Tips for installing a new backsplash

You’ve been watching HGTV again and you’ve been inspired to do something about that dated backsplash in your kitchen. It’s not exactly a small job, but certainly one an adventurous first time homeowner can do with just a few tools. Installing a backsplash is a pretty straightforward process, with a few caveats. Just make sure you’re really ready before you put mastic to wall.

Choosing Backsplash Materials

Anything you can glue to the wall can be used as a backsplash. How effective it will be, on the other hand, is a point you really need to consider. Sure, that wine cork backsplash you saw on Pinterest is cool, but how well will you be able to clean it the first time you splatter spaghetti sauce on it? Remember that backsplashes are exposed to tough conditions, including:

* High heat.
* Steam.
* Water.
* Food splatter.

Even though you may love the idea of making your kitchen backsplash out of old newspapers, ask yourself how you’re going to address these issues. If, for example, you somehow transfer the images from a newspaper onto a piece of tempered glass, you might be on to something. On the other hand, just taping newspaper to the wall is going to result in a very short-lived mess.

What the backsplash is made of is almost the most important question there is to answer. Many homeowners choose tile because it’s easy to install, universal and, hey, it’s what’s in the bathroom so you know it’s great with moisture. Before you rush out the door to buy supplies, consider the pros and cons of the materials you’ve been imagining as you cook dinner every night.

Prepping the Space

Changing out the backsplash in the kitchen isn’t the hardest job out there, but it can be an incredibly gross one, especially if the old backsplash was tile. You’ll want to move all the appliances out of the way (don’t just dodge around them, people get hurt this way), don’t forget to take the range hood down for access behind it. At the store, you’ll want to pick up some heavy drop cloths, either thick plastic or the reusable canvas ones. Also nab a respirator for each person who will be helping. You really don’t want to breath in the dust you’re about to generate.

Turn the power to the kitchen off, and with a heavy metal putty knife or small claw hammer, lift the first tile off the wall. Just shimmy under it and give it a twist of the wrist. Also have a bucket or something nearby to toss the tile into. Repeat this until all the tiles are gone. You’ll also need to have a plan for leveling the wall afterward — it should look nearly new, in a perfect world.

Depending on what was used to attach the tiles, you may be able to just knock the ridges down with your putty knife and sand the rest out or you might be able to go over the top of old, existing mastic with new mastic and tiles. Ask your home improvement store for specific help on this because the combinations and solutions are nearly limitless.

If you’re dealing with a formica backsplash (the same material as many countertops and a common backsplash choice for homes built and remodeled in the 1970s and 80s), you’ll need a heat gun to melt the glue, but you can essentially just peel it off as the glue is heated. The same applies to any other glued-on materials, short of wallpaper. Don’t heat that with a heat gun unless you like kitchen fires.

Is it Prepped Yet?

You’ll know your kitchen wall is ready for action when there’s no sign of anything behind the new material, including bumps, discoloration and the like. For glass tiles, for example, this might mean you’ll need to go over the drywall with a thin coat of white mastic for consistency, false tin tiles might look better after you’ve completely stripped any evidence of old backsplashes down to the drywall.

If you neglect this very important step your backsplash will look awful. It might even fall off. So prep like crazy. If you spend half the time on your project doing prep work, you still might be better off prepping a little more. Ultimately, the quality of the project is primarily determined by the quality of your preparation.

Tips for Doing a Great Install

The worst feeling in the world is reaching the end of a project only to realize that it looks nothing like you had imagined. Pinterest (and pre-Pinterest) fails are common in home improvement projects, but you can avoid the worst of them with a little pre-planning. Consider these tips before you go back in with your new material.

Ensure your backsplash actually fits. Laugh all you want, but sometimes people are drawn to particular materials or tiles and can’t be swayed otherwise. Measure your space and then measure it again. Not all materials are easy to cut down, keep that in mind as you make the final decisions.

Consider grout color choices as a part of the process. If you’re going with tile, grout is not an afterthought. Grout colors can completely change the way a tile backsplash looks in the space. If you use black grout with a white subway tile, it’s going to pop like mad, but that might not work in a kitchen that’s otherwise pretty calm. The reverse is also a problem, a white grout with those white tiles is going to make a kitchen with a lot of energy feel sterile and lifeless.

Plan your cuts ahead of time. This applies to any material you can cut. When you’re making cuts, you’re changing the pattern just so much and sometimes that little bit matters a lot. For example, if you’re using a piece of heavy acrylic that has fish silk screened onto it, you don’t want to lob a head off or cut a fish in half. Consider where you’re going to place each piece of material, where it’ll be cut and how it’ll all fit together at the end and your backsplash will steal the show.

Number your pieces. Use an oil pencil (or a Sharpie works if you’re using tiles) and label each piece on the back, in order of application. It can get very confusing when you’re in the middle of an install, there are a lot of things to keep on the brain. Labeling everything and drawing out even a crude diagram to show yourself where they go will make your job so much easier.

Remember, it’s not a race. No matter what type of backsplash you’re installing, slow and steady is the way to go. Going too fast ultimately means sloppy work. You don’t have the experience of a pro, you can’t expect to have the speed. Just put one tile, panel, or chunk of glass in front of the other as you move across the kitchen.

Getting The Most Out of Solar

As spring begins to really set in across the country a lot of homeowners are finally getting out into the yard and garden, soaking up the sun’s rays. Something else is taking in the rays in a big way right now: your neighbor’s solar panels. Although they function all year, just to be clear, the longer days mean more electricity production and lower utility bills. If you’ve been glancing up at those panels with envy in your heart, maybe it’s time to get your own mini electricity plant.

Depending on where you live, getting started with green energy can be a simple process with a range of providers to choose between. You should still learn as much as you can before choosing a system.

Solar Panels and Green Energy 101: Start Here

Before you dive head-first into a solar system, we want to give you a bit of a primer so you know what you’re looking at when you see it. Pretty much everyone knows that solar panels somehow make sun into electricity, but that may be the end of their knowledge base.

What’s actually happening inside is that the sun’s rays are being captured by special solar cells and converted into DC electricity. Just how that all works and what you need to make it happen is more of a mystery. Luckily, you don’t have to be a scientist to choose a good system.

Solar Panel Materials

Not every solar system is the same, which is why they vary in price so much. See, solar cells can be made from one of two main materials: monocrystalline silicon and polycrystalline silicon (thin film options are also becoming more widely available, but the adoption rate is low due to high cost). The first one, monocrystalline silicon is a more expensive, but more effective, solution. You’re gonna get more juice out of this material per square foot. That matters a lot when you have limited space on your roof to place panels.

Polycrystalline silicon is meant for areas with more space to spread out, like solar farms (or even dairy farms). But, the larger surface area means more maintenance, more chances of failure and so forth. For your house, focus your efforts on monocrystalline silicon if you’re serious about green energy.

Configuring Your Panels

Although there’s a very clear answer for the materials that should be inside your solar panels, how to configure them from there is a bit more open. You should really think about what it is you want your solar array to do before committing to a setup. These are your primary options:

Photovoltaic Direct. Unless you’re only going to use it for a single application that you do during the day, configuring an array as photovoltaic direct doesn’t make much sense. Basically, this is the kind of solar power that’s on your calculator (remember those?). It’s on-demand and when there’s no light to use, there’s no juice.

Off-Grid. Mountain Men and vacationers alike can take advantage of off-grid photovoltaic systems. These are systems that aren’t hooked up to the grid (hence the name), but are sufficient to provide your entire power needs. Used in conjunction with a battery bank for those long, dark nights, an off-grid system can make sense for temporary setups (like your RV) or very remote ones (that cabin way up on the hillside).

Grid-Tied with Battery Backup. After coming back to civilization, you may want to consider a grid-tied photovoltaic system with a battery backup. This way, you kind of have your cake and eat it, too. You store your own power, but you can also pull from the grid if you don’t make enough. You’ll be able to use these systems in an outage, since you’ve stored some electricity. Once the batteries are used up, though, karaoke party time is over. That aside, metering techniques have changed enough that it may be more cost effective to chuck the battery bank.

Batteryless Grid-Tied. Most systems today will be batteryless grid-tied photovoltaic. Essentially, your solar energy goes into your house, whatever needs to be used in that moment is sucked up by your TV and your fridge and so forth, then it travels out of your house to the grid. Your electric meter keeps track of how much electricity is leaving your house, as well as how much is coming back in during the night when you’re not generating any of your own juice. The only real downside to these systems is that they cannot act as an electricity backup in case of a power outage.

Getting the Most Out of Solar

Not all areas of the country are a good fit for solar, no matter how much you may want them to be. In fact, not even every house in an area generally believed to be good for solar is good for solar, so it pays to do a little legwork here before getting too emotionally invested. And by little, go to Google’s Project Sunroof and type in your address. It’ll do the rest.

Of course, having a house that’s awesome for solar is just the first step. There are several things you should do before making the leap to get the most out of the sun, including:

Weatherproofing your house. All those tiny leaks and the lack of insulation in the attic can impact how much you really benefit from solar in a big way. Because your air conditioning or heat is going to be influenced by those points, it’s a good idea to start by weatherproofing your home, no matter the season. Do it tight, do it right.

Upgrading the windows. Normally, if windows are opening and closing safely, they’re basically good. But when you’re talking about squeezing every cent out of your pricey solar panels, a window (and other glass panels like patio doors) upgrade is a great idea. Look for a low U-factor, indicating a tightly constructed window. Solar heat gain coefficient (SHGC) is another story. If you’re trying to use passive solar heat with your active solar panels, choose a high rating. If you’re trying to stay cool, or at least prevent outside heat from coming in unauthorized, go with a lower number. Your local window experts should be able to advise you on what’s best for your location.

