Dorothea Feffer - Coldwell Banker Residential Brokerage



Posted by Dorothea Feffer on 1/22/2018

Life is complicated; however, your moving day experience does not have to be this way. In fact, there are many ways to avoid a complicated moving day experience, and these include:

1. Plan Ahead As Much As Possible

When it comes to moving day, it pays to be prepared. Thus, if you plan ahead as much as possible, you can identify any potential moving day pitfalls and address them before they escalate.

Pack as many items as you can before moving day – you'll be glad you did. If you pack in the weeks and days leading up to your move, you can avoid the stress of last-minute packing.

Also, box and label all of your personal belongings. This will make it simple to safely pack all of your personal belongings into a moving truck and find these items as soon as you reach your final destination.

2. Get Plenty of Rest Before Moving Day Arrives

Moving day likely will be a long, arduous experience, regardless of how much you plan for it. Conversely, if you get a good night's rest before moving day, you can kick off your move feeling rejuvenated and refreshed.

In addition, you should start your moving day with a healthy breakfast. This will give you something to look forward to on moving day, and the breakfast itself will provide you with plenty of energy to help you seize the day.

Don't forget to plan regular breaks as you complete your move. If you do not take a break every once and a while, you risk wearing down quickly on moving day.

3. Hire a Moving Company

There is no need to leave anything to chance, especially if you're planning a big move. Luckily, moving companies are available in cities and towns nationwide, and these businesses employ highly trained moving professionals to assist you in any way possible.

If you intend to hire a moving company, don't wait. Remember, the longer that you wait to employ a moving company, the less likely it becomes that this business will be available when the big day arrives.

Furthermore, you should check out a variety of moving companies in your area. This will enable you to examine various moving companies' strengths and weaknesses and determine which business can fulfill your moving needs.

If you need extra help determining whether a moving company is right for you, it never hurts to reach out to the business directly. In most instances, a moving company can provide client referrals that can help you make an informed decision.

Lastly, for those who are uncertain about how to prepare for a move, it may be helpful to collaborate with a real estate agent. This housing market professional can help you buy or sell a house, along with provide insights into what it takes to complete a successful relocation.

Want to enjoy an uncomplicated moving day experience? Use the aforementioned tips, and you can reap the benefits of a seamless transition from one address to another.




Tags: moving tips   moving   moving day  
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Posted by Dorothea Feffer on 1/15/2018

Being a homeowner can be a bit overwhelming at times. It can easily become difficult to juggle your homeowner responsibilities with your family and work obligations while still taking time for yourself to relax. It's a problem made even more difficult when you don't plan ahead for things like home maintenance. Aside from keeping your home in good condition, some maintenance issues are also safety issues, making them all the more important to find time to tend to. So how can you make time to complete maintenance tasks and ensure you don't forget about them? In this article, we'll help you make a maintenance calendar that will help you hold yourself accountable to keep your home safe and in good condition.  

What should be on your calendar?

Each home is unique and will require different types of maintenance. But in general, most homes share characteristics that can be applied to your situation. We'll break up maintenance into two categories: safety and upkeep. Safety For the well-being of you and your family, be sure to add these items to your list:
  • Smoke and carbon monoxide detectors checked (monthly)
  • Smoke and carbon monoxide batteries changed (every 6 months)
  • Fire extinguisher checked (every 12 months)
  • Test door and window locks (every 12 months)
Upkeep Many items in your home will stop working properly if you don't practice good maintenance. Some of the most important items to practice maintenance on are:
  • Inspect your HVAC filters (every 3 months)
  • Clean the drains of your sinks and shower (every month)
  • Test seldom used objects like spare bathroom sinks and toilets (every 2 months)
  • Clean refrigerator coils and vent (every 6 months)
  • Replace water filters in refrigerator, sink, etc. (every 6 months)
  • Clean your gutters and drainage system (every 12 months)
  • Repair ripped window and door screens (every 12 months)

Seasonal maintenance

If you live in an area that has significant climate changes throughout the seasons, then there are an whole host of maintenance tasks required to prepare for the change of weather. Some common tasks include:
  • Turning off outdoor water to avoid frozen pipes
  • Replacing door screens with glass
  • Cleaning, installing, and uninstalling air conditioners
  • Sealing or repaving walkways and driveways
  • Cleaning chimneys
  • Dusting off heaters
  • Inspecting your roof shingles

Creating your calendar

Now that you know what to put in your calendar, its time to decide how you're going to make it. If you carry your smartphone with you everywhere and check it constantly, it might be a good idea to use a good calendar app, preferably one that syncs with your other calendars (work, Facebook, etc.). Google Calendar allows you to categorize calendar events by colors, sync between accounts, and invite others to events (such as when you need your family's help with something on your list). If you're not big on technology, you could always keep a calendar attached to your refrigerator or in a frequented spot in the house that you and your family will remember to check often. Whichever method you choose, the important thing is to find one that works for you so that you don't forget these important items to keep your house, home, and family safe.    




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Posted by Dorothea Feffer on 1/8/2018

A home showing represents an important opportunity for a homebuyer. And if you know the right questions to ask during a home showing, you can obtain the insights you need to determine whether a residence is right for you.

Ultimately, there are several crucial questions to ask during a home showing, and these include:

1. Why did the seller list this home?

There are many reasons why an individual may choose to sell his or her house. Yet this information rarely, if ever, is included in a home listing. Fortunately, a home showing gives you the opportunity to analyze a seller's perspective as you weigh the pros and cons of submitting an offer to acquire a residence.

