Should I Keep Renting, or Should I Buy?

The question whether you should keep renting or if you should take the plunge to buy is a loaded one. There are many pros and cons to both options, and it ultimately depends on your situation.

If you are currently renting, every year when your lease is up, you are pegged with the same decision; should I really keep renting for another year? You may even hear from others how you should stop wasting your time and money with renting and just buy instead.

There are many things you should research or think about if you are deciding whether to rent for another year or if you want to go ahead and buy a home.

You may be choosing to rent because there is a chance you will have to move for whatever reason. When you are renting, having to move with not a lot of notice is much easier than when you own a home. But, in today’s market, houses are selling quite fast. So, if you are worried you won’t be able to list and sell your home in time, you might be surprised. The way the market is going right now, homes are coming and going so much quicker than years before. You can list your home and potentially have offers within 24 hours.

If you are renting because you don’t think you have enough money to buy a home or even for a down payment, there are many ways you can go about that. There are plenty of loans out there for different types of situations.

Rents are increasing at an alarming rate and according to the September Rental Report on, The U.S. median rental price increased 13.6% year-over-year. So, with rents increasing, you might want to consider buying a home and getting your money’s worth to pay for a home instead of just somewhere that is temporary.

If you are the type of person who likes home projects and renovations, buying a home is for you. With renting, you don’t have as creative freedom that you have when you own a home. Owning a home gives you the decorative and creative freedom to really make it your own space.

There are many reasons to rent or buy a home and you may not be in the right situation to do so but if you are unsure of your options, talk to a real estate agent!

Seller’s Leverage Still Exists in Today’s Market


Although we are starting to see more houses enter the market, the demand is still much higher than the supply. This means that sellers still have the leverage. Today’s buyers are really motivated to buy a home this year before we get into 2022.

Mortgage rates are starting to climb back up with rates going past 3% so buyers are more determined than ever to buy a home while mortgage rates are still lower than normal. Mortgage rates are predicted to rise even more in the early stages of 2022 so now is definitely a good time to buy.

Sellers who have listed their homes in the past few months and now have an advantage, a leverage you might call it, over buyers in the market right now. Buyers might be desperate to get a home before prices increase even more and mortgage rates skyrocket. This means that sellers have leverage when negotiating with buyers to get the most out of the offers and deals.

Buyers want to buy before rates and prices rise even higher. But buyers also want to be the winning bid on their dream home. All of these give the seller leverage in selling their home at a good price, maybe even higher than originally planned to possibly cover other costs. Sellers also can negotiate the best terms that fits their needs.

Houses these days are getting multiple offers since the demand is much higher than the supply and often, they can result in a bidding war. If this happens and you are the seller, take the time to look at each offer you get. Do not say yes to the first offer or even the offer with the highest amount. Look at the terms of each offer and which one has the most and best perks for you.

Sellers can pick and choose which offer best fits their needs. Whether the terms have a better closing date, all cash offer, waiving fees or inspections, whatever is best, the seller can choose the offer that has the best terms.

But remember, if you are a buyer, do not push too hard past your budget. Make sure you are smart with your offer and only offer what you can afford and make happen without emptying the bank.

If you are very unsure of what is a good offer for your house and what you need to do, hire a great real estate agent to help with the sale of your home. Having a real estate agent show you the ropes and answer your questions, will go a long way when it comes to selling your home, especially in this market.

Must Do’s If You Are Selling Your Home


Are you planning and getting ready to sell your home but don’t know where to start? There are a ton of ways you can get yourselves and your home ready to go on the market.

First things first, hire a great real estate agent who can help you in every step of the process. But before you go ahead and hire someone, make sure you do your research and find the person who might be the best in the area or who you feel comfortable with. You do not have to hire the first one you talk to on the spot. Shop around a bit and talk to a few before choosing if you haven’t done this before.

The next step is to figure out what you need to do to upgrade your home and its curb appeal. People do tend to judge a book by its cover meaning if the exterior of your home isn’t up to their standards or what they want, they might pass. Ask your real estate agent what might be best to upgrade your curb appeal and what others have done.

Now, the interior of your home is also very important. Painting the walls to a neutral color may help the possible buyers imagine themselves in the house and picture in their minds what colors they can paint. If you have walls painted bright green or red, for example, the potential buyers might have a hard time seeing themselves in the home if those aren’t the colors for them. If you do not need to fully repaint all walls of your home, make sure there are no visible scuff marks or scratches.

When trying to sell your home, you want potential buyers to picture themselves in your space which means you should try to depersonalize the space as much as possible. Remove any family photos from the walls and shelves so that they can imagine their own photos on the walls.

You want your home to look spotless. After you have cleaned, clean some more. Wipe every surface down, vacuum, anything that you can do to make sure your home is clean. You might want to conduct a smell test to make sure there are no odors that might lure people away from your home.

