Ohio is a great place to build a home, purchase a home, or select some great investment properties. Whatever reason people choose, there are many ways Ohio is putting itself on the real estate map. Some people like to be near big cities like Ohio's capital, Columbus, while others like to be away from the noise in more rural areas with less traffic. Ohio State University is in Columbus, boasts a strong economy, shopping, and activities. Other regions of Ohio boast natural wonders and places to get away from the hustle and bustle. Whatever reason people choose, there is something for everyone in Ohio. 

Cost of Living

Compared to other states in the midwest, Ohio has a relatively low to medium cost of living. The list price per square foot rest around $100. With appreciation on the upswing, there are expected gains for buyers who find the right property in the right market. Some of the best places to live offer half the cost of living in other big cities in states like Indiana and Illinois, with Chicago ranking as one of the more expensive cities to live in the midwest. 

Amusement Parks and Entertainment

People love to come to Ohio for entertainment. World-class entertainment districts and amusement parks reside here. From Cedar Point in Sandusky to Kings Island, there is never a dull moment in Ohio. Kings Island, located in Mason, is one of the largest amusement and water parks in the Midwest. Not only that, but Columbus boasts a world-class university with an entertainment district boasting arts, cinema, and a thriving holistic and organic scene focused on bringing natural foods and brews to the area. 

Amish Country

One unique feature of moving to Ohio is learning about the largest Amish population in the country. Tourists come from all over to purchase furniture, food, and to learn about their way of life. Within close proximity are shopping, restaurants, and lodging. Explore more about the Amish culture while checking out how they make their beautiful furniture and try to live a simpler life that has inspired people for decades. 

Sports

People love sports and enjoy their teams. From college teams to professional leagues, Ohio has it all. There are some people who get really into sports and others who just like to be a patient observer. There are many ways to be athletic outside of sports and go find places to hike or bike and explore some of the many wonders in the area. Nature parks, reserves, and waterways make it a fun place to visit for a weekend but many choose to stay for a lifetime. 

Nature

Hocking Hills State Park is not from Logan. This state park features caves, cabins, waterfalls, ziplines, and hiking trails. If people want to canoe, kayak, or fish, they will find it there, too. Annual festivals in Ohio include food, beer, music, and natural wonders to explore. Near Cleveland and Akron is Cuyahoga Valley National Park, along the Cuyahoga River. To the north is the Canal Exploration Center which looks at 19th-century waterways. Brandywine Falls is one of many waterfalls to explore. The railroad runs right through the park. This, and many other natural wonders, are part of living in Ohio, and why people love to build homes here.

With great schools, smaller cities, and low cost of living, it makes sense for people to consider Ohio for their next home purchase. Families love living here and people often find they don't want to live anywhere else once they've had a taste of what Ohio has to offer. 

People love to explore different places to get a sense of what it will be like to live there. With Ohio, you can never go wrong with all the wonderful ways it captivates people's attention. Nature, schools, parks, cities, and more create a great place to live for individuals and families alike. Contact Choice Properties to have one of our professionals talk to you about available properties you might consider for your next home or investment.

Spring is coming. Homeowners are looking for ways to get the house spring cleaned and ready for prospective buyers. Where to start is often the challenge. Depending on how routine maintenance and cleaning have been, this may be an easy or difficult task. A thorough cleaning makes the home stand out more than one that only looks good on the surface. People can usually tell a deep clean from surface clean. Prospective buyers need to envision themselves in the home. 

Clean Up and Ship Out

The best rule of thumb when spring cleaning is to get rid of things that don't belong. This may be old clothes that have not been worn or old furniture that won't be going to the new place. Reduce the amount of clutter and donate to a good cause at the same time. It is well worth the investment to stage the house for prospective buyers by taking time to bag up clothes, toys, papers, and documents that can be shredded. It also helps to put things in storage so they are out of the common areas where people might see them (like too many books, DVDs, or personal items).

Outside Clutter

Nothing is less appealing to prospective buyers than a home's exterior that has not been maintained. The outside of a home is important as a first impression. Curb appeal is important because house hunters go off first glance to request a showing. Some key tips to consider:

• Lawn maintenance matters. Keep the lawn free and clear of clutter and long grass in spring or summer. Keep it free of leaves and make sure the hedges are trimmed
• Clean up gutters and downspouts of debris to make sure it is flowing well
• Spruce up flower beds, add additional plants, or trim some hedges to clean up landscaping
• Put out a new mat that welcomes prospective home buyers to the property
• Add a few touch-ups to paint or exterior siding that will help make it look more presentable

Windows

Make sure all the windows are clean. Homes are better with blinds and curtains pointing up. A clean window still gives more light into a room and gives buyers a chance to get a clear picture of the interior of the home. Make sure to clean and get rid of streaks. Check sliding doors, large windows, and outside doors, too.

Little Things Matter

Look at all the little pieces of the home from the perspective of a potential buyer. When looking around, think of it as whether someone will think a quirk is just a quirk or if it needs work. Things that are loose and squeaky may need extra love for the moment. If knobs are missing or loose, it is best to replace them.

A small amount of cleaning goes a long way. Don't hesitate to speak to a real estate professional about getting your home spring cleaned and ready for sale. It takes a village to get it done right. Be sure to put in the time and effort now. It will pay dividends in the future.

Even if cleaning is not your favorite part of the sale process, we can help make the rest easier. Our goal is to support you as you search for that perfect property and sell your current home. We help you navigate the home inspection process, spring cleaning, and everything in-between. Let us know how Choice Properties can help you through the process. 

Buying a home can be a challenging process for young people. Millennials are buying homes at a higher rate than ever, but there are some caveats. A home inspection, while routine, should be taken seriously. From ground to roof, the entire house will be evaluated for fitness to purchase. This means the inspector walks through, documents the state of things, and points out any issues. Know what to look for in an inspection and how to know if this is a make-or-break issue during the process. 

Water Issues

Managing water starts with the exterior of a home and goes inside. One of the biggest contributors to a failed inspection is water leaking, damage, or other issues with water management. Foundations may be compromised, causing issues down the road. If water is managed well, this can help the cause. If the house is poorly managed, then water may continue to erode the foundation, seep into the home, or cause other damage. Inside the home, well and septic systems should be inspected along with filters and water heaters to make sure they've been maintained on schedule without issue.

Look Above and Below

Although the foundation is very important to a home, so is the attic. If the attic is not properly ventilated, the roof will not last to its full expectancy. Insulation in the attic is important, along with knowing how well it stays cool in summer and warm in winter. Airflow management is essential, but so it's keeping it well maintained.

Maintenance Challenges

Young buyers may be more eager to get into a dream home and start to work on creating that perfect property. To keep it in the best condition possible, there is a significant investment of time (and money) required. Homes built in the 1970s and earlier, in particular, were not maintained as well as necessary. Some have been given a few upgrades here and there, but not kept up well enough to escape constant upkeep. To keep dirt and debris buildup near doors and other areas, it means work. Upkeep and maintenance avoid big issues like the replacement of parts and systems down the road. 

A home inspection is done to keep the potential buyer aware of any issues that may come up. It does not guarantee there are no other issues or this will fix everything. The key is to stay on top of what needs immediate attention and be willing to go the extra mile to keep things updated as needed. Put away an emergency fund and look into a home warranty as ways to save some money for when things need repairs or replacement down the road. Most of all, enjoy the process of finding the right home. 

Families often look for that perfect home without realizing all homes have their issues. Choice Properties helps many families and individuals look for that perfect property. We make sure from the start until inspection and beyond you are happy with your home search and purchase. Call us to find out how we can partner with you to find the perfect home to suit your needs.

Real estate professionals often say the best time to buy a property depends on the market. Depending on where a person lives, there may be variations on when the best time is to sell a home and buy a new one. The property search can take some time. Springtime is when the market becomes flooded with properties, for sale in time for summer to end and school to begin. Buying a property in springtime never looked better. Find out why and how to get started.

Know Your Springs

Springtime is different depending on who you ask. The natural home-buying season starts around April and goes until June. After mid-June, sales and purchases may decline as people take a vacation and go away for summer trips. Springtime home buying can apply to other months of the year. In warmer climates, this means January through May. In the Midwest, this can begin when the snow melts and people start to warm to the idea of selling or buying with the winter thaw. Don't think too long and hard about timing. Speak to a real estate professional for advice but definitely do what feels the best when it feels like the time is right. 

A Little Prep Goes a Long Way

Depending on where a buyer lands, it may be helpful to spend time in the new place if possible. Check out the local scene, the schools, neighborhoods, and entertainment districts. See what people do, who is out, and get to know the area better. Interview real estate agents who seem to have a pulse on the current market trends. An agent who specializes in the area may be more familiar with downtrends and knowing when the best time to look in that area is for that perfect home. Keep location as the primary focus. It should meet the basic requirements and be in good shape. Other than that, don't worry about traditional things like looking for the perfect time. The perfect time to buy maybe now.

Catch a Glimpse

One of the best ways to see a home and all its flaws is right after winter has ended and spring comes along. Any leaking, wear and tear, and repairs tend to show up once the cooler weather wanes. This makes it easier to spot issues as opposed to house-hunting in winter. The snow is gone, the fog is rolling away, and the time is right to do some general inspections from the outside to see how a neighborhood, and property, have fared the weather. If all looks good, it might be worth a closer look. Any red flags like weather-worn roofs, siding, or other issues will appear and can be a sign to inspect further or walk away until the right home comes available. 

Don't hesitate to contact a professional in the Ohio market who understands the trends. Choice Properties has people ready to assist your search this spring, or anytime, so you can find the right home for you and your family. There are many things to consider when searching for that perfect property. Call us to have us help you set up an appointment to discuss what you need and get you started on the search. 

Home warranties are an interesting thing, considering they can bring peace of mind but also affordable fixes for a home with older appliances. A seller may offer one in closing to sweeten the pot, which makes it a reasonable consideration for potential buyers. Even though a home warranty may sound like good financial protection, it is good to know more about them and whether this investment is worth making.

How a Home Warranty Works

A home warranty is a contract between a homeowner and a home warranty company. Costly repairs on appliances in a new home purchase can be difficult to swallow, especially after spending so much to move into the home. Home warranties typically cover repairs of a furnace, air conditioning unit, plumbing, and electrical systems. Major appliances like washers, dryers, and refrigerators are often also included. Most plans offer the basic coverage, but some additional components can provide a better umbrella for any repairs that are needed which exceed the basics.

Know the Costs

Even though a home warranty is only a few hundred dollars upfront for a year, the cost depends on what property is purchased. If the family owns a condo or townhouse, the warranty may cover more or less than a single-family home and costs will shift accordingly. The home's square footage does not impact the price unless the property is more than 5,000 square feet. Garages should be covered by the basic policy, also. Some other considerations:

• Home warranties charge a service call fee of between $75 to $125 every time the request is made to examine an issue
• If more than one contractor is needed, there may be costs for each of them to visit the property
• Some problems are not covered by the warranty or will be denied coverage

Peace of Mind

A home warranty truly provides peace of mind to homeowners looking to pay the premium 'in the event something happens.' Much like any other insurance, those premiums get paid out in case something were to go wrong or something major breaks. For sellers of the home, a one-year home warranty with purchase can provide protection against buyer complaints later if defects arise. This does not exempt a seller from the legal requirement to disclose problems with the home upfront.

Potential Drawbacks

One gray area homeowners may not be aware of once they move is the 'proper maintenance' clause. This clause is the source of many disagreements between home warranty companies and warranty holders. Companies may use this clause to exclude or deny claims. The homeowner and contract who make the house call may disagree on what constitutes proper maintenance. If the furnace was not maintained by previous owners, for example, they may limit how much they payout or the company can deny payment of the claim. Another area that is not always discussed is the fact the premium may get paid yearly but that money could be put into a fund for emergency repairs that won't cost a premium upfront. Just because a premium is paid, and a contractor paid to visit the home, does not mean repairs will be made and the homeowner is out a few hundred dollars or more.