Investing in Energy Star appliances. Energy Star appliances have long been the standard for efficiency. When you see an Energy Star tag, you know you’re looking at a washing machine, dryer, microwave, refrigerator or whatnot that’s among the most efficient in the market. If your new solar panels are trying to power your 50 year old refrigerator, you’re wasting an awful lot of power for nothing. Upgrade that fridge right away (they have some new ones with really cool features like on-door touchscreens and cameras that can show you what you forgot to get at the market)!!

Planting trees and bushes strategically. This is another one of those “depending on where you live” suggestions, unfortunately. In some areas, you simply can’t grow a tree tall enough to shade problematic parts of your home, for example, but maybe you can grow a taller bush to shade your air conditioner condenser from the heat of the summer so it works more efficiently. Grow all the things, but nothing too big too close to the house.

A Note on Solar Panel Financing

When you’re looking to pay for these fancypants solar panels of yours, there are plenty of options. There are a lot in most states, including rebates and grants, so seriously, go find a good loan.

May Steve & Jack's Home News

Happy Spring...finally!!! After what seemed like an eternity, it appears as if Old Man Winter has loosened his grip on us. We hope that you are ready for some spring weather as well, and if you are like us, you have a long list of projects to start tackling.

With the spring market here, real estate is white hot. This is the absolute craziest market I have ever seen in 20-years in the business. Houses are literally selling in hours with multiple offers all above list price. Some are even selling before they hit the market. In fact, that is the case with Jack and Mary Anne's house, which sold before we could even get it listed! They are excited about the new buyers who will love their home as they have and close on May 24th. As you might imagine, this is a very difficult move after living there since 1980! There are lots of memories (and junk) to process, but it will be a very good move for them as they don't need that much house or yard for which to care.

The biggest piece of advice I can give people who are thinking of downsizing or even selling the house and moving into an assisted living community is to 1) start early for de-cluttering, & 2) have your financial affairs in order ahead of time. We see all too often people leave these two items to family members after they are gone and the stress and pain it causes everyone. This is a very difficult subject to broach, to be sure, but one that is absolutely necessary. If you need a very good estate-planning attorney, and/or people who can help with de-cluttering/selling items, please call us. We have several excellent recommendations we can give you so you can be ahead of the game and have everything planned out, according to your wishes and not leave your family guessing.

Jack and Mary Anne are looking forward to celebrating their 50th Wedding Anniversary this summer!!! It is hard to believe it has been that long. Michelle and I are planning a nice celebration to mark this impressive milestone and look forward to reaching it ourselves one day.

Brigid is staying very busy with her work at Merck and, on top of that is remodeling both of our girls' bathrooms. We hope to have those finished by the end of the weekend. Not a fun job, but a rewarding one!! Tali just finished her final gymnastics' meet for the season and is practicing all summer to prepare for moving up a level next season. She so loves gymnastics and we love supporting her. Ana is preparing for her month-long trip to Europe with Blue Lake Fine Arts camp this summer. We are looking forward to seeing her perform in Belgium and then spending a few days in Paris. This will be a trip of a lifetime!

Brigid's brother Jim was just awarded Professor of The Year at Northeastern University out of over 1,600 professors as well as he just received his tenure. We are so proud of him for all of his hard work!! Amazing!!!

Below are some staggering stats for our housing market courtesy of MIBOR comparing March 2018 to March 2017. We have never seen inventory this low...ever. This is literally historic. If you are even remotely thinking of selling, please call us as proper planning is crucial to achieving your goals and ensuring a smooth transition.

New Listings-DOWN 8.8% to 3,932 units
Pending Sales-UP 30.5% to 4,285 units
Closed Sales-DOWN 7.5% to 2,966 units
Median Sales Price-UP 11.2% to $173,500
Average Sales Price-UP 10.6% to $209,313
Percent of Original List Price Received at Sale-UP 1.2% to 95.9%
Total Active Listings Available at Month End-DOWN 34.7% to 5,708 units
Months Supply of Inventory-DOWN 34.5% to 1.9 months

Thank you to all of our friends and clients for joining us a Matt The Miller's last Wednesday for our monthly Happy Hour! We had a great time, as always and hope you can join us next month on May 16th from 5-6:30PM at Matt The Miller's in Carmel. Food and drinks are on me!!

We hope you enjoy reading this month's newsletter. If you would like a paper copy, please let me know. We are sending a limited number out and would be happy to add you to the list, if you prefer that over electronic. Happy Spring!!!

Click here to read our May newsletter

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Your Friends in Real Estate,

Steve, Jack, Kylie, & Julia


P.S. Please don't keep us a secret!

Killer vines??

There’s nothing as stately as a red brick house covered in green vines. This iconic image has been portrayed on television, in movies and, sometimes, in actual neighborhoods. Little does the general public that are busy oohing and awing at these buildings actually know, they’re really watching a house being destroyed bit by bit.

Clinging vines are some of the worst things nature throws at your home on a regular basis, but a lot of homeowners have no idea because it’s death by a thousand cuts. Any one day isn’t probably hurting your house much, but as time passes, more and more hidden damage is taking place.

Sorry to burst your bubble, but if your house has vines running up it, it’s time to figure out what you’ve got growing and start getting aggressive about destroying damaging vine infestations.

Telling the Good Guys From the Bad

Not all vines are the Devil — it just so happens that most of the ones people like to train up their houses are. This may be because they hang on for everything they’re worth, so a strong wind or a violent storm won’t result in a massacre. Whatever the reason, it’s led to a lot of damage to homes for hundreds of years, even if the homeowner never knew it.

Identifying damaging vines isn’t difficult, even the beginner horticulturalist can spot the differences once they’ve been shown what to look for.

Elements of a Damaging Vine

Vines don’t set out to destroy your home, they’re merely doing what vines do: climb. It’s just that some of the climbing methods that vines use tend to be fairly destructive in a long term kind of way. Vines have several different methods they use to climb. Some will literally grow in a spiral form to wrap around a nearby support, others send out specially modified parts called tendrils that coil around whatever they can find.

Those two types of climbers are basically harmless, at least as far as your siding is concerned. The real killers are the vines that climb using an adhesive disk or adventitious roots. Both adhesive disks and adventitious roots are very difficult to dislodge once they’re established. You can imagine how this kind of tenacity could bust masonry, dislodge vinyl siding, pull down gutters and lift shingles from your roof.



Adhesive disk of P. quinquefolia

Vines with adhesive disks literally have shoots coming off the vine tipped with roundish pads that grip tight using an adhesive that the plant produces. A common troublesome vine that uses this technique is Virginia creeper (Parthenocissus quinquefolia). Virginia creeper is a beautiful disaster for houses pretty much everywhere. In the summer, it’s a deep green and as fall approaches, it turns to a burning red-orange. It can be hard to make a villain out of a vine like that.



Adventitious roots on brick home

Adventitious roots are a little less complicated, biologically speaking. These are just extra roots that the plant uses to grab hold of things by penetrating any available crack or nook that’s available. The plant doesn’t care if that happens to be a crack in a brick on your house or a nook in a tree somewhere. These structures look a bit like the air roots that orchids produce, or, for those of you who don’t cruise the floral department at your market, they can appear much like thick hairs and cause a centipede sort of effect on the leafless parts of the vine. English Ivy (Hedera helix) is a champ at producing these roots and also climbing up houses.

Know Thy Enemy

The vines that could be destroying your house already aren’t some kind of plague or an unlucky hand you’ve been dealt. In almost every case, they were planted purposefully. In fact, you can get them at your nearest greenhouse or home improvement store. Neat, huh? People go in looking for a vine to train up their house, then they leave with a bag full, not knowing what they’re about to do. A few examples of the worst vine offenders include:

Wisteria (Wisteria spp.). This glorious vine with hanging purple, white or pink flowers can make a dramatic statement when raised in the right spot. When it’s close to your house, however, the statement it makes is, “I’m about to destroy your siding and your roof.” There have been many cases of Wisteria getting out of control, climbing to the roof, invading the gutters and lifting shingles off of homes. It’s an amazing plant, but keep it far from your home.

Virginia Creeper (Parthenocissus quinquefolia). The configuration of the five-part compound leaves of Virginia creeper has caused a lot of confusion for homeowners, with some believing it to actually be poison ivy. Virginia creeper is not a plant to worry about from a medical standpoint, but it does put out both adhesive pads and, as it grows, adventitious roots, making it one tough sucker to uncling from your house.

English Ivy (Hedera helix). If there was an Olympic category for climbing and also plants were allowed to compete, English ivy would probably lose to a human that can move faster than it can. But, for a plant, English ivy is quite fast and strong. It’s also enormous. A single English ivy vine can grow to 80 feet in length. That makes it more than capable of climbing to the roof, consuming your television antennae and anything else that it fancies.

Climbing Hydrangea (Hydrangea petiolaris). Like English ivy, climbing hydrangea can be a tough number to contend with. The masses of white flowers are awesome, but the adventitious roots will invade any space they find to hold tight, allowing the plant to achieve its full potential: 80 feet of vine growth. Don’t kid yourself, this isn’t a plant to put near structures.

The Indirect Problem With Climbers on a Structure

Beyond being able to cause direct damage to your home anywhere and anywhere they can get a root in sideways, growing climbing plants on a house opens you up for all sorts of interesting problems. Remember that the environment under that mass of leaves is generally very humid, making a perfect place for mold, insects or rot to take hold.

