Thinking of Selling your Home?
Phyllis Shurn-Hannah NV Lic S-0199095 1627 E Windmill Ln #400 Las Vegas, NV 89123 phannah3019@gmail.com 484 686 3060 Wonderful Register Now! Welcome Here’s Phyllis Real Talk Mortgage Calculator Home Valuation Register Login Account Members Password Reset Contact Hamburger Toggle Menu Phyllis’s Book Club Please read my book or contact me at: Phyllis Shurn-Hannah www.Ourhouserealtors.com 484-868-3060 Are you thinking about selling your home? Are you fearful that if you put your house up for sale you won’t get top price? These are relevant and normal questions. Your home is one of your largest investments, and gains on your home are what is most important! Reasons why it is important. Purchasing a larger home Use it to downsize and to use earnings to supplement retirement Education for children going off to college In preparation to sell your home you should make necessary changes to attract lots of potential buyers. You will need to look at your home objectively. The most important person to help you with prepping your home is your realtor. Your realtor will be objective with you and identify changes that will be necessary to attract more buyers and the top asking price for your home. My FREE book will also provide you with a road map to help prepare to sell your home for top dollar. There are lots of variables in selling your home, listed are but a few things you must consider and discussed in my book: Declutter every room Make repairs to unfinished projects or any other repairs. Buyers seeing unrepaired or broken items is a RED flag for buyers. Lots of repairs means the buyer will negotiate for a lower sell price. Painting rooms that need a fresh look or maybe you have a smoker in your home. You may not smell the smoke, but it is there. Clean your carpets or change them to a flooring more desired by buyers,
A Family Approach!
Start 2025 by setting GOALS Our House Realtors Phyllis Shurn-Hannah NV Lic S-0199095 phannah3019@gmail.com 484 686 3060 Wonderful Register Now! Welcome Here’s Phyllis Real Talk Mortgage Calculator Home Valuation Register Login Account Members Password Reset Contact Hamburger Toggle Menu Finding Your Dream Home Buying a home is one of the biggest decisions you’ll ever make. It’s more than just finding four walls; it’s about creating a space that reflects your family’s unique needs and aspirations. This journey is most successful when approached as a team effort. https://youtu.be/woYmdsQ5Aiw A Family Approach 1. Family Goals: Dream Big: Involve every family member in envisioning your ideal home. What features are must-haves? A backyard for the kids? A home office? A gourmet kitchen? Location, Location, Location: Brainstorm ideal neighborhoods, considering factors like proximity to schools, parks, and amenities. Educational Priorities: Discuss the importance of school districts and their impact on your children’s future. 2. Financial Reality Check: Determine Your Budget: Work with a qualified loan officer to understand your borrowing power. This crucial step will guide your home search and prevent disappointment. Family Commitment: Openly discuss family finances and how everyone can contribute to achieving your homeownership goals. This may involve adjustments to spending habits or extra income streams. Loan Officer Guidance: Your loan officer will provide valuable insights into qualifying for a mortgage, including credit score requirements, down payment options, and necessary documentation. 2. Financial Reality Check: Determine Your Budget: Work with a qualified loan officer to understand your borrowing power. This crucial step will guide your home search and prevent disappointment. Family Commitment: Openly discuss family finances and how everyone can contribute to achieving your homeownership goals. This may involve adjustments to spending habits or extra income streams. Loan Officer Guidance: Your loan officer will provide valuable insights into qualifying for a mortgage, including credit score requirements, down payment options, and necessary documentation. 3. The Home Search: Armed with Knowledge: With your financial goals clearly defined, you can confidently embark on your home search with your realtor. Find Your Perfect Fit: Your realtor will guide you through the process, helping you find homes that align with your family’s needs, budget, and preferences. Buying a home is a significant investment. By working together as a family and making informed decisions, you can navigate the process with confidence and achieve your dream of homeownership. Welcome Here’s Phyllis Real Talk Mortgage Calculator Home Valuation Register Login Account Members Password Reset Contact Hamburger Toggle Menu
Renting vs Ownership
