The key to a successful and affordable move is to plan ahead. This way, you can start saving and budgeting well in advance of your moving date. But what expenses do you need to account for as you plan your move? Our real estate agents list some often-forgotten moving expenses below.
When you set a moving budget ahead of time, there are fewer surprises along the way. If you happen to still be looking at Richmond homes for sale, don't dismay. We're confident you'll soon find the perfect place and start planning your move. Contact us if you'd like some assistance on your homebuying journey.
With spring around the corner, it's time to plan your spring cleaning. One area that many homeowners often overlook is their windows.
Clean windows maximize the amount of natural light that enters your home; our real estate agents know that gleaming windows also help your home look its best during home showings.
Here are a few guidelines to follow when spring cleaning your windows.
With a little time and a few materials, you'll quickly have your windows looking their best. Interested in buying a home with more windows or natural lighting? Contact us today to start your search!
Many households view their pets as family members, so it only makes sense that you would consider your pets when searching for a new home. Our real estate agents suggest following these tips to ensure you buy a pet-friendly home.
Ready to move to a home with more space for all your family members? Contact us today to get started!
Redecorating after moving into a new home can feel like an insurmountable task. Let's say you've finally closed on one of these Richmond homes for sale and are looking to change up a few things to fit your style better. Now, where do you start?
Let's take a closer look at the trending paint colors that will inspire you in 2022. Make sure to consider the mood you want to inspire and the types of rooms you might want to use these trends for in your home.
2022 is your year! Our real estate agents are well-versed in Richmond real estate and can help you find a home that suits your style and needs. Contact us today so you can start searching for a home where you can utilize your favorite interior design trends.
If you're planning on buying or selling a house in the coming year, you might be wondering how to find the right real estate agent to support your transaction. After all, so much of your success depends on the experience of the real estate agent you select to support you along the way. If you're selling your home, your real estate agent is key to securing the highest possible sale price. If you're considering one of these beautiful Richmond homes for sale, your agent's expertise in the market and negotiation experience can help you land a solid deal.
However, finding a good real estate agent with the right level of experience isn't as simple as you might think. With so many agents out there, you might have to do some work to really find one who is truly a good match for you and your family. To help you, below are some tips that can help you find the best real estate agent to support your transaction in 2022.
Selecting the right real estate agent takes a bit of research, but it's well worth the time investment. A good agent can have a tremendous impact on the outcome of your home purchase or sale. Contact us for more tips or to speak with one of our real estate agents today.
Finding the perfect gift can be a challenge, no matter what the occasion. One occasion that may have you scratching your head is shopping for a house-warming present for a new homeowner.
Is your friend or relative settling in among Richmond homes for sale? Our real estate agents have vast experience helping homeowners acquire the home of their dreams or selling their homes so they can move on -- but they also know a thing or two about what a new homeowner might welcome in the way of a gift.
Here are a few suggestions your friend or relative will love having in their newly acquired home.
Need tips on buying or selling a home in the Richmond area? Contact us today.
Rain, rain go away! Summer showers are bound to happen and even people who love the rain can get cranky when they are cooped up inside all day. You can stave off that boredom by jumping into a DIY project to stay active. Our real estate agents have a few ideas for projects for kids and grownups alike. Some are just for fun, while others are designed to spruce up Richmond homes for sale. Take a look at some of these great options:
If you're getting your home ready to sell or looking for a new place, don't hesitate to contact us. Our real estate professionals are always ready to assist you at any point in the buying or selling process.
Designing a beautiful home is no easy task. While it may seem simple, it takes a keen, knowledgeable eye to create an interior with that special wow factor! Our real estate agents show a variety of homes that reflect beautiful design style, and we see the difference it makes when buying or selling a home.
As interior designers know, it requires vision, skill, and planning to understand the impact of scale, color, and balance in your home. Many design decisions go into a well-designed interior. In Richmond homes for sale, savvy buyers are looking for interiors that reflect current design trends, so they don't have to sink money into costly design mistakes.
Scale is so important when designing interior spaces. It's more than just taking measurements to make sure everything fits. Scale means understanding how the size of the room relates to interior furnishings like rugs, furniture, lighting, artwork, and accessories. The slightest mistake can quickly destroy the design style and ambiance in a room. Common design mistakes to avoid:
Over-Sized Furnishings – The scale of your furniture must work with the scale of your room. Large rooms with high ceilings are great for oversized sofas, large tables, and heavy armories, but using them in small rooms will make the space feel cramped and uncomfortable.
Small Area Rugs – If you fall in love with an area rug that doesn't fit your budget, don't buy a smaller rug just because it does. Area rugs should be anchored under furniture pieces, not floating between them, leaving the room feeling sparse and unfinished.
