Exactly How Important Is Your Credit Score?

There is a wide selection of top-quality homes to choose from throughout Chester County and Northern Delaware. If you're interested in looking at all the current homes that are listed, GO HERE to perform a Full Home Search, or if you're considering putting your home on the market, CLICK HERE to obtain a Free Home Value Report. For any other questions you have regarding Chester County Real Estate or the value of your home, please feel free to call me at (610) 427-4420.

Unfortunately, your credit score now plays a major role in your real estate transaction. Your score can even affect your insurance premiums for homeowner's insurance.

I don't want to scare you off, but I also don't want you to think that your credit score needs to be sparkling in order to qualify for a loan. You don't have to be in the high 700's, in fact, you can qualify if you have a score in the mid-600's.

You need to keep in mind that as your credit score drops, your interest rate will go up, as well as other fees you may have to pay. This is why your credit score impacts the cost of your mortgage.

The good news is that it's not too difficult to repair your credit. I can refer you to people who can help you repair your credit and boost your affordability. 

Please don't hesitate to contact me!

How Do We Know it’s a Good Time to Buy?

There is a wide selection of top-quality homes to choose from throughout Chester County and Northern Delaware. If you're interested in looking at all the current homes that are listed, GO HERE to perform a Full Home Search, or if you're considering putting your home on the market, CLICK HERE to obtain a Free Home Value Report. For any other questions you have regarding Chester County Real Estate or the value of your home, please feel free to call me at (610) 427-4420.

I am often asked by clients if it’s a good time to buy a home. The thing is, there are two important facts about home selling that you need to understand first: 

1. You can’t time the market

2. There is never a bad time to buy the right home at the right price

When you try to time the market, it never works. We don’t know we’ve hit the bottom of the market in terms of pricing until prices start to go up, then we’ve missed it. The same goes for the peak of the market. We don’t know prices are going to come down, we can only react to it when they do. Timing the market is not the way you want to go about buying a home.

What we really want to do is guide you into that sweet spot. The spot where, if you need to sell in the future, your home will appreciate and have that equity. In the early 2000’s, we saw home prices go up at a rate that was simply not sustainable, and the market eventually crashed. If you look at historical home values, a good, healthy rate of appreciation is right around 2-4%.

Is it a good time to buy a home right now? Absolutely, as long as you don’t overpay. How do you avoid overpaying? You’ve got to work with a great agent. Our buyer team is great at helping you analyze the decision from a financial standpoint. We want you to fall in love with your home, but we also want to take some of that emotion out of the buying process so you can make a good financial decision with one of the biggest investments you will make in your life.

Our goal is to help you get the right home at the right price. If you only get one of those things, you aren’t going to be satisfied. If you’d like to work through the process to so you can buy the right home at the right price, give us a call or send us an email. We look forward to hearing from you!

What Are 5 Different Ways to Style A Room?

There is a wide selection of top-quality homes to choose from throughout Chester County and Northern Delaware. If you're interested in looking at all the current homes that are listed, GO HERE to perform a Full Home Search, or if you're considering putting your home on the market, CLICK HERE to obtain a Free Home Value Report. For any other questions you have regarding Chester County Real Estate or the value of your home, please feel free to call me at (610) 427-4420.

Today I wanted to take a break from talking about the real estate market and the latest numbers to give you some valuable home design advice. Whether you are trying to stage your home for sale, or just want a different feel than the same old room you’ve always had, we’ve got you covered. 

In the video above, from HGTV’s YouTube channel, Brian Patrick Flynn, a very talented interior designer, goes through five different ways to style a room. The furniture never changes, just the accessories around them, and that’s the beauty of interior design. Today we will go through the 5 different ways Brian styles this room, and detail how each of them offers a different feel from the next.

1. Traditional
For a traditional look, add fresh flowers and soft coral accents. Accessorize the room with understated accents, like a stone bust, and keep the color palette soft. 

2. Masculine
To create a more masculine look, utilize bold prints, and different shades of blue. Use only a few large accessories to make a bold statement.

3. Feminine
Adding bright pink, cozy, soft fabrics and curvy accents is the best way to add that feminine touch to your room.

4. Neutral
For a neutral look, adding colors like ivory, beige, and taupe and accessorizing them with patterns in varying sizes and textures will keep this neutral look interesting. 

5. Coastal
Creating a coastal look in your room requires using organic accessories, as well as hints of blue. Instead of the wicker furniture that beach homes are known for, substitute with a wicker lamp to keep the feel of a beach house within the comfort of your living room. 

There you have it, five great, unique ways to style any room in your home. If you have any questions for us, feel free to give us a call or send us an email. We would love to hear from you!