this corner of Highway 7 and Quebec west of Highway 100 since 1951, ‘Wagner’s Drive-In’ the most well known. The look and menu hadn’t changed much over the years… until Steven Schussler, long-time St. Louis Park resident and the creative mind behind the Rainforest Cafe, bought it and transformed it into a mash-up of the Flintstones meet the Jetsons meet the Blues Brothers!

It’s hard to miss the Intergalactic, Retrofuturistic and Pet Friendly Dining Experience of the new Galaxy Drive In! The latest incarnation of this neighborhood icon is more family friendly than ever, with not only a kid menu but a doggie menu as well… including free soft serve ice cream cones for your four-legged friends. Order a s’more kit and roast your own marshmallows over their fire pit.

Although food reviews are mixed, simply being there is a unique experience… whether you dine in your car or at the outdoor tables.

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Get to know the Twin Cities… follow HomesMSP daily throughout the metro, spot familiar sites and learn about some new ones, a different theme each week. Check in at http://www.homesmspblog/where_is_homesmsp?