Power in the Pre-Qual…

Is 2013 the year you make the leap to homeownership?  Before you start looking, it is important that you consult with a mortgage professional as soon as possible!  Check out this video by Don Shanley with the Shanley Team at Inlanta Mortgage “What to Expect if you are a First Time Homebuyer” and visit my website to complete the application (click here)…it’s that simple!

Why do I recommend working with Don Shanley and his team of experts?  Simple…they are as Client Service driven as I am.  I had a previous client interested in purchasing a home, they emailed me on SUNDAY morning that they had completed the application, by 2:00 p.m. SUNDAY afternoon, they had been contacted and their situation discussed and they knew exactly what they needed to do to qualify to purchase a home by 2014…that is CLIENT SERVICE.  Click here to be introduced to the team at Inlanta Mortgage.

So back to Pre-Qualifying…this will tell you how much of a loan you can qualify for and the monthly payment amount you are able to afford, this gives you the first number, the second number is how much you want to spend.   Why are these numbers different?  They aren’t for everyone, but reality is that when I bought my home 6 years ago, I qualified for a mortgage of $190,000!  As a single woman, the idea of spending that much on a home meant no vacations, no dinners out, well you get the idea…I decided that I wanted to spend $125,000 and ended up purchasing at $123,000.  The pre-qualification process outlines your finances – your debt, income, employment, and cash available for down payment, among other things. It’s quick and basic.

Working with a Realtor (that would be me!) and with your pre-qualification letter in hand, the advantages are yours once you find the house you want to make your next home.  Your pre-qualification will make your offer look even better to the seller, they don’t have to worry that they are wasting their time, they will know that you are ready to buy their home!

Are you ready?  Just want to see what properties are available?  You can search on my website for homes, just click here to get started!

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Vicki Reed

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Let’s get organized!

Does the idea of organizing your home overwhelm you?  What if you could break down what you need to do over the next 12 months…would you be able to do it then?  MSN Living has broken it down to a great month-by-month plan of simple tips to rid clutter from all aspects of your home, click here to see the entire plan!

January starts off simply enough, clean out your fridge and pantry…something we should do regularly, but often don’t.  As a single woman who spends much of my time on the road, I don’t think about checking the expiration dates on most of my condiments…just today noticed that I have some very out of date pickles in the fridge from a cookout 2 summers ago!  So after all the holiday guests have gone home and you’re through entertaining, throw out half-eaten leftovers, check expiration dates, and if you have foods you don’t plan on enjoying, donate it to a local food pantry.

Want more?  MSN Living also has a link to a Redbook piece, 23 Easy Organizing Ideas for your Entire Life that has a lot of great ideas! Also check out this Worthington Court blog post from last year:  How to Make the Most out of your Small Closet for more ideas.

Considering selling your home in the next 12 – 18 months?  Well organized, clean homes sell faster and for more money than cluttered homes.  Storage is a “top 5” item on Home Buyers “must have” lists, to buyers, a cluttered home doesn’t mean you have too much stuff, it means the home doesn’t have enough storage.  

Not sure what you really need to do to get ready to sell?  Contact me for a free market analysis and home visit to discuss what you need to do to get your home ready.

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Vicki Reed

Do you Entertain?

As a Realtor, many of my clients talk about having an open concept home, looking for a great “entertainment” space, but how many of us really entertain?  I have a great home for entertaining, very open concept with great room and kitchen/dinning to each other, with a fireplace and plenty of room to move around and a large deck facing a wooded area – great for indoor/outdoor parties – but I couldn’t tell you the last time I had a party or just friends over for a casual dinner!

Do you entertain?  I believe we all “intend” to entertain, but most of us find it easier to meet at restaurants, let someone else do the cooking and cleaning!

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Each January, Kate Marvel and her husband, Connie Martin host a party at their home for their clients and friends.  I’ve been going for at least 6 years, it’s a lot of fun!  Kate owns Advantage Financial Group in Indianapolis and this is her “thank you” to her clients and they know how to throw a party!  The food and drink are abundant, much of which Kate prepares herself.  One thing…they do not have an “open concept” home, but the home works for this party!  It’s a lovely, older home with is a kitchen, dining room, living room, den, and sun porch on the main floor as well as a finished basement – there are groups of people in each room and Kate and Connie make the rounds.

