Thomas Murphy - Pine Shores Real Estate



Posted by Thomas Murphy on 10/14/2018

There are a lot of real estate agents out there to choose from. It might be hard to tell one from another. Thereís so many ways to find an agent these days including recommendations from friends and family to simple online searches. You want an agent that understands your needs from the neighborhoods that youíre looking to buy a home in, to the layout of the market that youíre selling in. Each agent has different specialties from relocation needs to foreign languages to FHA approved property searches. Below, youíll find some tips to help you find the perfect realtor for you. 


Pick Someone Who You Can Have Straight Talk With


Youíll need to like the person you pick as your realtor, but youíll also need someone who you can talk business with. You donít want a family member who you donít feel comfortable knowing your financial picture, or someone who wonít understand your desire for a certain location or neighborhood. 


Match Your Personality


Youíll be in touch with and will be spending a lot of time with your realtor. You want to find a realtor who can work well with you. Match your personality with theirs. Do you like someone who is a bit aggressive? Would you rather have a realtor who is a bit more easy-going? How often do you want to be in touch with your agent? Just remember that if you donít like your agent, thereís a good chance that other people may not like your agent either! 


The Choice Is Yours


Remember that the choice is yours when youíre looking for a realtor. You want to find a realtor who you know youíll work well with. You also want to know that your realtor will work for you. Itís important that your realtor be ethical, communicative, and be a part of your team throughout the process of buying and selling. Hereís some questions that you should ask your realtor in order to help you understand if theyíre a good fit for you:


  • Will I be working with you exclusively?
  • Are you a full or a part-time agent?
  • How much experience do you have?
  • What broker do you work for?
  • Have you closed homes in this neighborhood before?
  • Do you work with any lenders or have a seasoned team to help us through this process?

  • Asking these questions can help you to get a better understanding of who your realtor is and how they can help you to buy your dream home or sell your current property. This way, youíll have a better idea of what to expect throughout the process.





Posted by Thomas Murphy on 10/9/2018



Tags: Untagged  
Categories: Uncategorized  


Posted by Thomas Murphy on 10/7/2018

The home selling journey sometimes can be complicated. Lucky for you, we're here to remove the guesswork commonly associated with selling a house.

Now, let's take a look at three tips to help you enjoy a fast, successful home selling experience.

1. Identify Your Home's Strengths and Weaknesses

You may have taken great care of your house over the years, and now, your hard work is about to pay off. In fact, if you assess your home's strengths and weaknesses, you may be better equipped than ever before to transform your residence's weaknesses into strengths.

Sometimes, it helps to conduct a home inspection before you list your residence. An inspection enables a property expert to evaluate your residence both inside and out. Then, you can receive an inspection report that details any underlying problems with your house and correct these issues prior to adding your home to the real estate market.

2. Set an Aggressive Initial Home Asking Price

Establishing an aggressive initial home asking price is paramount. Because if you set a competitive initial home asking price, you likely won't have to wait long before you start to receive offers to purchase your house.

To determine how to price your house, you should review the prices of recently sold houses in your area and other real estate market data. Plus, it may be beneficial to perform a home appraisal to receive a property valuation that accounts for your house's condition and the current state of the real estate sector.

3. Hire an Expert Real Estate Agent

Navigating the house selling journey often is tricky, particularly for sellers who choose to work alone. Fortunately, real estate agents are available in cities and towns nationwide, and these housing market professionals can offer expert guidance throughout the property selling journey.

A real estate agent understands the home selling journey varies from seller to seller. As such, this housing market professional will craft a custom home selling strategy to help a seller achieve his or her desired results. A real estate agent also will do everything possible to promote a residence to potential buyers and ensure a seller can optimize the value of his or her house.

Furthermore, a real estate agent is happy to provide a recommendation about how a seller should proceed with an offer to purchase a house. He or she can help a seller determine whether to accept, reject or counter a property buying proposal. And if a seller has any questions about an offer to purchase, a real estate agent is ready to respond to them.

When it comes to selling a house, it is crucial to get as much help as possible. If you collaborate with an expert real estate agent, you can gain deep insights into all aspects of the home selling journey. Perhaps most important, you can receive comprehensive assistance throughout the property selling journey and increase your chances of enjoying a fast, successful home selling experience.




Categories: Uncategorized  


Posted by Thomas Murphy on 9/30/2018

Itís always a goal in life to be happier in our jobs and make more money. When it comes to buying a home, your job status can have a big effect on whether or not youíll be able to buy a home or not. You will be able to buy a home using a new source of income. Even refinancing can be a breeze when you have a new job and the right knowledge. 