There’s no question about it, growing a vine on a house is really a very bad idea. It was traditional at one point, but now we know better, so we should do better. Tackling an established vine is no picnic, but with patience, consistency and plenty of herbicide, you can wrestle the monster to its death. Removing all the attachments is a different story, though. Depending on your siding and the type of vine you’ve killed, you may just have to learn to live with root remains until they finally dry up and blow away.

How to get good curb appeal

First impressions are everything. That’s as true for job interviews as it is for making your house the best version of itself it can be. No matter how big or small your remodeling budget, your first plan of attack needs to aim at improving the curb appeal of your home. Aside from major system issues, this is the decision point where a future buyer is going to eventually come inside or drive on by. No matter how flashy your interior is, if your exterior doesn’t say “love me!” you’ve already lost the real estate game.

What, Exactly, Is Curb Appeal?

Not that long ago (in the early days of the Internet, even), it was a lot harder to get an idea of what a house looked like simply from a listing. Instead of an online database, many markets had giant bound books that looked a lot like a phone book. But instead of telephone numbers, there were listings upon listings of properties for sale. Realtors would send their clients to drive by these homes to see if they thought they’d like to have a proper viewing. These potential buyers would pull up to the curb to take a look, and thus, the concept of “curb appeal” was born.

You may not think that how your house looks from the street really matters. After all, you’re going to live there forever / you have years and years to tick that box / you think a sterile lawn and worn out shutters are fine. Whatever your reasoning, you’re looking at this all wrong. It’s not just that curb appeal is good for a sale (though it is), it’s also a powerful tool for maximizing the property’s appraisal value. If you need a home equity loan or to refinance down the road, you’ll wish you had bothered.

So, let’s bother today. We’ll take a walk around the yard and figure out how to turn your boring house into a dazzling wonder with the budget you have.

Tips and Tricks for Better Curb Appeal

First of all, you’ll want to get cozy with the neighbor directly across the street from you. You’ll be popping over pretty regularly to see how your house is looking to a passer-by. After all, how can you judge the effectiveness of your efforts without seeing it from the same angle they would? Curb appeal is a difficult concept, and often an overwhelming one, but that’s why we came up with these tips to get you started:

Clean up any debris. Hey, whether it’s your leaf collection or just a bunch of junk you’ve been meaning to get rid of, get rid of it. Think about your home the way some people think about mullets: “Business in the front, party in the back.” Or to put it another way, keep the front of your house clean enough to eat off of, do all your cluttery things in the back. Your neighbors will also thank you.

Trim the hedges. Overgrown shrubbery and beds that need to be weeded are worthless, trim those and clean them up so you can make use of them. If someone chose to plant a tree in a poorly chosen spot, you should be the one to correct that tragic error. You can always plant a smaller tree in a better spot to make up for the one you cut down.

Paint the front door and shutters. There’s something exceptionally special about a front door. It sets the whole tone for the rest of the house, so if the paint is worn out or just the wrong color, people will notice. Consult a color wheel for suggestions or spend a lot of time standing at a paint counter going through paint chips. This is a big deal, take your time. While you’re at it, buy some shutters or choose a paint color that will give your old ones new life.

Consider an all-over paint job that really makes features pop. Every house has some architectural features that make it special and place it within its own time. Unfortunately, too many people bury these features with the wrong paint pallet. Plan your home’s exterior colors to emphasize these good bits of awesome.

Replace the old, worn-out lighting. New lighting can make a huge difference to the way your home looks. Choose something that fills the space appropriately, but is also period appropriate. After all, you’re working on a theme here.

Add to the softscape. When you’ve got a yard that’s kind of meh, it’s important to pump it up a bit. Choose plants that will be easy to care for in your climate and that will come back year after year. These softscape elements can make your place far more interesting, plus perennials will multiply over time, giving a nice, full look to the garden.

Give the whole front yard white glove service. Whether that means rebuilding your cement driveway or adding a new mailbox, carefully go over the entire front of your property. Clean windows, take care of crumbling patios, make people eager to get out of the car to see what else you have in store.

Why you need a home inspection

You should never judge a book by its cover, or a house by what you can see during a showing. Not only are showings about seeing yourself in a space, rather than assessing a home’s structural stability and system functionality, they’re generally too brief to really get to the nitty gritty. No Realtor is going to wait around while you crawl through the attic.

Anyway, that’s what home inspectors are for.

What a Home Inspection Is and Isn’t

One of the biggest misconceptions about home inspections is that the report you get is a run down of a static structure that’s unchangeable. The truth is that a home — or even an empty lot — is a constantly changing ecosystem. In a house, there are lots of parts behind the scenes that are growing and shrinking, shifting and moving, albeit slowly.

A home inspection isn’t a projection of the future health of your house. It’s a right now look at the structure and all the moving parts. A home inspection is a snapshot and it can only reflect what the inspector sees during the time they’re at your future address.

This means that a year from your home inspection the furnace may go out, or the roof may succumb to high winds. Your house may change in ways no one can predict now. But, that doesn’t mean that a home inspection has no value.

Three Big Reasons to Have a Home Inspection

Home professionals know what they’re getting for the price of a home inspection, but many home buyers balk at the idea of spending even more money trying to buy a house. Granted, home inspections aren’t cheap, but they provide a lot of value for the money. There are plenty of reasons to hire a home inspector, but these three biggies are worth pondering if you’re unsure about pulling that trigger.

1. Home inspectors can sniff out problems you may have missed when viewing the home. No one wants to buy a money pit, but people do all the time because they’re either overestimating their abilities or they’ve failed to get a home inspection. When your home inspector goes through your home, they’ll not just walk around in the living room. They crawl through the crawl space, they get up into the attic, they really give it a good look. Home inspections take hours to complete, but when they’re done you’ll be given a report that provides you more information than you could ever imagine. The types of problems found will help you decide if you can really deal with the house in the longer term or if you can afford the house at all.

2. They’ll prepare you for upcoming repairs. Although your home inspection is a snapshot of your home at a particular moment in time, and not meant to predict the future, there are many parts of the ecosystem that predictably show signs of wear. When your home inspector sees that your shingles are starting to lose their asphalt coating, for example, they’re going to make a note of that in the report. If the furnace is beyond its useful life, even though it still works, you can brace yourself for replacing it. Knowing that there are problems in your future can give you more time to prepare for fixing them, even if that means changing loan types to a mortgage with a rehabilitation loan component, like an FHA 203(K).

3. Don’t forget, an inspection report is also a bargaining chip. Most real estate contracts allow you an inspection period, during which you can get your experts out and have them look around the property. You also have the right to ask for repairs based on what they find, provided these were not readily apparent issues. (If the carpet’s worn in the hallway, you can’t ask for that during the inspection period because you could see it. You should request those kinds of repairs with your initial offer.)

Those less visible defects are everything. Say, for example, that your home inspector found that the plumbing is leaking under the house. When that report comes in, you can request that the seller fix this issue, because it’s obviously a major problem you couldn’t have known about. If they refuse, you can come back and ask to lower the sales price (with most loan programs). Some lenders will require that something as important as the piping is in working order before closing, so make sure you and your Realtor know what your loan requires before breaking out the home inspection bargaining chip.

After closing, a lot of buyers lose or toss their home inspections. This is kind of a mistake. You can use that home inspection as a punch list of items to update, repair or replace, and check them off as you go. Later, when you go to sell that house, you can show your potential buyers that you literally fixed everything on the home inspection. That’s a confidence builder, for sure.

Strange weather conditions...and their problems to your house

Of all of the dramatic and awe-inspiring developments of the modern era, surely climate control is high up there among the most beautiful. It can be a muggy 95 degrees Fahrenheit outside and yet, with a well-maintained air conditioner, it’s amazingly 74 and dry inside. In the winter, you can walk into a cozy 68 degree house after shoveling your -4 degree sidewalk. There truly isn’t much better in the whole world.

That’s why when your climate control system isn’t working, it sort of creates a bit of a panic. After all, you wouldn’t want to actually have to deal with -4 or 95 degree weather. That’s definitely a bummer. Luckily, a lot of the most common reasons for your forced air unit’s failure to do its duty can be easily DIY-ed.

Wielding Power Over Sun and Rain

Hey, there’s nothing unimpressive about what your friendly neighborhood HVAC expert can do when it comes to turning a brutal building into a climate-controlled structure, but you, too, can take a little bit of credit for keeping the weather under wraps. Before you call in your HVAC expert, a bit of troubleshooting can save you money and your repairman time.

Many of the problems with HVAC systems can be corrected at the filter, the condensation line or the breaker box. Let’s take a look at each issue in a bit of depth.

HVAC Filters are Your Worst Frenemy

When your climate control system kicks on, it immediately starts sucking air into the cold air return, pulling it across the air handler, which is either set to heat or cool. After a quick pass, that air is pushed out through the ducts, to be collected again by the cold air return and put through the ringer again.

As your air filter picks up more dust, hair and other airborne particulate, it gets harder for the air handler to suck air into the system. Eventually, you’ll find yourself in a position where the filter is so dirty that there’s almost no air flow and, therefore, no climate control. Strangely enough, most homeowners aren’t ever told how often to change their filters — the three month estimate on a lot of filter packages is a ridiculous overestimation of how long that filter will last.

Instead, HVAC experts recommend you check your filters at least once a month and replace them any time they start to look dirty. The higher your filter’s MERV rating, the more frequently it’ll need to be changed. This doesn’t mean you should seek out a filter with a low MERV rating, though. Too low of a MERV rating will leave your HVAC system vulnerable to dirt and dust collection inside the system, rather than on the filter. For most homes, a MERV of 7 or higher will filter out the stuff you really don’t want in the air, like mold spores, pollen and dust and protect your system.

