Brian O'Neil - RE/MAX Advantage I



Posted by Brian O’Neil on 7/28/2019

If you own lots of items and plan to buy a house in the foreseeable future, now may be a good time to list any unwanted items online. That way, you can simultaneously eliminate clutter and earn extra cash for your excess items.

Ultimately, selling items online before you pursue a home can be simple – here are three tips to help you showcase your unwanted items online to dozens of potential buyers.

1. Provide Relevant Information in Your Item Listings

Find out as much as you can about any items you decide to list online. Because the more information you can provide to prospective buyers, the easier it becomes for a buyer to determine whether a particular item is the right choice.

There is no need to stretch the truth in your online item listings, either. If you provide accurate, relevant information, you can help a buyer make an informed decision.

2. Add High-Quality Photos

A picture is worth a thousand words, particularly for those who list items online. Thus, if you add high-quality photos to complement your online listings, you can instantly show off your items to large groups of prospective buyers.

You don't need to be an expert photographer to take high-quality photographs of your items. If you use a smartphone, tablet or digital camera, you should have no trouble capturing top-notch images that you can upload onto a computer without delay. Then, you can add these photos to your item listings and help buyers see exactly what you have to offer.

3. Be Ready to Respond to Concerns and Questions

If a buyer has a concern or question about an online item listing, you should be ready to quickly connect with this individual and provide him or her with the requested information. By doing so, you may be able to speed up the process of getting rid of unwanted items.

As you start selling items online and get ready to search for a house, you may want to find a real estate agent as well. If you hire a real estate agent, you can receive expert housing market assistance as you prepare to pursue your dream residence.

A real estate agent is happy to guide you along each stage of the homebuying journey. First, he or she will help you craft an effective homebuying strategy. A real estate agent next will keep you up to date about houses that fall within your price range and meet your desired criteria. Furthermore, if you find a home you want to buy, a real estate agent will help you craft a competitive offer to purchase. And if your offer is approved, a real estate agent will do everything possible to ensure you can finalize your home purchase as soon as possible.

Don't wait to get started on the homebuying journey – reach out to a real estate agent today, and you can begin your quest for your dream house.




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Posted by Brian O’Neil on 7/21/2019

A homebuying budget can make a world of difference, particularly for those who want to streamline a house search. If you have a budget at your disposal, you will know approximately how much you can spend on a residence. Then, you can narrow your house search accordingly.

Establishing a homebuying budget can be simple. Now, let's take a look at three tips to help you do just that.

1. Evaluate Your Finances

Your income and savings can have far-flung effects on your ability to acquire your dream house. If you perform an in-depth review of your finances, you can find out exactly how much money you have available before you launch a house search.

It often is a good idea to consider your long-term finances as you prepare to kick off a house search, too. A house usually is a long-term investment. And if you account for your long-term finances in your homebuying budget, you may be better equipped than ever before to conduct a successful home search.

2. Get Pre-Approved for a Mortgage

Banks and credit unions are happy to teach you about different types of mortgages. Plus, they can help you get pre-approved for a mortgage without delay.

To get pre-approved for a mortgage, you should meet with several banks and credit unions. Of course, if you have mortgage questions, you should address them before you submit a mortgage application. Once you have a mortgage in hand, you can establish a price range for your house search.

3. Examine Your Potential Closing Costs

Attorney fees, house inspection expenses and other closing costs may surprise some homebuyers. Yet if you understand your potential closing costs, you can plan ahead for these expenses.

Closing costs generally range between 2 percent and 5 percent of a house's purchase price. They also may be incorporated into the overall cost of a house. However, if you evaluate potential closing costs early in the homebuying journey, you can account for these expenses in your property buying budget.

As you get ready to launch a house search, you may want to hire a real estate agent, too. This housing market professional understands what it takes to find and acquire a terrific home at a budget-friendly price. Therefore, he or she will do everything possible to help you accomplish your homebuying goals as quickly as possible.

If you want to purchase a house close to your office in the city, for instance, a real estate agent will offer tips and recommendations to help you find a first-rate house in or near the city itself. On the other hand, if you aspire to own a home that boasts multiple bedrooms, a real estate agent will help you hone your house search to residences that fall in line with your expectations.

Ready to launch a successful home search? Thanks to the aforementioned tips, you can prepare an effective homebuying budget. As a result, you could speed up your quest to discover and purchase your dream house.




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Posted by Brian O’Neil on 6/9/2019

Believe it or not, getting pre-approved for a mortgage can be quick and simple, even for a first-time homebuyer. In fact, here are three tips to help a first-time homebuyer streamline the process of receiving pre-approval for a mortgage:

1. Meet with Several Lenders

Many mortgage lenders are available in cities and towns nationwide. Meanwhile, these mortgage experts are happy to teach first-time homebuyers about assorted mortgage options and help them get pre-approved for a mortgage.

Set up face-to-face meetings with various lenders in your area. That way, a first-time homebuyer can gain unparalleled insights into a wide range of mortgage options.

In addition, don't hesitate to ask questions during meetings with banks and credit unions. Mortgage lenders possess comprehensive mortgage expertise, and as such, a first-time homebuyer can rely on these mortgage professionals to receive the support that he or she needs to make an informed decision.

2. Understand Your Credit Score

Do you know your credit score? Ultimately, a first-time homebuyer's credit score may dictate his or her ability to obtain the ideal mortgage.

An individual can request a free copy of his or her credit report from each of the three major credit reporting agencies (Equifax, Experian and TransUnion) once a year. This report may prove to be exceedingly valuable, as it can help a homebuyer identify opportunities to improve his or her credit score before a mortgage application is submitted.