Although a home warranty is not a guarantee, it is protection against potentially expensive repairs. Prior to purchase, discuss it with the realtor. Find out the options and check around. Be sure to know your options before you buy one and make sure it is the right choice for you and your family. 

Choice Properties works with families to ensure they make the best decisions possible when buying a home. We help you navigate the process of buying a home from the start of your search until closing. Our experts work hard to ensure you are satisfied with the process of looking for your family's next home. Call us if you are ready to find that perfect property to suit your needs. 

Millennials are a unique group of people with a wide array of interests, experiences, and desires for travel and adventure. They also struggle under the weight of debt for school while seeking to be employed in a shifting economy. Living 'paycheck to paycheck' is the norm for many millennials, but now they are seeking new opportunities in real estate. While homeownership seemed out of reach for many people due to rising costs, nearly half of millennial first-time homebuyers feel ready to purchase their first home. 

Meeting the Challenges

Millennials are not new to challenges. Unfairly labeled as 'having it easier,' than previous generations, they work hard to create new work environments and spaces, redefining what people think of as 'work.' Delayed marriage can often delay the onset of that first home purchase. More often, millennials are working while raising a family to keep costs low. Older millennials graduated during the last great recession and found themselves struggling with an economy not hiring, school debt, and a housing crisis all in one. This made them more resilient and less fearful in the current economy to strike while the iron is hot.

Home Ownership Perks

Giving up creature comforts like going out to eat with friends and buying the latest gadget is easy for some millennials focused on buying a home. Young homeowners are getting savvy about what they buy, where, and how they invest in property for the future. As millennials make their new homes, renovate, and buy furniture, they create space for themselves and the family they can enjoy. They are looking to move out of bigger, more expensive cities in suburbs or smaller towns with a more community feel. Some of the perks they enjoy:

• DIY projects with the help of more stores and helpful shows demonstrating how to care for a home
• Using the sharing economy to barter and use friends to help them navigate homeownership like lawn care and maintenance
• Creating vibrant communities of young people with young families
• Investing time in learning about interest rates and mortgages to avoid higher payments in the future 
• Buying less house for the money or investing in fixer-uppers
• Encouraging friends and other millennials to invest in their own homes

Building equity for the future is important. It is also important to have a stable home environment in which to raise a family. The concerns and worries over rentals can drive people to homeownership quickly, investing more money up front to make an investment down the road. Millennials are joining the homeownership club now more than ever and reaping the great benefits of having their own property to call home sweet home. 

Millennials are not the only people purchasing homes. Everyone is looking to own property at low-interest rates and in affordable markets. Choice Properties helps you decide where and when to invest in property for your future. If you are a millennial, or someone looking to buy a future home, call us. Let us help you make the best investment possible for your family.

When people put together a home energy checklist, they are usually looking to save a few bucks. Just a simple switch here and a turn of the knob there can add up to literally hundreds of dollars in saved money over the course of a year. For individuals or families who live in places where the climate shifts year-round, it is extremely helpful to keep a checklist handy and go over it every month or so to be sure things are where they should be. 

Heating and Cooling

Heat accounts for 38% of energy use for houses on average;  more in some places, and less in others. Small changes to eating habits can bring down astronomical bills and make it more palatable:

• Check filters: most people forget this regular maintenance check but it is really simple. Set a calendar reminder every month on the same day and time to check the furnace, air conditioner, and heat pump if needed. Note the size of the filters and replacement parts. Keep a spare one handy to make it an easy swap
• Check thermostats: depending on the system, hundreds of dollars may be saved by setting it properly. A smart thermostat is being used in many homes that can be accessed remotely by phone app to increase or decrease temps when the person is away
• Heating blanket: lower the thermostat by a few degrees and invest in heating blankets and heavy comforters to stay warm

Cooling

If the heating and cooling system are one, many of the same steps apply as above. If not, here are a few simple checks to keep in mind:

• Close blinds during the summer days to keep cool air in and open again at night
• Turn off A/C in spring and fall to save money but also air out the home
• Use small fans or ceiling fans to cool the home rather than A/C
• Plants can help: go green and be eco-friendly with evergreen shrubs around the home to protect it from cold wind. Plant trees on the south and west sides of the yard for shade and to cool the house in summer

Appliance Checks

Appliances can use lots of electricity and heat. Whether it is air or water, heating elements use energy inefficiently. A home checklist helps fix issues with appliances to save money down the road:

• Check dishwashers to be sure they clean the dishes with a shorter wash cycle
• Use cold water for laundry to save money
• Use a toaster oven for quick-heating food rather than fire up the big oven for small-batch cooking
• Check efficiencies on all heating and cooling appliances in the house to be sure they're functioning at maximum capacity
• Turn off devices completely when not in use, including televisions, laptops, and other things which often get left 'powered on' and use up precious energy resources

A few other quick fixes can include checking light bulbs and switching them out for energy-efficient ones. Also, replace burnt-out bulbs and don't leave house lights on when not at home unless necessary. Keeping everything in working order and efficiently saves hundreds, if not thousands, over the life of a home (and the pocketbook). 

Families are going with Choice Properties for their realtor because they can help them find the right home for their needs. Whatever it is you are looking for, we will sit down to do a checklist of what your needs are and what you desire. If you are ready to take the next step in finding that perfect property, call Choice Properties today.

Ohio is the place to be for many individuals and families. There is a natural beauty, parks, and close access to highways which provide opportunities to explore nearby cities and towns. No matter what someone is looking to see or do, there is always something happening right in your backyard. To get there, however, takes a few steps before a final move is completed. 

The Right Move

People who want to move often look for similar things. They want safety, established communities, great schools, arts, and lower cost of living than where they are from. With all these in mind, it is no wonder people are looking to Ohio as the place to live. Compared with other states, Ohio's cost-of-living is one of the best in the nation. Housing prices are low and costs for electric, water, heat, and other utilities remain lower than the national average. Some other great features to consider:

• Transit routes are all over, from door-to-door bus routes to national airports and upgrades being made every year, there are myriad ways to get to and from major cities and local towns
• Schools offer diversity, generous funding, and increasing opportunities in athletics and STEM programs
• Sports and recreation are high on the list for Ohioans. Whether you support state teams or national champs, there are many reasons to love Ohio

Be Prepared

Don't leave prep work until the last minute. Moving is a considerable expense and stressor. To best prepare for a move, it helps to have some key things in your back pocket:

• Outstanding realtor: don't move without having someone in your corner to help find the best home, place to live, and amenities to suit your family's needs
• Find a way to transport furniture and goods well before the move. Researching helps lower costs, including discounts to book online or in advance of the move date (if known)
• Research the weather. Depending on where you move from, the weather might be a rude awakening when it comes to winter. Snow, sleet, ice, and rain are all part of a fall to winter scenario. Be prepared to buy the necessary equipment like snow blowers, shovels, and more to cope with it in your new home

When the day finally comes to make the big move, get a checklist together. Write everything down, check the mail to be sure all bills will be forwarded and review school checklists. Everything can be sorted when the move happens if it is quick, but it helps to have some things done in advance with a follow-up list for after the move. Proper planning helps people manage their new life in a new place but what matters is being able to finally put everything in one place and begin to grow roots in the great state of Ohio. 

When people look for a great place to live, they think of Choice Properties. We are the best in our area for helping families make the right choice for them when it comes to where to live and what type of home you desire. We help you from sale of your home to close on the new property. Contact one of our top-notch realtors at Choice Properties who specialize in the Ohio market to find the property that is right for you.

The first home purchase a person makes is exciting. There is furniture to buy, appliances to put in, that first house warming party to have with friends and family, too. With all the great things happening, it is easy to overlook the challenges of home maintenance. Things break and need repair. When a new homeowner gets a house, they may need to do some things upfront to keep things running smoothly or perhaps something breaks along the way. Here is a deep dive into home maintenance to-dos that need to be handled the first year. 

Furnace

The last thing a person wants to worry about is the furnace going out. Dust and grime can build up in a furnace. Clogged filters can make them less efficient, but also a fire hazard. Harmful allergens can get stuck in there and this can harm air quality. Don't let this happen. Do regular checks and look for some issues:

• Turn off the system and pull filters
• Inspect for dirt and grime
• Get replacements at the store
• Remove old filter and toss
• Be sure to do this right away upon move-in and every year thereafter

Caulking Windows

Winter heat loss happens with cracks inside a home. Sealing the space around windows really goes a long way to helping this issue. Caulking products vary depending on windows and siding. Ask a salesperson what kind of caulk that is needed for a certain finish. With the right caulk, there is no need to repeat again next season. How to do it well:

• Apply caulk carefully
• Make sure surfaces are dry
• Look for temperature specs in the product info
• Start the project after things have leveled out

Do this on an as-needed basis. Inspect every summer and touch up but it may not need a full overhaul every year.

Inspect Basement and Crawl Spaces

To avoid water damage to the foundation, it is best to check for any leaks. Get into a crawl space and look around for any signs of water. It helps to also look for mold. Flashlights are helpful to inspect corners, edges, and other small nooks for changes in color or odor. Home inspectors are good for this process because they make sure everything checks out and can fix the problem by calling in someone qualified to handle the leaks. 

It is best not to let things slide. Make a yearly checklist to follow up with things. Make note of some things to check more frequently, but don't hesitate to keep up with things as they need work because it will be better for the home (and safety) overall to stay on top of it.

Choice Properties knows buying that first home is hard. It is a big commitment and decision. We help you make it easier by giving you space to look at the homes you want, understand the type of property you are looking for, and spend time finding just the right space for your needs. Call us if you are ready to get started.

When a home is near water, people usually look for certain features. They may like the serenity and peace or maybe they are looking for a vacation getaway property. Waterfront property is usually expensive due to high demand, but it may also cost more for flood insurance and upkeep, depending on the property. With a waterfront home, there is also a view people love. It is a good feeling to come home and show off the property to others and host gatherings. Find out more about why people flock to waterfront homes and how to buy the right home for your family. 

Lifestyle

There are a certain lifestyle people like by the water. People love to have access to water sports, jet skiing, and wake-boarding. Maybe they need equipment to do certain things. In some cases, a boat may cost half as much as the house or more, depending on the model. It is a good idea to look into rentals as well as purchase deals. There may be some ways to lower the costs of waterfront property to afford a lifestyle. For instance, if walking into town is not necessarily high on the list, maybe getting one further away is acceptable to have a better view of the water. Keep in mind lifestyle when looking at properties to find just the right one. 

Value

The value people get from their homes is not just in how much they love spending time there.  Oftentimes, there is monetary value in buying waterfront property. Resale values are higher for homes by the water because they tend to hold value while other homes decline. People who should want to move may be able to rent the property out or do other things with the property if they are not there year-round. This adds value but also brings in extra income for upkeep. 

Community

A community of people who live by water usually love being on and around the water itself. This might mean boating, skiing, and recreating. This makes for a great environment for children because they get to participate in water activities with friends and family. Parents may want their kids to grow up near water, including lakes and rivers. Waterfront homes tend to have low crime and be close to good schools. This depends on the home and where it is located.

Getting the most use out of a waterfront home is key for so many reasons. A good broker can help people navigate what they are looking for in a waterfront home and help them make the best decision possible for their family.

Families who go with Choice Properties are going with the best choice out there. The goal of buying property is often to find the dream home people have always wanted. With Choice Properties, we specialize in the Ohio market to find the right property for you. Call us if you are ready to move forward with your home search.

