Jill Finkelstein - Berkshire Hathaway Home Services Town and Country Real Estate



Posted by Jill Finkelstein on 6/25/2017

A home showing offers a wonderful opportunity for a home seller, as it enables this individual to promote his or her residence to a potential homebuyer. But after a home showing is finished, how should a home seller proceed?

Ultimately, there are several steps that a home seller should expect following a home showing, including:

1. Waiting for a Response from the Homebuyer

The time between when a homebuyer views your home and when he or she provides feedback about a home showing may seem endless. However, home sellers should remain patient and understand that what happens immediately following a home showing often is beyond their control.

Remember, you only get one chance to make a positive first impression on a homebuyer. And if you went above and beyond the call of duty to enhance your residence before the home showing, you've likely done everything you can to put your best foot forward.

On the other hand, if you failed to clean up the kitchen, remove clutter from the basement or perform other home repairs and maintenance, there is no time like the present to get started on these home improvement tasks. Even if an initial home showing was far from perfect, you can always learn from it and allocate time and resources to enhance your house's appearance for future showings.

2. Consulting with Your Real Estate Agent

Your real estate agent will serve as a liaison between you and a homebuyer and keep you up to date with feedback about the home showing.

If the home showing was successful, your real estate agent may come to you with an offer on your house. In this scenario, you'll have a short period of time to decide whether to accept, reject or counter the proposal.

Or, if the home showing was unsuccessful, there is no need to fret. Your real estate agent will be able to share a homebuyer's feedback with you, which may help you discover ways to improve your home.

3. Enhancing Your Home

As a home seller, you may need to host many home showings to stir up lots of interest in your property. And with an experienced real estate agent at your disposal, you should have no trouble getting your home ready for home showings.

Your real estate agent understands what it takes to garner interest from homebuyers. Thus, this real estate professional will offer recommendations and suggestions to help you improve your home quickly and effortlessly.

Also, your real estate agent is available to respond to your home selling concerns and queries. That way, if you're uncertain about how to make your home stand out from the competition, your real estate agent will be able to provide insights and tips to help you do just that.

Collaborate with a real estate agent, and you can streamline the home selling process. This housing market expert will do everything possible to assist you before and after a home showing and ensure that you can promote your residence to the right homebuyers consistently.




Tags: Tips on selling  
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Posted by Jill Finkelstein on 6/18/2017

Despite the fact that children are injured each year by hazards inside their home, you can safety proof your home and keep your children unharmed. Talk to your children about dangers of playing with certain products or items in your home. For example, you could tell your children not to touch the stove, stick objects in electrical outlets or play near or on steps. Creating a safe home environment is fairly simple To protect toddlers and young children from falling down steps, install safety gates at the tops of steps. Ensure that the gates are properly installed and donít give way when leaned against. Also, install safety locks or latches on kitchen and bathroom cabinets that store harmful household cooking utensils, chemicals like bleaches, grill lighter fluid and heavy skillets and pans that could fall on your child. Again, test the latches to ensure that they are properly installed. Additional steps that you can take to child safety proof your kitchen include putting anti-scald covers on stove eyes and remaining in the kitchen while the stove is on. Keep pots and pans on back eyes, if possible, while the stove is on to help prevent children from accidentally bumping into pots and pans, causing hot liquids and foods to splash on them. If stoves, refrigerators and other appliances are uneven, install pads beneath them to make them even. Anchors, similar to those used in hotel rooms, can also be installed on furniture to keep furniture from toppling over should children climb atop the furniture. The United States Consumer Product Safety Commission also shares that edge bumpers can keep children from being injured should they fall against furniture. Alarms that should be in every home To protect your child from electrical shocks, place hard-to-remove covers over electrical outlets. Also, make sure that all electrical outlets have a standard plate on them. Engage in fire safety by installing fire alarms throughout your home. Itís also a good idea to store a fire extinguisher in a safe room in your house. Another type of alarm that you can install is a carbon monoxide alarm. Inspect both alarms regularly and replace the alarm batteries no less than once a year. As a family, practice fire and other safety exit drills. This can let you know if older children need more instruction on what to do in the event of natural disasters or a human created emergency. Outdoors child safety proof measures include putting locks on the garage door and placing garage door openers high enough so that young children cannot reach them. Make sure that electric garage door openers are functioning properly. Rakes, shovels, gravel, hammers and other heavy or hazardous objects should be kept out of the reach of young children. Because no child safety proof measures may work all the time, particularly if your child is determined to explore an area or object, educating your child about the dangers of playing with certain items is important. So too is making sure that you and your older children practice safety such as removing toys from the bottom of steps, keeping cords and plastic out of the reach of children and removing water from tubs when they are not in use.





