Super Smart Real Estate

Did you know most Realtors want to DO AWAY with home inspections. They are THE source of most issues in home sales. I have a different solution… Let’s use them to our advantage. Here’s how to you can make more or get more using home inspections. * What is a home inspection] * Increase chances of repairs being accepted by seller * Leverage inspections to get a discount on your purchase price * As a seller the ONLY important thing is the bottom line / cost & timelyness of repairs * How to prepare yourself for home inspections as a seller * Avoiding complaints about quality of work * Getting deeply discounted repairs through home warranty companies * and more… Quick Tips from Matthew: Home inspections are a highly debated topic among Real Estate Agents. Inspections are intended to find hidden defects in the home. Items that would effect the buyer’s decision to purchase the home. I see home inspections as a tremendous advantage. We have seen buyers who are fair with the seller get much better deals than otherwise. We have also seen sellers who are prepared for the inspections get top dollar, and quick closings. Referenced Materials: * Self Home Inspection Checklist [http://www.supersmartrealestate.com/wp-content/uploads/2017/01/Self-Home-Inspection-Checklist.pdf]look through this list prior to putting your home on the market. These are buyer objections and inspections requests Matthew Jeschke has seen selling homes in Arizona. * Matthew Jeschke’s Website Keys to Arizona [http://www.keystoaz.com]here you can view Matthew’s work as referenced in the podcast. Contacting Matthew Jeschke: If you are looking to buy or sell Real Estate in Southern Arizona MAKE sure to contact Matthew. He works throughout Pima, and Santa Cruz county. You can reach him at 520-344-3481 or on his website at http://www.keystoaz.com/contact-us/ [https://i0.wp.com/www.supersmartrealestate.com/wp-content/uploads/2015/01/sahuarita-realtor-matthew-jeschke.jpg?resize=637%2C373] [https://i0.wp.com/www.supersmartrealestate.com/wp-content/uploads/2015/01/sahuarita-realtor-matthew-jeschke.jpg]

As you sit here quietly reading this article you will realize improving your credit score is easier than you thought… Improving your credit score may sound like an impossible task especially when you just want to take advantage of the excellent housing market. You may feel discouraged, even give up prematurely especially if a lender has turned you down for a home loan. Even if you do qualify for a home loan, a better credit score may help you qualify for a lower monthly payment! So you ask, “How do I improve my credit and get the home I desire?” That my friend is an excellent question! GIVE ME 5 MINUTES AND I WILL SHOW YOU HOW TO IMPROVE YOUR CREDIT SCORE SAVING THOUSANDS ON A HOME LOAN IN THE PROCESS – LET ME PROVE IT – FOR FREE Polishing your credit score is actually quite easy.  The hardest part is time.  Some of the factors evaluated in your credit score take time to clean themselves up.  Here are a few things you can do right now to improve you credit score, Tip 1:  Pay off your credit cardsThis is probably the biggest immediate impact you can have on your credit score.  Carrying a balance on your credit cards reflects very negatively on your credit score.  The closer the balance is to the credit card’s maximum the more it tarnishes your credit score.  Pick your credit card which is closest to it’s maximum balance.  Pay it off then work your way through your cards paying each one off. Tip 2:  Build a clean payment historyChoose one of your credit cards, preferably the one with the highest limit, to use for personal expenses.  Diligently pay off the entire balance at the end of each month.  This creates a record of on-time payments which reflects well on your credit score. Tip 3: Close extra credit cardsTake your credit cards with the most recently missed payments.  Call the credit card companies and close them out.  This pushes those missed payments further down on your credit report reducing the impact on your credit score.  Note: If possible keep 3 credit cards open to avoid completely erasing your payment history.  The higher the credit limit the better. Tip 4:  Check your credit reportYou may be surprised to find unknown creditors; other people’s credit history; identity fraud; blatant typos; and other surprises on your credit report.  Such mistakes are quite common so make sure to take advantage of your free anual credit report at,www.annualcreditreport.com [https://www.annualcreditreport.com/] Tip 5: Consult an expertCredit repair services are offered everywhere.  The best services are typically offered, for FREE, by lenders.  Many of them will sit down with you one on one and explain how to repair your credit.  I highly recommend doing this as everybody’s situation is different. INTRODUCING IAN BRANNON, SENIOR LOAN OFFICER & HOME FINANCE EXPERT In the below discussion, Ian Brannon spills all of his best tips about improving credit scores.  These tips apply to any credit agency, and any credit score.  They work equally well for home loans, car loans, anything that requires a credit check.  Plus there are tips that even you can complete with ease.  You are going to love it! Also, leave a comment on this article to let me know your favorite piece of advice from Ian Brannon.  Additionally, if you have any interesting stores to share about your difficulties with home loans, tell those too. Listen to this audio now and learn: * A foolproof method to improve your credit score in 15 minutes * What keeps most individuals from having good credit (not time) * How credit score influences the loan amount you qualify for * Smart ways to avoid over extending yourself * The perfect time to apply for a home loan * How to take control of your credit score for good * And more > Click here for a printable credit repair checklist [https://docs.google.com/document/d/1YHHUydsillYFbPCioUp4lA17tPlOeIjYYRE1AU-7Kg8/edit?usp=sharing] Want to know more about Ian Brannon? Ian Brannon obtained a degree from Cal Poly in 2002.  He went to work for a major bank as one of the top producers in Northern California.  After a few years he moved back to Tucson Arizona to continue his career in home finance.  He has prided himself in helping thousands of individuals good credit, bad credit and all circumstances to qualify for their dream home.  You can reach him at ian.brannon(at)novahomeloans.com or by phone at (520) 618-5636 Note: I highly encourage you to request licensing info for any loan officer you work with.  Here are Ian’s Credentials – NMLS 205989 / BK 0902429 / Nova NMLS 3087 [https://i0.wp.com/www.supersmartrealestate.com/wp-content/uploads/2014/12/unnamed.jpg?resize=640%2C118] [https://i0.wp.com/www.supersmartrealestate.com/wp-content/uploads/2014/12/unnamed.jpg]