Getting ready to move is a big endeavor. When people have small kids, it is especially daunting. With really little kids, like babies, they come with extra baggage and things they need to keep them entertained. Getting settled can feel like a bigger chore than anyone ever realized. Try some helpful tips when thinking about whether or not to move with small children and how to make it more successful. 

Packing

This may seem like a no-brainer, but packing with kids is pretty difficult (if not impossible). There may be no way around it, but packing and unpacking is easier when they are asleep. Toys are especially hard to wrestle away from them. Leave a box of toys out until the end and leave a few things to play with at the new house. 

Get Support

Family, friends, and loved ones are especially helpful for taking care of kids. They need to be entertained, but sometimes adults have to do the cleaning and getting the house ready for the buyer. If friends or family want to serve them, it is best to ask in advance. Plan ahead and bring in recruits to keep things fun and easier to manage. They might even consider taking them away from the house to get things done quicker.

Do it Early

Don't wait until the last minute (unless there is no choice). Start months earlier than seems necessary. It may take twice as long to get things done with kids. Get small stuff done, like decluttering, donating unwanted items, and putting things into storage bins now. Hands are full of kids, but even more full when it comes to dealing with packing up a house. Get a head start to keep things moving more smoothly. 

Use Social Media

Social media sites are huge right now for selling unwanted items. It is like a big garage sale. Craigslist and mom's groups on Facebook are a great place to get some help. Just leave it on the doorstep (for most things) and people can come to pick up what they want and leave the money. It is surprising what people may buy (old toys, unused clothing, furniture or accessories) and give some pocket money to buy new things for the next home.

Take the time to say good-bye properly to the old house. Walk around the neighborhood, meet people, and say good-bye to each room, one by one. Honor the memories made in those rooms and acknowledge the new days ahead. It will be challenging for a while, but then things settle and it begins to feel like home again.

Families who are looking for properties to purchase need look no further than Ohio. We provide a service for you that is stellar and professional. Our goal is to help you find the right next home for your family. With our resources, we are able to support your journey of finding the next home while navigating the sale of an existing home or becoming a first-time buyer. Let Choice Properties be the place you go to get help with your home search.

Getting older can be challenging for people. There are greater risks of injury for older people. The home that used to be secure and safe now feels like it is full of hazards. Seniors who want to remain at home often feel they are left with few choices as to how best to stay in place rather than move somewhere else. Giving up a home is difficult, including moving belongings and going somewhere new to start over again. Find out some of the tips to eliminate falling risk in the home and to maintain safety.

Balance

Many times older adults struggle with balance. As people age, their bones and muscles weaken. The best way to prevent this side effect of aging is to do yoga, Pilates, and water aerobics classes to improve balance. Many seniors have the option to take classes for free. Health insurance may also offer plans that cover benefits for seniors who want to age well. Check with local park district programs, fitness centers, and gyms to find out more information.

Check Flooring

One of the most high-risk situations for seniors is flooring. Hardwood, linoleum, or similar types of flooring are hazards for older people. Carpeting can also be tricky to navigate. Certain rooms have an increased risk of falls, including bathrooms and kitchens. Replace floors with non-slip flooring to make walking safer.

Enhance Bone Strength

Bone density wanes over time. The more a person can work to keep their bones healthy, the better. If bones are frail, they are more likely to move out of joint or break in a fall. Seniors who experience serious fractures or breaks are often susceptible to more diseases, surgeries, and shorter life expectancy. Prioritize taking care of bone health by getting screened by a doctor and speaking with them about supplements to support stronger bones.

Stairways and Handrails

Stairs are almost a no-brainer for aging adults. They are a huge fall hazard for seniors, especially those living alone. It may be time to think about how to move living quarters into another area of the house or live on one floor of the home. Handrails are also important. In rooms where seniors might not be able to navigate a home well, handrails can help seniors move around the bathroom, stairs, and hallways with less risk. 

Falls can be scary and even life-threatening. They may be a sign of other things going on like Alzheimer's. It is best to check in with older adults to see how they can best set up their homes to keep them there as long as possible. If necessary, an adult child or family member may have to move in with them to support their journey of healing into their older years in a healthy way.

Families who are looking for properties to purchase need look no further than Ohio. Choice properties help families make good decisions when it comes to their home purchase or sale. Call us if you are ready to make the choice to move forward with buying or selling your home. 

Selling a home can be a tumultuous process. While some offers may seem great upfront, it does not signify the process is almost over by any means. Between offer and closing, there is the actual sale that requires lots of time and persistence to make it through. It is often a rapid-fire time of answering and responding to emails, questions, and inquiries about credit histories and property values, and other things that can derail a home sale at any point before closing. Find out some of the top reasons why pending sales fall through and how to navigate this with an experienced realtor.

Pending Sales

Terminology is key when talking about property sales. A sale is considered to be pending when a seller accepts a buyer's offer until the sale is closed. Some agents also call this 'being under contract' or 'contract pending.' There may be contingencies that come up in the process, meaning either buyer or seller has requests that must be fulfilled as part of the contract. This prevents them from getting into the deal and being stuck if major repairs are needed. 

Mortgage Application

A common reason for pending sales to fall through is the buyer cannot qualify for financing. Most buyers finance a home because they don't have enough equity to purchase one outright. A letter is often submitted that they are pre-approved or pre-qualified for a loan. This is not a guarantee, but an estimate of how much the bank believes the buyer can afford. This means checking credit history, getting verified documents of income, and making sure they have enough money to continue making payments after the purchase goes through. 

Home Inspection

The home inspection is often where good sales deals go wrong. A professional home inspection can reveal concerns or problems a buyer is not aware of, maybe even the seller, until the report comes back. Some common issues they look for:

• Mold
• Foundational issues
• Roof damage or lack of upkeep
• Interior hardware like furnaces and water heaters including the age of these appliances

Buyer's Sale

When buyers look for a new home, they are usually trying to sell their primary residence. Doing this at the same time is tricky. If they find a home they love, they might write up an offer and include a home sale contingency. They will have sometimes up to 60 days to sell their home and keep the current offer on the table. Market conditions are important to this process to see if there may be other, better offers, or if the person is definitely a good candidate to sell their home, also, and move forward with the process.

Prevention Tips

When you know what to look for, you can often take preventative steps to keep the process going smoothly. Explore some proactive measures that might be helpful:

• Keep contingencies in mind: some sellers require a pre-approval letter and proof of funds prior to moving forward. A strong letter and good down payment are signs the buyer can get a mortgage without major issues
• Pre-inspection: this step will alert you to problems that might hinder the sale of your property and give you time to fix them before trying it out in the market. The older the home, more repairs there will so be/ aware this can actually save money in the long run
• Appraiser: give them a fact sheet with things like square footage and comps in the neighborhood. The appraisal may be subjective but let them know you are aware of what local averages and ranges are so you feel you get the best appraisal for your property
• Keep a list of repairs: if you made repairs and upgrades, you are on your way. If you have a good school district, this is often a selling point for families. Consider this a selling point and look at all the things that have been dong as potential upgrades to a buyer

Real estate transactions come with real risk and uncertainty. To have more certainty in the process, it helps to have some ducks in a row ahead of time to make the process go more smoothly on the back end and sell your home or buy the potential home of your dreams. 

Trying to make the process easier is the job of a real estate agent, but there are some things sellers and buyers can do ahead of time to make it go more smoothly. If you are ready to jump into the transaction part of the journey, we will help you navigate the process of selling or buying a property. Choice Properties has experienced agents ready to answer questions and help you get started on the process. Call us to get started. 

Going to open houses is part of the home search for some buyers. While many like to wander into homes and just take a peek, there is some intentionality behind deciding which homes are the best to look at and how to know what to look for on those tours to get the most information out of them. Having a strategy that helps determine whether a home is a good fit is a good start. Let's get started on what other ways home buyers can inform their searches with the right tools.

Decor

The way a person designs a house with their personal touch can make the difference between an enjoyable experience and one that feels like you walked into a museum. Although sellers are told to make the house look 'like nobody lives there' so a potential buyer will see themselves in the space, sometimes it is a bit too stoic and not enough effort was put into thinking how it might come across to buyers. Personal touch aside, whether a home is designed with mid-century modern furniture or floral patterns should not be the biggest concern about a home's potential. Don't focus here too much, as there are other, bigger, structural things to be concerned about since the furniture will not be staying and walls can always be painted. 

Fixtures

Lighting schemes and features are smaller elements that can make a home look elegant and nice. Smaller appliances that are present (or absent) can tell a lot about a home owner's upkeep around the house. These cosmetic features are not going to break the bank when it comes to redecorating. They do not impact overall safety but do provide space to put a personal touch into the home. With this in mind, fix your eyes on the bigger pieces of this puzzle when it comes to appliances, whether they function properly, and any safety hazards to be mindful of that may seem invisible at first. 

Suspicious Smells

Homebuyers need to open all five senses walking into a property. If you are hit with a musty odor coming in the door, that might repel you to leave right away. Your nose can actually uncover issues that may linger in the home. Mold and mildew are two problems that can be detected by smell. This may be hazardous to your health and resolving it may be hazardous to the pocketbook, eventually. 

Some Other Considerations

Looking around a home, there are some things to watch for that are helpful when finalizing a decision during an open house tour:

• What condition the walls and floors are in. Look for cracks, warping, watermarks, and other signs the foundation or walls have issues that go deeper than surface-level
• Systems that include wiring, HVAC, and water heaters or furnaces should be evaluated. Leaking issues, old hardware, and lots of nonfunctioning appliances may be a sign of issues that will need to be addressed before going forward with the home purchase
• Permit issues: any buildings on the property or additions and remodels done without permits can cause a surprise after a home sale. Unpermitted construction can be a safety concern if not done properly, as well as fines that may come with it to bring the work to code later (falling on the current owner if not listed ahead of time).

These are just starting points to the conversation when walking through during an open house. The in-depth details can get worked out later, but things that stand out immediately as a potential hazard can spell disaster down the line. It is best to try and get out while you can and save yourself the aggravation if it seems the home is not kept up properly. For mostly cosmetic things, that can be dealt with later to add personal touches and maybe a sign you could put some money down on the property and try to make it your own.

Looking for that perfect home is sure to be met with lots of questions and searching. At Choice Properties, we make the home buying process easier and more streamlined. With so many options available, we strive to give you the best service when it comes to helping you find the home of your dreams. Give us a call if you are ready to start the process of buying your next home. 

Moving to a new home is nerve-wracking for many homebuyers, regardless of whether it is their first time or one of many homes they have purchased. Location is key for many buyers, with good reason. A decent location with access to quality schools, easy transportation to work, and local, family-friendly activities gets people excited about the possibilities of being in a neighborhood that functions well and will be a home for years to come. A home that is near a busy highway or roads can be a worthwhile investment, so long as the family knows all the pitfalls of being too close to traffic. Learn more about roads and highways and just how much they impact home value.

Mapping the Roads

Traffic volume, location of major roads, and proximity to homes are all key elements of understanding the way roads and highways affect home value. If a road is marked as a 'motorway,' this usually indicates high traffic. Anything marked 'residential road' usually has low traffic volume. It is important to talk with the realtor and find out more about the neighborhood if there are concerns about traffic or noise pollution. Even suburban areas with residential neighborhoods can have higher levels of traffic, depending on pending developments or other issues at hand. 

Adjusting Values for Roads

It helps when looking at home values to understand why we need to adjust them based on roads. It is difficult to know which road is responsible for a home selling for more or less than its value. By reviewing maps and local home values, it can inform some of the reasons why this happens. In most cases, a home may be affected by a busy road only by distance to the nearest busy road. The distance and cutoff approach does not work well where there are fewer homes. If a home is near a big highway but another one is between that home and the highway, it is still reasonable to consider a busy road adjustment for the first home. Homes not so near that highway will not have the same adjustment, even if they are still nearby. A group of homes or subdivisions located near a highway might have higher home values if it is a commuter situation where people in that area are likely to live there because they can compute costs associated with people desiring a location near arteries that take them into a major city. People likely will pay more to live in those areas than rural ones further from desirable ones. 