Welcome Here’s Phyllis Real Talk Mortgage Calculator Home Valuation Register Login Account Members Password Reset Contact Hamburger Toggle Menu Las Vegas – Renting vs Ownership Las Vegas is a vibrant and exciting city with a lot to offer its residents. From the world-famous Strip to the stunning natural beauty of the surrounding area, there is something for everyone in Las Vegas. But before you can enjoy all that Las Vegas has to offer, you need to find a place to live. RENTING Renting is a popular option for many people in Las Vegas. It is a great way to get to know the city and see if it is the right place for you before you make a long-term commitment. Renting also offers a number of other advantages, such as: Flexibility: When you rent, you are not tied down to a long-term mortgage. This gives you the flexibility to move if you need to or want to. Lower upfront costs: Renting typically requires lower upfront costs than buying a home. This can be a major advantage for people who are on a tight budget. No maintenance or repair costs: When you rent, you are not responsible for maintenance or repair costs. This can save you a lot of money and hassle. However, there are also some disadvantages to renting, such as: No equity: When you rent, you are not building equity in a property. This means that you are not gaining a financial asset. Limited control: When you rent, you have limited control over your living space. You may not be able to make changes to the property without the landlord’s permission. Rent increases: Rent can increase over time, which can make it difficult to budget for your housing costs. OWNERSHIP Buying a home is a major decision, but it can be a great way to build wealth and stability. Homeownership also offers a number of other advantages, such as: Equity: When you own a home, you are building equity in a property. This means that you are gaining a financial asset that can be used for future investments. Tax benefits: There are a number of tax benefits associated with homeownership. This can save you a significant amount of money each year. Stability: Owning a home can provide you with a sense of stability and security. You know that you have a place to call your own. However, there are also some disadvantages to homeownership, such as: Higher upfront costs: Buying a home typically requires higher upfront costs than renting. This can be a major barrier for some people. Maintenance and repair costs: When you own a home, you are responsible for maintenance and repair costs. This can be a significant expense. Less flexibility: Owning a home can make it more difficult to move. You may need to sell your home before you can relocate. Welcome Here’s Phyllis Real Talk Mortgage Calculator Home Valuation Register Login Account Members Password Reset Contact Hamburger Toggle Menu Conclusion Ultimately, the decision of whether to rent or buy a home in Las Vegas is a personal one. There is no right or wrong answer. The best way to make a decision is to weigh the pros and cons of each option and decide what is best for your individual circumstances. Additional factors to consider: Your financial situation: How much can you afford to spend on housing each month? Your lifestyle: Do you prefer the flexibility of renting or the stability of owning a home? Your long-term plans: Do you plan to stay in Las Vegas for the long term? By considering these factors, you can make an informed decision about whether renting or buying a home is right for you.
How to select a mortgage company 101
Welcome Here’s Phyllis Mortgage Calculator Home Valuation Register Login Account Members Password Reset Contact Hamburger Toggle Menu How to Choose a Mortgage Lender Choosing a mortgage lender is one of the most important decisions you’ll make when buying a home. Your lender will be responsible for providing you with the financing you need to purchase your home, so it’s important to choose a company that you can trust. Here are a few tips for selecting a mortgage company Get recommendations from people you trust. Ask your friends, family members, and real estate agent for recommendations on mortgage companies they’ve worked with in the past. Shop around and compare interest rates. Get quotes from several different lenders before making a decision. Consider your individual needs. Some lenders specialize in certain types of loans, such as first-time homebuyer loans or VA loans. Read online reviews. Check out online reviews of different mortgage companies to see what other borrowers have experienced. Ask about fees. Be sure to ask about all of the fees associated with your loan, including origination fees, appraisal fees, and closing costs. Get pre-approved. Getting pre-approved for a mortgage will give you a better idea of how much you can afford to borrow. Choose a lender that you feel comfortable with. You’ll be working closely with your lender throughout the home buying process, so it’s important to choose a company that you feel comfortable with. By following these tips, you can be sure to select a mortgage company that is right for you. Additional tips Here are a few additional tips for selecting a mortgage company: Make sure the lender is licensed in your state. Ask about the lender’s experience with first-time homebuyers. Find out if the lender offers any down payment assistance programs. Get everything in writing. Choosing a mortgage lender is an important decision, so take your time and do your research. By following these tips, you can be sure to find a lender that you can trust. Welcome Here’s Phyllis Mortgage Calculator Home Valuation Register Login Account Members Password Reset Contact Hamburger Toggle Menu