Tag Archives: Cumming

Tips for Hiring an Experienced Home Service Professional

Sunday, 23 August 2015 22:00
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CHBA.Fall-2012x600One of the most important things to be aware of when purchasing a home is that there’s no landlord to handle all of your maintenance and repair concerns.  As a homeowner, the responsibility for making sure your property stays in tip-top shape rests on your shoulders, so it’s important to pick your home service professionals wisely.

Yes, when it comes to hiring contractors or other specialists, there are a lot of great professionals out there; however, for every experienced, integrity-driven expert, it’s important to remember that not every company is as qualified or honest as they should be.

Therefore, to avoid problems, consider the following tips:

  1. Temper the Impulse to Select the Bargain Bid – While most of us are primed to seek the lowest price, bids that come in substantially lower than the competition aren’t always the best option. When you’re dealing with home materials, it’s important to remember that cheaper bids will often come from cheaper goods. That’s not to say that higher bids are always indicative of better service; however, if you’re dealing with a company who is offering a quote that is significantly higher or lower than everyone else, make a point to ask why.
  2. Ask for Credentials – Reputable professionals should be thoroughly credentialed, so don’t be afraid to ask for current copies of their license, insurance, and bonding capacity. If the paperwork you’re presented with is either expired or does not cover the type of work you need completed, don’t simply take their word for it. If you have questions about the bonding requirements in your town, county, or state, call your local government for more information and make a point to seek out references/customer reviews.
  3. Establish a Relationship – As with anything in life, communication is important. Your home represents a large financial investment—possibly the largest one you own—so you’ll want to make sure that you completely trust the service professional charged with keeping it healthy. If you have pertinent questions, ask!  If they don’t respond in a timely manner or you feel like they’re simply telling you what you want to hear in the hopes of landing your business, look somewhere else.
  4. Be Wary of Large Upfront Payments – Some jobs may require a down payment to cover the cost of materials, but you should never have to pay the full amount upfront. Be careful if you’re asked by an installer, landscaper, or repair person to make substantial payments before you’re satisfied with their work.
  5. Stay on the Look Out for Scam Artists – While it’s easy to assume that a glossy business card and well-designed website signify a reputable company, professional presentations do not always equate to professional service. If someone comes to your door offering a “free roof inspection” or “discounted fence painting” because they have supplies leftover from another job, it’s wise maintain a healthy level of suspicion.  While not all roofers, contractors, or landscapers who come to your door are scam artists, make a point to ask for a business card and do your research before entering into any agreements.

At the end of the day, you don’t want to be one of the 50,000 complaints that the Better Business Bureau receives each year regarding home service professionals.

Therefore, if you have some work that needs to be done and you’d like a personal referral for everything from a contractor to a plumber, please feel free to contact me.  I work with a variety of wonderful professionals and I’d be happy to make a recommendation.

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789

Featured Neighborhood: Danbury Farms in Cumming, GA

Sunday, 16 August 2015 06:20
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LA-Danbury-FarmsFraser-WB142-small-1200x560Just last month, Lennar Atlanta began selling homes in the lovely Danbury Farms neighborhood in Cumming, GA.  These new, single-family homes, which are located in beautiful Forsyth County are located within a swim/tennis community that boasts close proximity to great schools, exciting outdoor/recreational activities, and a fantastic array of dining and shopping options.

Perfect for growing families, Danbury Farms includes 113 homesites that offer everything from first floor guest bedrooms and granite countertops to stainless steel appliances and hardwood flooring.  With the option of homes sized to 3,100 square feet, prices start in the mid-$300s and include the Lennar Homes Everything’s Included® plan, which lets them provide buyers with the most desirable, detail oriented home appointments based upon extensive research into what features homeowners want to see.

Some of the elements include: brick-front exteriors, professionally landscaped yards, grand entryways, cultured marble vanities in baths, brushed nickel features, crown molding, and gourmet kitchens.

