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Posted by New Age Real Estate on 10/18/2019

Not all upscale upgrades have to break the bank. Often times small upscale upgrades can fit in most people's budgets. However, because it is associated with a high end and expensive home they assume it couldn'tí possibly work within the average wallet. Today weíll focus on the details that are small changes but make a drastic difference.

To create a sleek, clutter-free workspace install a built-in soap dispenser. Say goodbye to unsightly plastic bottles with their gunked up tops. Built-in soap dispensers come in many finishes and styles you are sure to find one that matches your existing decor. Hide the neon green soap that clashes with your decor without giving it up altogether.

Peel and stick tile is a great option for two camps. The first is those looking for a quick and easy solution to add color and visual interest. The second is those who want a temporary solution they can easily swap out down the line. You can finally try out the subway tile look without the commitment to, or work of, the trend.

Bring in a fresh look to your kitchen by installing new faucets. Swap out your existing finishes for something updated and new. Alternatively, you can update your faucet with a new updated style. High arc faucets with a pull-down sprayer are a popular option at the moment. Or make a chic statement with a stylish 2 handle bridge faucet.

If your walls and cabinetry are feeling flat and boring adding millwork will make your kitchen feel one-of-a-kind with some old-school class. Measure out the perimeter of your walls, go out your favorite style of molding and get creative. Install millwork along where the walls meet the ceiling, where the walls meet the floor or even along the middle to create a chair rail.

Pick out a bright, new color to add to your kitchen and pick up a couple of cans of paint for a weekend project. Add a pop of color to white walls or if you have a colorful kitchen paint the walls white. Reach for a choice that contrasts with your current decor for the biggest impact. Neutrals make a room feel high end while bold colors can make a stylish statement.

New hardware can update cabinets without tearing them out to start anew. Depending on your flavor of luxury look for either more detailed options or those that are starkly minimalist. Bar handles are very on trend and perfectly encapsulate the minimalist look. For a more classy, detailed option look through Antique shops or on Etsy for vintage sets. And while nothing beats, the real thing there are many vintage-inspired options for those who donít love the thrill of an antique hunt.




Tags: upscale   kitchen   high-end  
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Posted by New Age Real Estate on 10/11/2019

If youíre selling your home it can be frustrating when you arenít receiving any offers. Perhaps youíve heard that itís a sellerís market and that the offers on your house would be flying in. However, itís more complicated than that.

Whether or not your house receives offers is determined by a number of reasons--some that in your control, others that arenít. But, that doesnít mean you have to give up and sell your house at a low price.

In this article, weíll discuss what to do if your house just isnít selling. Weíll talk about some reasons why people may be hesitant to bid, to inquire about a showing, and to seal the deal and purchase your home.

Revisit the comparable properties

If your home has been on the market for a while, itís a good idea to check out the other recent homes in your neighborhood to see how their prices compare to the listing price of your home. Since the market fluctuates, other sellers could be adjusting the cost to reflect the current rates, leaving yours higher than it should be.

When pricing your home, make sure you are comparing your house to those that have actually sold. Using houses that have been on the market for a while as a baseline might mean youíve priced your home too high to sell just like theirs.

Also, make sure you are using houses that share many of the common features that yours does. This can include:

  • Square footage

  • The year the house was built

  • Number of bedrooms and baths

  • The lot size

  • The condition of the home

Remember, it isnít all just about location.

Getting more leads

If people arenít making inquiries about your home, there are a few things you should check up on. First, make sure your listings are updated and accurate. The contact info should be easy to find, and you or your real estate agent should provide multiple means of contact (email, cell phone, text, etc.).

Next, ensure that youíve given enough details about the house. If people are searching for a specific number of rooms but your listing doesnít mention the number of rooms you have, you might be missing out on several inquiries.

Finally, make sure your photos are high resolution and well-lit. You want to make sure visitors to your listing can get a clear idea of what your home looks like. If your photos are small, dark, blurry, or if they make the house look cramped and cluttered, you should retake your photos or consider hiring a photographer.

Getting more offers

If youíve had plenty of inquiries and showings but you arenít getting any offers there may be a deeper, underlying issue that needs to be addressed. Usually, this means your home needs important repairs and upgrades that buyers simply donít want to make.

If your house is priced to be move-in ready but itís not, youíll have to make some upgrades or lower the price.

Not working with an agent

Sellers can also have a difficult time getting offers if they attempt to sell the home themselves without using a real estate agent. If your home is FSBO (For Sale by Owner), youíre missing out on a number of listing services and connections that an agent can provide.





Posted by New Age Real Estate on 10/4/2019

Debt collection calls can be frustrating and a headache. It is quite disappointing to know that you have outstanding debts and the debt collector is offering very stringent conditions in terms of payment options. If you're familiar with the behaviors of debt collectors, then you know they issue threats, use offensive language, and come up with various tactics to scare the debtors. This practice most often only makes things worse and creates unnecessary tension. Here are the seven things to know when dealing with a debt collector: 

1. The Fair Credit Reporting Act

The Credit Reporting Act gives you the rules and restrictions guiding debt collection. Get yourself acquainted with the credit reporting act to know your right as a debtor. 

2. Abusive behavior is illegal

According to the Fair Debt Collection Practices, it is illegal for debt collectors to use abusive language on the debtor. If a debt collector exhibits such behavior, debtors should document all that transpires and report to the Federal Trade Commission. 