Also, if you identify errors in your credit report, it is paramount to contact the agency that provided the report immediately. This will allow you to correct any potential errors quickly and ensure that they won't affect your ability to get the best possible mortgage.

3. Consider Your Homebuying Budget

A first-time homebuyer may have lofty expectations prior to entering the real estate market. However, this individual should consider his or her finances before submitting a mortgage application.

With a budget in hand, a homebuyer can establish realistic expectations as he or she tries to get pre-approved for a mortgage. Plus, this homebuyer may be better equipped than others to obtain pre-approval for a mortgage and accelerate his or her search for the perfect residence.

Lastly, it may be worthwhile for a first-time homebuyer to meet with a real estate agent to learn more about assorted mortgage options.

A real estate agent understands the challenges associated with purchasing a house for the first time. As a result, this housing market professional can teach a homebuyer about all aspects of the property buying journey and help this buyer plan accordingly.

Perhaps best of all, a real estate agent can set up home showings, keep a homebuyer up to date about new residences as they become available and negotiate with a home seller on a buyer's behalf. This housing market professional will even provide honest, unbiased homebuying recommendations to make it easy for a property buyer to acquire a top-notch residence at a budget-friendly price.

Move one step closer to purchasing your dream house – use the aforementioned tips, and a first-time homebuyer can speed up the process of getting pre-approved for a mortgage.




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Posted by Brian O’Neil on 5/26/2019

If you want to buy your dream house in the near future, you likely will need to put together a competitive offer to purchase. That way, you can boost the likelihood of receiving an immediate "Yes" from a property seller after you submit your homebuying proposal.

Ultimately, it helps to know what differentiates a competitive homebuying proposal from a lowball one. If a homebuyer understands what to offer for a residence, he or she should have no trouble purchasing the right residence at the right price.

To better understand how to acquire your dream house at the lowest-possible price, let's take a look at three tips to help you determine what to offer for a residence.

1. Study the Housing Market Closely

The housing market experiences ebbs and flows. Therefore, a real estate sector that favors homebuyers one day may favor home sellers the next. And if you fail to learn about the current state of the real estate market, you may struggle to put together a competitive offer to purchase your ideal residence.

Analyze the prices of available houses in your area, the prices of recently sold houses in your preferred cities and towns and other housing market data. With this information in hand, you can find out whether you're operating in a buyer's or seller's market. Then, you can craft an offer to purchase your dream residence that accounts for the present state of the real estate market.

2. Weigh the Pros and Cons of Your Dream Home

No house is perfect, and even your dream home may have its fair share of flaws. Fortunately, a homebuyer who assesses the pros and cons of a house may be better equipped than ever before to submit a competitive offer to purchase this residence.

If you view a house multiple times, you can learn about all aspects of this home and assess any property damage. After you obtain these home insights, you can create a competitive offer to purchase that accounts for the house's current condition.

3. Collaborate with a Real Estate Agent

When it comes to purchasing a house at a price that matches your expectations, it generally is beneficial to work with a real estate agent. This housing market professional will do everything possible to help you buy your dream home at a price that fits your budget.

A real estate agent understands the ins and outs of the real estate sector and can help you map out a successful homebuying strategy. He or she first will offer insights into available homes in your preferred cities and towns. Next, when you find your dream residence, a real estate agent will help you craft a competitive homebuying proposal. And if your offer to purchase is accepted, a real estate agent will make it easy to navigate the final steps of the homebuying journey.

Ready to streamline your quest for your ideal house? Use the aforementioned tips, and you can improve your chances of acquiring your dream home at a price that you can afford.




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Posted by Brian O’Neil on 5/19/2019

Buying a home represents a life-changing decision. As such, you'll want to look beyond the price of a residence as you search for your dream house.

Ultimately, there are many factors beyond price that you should consider as you pursue your ideal residence, including:

1. A Home's Location

For most homebuyers, a house's location is the number one factor when they explore the real estate market, and perhaps it is easy to understand why.

Finding a home in a location that is convenient for you is priceless. And if you know how to conduct a comprehensive home search, you can quickly discover a high-quality home in a wonderful location.

As you prepare to kick off your home search, consider whether you'd like to live in a city or town. This will enable you to narrow your home search.

You also may want to consider homes that are located near work or school. By doing so, you can ensure that you won't have to travel too far to get to destinations that you frequently visit.

2. A Home's Condition

A home may look like a great investment at first, but its condition may have deteriorated over time. Thus, you'll want to take a close look at a house's condition before you finalize a home purchase.

Typically, a homebuyer will complete a property inspection after a home seller accepts an offer on a residence. This inspection will enable a homebuyer to perform an in-depth assessment of a residence and learn about its strengths and weaknesses. Then, a homebuyer can determine whether to move forward with a home acquisition.

If a property inspector discovers myriad issues that impact a home's condition, a homebuyer may want to reconsider his or her offer. At this point, a homebuyer can still walk away from a home purchase. Or, a homebuyer can ask the home seller to complete various home improvements as well.

On the other hand, a homebuyer who falls in love with a house may choose to proceed with a home purchase, regardless of the residence's condition. If you choose this option, however, it is important to consider the potential long-term ramifications of your decision.

3. Your Future

It is paramount for a homebuyer to find a house that he or she can enjoy for years to come. Therefore, a homebuyer should consider his or her future before finalizing a home purchase.

For example, if you plan to settle down and start a family, you may want to evaluate houses that are close to schools. Conversely, if you eventually want to work in the big city, you may want to consider homes that will make it easy to commute into the city day after day.

Don't forget to hire a real estate agent to help you during the homebuying journey too. With a real estate agent at your side, you should have no trouble examining a broad range of top-notch houses that won't force you to break your budget.




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