Svetlana Sheinina


Posted by Svetlana Sheinina on 5/21/2019

If you've set a goal of buying your first home within the next year, there are several things you can begin doing now to set the stage for a positive experience.

While it pays to familiarize yourself with everything from your credit score to mortgage options, choosing a good real estate agent will prove to be an invaluable advantage when navigating through the process of buying a home. An experienced, knowledgeable agent will help keep you on track, prepare necessary documents for you, and answer the myriad of questions that will occur to you.

Should you choose the first real estate agent you talk to? People occasionally find a perfect fit right off the bat, but it's often a good idea to interview a couple agents before you make your final decision. Having one or two points of comparison can provide you with a wider perspective of available choices.

Not only would you want to work with a professional who has a successful track record in helping first-time home buyers, but you also want to make sure your personality is compatible with your agent's communication style and energy level. Unless you stumble on the home of your dreams on the first day, you're probably going to be spending a lot of time with them. Most real estate agents do tend to be knowledgeable, resourceful, and service oriented, but your journey will be a lot smoother and more satisfying if you sign on with an agent who's a good match for your individual needs and personality.

One of the most effective ways to prepare yourself for a real estate search is to create lists of things you need to do, have, and schedule. It's also helpful to prioritize what you want in your ideal house. By identifying and reminding yourself of the features that are most important to you, you'll have a greater tendency to recognize what you want when you see it. You'll also find yourself communicating your needs and wants more clearly to your real estate agent. As is the case with any professional or personal relationship, good quality communication usually yields the best possible results.

As a home buyer, there are many property features and priorities you'll want to ponder and discuss with your significant other. In addition to your future home's square footage, bedroom space, and number of bathrooms, you may also be interested in the reputation of school districts, the character of neighborhoods you're considering, and the amount of privacy each property affords.

Another list worth compiling before you get too far into the house hunting process is a personal budget. By seeing how your income stacks up against your monthly expenses, you'll be in a stronger position to determine a realistic price range for your next home.





Posted by Svetlana Sheinina on 5/14/2019

No matter how you look at it, decluttering a home is a big job, yet the rewards are very promising. For some people, however, the challenge is not knowing what to do. Here a few easy ways that you can start getting rid of clutter in your own home.

Your medicine drawer is probably one of the most natural places to begin decluttering. Throw away all expired drugs, skin care products, toiletries and every other thing that you don't use any longer. Keep the most frequently used items directly in front, and at eye level, so you quickly access them next time. 

Now you can move to your bedroom. Look for items that you no longer use, such as bad chargers, pens that no longer write or even old shoelaces. Arrange your bed and fold all articles of clothing strewn about. Go through your cabinets and dressers, one drawer after the other. Take out clothes that you no longer wear and bag them for donation. Tackle your dressing table and go through the items there, some things are probably not going to be used anymore, so you should discard them. The goal decluttering is to make your home as light as possible. 

If you have a reading table, you want to put back your books in their proper places on your bookshelf. Do away with irrelevant papers like old brochures, newsletters, and pamphlets. If you think that you may need some information there, take a picture of it and save it to the cloud.

Having earned some momentum, you can move to your kitchen, which is often harder to declutter as it is the center of so many activities. Thoroughly assess each area of the kitchen and put everything back where it belongs. That includes items like knives, work boards and so on.

Open up your drawers and cabinets and do away with all unusable items. Look for things that you don't use but keep for some sentimental reasons and pack them up to donate if you don't feel comfortable about throwing them out. Keep things that you don't need in storage.

Finally, you are ready to move to the living room. Your living room will probably require more regular decluttering than any other part of your home. Put away things that you don’t need, such as magazines and phone chargers. Assess the electronic and sound system too, store away some of the things you don’t use and donate what you don’t need. If you need ideas on where to donate, run a web search of charities in your locality to find out too for options.





Posted by Svetlana Sheinina on 5/7/2019

One of the most critical aspects of your financial state, when you’re buying a home, is that of your credit score. Credit scores take your entire economic history into account. That means every missed payment, every account opened, and that three-digit number represents every debt you owe. Once you obtain your credit score and assess your finances, if you realize your score needs help, you may feel desperate. The good news is that you’re not helpless. There are plenty of things that you can do to raise your credit score in a short time to increase your chances of getting a better rate on a loan for your home purchase. Read on for some tips on how to improve your credit score.



Keep An Eye On Your Credit Card Balances


One of the most impactful factors on your credit score is how much debt you have. How much debt you have versus how much available credit you have is a significant factor in your score. If you pay your balances in full each month, that’s great. Keep in mind that even if you do pay off your balances that monthly balance amount affects your score as well. Paying off your outstanding credit card balances will have a positive effect on your score.


Remember Some Debt History Is Good


Once you pay off a car or home loan, it can be tempting to want these accounts removed from your credit history. When you’re getting a home loan, the lender wants to know that you’re reliable. If you can show that you have responsibly paid off other loans that can only be a positive thing for you and your credit score. Don’t be so quick to remove old accounts that have been paid off from your report. 