Road Geometry

Home values are calculated by looking at road geometry. This means reviewing home coordinates and putting them into a set of points for a given market. This generates a diagram from the set of all points. This Voronoi diagram looks at all home points to compute where the region touches a road point. If a home region touches a road region, that home is adjacent to that road. The region of space is closer to that road than anything else. Data may seem unimportant but it is the bigger picture of how home values are determined. New roads are built all the time so it is important to keep it updated for buyers and sellers, as well as real estate agents. Looking at this data gives people an idea where the best places are to build with the best opportunity to sell their units and make a profit. When people have information, they are more empowered to move forward with their purchases and sales, informing the process all the way through. 

Finding that top-notch property is tough work. There is a lot to consider. When you make the decision to work with Choice Properties, we have done all the leg work. All you have to do is find the house of your dreams and we are ready to help you make it a reality. We specialize in meeting your home buying and selling needs all the way to close. Call us to find out how we can help you today.   

Buyers looking to get into a home are often looking to finagle their way to a good deal just as much as the seller wants top dollar. Each one has to compromise and meet in the middle when it comes to negotiations. Finalizing the offer can often be a tough road, but once both parties come to an agreement, the real fun starts. When a seller accepts the offer, there is still a lot to do. Find out how to navigate this road to complete a home sale. 

Sign the Purchase Agreement

An offer on a house is considered 'under contract' when it is accepted and signed in writing by both the seller and potential buyer. This written contract is called a purchase agreement. Think of it as the first step in finalizing the sale of the property. There are some things to keep in mind about what it means:

• Financial details are outlined like earnest money deposits, financing, and closing costs
• Contingencies
• Timelines are laid out
• Closing date is agreed upon

Lots of little details are figured out at this point like the condition of the home, disclosures, and any seller concessions, repairs or credits. Once the agreement is signed and money deposited, the buyer has the right to purchase the property.

Negotiations

Sellers ultimately want to get the most for their house value. They are often willing to negotiate lots of things to get what they want, but the buyer also wants a good value. A counteroffer may be thrown out there at this time but a seller may not want to make requested changes. When thinking about negotiation, consider the purchase price and down payment, adjusting the length of closing, modifying contingencies and reviewer any credits being offered. When accepting a home buyer's offer, make sure all the cards are on the table to make it the best sale possible. 

Backing Out

Trying to get out of a purchase agreement can get kind of messy, a bit in that gray area of the process. Withdrawal of the offer if agreements are not made can be tricky. What determines how things go really depends on where things are in the process and the reason for backing out. Negotiations can always be made, but it might be better for both parties to re-negotiate than lose out on the sale and purchase of the property.

Acceptance of an offer might seem like the endless days of finding the perfect home has come to an end. However, it is the start of another journey to finalize everything and close. Until close, anything can happen. Work with your agent to establish a game plan and prepare the way for things that can happen between an agreement to the final closing. A home buyer's offer can be accepted with lots of contingencies to finalize, so be aware of all these walking into it and have an open mind until the day of close to being open to the process for the best outcome.

Looking for the best real estate professionals to help in home purchase and sales can be difficult. Look no further than Choice Properties to help you finally end that search and give you what you need. With all the options out there, we work with you to determine what you want and how to get there. Contact one of our top notch realtors at Choice Properties who specialize in your local market to find the property that is right for you.

10 Easy, Budget Friendly Ways to Add Value to Your Home

• Paint Kitchen Cabinets. Having new cabinets installed can easily come with a price tag. Tackle this yourself by giving the cabinets a fresh paint job with a neutral color.   

• Swap Out Hardware. When is the last time the kitchen and bathroom hardware was updated? Swap out old knobs and pulls for a clean, sleek pair. 

• Devote Time to Outdoor Patio Space. The outdoor areas of a home are just as important as indoors. Incorporate nice landscaping, perhaps with a clean firepit and outdoor seating on the back patio. 

• Replace Old Outlets. Wall outlets are often overlooked. Replace the old, washed out white outlets with a fresh face. 

• Install Crown Molding. Adding crown molding is a great way to add value to a home. Contact your local contractor for an estimate and witness this small change greatly enhance the appearance of your home.

• Focus on Curb Appeal. The walkways and front of your house is the first thing people will notice upon entering your home. Make sure it's welcoming by adding brick stairs, a safe railing, and a freshly painted front door.

• Upgrade Landscaping. Does your front lawn look bare? Consider having a couple trees planted for shade and greenery. Bushes and year-long plants are great to add along flower beds.

• Add Storage Solutions. If your bathroom is smaller than usual, get creative with permanent storage solutions. This could include floating shelves behind the toilet or above the sink.

• Replace Lighting Fixtures. Don't overlook the power of lighting. Making small adjustments by replacing bulbs or fixtures can greatly enhance the appearance of a room.

• Check Window Frames. An easy way to make windows appear larger is to add crown molding and new blinds to the window.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Home Sellers Are More Serious

Although there may be a little less inventory, those in the market are serious about selling their home before the holidays, otherwise, they would wait until spring. A motivated seller brings the potential of negotiating offering prices. Fall also brings a lower competition from other interested buyers, giving you an advantage of having first dibs on a home.

Less Competition for Home Buyers

Previously mentioned, fall comes with lower competition in the real estate market. This means you will not feel rushed during the home buying process, having more time to look and attend open houses. This also allows an appropriate timing for negotiating a great deal for a price that suits your needs, without the worry of competing against multiple buyers.

Lower Home Prices

Moving during the Autumn often means paying slightly less than usual. Due to it being the off season for real estate, pricing is less competitive as homeowners are looking to sell fast before the holidays. To add to this, homeowners who list their home during the fall and winter months are usually on a timeline, making them a motivated seller. 

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Install Fresh Backsplash

Current backsplash, if any in the existing kitchen, may be outdated or caked with dirt from the previous years. Consider adding or replacing with brand new backsplash for a clean, polished look. Adding new backsplash easily adds a tasteful design that can dramatically improve the aesthetic of the space, at a reasonable cost. Adding brand new backsplash will increase of grabbing the eye of an interested buyer, having them overlook smaller flaws in the kitchen. 

Update Your Cabinets

A fresh color of paint can go a long way when it comes to your kitchen cabinets. Consider opting for a neutral color that most people would find attractive, opposed to a bold paint color. After your cabinets have dried and been re-hung, swap out old hardware for sleek, modern pieces that compliment the painted cabinets. Adding new knobs and pulls to a kitchen is a budget friendly way to make your cabinets look brand new. 

Add New Lighting

Light bulbs and fixtures are easy to overlook. Broken or burnt out bulbs can make any kitchen feel dark and unappealing. Consider swapping out old, dim bulbs for cool white bulbs for a brighter, open feel in the space. Make sure to double check the lighting before listing your home. 

Replace Countertops

Countertops are the main element of a kitchen. With the wide variety of materials and options, you can then choose a kitchen countertop that is budget friendly while tying in the space. While making small upgrades to other elements in your kitchen, this is one to keep in mind the most. 

Install New Flooring

Unfortunately, a bad floor holds the ability to mark down the selling price of your home. If you find yourself needing to replace your floor, don't fret! There are a number of budget friendly flooring options. This may be:

• Linoleum 
• Tile
• Vinyl
• Carpet 

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Use a Sleeper Sofa

A modern sleeper sofa is perfect to incorporate into an office space, giving a cozy couch appearance by day and functional bed by night. When it's not in use as a bed, the couch makes for a great spot to catch up on reading or taking a break from office work. 

An Office with a Daybed 

If you find yourself with limited space for a sleeper sofa, try a daybed for a less bulky option. A daybed is ideal for creating a casual spot for relaxation due to their low profile design, while still providing guests a space to sleep. 

A Guest Bedroom with a Work Area

Perhaps you find yourself not using the office space as frequently as anticipated. If this is the case, consider using the space mostly as a spare bedroom with a smaller work area. A twin or full sized bed is perfect sizing for a guest room that has limited space. 

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Buying a home is the American dream that many families hold. We all know it's never cheap to purchase a home, and may take a couple years to save for an appropriate downpayment. But, how much should you save for a downpayment on a home? Typically, it is suggested you save 5% of your maximum budget. Meaning, if your budget for purchasing a home is $180,000, you should save $9,000 for a down payment. With the right tips and tricks, you will be able to save up for a down payment in no time. Try these tips on saving money for a down payment, turning your dream of purchasing a home into a reality! 

Develop a Savings Plan

Taking time to create a savings plan will help you stay organized on spending habits, along with developing a timeline. If you are looking to move in two years, calculate how much you need to save each month to have a 5% down payment you're seeking. In order to make a savings plan, you will need to carefully comb through your weekly and monthly spending to figure out the amount you are able to save in a certain timeframe. Some things to include when making your monthly budget include:

• Gas expenses
• Grocery shopping 
• Rent/monthly housing payment
• Car Payments/insurance 
• Utility bills
• Emergency funds 
• Miscellaneous expenses 

Avoid Mindless Spending

Along with making a savings plan, make a note to avoid mindless spending. Once you start to manage your spending habits, you will quickly notice the amount you spend without even realizing it. Doing so could easily save you a couple hundred dollars a month. 

Take Your Time

Buying a new home is exciting, and it can be hard to not rush the process. Perhaps you are ready for this next step in life. However, it's important to remember not to get ahead of yourself. Take your time with the homebuying process, and be sure to not bite off more than you can chew. When you are ready to start the home buying process, contact the expert real estate agents at Choice Properties! Whether you are a first time homebuyer or experienced in the process, our team is eager to assist. 

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

 

For those who spend Saturday mornings with a cup of coffee and HGTV, home staging may seem like a piece of cake. However, when selling your home this may be the most important factor in the selling process. Staging your home for potential buyers allows them to view themselves and their family within the space, increasing the chance of them making an offer. It's important to be careful and make the right moves when staging a home to avoid missing out on a sale. Of course, when working with a Choice Properties real estate agent, we will assure all home staging needs will be addressed properly. The next time you're binge watching a home show, ask yourself, are they making these home staging mistakes?

Not Taking the Potential Buyers into Consideration

The first thing one should do when staging a home is take a minute to consider the audience. Who is most likely to show interest and purchase the home listing? Will they be a young family? An older, retired couple? Answering these questions will help the design process go as needed, according to the demographic. 

Overdesigning the Space

Contrary to belief, there is a such thing as over designing the space. In these scenarios, less is more. Staging a home to sell is about creating a space that the buyers can imagine themselves in for years to come. Take this moment to remove a majority of personal items from your home, although it may feel emotional. Easy ways to make the home inviting without overdoing it is to paint an accent wall, update window blinds, and minimal accent pillows and rugs. 

Personalising the Home Staging

Staging a home is without a doubt the best way to draw in potential buyers, intriguing them to make an offer. But, be careful about personalizing the home and scaring interested families away. Refrain from having your style and personality shine through on the home staging, as everyone has a different taste. For example, avoid repainting the kitchen any bright colors, or leaving small knick knacks lying around. Although these are important to you, it may feel loud and cluttered to others. 

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. 

Call us to get started on your dream home search today.

If your family has recently purchased a home and relocated to a new area, congratulations on starting a new adventure! Although it may feel scary and new at first, this refreshing path will guide you to the next chapter in life. Children may feel worried about starting the school year in a new environment, with new teachers and friends. Practice these tips on helping your child adjust to a new school after moving to ensure the school year goes smoothly. 