If it’s been a while since you changed the filter and the system’s still kicking on, just blowing the wrong temperature, start at the filter. Change it, even if it’s only discolored. This can indicate that the tiny passages in the paper are clogged.

Awkward Conversations About Condensation

Plenty of people who are fairly hands-off when it comes to home maintenance don’t realize that their systems have something called a condensation line. This is essentially a tube that moves water from the air handler to a drain or outdoors, depending on the way your system is configured. Sometimes, your system will do something weird like kick on and off again rapidly or simply not cool properly as the only sign that your condensation line needs help.

In a modern HVAC system, the air from your cold air return is pulled across a special tent-shaped coil system that gets really cold when the gases inside are compressed. As that warm air passes and is cooled, it drops much of the liquid it was holding and that water collects in a pan below the coil. From there, the water goes into a dedicated line or vinyl tube, the condensation line, and out of the house.

When the condensation line is blocked, this process is disrupted. Some air handlers are designed to essentially stop working until the standing water is removed from the pan, others will simply spill everything into the floor, which is not a good time. This is why it’s usually recommended that you flush that condensation line every time you change your HVAC filter.

If you suspect a clogged condensation line, flushing it with straight vinegar or a diluted vinegar/ hot water mix can get the water out of the catch pan and restart the air conditioning party.

Have You Tried Turning it Off and Turning it Back On Again?

Hey, if it works for computers, televisions and all manner of electronics, turning it on and turning it off again should work on your air conditioner, should it? The truth is that your HVAC system is not your granddad’s system. There are plenty of computerized parts that are necessary for it to do its job property. When you’ve tried replacing the filter and you’ve cleaned the condensation line until it’s allowing water to flow free and neither of those things worked, it doesn’t hurt anything to reboot the system.

Most HVAC systems have at least two breakers in different parts of the house. Your air conditioner, for example, should have a double-wide breaker inside your main breaker box, as well as a breaker on the outside of the house. This outside breaker is housed in a little box of its own, hanging on the house very close to the outdoor unit.

Both of these need to be reset, since the problem could be anything from a computer that’s simply confused or a partially tripped breaker that was the result of a particularly windy night. Start by flipping the breaker inside your house to the “off” position, then go to the outside breaker box. Depending on the type of electricity interruption technology inside, you may just need to flip a switch, or it may require that you pull the fuse out and put it back in. Once you’ve done that, you can go back inside and turn the power in the main breaker box back to “on.”

De-cluttering 101

Of all the things that you can do to get your home ready for the market, there’s nothing as effective or inexpensive as decluttering. Not only does it allow you to really showcase the best features of your home, it helps you get ready to move and to possibly shed some items you really don’t need anymore anyway. Two birds, one stone.

A proper decluttering can be a big project, though. It’s important to have a plan before you get started.

Decluttering 101: Getting Started

The goal of decluttering for a home sale is to make your house appear as large and functional as is possible within its structural limitations. Obviously you’re not going to turn a 12 foot by 12 foot living room into a massive parlor simply by getting some stuff out of the way, but as with anything you’re looking to sell, it’s a good idea to put the best foot forward possible.

Removing clutter helps rooms feel more open and airy, so make this the hard focus of your life until it’s totally done. Bringing in some friends who will give you an honest opinion can also help you find more things to get out of the house before your Realtor comes to take the photos for your listing.

These tips can help you stay focused:

1. Begin at the beginning. The first thing a potential buyer is going to see is the yard, then the driveway and then the front door. These areas need to be very neat and tidy or else they’ll simply stay in the car and drive away. You don’t want to waste a lot of energy inside for buyers to be turned off because your front porch is covered in shaggy planters and old patio furniture.

2. One room at a time. There are any number of apps for planning big projects like this, so pick one and get to making a list. Every room in the house, even closets and hallways, should have their own entry. Break the effort into the smallest chunks possible to make it easier to accomplish. The more you check off, the better you’ll feel and the more momentum you’re going to build.

3. Do you really need all that furniture? Rooms crammed with furniture are great for get togethers, but they’re terrible for showing a buyer how they can use the same space. All they can see is your furniture, so get as much of it out of the way as possible. Leave the pieces that are the nicest or the newest for the very best first impression.

4. Clean all the counters off. It’s the easiest thing in the world to get into the habit of using your counters for storage, but when buyers see this practice, they just assume you don’t have enough storage. nobody wants a house with not enough storage — that’s probably the reason they’re looking for a new place to begin with.

5. Clean the showers. It’s an incredible hassle and something you probably only do when company is coming, but assume that company will be coming every day until closing from now on. Black mold on shower grout is an huge turn-off. Those buyers won’t know that you haven’t cleaned the back shower stall since 1989, they’ll just see that black mold and leave.

6. Your collections have gotta go. Yes, you have the most amazing collection of paperclip stick figures ever assembled, but they don’t need to be on display. In fact, they’re probably standing between you and a potential buyer right now. Pack them up, get them out of sight, make the room where you keep them look enormous.

7. Declutter the garage and storage buildings, too. Oh, don’t think we’ve forgotten about these guys. They’re great places to dump stuff you don’t want to get rid of, but don’t know where to put, but that potential buyer is going to want to know if their own stuff that they can’t figure out what to do with will fit in that space. Clean that garage and those storage buildings up and, if necessary, install some heavy duty shelves or racks to give them some appearance of organization.

Where Do You Put The Decluttered Clutter?

Once you’ve sorted out the things you can live without for a while, you have to decide what to do with them. You have a few options. You can sell them, maybe make a little bit of cash at a resale shop or a garage sale. You can keep them, but in a storage unit somewhere away from your home. You can recycle them. You can donate them. Probably, realistically, you’ll do a few of these things, depending on the clutter.

Whatever you do, don’t keep them in the boxes in your house. That defeats the entire purpose of decluttering. Remember, you want to make your house look huge, not like a tightly packed storage unit. So banish the boxes, clear the clutter, make it go far, far away. You’ll also be mostly ready for your move, should you sell that house quickly because of how clean and shiny it is, so that’s nice.

Remodeling surprises...

Congrats! Your fixer-upper is well on its way to be a fixed-upper now that you have a remodeling plan in place and a way to pay for it. You’re almost certainly imagining how lovely a soak in that new bathroom will be after a long day at work or how many family members you’ll be able to pack into your newly opened-up kitchen and dining area. The one thing you’re not thinking about right now is what could possibly go wrong.

That’s ok. We’re here to toss a little storm cloud over your remodeling plans, or at least bring you down to Earth a bit so you’re not blindsided by things you might have never thought to prepare for when redoing your home.

Surprise! Your Remodel Just Got Weird

When you chose your home, you knew it needed work. That wasn’t really a shocker, even as the list from the home inspector seemed to go on and on forever. But now that you’re about to dig in and tackle those projects, now is really the best time to prepare for as much as you can. The older your house, the more surprises you’ll likely find — time has a way of doing that to homes.

Houses constructed more than about 30 years ago were largely built to whatever code seemed fancy in the moment. It wasn’t until 1997 that the International Code Council published the first edition of the International Building Code, which has been updated and reissued every three years since. Before that, many homes were built professionally, but when it came time to remodel anything there were zero standards to hold anyone to. Basically you can kind of think of your home as a time capsule of the most terrifying variety.

Or, you know, it might be totally straightforward. There’s literally no way to know until you get started. So, are you ready?

A Few Surprises to Watch For

No matter how well you think you know your house, you should make sure you’ve got a respirator that can filter both lead paint and asbestos, as well as gloves and work clothing that will protect you from anything before you even think about getting started. These things aren’t a small investment, but if you want to do the work yourself, you need to protect yourself just like a pro would. There are so many things that can jump out and bite you during a remodel, this list contains a few of the most common:

Hidden metal, pipes and wiring. If you’re taking out walls or even taking out tiles with the hopes of replacing them with something more modern, you may discover that your wall interiors are a whole other world. Behind your kitchen’s wet wall, there’s a maze of pipes that snake around to nowhere. Your bathroom has random metal plates just stuck in the wall under some tiles. And, this wire… it goes nowhere. It should go without saying that you should always use tools that have non-conductive handles when you’re working in walls and behind objects that you can’t see through.

Surprise mold and pests. Surprise! You have mold and termites! Wait, that’s a bad thing… hopefully you had a home inspection and a termite inspection that would have found this problem ahead of time, but if you’ve owned your house a few years, pests and mold certainly could have popped up over time. Termites will likely require professional treatment (check the HomeKeepr community for a great pest control pro!), mold is a mixed bag. Some molds are very dangerous for people to breathe, but others are just kind of always in the environment.

At this point, you need to put all the tools away and have a mold test done. While you’re waiting for the results, figure out where the source of moisture that’s keeping this part of your house moist enough to let the various flora and fauna thrive is coming from and repair that problem right away. You may have to adjust your construction budget, but there’s no vessel sink that’s worth ignoring a termite-eaten sill plate.

Dry. Rot. Dry rot comes from similar conditions as mold and pests, but there’s not a pest or mold around. It’s just that your house is sort of rotting. This is not awesome, but it’s an easier fix than some things. Depending on the extent and location, you may want to bring in a structural engineer to assess the amount of repair that’s going to be needed to get your house back into shape.

A really good handyman or general contractor can take it from there. Structural repairs are not really a DIY situation, but if the dry rot is on outside trim pieces or somewhere your engineer doesn’t think is going to influence the way your house functions, go ahead and fix the source of the damage, replace the damaged boards, seal them and get back on track.