Colors used in paints, wallpapers, textiles, window treatments, rugs, and accessories have a big impact on your room's comfort and light. While lighter colors reflect light and make rooms feel more spacious, darker colors absorb light, making rooms feel smaller. When choosing interior colors, avoid mistakes that may create an uncomfortable room:
Dark Colors – Using dark colors on low ceilings or walls in small rooms can create a gloomy, uncomfortable space that feels claustrophobic, especially when rooms have minimal natural light from windows and doors.
Glossy Paints – While high-gloss and semi-gloss paints are great for doors and trim, they often create too much sheen on walls and ceilings. Glossy paints should be avoided on stucco or textured walls where surfaces are uneven or flawed.
Creating good balance in a room means paying attention to important details like the ceiling height, interesting focal points, and symmetrical or asymmetrical features. To avoid mistakes that ruin balance:
Create a focal point
Vary heights of furnishings, accessories, and light fixtures
Spread colors and patterns evenly throughout the room
If your room has a built-in focal point like a beautiful stone fireplace, emphasize it with spot or track lighting. If there's no focal point in the room, you can create one with a wall of colorful paintings or black and white photos. To create a good balance, keep frame colors and finishes to a minimum and make sure that artwork complements other things in the room. In a bedroom, your bed can serve as the focal point with beautiful quilts, linens, and throw pillows that showcase the room.
If you're interested in buying or selling your home, contact us for more information and opportunities. We can help with all your real estate needs.
If it feels like your counters are consistently cluttered, or you waste precious time searching for the proper kitchen tools each time you cook, it's time to declutter your kitchen.
Ready to make your kitchen more visually appealing and organized? Follow this guide to maximize your decluttering efforts.
Are you ready to buy your first home? Congratulations! This is a major milestone and an awesome accomplishment that you should be proud of. Our real estate agents understand how important this decision is, and we're here to help anyone who feels ready to enter into homeownership. Get ready to buy your first home by using this helpful checklist.
Purchasing a first home is one of the largest financial decisions most people make in a lifetime. The process can be an emotional roller coaster -- stressful, exciting, and overwhelming at the same time. For inexperienced homebuyers, it can be difficult to know what to expect and it's common to make mistakes during the house-hunting process. However, with a little preparation and research, you can avoid costly pitfalls and prevent major issues from popping-up down the line. Below are some tips to help you make the best decision when purchasing your first home.
A home inspection is an important step when you're buying or selling a home, so it pays to know what an inspection entails and exactly what kind of information it reveals.
Our REALTORS® explain the following points buyers and sellers need to know about home inspections for Richmond homes for sale.
Contact us to learn more about home inspections and how they can benefit buyers as well as sellers. And whether you're buying or selling a home in the Richmond area, our experience and knowledge of the local area can help make your transaction proceed smoothly.
Buying a home requires learning a new language. It is normal to feel a little lost in the conversation until you learn the lingo. To help make buying a home in Richmond a little easier, our real estate agents recommend studying the following vocabulary words as you start the process.
There are a hundred or more terms to learn when buying a home. Contact us and our team will help you study these as you start the process of examining which Richmond homes for sale are best suited for the lifestyle you want to enjoy.
One of the most joyful parts of the home buying process is just after closing when the pressure is finally off for everyone, and the homebuyer is ready to move in. Time to throw the housewarming party! If you're throwing this bash or you've been invited to one, there are certain rules of etiquette our REALTORS® want to share so you can have a blast without any faux pas.
When you're planning your first housewarming party, you may not know where to begin. Good etiquette comes before you send out your first invitation. It all begins with when the party is scheduled. You may be impatient to have it as soon as possible, but it is important to make sure that your house is in good order before you plan. You shouldn't be living out of boxes or luggage when your guests show up at the front door. A housewarming party is a presentation, and you want to give yourself enough time to make a good impression.
Other important points of etiquette include:
When it comes to etiquette slip-ups at a housewarming, it can be tougher on the guest than the host. It can be awkward visiting someone's home for the first time. Just remember these points of visitor's etiquette, and you should be fine.
If you're unsure what your host needs, a modest gift card may be the best bet. Traditional gifts include bottles of wine, decorative items, and household necessities, such as kitchenware. Avoid bringing food items unless the gathering is planned explicitly as a potluck. If you do have any concerns and have no idea what to get, it is acceptable to ask your host.
Joyner Fine Properties is here to answer all your questions about the home buying process. Check out our selection of Richmond homes for sale and contact us for answers to all of your real estate questions.
For most renters, owning a home is the eventual goal – it's just a matter of when to make the leap. Whether you've always wanted to own a home or you're simply growing tired of renting, there are plenty of signs to tell you that now is the time. Our REALTORS® are here to help you decide, with signs that you may be ready to buy a home.