Start the Conversation Early

It's important to give your child enough time to process the change. This can be done by having an open and honest conversation about the move and starting a new school. Take this time to learn their fears and concerns, offering reassurance along the way. Now is the time to get them excited about the new start, reminding them of all the fun information they will learn at school and the friends they'll make along the way. Although this conversation might not take their fears away, it lets them know that you are here for them during this transition. 

Create a Routine

Before school officially starts, familiarize your child with the school routine to get them prepared. Show them what school mornings will look like, where the bus stop is, and show them the route to get to school. This allows them to become familiar with the idea and not fear the unknown. 

Visit the School Prior to the First Day

Most schools in Logan County offer orientation days, where parents and children have the opportunity to visit the classroom to meet other students and their teacher. Use this time to walk around the school, showing your child where their classroom is and getting them familiar with the area. Although the first few days of school may still feel overwhelming for them, this will let them know what to expect.

Sign Up for Extracurricular Activities 

Encouraging kids to get involved is a great way for them to make friendships and feel like they are a part of something great. This could be a sports team, music class, or after school club. Your child may need the extra push to get through their shyness and hesitation, which is normal! When they are out of their comfort zone is when friends and memories will be made. 

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Buying a new home is an exciting time in life! Whether you are a first time homebuyer or experienced in the homebuying process, it is a huge accomplishment. However, the downpayment and monthly mortgage isn't the only costs that come with owning a home. Homeowners insurance may often be overlooked by first time homebuyers, as it's not a popular topic of discussion. When financing through a bank, homeowners insurance is typically required. Although it's required, it's most certainly worth the cost. Navigating through various homeowners insurance policies may feel confusing. Here is what to look out for when searching for the best homeowners insurance, ensuring you're paying the best price for the best coverage. 

1. Coverage

Coverage is the most important factor when searching for the right homeowners insurance. Most offer an array of coverage policies which are broken down by the amount protection they offer. This means how much the insurance company will replace your valuables after a natural disaster or a loss. The three main types of coverage policies include:

• Cash Value Replacement Coverage: This option will replace the cash value of the items lost, while taking into account the depreciation of your personal items.

• Full Replacement Coverage: Full replacement coverage will reimburse you the complete cost of your items, at today's cost. Meaning there is no depreciation. 

• Guaranteed Replacement Cost Coverage: If your home is a total loss, this coverage will completely reimburse the actual cost with no coverage limits, in today's dollar amount.

2. Additional Coverage Plans

There are an array of coverage plans that you can add to your existing policy, for even more protection. Many opt for this if they live in an area where natural disasters are known to occur. This may include:

• Flood Insurance: Those who live in areas prone to flooding are encouraged to purchase an add-on of flood insurance onto their policy. This will ensure your items are covered following an event of a flood or severe storm surges.

•  Earthquake Insurance: This plan will protect your values and items in an event of an earthquake. Those residing in California are more inclined to include this policy onto their plan. 

3. Get Three Quotes Before Making a Decision

Just as you browse and shop for your new home, you will want to do the same for homeowners insurance. Take this time to consider what you need within a policy, in terms of the coverage needed and where you reside. For example, those buying a home in Ohio most likely do not need earthquake insurance. By shopping around and learning pricing and options available, you will be able to make the best decision.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Making the leap from renting a home to owning a home is a huge reward! The hard work and savings have finally paid off and you are now ready to work with a real estate agent on making your dream a reality. But, perhaps you're wondering what to expect when buying your first home. It's natural to feel a sense of stress when making a large investment, as there will be a shift in responsibility and life changes. However, don't let this scare you out of your dream! Owning a home is one of the best accomplishments you will experience in life. Check out this guide on going from a renter to a first time homeowner to fully embrace each step. 

Increase in Responsibility

The best part about owning a home is having the freedom to make the space unique to you. You can paint the walls, replace kitchen cabinets, plus take full advantage of the financial savings that come with buying a home over renting a home. These are intriguing benefits of buying a home, but it's important to remember the increase of responsibility that also accompanies homeownership. This means being financially able to make any unexpected repairs, such as a broken cooling or heating. 

Repairs, Renovations, and Updates

Chances are, when buying your first home the house will need minor repairs or updates. Many incorporate this within their budget when looking at homes on the market. Becoming a homeowner means repairing broken appliances or leaky faucets, as well as any additional expenses. When working with your trusted real estate agent during the home buying process, take time to assess damages or repairs that will need addressed both in the short term and long term. If you do come across a home emergency that needs addressed as soon as possible, reach out to neighbors in your community for referrals.

Miscellaneous Home Buying Expenses

Unfortunately, there's more to simply getting a mortgage and buying a home. There is the cost of the house, but other upfront and miscellaneous expenses that may catch you off guard. It's important to educate yourself on the hidden, unexpected costs of purchasing a home. Here are some extra expenses to consider:

• Home inspections 

• Home insurance

• Closing costs (Lender fees, Appraisal, Title, Escrow fees, Interset)

• Maintenance and repairs

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Generally, real estate is often a smart and rewarding investment option. It is a great way to produce an ongoing income and can be a smart investment if the property value increases over the years. However, buying an apartment complex, restaurant, or piece of land may become expensive. It's important to be sure you are financially stable to start investing in real estate, and consider the ongoing maintenance costs as well as gaps between tenants. So, should you invest in real estate? Here are some tips to see if it's the right path for you:

Pay Investments in Cash

Most financial experts advise against taking out a loan for an investment project, which should be taken into consideration before investing in a piece of real estate. If you do take out a loan, it's suggested you're able to afford the monthly payment without relying on renters income. Keep in mind, there can be a high turnover with renters as there may be gaps in time where there are no renters on the property. This may become more of a financial burden if you are not able to afford the mortgage without renters, which could negatively impact your credit and create financial issues in the long run. Paying in cash eliminates these worries. 

Plan Out Expenses

When purchasing real estate, whether for personal or investment reasons, it's always smart to plan out your expenses. Consider the cost of taxes, maintenance repairs, utilities, and building upkeep. When planning expenses, estimate the cost you will be asking for your rental property so that fees and other expenses are covered. 

Research the Property

When investing in real estate that you plan on selling down the road, it's crucial to thoroughly research the property. Look into development plans or new roads that are being expected to be built to ensure it does not impact the property value. Also take time to research nearby neighborhoods for market value, if the area is up-and-coming, and other external factors. 

Investing in real estate is an appealing idea to many! With the proper planning and steps taken, it can be done well and successfully. If you are interested in starting the steps to investing in property, contact a Choice Properties real estate agent today!

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Making the decision to sell your home may come with a range of emotions. It's nostalgic to see this chapter of your life come to an end, yet exciting to start a new journey. Selling your home may feel like a stressful time,  but when working with a trusted real estate agent it's quite the opposite! The biggest factor to selling your home is hosting an open house, allowing potential buyers to take their time exploring the home. Of course, when working with a Choice Properties real estate agent, we will go above and beyond to ensure your home selling needs are met and handled. Here is our guide to hosting a successful open house. 

What is an Open House?

An open house is an event in which the home for sale can be visited by interested buyers without having an appointment. Your Choice Properties agent will manage the staging of your home by arranging refreshments, snacks, welcoming visitors, and offering tours of the property. 

What Should I Do Before an Open House?

It's important to allow potential buyers to feel welcomed into the home. This is an opportunity for them to envision themselves in the space, making it crucial to have both exterior and interior cleaned and maintained. When posting your home to sell, prepare for an open house by cleaning the outdoor space. You should:

• Mow the lawn
• Trim overgrown bushes and trees
• Touch up on chipped paint
• Clean/organize the garage
• Power wash driveway 

Once the exterior of the home is in tip-top shape, it's time to move inside! Consider this checklist of preparing for an open house:

• Set the temperature to a comfortable level 
• Depersonalize the space
• Organize and clean closets 
• Deep clean the kitchen, including stove, backsplash, and countertops 
• Clean bathrooms, preparing fresh soap and hand towels
• Vacuum and shampoo carpets 

The main benefit of hosting an open house is to help the home sell quickly. Taking the time to prepare the exterior and interior of your home will help the open house go smoothly, where your expert real estate agent will take it from there. 

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Buying a home offers the chance to completely make the space unique to you and your family. The blank slate allows those to fill the space with their style, expressing their personality in every room. Whether you're comfortable in a rustic home, modern, or country-chic, it is entirely up to you! If you're looking for something new and fresh, consider trying the design trend on the rise: minimalism. Minimalism means inviting only the essentials into your space, while limiting clutter and miscellaneous items. Here is how you can bring minimalism into your newly purchased home. 

Choose Neutral Colors 

The first step to introduce minimalism to your space is selecting a neutral color scheme. It is suggested to go with soft whites or light gray for a minimalistic-feel, which allows natural light to pour into the space while making the room feel welcoming. If you crave more color, go for a powder pink! 

Furniture and Materials

Similar with colors, you will need to find a balance of materials. Combining different materials, such as natural wooden floors with a metal coffee table creates an industrial, yet warm style. Incorporating organic materials into your custom build will always be on trend. The most important key is still choosing furniture that you find comfortable. Don't settle for a stunning couch that offers zero comfort!

Declutter and Add Storage

Perhaps the biggest aspect of choosing a minimalist design is decluttering. If you don't feel comfortable donating items you are currently not using, consider using a storage unit for the time being. More homeowners are opting for a minimalist design as a way to start fresh and live simply. Decluttering and only keeping the essentials allows you to do this, feeling rejuvenated and stress-free in your personal space. 

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Along with budgeting to purchase your first home, you may want to consider budgeting for items you will need to go along with your new house. Buying a home is an exciting time and can easily overtake your thoughts! However, you may not have thought about the list of items you need with a home that you did not need with an apartment. Stay tuned to learn what to purchase after buying your first home, leaving you fully prepared for tackling this journey head-on. 

New Locks

The first step when moving into a new home is changing the locks and updating your keys. There's a chance the previous owners gave friends or family a number of spare keys. Avoid any misunderstandings or worries by changing your locks. 

Lawnmower

For those who do not plan on hiring a lawn care service, purchasing a lawnmower definitely makes the top of the list. Take time to research brands and pricing to find one that fits with your needs and budget. 

Gardening Tools

While browsing lawnmower options are your local improvement store, don't forget to look through other outdoor necessities! Most likely, you will need a garden hose to wash cards, water flower beds, or to keep your grass green. Along with a hose, you should also consider a rake for leaves, weedwacker, or shovels for snow. It's best to be fully prepared when moving into your new home. 

Handyman Tools 

Buying an older home may mean small repairs here and there. It's highly advised to have a stocked tool box for last minute fixes, or for DIY projects! When purchasing a tool box, be sure it comes with:

• Hammar 
• Assorted screwdrivers
• Hacksaw 
• Pliers 
• Plumber's wrench
• Power drill 
• Staple gun
• Tape measure 

Miscellaneous Items to Purchase for Your New Home

Along with the essentials, you may also feel the need to purchase:

• Patio furniture 
• Outdoor grill 
• Window coverings (blinds, drapes, curtains)
• New kitchen appliances 
• New linens and towels

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Summer welcomes days of splashing in the neighborhood pool, weekend barbecues, and the opportunity to make new memories. Although swimming and play dates are to be had, it can still be a challenge to keep kids entertained for an entire three months. This is the perfect season for kids to attend fun and interesting summer camps! Summer camps are a great way for children to make new friends while releasing their energy. It gives them a chance to experience a new adventure, where they will look back in the years to come and appreciate the memories. Explore these summer camps in Logan County for a new kind of experience. 

YMCA Camp Willson

This summer camp in Logan County offers kids the chance to spend their time in the great outdoors! They can enjoy:

• Swimming 
• Hiking 
• Horseback riding
• Fishing
• Making music
• Creating art 
• Roasting marshmallows

The YMCA Camp Willson offers over 15 different camps, each accustomed to age groups.  If you're interested, register today!