If a seller listed a house due to severe home maintenance issues that have escalated over time, this is a red flag for any buyer. On the other hand, if a home seller simply is looking to upgrade or downgrade or prefers to live elsewhere, you may want to further pursue his or her residence.

2. Is there any flexibility on the home price?

The initial asking price of a home usually is flexible, but only to a certain extent. Determining the level of flexibility on an initial asking price is paramount, as this may dictate the offer that you make on a house.

However, it is important to submit a competitive home offer, regardless of whether a seller is flexible about the price of a residence. Because if you submit a competitive homebuying proposal, you can reduce the risk of missing out on an opportunity to purchase your ideal residence.

3. Is there anything else I need to know about this home?

Following an in-depth home showing, you likely will have lots of information about a house and its condition. To conclude the showing, you should ask if there is anything else you need to know about a residence. This will enable you to receive the final pieces of information you need to decide how to proceed with a home.

Remember, it is your duty as a homebuyer to make an informed decision. If you understand exactly what to ask during a home showing, you can obtain the insights you need to determine the best course of action.

When it comes to preparing for a home showing, it helps to get assistance from a real estate agent too. In fact, hiring a real estate agent will make it simple for you to navigate the ups and downs of the homebuying journey.

A real estate agent is happy to set up home showings and attend these events with you. He or she can provide comprehensive home insights throughout a home showing. Plus, after a home showing, a real estate agent will help you decide whether to submit an offer on a house or continue your pursuit of your dream residence.

Get ready for a home showing – collaborate with a real estate agent, and you can receive the help you need to fully analyze a house.




Tags: Buying a home   showing  
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Posted by Dorothea Feffer on 1/1/2018

If you’re thinking about buying a home, you’ve probably heard a lot about closing costs. Closing costs can come at a hefty price- up to 5% of your home’s purchase price. When that amount must be paid up front, you need to make sure you have a sizable amount of cash on hand.  


There’s many different kinds of fees included in the closing costs. Your lender will give you an estimate of what your closing costs will be, but you may not know what any of the terms that are included actually mean.  


The Loan Origination Fee


This is the fee charged by your lender that covers the administrative costs that are associated with creating and processing a mortgage. This could also be called an underwriting fee.   


Title Search Fee


This is how much the title insurance company charges to perform research on the title of the home. In some cases, the title may have some issues associated with it, so this research is to protect you. There’s also title fees known as lender’s title insurance and owner’s title insurance. You need to have lender’s title insurance, but owner’s title insurance is completely optional.


Credit Report Fee


This covers the obtaining and review of your credit report. 


Application Fee


There’s also a fee when it comes to reviewing your mortgage loan application. 


Home Appraisal


This fee covers the appraiser who is chosen by your mortgage company in order to assess an accurate value of the home.  


Tax Monitoring Fee


This fee supports tax research on the home to determine if property taxes have been paid. 


Survey


The property survey covers all aspects of the property bounds including gas lines, roads, walls, easements, property improvements, and encroachments. 


Attorney Fees


The attorney fees will cover all of the document reviews, the agreements, and the escrow fees.


Insurance Payments


When you close on a home, your entire first year of home insurance payments must be made at the time of closing. If you have bought your home with an FHA loan, you’ll need to pay mortgage insurance premiums at closing as well. You’ll also need mortgage insurance payments if you put less than a 20% down payment on the home.  


Escrow Property Taxes


The lender requires that you pay your property taxes up front. This money will be held in escrow and the taxes paid from there.  


As you can see, there’s a lot that goes on during the closing of a home. Make sure you have some water handy, it’s going to be a long process! Understanding what will happen at closing when you buy a home can help you to avoid any surprise fees or financial burdens.





Posted by Dorothea Feffer on 12/4/2017

Selling a house the second time around may prove to be much easier than your initial home selling experience. In fact, a veteran home seller can learn a lot from his or her past home selling experience, including:

1. How to Establish a Competitive Initial Home Asking Price

Setting a competitive initial home asking price is paramount, regardless of a home seller's experience. If a seller establishes a competitive initial asking price from the get-go, he or she can increase the likelihood of stirring up plenty of interest in a house. Conversely, a seller who sets an initial asking price that is too high or too low may struggle to achieve the optimal home selling results.

Think about how you priced the home that you most recently sold. This experience may help you determine how you'll price your current house, as well as enable you to avoid potential pricing mistakes along the way.

Furthermore, it usually helps to look at the prices of comparable houses in your city or town. If you assess this housing market data, you can see how your house stacks up against the competition and narrow the price range for your residence.

2. How to Promote a House to the Right Groups of Buyers

If you previously struggled to showcase your house to buyers, you can learn from your past experience and avoid making the same mistakes once again.

Ultimately, a home seller should allocate time and resources to enhance the curb appeal of his or her home. If a house features a stunning exterior, it may generate lots of interest from buyers.

It often helps to maintain a clean home interior as well. If you keep your home neat, tidy and clutter-free, buyers should have no trouble envisioning what life might be like if they purchase your house.

3. How to Hire the Right Real Estate Agent

Conduct an in-depth search for the right real estate agent – you'll be glad you did. If you meet with a variety of real estate agents, you can find a housing market professional who can help you achieve your desired home selling results.

Don't forget to request client referrals from a real estate agent. Because if you can learn about past clients' experiences with a real estate agent, you can make an informed choice about whether to hire this real estate agent to guide you along the home selling journey.

Ready to add another house to the real estate market? Use your home selling experience to your advantage, and you can boost your chances of enjoying a profitable home selling journey.




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