Mortgage regulations have changed significantly over the last few years, making your options wider than ever! Subtle changes in the way you approach mortgage "shopping", and even a small difference in the way you structure your mortgage, can cost OR save you literally THOUSANDS of dollars and years of expense.
Whether you are buying your first home, or are planning to make a move to your next one, it is critical that you inform yourself about the factors involved.
1. You CAN, and SHOULD get pre-approved for a mortgage before you go looking for a home.
2. Know what Dollar Amount You Feel COMFORTABLE Comitting to -
3. You should be thinking about your LONG TERM GOALS & EXPECTED SITUATION-
4. Make sure you UNDERSTAND what "Prepayment Privileges" & "Payment Frequency Options" are available to you -
5. Ask if your Mortgage is BOTH PORTABLE and/or ASSUMABLE -
6. You should seriously consider dealing with a MORTGAGE EXPERT -
I have quite a few of Mortgage Loan Officers I would love to refer to anyone in any situation.
If you have any questions or for all of your real estate needs. Please, NEVER hesitate to call.
Make it an Awesome Day!
Glen Russell 610.792.3000
What more could any seller want than to get their home sold for top dollar in a short amount of time with no hassles?
I have a few suggestions for sellers before you put your home on the market that will help you find your way to a successful sale!
The main goal is to simplify and depersonalize your home. This will do two things. It will make your home show more spacious, and it will also be a blank slate for potential buyers to see their own ideas they have for the future.
My first suggestions are just non specific basic ideas.
1. Air out your home. Many buyers are turned off by even the smallest odors. Chances are because you live there, you may not notice any smells. If you have any dogs, cats, young children in diapers, or if you are a smoker, this is crucial.
2. Get Carpets Cleaned. Now is the best time to do this. Bare floors should also be waxed and polished. Replace anything that is not fixable through cleaning.
3. Clean/Wipe Down all Woodwork - Doors & Cabinets especially. Use something such as Old English or Liquid Gold
4. Air Conditioners - Replace or clean a/c filters. Clean ALL a/c vents and intake grids. Also, Keep A/C no Hotter than 75, and no cooler than 70.
5. Air Fresheners - Keep on in EVERY room, however, you should stay away from FLORAL scents because they tend to be TOO harsh. A safe bet is usually vanilla or cinnamon.
6. Repaint Walls - In a neutral color such as antique white. Paint is your best improvement investment. Presentation is the most important thing when trying to sell a home.
7. Window Ledges - Clear them of anything, especially if they're cluttered. You always want buyers to get a nice big glimpse of inside and out.
8. Clutter - Ask Yourself "is there anything that is NOT going to make the move." Take your list and throw everything out. Don't wait until the move for you to get rid of excess belongings.
9. Think Positive - Your House WILL sell. Start packing small things that you don't use on an everyday basis. When moving day does come, you will be very thankful you did this.
10. Keep it Simple - NOTHING should touch the floor unless it is a piece of furniture. Remove all baskets, luggage etc. The more floor space the buyer can see the better.
INTERIOR*****
Lighting:
Windows:
Bathrooms:
Kitchen:
Utility Room
Living Area
Bedrooms
EXTERIOR*****
House:
Yard:
Front Entry Porch:
Garage:
Obviously this isn't everything you could do to help your house sell. But it is an awesome start & you would be way ahead of the competition. If you would like any more tips, Please call me anytime!
Make it an Awesome Day!
Glen Russell
610.792.3000
Hello Everyone! Great News!
The Hurricane pushed us back a few weeks, but Limerick Community Day 2008 is rescheduled for September 27th. Please refer to my previous blog for all the fun and games that are planned.
I am looking forward to seeing lots of community members there. Please keep an eye out for The Glen Russell Team's table.
Make it an awesome Day!
Glen
610.792.3000
If you are a first time home buyer, or even if your just a litte shabby on the home buying process, here is a step by step guide that will help explain exactly what will happen when you buy a house with my team and I.
Obviously I can't speak for all agents, but this is the way it works for my sastisfied clients. I guarantee it!
1. Find a Realtor You Can Trust
2. Getting Approved
3. Consulting Session
4.Looking For a Home
5. Your Offer (Be Careful) This is a BIG Step
6. The Accepted Offer (Things are Moving Faster Now)
7. Inspections
8. Finalize Lenders Commitment - Sign Loan Documents
9. Your Finally Home!
Please feel free to call me with any further questions you might have on the home buying process or any of your real estate needs.
Make it an Awesome Day!