Kirkmont Center

The Kirkmont Center is known for offering a safe, fun year round camps for people of all ages! These camps come with a wide range of activities, where recreational facilities include:

• Canoeing 
• Swimming
• Climbing wall
• Zipline
• Giant Swing
• Archery 
• Hiking 

To explore dates and select the camp you are interested in, browse their website for open registration dates!

Kiddie Academy of Powell

The Kiddie Academy of Powell offers summer camp for ages 2-9 years old, striving to make their summer as educational as it is fun. Throughout the summer, children may:

• Plant a garden
• Perform a play
• Organize a museum 
• Plan a sports day
• Plan a water day 

If you and your child are interested in discovering a summer full of adventure, learn more at Kiddie Academy Summer Camp!

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Homeownership is known as the American Dream. Perhaps this means you are transitioning into a new phase of life with a family, and you desire to own a home. For others, it might mean no longer paying rent and gaining home equity. Homeownership is quite an achievement, but also comes with a large amount of responsibility. There are many considerations to take in, such as being financially and personally ready to tackle this new adventure. Explore these signs that you may be ready for homeownership.

You Are a Responsible Renter

Renting is a good option for those who are looking for a short term plan. However, once you have settled down you may begin to feel the downsides to renting. If you pay rent on time, along with utilities and other bills, you should have no trouble paying a mortgage every month. Making timely and consistent rent payments proves you hold financial responsibility. However, it is important to also factor in state and local taxes into the monthly budget of homeownership.

You Have Job Security

A clear sign you are prepared for homeownership is job security. It's important to make sure you are financially comfortable before signing a 30 year mortgage. If you are set in your career and don't plan on having drastic changes in the next few years, now is the perfect time to buy your first home!

You Know What Kind of Home You Desire

If you know the style of home you are looking for and have been looking in the right market, your gut is leading you in the right direction. If you are unsure of what you seek in a home, consider asking yourself these questions:

• How many bedrooms do you need?
• What do you find important to your family?
• What kind of neighborhood do you prefer?
• Are you willing to commute to work? If so, how far?

Your Credit Score is Ideal

Another sign you are ready to purchase a home is excelling in a high credit score without carrying a large amount of debt. Your credit score affects the likelihood of getting a mortgage loan, and the better your credit score the better your interest rate. It's suggested to check your credit score 12 months prior to starting the home buying process.

You Are Aware of the Home Buying Process

If you are somewhat familiar with the home buying process, you're ready to take the leap. Researching how buying a home works is suggested, ensuring you're aware of each step throughout the process. The main steps include finding a trusted lender, affording a down payment, and finding a trusted real estate agent.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

One important quality lenders look for when applying for a mortgage is your credit score. Typically, the better your credit score the better your monthly payments and interest will be for your new home. It's important to make note that repairing bad credit does take time and patience, as there is no quick fix to increasing your score. If you're interested in starting the home process soon but have low credit, don't fret. Practice these tips on boosting your credit, overall improving your score.  

Set Up Monthly Payment Reminders

The biggest contributing factor to maintaining good credit is ensuring you make your monthly payments on time. Depending on the bank, email or text message reminders can be set up to help remind you when it is time for a payment. If not, consider setting monthly reminders on your calendar. For those who prefer to not worry, consider setting up automatic billing for each month.

Limit Credit Card Use to Decrease the Amount of Debt

Practice getting into the habit of limiting your credit card use, which overall will decrease the amount of debt you owe. Once you have stopped using your credit card, check your credit report to compile a list of your accounts to see how much you owe on each account and at what interest rate. Use this information to determine a payment plan, paying off those with the highest interest first. Remember to continue to make minimum payments on other accounts as doing both can boost your credit score.

Tips on Maintaining Good Credit

• Ensure you are paying all bills on time
• If you have pissed payments, pay off months owed and get current on monthly payments
• Contact a credit counselor if you are struggling to keep up with payments
• Keep balances low and limit card use
• Don't a number of open credit cards you don't need

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Fixer uppers are a popular choice among the housing market. Purchasing a home to refurbish allows personal creativity to shine through and challenges you in a whole new aspect. Unlike typical residential properties, fixer uppers are usually placed at a lower cost. Although this attracts many, it's important to know what to look for when buying a fixer upper. The main three suggestions to follow when hunting for a house to renovate include hiring specialized inspectors, learning how to evaluate repairs needed, and ensuring you're choosing the right property. When working with a  Choice Properties real estate agent, we will find the ideal house you have in mind. Purchasing property is a large investment, and we believe in helping you find the perfect house.

Evaluate the Current Condition

When house hunting for a fixer upper, don't overlook small details. Take time to evaluate the current condition of the home, separating the cosmetic issues from the structural issues. This includes:

• Removing wallpaper
• Patching walls
• Replacing flooring
• Adding trims
• Swapping out lighting fixtures
• Replacing kitchen and bathroom cabinets
• Shoring up foundation
• Replacing AC and heating systems
• Roof condition
• Installing new windows

Inspections to Have for a Fixer Upper

It's extremely important to have a professional home inspector walk through any home you are interested in purchasing. The type of home inspection can vary, but it's better to pay the cost than be surprised with a larger foundation issue down the road.

• Roof certifications. Roof certifications are typically not included in a regular home inspection. If the seller has not shown proof of the condition of the roof, consider obtaining a roof certification at the seller's expense.

• Pest inspection. Although often overlooked, having a pest inspection for beetles, termites, or ants is never a bad idea. Ignoring pests can cause larger problems in the future.

• Sewer line inspection. Most fixer uppers are older properties, meaning the sewer lines have aged just as long. Have the septic tank examined to ease the mind.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Making the decision to purchase a vacation home comes with an endless list of benefits. Indian Lake is an ideal location for many families in Ohio, featuring yummy lake-side restaurants, watersports, boating, camping, and more! Not only is purchasing a vacation home at Indian Lake a relaxing way to escape from the city, but eliminates the hassle of planning a vacation. Having the opportunity to get away without worrying about scheduling, booking, or planning a trip is ideal for most families. There is no better feeling than packing your bags and hitting your waterfront home for the weekend! You may be wondering, is buying a vacation home a good investment? Here are the rewarding benefits your family will experience upon taking the leap.

Your Family Will Create Memories That Will Last Forever

Summer is the best time to create memories, especially with those close to you. Family members of all ages are bound to have a blast at the lake, where the activities are endless! Go for a morning hike, head to a swimming beach, take a boat on the water, or roast some marshmallows as the sun goes down. Having a place to visit with loved ones where you can spend quality time together is something to appreciate.

Vacation Homes are Less Stressful

Planning a summer vacation comes with a long checklist. Ensuring the entire family can meet on the same dates, finding a rental or condo, and scheduling in advance to secure the dates can start to increase the amount of stress. Owning a vacation home leaves the freedom up to you! All you have to worry about are packing your sunscreen and hitting the road. This makes it easy for friends and family to come and go as they please without dealing with a third party when planning.

Why Invest in a Vacation Home Now?

A vacation home sounds ideal for most, but is it worth the investment? Here are some ways owning a waterfront home can pay off:

• You can rent it out. For the dates you know you're unavailable, why not make some extra cash? Renting your vacation property could be done seasonally or year-round, entirely dependent on your preference.

• Retirement home. When buying a vacation home, it usually means it's because you love the area. What better way to enjoy the neighborhood than using the property as a retirement home in the future?

• Sell when the time is right. If you're buying a vacation home while the kids are young or family is local, it sets up a long term plan of selling in the future. Real estate markets are always booming near waterfront homes, allowing you to sell at the right time.

Whether you live in Ohio or are looking for reasons to visit Ohio, waterfront property at Indian Lake surely takes a high ranking!  

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

With the warm weather comes perfect timing to tackle outdoor projects. If you have recently moved into a new house, gardening is the perfect way to ground yourself and make the space feel like home. The beauty of gardening is that there is always something new to learn. It takes trial and error, but with the right guidance you can have a green thumb in no time. These 5 tips for beginning gardeners are perfect to start this new adventure with!

Don't Go Overboard

When beginning to garden, it's important to start small and not take on more than you can handle. Gardening is a hobby that takes a certain amount of devoted time. If you run a busy schedule, don't feel down about starting with a small garden! It is suggested to start with containers or a raised bed to manage your seeds. Over time, you can slowly expand your garden and add more plants as you please.  

Purchase High Quality Gardening Tools

Most plants are sensitive and require a level of care, from both you and your gardening tools. Purchasing a hose that won't kink will save you time and worries, but be sure to pair it with a gentle watering faucet. Consider investing in stainless stool tools as they can handle weather elements not rust.

Incorporate Mulch in the Garden

Spreading mulch is one of the best things you can do for your garden. Mulch helps limit time spent watering since it is able to hold moisture. Adding 2-4 inches of mulch on your garden beds will help plants thrive.

Add Compost

Not only is composting a sustainable way of life, but it adds great value to gardens. The secret to a healthy garden is the quality of soil, and compost is a great way to boost the nutrients. Start composting with grass clippings or fallen leaves, while incorporating kitchen waste. This includes:

• Egg shells
• Fruit and veggies scraps
• Coffee grounds
• Houseplant trimmings
• Tea leaves/bags

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Make Your New Home Energy Efficient

As technology continues to advance we are learning more ways to live efficiently, including within our homes! Families across the nation are making small transitions to practice a more sustainable lifestyle. Making your new home energy efficient comes with a list of personal and environmental benefits, allowing you to save money on utility costs and feel good about your way of living. Follow these tips on making your new home energy efficient to live more green.

Hire a Professional Energy Auditor

Hiring a professional energy auditor is an easy way to examine where wasted energy is coming from your home. A trained auditor will inspect the interior and exterior of your home to identify areas of improvement. This allows you to see small changes needed and the opportunity to save money in the long run.

Update Home Appliances

On average, home appliances such as washers, dryers, dishwashers, and refrigerators make up 20% of your home's electric bill. Replacing outdated appliances with energy efficient components can use anywhere from 10-50% less energy than before, while helping reduce the emission of greenhouse gases.

Seal All Windows

Winter is the prime season for cold drafts, meaning your heating system has to work harder to keep your home cozy. If your windows allow drafts to sneak in, consider sealing the windows to cover air leaks. This is a simple, easy way to lower energy costs in your home and can be done by most homeowners.

Add Insulation to Attic Space

Having insulation professionally installed in your attic can greatly influence your home's heating and cooling costs by sealing air leaks. Of course, the amount of insulation needed depends on the size of your attic, but is a great option to managing the temperature of your home.

Other Ways to Live Efficiently

Swapping outdated appliances for new and sealing windows are useful ways to save money and go green. However, there are still a number of transitions your family can practice. If you're interested in living a more sustainable life consider:

• Lowering your thermostat
• Composting organic waste
• Limit space heater use
• Unplug cell phone charger and accessories when not using them
• Limit time in shower

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Why Home Buyers Should Have a Home Inspection

For those experienced in the home buying process, you may understand the importance of having a home inspection. Buying a home is one of the largest investments we make in life, making it crucial that you are not hit with costly surprises. Making assumptions that the home is has no issues can make you pay for it later on. There are many reasons why home buyers should have a home inspection.

Receive a Professional Report on the Home's Condition

Taking time to hire a professional home inspector will ensure you receive a professional report on the structural condition of the home. The home inspector will have a checklist of items to inspect, and a standardized format to provide you with the results. You can expect a full written report with details and photos of the home.

