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. 

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 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.

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. 

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.

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.

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.

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.

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.

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.

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.

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.

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.

A Beginner's Guide to Homeowners Insurance

Home insurance may not be the most interesting topic to discuss when buying a home, but it is essentials for new homeowners to understand the details that influence homeowners insurance. Virtually all mortgage lenders require insurance coverage, and for good reason! When shopping for insurance companies, understanding your policy options is key. Take time to view this beginner's guide to homeowners insurance to help understand what a basic homeowners policy provides.

Damage to the Interior or Exterior of Your House

There are a number of tragic events that could damage the interior or exterior of your home. A few to consider are:

• House Fires
• Hurricanes
• Lightening
• Vandalism
• Other Natural Disasters

In the event of damage due to covered costs, your insurer will compensate you for repairing or rebuilding if necessary. However, damage caused by floods, earthquakes, or poor home maintenance are not covered and you may need to find an outside provider.

Loss or Damage to Personal Belongings

Clothing, furniture, appliances, and other valued items are often covered if they are destroyed in the insured disaster. However, there may be a limit amount depending on the company you choose to insure through. According to the Insurance Information Institute, most insurance companies will provide coverage for 50-70% of the amount of insurance you have structured in the home.  

How Much Does Homeowners Insurance Cost?

According to the National Association of Insurance Commissioners, the average cost of homeowners insurance was $791, however this rate can easily fluctuate based on insurance companies and specific policies. The price is first determined by how much coverage you purchase which is a decision you must make after determining the value of your home and taking inventory. Other factors that can influence the cost are your zip code, the size of the house, proximity to fire hydrants, the condition of plumbing, and electrical systems.

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.

A Checklist for First Time Homebuyers

Buying your first home comes with a wave of exciting emotions but can feel just as scary diving into the new world of home ownership. Purchasing a home is the American dream, and you should feel proud of your accomplishments! With this being one of the largest investments you'll make in life, it's worth going into the process knowing what is required. The award-winning real estate agents at Choice Properties have created a checklist for first time homebuyers, ensuring your set and ready to start house hunting!

Check Your Credit Score and Credit Report

The first task you should check off your list is checking your credit score. This is the number mortgage lenders will refer to when determining your loan approval or amount. If your credit score isn't where you want it to be, keep working on improvement! Having a good credit score will save you money down the road, as a higher credit score means a lower interest rate. While you are reviewing your credit report, be sure to double check for any blemishes or mistakes. Credit errors are more common than you think, and reviewing your report ahead of time allows you to contact the credit bureau to correct any mistakes.

Calculate a Budget

After ensuring your credit is in the clear, you can now calculate how much you can afford when buying a house. Consider using a mortgage calculator to determine your monthly mortgage payment, which allows you to adjust depending on the size of your down payment, the type of mortgage, and interest rates.

Shop For a Mortgage Lender

Just as you shouldn't buy the first car you test drive, you also shouldn't accept the first loan offer by a mortgage lender. Different mortgage agencies will offer a wide variety of rates and programs, so it's best to shop around to find one that matches your preference.

Find a Trusted Real Estate Agent

Although you think you may be able to tackle the home buying process alone, there are small details that go into making sure you find the best home at the best deal. Finding a trusted real estate agent ensures you are negotiating the appropriate price while not missing out on new postings. Working with a buying agent who immerses themself in the market allows you to rest easy with minimal stress. At Choice Properties, our expert agents make our customers a top priority, promising to work hard until we find the home of your dreams.

Visit Open Houses

While your real estate agent is finding you a home that matches your wishlist, it is also encouraged to browse open houses in the meantime. Browsing the internet for online listings is great, but viewing the properties in person is even better. Take advantage of open houses during weekends, mapping out times and directions to plan a full productive day. Taking photos and notes at each house helps you keep your thoughts clear and precise.

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.

