Blog On Main Street

by Noel Bennett, Premier Mortgage Group

Keep renting or buy a place of our own? That is a question I have heard many times over my last twenty-plus years as a mortgage loan originator. It is a basic question, but carries with it so many important, weighty thoughts and considerations. “Buying is such a big commitment.” “I don’t want to throw my money away on rent any longer.” “What if I am buying at the peak of the market?” “I don’t want to deal with all the maintenance.” All of these thoughts, and more, swirl around in our heads as we think about buying a property. There are no right or wrong answers. All we can do is arm ourselves with as much information as possible and put it to use in making the best decision for our own, personal situation.

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by Jessica Smith, House Doctors

Buying a house is a huge decision - one that obviously requires great care. Every family has its own specific needs and expectations for a home and here I want to share some practical aspects of buying a home.  If these steps are neglected it may lead to a move you might regret later. Here are 12 things to keep in mind before buying a house!

1. Plan Ahead - Plan your financials for a while before you actually make the move. This ensures lasting financial security and better decisions in the longer run. Even beyond your loan, save up for the extra costs that are bound to crop up after you move to a new home as increasing your credit card bills with an already existing mortgage on your head won't do you any favors.

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by Cory Nickerson, LRA Associate Broker

When it comes to home design ideas, I always look to the experts. No matter what the time of year, which room I am focused on, I end up slightly overwhelmed and doubting my instincts.  To get some perspective on the 2018 home design  I took in the advice of Colorado design expert from Kim Cieplik, a specialist with Solid Rock Custom Homes.  According to a recent interview with Kim,  her “real world” research suggests some colorful trends to the autumnal months in 2018.

Ms. Cieplik says, “Most people are getting away from the beige neutral tone fad that has been around for the past ten years. Our customers are now asking for more vibrant colors in parts of their homes. There is still a neutral base color,

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By Cory Nickerson, LRA Associate Broker 

It is always a good time to re-evaluate various security and safety practices we have in our daily lives, both in the digital and physical world. One of the areas that I advise folks to take a look at, especially during their early home searches, is how to protect their credit from any fraudulent actions by unsavory characters. There are several ways protect yourself and your family. 

Here are a few tips I recommend that could help you streamline the process! 

1) Freeze Your Credit: One effective approach to protecting your credit is to request a security freeze with all three nationwide credit reporting agencies, Equifax, Experian, and TransUnion.  This action will prevent anyone from opening up a new

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By Marina Gorbounov, Evolve Real Estate and Property Management

If you are considering investing in real estate, then you are in luck. Homeownership rates are at their lowest levels in 50 years. This major shift away from homeownership can be attributed to several factors I will discuss in this blog. 

Renting offers the kind of flexibility that younger Americans appreciate. This flexibility allows them to delay certain decisions such as starting a family or marriage that may precede buying a home.  Apart from this, buying a home is not affordable for many renters. This is because home values and incomes have risen disproportionately. As a result, millennials are renting for longer periods. Equally, the number of baby boomers staying in the rental

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By Cory Nickerson, LRA Associate Broker 

"How can I be helpful?".  These were five words I heard from an old friend during an unusual week.  The question came while she was hosting my daughter and me in her lovely home in Boston, which she and her family had graciously opened to us while I was moving my first born into her college dorm for her freshman year.  My younger son, who was back home in Colorado, had decided that it was as good a time as any to contract appendicitis.  And so, just a handful of hours after we had landed half way across the country, I received word that my son was going to have an emergency appendecomy.  Even though he emerged from his surgery in tact and was on the road to recovery before I was flying home, it was a stressful

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by Cory Nickerson, LRA Associate Broker

Sometimes the urge to clean hits us spontaneously!  Now that the kids are back to school, you may be facing some major post-summer clean up efforts, we thought we would share this infographic on how to cut through the grease and get your house spic 'n span with ingredients and products you probably already have at home.  

Check out this infographic for nine, easy-to-make homemade cleaners you can make yourself plus more ideas on DIY clean up ideas! Hint: vinegar seems to be a very common ingredient! Scroll to the end to see more links. 

Homemade

Thank you to The Pressure Coach, a professional pressure washing & decorative concrete business, who has been servicing home in the USA for over 5 years, who

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By Lisa Hall, Independent Interior Decorator 

Wooden floors have always been on the trend list of interior designing and home makeovers. They are not only attractive but gives a classy touch to the whole house. They are easy to clean and can be maintained easily. Over the years wooden floors have had competition, but have managed to remain amongst market with trends appealing to everyone. One needs to consider at least three components with regards to wooden floors: color, texture and finishing. Each of these trends change from time to time but here are the latest.

1. Trends in Color - Colors can make your wooden floors look cheap or extravagant. They define the room and space. Bright colors can make your house have a lively and royal look whereas

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by Robert Kelly, LRA Owner & Managing Broker

I don't mean to sound repetitive but in our seasonal outlook here, Louisville remains a hot seller's market, with very little inventory on hand for eager buyers. As the table below shows, the median list price increased from $699,000 in May 2018 to a whopping $739,000 in early August. Louisville's inventory increased a little as the spring months transitioned to summer, and currently sits at 55 homes, which is actually a decent increase from 43 homes in May. "Days on Market" (DOM) has remained stable at 60 days in early August, which includes time to close. However, a big move this summer has been that 45% of sellers were offering price reductions as of early August, up from 28% in early May 2018, and way

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By Cory Nickerson, LRA Associate Broker

Home buyers who are looking to live in HOA communities typically focus on two questions: 1) what are my HOA fees going to be? and 2) what is included in my HOA fees?  Of course those are important pieces of information, but I wanted to write this week’s blog about the other important factors that HOA home buyers should tune into before they waive their HOA contingencies and move forward a home purchase.  Follow these five steps below and you will go into your HOA membership with eyes wide open, thus limiting the number of unpleasant surprises you may encounter after you move in!

In Colorado, home buyers are entitled to ask for time to review any available documents to understand the background of an HOA.

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