Poorly done prior work. This is what you’re hoping to avoid with your current remodel, so take photos as a sad remember that someday, someone else will Instagram your poorly done remodel if you don’t take this seriously. Whatever you uncover, you’ll need to correct it before you move forward. Don’t put good repairs over bad ones, you might as well not bother to remodel your home at all.

Really gross stuff. Homes that have had less than perfect owners or tenants often have less than perfect secrets. Sometimes they verge on the horrific when it comes to the gross out factor. Anything from lively, active pest infestations to evidence of old pest infestations that were completely out of control could be hiding under those layers of wallpaper. It’s alarming what an insect can hide under and still manage to completely disguise itself. (If you find something of this level, you’ll know — call a pest control pro immediately, you do not want to DIY this!)

Really illegal stuff. Sometimes a fixer upper or a repo has had a pretty sketchy history. Illegal activities, especially related to drugs, are not uncommon reasons for someone to lose their home. Most blogs on the topic of surprises in remodels won’t touch on this, but this is a very important consideration if you don’t know anything about the house. The very last thing you want is a needle with an unknown substance and origin falling on you from a drop ceiling you’re taking out piece by piece.

If you find drugs or paraphernalia during your remodel, call your local police department (not 911) for help with proper disposal. Make sure you have all the paperwork with you that proves you just bought the house and make it clear that you want to surrender these things you’ve found during your remodel that are absolutely and in no way related to you. Once it’s all gone, it’s all gone and you can move on like nothing happened. Yet another reason to wear gloves and protective clothing.

Really historical stuff. So as not to send you out on your remodeling adventure on a bad note, let’s talk about something fun you might find. Sometimes, if you’re really lucky, you’ll find some neat historical stuff. You probably won’t see it in an easy to access place, but if you have some built-in cabinets that you’re trying to refinish, for example, make sure you look under and beneath all the drawers. Subfloors might yield coins of unusual age, basements and attics can have all sorts of treasures in them.

These things might not make the Antiques Roadshow, but they’re fun mementos to keep around and they’ll help you tell the story of your home, assuming they’re fit for mixed company.

What stays and what goes in a home sale??

You’ve finally found the home of your dreams. It’s perfect, the price is right, the neighborhood is wonderful (and walkable!) and it has some really awesome appliances. But when you go to your final walk-through, you’re shocked to discover that those awesome appliances have been removed, with absolutely no clue left as to their current whereabouts. Well, that certainly can’t stand! Where are the appliances?

You stop in your tracks. Dead in your tracks. And you utter the words no Realtor ever wants to hear, “I’m not closing.” Your Realtor calmly pulls up the listing information on their phone to check the status of the appliances. Then they have a heart to heart with you about appurtenance.

Appurtenance and Private Property

There are few concepts within the real estate world that bring more tears, screaming and actual legal fights than appurtenance. This is basically a sort of wavy line between where real property (like a house or a piece of land) starts and private property (like a bird feeder or a stove) ends. Because so many homes are shown while occupied, there are usually a lot of things inside that don’t go with the house when it’s sold.

You’d never assume that piano stayed or that the couch was a gimme with the home, those are fairly clear-cut pieces of private property you know not to plan on owning. But there are also things that are a lot hazier. For example, that freestanding range or the neat light over the kitchen bar. These things are less straightforward. After all, every kitchen needs a range, right? And that light fixture, it’s just a light fixture, so whatever — you’ll just replace it with something cheaper when it’s time to move.

That’s not actually how it works, though. Appurtenance means, essentially, that an item belongs to the house. It’s not yours or the new owner’s, but instead it sort of travels with the property. In a very basic example, you could say that a pool and the pool house are appurtenant. They clearly go with the property indefinitely, until they’re destroyed. No question there.

The Appurtenance Litmus Test

A pool is one thing, but that stove, that light fixture, even a satellite dish, these are quite different questions. How do you know when they stay or go? First, you should always check the listing carefully — often your answers are spelled out right there. But if they aren’t, there’s a litmus test you can use to help better understand what “belongs.”

Ask yourself, “Is this item meant to be permanently attached to the house, and if so, will it damage the property if it’s removed?” It’s a two-part question that is always in the same two parts. First, it has to have been attached with the intent of being permanent. Secondly, it has to cause cosmetic or structural damage if it’s taken out.

This means that the freestanding stove, which is only plugged in and pushed between two cabinets, is in no way appurtenant. The light fixture, however, was installed in a permanent fashion, so it is appurtenant. The piano is still completely off-limits.

It’s not that this concept by itself is so difficult to understand on the surface, it’s more that some people have different ideas of what “permanent” and “damage” mean. Let’s look at another example. Say there’s a really cool television mounted above the fireplace in the house you’re interested in buying. You assume it’s appurtenant because it’s attached, right? It’s mounted in the brick, so taking it down would damage the fireplace.

Yet, the seller takes that television when they move, but they kindly leave you the brackets so you can install your own television in the same spot. You scream bloody murder. Your Realtor points out that there’s no damage and the bracket is still attached to the fireplace. In this case, the television itself wasn’t actually appurtenant, but the bracket was.

A Few Tips for Determining What Stays

Buying a house is stressful, and there’s nothing good about making it more stressful by introducing concepts like appurtenance, but it’s also no fun to be blindsided at your final walk-through, either. Even if you’ve never done a single DIY project in your life, these questions should help you figure out if that thing you really hope is staying will actually hang around after closing:

Is it plugged in? Obviously, there are exceptions to this rule, but for the most part, if something’s plugged into the wall, it’s not appurtenant. Garbage disposals break this rule because they are often plugged in, but they’re also permanently attached in other ways, so you can generally assume they’re going to be waiting for you like a puppy dog after a long day at work.

Was the surface material broken to install it? Let’s say the thing you’re now worried about is a satellite dish and it’s installed on the chimney. You can see from the ground that it’s just strapped up there with sturdy plastic straps. Because the method of attachment is considered non-permanent (aka. It doesn’t damage the surface material), that satellite can be removed by the seller. If they leave it, you should seriously think about having one of your HomeKeepr pros attach it more solidly, though.

Is the item required to make the property function? This is a little weirder of a question, unless you’re already thinking about your house as one giant thing made up of lots of little systems. All those little systems have to be in balance to make it work, from the gutters to the soffit vents. Let’s say that your sellers ran off with all the downspouts from the gutter system (this would also be a weird thing to take, but this is a very fictitious example). Although they’re not permanently affixed to the house, they are a part of the gutter system, which is required to keep water from running under your house and into the basement. Those downspouts could be argued to be appurtenant since they’re part of a necessary system.

You can think about this concept in terms of items that belong to your house, if that makes it easier, but you have to keep in mind the intent and damage aspects, too. If you’re going to try to fight a seller for an appurtenant item, however, make sure it’s worth the cost. These battles can literally take years and cost much more than it would to simply replace the item. Sometimes it’s worth the effort, sometimes it’s not. Your agent can give you advice on what to do if your walk-through turns into an alarming episode of cataloging missing pieces.

What to Do After Storm Damage

There’s little worse than waking up in the morning after a big storm, only to discover that your house (and probably a few trees) aren’t exactly in the same condition you left them when you went to bed. You probably even let out an audible groan, since you just know it’s going to be a whole day of making calls and explaining over and over again what’s happened in order to get the right help out to your house.

If you’ve never handled a storm damage claim (or other homeowner claim), you know it can be incredibly intimidating. There are things you can do to help yourself and other things that will seriously hinder you. But, armed with the right information, your claim and clean up will be a (relative) breeze.

What to do Immediately After a Storm

Your first instinct after a storm is probably to start cleaning up and making repairs. It’s a natural next step, there’s no doubt about it. But, the problem with this is that if you start to clear the problem away, it’s going to be very difficult for your insurance adjuster to figure out what actually happened in the night. Here are some dos and don’ts for the hours to days after a storm:

Do take lots of photos of the damage as soon as possible. Anything can happen between the time when you realize you have damage and when the adjuster shows up. So document, document, document. Get lots of photos from lots of angles so they can put together a complete picture of the situation. Every detail helps.

Don’t remove anything that isn’t going to contribute more damage to the house. If there’s a tree on your roof and it’s poking through the attic, you’re going to have to clear some of that away. If there’s a tree on your roof, but it’s small and just sort of lying there, it’s probably not hurting anything. The same goes for any sort of debris that might be hanging around. Don’t touch anything you don’t have to.

Do stabilize serious problems like leaking roofs. The tree that’s punched into the attic is a big deal. You’re going to have to act on this to prevent further damage. Either call one of your HomeKeepr home pros or grab the chainsaw and clear it carefully from the roof. Then cover the hole with a tarp or take other temporary measures. The key here is temporary. You should not attempt to fix this permanently now. Again, the insurance adjuster needs to look at it first.

Don’t hire any roofers or other repair companies that are canvassing your neighborhood. If your whole neighborhood was hit by high winds or other severe weather, expect to be almost immediately mobbed by canvassing roofers and handymen. It’s not that they’re terrible people, but you need to know what your insurance is prepared to cover before you hire anyone. You generally have the option to choose your own repair people, within a reasonable price range, so do collect all the cards they bring by.

Once the Insurance Adjuster Arrives

When the adjuster lands at your house, be kind. Remember that they’re probably severely overworked at the moment, since your whole town was ravaged by the same storm. They do want you to get back to normal as soon as possible, but they’re just not physically able to help everyone at once. It’s no fun to suffer a storm gladly, but patience is a virtue.

They’ll take a look at the damage, possibly bring in a home pro to do a more detailed evaluation and then you’ll wait some more. Make sure that you show them everything you have while they’re at your doorstep, from the photos you took right after the storm to the measures you had to take to stabilize the damage. The more complete the details, the easier it is for them to figure out how much it’s going to cost to fix your house.