Home Inspectors Help Avoid Future Issues

The main duty of a home inspector is to make sure the home is structurally sound. Unfortunately, structural issues are not always easily recognized by the average person and can take longer and cost more to repair. A skilled inspector knows exactly what to look for and inspects the craftsmanship and safety of the home. A caring home inspector will work with buyers to avoid a major issue in the future if the home is not up-to-code. If the home inspection report comes back with red flags, now is the perfect time to negotiate the price if still interested.

Help Plan for Future Projects

One of the benefits about hiring a home inspector is to gain an idea on future projects the home may need. This includes information on roofing conditions, gutters, windows, and siding. Knowing if and when the home will need a new roof could greatly influence your negotiation price. An inspector will also check the garage, steps, and porches for safety concerns. It's important to get an educated opinion on the lifespan of the roof or siding, as these are big investments that should be considered.

Hiring a professional home inspector offers a list of benefits, putting your mind at ease when purchasing a home. Although a home may look brand new and secure, there is a still a risk of issues occurring.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

The Home Selling Process Step-by-Step

With life comes new adventures whether you are transitioning careers, growing your family, or moving into a new neighborhood. Re-locating is a great way to start fresh and comes with new, exciting opportunities. Many families make the decision to sell their home and move to a new neighborhood. Perhaps you are attracted to the entertainment a new area has to offer, or you simply desire a home with more living space. The first step to starting this journey is to sell your home. When working with a Choice Properties real estate agent, we are sure to guide you through the home selling process step-by-step.

Step 1: Preparing Your Home to Sell

When selling your home, it's important to make the space feel welcoming for potential buyers. First impressions are powerful in real estate, as this gives buyers an opportunity to envision themselves living in the space. When preparing your home to sell, remember to focus on:

• Cleaning. Although this may be an obvious, having a clean home free of clutter and dirt is an easy place to start. Wiping down ceiling fans and baseboards will do wonders for any home.
• Fresh Paint. Taking time to give walls a coat of fresh paint can liven up any space. Incorporate it with curb appeal by painting the front door a bold, warm color.
• Curb Appeal. Maintaining the outside of the home is just as important as cleaning the inside. Guests should be greeted with cut grass and landscaping as they enter the driveway.

Step 2: Listing Your Home for Showings

To get the selling process started, you must first list your home! Our professional agents will assist you in listing your home to guide you on the right path for a successful closing. A trusted agent should be knowledgeable on possessing the wealth of the area, ensuring your home is listed at the correct price. Once the home is listed, showings will be arranged. Showing a home gives potential buyers the chance to take their time when viewing the space.

Step 3: Price Negotiation

The patience from updating small features if your home to hosting showings has finally paid off as someone made an offer, congrats! This phase of the home selling process is important, as your real estate agent will use their knowledgeable negotiation skills. Once you and the buyer have agreed on a price, a formal contract will be written.

Step 4: Closing on The Sell

The final step in the home selling process is to close on the home. During this time, paperwork will be reviewed by all parties to ensure details are set in place. This details include transaction costs, adjustments, tax details, and other information. Your Choice Properties agent will assist you with the final documentation of the closing of your home to assure all questions are answered.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

How to Determine the Value of Your Home

Are you wondering what your house, or the house you might buy, is really worth? The short answer is however much someone is willing to pay for it. The long answer depends on the market and whether you have reached out to a lender. Although it is wise to hear from a professional, it's also smart to do your own research. Knowing how to calculate your home's value with the help of online tools while gaining insight from a professional will better prepare you to buy, sell, refinance, or tap into your home's equity. Learn how to determine the value of your home:

Use Online Valuation Tools

A simple google search of "how much is my house worth" will bring up a list of home value estimators. These tools will use public records of property transfers, deeds of ownership, and tax assessments to predict your home's value based on recent sales and listings in the area. Take advantage of these online tools will help you gain insight on the current real estate market in your neighborhood and allows you to compare the prices of home against each other.

Get a Comparative Market Analysis

If you are ready to dive deeper into your home market value, consider asking a local real estate agent for a comparative real estate analysis. Although this is not as detailed as a professional appraisal, a CMA provides an agent's evaluation of a home to provide an estimate value. This is typically done for listing purposes, but can also be a useful tool. The agents at Choice Properties are eager to assist you with any needs, helping you get on the right track to selling your buying your home!

Hire a Professional Appraiser

Lenders will require an appraiser before they will approve a mortgage, but as a property owner you are able to hire an appraiser any time to receive a home estimate. Other key points an appraiser will evaluate include:

• Market: including the region, city, and neighborhood in which the home is located
• Property: Characteristics of the house, including improvements and the land
• Comparable properties: This includes sales, listings, cost, and vacancies within the area

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Buying a Home for Retirement

Buying a home after you have retired may feel like an overwhelming challenge. You may be asking: Should I stay in my current home? Should I downsize to a smaller house? Will moving into a new home fulfill my needs? Buying a home for retirement is a financial commitment, but comes with a return of investment and a list of benefits! Whether you are looking to downsize or simply desire a fresh start in a new home, here are some considerations to ask yourself along the way.

Location

The first step to buying a retirement home is choosing the area you wish to live. Real estate is all about location, meaning it is especially important to choose the correct spot to retire. Depending on the situation some of the factors that may influence your decision include proximity to friends and family, the yearly climate, and neighborhood preferences. Perhaps a community with sidewalks for evening strolls, or nearby parks for afternoon picnics will suit your needs.

Budget

Purchasing a home upon retirement depends on your budget, and how much you are willing to spend. Of course, choosing to apply for a mortgage is always an option although most include home buying into their retirement plan. If you are planning to purchase or build a retirement home, knowing how much you can realistically afford to spend will help set expectations.

Maintenance

It's well-known that the cost of owning a home is more than just the mortgage, taxes, and insurance. Factoring in the expense of maintenance and upkeep is also an important consideration when browsing for a retirement home, as most desire low-maintenance living. Whether you are seeking a home with ample yard space for a seasonal garden, or a neighborhood with homeowners association that tends snow removal and lawn care, the award winning agents at Choice Properties will help you meet your goals.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Family Activities to Do at Indian Lake

Indian Lake, perfectly situated in Logan, Ohio, is the ideal summer vacation spot for most families near the area. Indian Lake is home to a wide range of wildlife, with many inlets and bays along the 30 mile coast. It's no wonder families enjoy spending weekends here! The number of outdoor activities are bound to keep you busy, while making new summer memories with friends and family. If you are considering purchasing a waterfront home or interested in taking a weekend trip, here are some fun family activities to do in Indian Lake!

Go Boating on the Water

What's a lake trip without soaking up some rays on the boat?! Indian Lake offers various docking/loading options, and even waterfront homes with their own dock. If you don't have a boat, don't fret! Consider renting watercrafts for a day full of fun. Be sure to study the map for no-wake areas that are enforced by the State Park Water Patrol. Enjoy a relaxing day floating on the lake, or try out water skiing and tubing for a new adventure. Just don't forget to pack your sunscreen!

Hit the Trails

Start the day with a refreshing hike along the lake or a rejuvenating trail bike ride. While making your way through the woods, slow down and enjoy the peaceful pace of life here in Logan, Ohio. Explore three of the most common trails at Indian Lake:

• Pew Island Trail: 1-mile scenic walking trail, encircling Pew Island with beautiful views of Indian Lake

• Cherokee Trail: 3-mile easy walking trail, located just west of the State Park Campground

• Lakeside Bike Path: 3-mile paved path available for walking and cycling, located on the west side of Indian Lake between Old Field Beach and Lakeview Harbor

Cool Off With a Swim

Pack up the family and head to one of Indian Lake's swimming areas for a splash in the water! There are two beaches that are available for swimming:

• Old Field Beach: The largest of the two beaches, Old Field Beach is easily accessible off State Route 235 located on the west side of Indian Lake. Ample parking is available and also includes picnic shelters and restroom facilities. Don't miss the endless list of summer events that are held at this beach!

• Fox Island Beach: Located just off Orchard Island Road, this beach also includes parking, restroom facilities, grills, and several shaded trees to relax under with a blanket.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Tips on Boosting Curb Appeal This Spring

Whether you just purchased your new home or you are interested in listing to sell, curb appeal can greatly influence the exterior of a home. Curb appeal refers to the level of attractiveness one may have on a property when viewing it from the outside. There are many ways to add pops of color and a fresh look to the exterior without having to keep up with maintenance. Consider these tips on boosting curb appeal this spring, greatly enhancing the aesthetic of the home.

Power Wash the Exterior

Winter is sure to leave a layer of dirt and debris on outside windows and siding. A bucket of hot, soapy water and a long soft-bristled brush will easily remove dirt from wood, vinyl, metal, stucco, and brick. Perhaps consider renting a power washer to scrub harsh dirt from your driveway, revealing the true cleanliness. Take this time to wash outside windows as well, while clearing gutters of fallen leaves and sticks.

Freshen Up the Paint

Although you may not want to completely repaint the outside of your house, there are still small steps you can take to give the fresh, new look. Giving the front door a new coat of paint will do wonders for your front porch. Go bold this spring with a deep violet or bright yellow paint color!

Tackle the Lawn

A well-manicured lawn includes fresh mulch, pruned shrubs, and cut grass. Replacing overgrown bushes with leafy greens and colorful annuals is great to add a pop of color to curb appeal. Surround any trees with dark or reddish-brown mulch for an easy, yet classy look. Pulling weeds and planting seasonal flowers in your garden beds makes your home feel welcoming and well-groomed.

Keep Up With Maintenance

There are certainly steps you can take each spring to make your home feel new, but keeping up with yearly outdoor maintenance is key to maintaining curb appeal. Tending to hanging gutters or peeling paint as it is occuring will save you time, trouble, and money.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Should You Downsize Your Home?

It seems like yesterday you experienced the thrill of purchasing your first home, perhaps filling the space with loving pets or children. Making family memories in your home is something to cherish, but what happens when your youngest child makes the move to college? Should you downsize your home? A smaller home means less cleaning and minimal maintenance, freeing you of time and money for new activities. If you are considering moving into a smaller space, you're not alone!

How to Know When It's Time to Downsize

Choosing to live in less space often has to do with craving a simpler, low-maintenance lifestyle. Downsizing is a common trend for those who have retired and prefer less space. Not only are these homes easier to maintain, but can be found in walkable neighborhoods with easy access to amenities such as culture, restaurants and nightlife.

Questions to Ask Yourself Before Downsizing

• What will I miss in my larger home? Asking yourself what you will miss in your current home will help set you up for a plan. Perhaps you need the extra storage space, but will a rental storage unit help when downsizing?

• How much time will you save while cleaning and keeping up with yard work? One benefit of moving into a smaller home is less time spent on cleaning and yard work, which is something most people will find as a positive!

• How much will it cost to get rid of items/furniture I no longer need? If you don't have a thorough plan for selling or giving away your things, and you do it in a rush (giving valuables away to places and people you don't truly care about), you may start to feel right away that you're losing money. Take time to plan about donating extra furniture or selling it to ease your mind.

Finding Your New Home

Downsizing is a great option for many families. Not only do they save time and money in the long run, but often feel comfortable with their choice of easy living. If you are ready to find your new, smaller home, contact the award winning agents at Choice Properties today!

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Considerations When Buying a Lake House

With warmer weather around the corner, now is the perfect time to purchase a family vacation home at Indian Lake! Whether you're craving weekend getaways, a retirement home, primary residence, or a vacation home, waterfront homes offer many attractive features. However, lakefront properties come with their own set of responsibilities. It's important to education yourself to make sure you are fully aware of waterfront duties. Read through these considerations when buying a lake house, preparing you for a summer full of new memories and laughs.

Choose a Trusted Agent

Purchasing a lake home is different than purchasing the typical residential home. There are different inspections and key points to be aware of, making it important to work with a trusted real estate agent who understands the waterfront market. At Choice Properties, our real estate agents are experts at buying and selling in the Indian Lake area.

