Listing Courtesy of BETHANY AREA REALTY LLC
One of CNN’s most popular sites is called CNNMoney. Dollars and cents are its singular focus—no film reviews, fashion statements, or political insights. For North Bethany readers minding their bank accounts, it makes consistently interesting reading.
The other day, an eye-catching ad for CNNMoney appeared on the screens of real estate sites. If you’d been browsing the North Bethany listings, there it was, with this challenge: “Are you a home buying genius?” For anyone who couldn’t be absolutely sure of the answer, the ad led to an online quiz. A simple mouse click brought up the first question.
It was a good thing CNNMoney isn’t called CNNGrammar, because the first question was “How will a bad credit score effect (sic) your ability to buy a home?” The choices were four, starting with “I may not qualify for a mortgage.” Then came, “I may need a bigger down payment;” “I’ll have to pay a higher mortgage rate;” and the last, “All of the above.” They all looked possible, so North Bethany home buying geniuses had an easy time with that one.
But others could have tested the neurons of any home buying Einstein.
“What’s the most surefire way to get the financing you need?” was one. “Play the Powerball” was clearly not the right answer, but the difference between “Get pre-approved for a mortgage” (choice #2) or “Have the mortgage pre-underwritten” (#3) might depend on the North Bethany mortgage broker’s office terminology. If you went for #3, you got it right.
If you knew that North Bethany closing costs usually run between 2%-5% of the selling price, you had another right answer. Likewise, if you chose the standard “28% of your gross monthly income” as the most you should budget for a mortgage payment. By now, it had become clear that this quiz had been put together by someone with an interest in promoting mortgage loans. All the questions were dealing with mortgages, and now ads for national mortgage outfits were beginning to appear at the bottom of the screen. Since this is nothing new when it comes to web quizzes, most readers would have kept at it.
They would have run into one question about how much savings you “should have left” after you buy a home—the kind of question that could start a debate. This one could challenge any genius. For instance, if you are The Donald, you really wouldn’t need the “at least six months’ worth of savings” that was ruled the right answer. The explanation sounded reasonable (“you’re probably spending freely to furnish or update the place”), but what if you had just bought a new home or one of the spotlessly renovated North Bethany listings that are now on the market? The amount it would cost to move in could just as easily be next to nothing!
Such quibbling in internet quizzes isn’t allowed. If you got all the answers right, you were pronounced a home buying genius (with an exclamations point)…and an offer to tell the world via Facebook or Twitter. If not, you could retake the test before you told anyone anything, which does seem a little bit like an offer to peek at the teacher’s answer sheet…
In my opinion, you don’t have to be a North Bethany home buying genius to score a spectacular home in this summer’s offerings. The properties are there, and the financing numbers are still historically terrific! It won’t hurt to have a knowledgeable professional clearing the way, either. Just call, anytime! Call/Text me Russell Stucki at (302) 228-7871, email me at firstname.lastname@example.org, visit more listings at www.beachrealestatemarket.com.
Selling your Delaware house is a lot easier when you have an experienced professional relieving you of the lion’s share of the work. I spend full time dealing with the ins and outs of marketing, dealing with qualified prospective buyers, and making sure the Delaware and Delaware technical requirements are met to the letter. That means that the lion’s share of what you need to deal with are the finishing touches of showings and open house presentations.
But long before any marketing can get under way; before an eye-pleasing Delaware listing can be created—and even before a final choice the right Realtor® is made—two formidable opponents have to be met and conquered. Taken individually, neither is nearly as imposing as when they team up. But when they work together, they can stall the initiation of any Delaware house selling initiative for months—even years. Unfortunately, they’re always hanging around the house, waiting to cause trouble.
The villains are inertia and its helpmate, clutter.
Inertia is the force that pushes you back in your seat when your jetliner takes off. It’s the force that keeps the car moving after you’ve taken your foot off the gas. It’s the physical property of a body at rest (or in motion) that opposes a change in what is happening at the moment.
In the realm of homeownership, real estate inertia is the natural tendency to stay put in your familiar home setting. Rather than upsetting the applecart by striking out in a new direction, it’s the understandable propensity to leave well enough alone—even when the familiar home base is no longer as suitable a venue as it used to be.
This despite the fact that as our family or work or financial situations evolve, sooner or later most everyone will overcome house-related inertia and start thinking about selling and finding a better fit. That might be larger or smaller, grander or simpler, or simply more conveniently located. That’s when inertia’s partner comes into play to stop everything.
Clutter is all the stuff we’ve built up to make our lives more comfortable—and there is a lot of it we could do without. But the idea of actually addressing which things are disposable, and thenactually disposing of them? Well, nobody in his or her right mind wants to tackle that (at least not right now).
To make a mathematical formula for this common phenomenon:
inertia + clutter = later
The foolproof strategy for overcoming the two scoundrels is to cut the clutter part down to size. Tackle one room at a time. It works. True, this involves overcoming a certain amount of inertia—but nothing like the mountain of the stuff that thinking about the whole household full of the stuff involves.
My i + c = l formula probably might not be included in any physics textbooks, but it’s a good one to remember as soon as you begin to think about selling your own Delaware house. Also good to remember around the same time is to give me a call! Call/Text me Russell Stucki at (302) 228-7871, email me at email@example.com, visit more listings at www.beachrealestatemarket.com.