Step-by-Step Guide to Getting a Mortgage Loan

The vast majority of home buyers will need a mortgage loan to achieve their dream of homeownership. For new homeowners, this process may feel overwhelming leaving you insure where to start. The experts at Choice Properties have shared the step-by-step guide to getting a mortgage loan, preparing you for what lies ahead.

Shop for a Mortgage

Just like shopping for homes, you should also shop for a mortgage loan rather than settling! All lenders offer different options, so it's important to research those with various interest rates, closing costs, and more. Completing this step will help you pinpoint any concerns lenders might have with your application, giving you time to fix the flaws leaving you an ideal match when it's time to make an offer on your dream home.

Get Pre-Approved

The goal of meeting with a mortgage lender is to get pre-approved for a loan. During this process the lender will go through your financial past, focusing on your income, debts, credit history, and other factors that influence a loan to determine how much money you can borrow. It is highly recommended to be pre-approved for a mortgage loan, as this shows sellers you have the financial backup to make a purchase. To apply for pre-approval, you will need:

• Two years of federal tax returns
• Pay stubs from the past 30 days
• Quarterly statement of your asset accounts
• Any other current real estate holdings
• Residential history of the past 2 years
• Proof of funds for a downpayment

Close the Deal

After purchasing a home and signing a sales contract, it's time to close the deal! When buying a home you "take title" of the property, meaning you are the full owner. Once you prove to the lender you now have the title, you then meet one final time for closing paperwork. This is where the buyer, seller, a lender representative, and any others involved will meet to sign all the paperwork, transfer all money owed, and hand you the keys to your new home.

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.

Read This Before Buying a Fixer Upper

Whether you're a first time home buyer or experienced with the home buying process, purchasing a house is an exciting time! Taking time to discuss your desires in a home with a trusted realtor will help make your dreams come true. For some, this may be newly built home with extra storage on a limited budget. Others may prefer to purchase a "fixer upper", which requires an open mind and deep conversations. The agents at Choice Properties suggest you read this before buying a fixer upper, preparing you with questions to ask along the way.

Questions to Ask Your Agent

What is the value in this neighborhood?

It's important to keep in mind the area in which you're looking to purchase a fixer upper. Considering your investment in the long run is critical with these projects, as you don't want to get stuck in a house you can't sell down the road.

Is the home located in a historic district?

Purchasing a victorian home to renovate is a dream had by many. Featuring original crown molding, wainscoting, and beautiful stained-glass windows. Your agent should make you aware of this, but homes in historical districts often have to be renovated with an association or to a city standard. This means obtaining approval for projects and updates, which also comes with a price tag.

Questions to Ask Yourself

How is the overall layout of the home?

Although changing the layout is possible, it's also an extra cost along with time added to the project. Considerations for how existing rooms flow and which walls are able to be knocked down to create a larger space should be kept in mind. Make note of the number of bedrooms and bathrooms you are seeking versus what the house currently offers. Will you have to add another bedroom or bathroom?

Do you have the time, patience, and energy for a fixer upper?

Choosing to completely renovate a home is a large project that requires many considerations. Are you prepared for unexpected issues or delays? Asking yourself these questions will help you decide if a fixer upper is truly what you are seeking.

Flipping a house is a big project, but can be done with determination!

Fixer uppers can be great investments in the long run, but require a promised commitment. Ask yourself if you are truly ready for a big project and tackle it head on, creating the home of your dreams!  If that answer is yes, it's time to call a Choice Properties agent to discuss the current options on the market!

Choice Properties understands your needs and desires when it comes to the home search. Whether you are looking to purchase a fixer upper or move in ready home, our team is ready to help. 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.

10 Waterfront Home Buying Tips from our Agents

From searching for the perfect location to getting pre-approved, purchasing a waterfront home can feel like an overwhelming process. At Choice Properties, our expert lake house agents understand the ins-and-outs of buying a waterfront home, eliminating the stress and worries that tag along. These 10 waterfront home buying tips from our agents will give you awareness on what to expect when purchasing a home by the water.

