State Fair Fashion…or…Things that make you go hmmm…

I have been spending a fair amount (“fair” get it?) at the Indiana State Fair in the Homes for Heros booth with the team from Inlanta Mortgage and I have seen way more boobs and butt cracks than anyone should be subjected to!  Just a few tips to follow when going to a FAMILY event in warm weather…

1.  Wear clothes that fit, but breathe and move…maxi dresses can be a great option, but please, buy a size that fits which means ladies, that it should completely cover your breast and be loose enough that it is not vacuum sucked to your body.

2.  Men, PULL UP YOUR PANTS!  I have no desire to see your underwear or worse!  Hasn’t anyone every told you that women would prefer to see a fitted pair of jeans on a male backside?  My favorite are the guys who literally have to hold their pants up with one hand while they are walking because they are so far down…what if they needed to run?  Look up the origin of this style…bet you pull them up after that!

3.  Leave the rubber flip-flops at home, these aren’t really shoes.  Let’s face it, you are at a state fair, looking at the world’s biggest pig, he’s not going to be impressed with your shoes!  I am the shoe queen, if i’m going to be out walking around, I wear good, solid shoes, but if I’m standing around a booth, usually wearing something cute with a heel!

4.  If you are wearing a long top, make sure your shorts are longer than your top…I have seen several that looked like there was nothing underneath…maybe their wasn’t, but I don’t want to know.

5.  Pay attention to what your T-shirt slogan says…this is a family event and some of you are nasty!

6.  Ladies, tiny T-shirts and short short short shorts are not appropriate, I don’t like seeing cheeks hanging out and I’m sure the parents there with their small children don’t like having to explain why you have no respect for yourself.

Okay…those are my tips…and my rant for today!  I hope everyone enjoys the fair!  Oh…and for those needing a little guidance, What Not To Wear returns on TLC, Friday night at 10 for their final season…

WNTW

Vicki Reed

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Something to think about BEFORE you put your home on the market…

Whether you are thinking of up-sizing or down-sizing, have you thought about how you are going to pay for your next home?  For most of us, financing is necessary, but will you qualify for that next home?  BEFORE you decide to list your home, please, please get pre-qualified for your next one!

Lesson Learned…

Home was listed for sale at the beginning of September, Buyer made an offer on December 2, a little back and forth and they were under contract on December 5 with a close date of February 1.  As part of the Buyer due diligence, they had a home inspection by Iron Gate Inspection Services, Buyer’s Agent provided Inspection Response to the Seller‘s Agent and Seller quickly agreed to fix everything on inspection response.

Fast forward to January 18, 2 weeks before closing, Buyer receives a letter from an Attorney retained by Seller, that Seller is unable to secure a mortgage and Seller no longer wishes to sell their home and asked that Buyer give them “good title” and walk away.

Buyer retained an Attorney and by January 22, Seller was told they must close on the sale of their home on February 1 as agreed to in the contract.

What would you have done?  In this case, the Buyer was my client and we won and she will be moving into her new home this weekend, BUT, I also represent Sellers and this has changed MY listing presentation and I will be asking my Sellers to pre-qualify PRIOR to their home going on the market.  My goal is to Turn your Dreams into an Address…but I can’t do that without your due diligence, know your status before making a decision to sell, you don’t want to go from owning to renting.  The Shanley Team at Inlanta Mortgage is ready and willing to work through this with you and I’ve made it easy for you with a link on my home page (as well as in the right hand column of this blog post) directly to their application.  Also check out my post “Power of the Pre-Qual“…it’s not just for Buyer’s anymore!

Not sure of the current value of your home?  Visit my website and request a Current Market Analysis of your home’s value and let’s talk!

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Vicki Reed

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!

homes-for-sale

Vicki Reed