So my friends, when you are looking for a new home, do not rule out older homes with a “choppier” floor plan, make sure you are being true to how you really live, not how you think you should live because of HGTV!  Want to start looking for that new home?  Click here to search for properties on my website!

Vicki Reed

 

 

Discover the IFD Museum

Did you even know we had one?  I discovered it in November and had the honor to visit it again yesterday.  Located at 748 Massachusetts Ave., Indianapolis, IN 46204 and is housed in the oldest standing firehouse in Marion County.  The Indianapolis Fire Department Museum is a historical treasure trove for those interested in Indianapolis history as well as a great place to take those little boys and girls interested in dedicating their lives in service.

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In addition to the museum, the IFD Memorial stands on the grounds and consists of five descending columns that spiral out from the front of the firehouse to the centerpiece column. Each column is inscribed with the names of fallen heroes and atop the center column sits a Phoenix, the mythical bird of fire..”Just as it rises from its ashes, so too do the souls of our heroes, drawn upward to heaven.”

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You might be wondering why I’ve had occasion to visit this great museum twice in as many months…well, Keller Williams hosted it’s city wide agent Thanksgiving event there and yesterday…was BOLD!!!!  Business Objective:  Life by Design!  Over seven weeks, BOLD conditions agents with powerful mindset exercises, language techniques, business-building strategies and live lead generation activities.  Click here to learn more about this amazing class and the KW culture!

Vicki Reed

What a way to start the year…

During the wee hours of Sunday morning, at least 2 people (possibly more) took it upon themselves to break into our KW Realty office!  This is not a stand alone building, we are on the second floor of a really nice building at Keystone at the Crossing in Indianapolis!  Ocean Prime is right downstairs and Distinctive Diamonds is in the parking lot!  Our office is really nice – we have Smart TV‘s throughout, shared desktop computers as well as others behind locked doors and the office had just purchased our last Sony Smart TV, 55″ with a webcam…very nice right?

Not much was taken, some cash, a few cameras, an expensive watch…oh and that brand new 55″ Sony Smart TV that was still in the box.  What bothers me the most was the ransacking of the space…every office that was locked was broken in to, chairs were overturned, files scattered, locked cabinets forced open, doors broken, they even took two imported beers from the fridge!  As Realtors, we are in and out of the office all the time, odd hours, odd days, now it feels unsafe.  What a mess!

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My question is…why?  I told my Mom about it and her outraged response was “why couldn’t they just get a job like everyone else?”  I think it is a great question!  Can you imagine our society if those who put so much effort into getting “money for nothing” actually took all that effort and put it into working for a living!  What do you think?  I would love to hear your thoughts.

Vicki Reed

 

Happy New Year!

Happy 2013 everyone!  As I do most every morning, I read Annie’s Mailbox while having my coffee and today’s column had a reprint of the “Golden Rules for Living” by Miriam Hamilton Keare…I think they are a nice follow-up to a my “12 Wishes” posts and a great way to start the year:

“Golden Rules for Living” by Miriam Hamilton Keare

1. If you open it, close it.

2. If you turn it on, turn it off.

3. If you unlock it, lock it up,

4. If you break it, admit it.

5. If you can’t fix it, call in someone who can.

6. If you borrow it, return it.

7. If you value it, take care of it.

8. If you make a mess, clean it up.

9. If you move it, put it back.

10. If it belongs to someone else, get permission to use it.

11. If you don’t know how to operate it, leave it alone.

12. If it’s none of your business, don’t ask questions.

Remember today that the new has come. It’s a new year with new opportunities, and it’s time for you to be the new you. Let this be the year that you break old habits and addictions. Let this be the year that you move forward into a new life…it is what I wish for myself and for you too.  Happy New Year…

Vicki Reed

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