   1.Find a trusted real estate agent who is familiar with the waterfront area.

An average real estate agent will not have the detailed knowledge of waterfront properties in Ohio to help you find the best deal for your budget. Although you may think you found a great deal, it's important to make note of features and amenities the home lacks that makes it a great deal. Having a trusted real estate agent will ensure you are getting the most out of your budge.  

2. Consider the property rather than the house structure.

Often times with waterfront properties, many buyers will fall in love with a house and not realize the mucky water or lack of privacy. Keeping an open mind and buying a property you love rather than a house you love will drastically change the outcome. It's important to remember a house can always be updated, but can not be relocated.

3. Purchase a property that truly suits your lifestyle.

You may find a property you love, but it could be 30 minutes from the lake or your desired location. If you enjoy going on the boat or watching the sunset by the lake, that drive will change the amount of times you truly get to take advantage of those activities.

4. Research loan options early.

Since most waterfront properties are more expensive than residential homes, loans often fall into the higher end of a mortgage payment with a lake house. Because of this, lenders only consider buyers who are extremely qualified knowing they can afford the second home. It's better to look into loan options early on in the process to prepare your house hunt.

5. Make sure the home structure is able to withstand water.

Unlike average homes, waterfront properties are more exposed to harsh elements, meaning extra measures should be taken to protect the home. Taking the appropriate action to take care of the home will ensure years worth of use.

6. Insurance can be more expensive and complicated.

Along with the loan options, getting home insurance for a lake home can be more expensive and take quite a while. Each state holds different regulations for the type of insurance needed, so being aware of these and deciding which insurance is best for you will relieve stress in the long run.

7. Research potential projects you can do with the property.

If you are interested to making changes to your waterfront property, such as adding a deck or boat dock, we suggest starting these projects early to ensure the projects are doable. Also researching activities that are allowed on the lake will prepare you to what to expect, such as jet ski restrictions or other rules.

8. Chat with local neighbors.

Stop by the local community and neighbors to see how they enjoy living in the space or if they have any issues. Discussing these will allow you to get insider-information, and they may even offer tips to landing the waterfront property of your dreams.

9. Look into the expense of utilities.

Those who are looking to buy waterfront may not have considered the expense of utilities. Bringing services such as cable, wifi, clean water, septic systems, or electricity can be expensive and should be planned out in advance.

10. Understand the responsibilities that come with being a waterfront homeowner.

Understanding the responsibilities of your property will come with a smooth transition and happy neighbors. If your waterfront property is part of an HOA, be sure you are familiar with the rules and agree to follow.

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.

4 Reasons You Should Buy a New Home this Fall

Fall is beautiful season for many reasons, from orange and yellow hues on the trees, to pumpkin carving with kids and savory comfort soups on the stove. There are many reasons to fall in love with fall, but did you know it is also the perfect season to buy a new home? Similar to how you score deals at your favorite clothing store during the season change, real estate works the same way! Fall is one of our favorite seasons here at Choice Properties because of those who are taking advantage of the peak season. Our expert agents have listed the top 4 reasons you should buy a new home this fall!

Inventory from Spring

Those who are looking to sell their home tend to do so at the first sign of spring, assuming the fresh greenery and flowers blooming will appeal buyers. Although there is never a bad time to sell, these homes often get listed too high resulting them sit on the market throughout the summer. If the house is still on the market come fall, the price usually gets reduced making it a prime time. This is the perfect time to browse properties you have had your eye on to see if they are still available and if the price is down.

Less Competition

Most families with children start their home-hunt at the beginning of summer, allowing them to move right before the new school year. This also means these buyers are no longer shopping for a house, creating a decrease in the competition. Take advantage of open houses being less crowded, leaving conversations with a good first impression expressing interest.