3. Negotiate a settlement on your terms alone

It is essential you negotiate the payment plans after you have carefully considered your income and expenses. On this note, payment plans should be based strictly on your terms, not theirs.

4. Beware of scammers

Before starting the negotiation with any debt collector, you should get them to identify themselves with their names, telephone number, company's name, address, and a professional license number if necessary. You are entitled to know these pieces of information by law. 

5. Do not fall into the trap of "Just Pay Something."

Before making any payment, ask the debt collector to send you a written document of proof of your payment. Do not authorize anything over the phone otherwise; you will not have a record for the money paid.

6. Too many calls are against the Law

Aside from the fact that debt collectors are not allowed to use abusive language, they also don't have the right to call you against your instructions. According to the law, a debt collector must stop contacting you as long as you have sent a letter to the appropriate authority, requesting it ends.

7. Collectors do not have the right to inflate what you owe

The debt collector only has the right to charge interest based on what is stipulated by the law or according to your agreement with the original creditor. 

Do not fall prey to unnecessary scare tactics; always take the time to read up on contracts and understand your rights as a debtor.




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Posted by New Age Real Estate on 9/27/2019

If you have hired a realtor to help you sell your home, you have already taken care of a good amount of the job that needs to be done to get the home sold at the right price. There is one important thing that you need to tend to as a seller- thatís getting your home ready to be shown. Once the home is on the market, your realtor will work with you to schedule open houses and times for the home to be shown privately. Whether you only have a few hours or a day or two to prepare for a home showing, there are a few certain areas that you need to tend to in order to help your home appear clean and tidy to impress buyers. 


Sweep Up


It doesnít take very long to sweep down your hardwood and tile floors. After you do this, run over the floors with a mop to remove any stains that may be present on the floor. 


The Dust Rag Is Your Friend


If you have time, you can do a deep clean of your home. It also doesnít take a long time to go over the surfaces of your home with a duster. Getting up the dust will not only make your home smell fresher, but it will appear cleaner as well. 


Make The Beds


Your mother told you for years that you need to make your bed in the mornings. She was right. Beds that have been made look much more presentable and homey than rooms with bedding strewn around. If your bedding is looking less than inviting and you have some time before your showing, you may want to pick up some new bedding. The small details are so important when it comes to selling your home, and making the home look inviting is one of them.       


Clear The Clutter Out


Whether itís piles of clothes on the floor, dirty dishes in the sink, or papers on the counters, clean it up! While you want to give prospective home buyers an idea of what itís like to live in a place, the home doesnít need to look ďlived in.Ē Try and get rid of the personal traces that you leave behind as you prepare to sell your home. As a bonus, you should also make sure the trash is empty and fresh. 


Vacuum The Rugs


Running a vacuum over your rugs can really help to freshen the home. If you have pets, this will help remove the odor that animals leave behind. It will also provide a fresh surface for anyone who is touring your home to walk on. 


Turn On The Lights


When you leave the house for a showing or open house, definitely make sure that all of the shades are open and the lights are on. A bright home is an inviting home.      


 




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Posted by New Age Real Estate on 9/20/2019

Many Americans who purchased their home when they had lower credit, a shorter employment history, and less money stand to gain from refinancing their mortgages. However, most miss out on this opportunity or donít realize it in time to save potentially thousands in interest payments.

According to recent data, 5.2 million Americans could save, on average, $215 per month if they refinanced their loan. But many homeowners are hesitant to refinance.

Whether itís because of the inconvenience, the cost of refinancing, the worries about something going wrong, or uncertainty about whether theyíll actually save money if they go through the process, millions of homeowners are missing out.

So, in this article, weíre going to talk about some reasons it may be a good idea for you to refinance. If youíre one of the millions of Americans with a mortgage who are thinking about refinancing, this post is for you.

Riding the wave of the economy

Interest rates on home loans are historically low right now. As a result, homeowners can save by refinancing simply due to changing tides of the real estate market. Although mortgage rates have increased slightly over the past two years, theyíre still on the low end, so this could be your last chance to save.

To consolidate your debt

Credit cards, auto loans, and other forms of debt can add up quickly. If you have a high-interest rate on your other debts, refinancing could be a good way to consolidate and save.

This can be achieved through a home equity loan or by refinancing with a cash-out option. This means you refinance your mortgage for more than you currently owe and take the remainder in cash to pay off your other debts with high-interest payments.

Typically, you need to have at least 20% equity (or have paid off 20% of your mortgage) to be eligible for this option.

Small percentages count for more now

It was once said that refinancing only made sense if you would receive a lower interest rate of at least 1-2%. However, with the prices of homes increasing over the years, sometimes even a small change, such as .75% is enough to save you substantial money on your repayment.

Youíre able to repay early

One of the best ways to save on a home loan is by refinancing to a shorter term. Going from a 30-year loan to a 15-year loan can save you thousands. There are several calculators available for free online that will enable you to estimate how much you could save by refinancing to a 15-year mortgage.

You got a raise

One of the best times to refinance is when you can be certain that you can afford to pay off your loan sooner. As people progress in their career, it isnít uncommon for them to refinance their loan so that they can spend more each month but save in the long run.

Since you have a higher income, and likely higher credit, you can also refinance a variable rate loan to lock in a lower fixed rate.





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