HOUSING UPDATE
Feeling a bit unsure, or even afraid, to move with everything going on right now? The decision to move shouldn’t be scary, it should be exciting Andthebestwaytoeliminateanyfearistoworkwithapro
Real estate agents are so much more than just transaction facilitators; they’re trusted guides to help you navigate the complexities of the housing market with confidence and ease. And a great agent can turn what may feel like a daunting process into a manageable and even enjoyable experience.
That’swhy,inaBrightMLSsurvey,respondentsagreedpartneringwith anagentisessentialandhelpscutdownontheirstress:
Don’t let fear or uncertainty hold you back from achieving your goals. With an expert agent by your side, you can move forward with confidence
2.WalkingYouThroughtheProcessStep-by-Step
Is this your first time going through the process as a buyer or a seller? Don’t worry. Your agent will walk you through every step along the way, from the initial conversation all the way to closing day.AsNerdWalletexplains:
“If it’s your first time buying or selling you’re likely to come across terms you don’t recognize and tasks that seem baffling. What’s the difference between pending and contingent? Why do you need title insurance? How thoroughly do you need to fill out disclosure forms? Your agent should be able to confidently and competentlyexplainitall.”
And if you’ve done this before, but it’s been a while, an agent will tailor how they explain it all to your previous experience. They won’tbogyoudownwithdetails,they’llonlygiveyouasmuchofa refresherasyouwantandneed.
3.AdvocatingforYourBestInterests
1.ExplainingtheCurrentMarket
Source:BrightMLS
You may be seeing misleading headlines about a potential market crash,fallingprices,andmore Andwhenyou’renotanexpertyourself, it’seasytogetsweptupintheclickbaitandletthatscareyou AsJason Lewris,Co-FounderandChiefDataOfficeratParcl,says:
“In the absence of trustworthy, up-to-date information, real estate decisionsareincreasinglybeingdrivenbyfear,uncertainty,anddoubt.”
A real estate agent is there to help you separate fact from fiction and todebunkanyheadlinethatdoesmoretoterrifythanclarify.Withtheir deep understanding of local market trends, home values, inventory levels,andmore,they’llhelpyoufeelmoreconfidentinyourdecision
Does the thought of dealing with the back and forth of the transaction make your palms sweaty? Put that anxiety aside Your agent is a skilled negotiator trained for these exact scenarios And the best part is, they work for you So, it’s your goalsthey’reusingthatexpertisetofightfor
4.SolvingAnyUnexpectedProblemsQuickly
Worried something is going come up that you don’t know how to handle?Restassured,youragenthasyoucovered Agents are skilled problem-solvers They not only address issues, but they get ahead of them before they become deal-breakers –and that helps keep the process on track So, if any challenges do pop up, know your agent has the skills and experience necessary tofindasolutionthatworksforyou
We’re here to help you purchase the home of your dreams. We know that buying a home is one of the most important decisions you will make. Few things give you more pride than owning your own home, and you will probably make no greater single investment in your lifetime We want to help you make that dream come true. There are many different types of loan programs you can choose from, and the best loan program for your neighbor may be different than the one that is right for you. From getting pre-approved to finding the perfect home, understanding the home buying process can help give you peace of mind. So can partnering with a mortgage lender you can trust Put our expertise to work for you Whether you ’ re building or buying your home, FBC is here to help you along the way!
The Loan Process
What people are saying:
The loan process could not have been any easier The whole FBC team made an arduous process simple All your employees are fantastic and I wouldn’t change a thing!
NOT SURE WHERE TO BEGIN WITH THE CREDIT REPAIR PROCESS?
START BY CHOOSING WHICH OF THESE 4 OPTIONS FIT BEST WITH YOUR SITUATION
1 SELF CREDIT REPAIR
First, take the time to understand the 3 laws that govern what the bureaus and creditors can do and your rights throughout the process These are the Federal Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and the Fair Debt Collection Practices Act (FDCPA) Use standard dispute procedures to remove inaccurate trade lines from your credit report Your best chance of success with this method is by mailing dispute letters to the credit bureau in which the inaccuracy on your report was found Follow these recommendations to increase your chance of success
2. PAY OFF ALL OF YOUR BILLS
Settle ALL of your outstanding negative accounts with creditors and collectors for a complete deletion of negative information. After that, get in the habit of paying off your credit card balances each month and never falling into delinquency with creditors PLEASE NOTE! In many cases, paying collection accounts will lower your credit score For this reason, we can’t stress the importance of becoming educated on the law before beginning your credit repair journey What makes common sense doesn’t always make credit sense!
