All Blog Entries by Debbie Drummond

Found 413 blog entries published by Debbie Drummond.

Does Your Home Need Professional Gutter Cleaning? How To TellGutter care is an important part of home maintenance - they are not something that you should defer cleaning. If you're a new homeowner, here's what you'll need to know about taking care of your home's gutters.

Why It's Important to Clean Gutters

Gutters are designed to carry water away from the home. Without a proper drainage system, water can saturate the ground around the home, or may seep into the home's roof and walls. If water saturates the ground surrounding a home's foundation, the earth around the home may heave during freeze/thaw cycles, causing costly foundation damage.

If water leaks into the walls or attic of a home, this could lead to mold, wood rot, pest infestation and other problems. Cleaning the gutters can ensure that water

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How to Find the Right Price for Your PropertyWhen the time comes to sell your home, it's important to price the home right. If the home is badly priced, either too expensive or too inexpensive, you may lose money and take a long time to sell. Understanding the dangers of incorrect pricing, and working with a real estate professional to price your home correctly, can help you have a successful home-selling experience.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Dangers of Over Pricing

Buyers tend to look for homes within a certain price range. They avoid going too far above or below their price range, because budget is important to them. When buyers look at homes in a price range, they compare

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Explore the Home Closing ProcessFirst time homebuyers may not know much when it comes to closing on a home. Time can easily get away from buyers busy with arranging a move and getting everything in order. Knowing more about the closing process can help mitigate challenges and allow a buyer to get everything in place for this last part of the home buying process.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

Home Closing: The Final Hurdle

A buyer is now getting close to the end of the home buying process at this point. In the majority of cases, buyers are financing their purchase, necessitating the involvement of a lender. Home closings are generally faster and with few, if any,

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What To Put On Your Home Wish ListWhen getting ready to look for a brand new home to buy, most buyers already have an idea of what sort of features they want, and it could be anything from hardwood floors to a big yard with a patio. Before buyers go to home showings, they should put together a home wish list to organize everything they want and have an answer for all the questions their agent will ask when trying to find them the prefect home. Here are some things to consider when making a wish list.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Wants and Needs: How to Differentiate Between Them

Many people are familiar with the term “wants versus needs” and how it’s used to organize

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Start to a Home-buying BudgetIt pays to not get more home than can be reasonably afforded. A home-buying budget can help create a financial cushion when first purchasing a home, making it easier to make regular mortgage payments and upgrades to a home. Know how to get started on a realistic home-buying budget today.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

Review Current Expenses

When buying a home, the amount of debt to an applicant's income will be of interest to lenders. Before looking for a mortgage lender, review your credit history, credit card and banking statements over the last three months. Assess how much money generally goes towards expenses like:

  • Car or
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Accepting a Cash OfferWhen a homeowner is looking to sell their home, especially in a sellers market, they may get multiple offers, including those involving cash offers. While many buyers are financing their home with a conventional loan, a few may be able to make an offer in cash. What does this mean for the seller? Is a cash offer a better route than working with buyers financing with a lender? These are only a few questions that pop up when getting such an offer for the first time. Understand more about what happens when accepting a cash offer on a home.

What Is a Cash Offer?

A cash offer is an attractive option for many sellers. In fact some will accept a lower cash offer over a higher offer made with financing. An all-cash offer is one in which a buyer does not

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Seller Financing GuideNot every seller is in the position to offer seller financing, but those that do can benefit from a sizeable return and may be able to close on a home faster. This can be a useful option for those wanting to sell in a market with stringent credit requirements for buyers. It is important for a homeowner to consider whether seller financing can be a practical alternative and if it is possible to take on the responsibility of financier. Understand more about seller financing and when it is a useful choice to sell a home.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

What Does Seller Financing Mean to the Homeowner?

Not everyone can assume a lender's

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4 Things You Need To Know About Historic HomesMany people dream of owning a slice of history, and that can be done fairly easily through buying a historic Tuscany home in Henderson NV. A historic home is defined as a home that is associated with a significant historical event or was significant to a historical figure’s past, is distinctive in its construction, and gives insight to the time period that it was built in. Buying a historical home can seem amazing on the surface, but there’s a lot more to it than just signing on the dotted line. Here are some of the most important things buyers need to know about historical homes before making an offer so they can decide if it’s truly for them.

For informational purposes only. Always consult with a licensed real estate professional before proceeding

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Age-restricted Community BasicsActive adults that have more home than they need may be looking to buy a new home to meet their current lifestyle. It can be useful to find a home that will provide the support and community needed in the next stage of life. The age-restricted community is a great idea for some who are looking to make a change.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Gain Access to More Amenities

An age-restricted community can provide residents amenities such as game night, community pools and a private golf course. Much depends on the type of community and how is it run by the HOA. This can be a nice alternative for social adults that want to stay active.

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4 Common Mortgage Mistakes Buyers MakeVery few people have the means to buy a home with cash only, and that means in order to buy a home, most people are going to need a loan. Because loans are so important to buying homes, it’s important that buyers make sure they don’t make any mistakes when applying for and using them. However, it can be easy to make mistakes, especially for first-time home buyers who haven’t dealt with mortgages before. Here are some common mistakes buyers make regarding mortgages and how to avoid them.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

1. Going With the First Lender

There are many, many different lenders out there, and each of them offers different rates

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