Tag Archives: Home Ownership

10 Tips for a Home That’s Safe and Sound

burglar4There is little that is more important than feeling secure in your own home. While we can only control a small bit of the world around us, here’s some basic information to keep a home safe.

The goal of securing your home is two-fold: protecting your possessions, but also protecting the people who live there. Security professionals advise “deter, detect and delay” tactics. These 10 tips cover a lot of ground, so keep them in mind and you will be well on the road to greater peace of mind.

1. Check your doors, windows and all locks: Deadbolts and secure, steel outer doors are important, as are secure windows that lock. A huge majority of burglaries are no-force entries, where culprits gain access to your home through an unlocked window or door, so check them frequently. Keep trees and shrubbery trimmed to prevent access to windows and decks on upper floors. If a door or window is in an out-of-the-way place that is easily accessible, consider securing it with bars or an outer security door. Simply placing a piece of wood in sliding glass doors or windows can prevent entry. Automatic garage door openers ensure that access to your garage is controlled. Studies show that the more difficult it is to enter the home, the greater the chances are that the burglar will move on.

2. Have adequate lighting: On the outside of your home, lighted entryways and flood lights with motion sensors ensure that everyone, including you and your neighbors can see who is entering your abode. However, care must be taken to replace burned out or disabled bulbs, and to place such that there is minimal annoyance to neighbors. Inside your home, ensure that there is adequate lighting so intruders are easily visible.

3. Create limited entries with a perimeter and gate: Gates and fences can provide a feeling of stable security or of paranoia, depending on how they are used. Tasteful fencing can create a feeling of “place” that provides a positive look and feel to your home, while also adding a deterrent and a delay to criminals. Limiting vehicular traffic to your property and creating barriers to individual entry make your valuables more difficult to remove, and cameras at these points of entry can more effectively capture any activity.

4. Be a friendly and observant neighbor: Neighborhoods with a “community watch” where each person is looking out for the next provide a sense of security. Generally people know each other and who lives where. This activity makes it easier to talk about crime and helps homeowners to solve problems. Let neighbors know that you are crime conscious, and encourage them to be so, too. Provide your neighbor with contact information if you are leaving on vacation so that they can be in touch should there be unusual or unexpected activity around your home.

5. Be discreet: While you do want neighbors to be informed to some degree, advertising more widely that you will be away from your home is less desirable. When seeking to find a house sitter or pet sitter, avoid advertising the dates of your travel. With an increase in social media and local email lists, people who are outside of your immediate circles could gain access to your plans and make use of that information.

6. Put on a good show: When you are going to be away from home for any period of time, one deterrent might be to make it look like someone is home. Often people who break in are simply looking to steal valuable items and prefer not to encounter people at all. Keep shades as they would normally be open or closed, and use timers to control lights and even music. Increasingly, “smart home” technology can enable homeowners to control the environment from a distance. Consider stopping deliveries or better yet, have someone stop by daily or stay in the home to pick up mail and newspapers, and to check on the house while you are gone.

7. Get a dog: In addition to companionship, a dog could be an excellent deterrent to a burglar. Barking serves as an alarm, helping to detect an intruder as well, but often seasoned criminals know how to deal with dogs by feeding them treats (sometimes laced with poison) or locking them in a room. Still, this added unknown might keep a less determined stranger away.

8. Get a security system: There are many types of systems with and without monitoring available. Some produce loud alarms that are designed to alert neighbors, others are silent and contact police. With the advent of inexpensive cameras, homeowners can set up video surveillance as well. While it is good to have a system in place and to post that a system is in use, beware of giving away too much information so that criminals don’t know which system they are dealing with. Typically these systems monitor entries, but many also include motion sensors. Using these systems requires some understanding on the part of the homeowners so that false alarms are not triggered. Also note, these systems require power to run, so during power outages unless there is a backup power source they will not be functional and other preventative steps will be required.

9. Get a safe: Using a home safe to secure valuables, guns and ammunition is an excellent idea. Consider using it to store important paperwork, like deeds, wills, other legal documents, social security cards, passports, as well as computer backups and photos. While safes are often quite heavy, ensure that they are bolted down so they might not be easily stolen in their entirety. Safes can also provide critical “delay time” – enabling police to arrive before the contents are looted.

10. Don’t leave your keys around: If a burglar sees a car in a garage or driveway and the keys are present, the temptation might be too much. In fact, you might be providing a vehicle to take more items than the burglar was intending to originally take! Keys to additional homes or properties are invitations, as well. Have a place for keys that is not well known or easily seen.