Many people believe that changing jobs or having gaps in between employment is a certain type of black hole when it comes to getting a mortgage. However, if you approach all of the changes in the correct way, you should be able to land the mortgage deal and secure a home.


Average Income


One of the most important numbers that your lender will calculate when youíre buying a home is that of your average income. This will be based on the pay that you had earned in the past 24 monthsĎ time. If you have had the same job and pay, this wonít be much of a big deal, However, if any of these things have changed (or will soon change) your lender may have some questions. This doesnít mean that your mortgage application will be struck down completely. 


Information Thatís Needed In The Event Of A Job Change


If you have recently changed jobs in the process of trying to refinance or buy a new home, your lender will need a few pieces of information from you. These items include:


  • An offer letter for the job
  • A role or title change letter (if applicable)
  • Compensation package change confirmation
  • Verification of employment
  • Most recent pay stub


Hourly Employees


If youíre an hourly employee, unfortunately, youíre under the tightest type of scrutiny when it comes to applying for a mortgage. Your income will be averaged for as long as you have been an hourly employee. If you work full-time, this wonít be too much of a problem. If your hours fluctuate from week-to-week, this can make things a bit more complicated.


If your hourly rates have recently gone up, youíll need a bit of info from your employer to help you get the income verification that your lender needs. These items include:


  • An offer letter
  • Recent pay stubs
  • The new compensation structure or offer

If you have any sort of extenuating circumstances like a relocation or a new position, this information can help to bridge the gap in any information that just doesnít add up as far as your employment history goes. 


Salaried Employees


If youíre a salaried employee, things are a bit simpler. Your lender will have a much easier time calculating your average income. The only issue that you may encounter is if you have had a gap in employment. For this, your lender will require a written explanation of what occurred during that time period.  

 

Lenders want to protect themselves, but in a way, they also want to protect you from getting in over your head with how much you can afford for a home. With some proof and a little explanation, you should be able to get a house you can afford if you have all of the information that you need to back up your financial history and employment history.




Categories: Uncategorized  


Posted by Thomas Murphy on 9/23/2018

If youíre looking to update your home with a more chic, classic style black wall paint is the untraditional but obvious choice. Stand out from the crowd and a sea of white walls with this bold move.

Of course, not just any room can be painted black and called a look. A large room with bright, natural lighting is the perfect canvas to start with. Whatís great about black walls is that, as a classic color, it can work in any room.

Placement

Black walls look crisp and modern with the sharp contrast of white baseboards and even as an accent wall in an otherwise white painted room. For the bold and adventurous, a black ceiling with white walls, despite what you might think, bring height and space to a room.

Tie in your color choice with other elements. Black wallpaper with a white pattern, subway tiles with a dark grout and black and white patterned tile are great ways to do just that. In a kitchen, glossy black cabinets look seamless next to black appliances. While black beadboard and shiplap bring a welcome change to a dominating trend.

Decor

Mix textures to keep things dynamic instead of sterile. Soft white elements like a sheepskin throw, curtains paired with sleek crisp lines will have guests believing you had a professional design your home.

White pieces, whether the porcelain in your bathroom, the mantel in the living room or marble countertops in the kitchen keep your space balanced. Furniture and flooring made of wood in lighter shades look best against the dark backdrop. Take a note from the Scandinavian stylebook by adding decor made up of burlap fabric, terracotta, fur, linen, and stone.

Color to Pair

Bronze and gold hardware add glamour and, when in the form of t-bars style drawer pulls, a very chic, minimalist take on the look. Keep an eye out for utensils, decorative bowls, serving trays and sculptures in these metallic hues to add to your room. And with these colors still growing in popularity they shouldnít be too hard to find!  

Navy helps to tone down the harshness of black while carrying the deep complexity of the darker color throughout the room. Light hues in addition to white, like creams, beiges, and grays maintain balance and brighten the room.

Bright colors add an unexpected pop against the neutral hues. Olive and forest greens add a rich, deepness while pinks, reds and yellow add a playful touch. Add in a dose of color with throw pillows or artwork. Or allow a piece to grab your visitors attention such as a sofa.

Painting a wall black is not for the faint of heart. Itís certainly a bold move but not an outlandish one. Instead, the final result is decidedly chic and even feels couture.




Categories: Uncategorized