Consider More Than the Lake Itself

Buying a lake house is an exciting time! However, it is important to still consider the home itself. Be sure to not let the eagerness of the lake to get in the way of home requirements, such as number of bedrooms and space. Indian Lake offers a wide range of homes suited to meet your needs, ranging from number of bedrooms to proximity to the lake. Perhaps you wish to have a personal loading dock or storage for lake toys. Remember these wishes when visiting open houses or exploring homes.

Factor In Expenses

The fun and memories made are definitely worth the cost, but don't forget to factor in other expenses as well. Waterfront properties often have a higher maintenance checklist than residential homes, including dock upkeep, rusting items and wearing out do to the proximity of water. These expenses can easily be avoided by taking care of possessions and tackling any issues at the first sign.

Fulfill Your Lifestyle

Perhaps the most important question to ask yourself is if the property fulfills your lifestyle needs. In the excitement that comes with buying a waterfront home, it can be easy to lose sight of why you want to live near the water in the first place. For example, a home on a lake beach may require you to travel to a nearby dock to store and use your boat. If you don't mind traveling a few miles to get to your boat, then a dock can be ruled out! Your happiness is the final factor in determining the lake house you desire.

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Avoid These Mistakes When Selling Your House

Whether you are relocating for work or need an upgrade for a growing family, selling your home often comes with a wave of emotion. With packing and moving on your mind, stressing about selling your home is the last thing you should be worried about. The award-winning agents at Choice Properties are here to help make the process smooth and worry-free. However, there are a few key points to keep in mind when making this transition! Avoid these mistakes when selling your house to make the move easier.

Staying Emotionally Attached

When owning a home for the past few (or many) years, it's natural to form an attachment to a place you have nested and created memories with loved ones. Once you decide to sell, you will have to learn to detach and think objectively about your home's strengths and weaknesses.

Not Making Repairs

It's no secret that most homes need some maintenance or repairs. Most buyers are not interested in purchasing a home that comes with a list of updates. If your cooling/heating system is broken or the roof is missing some shingles, consider repairing these issues before listing your home on the market. Expensive repairs may be deal breakers for buyers but updating small stuff, like a broken door knob or leaking faucet, will leave a positive impression.

Not Staging Your Home

Staging your home is perhaps the most important step when selling. This gives buyers an opportunity to envision themselves in the space, increasing the likelihood of them making an offer. After you've thoroughly cleaned and decluttered, consider whether your furniture arrangements show your home at its best. If your rooms feel crowded, consider donating, selling, or giving away some items, or put them in storage.

Neglecting Curb Appeal

First impressions are everything when listing your home on the selling market. Landscaping and gardening should not be neglected during this time. Make sure the lawn is properly mowed, and even plant some flower to bring color and life to the area. Consider adding a new wreath or doormat to the front porch so buyers feel welcomed and relaxed.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.

Tips for Millennial Home Buyers

It's no secret that millennials' homeownership rate is significantly lower than previous generations at the same age. The Urban Institute quotes, "Today's young adults are failing to build housing wealth, the largest single source of wealth, at the same rate as previous generations. While people make the choice to own or rent that suits them at a given point, maybe more young adults should take into account the long-term consequences of renting when homeownership is an option." Although it may feel overwhelming, homeownership comes with an endless list of benefits that millennials should not rule out. The expert real estate agents at Choice Properties have gathered some tips for millennial home buyers.

Count the Costs

When investing in a home, you're not only paying for the house itself. There are extra costs to consider, such as a downpayment, closing costs, moving costs, and maintenance updates. It may sound stressful, but working with a trusted agent will eliminate most of the work and worries.

Examine Your Finances

The most important factor when buying a home is to examine your finances. When applying for a mortgage, the lender will check your income along with credit history. Take time to improve your credit, and checking your history to make sure there are no errors (which can happen!). A lender is more likely to offer a better mortgage rate when you prove you have the finances to support the purchase.

Don't Assume You Can't Afford a Home

Perhaps the most common perception of buying a home is that it's too expensive and can't be done. Although it is a large investment that requires saving money, it is possible! Take time to shop for a mortgage lender, as each one will provide different rates and offers. Seeking advice from different lenders and a realtor will help find the best option for you.

Know What to Look for

When house shopping, keep your eyes open of warning signs the home may bring. There is no worse feeling than buying your dream home only to discover it's full of maintenance issues. If you know what you're looking for these issues can be avoided, saving you money in the long run. Consider crossing the house off your list if you see:

• Warning signs of termites
• Cracked walls or distorted paint
• Foundation issues, such as uneven flooring

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Real Estate Buyer FAQs

Homeownership is a common goal shared by many in the United States. Buying a home may be one of the biggest investments we make in life and is a rewarding accomplishment! Although many share the dream of owning a home, it's common for most people to be scared about following through the process. This is due to the homebuying process feeling intimidating or overwhelming, but it doesn't have to be! Working with the right real estate agent will make the process go smooth and easy. The expert agents at Choice Properties have answered your real estate buyer questions to help put your mind at ease.

Am I ready to be a homeowner?

The first step from taking the leap from being a renter to a homeowner is viewing your current financial status. Start by taking a financial inventory of your lifestyle, debts, and assets. Lenders look for those who hold a strong financial status and reliable job, as a mortgage loan must be paid on time. Another factor to consider is your credit score. Maintaining a good credit score will help you get the best loan and interest rate.

Is renting or buying a home better?

While renting and buying both have pros and cons, it simply comes down to what a person wants when buying a house. Many look at this opportunity as an investment and take pride in homeownership. This allows you to build equity with monthly payments, while also qualifying for tax incentives to help offset new homeowner expenses.

What do I look for in a new home?

When starting your home search, start by gathering your thoughts by creating lists. Identifying what you are seeking in a home, whether it's more space or a large backyard. This will help set expectations within your home search. Ask yourself if the home you are interested in is large enough to fit your needs now and in the future.

How do I get a mortgage loan?

Before setting up appointments to tour homes, it's best to shop for a mortgage rate to understand your budget. In the pre-qualification phase, you are given an estimate of what you can borrow based on your financial status. To be pre-approved for a mortgage loan means a lender has agreed to offer you a specific amount.

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Benefits of Attending an Open House

With spring around the corner the housing market is about to be booming. Warmer weather brings the peak season of buying and selling a home. Browsing online listings is a great start and allows you to get an idea of what you're seeking in a home. However, browsing online only goes so far! Taking time to walk through houses and view details in person will help make your final decision easier. At Choice Properties, we update our open houses daily on our website. Your award-winning real estate agent will keep you updated on new homes within the area, ensuring your never miss an opportunity. Explore the benefits of attending an open house and start the journey of finding your dream home!

Stress Free Environment

Searching for a new home can feel overwhelming and stressful, especially to those new in the homebuying process. An open house gives buyers and opportunity to browse through the home in a stress free environment, allowing them to take their time with no pressure. Since no appointment is required for an open house, buyers are free to come-and-go as they please, taking things at their own pace.

Browse Neighborhoods

Open houses are a great way to browse various neighborhoods. Taking time to learn more about the neighborhood such as schools, volunteer work, local clubs and more will help you find your preferred atmosphere. Learning the types of homes and neighbors can help you develop a better understanding of what you want in a home.

Get Home Design Ideas

Another benefit of browsing an open house is to get inspired. Keep tabs on design trends and color palettes, and make note on potential layouts that catch the eye. This is a great time to see what you like and dislike in a home. Using this opportunity to explore different styles and layouts of homes prepares you for making a final decision on what you find appealing.

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

5 Things to Look for When Buying a Home

Shopping for a new house often comes with completing a checklist of amenities that suit your needs. Perhaps you are seeking more space for a growing family, a larger backyard, or simply a fresh start. This is an exciting time, but it's important to ensure your dream home doesn't come with stack of issues and repairs. Consider these 5 things to look for when buying a home to avoid a risk.

Damaged Roof

The first thing you should notice when looking at any home is the age and condition of the roof. When working with a trusted realtor, your agent should be able to guide you in the history and quality of the roof. When doing a visual check, be on the lookout for missing shingles, rusted flashing, moss, and any other spots that look concerning. A damaged roof puts your home at severe risk and could potentially damage in the interior and exterior.

Water Damage

Water damage is an expensive repair within a house. When touring potential homes to buy, keep your eyes open for signs of water damage. This includes:

• Check under sinks in kitchen and bathrooms while running all faucets.
• Check the basement or crawl space to see if there is a sump pump.
• Check the lawn for slopes, standing water, or water marks on the foundation.

Heating and Cooling

Having an air conditioner and heating system that works properly is important for your family. Ask questions, such as the age of the system, turn it on and off while listening to how it runs, and double check the filters. When walking outside, look for rust and dirt on the heating and cooling equipment. Although an inspector will test the appliances, it still doesn't hurt to see for yourself.

Foundation Faults

The foundation is the most important part of a house. When browsing homes, be sure to check for foundation faults by walking around the exterior, the crawlspace, or basement. A few signs of foundation damage includes:

• Cracks within the walls
• Uneven floors
• Rotten wood
• Tile cracks
• Doors out of square
• And more

Working Appliances and Electrical Outlets

Don't let cosmetic repairs distract you from other issues, especially in a kitchen with fresh paint and backsplash. Turn on all the appliances to confirm they properly work, run the dishwasher, and peek into the fridge. Checking appliances and electrical outlets gives you a piece of mind, and you can never be too cautious!

Choice Properties understands your needs and desires when it comes to the home search. We are here to help you define what you want, seek the best property and move forward feeling educated and able to make good decisions throughout the process. You can trust us to help you navigate it with the best real estate agents working for you. Call us to get started on your dream home search today.

Sell Your Home Fast With These Easy Updates

While preparing to list your home on a busy market, you may be wondering what repairs needs done to catch the eye of interested buyers. Big home improvements may not be necessary, but taking the time to focus on small updates will help you find a buyer in no time. To impress potential buyers, you should focus on five areas of your home. Sell your home fast with these easy updates:

Update Curb Appeal

Setting a good first impression of your home is the first step to helping it sell. Remove all clutter from the lawn and porch, like old shoes, dead plants or gardening tools. This is a great time to pressure wash your side walks and house, making it look brand new. Try hanging a new wreath or laying a new welcoming doormat by the door. Cleaning the walkway of debris and dirt will do wonders with minimal effort.

Create a Warm Welcome

Once an interested buyer has entered the home, it's important to continue the flow of cleanliness and simplicity. Entryways often consist of clutter from shoes, mail, or jackets. Clearing the space and adding baskets for mail and keys or hooks for jackets are easy updates. Adding simple art or a mirror adds a little flare to the space and keeps the area from feeling empty.

Update Your Kitchen

Kitchens are the focus point of any home. Although a full kitchen remodel isn't necessary, there are small updates that can be done to the space. Switching out cabinet hardware is one of the most common tricks in the books. This is a small task yet makes cabinets look new. Adding a tile backsplash or refreshing your grout in existing backsplash adds beautiful details.

Update Your Bathroom

Bathrooms can be a big seller point to a home buyer, where even a dated bathroom can benefit from small updates. Replacing the shower curtain can provide a color inspiration when making other changes, such as linens. Investing in a matching set of towels and a bathroom rug pulls the room together and creates a clean space. Lastly, consider replacing the mirror with a modern option that matches the faucets and counter.

Taking the time to tackle these small updates are great ways to boost selling your home. Welcoming potential buyers into a clean, updated space is the most important step and will have your home sold in no time.

Choice Properties offers you a chance to find the home of your dreams. We work with your budget and ideas in mind to support your ultimate vision. Call us if you are ready to check out the available inventory or to speak with a reputable agent who can assist you with your home buying needs.