Having an eye for security can be like a game. The winning move is to create a home that provides you with a real feeling of security because you have addressed the issues. It isn’t paranoid to “think like a criminal” and imagine that your home is full of valuables. Take the time to follow these tips, and you can deter, detect, and delay crime in your home.

Marie Dinsmore, Certified Luxury Home Marketing Specialist

The Dinsmore Real Estate Team  |  www.dinsmoreteam.com

Marie@DinsmoreTeam.com | 770-712-7789

Traditions: Update on this New Lifestyle Community in South Forsyth

Interest still remains high in this fabulous new 400-home community in South Forsyth County, Georgia, and I will continue to post updates as I have them.   The latest update we received was regarding the initial park plans.

When complete, Traditions will have over 10 parks throughout the 158-acre community.  At the end of this post you will find the initial designs for Phase I parks and inspirational imagery.

Phase I should be completed by mid-2014.  

If you are interested in this fabulous new community, please contact me before the choice lots have been taken.

Traditions will feature amenities for families of all ages including playgrounds, sports fields, tennis courts, a signature pool and lakefront clubhouse as well as multiple parks and open spaces sprinkled about the community. All of this will be within walking distance to Fowler Park and the Big Creek Greenway Trail. In addition, a grocery-anchored neighborhood marketplace with pedestrian access from Traditions is planned directly adjacent to the community.

The homes, ranging from $300,000 to $500,000, will be designed by the award-winning architecture firm Wakefield Beasley and will include standard features that would be considered extras in other communities.  Local artists and designers have also been contracted to provide unique touches to Traditions homes and its outdoor amenities, creating inspiring outdoor spaces and floor plans for today’s busy family.

Marie Dinsmore, Certified Luxury Home Marketing Specialist

The Dinsmore Real Estate Team  |  www.dinsmoreteam.com

Marie@DinsmoreTeam.com | 770-712-7789

Traditions Park - 1

Traditions Park 4

Traditions Park 3 Traditions Park 2

Why Realtor Certification Matters: CDPE

I’ve been a Realtor along the GA400 corridor (covering Milton, Alpharetta, Cumming, Johns Creek, Suwanee and Dawsonville) since 2002, and have helped more than 300 families buy or sell a home in the area. My experience and knowledge of this market is extensive. With over 12 years’ experience in the Real Estate Industry, I realize the importance of being able to assist my clients with not only their buying and selling needs, but also to be able to help those in need during difficult financial times avoid foreclosure.

Through years of experience, I have developed what I believe is the most effective short sale listing system available: understanding what works; how banks think; and how to get banks to forgive outstanding debt associated with short sales.

In a previous blog, I explained the importance of having the CLHMS (Certified Luxury Home Marketing Specialist) certification.    This time, I would like to explain the CDPE certification.

CDPEA Certified Distressed Property Expert® (CDPE) has a thorough understanding of complex issues in today’s turbulent real estate industry and knowledge of foreclosure avoidance options available to homeowners. CDPEs can provide solutions, specifically short sales, for homeowners facing market hardships.

Homeowners regularly proceed without guidance of any kind through the often financially and emotionally devastating prospect of foreclosure. Speaking with a well-informed, licensed real estate professional is the best course of action for a homeowner in distress. Through comprehensive training and experience, CDPEs have the tools to help homeowners find the best solutions for their unique situations and to avoid foreclosure through the efficient execution of a short sale.

So what is a short sale?

A short sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to these transactions. Recent changes in corporate policy and the Obama administration have also improved the chances of getting a short sale approved.

But to be technical, here’s a more official definition:

  • A homeowner is “short” when the amount owed on his/her property is higher than current market value.
  • A short sale occurs when a negotiation is entered into with the homeowner’s mortgage company (or companies) to accept less than the full balance of the loan at closing. A buyer closes on the property, and the property is then ‘sold short’ of the total value of the mortgage.

For homeowners to qualify for a short sale, they must fall into all of the following circumstances:

  • Financial Hardship – There is a situation causing you to have trouble affording your mortgage.
  • Monthly Income Shortfall – A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
  • Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

This seems simple enough, but it is a complicated process that takes the expertise of an experienced professional. CDPEs don’t merely assist in selling properties, they serve and help save their clients in need.

While the market has shown definite improvement in the North Atlanta area, you or someone you know may still need advice on how best to avoid foreclosure during difficult financial times.   Please contact me if you have any questions regarding the short sale process.

Marie Dinsmore, Certified Luxury Home Marketing Specialist

The Dinsmore Real Estate Team  |  www.dinsmoreteam.com

Marie@DinsmoreTeam.com | 770-712-7789770-712-7789

Home Price Increases Continue in Atlanta

Below is a great article from the Atlanta Business Chronicle that I thought I would share.    Please see the original article here.