Get their phone number, just in case you have anything else to send them. An email might also be appropriate. Staying in touch at this point is going to be vital, since there could be things you’ll need to do to keep the process moving along. This might include meeting home repair experts at your home to provide quotes, sending those quotes over to the adjuster and so forth.

A Few Things That Can Go Wrong

Dealing with storm damage is stressful. There’s just something intrinsically awful about being so inconvenienced by random acts of nature, but chances are good that you’ll have to go through it once or twice. Depending on where you live, however, it can become a much bigger problem than just a basic hassle. Your insurance may not cover your damage because you weren’t carrying the right type of coverage. This is a good place for a dramatic gasp.

If you’ve not had a storm yet, you’re going to want to check your policies to see if the following items are included or if you have a separate policy or rider to cover them:

Sewage backups. Yes, it’s true that your basic homeowner’s policy probably won’t cover a sewage backup, even if it’s caused by surging storm drain water. Not only is this about the worst thing to clean up ever, it can be costly if you have a finished basement or other area that would need to be completely gutted in order to repair.

Flooding. Most flood insurance policies are issued through FEMA via the National Flood Insurance Program. The cost is relatively minimal, but because so many people assume they’re covered against floods under their homeowner’s, they don’t bother to look into this at all. The odds are good that your basic homeowner’s policy is not going to cover any water that seeps in from outside, though. You should call your agent to verify this information, but certainly don’t blindly trust you’re good to go.

Wind damage. In states where the wind comes sweepin’ down the plains (or where hurricanes are common), you may not have enough wind coverage with just a basic insurance policy. Often, there are serious restrictions on how much your policy will pay (usually as a percentage of the policy, not the actual cost of damage) and on what kind of damage it’ll pay it. Make sure you’ve got wind damage coverage that will pay out enough if you ever had to use it.

Vehicle damage. If a tree falls on your car during a windstorm and no one is around to see it, is it covered by your homeowner’s insurance? No. Not usually, anyway. That would be a job for your car insurance, so make sure it’s ample if you’re in a storm-heavy area. The only cases where you could pretty much count on the car being covered by your homeowner’s is if the car were inside the garage and then the garage fell on it. Even then there may be some limits.

April Steve & Jack's Home News

Happy Spring...I think. This past weekend just wasn't even funny. With people on spring break and spring officially here (at least on the calendar), getting dumped on this weekend was not how we wanted to start spring.

We hope, if you are going on spring break that you are going somewhere warm and sunny and bring some back with you to get us firmly into spring. We are headed to Brigid's parents' place in St. Pete for a few days with the girls and that will be a welcome respite.

Our BIG news is that Jack and Mary Anne have sold their house!! After almost 40-years there, they finally decided they didn't need the space or upkeep and are building a ranch home in Fishers just down the street from Michelle. We sold it to a family who attends St. Pius X Church where Jack and Mary Anne attend before it even went on the market. This is a nice family and Jack and Mary Anne feel very comfortable with them buying the house. This is all very bittersweet. Selling the family homestead after all of these years is hard, but it was the right decision, no question. There are so many memories we have had in that house. So many memories... It certainly makes a real estate agent even more empathetic toward selling his clients' houses after so many years. While not having emotional involvement is certainly a very good thing, having empathy is so important. This underscores that, to be sure.

Mary Anne continues to recover very well from her knee replacement surgery and is walking without any assistance or pain. She still has more recovery to go, but is well on the downhill.

Brigid has been traveling a lot more with her job and position as Region Analyst. She is working very hard, but really enjoys the challenge and working with all of the managers. Ana is continuing to work on her music with some huge Indianapolis Children's Choir concerts behind her. Her Night in Rome concert was absolutely stunning. She continues to practice her music for her 3-week trip to Europe this summer and has finally learned all 17 songs. Tali has just one meet left of her gymnastics' season. She placed 1st on floor, 2nd on bars, and 6th on vault and 5th All-Around at her State meet last weekend, which qualifies her for Nationals. We are very proud of her accomplishments and look forward to another great season next year.

**One of Steve's friends and clients is directing a play at The Attic Theater at the Elwood Opera House. We are one of the sponsors and have 4 FREE tickets to give away to one of the shows on April 4-7. See the link for more information.
The first two people to contact us about these tickets and mentions 'Our Town' will win a pair of tickets to a show of your choosing.

We are sending out again a limited number of printed newsletters each month. If you would like to receive one, please let us know and we would be happy to add you to the snail mail list.

The real estate market is white hot right now! We are seeing record-low inventory and lots of buyers. See below stats for February 2018 vs. February 2017:

New Listings-2,850 units-DOWN 8.7%
Pending Sales-2,519 units-DOWN 1.2%
Closed Sales-2,146 units-UP 8.2%
Median Sales Price-$167,500-UP 10.2%
Average Sales Price-$196,729-UP 4.7%
Percent of Original List Price Received at Sale-95.2%-UP 1.3%
Total Active Listings Available at Month-End-6,845-DOWN 19.4%
Months Supply of Inventory-2.2 months-DOWN 24.1%

Prices are up and inventory is at record lows. If you are even THINKING of selling your home, please call us so we can consult with you and provide you with your options.

Finally, we are hosting a Recycle/Shred Day at our office at 11550 N. Meridian Street, Carmel, IN 46032 on April 28th. We will accept just about anything, so if you have anything you wish to recycle or shred, please stop by. It is absolutely FREE!!

Our newest team member Julia is doing absolutely fantastic!!! We are so happy to have her helping our clients. We hope you will meet her soon. She usually attends our Happy Hours, so please stop by to say hello at our next one on Wednesday, April 18th from 5-6:30PM at Matt The Miller's in Carmel. We had a fun group last week and hope you can join us in April.

Check out our April newsletter here

Check out our real estate app here

Check out our list of coupons and discounts to save you money every day here

Watch a cool and short video of this month's real estate market update here

Thinking about building a home? Check this link out first with some cool videos we upload monthly on how the process works with Steve interviewing local builders.

Your friends in real estate,
Steve, Jack, Kylie, & Julia

P.S. Please don't keep us a secret

Improving Your Home's Appeal...

When you’re thinking about selling your home, it’s easy to get overwhelmed with the details. Should you paint the front door? How about changing out that fixture in the dining room? Do you need to redo the floors or will a good deep cleaning be enough? So many questions, so many tasks that you suddenly feel are each the most important thing that must be done right away.

Anyone who has ever staged a home for sale, however, will tell you that the number one thing that you should do to get your home ready — before you start tearing out carpet or painting doors — is to make it feel light, bright and airy.

Buyers Are Always Looking for More Light

We’re creatures of the woods and savannahs, there’s an animal part of every person that wants more light, more light. It’s the same reason that people suffer from things like seasonal affective disorder: we need more light in our lives. Light also makes your home feel bigger when compared to other houses with the same basic square footage, so it’s sort of a win-win here.

Too many sellers overlook this simple notion, instead opting to choose trendy colors to try to appeal to buyers. They paint their dining rooms a dark scarlet, or choose lighting that isn’t nearly bright enough, creating a home that’s more cave-like than house-like. These same sellers wonder why they can’t find a buyer for their enclave, as potential after potential comes in for a look and immediately runs for the door.

But you’re not one of these sellers. You’ve come to the right place for some tips to make your home more appealing by bringing in more light, both real and artificial. These simple tricks can make a huge difference to your home’s first impression.

Let’s Let in the Light!

There are three kinds of light you need to be aware of when you’re looking to brighten your home: the natural light that comes from windows, doors and skylights, the artificial light that comes from your light fixtures and that light that’s bouncing off the walls and around the room.

Natural light is simple to harness, just:

* Clean your windows until they sparkle. Even those fine layers of dust and dirt can block light transmission, making your home feel dark and dreary.
* Remove heavy drapes. If you must have curtains, opt for sheers or lace panels. Sheers will still set off the windows like a heavy drape, but let most of the light from outside come inside.
* Leave every window blind open once your house is on the market. This is a huge mistake a lot of sellers make. Instead of leaving their windows open so that the first thing a potential buyer sees when they walk through the door is a bright and beautiful home, they close the blinds for fear that people will look into their home since it’s for sale.

Artificial light isn’t too tough to get a handle on when you:

* Clean the globes on all your light fixtures. The glass globes on ceiling lights and those glass shades on your ceiling fans can be run through the dishwasher on the top rack. They’ll come out clean as a whistle and able to let more light pass through.
* Replace dim bulbs with much brighter ones. You’ll be surprised how much different your living room looks when you replace the four 40 watt bulbs in your ceiling fan with four 75 watt bulbs. You can certainly overdo this, but it’s hard in rooms of any substantial size.
* Choose blue. Replacing those orange-tinted light bulbs with full spectrum bulbs may seem like a pointless hassle, but this small modification will make your interior feel like it’s full of more of the natural light that’s coming in through the windows. More natural light is almost always better.
* Consider the room size. There are times that choosing the brightest bulb in the box is the wrong way to go. Rooms that are small or narrow, like bathrooms, may be better served with slightly less lighting. You’ll have to use your judgement on that, but keep in mind that no one wants to walk into a small space and be blinded by the artificial light inside.