SCHOOLS:

Kelly Mill Elementary – 1180 Chamblee Gap Road, (678) 965-4953

Vickery Middle School – 6240 Post Road, (770) 677-2580

West Forsyth High School – 4155 Drew Road, (770) 888-3470

SHOPPING:

North Georgia Premium Outlets – Dawsonville, GA

The Avalon – Alpharetta, GA

The Collection at Forsyth – Cumming, GA

Northpoint Mall – Alpharetta, GA

The Mall of Georgia – Buford, GA

RECREATIONAL ACTIVITIES:

Sawnee Mountain Preserve – Cumming, GA

Lake Lanier Parks – Cumming, GA

Fowler Park – Cumming, GA

The Big Creek Greenway – Cumming, GA

Haw Creek Park – Cumming, GA

To learn more about this beautiful, family-oriented neighborhood or to schedule a showing, please feel free to contact me at your earliest convenience.  These homes will go fast, so don’t wait!

I look forward to hearing from you soon!

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789

It’s a Sellers’ Market: Advice for Buyers and Sellers

Friday, 07 August 2015 15:20
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verico_lozinski_mortgage_corp_21c47bc6_1e78_1bd7_e8ab_31049851a086Real estate season is in full-swing and the Atlanta market has proven itself to be hot for sellers once again.  However, while phrases such as “bidding war” and “multiple offers” may be welcomed by those looking to get rid of their property, similar words may incite a bit of unease in buyers looking to make a speedy purchase.

Still, while it would be easy to assume that, in this climate, sellers can easily field offers with minimal effort, it’s important to remember that both buyers and sellers need to work hard to make the most of the current market.

FOR SELLERS:

Be On Your Game.  Even in a sellers’ market, traditional real estate rules still apply.  In short, sellers must still put their best foot forward if they’d like to get the most for their home.  Houses that are shown in top condition are much more likely to sell—quickly—in a sellers’ market than those that have been haphazardly cleaned and organized.

With that being said, don’t get carried away by assuming that you can overprice your home simply because the market is currently favoring those looking to move.  At the end of the day, buyers will always flock to well-priced homes that show well.  If it’s not priced right or shows poorly, it won’t sell.

Don’t Drag Your Feet.  If you’ve been lucky enough to receive multiple offers on your property, it’s important to move forward with the most qualified buyer.  Waiting too long can cause a loss of momentum, so pay attention to the buyer who is not only working with a local agent and has their loan lined up, but the one who makes an aggressive offer and expresses serious interest in your home.

FOR BUYERS:

Strategize and Plan.  One of the most frustrating things about a sellers’ market is that, as a buyer, even if you’re serious about purchasing and have made a point to secure reputable financing, you may have trouble either finding the right home or getting your bid picked up.  Therefore, since there’s often little you can do in these types of situations, it’s important to make sure that you’ve crossed your t’s and dotted your i’s in advance.  You don’t want to suddenly find yourself in a great position to have your bid selected if you’re not prepared to move through the closing process.

Avoid Resting on Your Laurels.  Sellers’ markets are all about seeing what you want and moving on it.  Truly interested buyers won’t wait for the open house to decide whether they want to make an offer.  If a home enters the market on Monday, you need to be viewing it on Tuesday and if possible, making an offer within a few hours.  If you make the mistake of prudently waiting a week or two, you may find yourself sorely disappointed.

First Impressions Always Count.  Buyers who move quickly show sellers that they mean business.  Remember, no one wants to wait around, so make a point to make your contingencies and timeframes swift, and take as much risk as possible away from the seller.  Consider moving forward with an inspection prior to submitting your offer so that your bid won’t come with contingencies regarding inspections.

In regards to financing, it’s important to consider the state of our current economic climate.  Securing a loan takes longer than it did 10 years ago, so make sure you’re moving to acquire the necessary funds well in advance.  Plain and simple, if you need to ask the seller for an extra month in order to get your finances in order, you’ll have a difficult time competing with someone who can do it in a quarter of the time.

CONCLUSION:

In the end, regardless of the market, both buyers and sellers need to be prepared for the home sale process.  Sure, it may seem stressful; however, if you make a point to surround yourself with a knowledgeable and experienced team of real estate/lending professionals, you’ll be in a better position to get the most out of your investment.

If you’d like some advice or have a home you’d like to list or buy, please feel free to contact me.