***

Jan 7, 2014, 10:23am ESTMetro Atlanta home prices spiked 15.7 percent year-over-year in November, according to the latest date from CoreLogic.

Jacques Couret
Senior Online Editor and Social Engagement Manager- Atlanta Business Chronicle

Metro Atlanta home prices spiked 15.7 percent year-over-year in November, according to the latest date from CoreLogic.

The real estate data firm’s monthly home price index also showed house prices appreciated 13.3 percent in Georgia — fifth highest in the nation.

Nationally, November home prices rose 11.8 percent compared to November 2012 and were up 0.1 percent over October 2013.

“The housing market paused as expected in November for the holiday season with very low month-over-month appreciation,” said Mark Fleming, chief economist for CoreLogic, in a statement. “Our pending home price index projects that home prices will grow by 11.5 percent for the full year 2013. That will make 2013 the best year for home-price appreciation since 2005.”

Hiring Help for Home Improvement Projects

home repairWhether you are in over your head or juggling too many tasks, hiring help can be a great idea. Projects can benefit from specialized expertise, more work can be accomplished at one time, and as a homeowner you can step back from the tasks at hand to get a wider perspective. The time and energy you save may more than offset the expense.

However, trouble ensues when the wrong help is hired. Establishing what you want to accomplish is essential, so size things up thoroughly. When looking at a specific project or problem, you might benefit from having a few people look at it and offer ideas of how they might approach a solution. Sometimes the first ideas are not the best, and as you look at issues, new priorities emerge. Are you looking for an interim fix that will carry you through until you can “do it right”? What is the scale of the project and is the cost/benefit in line with your budget and goals? Asking the right questions will help you gain insight into the true nature of what you are doing.

For example, let’s say that you have three projects at hand:

  1. You need cosmetic fixes to your guest bathroom.
  2. The deck that is central to your summer enjoyment is rotting and requiring a lot of time and attention so that it can be used safely.
  3. Your septic system is failing.

How do you begin to find help for these projects? You might begin by understanding the level of help that you need. Do you want to supervise or do only a portion of the work? Do you need a handyman or general laborer? What are the benefits of getting someone more skilled with the type of help you require? What is the scope of the project? Will there be permitting/inspections involved with the project? Who is going to manage the project?

A failing septic system becomes a health risk, and often requires sign-off by a licensed professional. Deck projects can fall into a grey area, but when incorrectly built could pose a major safety issue. When in doubt, inquire with your local building authority so that you are certain that you are following the correct course of action, and getting the permits and inspections that are required by law.

Get referrals: Rather than trust your job to luck, find out if friends or family have used a person or service that they would recommend. Many online resources exist to help see the consumer ratings for businesses, but this information could be less than reliable, so check it thoroughly. Look for workers or service providers that are licensed, bonded and insured as protection for both parties should an accident occur on site, or problems with the project later incur liability. Licensure ensures a level of knowledge in an area, and insurance and bonding ensures that there are financial resources available should you need to bring a lawsuit against the service provider that requires a monetary settlement or costly repairs. Yes, you might be paying more for a professional with these credentials, but in the long run, it is worth it when working on any project where money or safety is at stake.

Check those references! Yes, actually talk to people who have previously received services. Find out the details: Was the project finished in a timely manner, within budget, with quality work and materials? How was the communication? Were there surprises, and how were they handled? Was the area cleaned up to satisfaction? In the event that there was a problem after the work was complete, how was that handled? Check with the state department of licensing to see if there have been violations or lawsuits against an individual or company, and the Better Business Bureau can help determine if there have been complaints filed against the business. Look at samples of their work — and talk to those whose projects have been shown. If you find someone great, let them know you might have more work — and find out who they might recommend if they were not available!

Face Value: Meet with the handyman or service provider and get a feel for how things might go if you hired them. If it seems difficult to discuss the project or work prior to beginning, imagine how things might go if the work gets challenging. Even if others recommend this person or service, you are the one who will be dealing with them now, so size them up for yourself.

The Devil is in the Details: Get written estimates and contracts. Understand how payment is expected. Some short jobs are accomplished with no payment up front, other jobs require that materials are paid for as delivered, and some providers require some payment prior to the beginning of work. Arrangements that allow for payment once the job is completed, ensure that the customer has some feeling of control over the job being completed to their satisfaction. Be certain that estimates and guarantees are in writing so that there is clear communication about expectations.

Marie Dinsmore, Certified Luxury Home Marketing Specialist

The Dinsmore Real Estate Team  |  www.dinsmoreteam.com

Marie@DinsmoreTeam.com | 770-712-7789