All in all, there are many steps that you can take to get your home ready to sell. If you do not know where to start in your own home, do some research and hire a great real estate agent to help.


Do You Need a New Home or Just a Renovation?

Being in your home for the last year and half might have brought you to think about what you can change about your space. You might have been watching a lot of HGTV during quarantine that got you thinking. Transferring to remote work, if you did, might have got you thinking about needing a bigger office space or even having an office in the first place.

Spending all that time in your home got your brain churning about what you possibly could do or if you need more or less space. The question that has popped up in people’s heads is “Do I need a new home or just a renovation?” This is a big question to ask yourself especially after spending so much time at home, but you know your home more than anything now.

If you are still working from home or working in a hybrid model, finding a new home with the space that you need might be the way to go. Dedicating a space to be an office is a great idea even if you aren’t working from home. If there are times where you need to do some work once you get home or on the weekends, you have a space to do so.

When it comes to thinking about renovating your home, do you have the time and money to do so? Renovating your home, depending on what type of project it is, can take a while. It might even take longer than selling your home and buying a new one.

A question you might ask yourself is “Do I like this location or is there another location that I would rather live in?” This is a big question and might be the answer to all your questions. If there is somewhere else that you want to live, buying a new home in that area is the answer.

Another question to ask yourself is “Do I need a bigger or smaller home?” If you plan on growing your family and the house you are in now is not big enough, looking for a home with more space and bedrooms would be a great idea. If you need a smaller home and the current home you are in now is way too big for your lifestyle now, finding a home to fit your needs is the way to go.

If you decide to renovate your current home, the number one thing to do is to stay organized and plan. You don’t want to just jump into renovating your home without a plan. There might be items on your list to renovate that require professionals so do your research and get quotes to see how much it will cost you.

Updating your kitchen or bathrooms is a good project to start with if your home is a bit outdated. Adding a deck onto your home is also a great renovation project. Increasing the size of closets in the bedrooms is a great idea. There are hundreds of ways to renovate your home.

Renovating your home is a great way to increase the resale value of your home whenever you decide to sell it. So, if you are going to renovate instead of buying, think of what in your home can be updated or changed.

When it comes to renovating or starting new, make sure you think about it and plan it out.

How To Keep Your New Home Clutter-Free After Moving


If you are about to move into a new home and you want to make sure your home stays nice and neat after unpacking, here are a few ways to ensure that.

Looking at all your moving boxes may seem like a daunting task and clutter seems to be inevitable, but if you take it one step at a time, it is possible for your home to remain clutter-free.

This all starts before you physically move into your new home. Getting rid of unwanted and unused items before moving will help you declutter. Moving is like a fresh start and you want your home to be filled with items that you utilize so it is the perfect opportunity to get rid of things.

Once everything is boxed up and in your new home, put the boxes into their designated rooms where the items will be in. This will help organize and you are not left with kitchen or bathroom boxes in your hallway or living room. Start by unpacking room by room and finish unpacking a certain room before moving onto the next. Of course, make sure you unpack the essentials like kitchenware, bathroom items, and bedding if you need to.

While you are unpacking, you can still go through each item to make sure you still want it or not. Going through everything again is a good idea just in case there were items you were unsure of getting rid of. This will ensure that you are weeding through thoroughly.

Nothing must be perfect when you first unpack everything, like your clothes. Your first objective is to just get those boxes out of the way, so you aren’t living in a box castle and walking in a maze. You can hang your clothes up and put them in your dresser and then go back to organize later.

You want to make sure everything has a place, if it doesn’t, instead of making several junk drawers, decide what you want to keep and throw away the rest. Organizing each cabinet or drawer throughout your whole house is a daunting task but you want to make sure you know where things have so organized them by what kind of item they are and keep the same kind of item together with the rest.

Moving into a new home might leave you confused on where things are for a while, so it is a good idea to stick to one place until you decide if you like it or not, so you are not running around your whole house trying to find one simple item.

After reading all of this, you should be in a good place of trying to keep your new home free of clutter.

Easy Repairs to Get Your Home Ready for the Fall Season

home maintenance

Now that the summer is coming to an official end, it is about the time to start prepping your home for the cooler days ahead. You want to get a head start on all of this before the cold weather hits.

Now I know you may not want to think about the cooler months, and you might be in denial that summer is ending but your home will thank you for it.

The first item on the checklist is to check, clean, and maybe replace your gutters. Checking your gutters regularly will save you from possible flooding in the future if they are clogged. This could result in a lot of damage to your interior so bring out that latter and clean all that gunk out.

On the topic of potential flooding and leaks, inspecting your roof for any cracks in the shingles or wind damage can save you from much larger problems. Even though repairing your roof can be pricey, it literally is the roof over your head. Protecting your house and yourself from bigger problems that may occur if you don’t check your roof should be a priority.