Sellers are Motivated

With winter and the end of the year approaching, sellers are more motivated to get their homes sold in order to close before the end of the year. When selling before December 31st, they are ensured a tax benefit. Most sellers are also looking to close before holiday's, eliminating the stress and thought to enjoy time with family. If you come across a seller who seems eager to get the process moving, take advantage!

Lack of Landscaping

With the trees losing leaves and summer flowers dying, landscaping may seem unappealing to multiple buyers making them uninterested in the space. Keep an open mind and use this as a motivator to think creative.

There is a great deal of benefit from those who decide to buy a new home during the fall months. If you decide to hold-off on shopping around until fall, you will be grateful to see an open market with reduced pricing and less competition.

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.

What's the Difference Between a Fixed Rate and an Adjustable Mortgage Rate?

Taking on a new journey of buying a home is an exciting time, but also comes with creating a budget and researching loan options. You may be asking yourself, what's the difference between a fixed rate and an adjustable mortgage rate? While the marketplace offers a wide variety of loans within these two categories, the first step when researching mortgage options is determining which of the two main loan types fit your needs.

Fixed Mortgage Rate

A fixed rate mortgage is a well-known loan option, especially for those looking to buy their first home. During this loan option, the interest rate is set for a certain amount of time, ranging from 10, 15, or 30 years. During that time, the interest rate does not change giving homeowners a state of certainty.

Adjustable Mortgage Rate

The second loan option is an adjustable mortgage rate. Unlike a fixed rate, this option means your interest rate can change periodically meaning monthly payments could go up or down. Adjustable rates typically start with a low interest, but will rise as time goes on, also rising your house payments.

One of the most difficult decisions most homebuyers will deal with is choosing between a fixed loan or adjustable loan. At Choice Properties, we understand each buyer situation is different, motivating us to ensure your home needs and desires are met.

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.

Things to Consider about Buying a Fixer Upper

Older homes hold true characteristic in both their interior and exterior, making them great for fixer uppers. Updating an older space allows you to treasure the unique statements, such as discovering hidden shiplap or restoring old hardwood floors and bring out the raw beauty within the home. Not only are historic homes beautiful for fixer uppers, but can also come with a cheaper price. Your Choice Properties real estate agent can help find your dream fixer upper within your price range and desired features. In the meantime, we have created a list of things to consider about buying a fixer upper, ensuring you are fully prepared for the flip.

Talk to an Inspector

When buying an older home, it's common of the home to come with both cosmetic and design updates. It's important to speak with an inspector to fully understand the condition and safety of the home, ranging from plumbing, electrical, to foundation. Having a complete understanding of the home's risks will prepare you for updates needed, allowing you to adjust your budget on the renovation.

Break Down Investments

Upon making a plan based on the inspectors findings, your next step should be to go through investments with your contractor. Sorting through different options for repairs while staying in budget gives you the chance to see where your money can go. Selecting a contractor that cares enough on your project will be patient as you decide your best options.

Ask Yourself How You Feel

When taking on the project of a fixer upper, it definitely comes with a commitment! The investment of time and money comes with patience needed. Several months are required during renovation, leaving you to be completely sure you are ready for this adventure. Don't be afraid to change your preferences in the middle of house hunting! Your Choice Properties real estate agent is here to offer patience as we help find the home of your dreams.

Fixer uppers can be great investments in the long run, but require a promised commitment. Ask yourself if you are truly ready for a big project and tackle it head on, creating the home of your dreams!

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.

Costly Mistakes to Avoid After Buying Your First Home

Buying your first home is a rewarding accomplishment in life. To officially call yourself a homeowner and knowing your hard work paid off is a memory that will last forever. Although you should feel prepared to avoid pitfalls, it never hurts to research common problems almost all new homeowners experience. The last thing you should be worrying about is not being prepared for the unexpected. We have curated a list of costly mistakes to avoid after buying your first home to help your process be smooth and memorable.

