RAMSEY SOLUTIONs
Most people consider moving one of life’s necessary evils. That’s why moving companies stay in business. Why pack, load, drive, unload, and unpack all your stuff when you can pay someone to do it? Whether you plan to do it yourself or hire it out, we’ve got some tips to help you save on your move.
Before You Start Packing
Don’t waste time or money moving stuff you don’t need. This goes for unused furniture, books, exercise equipment, kids’ toys and even clothes. Have a yard sale or donate your items. You’ll lighten your load and fill your wallet.
Keep track of your moving expenses, because if you’re moving to take a new job, you may be able to deduct them from your income taxes. Check out IRS Form 3903 for more information on eligible expenses. Speaking of tax breaks, any donations you make are tax deductible as well, so be sure you get receipts from the organizations you give your unused items to.
Do-It-Yourself Mov ...

Work With the Best Real Estate Agents in Your Area

They Care About YouMore Than the Sale
Our agents inspire and serve their clients first. Getting to know you on a personal level allows a solid recommendation to you and your family based on Dave's proven principles.

We Hold Them toHigh Standards
Our ELPs close on more homes than 90% of other agents in their area. You'd never build a home without a blueprint. So why blindly buy or sell one without the bes ...

Top 10 To-Do’s When Preparing Your Home For Sale

1.   Smoke/CO detectors should be operable and located in the following areas:
    a.     Minimum of 1 per level, including basement. At least 4 inches from wall if on ceiling & 4- 12 inches below ceiling on wall,
       and 1  in each sleeping room.
b.     Install carbon monoxide detectors within 10 feet of all bedrooms.
2.   Furnace filter should be clean and installed properly 
3.   Bushes and other landscaping plants should be trimmed away from house. Minimum 12” clearance is recommended.
4.   Tree branches should be trimmed away from roofing components.
5.   Gutters should be clean and fully operable with downspout extensions connected to discharge water away from foundation.
6.   General exterior maintenance including caulking details around window, door and c. ...

How much earnest money will I need? 
The industry guideline is generally 1% of the sale price.  If the seller is a lender, they may have a minimum requirement that must be adhered to.
 
When does my earnest money check get deposited? 
Within 3 business days after acceptance unless stated differently in the Purchase Agreement.  The money is held the Trust Account by the seller's broker and applied to your down payment at closing.  If the the purchase agreement becomes null and void, the buyer may have to wait at least 10 days to receive the earnest money refund.
How much will my mortgage be? 
This amount will depend on the agreed upon sales price, how much money you put down and whether you are financing your closing costs.  Please refer to a Good Faith Estimate from your lender for details.
 
What kind of financing should I choose? 
There are many different Conventional and FHA mortgages to choose from.  A 15 year or 30-e ...

10 Tips for Home Buyers
 

1. Be selective, but not unrealistic. There is no “perfect” home, just the right home for you.
2. Do your homework before you start looking. Decide specifically what features you want in a home and which are most important to you.
3. Get your finances in order. Review your credit report and be sure you have enough money to cover your down payment and your closing costs.
4. Determine what you can afford. Talk to a lender and get pre-approved for a mortgage before you start looking.
5. Trust in yourself. Limit the number of people you turn to for a second opinion; as it could make your decisions more difficult.
6. Decide when you could move. When is your lease up? Are you allowed to sublet? Do you have a home to sell? Is there an ideal transition time?
7. Think long-term. Are you looking for a starter house with the idea of moving up in a few years or do you hope to stay in this home longer? This decision . ...