Before the weather gets too cold, check your heating system to make sure it’s still up to snuff. You do not want the first freezing day to sneak up on you and you wake up to see your breath in the air. Therefore, checking to make sure it works properly or even getting it inspected by a professional in the early fall is a great idea.

If you happen to have a fireplace in your home, checking for any potential damage and hazards is a must. If you are new to having a fireplace, get it inspected by a chimney sweep but if you know how to inspect it yourself, make sure you do.

Repairing walkways is also important to do before it snows, and ice is coated on your steps and walkways. If the cracks are small enough to do it yourself, save the money and do it but if the cracks are major, you should always get a professional to repair it.

Bringing in outdoor furniture for the colder months and storing it in your garage if you have the space, a shed, or a storage unit will preserve the furniture from being damaged. If you do not have the option to store away the furniture, purchase waterproof covers to put over the furniture.

Now I know not everyone is ready for the fall and winter, but your home will thank you for checking up on things before the cold weather hits.

Mistakes First Time Home Buyers Make – And How to Avoid Them

first home

When you are buying your first home, the long list of tasks may seem overwhelming. You might want to cut corners where you can but that may not be the best idea. You want to make sure you are doing everything that you can to ensure the process goes smoothly.

One of the biggest mistakes first time home buyers do is to start looking for houses when they have not been pre-approved for a mortgage. Getting a pre-approval can show the sellers that you have your credit and finances in order. In a competitive market, you might even be denied or lose on a property if you haven’t been pre-approved for a mortgage.

Alongside getting pre-approved, you might want to consider talking to more than one lender to compare rates, fees, and terms. You might end up saving money if you spend the time to do research and have conversations with multiple lenders.

When looking for a home, make sure you create and stick to your budget. When creating your budget, you want to look at how much your monthly costs are going to be and if you will be able to afford it without draining your bank account. You also want to factor in all the closing costs that can add up. You want to be careful when buying a home and sticking to a budget when prices are on the rise. You might see a home that is everything that you want but is well over your budget or you might find yourself in a bidding war with several others.

On the topic of finances, keep your credit and finances in check throughout the whole process. You want to prove that you are responsible with your money and keep your credit stable. Pay down credit cards and pay your bills on time. You also should not open any new credit cards or lines during this process as well.

Be reasonable when making your needs and wants lists for a home. Don’t put a lot of things that might be hard to find. If you do, you might overlook perfectly good homes for you during your search to find everything you want. Later down the road, you might possibly be able to add some of those features to your home that you want.

When moving into your first home, your first thought might be to start some home improvements, but you will be there for some time. Hold off on any major remodeling projects until you have been there for a little while. See how you utilize the space and go from there.

All in all, there are a lot of steps when trying to buy your first home. If you take your time and not rush on any decisions, you will be able to afford and find the right home for you.

Easy Ways to Increase the Value of Your Home


The real estate market is a challenging place right now. If you are thinking about selling your home and want to improve your home’s resale value while not breaking the bank, here are some quick and easy ways to boost the value of your home. Even if you are not planning on selling, the tips laid out below will help you do some updates that you may have been holding off on.

First off, you should create a plan. Think about what exactly in your home may need updating and start from there. Are you selling your home or are you just doing some much needed updating? If you are planning on selling your home, hiring a home inspector might be a good idea to see what exactly needs to be done.


Remodeling your whole entire kitchen is an expensive project and can take a long time. If you are looking for cheap and quick ways to upgrade your kitchen, start by doing small renovations.

Changing the color of your cabinetry can make your kitchen look drastically different without changing anything but the paint. If your cabinet knobs are looking a bit old or they might have scratches on them, changing them out will help your kitchen look new and modern. Updating a new kitchen faucet set and fixing a leaky faucet will do wonders as well.

If your budget allows it, replacing the appliances if they are outdated will help your kitchen look better and more modern. You can either choose white or stainless steel but make sure they all match, or you can try a brightly colored appliance to bring attention to a certain part of the kitchen.


Touching up your bathroom could play a major role in people wanting to buy your home. Buyers want areas that make them feel comfortable and maybe almost a spa atmosphere. This can easily be done by updating the shower head, replacing the toilet seat, or adding new countertops to the bathroom. Installing heated lamps or flooring can be a nice luxurious touch as well.

If your floors are looking a little dingy, re-grout the tile as well as in the tub and shower for a new and fresh look.


The bedroom is your sanctuary after a long day. It is the perfect place to unwind and relax so you want it to be comfortable. Switching out the bedding and pillows is a quick fix to transform the room. You can add or eliminate furniture to make it the space you desire.