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789

The Fed Announces Imminent Interest Rate Hike: What it Means for Buyers

Tuesday, 04 August 2015 23:23
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101711088-182695069.530x298You may have recently heard that the Federal Reserve has plans to raise interest rates; however, at this point in time, there’s no definite time frame for the shift.  The decision, which is expected to be announced later this year—experts are suggesting the possibility of mid-September—is the result of a healthier economy that no longer needs the buffer that interest rates close to zero have provided over the last 9 years.

In essence, returning rates to historically “normal” levels will not only help keep future inflation from rising too quickly, but will also ensure the vitality of the lending market.

While this type of rate increase often leads to a bit of temporary instability in the market, which can lead to negative issues such as slowed economic recovery and stagnant employee wages, it can also signal higher returns for consumers who consistently save their money.

Still, if you are someone who is looking to borrow the necessary funds for a new home, you’re bound to find yourself in a tight spot if you fail to lock in today’s low rates.  At this point in time, an average 30-year mortgage carries a 3.8% interest rate, which is down from 4.3% about a year ago, so experts suggest that if you’re thinking of buying a home, now is the time to push for loan approval.

If you’re on the hunt for a new home or are simply looking for a competent mortgage professional, I’d be happy to provide referrals and offer guidance along the way.  Please feel free to contact me at your earliest convenience.

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789

Why You Need a Realtor When Buying New Construction

Saturday, 11 July 2015 18:30
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new-constructionAs the economy has improved, so too has the construction of new homes.  What were once sad, empty parcels of land are now beautiful new developments, so it’s no surprise that sales in these neighborhoods have increased as buyers have returned to the market.

Building your dream home can be exhilarating, especially if given the opportunity to not only pick your lot and layout, but everything from your interior finishes to your upgrades as well.  While today’s homebuilders work hard to make the process as easy as possible for potential buyers, it’s still important to remember that purchasing a home involves a large financial transaction that can have an abundance of financial implications if handled incorrectly.

Therefore, while most new housing developments have their own agents on site to assist future homeowners in procuring a home, it’s still extremely important for buyers to maintain their own representation as well.

BUILDER REPS HAVE AN OBLIGATION TO THE BUILDER—NOT YOU.

While builder reps help detail things like the difference between various models and floorplans, as well as upgrades and available financing, it’s imperative to remember that those reps are still contractually obligated to place the interests of the builder first.  Therefore, in order to be sure that your total wellbeing is given priority, buyers should seriously consider utilizing the services of an experienced Realtor who can make sure their wants and needs are placed at the forefront of the deal.

While you may think that you can easily go forth without an agent, especially in the hopes that the builder will negotiate the 3% agent fee back into your pocket, the reality is that they’ll probably keep it unless you have the representation of a Realtor who can research how much negotiating can be done.  Without this outside assurance, chances are good that you may find yourself over paying for your property.

FIDUCIARY RESPONSIBILITY.

Real estate transactions involve a good deal of paperwork and legal considerations which can be difficult to navigate if you are not completely sure how the process should work.  If you’re making the decision to spend hundreds of thousands of dollars on a home, you need to make sure that someone is looking out for your best financial interest.  A Realtor will not only be contractually obligated to protect you, but can help you navigate the various clauses, riders, and upgrade options embedded in the final new-construction contract.

SMOOTH NEGOTIATION PROCESS.

Part of the buying process involves the negotiation of terms, upgrade options, and closing costs, as well as selecting the best financing for your needs.  A Realtor will be able to present other attractive options for financing or will be able to work directly with the builder’s lender to secure a better rate for your mortgage.

A GUIDING HAND FROM SEARCH TO CLOSE.

From here, it’s important to remember that buying a new home is more than the fun process of selecting your finishes and signing on the dotted line.  It also involves everything from working with title companies to attending numerous inspections, so it’s worth having a Realtor on your side who can manage the overall process and ensure you’re not missing anything before the home is completely yours.

Therefore, if you’re in the market for a new home and would like some help navigating the waters, I’d love to make my services available.  Please call me for more information or to set up a meeting.

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789