Gayle Gahagan

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This is one of the most important steps you can take when getting ready to buy a home. Pre-approval can save you time an...
08/24/2022

This is one of the most important steps you can take when getting ready to buy a home. Pre-approval can save you time and heartache by helping you eliminate houses during your search that are likely outside of your price range. Don’t set yourself up for the disappointment of falling in love with a house only to discover that you don’t qualify for the necessary loan amount - get pre-approved!

Do you know how much equity you have in your home? A licensed professional like a realtor can help you determine that va...
08/22/2022

Do you know how much equity you have in your home? A licensed professional like a realtor can help you determine that value and evaluate whether now is a good time to sell your home.

A mortgage is a type of loan used to purchase or maintain a home, land, or other types of real estate. The borrower agre...
08/19/2022

A mortgage is a type of loan used to purchase or maintain a home, land, or other types of real estate. The borrower agrees to pay the lender over time, typically in a series of regular payments that are divided into principal and interest. The property then serves as collateral to secure the loan. A borrower must apply for a mortgage through their preferred lender and ensure that they meet several requirements, including minimum credit scores and down payments. Mortgage applications go through an underwriting process before they reach the closing phase. Mortgage types vary based on the needs of the borrower, such as conventional and fixed-rate loans.

As a first time homeowner, you may be overwhelmed by the home maintenance list required to keep your house in good condi...
08/17/2022

As a first time homeowner, you may be overwhelmed by the home maintenance list required to keep your house in good condition. This is important not just for the enjoyment of your home but for potential future resale value. When you buy a home, make sure you put locating your utility shut-off points at the top of your list. In the case of an emergency, knowing where these are can save your home from unnecessary damage.

Staging is about showcasing a move-in ready home that creates an emotional connection with the buyer. 82% of buyers agen...
08/15/2022

Staging is about showcasing a move-in ready home that creates an emotional connection with the buyer. 82% of buyers agents said staging helped their clients to visualize the property as their home. Sellers should try to define each room with a purpose, maximize each space, ensure the home is well lit and neutral, and maintain any outdoor spaces.

Pre-approval shows how much a lender is willing to give you. If you start home shopping before finish the pre-approval p...
08/12/2022

Pre-approval shows how much a lender is willing to give you. If you start home shopping before finish the pre-approval process, you could get an unfortunate surprise when you apply for a mortgage and discover you qualify for less.

Before buying a home, you need to wrestle with these two things: your budget and your non-negotiable list.⁣Your budget: ...
08/08/2022

Before buying a home, you need to wrestle with these two things: your budget and your non-negotiable list.⁣
Your budget: Sit down with a reputable bank or mortgage lender to get pre-approved. Plus, a pre-approval letter will strengthen your offers.⁣
Your non-negotiables: These are your “must-haves” in a new home. Need to stay in the same school district? Need a fenced yard for the dog or a guest room for grandma? Keep this list short, but clear. You may need to reference it when the emotions of buying ramp up.⁣

Trying to decide your home style can be overwhelming; figuring out what you’re drawn to versus what works well when tryi...
08/05/2022

Trying to decide your home style can be overwhelming; figuring out what you’re drawn to versus what works well when trying to achieve a certain vibe in your home. What style do you try to achieve when decorating your home?

What is the 25% rule? Keep your monthly payment to no more than 25% of your take-home pay. Once you know what affordabil...
08/03/2022

What is the 25% rule?

Keep your monthly payment to no more than 25% of your take-home pay. Once you know what affordability looks like, share your boundaries with your real estate agent and develop a plan.

If you are ready to buy, contact me today!

Remodeling and renovating your home can make your home more enjoyable, and— if done right—increase your home’s value alo...
08/01/2022

Remodeling and renovating your home can make your home more enjoyable, and— if done right—increase your home’s value along the way. If you are thinking about boosting your home's value to sell it, contact me today!

An escalation clause is language written into a purchase offer that automatically increases your purchase price by a cer...
07/29/2022

An escalation clause is language written into a purchase offer that automatically increases your purchase price by a certain amount above competing offers, until the offer reaches the maximum price you are willing to pay for the home. An escalation clause only goes into effect when there are competing offers.

You typically do not have to put 20% down on a house. In fact, the average down payment for first-time buyers is just 6 ...
07/27/2022

You typically do not have to put 20% down on a house. In fact, the average down payment for first-time buyers is just 6 percent and there are loan programs that let you put as little as zero down. However, a smaller down payment often means a more expensive mortgage long-term but if you want to get into a house sooner rather than later, that might be a sacrifice you want to make!

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