Do You Daydream of Your Own Home?
Sometimes, the signs are straightforward. When you find yourself going online frequently to scout out Richmond homes for sale and dreaming, it's time to start thinking about turning that dream into reality. If you can already afford a monthly rent payment and your credit is in good shape, a mortgage may be more within reach than you expect.
Family on the Way
Whether you're transitioning from single to married life or expecting a child, sometimes life changes are the perfect motivation to move from renting to owning. Maybe you want additional space to accommodate a family or a place to settle down in a great school district. Either way, it may be time to buy.
Rising Rents, No Return on Investment
Tired of paying rent? For the vast majority of buyers, owning a home means taking on a mortgage payment, but that shouldn't scare you off at all. With rent prices rising and the reality that your rent only pays the landlord's mortgage, the ROI isn't there when renting. A mortgage allows you to build equity in the home over time and eventually own it outright, making it a much better investment.
You're in a Good Place Financially
For many, renting is just a temporary solution on the path to owning a home. If you've been working to save money, build your credit score, and qualify for a mortgage, then you've already taken some of the most important steps. Financial security is an excellent motivator for buying a house.
Falling in Love with a Community
While you're certainly part of the neighborhood when you rent in a community, buying a house gives you a personal stake in the future of the neighborhood. If you love the place that you currently call home, then it often makes sense to consider a more permanent arrangement.
Customize to Your Heart's Content
Renting provides flexibility in some ways, but it's also very limiting in others. If you would love to be able to customize your living space, remodel rooms, and make needed additions, then owning is a better option. You're responsible for maintenance on the home, but you're also free to customize your property without permission from a landlord.
You're Prepared for the Additional Costs of Owning a Home
Buying a house is about more than saving for a down payment and budgeting for monthly mortgage payments. You'll also want to make sure you have the extra cash for moving, repairs, maintenance, and emergencies. When you're prepared for the cost of both purchasing and maintaining a home, you're ready to say good-bye to renting.
Are you ready to take your next steps to toward the dream of homeownership? Our team is here to help. Contact us to buy and sell homes throughout the Richmond, VA, area.
After days, weeks, or even months of browsing Richmond homes for sale, you've found the perfect house for you. Research and diligence have placed you in the best position to take the next steps — submitting an offer.
How to Draft a Personalized Offer Letter in 10 Steps
Before you ask your real estate agent to formally offer a price, you may want to consider writing a personalized offer letter. Sending in a sincere note along with your offer price can make a world of difference, especially when you're competing against other buyers. Our real estate agents suggest following these ten steps when drafting your personalized offer letter.
Moving to a new city is an exciting experience, but that doesn't mean you'll instantly feel at home. It's only natural to have an adjustment period after moving to a new town. Getting to know your new city can be a fun, exciting process, and there are plenty of little things you can do to make your new town feel like home along the way. Our real estate agents understand what it's like to move to a new community, and we've got tips for how to make a new town feel like home.
Start By Getting Comfortable in Your New Home
If you were shopping for Richmond homes for sale and decided to move to the city, your first step toward making your town feel like home is getting settled in your new home. Unpacking, arranging furniture, and decorating the house will make it feel more like your space. Start with the essentials, and add the personal touches to make your house feel like a home.
Treat It Like an Adventure
Not every move happens by choice, so it can be daunting arriving at a new location when you're moving specifically for work or other necessities. No matter the reason behind your move, it helps to treat the move as an adventure. Every community has something to love. The adventure is in discovering what your new home has to offer and finding new things.
Use Online Resources to Research the Community
You can learn so much about a town before you even move there when you research online. Search for local attractions and events, with a focus on events that help you get to know the community. Check social media for local groups with similar interests to yours, and community organizations that help new residents get to know the area. Research can provide something to look forward to before you move, and make it easier to feel comfortable after you arrive.
Don't Be Afraid to Get Social
What's the easiest way to get to know a community? Socialize with the people who already know and love it! During your online searches and travels around town, look for opportunities to be social, and meet new people. Join local organizations, or head out to social spaces and meet people. Forging new connections will help you feel at home and provides an easy way to learn more about the community.
Try New Things
Connecting with like-minded people who share your interests can tell you a lot about your community, but it's also important to go outside of your comfort zone to try new things. Your new town may not have all the same attractions as your old one, but that only means you'll have lots of new things to explore. Trying new things will help your transition feel like an adventure and can help you find a new hobby!
When you're ready to start shopping for homes in a new city that you'll love calling home, our team is here to help with all of your real estate needs. Contact us to buy and sell homes throughout the Richmond, VA, area.
Buying a house should never be entered into lightly, and often many potential buyers may not realize just how much work it actually takes or the process involved. Doing as much research as possible can help determine exactly what is needed and required, to put a buyer in the best possible position to make a purchase.