Light that’s bouncing around the room needs to keep bouncing, so:

* Choose brighter colors to reflect more of the ultraviolet spectrum. The more white involved, the more light it reflects, which then bounces off the other light colored walls, making the room seem big and airy. Stark white is not a great choice, it often makes a home feel too institutional, but a buttercream, barely gray or other almost-not-tinted color can really brighten up a room and get that light moving.
* Minimize dark design elements. It’s not just the walls that can absorb too much of the light in your home, making it feel like an underground bunker. The floors, ceilings and even the furniture in the room all affect how much light is moving around. Again, you don’t want to go totally white, but if you have a dark floor or your ceiling could stand to be painted, definitely make an effort there. Ceilings should be flat white for best results.
* Use mirrors strategically. Mirrors were way overdone in the 1980s and have kind of fallen out of favor since. It’s unfortunate, since they’re a great way to help direct light exactly where it’s needed. When you’re confronted with a dark room that seems to have no good solutions for light, try adding a mirror. For example, a mirrored closet door in a small bedroom with a single window can have a huge impact on the room, plus it’s a handy accessory.

How to Start to Find A Home...

Buying a house is a confusing process. Not only is there a lot of material to process, you really have to do a lot of introspection to find the house that’s right for you and your family. It’s about more than just ceiling treatments and square footage, there’s something else, too.

Irish poet Thomas Moore may have captured that little bit of something else best when he penned these lines:

Sometimes, the spirit of a place is so strong, you may think you see its face and glimpse it gamboling over a field or peeking out of a forest. This spirit we sense in each locality would once have been described as the scintilla or spark of its soul, the pearl in the oyster. It accounts for the magic of a region, and, without it, an acute sense of place dissipates into a vague and lazy feeling of nowhere.

Maybe you’ve not started your home search yet, so you’ve yet to experience this strange phenomenon, or maybe you’ve just seen a few homes and they just didn’t strike you. Either way, it’s important to take stock of what it is that really moves you so that you can narrow your list of prospective homes and get the perfect fit sooner rather than later.

Home Is Where the Investment Is?

Home buyers should never think of their primary home as an investment first, but you should keep in mind that you might need to sell one day. Because of that, you need to think a little bit like an investor and a little bit like a love-struck teenager. It’s ok to be both. Before you step foot into a single house, figure out where you need to buy.

If you live in a large metro area, this may mean narrowing to within a few suburbs or choosing some urban neighborhoods that you really feel drawn to (and are holding their value). Some people go one step further and narrow by schools, especially if they have children. Even people without kids can benefit from the extra value good schools bring to the immediate neighborhoods surrounding them, though.

Now that you’ve narrowed the initial list, you can create a checklist to help you decide what it is that you want in a house so you don’t waste time with homes where you’ll never feel the spirit of the place.

Your Home Buying Scorecard

This exercise is meant to help focus your home search, but you should also realize that it’s highly unlikely you’ll be able to get everything you want out of one house without an incredible budget or very low standards. To the scorecard!

When shopping for a home, it’s useful to start your search online for houses in your price range to see what sort of features they usually have. For example, if a $250k house in your area tends to have a fireplace or a ceiling treatment or a two car garage, you know you can reasonably expect that. You’ll probably also realize about 20 houses in that your expectation of acreage or a private movie theater is a little out of reach.

Grab your tablet or a piece of paper (if you’re into that sort of thing) and draw four columns. Label them like this: Definitely Need, Want, Can Live Without and Definitely Don’t Want. If you have a spouse or other person you’re buying with, make sure they make their own scorecard — no sharing answers, please.

Now for the really hard part. You need to fill those columns in.

This isn’t an exercise that you should finish in five minutes or ten minutes. You should spend a good week or two really working on it. Think deeply and about the long term. A few questions you may want to ask yourself include:

* Do I intend to age in place? In this case, you might want to put stairs in your “don’t want” column, since it can be difficult to navigate them as you age.
* Am I planning to start a family? You’ll want a bigger house, make sure there are enough bedrooms for all your future kids.
* Is there a style of house I’m attracted to? Open floor plans are big right now, but they’re not for everybody. If you hate them, write it down!
* Would I use a fireplace if I had one? Fireplaces can be nice, but they can also be huge pains to maintain and keep safe. If you won’t be using it, you might as well not pay extra for a house that features one.
* Do I plan to have pets? Hard surfaces are a must for pet owners. Carpet is cleanable, but it will never hold up like a tile, hardwood or laminate floor when pets are involved.
* How close can I tolerate my neighbors? For many people, it’s no big deal to be piled on top of the next house, but for others it gets downright uncomfortable. If you need room to roam, a cul-de-sac lot or other irregularly shaped lot may give you some elbow room without the added expense and upkeep of buying an acreage.

As you start to take inventory of your actual wants and needs, you’ll also be eliminating huge swaths of houses in single blows. This makes your home search a lot easier, believe it or not. Don’t narrow so much that only that house at 123 Marigold Lane will do, but do spend some time really thinking about your perfect home.

When your scorecard feels pretty complete, make sure to compare notes with your spouse (wait until they’re done, of course). You may have some compromising to do, especially if you’re dead set on a house with a pool and they want a small yard with nothing in it. With all of the details decided, you can finally call your Realtor and declare that you know what you want! They’ll appreciate the effort you’ve taken to doing the homework ahead of time.

How to Pay for Unexpected Repairs

It was a dark and stormy night. The lights flickered once, twice and then BOOM! Everything went dark. As it turns out, it’s because a tree fell on your house and pulled down the weatherhead and, accordingly, the main power feed to your home.

That’s gonna hurt, right in the pocketbook. Although your insurance will almost certainly cover some of the cost, you’re still going to have to come up with the deductible and other related expenses (like meals) until it’s sorted. How’s that rainy day fund?

If it’s not awesome, you’re not alone. According to the Federal Reserve’s most recent “Report on the Economic Well-Being of US Households,” 44 percent of Americans can’t cover a $400 emergency without borrowing from elsewhere. While that’s a serious problem for the economy, we’re talking about you right now. One problem at a time.

Show Me The Money! Sources to Check for Emergency Funds

You’ve exhausted your couch cushions, checked all the pay phones for quarters (what’s a pay phone? Nevermind!), done some odd jobs for the neighbors and you’re still nowhere near having the cash to fix the gaping non-electrified hole in your life. This is getting unbearable and your boss is about to send you outside to give you a garden hose shower.

Something has to be done! But what? You can’t get blood from a stone, as they say. But sometimes you can get money from, you know, people. As it turns out, there are procedures in place for loans and grants that can help you rebuild and save you from the cold, icy experience of being sprayed down like livestock.

Loans are the Most Likely Source of Funding

Look, this isn’t going to be pretty, but it will get you by. You’re probably going to have to borrow from someone, somewhere. There are several different sources that will provide you with funds to help with problems like major home repairs, these are listed below in order from overall best option to the least. But even the least among these options is better than nothing.

Home equity loans. There are two types of home equity loans available, the original home equity loan and a loan that’s more like a credit line, called a HELOC. Both have fairly good interest rates as of the writing of this blog, assuming you have decent credit, and can be secured pretty easily. The one caveat is that you generally can’t tap more than 80 percent of your home’s total equity, so if your mortgage is already taking up 75 percent of that, you may not have enough equity left to fix the weatherhead. Your home will act as security for the home equity loan, just like with your mortgage, so make sure you can cover it every month.

If you can get a home equity loan of either type, they’ll have the longest terms and thus the smallest payments. As long as yours doesn’t have a prepayment penalty, you can always pay extra, but you’ll never be in a position where you’re scrambling to find the money to make a stretch payment. Talk to your credit union or the bank where you have your checking account or mortgage to get started with one of these loans.

Personal loans. Personal loans can be difficult to qualify for because there’s not generally any security involved, but if you can get one, they’ll do in a pinch. Since there isn’t any collateral, they process much faster than a home equity loan, getting that power turned back on faster. The downside is that you’re likely going to be paying a much higher rate than you would with a secured form of credit and the term will be much shorter, but you also don’t risk losing your home if you miss a payment.

401(k) loan. Oh ye of little faith, you thought that 401(k) was never going to do anything for you, didn’t you? Today it’s going to prove you wrong. Depending on how much of your funds are vested and how your specific 401(k) is set up, you can likely either take a loan out against your retirement fund or take a tax-free withdrawal based on a hardship exemption (consult with your financial advisor first).

Now, keep in mind that doing this means that you’re literally stealing from your future in order to have cold beer in the fridge. But, sometimes you have to do what you have to do. Make it up later by increasing your contribution by a percent or two, then maybe you won’t be sitting around eating pork and beans from a can when you’re in your 70s while reminding yourself that it was really important that you caught “American Idol” the week after the big storm.

Borrowing from family. Hey, don’t skip this one. Read all the way through. It’s no fun to ask family for money, but sometimes, you’re caught between a rock and hard spot. Or your bacon pops out of the frying pan into the fire. Or something. When things are rough, sometimes you have to go back to your people and grovel. You can probably think of a long list of cons for this one, but the pros include having someone who probably won’t foreclose and also your family member gets some interest, so that’s nice for them.

If you do borrow from family or friends who are like family, make sure to draw up a formal loan agreement. You can find something pretty basic online, you just need to make sure it includes the payment amount, the payment due date, the number of payments, the interest rate and the total amount borrowed so that everyone’s covered. Even though your parents would never sue you for the amount due, that loan’s a little more real when the pen goes to paper.

What About Free Grant Money That’s Free?

There are some grant programs out there, but they are very few and far between. Primarily, they go to people who are elderly, very impoverished and live in rural areas, but if there’s a grant program in your area, apply. It can’t hurt anything.

The biggest downside to grant money for a repair like yours is that they’re rarely in any hurry to get things done. Grants can be achingly slow, even if you’re approved right away. You probably can’t afford that kind of time investment. Just because it’s free doesn’t mean it’s not going to cost you a fortune.