Posted by Jill Finkelstein on 6/11/2017

Do you dream about owning your own house? Has the idea of living in a property that adds to your personal equity started to appeal to you? If so, you're in good company. Each year, millions of Americans buy a house. Many of these homes are purchased with a home loan.

How you could get the right home loan

To protect themselves against loan defaults, lenders prefer to work with borrowers who have a history of being financially responsible. Doing so helps more than lenders.It can keep an entire economy from contracting, similar to the debacle that happened to cause the Great Recession.

Knowing what lenders look for in borrowers can help you to secure a home loan. To begin,your credit history is going to get reviewed while you're trying to secure a home loan. The amount of debt that you have and your history of making minimum or higher payments on these debts is going to be reviewed.

Your income, including income from second jobs that you work, and your spouse's income will also get looked into. Landing a higher paying job helps when it comes to securing a home loan. But, don't just increase your income.

Take advantage of military home loans if you served the country as a service member.If you work for a bank, you could get lower interest rates. Check with your employer to see how much you could save. If you don't work for a bank, consider securing a home loan through your current bank.

Opt for lower monthly mortgage payments

It could improve your chances of getting approved for a mortgage. It could also help you to save on interest payments. In addition to choosing a mortgage that has a lower interest rate, to secure a home loan:

Go after home loans that require lower monthly mortgage payments. Lower interest rates and military home loans are just two ways to achieve this. Applying for a home loan when the economy is recovering is another path to lower monthly mortgage payments. After feds start raising interest rates and the economy becomes stronger, mortgages generally rise.

Pay off as much debt as possible before you apply for a home loan. For example, you could pay off your auto loans and furniture. You can also pay off personal loans that you took out before you apply for a  mortgage.

Increase your liquidity. You can do this by investing more in stocks, cash savings and bonds. The value of your current home can also improve your liquidity. The value of a business that you own is another way to improve liquidity.

Get financial statements together to present to a lender. Items to get include income tax returns, pay stubs, investment account statements and business income, if you own a business. This includes an at home business. Also, get exiting loans and other debts together to present to lenders. The amount and type of debt may be sufficient, depending on the lender that you work with.




Tags: Real Estate   home loan  
Categories: Uncategorized  


Posted by Jill Finkelstein on 6/4/2017

Homeowners insurance could potentially save you thousands of dollars in repairs and product replacements. If you donít read through your homeowners insurance thoroughly prior to signing the policy, you could also be responsible for paying thousands of dollars to repair your roof, floor, a septic tank and more.

General events that homeowners insurance policies offer protection on

Depending on where your house is located, youíll need different types of insurance coverage.For example, if you live in a high flood risk area, make you that you get flood insurance. The same applies for areas that experience hurricanes and mudslides.

Think twice before you sign a policy with an insurance carrier who wonít offer you the protections that are generally required where you live. As a starting point, following are common protections that a homeowners insurance policy offers:

  • Fire damage
  • Hail
  • Vandalism
  • Theft

Damages that your homeowners insurance may not cover

Depending on your insurer, your homeowners insurance may not cover all natural disasters. For example, homeowners insurance may not cover damage caused by an earthquake. Floods, hurricanes and mud slides are other natural disasters that homeowners insurance may not protect you from.