Here are ten (10) great ways to help you identify the point at which making a home purchase becomes feasible for you:
1) Little to no credit card debt
When you're trying to get a mortgage, perhaps the most important aspect of doing so is getting your credit card debt reduced as close to zero as possible, according to Money Under 30. That's true for two reasons. First, the size of your credit card balances relative to your limits makes up a significant portion of your credit score. Second, lenders look at debt-to-income ratio. As long as you're carrying relatively small balances from one month to the next (or ideally, not carrying a balance at all), you'll be in good shape.
2) All other loans paid off
One of the biggest hurdles for the millennial generation when it comes to being financially capable of buying a home is student loans. It may not be wise to try to buy until your loan balances under control. That doesn't mean they have to be paid off in full, but they certainly need to be somewhat small relative to your income.
3) Tens of thousands of dollars in savings
If you're trying to buy a home in today's market, you'll almost certainly need to make a sizable down payment. While it's possible to get mortgages with down payment requirements as low as 3 percent, the added long-term expense could end up costing you significantly over the life of the loan. Making as large a down payment as possible is going to keep your borrowing costs down.
4) A rainy day fund
In addition to the money that will go toward your down payment, it's vital to have some additional money saved just in case something goes wrong with the home, according to Mint. As a general rule, having about $1 per square foot - or 1 percent of the purchase price - in the bank will help cover some basic expenses you're likely to encounter after your home purchase.
5) A long-term plan
Whether you're buying a home for a whole family or as a single person, you need to know what your situation is going to look like two, five, 10 or even 20 years down the road. That will inform a lot of decisions about the kinds of homes you're looking to purchase - i.e. not buying a small one that you'll have to move out of in a few years when you have kids - and how much work you'll have to put in to make sure your finances are in good enough shape to do so.
6) Reliable income
Lenders also want to make sure you're going to be able to keep up with your mortgage payments in the long term, so a steady job is a must, according to Credit Sesame. While no one can predict their employers' future with 100 percent accuracy, it might not be a good idea to go house hunting at a time of turmoil. As long as you're fairly confident in your position, shopping should be no problem.
7) A comfortable cushion
One issue some homeowners encounter after buying a home is they've pushed themselves so far financially trying to get ready for the real estate sales process that they come out the other side in rough financial shape. Being "house poor" means people own a house but otherwise struggle financially because of the cost of that property. You'll need to make sure you're not buying too much house or else risk running into other financial problems even if you can technically afford the mortgage and other costs.
8) An understanding of what constitutes affordability
Along similar lines, it's vital to not only factor in the cost of the mortgage, taxes and so on themselves, but also other expenses. This may include higher electric and heating bills that come with living in a bigger space, more costly insurance coverage (especially if your new home is in an area prone to flooding) and so on. Sitting down and doing the math around the true cost of homeownership will help you avoid being house poor or running into expenses you might not have realized will crop up
9) A list of must-haves and nice-to-haves
When people actually start shopping for homes, it can be easy to fall in love with certain properties, according to Forbes. However, while it would be nice to have a state-of-the-art kitchen with stainless steel appliances, it's probably going to be expensive and not necessary to your happiness in the home. Having a list of things that you will absolutely need out of your new property - big backyard for the kids, finished basement for a home office, etc. - will inform your choices and help you get a better idea of what you can actually afford.
10) A talented and experienced agent
The key role of real estate professionals in every portion of the process cannot be overstated. They will be able to help first-time buyers as well as those who have previously been through the process get as prepared as possible so they can maximize their understanding and the value they get out of buying a home. Experienced agents have likely seen it all and can help shepherd any client through a sale - as either buyers or sellers - with ease.
Buying a home is usually going to be the biggest purchase anyone makes in their entire lives, so it's important to put in a lot of legwork - over a period of months or more - to ensure things go as smoothly as possible at each step of the shopping process. That, in turn, will help you feel more confident in your ability to make a purchase with confidence that you've done everything right.
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If you and your spouse have started researching Richmond homes for sale, you might have noticed that you have different tastes. Whether it's the size, location, or style of home, there's a good chance that you'll need to compromise on some things. Since your home is one of the single largest investments you'll ever make, it's important to make sure you'll both be happy in the long run.
Getting on the same page before you start home shopping will save you a lot of headaches. The last thing you want is to end up in a stalemate that causes you to miss out on a great buying opportunity, or, even worse, make a purchase that you later end up regretting.
Our REALTORS® have plenty of experience in working with couples to help them find a home that's perfect for both of them. Here are some of their best tips to help you get started.
Are you ready to start looking for your dream home? We can help! Contact us at Joyner Fine Properties to get your home search started.