3 GO TO COURT
If the credit bureaus violated the Fair Credit Reporting Act by not removing inaccurate information from your credit report, you can consult with an attorney regarding a possible lawsuit
4 BECOME OUR CLIENT
A personal advisor will review your credit profile to determine how our program will effectively increase your credit scores We work together throughout each step you need to take in order to maximize your score A credit report is like a finger print – it’s unique to everyone! That’s why we recommend all clients to at the very least sign up for our free credit consultation In that consultation we speak to you specifically about the items on your credit report and how to best navigate the process
This Fall Is All About Turning Your Home into a Sanctuary
Who doesn’t love giving their home a mini makeover when the seasons change? Whether you’re breaking out new scented candles, putting up autumnal decorations, or just trying to make your space feel warmer as the days get shorter, there’s nothing quite like cozying up your home. We’ve taken a look at some of the most popular fall design choices to help you remake your home before the chilly weather hits read on for some key takeaways for the home from the Pinterest Fall 2024 Trend Report
1. Cozy Spaces
One trend Pinterest has dubbed “Cozy Corners” will bring a little hygge into your home for the fall. As the days get darker, it’s all about lighting: searches for sunrooms, cozy lighting, and even flower-shaped candle bouquets are all up significantly this year. We’re not talking overhead lights here, either break out your floor lamps, table lights, and candle arrangements if you want to create your very own Pinterest-worthy cozy space.
The cozy corners theme also includes plenty of indoor plants Searches for air purifying plants were up 850% —which will definitely keep your space fresh when you close your windows for the winter while Pinterest users were also consistently searching for the perfect floral aesthetic. Botanicalthemed rooms aren’t on the out yet, and we’re certainly excited to see a resurgence this fall.
2. Calming Hues
Wondering what color palettes are the most popular on Pinterest? It’s all about calm and relaxing shades this year Sage green is still having its moment in 2024, and it’s bringing plenty of other green shades along with it Deeper shades of green are popular in the bathroom and even in the home office, helping to bring a little luxury and calm to your home
Along with the coastal granddaughter aesthetic that's still making waves comes the hunt for the perfect shade of blue. Seafoam is up 200% this year, while blue is also the favorite color for bedrooms on Pinterest right now.
3. Soothing Homes
Japanese interior design is also a major influence on Pinterest this year. Searches for Japanese vintage art have risen 270% this year, and searches for Japanese futons are close behind. But the remodels for this category aren’t stopping at the bedroom.
Pinterest users are also looking to make their home more relaxing, as indicated by the searches for zen bathrooms, kitchens, gardens, and living rooms With so many current trends focused around spa-like bathrooms, minimalist yet luxurious home designs, and understanding your home’s layout, it’s no surprise that Pinterest users are turning to Japanese interior (and exterior) design to inspire their next redecorating. It’s warm and cozy without being overwhelming perfect for those who are already fans of minimalism or neutral palettes.
DECLUTTERING RULES PRO ORGANIZERS ALWAYS FOLLOW
As the holiday season approaches, professional organizers are prepping their homes for festive celebrations. From declutterinA trio of organizing experts share the tasks that make the most impact so you can revel in the magic of the holidays with a beautifully styled home!g kitchens to curating cozy living rooms, organizing pros know how to get their homes picture-perfect for guests.
1 Design a Cozy Holiday Entrance
Consider that your entryway is the first space your guests see, and it’s clear it’s worthy of a little attention As a bonus, a clutter-free your doors“Add an inviting mat outside your front door, and if you’re in a cold climate, make sure you have a mat inside the front door for people to stand on with their messy boots,” says Melissa James, owner and founder of Our Happy Hive tep makes it easy to add holiday decorations if you desire
2. Neaten Your Linen Closet
While your guests aren’t likely to be rummaging in the linen closet themselves, having a neat and tidy closet where everything has its place—can make hosting much easier and more enjoyable. Karianne Wood, interior stylist and author of Thistlewood Farms says; “Clean out the cobwebs, wipe down the shelves, and use a cleaner that smells really good ”
3. Tidy Up Your Pantry
Get your pantry organized now by tossing anything past its prime. If you're unsure, just check the expiration date Then, group like items such as spices, grains, or condiments in a single bin or one area of the shelf "Lastly, label your bins or shelves so that family members and guests can find and return things to their respective areas,” says James.
4. Clean Out and Refresh Your Fridge
Resetting your fridge now, before the holiday rush starts, ensures it is ready to function at its optimum level Be sure to take items out and wipe down the refrigerator,” says James “Mix 1 teaspoon dish soap, 1 teaspoon baking soda, and 32 ounces warm water for an easy solution to clean and deodorize your refrigerator ”
“When cleaning, pay special attention to your fridge’s door storage and crisper drawers, and dispose of any condiments that haven’t been touched since last holiday season
5 Turn Your Guest Room Into an Inviting Retreat
'Tis the season for hosting guests, and chances are your guest room could use a spruce Save tasks like vacuuming and dusting for closer to when guests arrive Right now is the time to focus on the big picture details like reviving or upgrading bed linens and taking inventory of the closet hangers.
6 Sort Your Junk Drawer
During the holidays, the junk drawer becomes a single stop for everything from extra gift wrap bows to tape dispensers to batteries. Start by unloading the contents of your entire junk drawer. Next, wipe it down and procure some silverware drawer organizers, Wood suggests Once a foundation of order has been laid, toss anything that isn’t essential Finally, group like items together and place them together in sections of the silverware organizer.
7 Clean Out Your Holiday Decorations
Giving your decorations a once-over before the holidays arrive gives you the opportunity to look at your decor with a more discerning eye Once the holidays hit, time constraints and mounting to do lists can make tucking unused pieces back into the box easier than assessing their value and carting them to the donation center Opt for a clean-as-you-go strategy Once you’re finished decorating the house, assess any remaining items to decide if they are worth saving.
BENJAMIN MOORE
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