Pay On Time


If you pay your bills on time continuously, it can only bring your score up. If our rating needs help, this could be the most critical thing that you can do to raise your score.


Keep Your Payments Equal Over Time


Keeping your payments equal means that you shouldn’t start charging more than you usually would. You also shouldn’t begin to make lower payments than you have been. Keeping your spending and payments consistent can help you to raise and maintain a good credit score.


If you know you’ll be purchasing a home soon; you should check your credit score. If you’re not close to heading out on the home search, you can pull back a bit. While you always want to maintain good credit health, you shouldn’t be so focused on your credit score that you forget about other things like saving for a downpayment. Know that your credit score is essential in buying a home, but understand that there are many moving parts when it comes to buying a home. 





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Posted by Svetlana Sheinina on 4/30/2019

Although statistics may not be reflective of your individual real-estate buying habits, the "typical" homeowner tends to stay put in their home for around a decade -- give or take.

One of the few "drawbacks" of being a long-term homeowner is that, over time, you tend to forgot many of the details of the home-buying process.

However, an advantage of buying a home in the Internet Age is the availability of instant information on everything from interest rates and real estate agent reviews to house hunting tips and choosing a moving company.

Your Real Estate Journey

Buying a home can be an extremely satisfying experience... or it can be filled with frustration and disappointment. However, by having a basic understanding of how the house-buying process works, you'll be more effective at preparing yourself for what's to come, anticipating what you need to do, and creating a clear picture in your mind of your requirements and ideal living environment. As various thought leaders have said over the years: If you're not clear on what you want, you'll probably end up with something else!

The cornerstones of a successful real estate search are knowing your credit score, having enough money on hand for a sufficient down payment and closing costs, enlisting the help of an experienced real estate agent, and being proactive about meeting with mortgage bankers and shopping for a competitive interest rate (and terms).

Staying organized, creating priority lists, and continually educating yourself about the nuts and bolts of buying a home will help ensure that your real estate experience will be a positive one. Even though there may be a few bumps and detours along the way, taking the time to be organized and well informed will help you stay on track and produce the type of results you and your family are looking for.

Although it does pay to read articles from credible online sources, you don't have to achieve "expert status" as a house hunter and real estate buyer. If you choose your real estate agent with care, they should be able to provide you with the expertise, advice, and professional guidance you need to clear the hurdles and make it all the way to the finish line!

How does one choose a great real estate agent? The ideal way is to get a referral from a trusted family member, friend, coworker, or neighbor. If someone you trust can attest to the service level and results a particular real estate agent has produced, then chances are good that your experience would be comparable. If more than one person you know recommends a top-notch agent, then that creates a "multiplier effect." In other words, it increases the likelihood that you'll be satisfied with the service and results this agent provides. If you don't know anyone personally who has worked with a great agent, there are well-known websites that post reviews, years of experience, and relevant sales information on licensed real estate agents.





Posted by Svetlana Sheinina on 4/23/2019

If you plan to purchase a house soon, you may want to narrow your home search. In fact, there are many reasons why you should hone your house search, and these include:

1. You can seamlessly navigate the homebuying journey.

The homebuying journey may seem tough to navigate, regardless of whether you're a first-time or experienced property buyer. Thankfully, narrowing a home search enables you to speed up the process of going from homebuyer to homeowner.

Ultimately, a refined home search allows you to focus exclusively on residences in your preferred cities and towns. This will make it simple for you to find houses that fall within your price range, set up home showings to view these residences and proceed accordingly.

It also may be beneficial to craft a list of home must-haves and wants before you conduct a house search. With homebuying criteria at your disposal, you can further accelerate the homebuying journey.

2. You can act quickly to acquire your dream house.

As a homebuyer, you must be ready to pounce at the opportunity to purchase your dream house. Because if you hesitate during the homebuying journey, you may miss out on the chance to buy your ideal residence.

If you narrow your home search, you may be better equipped than other homebuyers to act quickly to submit an offer to purchase a great house at an affordable price. And if your offer to purchase is accepted, you then can move one step closer to acquiring your dream home.

3. You can avoid wasting time and resources.

When it comes to finding a home, it generally is a good idea to plan ahead as much as possible. That way, you can avoid the risk of wasting time and resources throughout the homebuying journey.

With a refined home search, you can increase the likelihood of maximizing your time and resources. A refined home search ensures you can focus solely on residences that you are sure to enjoy and avoid houses that are unlikely to match your expectations. Then, you can find your ideal home and transform your homeownership dream into a reality.

As you get ready to start a house search, you may want to collaborate with a real estate agent. By hiring a real estate agent, you can receive plenty of support as you evaluate residences.

A real estate agent understands what it takes to find a house in any city or town. He or she will learn about you and your homebuying goals and offer personalized home search tips. Plus, a real estate agent will set up home showings and keep you up to date about open house events. Perhaps most important, a real estate agent will respond to your homebuying concerns and questions and ensure you can make informed decisions at each stage of the homebuying journey.

Take the guesswork out of finding the right house at the right price – hire a real estate agent, and you can receive expert assistance as you search for your ideal residence.







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