confused about life insurance? Meet too, I don’t want to die let alone think about it. But there’s so many more amazing things you can do with life insurance and NOT die. Jared Grant shares them with us in this awesome podcast. Check it out, * What is life insurance * How to take care of family in event of death * Why coverage is important even person has no income * Term vrs whole life and different kinds of life insurance * How to receive a tax benefit * Mortgage protection plans versus life insurance * What coverage amounts make since * How to identify best providers * What factors into premiums you pay * and more Quick tips from Jared The most interesting thing I hear Jared share was, many people don’t consider life insurance if the person is not working. For instance, a stay at home mom. However, if that person passed away you would not only have grief but a loss of help. You may have to hire a nanny, or employ daycare services. This is one example of where life insurance is so helpful. Nobody can ever replace the loss of a loved one but money helps so you do not experience additional hardship while mourning your loss. Sites referenced in Podcast * Jared’s Website [https://www.farmersagent.com/jgrant] (FarmersAgent.com/jgrant) [https://www.farmersagent.com/jgrant]visit this site to put in for an online quote. More information I encourage you to follow up with Jared directly at (520) 447-7900 and obtain a no obligation quote today. Jared is awesome, and will educate you on exactly what’s right for you even.

Everybody should build a new home at least once in their lifetime. It’s GREAT fun. Here are a few tips you should know before speaking with a builder. * How to get the best deal on a new home * Who is looking out for your best interests and who’s looking out for the builder * Locking in any incentives offered * Making sure all the small details are documented * Creating a budget for the design center * Negotiating with the builder what they will and will not adjust * Getting your lender’s costs paid for versus going with builder’s lender * Finding a agent at no extra cost to you (aka free) * Getting extra money for design center options * How to make sure all your options are built into your home * and more Quick tips from Matthew Building a new home is one of the most fun things you can do. It is however, VERY complicated with a LOT of variables you need to properly document. Always chat with a buyers agent about building a new home before you visit the builder. Negotiating with builders is much different from negotiating on resale and you can easily get lost in the details so it’s important you focus on (1) base price and (2) budget for the design center. Shoping your options, financing, and previewing resale homes first is a must. And lastly remember the builder’s agent represents the builder. They are contractually obligated to get the builder the most money. Your agent is contractually obligated to represent you. Ensuring you have a fair deal means equal representation for both parties. Builders love buyer’s agents and are happy to pay for yours on your behalf. We add a lot to the transaction and make for a smooth process for everybody involved. Items referenced in Podcast * Building a new home checklist [http://www.supersmartrealestate.com/wp-content/uploads/2016/01/SSRE014-building-a-new-home-checklist.pdf]make sure to print this off before you start your search for a home builder.

Thinking of attempting a “For Sale By Owner”? Here’s a few quick tips to get your home on the FSBO marketplace. * What is a FSBO * Why is FSBO risky * How to purchase buyers for a nominal fee * Finding & qualifying buyers serious buyers with an online ad * Transferring clean title * Collecting sale proceeds * Making your home appealing to buyers * Get a free listing ad * How to sign your home for sale * Creating flyers * and more… Quick Tips from Matthew The key to success in selling any home be it with an agent or on your own is presentation. You need to present your home in a good light and serve your home up for the marketplace / buyers to see. This starts with preparing your home for the market: fixing broken items, decluttering, cleaning, and touching up. Then you’ll take pictures, video and create an online ad to serve the home up to potential buyers. Sit back and wait for hits on your ad. You may also need to pay for a buyer’s agent to bring you a buyer as Agents are working virtually all the buyers in the marketplace. Podcast References * Listing Tutorialthis online class walks you through getting your home on the market. It’s from the perspective of clients working with an agent to list their home. However, will be VERY valuable to go through if performing FSBO.Note this class is currently being offered for free, but may be a pay class in the near future. * How to sell, “for sale by owner” checklist [http://www.supersmartrealestate.com/wp-content/uploads/2016/01/how-to-sell-a-for-sale-by-owner-aka-fsbo-with-matthew-jeschke.pdf]print this checklist to guide you through the FSBO process. More Information Call Matthew Jeschke at (520) 344-3481 / matthew@keystoaz.com if you tried doing a FSBO and are ready to work with an agent to listt your home. Matthew and his network of agents are in Southern Arizona and happy to guide you through the process.