If you are planning on selling your home, repainting the bedroom, or redoing the flooring/carpet is a great place to start! If you have the space for it, think about expanding the closet or adding a second closet for a his and hers closet!

Other Spaces

Add a fresh coat of paint or redo the flooring in your living room and hallways to add some life back into your home.

If you haven’t updated the artwork or decor in your home in a while, doing that will liven up the place a significant amount. Updating the decor in your home will give your space a whole new look without breaking the bank.

If you have an office or an extra room, think about possibly adding a closet, if you have the space.


The exterior of your home is just as important as the interior. Whether you are selling or staying, updating the exterior of your home will go a long way!

Replacing your garage door will help the curb appeal of your home. Your garage door might be discolored or have scratches and dents in it. Replacing the garage door is not something that will break your bank and it will improve the exterior of your home greatly.

As we are on the topic of doors, repainting your front door can increase your home value and curb appeal. Giving your front door a new splash of color or a new coat of paint will help significantly. Replace the light fixtures on the front of your home to ensure that they work and to add more decor.

Plant new flowers or even plant a tree to liven up and add color to the outside of your home.


Whether you are getting your home ready to sell or just doing some much needed remodeling, these quick and easy tips will help improve the look and value of your home.

What You Need to Know Being a First Time Home Buyer


Buying a home may seem like a difficult and long process but there are many steps that you can take to make it easier. The market we are currently in can make the process seem like it’s going to take a while or that it is going to be impossible but with the steps you can take and having a great real estate agent, you will soon be in your next home.

Home prices continue to rise as we move along through the summer which may scare new home buyers into waiting longer. Although home prices are increasing, rent is also increasing so buying a home may save you more money in the long run. Monthly mortgage payments are on the rise but comparing mortgage payments to rental payments, paying for mortgage is still significantly lower than rental payments, according to the National Association of Realtors.

With prices on the rise, determine a budget for yourself and/or if you are buying a house with someone else. Determining and sticking to a budget will allow you to know what you comfortably can afford but if you must go over that budget in a bidding war, it may not be the best thing for you. You may want the house that you are in a bidding war for but if it well exceeds your budget, it may not be the right home. Create a budget where you can possibly exceed by a little bit but not too much.

Think about if you are ready to commit to a loan. Mortgage loans are typically 15 to 30 years so ask yourself if you are ready to commit to this home for a while and if you have the money to do so.

If you are ready to commit to a loan, do your research and find the right type of loan for your situation. There are many types of loans to choose from that range in various forms of how little or how much your down payment can be which may help your financial situation.

Getting pre-approved for a mortgage loan is a major step that you do not want to miss. This major step lets you know just how much you can afford and shows the seller that you can afford to buy their home.

This step may be a very vital part in getting a home. If there are multiple offers on a house, getting pre-approved may make you more desirable to the seller and you may not have to be in a bidding war.

All while in the process of this, make sure you are keeping your credit stable, and you are not draining your bank account. When buying a home, you want to make sure you keep your spending on the low to show that you are responsible with your money.

Also, be sure to scout out the neighborhood at different times of the day to make sure that the community is the right fit for you.

Buying your first home may seem like a stressful and daunting task but with the right help from the right real estate agent, you will find the next home for you!

Possible End in Sight for Record Low Shortage as June Shows Surprising Numbers

Possible End in Sight for Record Low Shortage as June Shows Surprising Numbers

The record low housing shortage that we experienced due to the pandemic might be turning around due to the surprising numbers that June showed. Sellers are starting to feel more comfortable about putting their houses on the market which means the heat of the market might start to cool down a bit.

According to, new listings in June increased 5.5% year over year and 10.9% compared with May.

With more houses coming on the market, buyers should start to feel better about actually getting a house. The chances of multiple buyers on one house and the prices of homes should start to decrease as more homes enter the market. The other side of more homes being on the market means there will be more competition for sellers.

This could mean trying to price their home accordingly. Pricing a home for competition might mean lowering the price to attract more buyers but it could sway the other way where the sellers might price their home higher to get more money.

The number of houses on the market are still historically low compared to the average for this time of year before the pandemic. But it will take a while for the market to recover from the pandemic so any increase in the number of homes is good.

New listings usually decrease in the summer after a busy spring market, which is why an increase in listings in June is surprising, but you must remember that the market is completely different than any other year due to the pandemic. The usual highs and lows cannot even be compared to 2020 and 2021 because of that.

Mortgage rates are projected to start increasing which will make buying a home less affordable so take advantage of the record low mortgage rates and more homes on the market to finally buy one.

The fear of trying to buy a home in this market and potentially being outbid or being put in the middle of a bidding war is frustrating but as more houses become available, the hope is that there will be less offers on one home.

Whether you are planning on buying or selling a home, contact your local real estate agency for assistance!