Other damages that your homeowners insurance may not cover include:

  • Sinkholes
  • Asbestos
  • Chemical warfare
  • Mold (You could get rid of a small amount of mold in your bathroom, kitchen or another room at your house on your own. But,let mold spread into your walls and youíll need to contact a professional to inspect, clean away the mold and treat your home. Donít assume that your insurance carrier will pick up the cost of these repairs. Check to see that mold is covered in your policy before you enter into an agreement with a homeowners insurance provider.)
  • Plane crashes (This is an uncommon event, but it happens. Should a plane land on your house, as destructive and emotionally damaging at the experience may be, your insurance carrier may not pay for repairs that are associated with the plane crash.)
  • Auto accidents (Similar to plane crashes, if someone runs their car into your garage or house, your insurance carrier may not pay to have the property repaired. If your house is located on a road that has seen its share of auto accidents, speak with insurance carriers to see if they will offer you coverage that protects your home against auto accidents.)
  • Damages due to aging (for example, if your roof becomes damaged due to age, your insurance carrier may not pay to replace the roof)

As with any type of insurance, including auto and health insurance, check with your insurance provider to determine what you are actually covered for. Do this before you sign an insurance policy. Generally, the broader the span of coverage, the higher your monthly premiums will be. But, these higher premiums can prove to be well worth it should an unexpected emergency or disaster occur.

Also,compare insurance rates across companies. Keep your eyes open for regulatory changes that could impact your insurance rates. For example, if your homeowners insurance goes up, check to see if a new state law impacted the industry, causing insurance carriers to raise rates in the state that you live in.




Categories: Uncategorized  


Posted by Jill Finkelstein on 5/28/2017

When you have a family, thereís many different needs and personalities at play within your home. Trying to please all of those different ways of life can cause some confusion. There are many ways that you can create an all-in-one space without creating a major construction zone. You need to think in terms of spaces that accommodate large groups of people from entertaining to gathering around the television for a movie or sporting event. Combine Several Rooms Into One When rooms arenít connected, sometimes bringing the rooms together can bring more flow into the home. Consider knocking down walls or bringing aspects of one room into another room, like a countertop or island through parts of kitchen and living spaces. Get creative! In some spaces, simply knocking down just one wall can make the entire floor of the home feel bigger. Make The Use Of The Square Footage You Have One wall can cause you to miss out on the full use of the space your home provides. Clearing away walls between rooms not only allows your home to feel more open and airy, but it gives you as a homeowner more use of your space. You donít always need to add on to your home in order to make the home feel bigger. Tuck Things Away Keeping stools under countertops, for example, is a great way to have a multi-use and multipurpose area. A television will be perfect in a cabinet. The cabinet can be used for both storage and TV viewing. Make sure you position it in a place where the TV can be seen from all corners of the room. This way everyone will have a space for their DVDs and thereís not a bad seat in the room to watch TV from. Use Furniture As Room Dividers Your furniture can multi-task by serving as a room divider. If you need to have a study in your living room, use a bookshelf to separate the area. Itís easy to do and will keep the flow of a room without disturbing your established setup. Use Rugs For Unity Nothing unifies a room quite like an area rug. Everything on or near the rug signifies a space. If you need to separate areas within the room, try an area rug for one purpose and hardwood, bare floor for the other use. Rugs are always cozy in reading rooms, for example. Hardwood floors may work better for a computer desk and rolling office chair. The position of everything in a room helps to identify what that part of the room will be used for. Marry The Rooms That Are Used Together If your family tends to hang out and use the kitchen and living room the most, make sure they have open space between them. You should consider adding a study for the students of the house in either room to make it easier to call everyone for dinner and provide homework help. As a bonus, itís a great idea that you can keep an eye on the kidsí computer activity while youíre cooking! Most of all, no matter what room youíre working with, you want to make sure thereís a space for everything and everyone. Thatís how you please an entire family with home design!