Glen Russell (610.792.3000)
WWW.GlenRussell.Com
The Ten Commandments
When applying for a Real Estate Loan
1. Thou shalt not change jobs, become self-employed or quit your job.
2. Thou shalt not buy a car, truck or van (or you may be living in it)!
3. Thou shalt not use charge cards excessively or let your accounts fall behind.
4. Thou shalt not spend money you have set aside for closing.
5. Thou shalt not omit debts or liabilities from your loan application.
6. Thou shalt not buy furniture.
7. Thou shalt not originate any inquires into your credit.
8. Thou shalt not make large deposits without first checking with your loan officer.
9. Thou shalt not change bank accounts.
10. Thou shalt not co-sign a loan for anyone.
They may sound like common sense, but breaking any one of these rules could endanger everything you've worked towards!
Make it an Awesome Day!
Glen 610.792.3000
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Seving all of Montgomery, Berks and Chester County with a team of 9. My team & I have been the No. 1 Sales Team at Keller Williams Realty Group for 2 consecutive years.
** The Glen Russell Team has been the Number 1 Sales Team at Keller Williams Realty Group for 2 consecutive years! **
* Why hire 1 agent, when you can have an entire team? With the Glen Russell Sales Team, you get a whole team of professionals working for you. We never run out of time for you, because each of us is responsible for a specific process in the purchase of your home. Together, our combined efforts add up to superior customer service
* Glen offers specials & promotions to best fit your needs! These include learning how to sell your property yourself, while it's listed and pay no commission, a flexible commission schedule, the ability to cancel your listing at any time, a "no pressure" presentation, no advanced fees of any kind, and learning how to stage your home.
* There are a variety of offers ONLY Glen can give! Such as: "Your home SOLD or I'll BUY it, GUARANTEED!" "If you are unhappy for Any reason with the home you buy, I will BUY it back or sell it for FREE!" There is also Right Now Access, when you have priority access of every home and/or new listing just as if you were a MLS realtor!
The Glen Russell Team list and sell real estate in: Montgomery, Chester, and Berks County.
ONE SATISFIED CLIENT AFTER THE NEXT....
"The Team excelled at customer service. Getting back to us and answering all of our questions were no problem for them. We would use Keller Williams Realty & The Glen Russell Team again! We couldn't think of one thing they could improve upon." The Faiths
"We had a unique situation and the Team never gave up trying to find the right home for us. We have used the team more than once. Several of my family members have used the Glen Russell team for their real estate needs. They did an excellent job overall and always stayed in touch with us." - The Schaeffer's
"We had found a home we really wanted soon after listing ours. Glen calmed our fears of not being able to move forward by guaranteeing the sale of our home in writing so we could put in a firm offer with no contingency. Even better, the Team sold our home for more than our asking price in time to close on our new house. When we sold our first home with Glen, he offered an 18th month guarantee. If we were not satisfied he would sell our house for free. We decided to move within the 18 months, and his team sold us the home we always wanted - for FREE! Thanks Glen Russell Team!" The Santangelo's
"The very best realtor I've ever had; he's exceptional! Glen Russell helped me out so much. I can't say enough good things about all he did for me. He was always there to answer any question I had, and made me so relaxed during the whole process. He sold both of my homes in 3 days!!!!! The Glen Russell Team will never let you down." Dawn Wrenfrow 2005
"The Glen Russell Team excels at following up with phone calls and attention to detail. I felt like I was taken care of and someone was always in my corner. I would use The Glen Russell Team again. - Megan Bell
"In these uncertain times in the real estate market, we turned to the Glen Russell Team to sell our house. Having used the Glen Russell Team in the past, we knew that Glen and his team would be aggressive in marketing our house. To our delight, we received an acceptable offer within 10 days of listing the house. We were hoping for it to sell quickly, but never dreamed it would have happened so fast. We give thanks and credit to Glen and his team for marketing and ultimately selling our house. The entire selling process could have been a stressful time for our family, but thanks for Glen, it was a seamless transaction. It just goes to show you, if you hire the right realtor, your house will not sit on the market even during a slow period." Yvonne Rantz 2008
"I have had the distinct pleasure of working with the Glen Russell Team twice. The first time was to sell my mother's house. During this extremely stressful time, Glen was always available to take my call and answer every question I had. He had a list of contractors available, and I used several of them to work on the house. They all did great work and were very reasonably priced. Glen made solid suggestions and by following them, the house sold in 2 hours at our asking price. A year later, I went to the team again, but this time to sell and purchase a home for my family. I worked with Coleen and she was always willing to answer any of my questions and handle everything that i threw at her. She was extremely professional and such a pleasure to work with. Again, with the suggestions from Glen we were able to sell our home in 5 days. After a lot of hard work, this team put my family in our dream home! I have been tremendously pleased and satisfied with the energy of the Glen Russell Team. I would recommend this team of professionals to anyone buying or selling a house." Pam Myers 2005
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