One Last Stab: Service Provider Credit

Contractors across the country are stepping up their games and partnering with financial institutions to be able to offer you credit programs to help pay for those big and unexpected expenses. Just like doctors and veterinarians have teamed with Care Credit, there are specific partners for roofers, electricians and their kin. Not every contractor is taking advantage of these programs, nor does every construction expert have the staff or interest to even look into them, but it’s worth asking about.

A simple, “Hey, do you have any sort of credit program available?” can help you determine if you have to start selling excess organs on the black market to get the lights turned back on (don’t actually do that #NotADoctor). You might try calling a few different providers to see if you can find someone with a lender in place if you’re kind of out of options. You will very likely pay more for the service itself, since a contractor at that level will have more staff to pay, more overhead to cover and so forth, but it’s a trade-off. You pay for the additional customer support and you get back to life as you knew it before that dark and stormy night.

Look at Your Home through A Buyer's Eyes...

Selling your home is one of the most tricky parts of owning a home, really. There are always little projects that you meant to get to and didn’t, and things that probably weren’t perfect, but didn’t bother you enough to fix. You can’t possibly do everything to make your house like new before putting it on the market, but there’s a minimum level that most buyers will expect.

How many of those things left on your “to do” list absolutely need to become “to dones?”

Getting Ready to Sell that Home Sweet Home

Before you get too serious about selling, it’s a good idea to have your Realtor over for a quick walkthrough. They can give you a punch list of items they think should be updated, fixed or addressed in some other way before you sell your home. You never know when the right buyer will walk through the door, your house needs to be ready to go from the moment you put it on the market. Putting your best foot forward is key to sales success.

That doesn’t mean you need to completely gut and remodel your home, but you should make sure everything is in proper working order and ready for a new occupant. That can be a lot to wrap your head around, though. If you get overwhelmed, start with the list below.

Entry / Living Room

For most homes, the living room and foyer are a combo unit, but if yours are separate understand that this same advice applies to both. The moment that door opens, and even before it does, your potential buyers are forming an opinion of your home. What the open door reveals had better pack a punch (or at least not terrify them).

Make sure that the windows are very clean to let in as much light as possible, that all your light bulbs are in good working order, the flooring is clean and in good shape, any tile grout is intact and the walls are flawless. A neutral color is always a good idea, but white is kind of a turn-off for a lot of buyers. Blues, light grays, beige and creams are all good choices for paint colors.

Dining Room

Your dining room should follow the same advice as your living room, with one exception. Since there’s probably some amount of eating that happens in this part of the house, you’ll want to check the flooring to ensure there’s no staining or spots under the table.

This is a particular problem if there’s carpet. Do not attempt to cover spots with a rug, this could be considered a “hidden, latent defect.” Basically, it means that you’re hiding damage from a potential buyer. That’s a big fat no go.

Instead, call a professional carpet cleaner (you can meet one in the HomeKeepr community!) or just own it and try not to panic if the buyer asks for the carpet to be replaced or cleaned before closing.

Kitchen

The list of things in your kitchen can be long, but we’ll try to make it reasonable. Check all the items on this list, one at a time:

Appliances that stay with the home
• Are they fully functional?
• Do they have an attractive appearance?
• Do they match one another?
• Are they clean?

Kitchen sink area:
• Is the sink free of damage?
• Does it drain well?
• Does the disposal work?
• Does the sprayer work?
• Is the faucet leaking?

Counters, backsplash and cabinets:
• Do the counters have worn or burned spots?
• Are there grouted areas that are needing regrouted?
• Do the cabinet doors open and close properly?
• Is there water damage anywhere?
• Is everything clean and not tacky to touch?
• Do the cabinets have worn finish?

Bedrooms

Bedrooms are by far the hardest, especially if you have kids. If you’re going to have to live in the house until you find a buyer, invest in some storage systems — they’ll pay off in the long run. Organize everything as best you can to give the rooms the appearance of more space, clean the windows, install the lightbulbs, clean the carpets and instruct everyone to keep it tidy. If anything can be moved out to a storage unit, do it.

Bathrooms

Bathrooms are much like kitchens, they have a lot of wet, moving parts. That being said, they also have basically the same punch list. The only addition would be the shower or tub units. Check the faucets and showerheads for leakage and make sure there’s no mold on your tub or shower surrounds. Clean that stuff within an inch of its life and if you can’t get rid of the stains, recaulk. It’s an easy way to make that tub or shower look like you’ve never even used it.

Garage

There’s not a lot to do in the garage, but do make sure your door opener is functioning properly, that the wheels on the door are lubricated if it’s making a terrible sound when you open it or close it and that you’ve tidied the things inside as best as you can. If you don’t really use your garage, you can dress it up a lot by applying an epoxy coating to the floor. The DIY kits run around $100 and, although they don’t add any value to your home, they’re far more impressive than an old, stained concrete floor.

General Indoors

Overall, it’ll help a lot if you run around your house and make sure that all your lightbulbs are fresh, all the windows are cleaned, you remember to leave the blinds open during the day and that the paint makes each room feel bigger. The key is to bring in more light and then use lighter colors to keep it bouncing around the room. A new coat of white ceiling paint won’t hurt your efforts, either.

Paint is great for a lot of reasons. It can seal in smells you might have never noticed, as well as giving the house the scent of fresh construction. That smell paints a picture for a buyer that says this house has been taken care of and they can trust that it’s in great shape!

General Outdoors

When it comes to the great outdoors, keep your lawn mowed, trim your hedges, clean up any projects that you started and never finished. Landscapers, trash haulers and metal scrappers can help a lot with these tasks. You’ll also want to check out your roof and gutters to make sure they’re in good shape because your potential buyers will be doing the same thing.

The first thing a buyer sees is the view from the street, make sure you run out there during the outdoor prep work to check your look. When you start to wonder if you should actually sell this amazing house at all, you’ve probably got the curb appeal knocked out.

Are you really ready to buy that home?

When that rent check leaves your hand every month (or, more likely, you click the button on the website), you feel a little lighter in the wallet and a bit more empty inside. Every month, that money goes into your landlord’s pocket, pays down their principal, helps them increase their net worth and you get what? A roof over your head that hasn’t been updated since the Reagan administration and neighbors that seem to not realize that while their band is lovely, 2 am is not the time to crank it up to 11.

No, you’ve had it! It’s time to move.

It’s time to buy your own house. You’re ready to have some control over your own living situation. Aren’t you?

Spend Some Time Soul-Searching Before You Pre-Qualify

There are far too many articles out there that discuss homebuying readiness in terms of dollars and cents, neglecting all the other things that are involved in a truly successful homeownership experience. So, we’re going to assume you’re able to qualify for a loan and just skip that part. You’ve read enough of that by now, that’s old news.

Anyone who tells you that buying and owning a house isn’t a deeply emotional experience is someone who has never done it. People become strangely attached to their homes, they experience deep heartbreak when a contract falls through at the last minute, they feel almost rapturous when they finally sign on the dotted line. The first problem their home develops gives them a sick feeling in their gut. There’s a huge emotional and social component to homeownership, but no one ever talks about it.

What even drives us to buy? Two main things: an urge to increase our social standing and a hope to give ourselves some kind of financial security. Theoretically, right? At the end of the day, that’s what it amounts to. In some economies one or both of those may be on pretty shakey ground, but they’re always beneath it all. Before you get there, let’s do a reality check.

Reality Check: Are You Really Ready?

You’re qualified, you’re flush with cash, but you may or may not be really ready to buy a home. After all, these are untested waters for you. It’s not as if no one has gone this way before, plenty have and even lived to tell the tale. But for you to really get off on a good foot, you should dig deep and make sure you have these items in check:

Wanderlust. Think of buying a house a little like getting a tattoo. It’s not a thing that’s easily undone. Even if you just walk away, you have a foreclosure hanging over your head for years and years, your credit’s damaged, you could even owe some balance from the sale of that house (depending on the local laws). If you have wanderlust left in you, get it out now. Go live in Nepal while you can, because once you buy, you’re going to have to live in it for a while. That’s not to say you can’t visit Nepal, but you can’t stay around for months on end once you have a mortgage that has to be paid.

Emotional Maturity. Living in a neighborhood with people you can’t easily move away from also requires a bit of emotional maturity. The guy across the street may drive you nuts because he loves bright, annoying Christmas lights. Don’t punch him in the face, just hang some blinds. In addition, learn to tame your inner worrier. All houses have problems, every single one, even the brand new ones. So when you notice that the air conditioner’s condensation line is backed up, take a deep breath and get to flushing it or call in a pro. In short, don’t panic, there’s a solution to everything.

Career Security. All jokes aside, it’s really very important that your career is fairly secure before you jump into a mortgage that’s 30 years long. If you hate what you do or you’re not really sure you want to do it over the long term, you may not want to commit to a mortgage just yet. Maybe wait until you get that first year under your belt and see if what you learned in class is anything like what the field really is in practice. If you would need to return to school or move out of state to find a new opportunity, it could be very difficult while trying to maintain a mortgage.

Relationship Security. The thing no one wants to say to you is the thing this blog is going to say right now. Is your relationship really sure enough to be buying a house with that person? No, really. This is on the level of having a child with someone, it’s a huge financial commitment and one that could obliterate you for years and years if things soured quickly. Whether you’re married or not, make sure this person is one you can count on for the rest of the term of that loan, as romantic as that notion may be. You’re in this mortgage together, make sure it’s an equal partnership.

These are really important parts of your life to examine before you decide to buy a house. It also helps to be a good saver and a little handy (or at least brave enough to try to fix the small stuff). Not every problem will be one your can handle on your own, but you should at least be able to stabilize your issue so it doesn’t get worse before you call the experts in!