Investing in Multiple Expensive Home Improvements

Updating your home consists of fun projects worth planning, but don't let the eagerness make you invest in too many home improvements at once. Tackling one project at a time will keep your budget in line and ensure a well completed renovation. If you are debating between which home improvements to start, consider speaking with a trusted real estate agent to discover which options add more value to your home. Adding value to a home is a great option when planning for long-term goals.

Ignoring Maintenance Issues

Moving into a new home comes with the chance of having to deal with any surprises, from a leaking sink to water damage. Tackling these small maintenance issues in the beginning will prevent you from spending extra money down the road, as the issue only progress in time.

Selecting The Cheapest Options

The saying "quality over quantity" goes hand-in-hand in renovation, even though quality may come with a price. Whether it is the flooring you choose or the contractor who installs, avoid making a poor mistake only for the fraction of the cost. When searching for contractors to assist in home renovations, be sure research previous work and read testimonials from clients in the past. The price you pay will show within the materials.

Performing a DIY on Complicated Projects

Do it yourself projects are fun and shows off your hard work! However, don't get too wrapped up in a project you can't handle or finish yourself. Painting your walls and hanging art are great tasks to complete yourself. When it comes to electrical issues or plumbing, it's best to leave those for the pros. Hiring a professional will not only save time and money, but will ensure a completed project performed the right way.

Calling yourself a homeowner is exciting and should come with a proud feeling! It's important to keep in mind the responsibilities that come with homeownership, from small maintenance issues to big renovations. Be prepared when tackling sudden leaks or water damage to keep your home value rising.

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.

Beautiful Homes for Sales in Huntsville Ohio

The Village of Huntsville is a community of around 450 in north central Logan County, Ohio. This small town is a great place to raise a family in a friendly community. Huntsville real estate is reasonably priced and affordable for anyone looking to live in a safe town full of neighbors, not strangers.

History

Originally, Huntsville became incorporated in December 1865. A rail system was run through town which increased economic development and residential growth and placed increasing amounts of Huntsville real estate on the market.

Geography

The United States Census Bureau noted the village has a total area of 0.30 square miles, all land. It is the northernmost village in the Hunstville, Sollysville and Cherokee combined areas within the Indian Lake Region. The proximity of the Village of Hunstville to nearby lakes and water make it an affordable location for families to own Huntsville homes for those who want to be close to great parks and schools. Despite its small size, the Village of Huntsville lies at the intersection of several highways including State Route 274 (which runs through the village) and State Route 117 on the southern end of Huntsville. U.S. Route 33 passes on the southwest edge of the village with State Routes 366 and 368 located on the eastern ends and north end of the village, respectively. The proximity to several transportation routes provides access to nearby towns and cities for people who wish to take advantage of all they have to offer. Huntsville real estate including properties and land make viable options for any families seeking to move into the area.

Community

Approximately 431 people including 123 families reside in the village as of 2010. Of the 159 households, over 42% had children under the age of 18 living with them. The median age of the village is 35.6 years old signifying a large number of families with younger children (30.9% were under age 18) which builds community life and brings people together. Local activities can be found in Indian Lakes as well as the nearby town of Bellefontaine. Many families choose to purchase Huntsville homes due to its proximity to dining and entertainment options but still maintaining affordability.

Schools

The Huntsville School District was formed around the same time the village was incorporated. Initially there were two school rooms with about 150 students, according to the Logan County Historical Society. Today, students attending school attend Indian Lake School District in nearby Indian Lake. Approximately 1,800 students are served in grades K-12. The district is proud to say they hold an 'Excellent with Distinction' rating by the Ohio Department of Education. Indian Lake Schools support a culture of safety and learning for students while encouraging parents to participate with teachers to make a learning community which supports excellence for students. Many activities are available to participate in such as arts, music, advanced classes for high school students looking to receive additional training for careers or college after graduation and several sports.

Choice Properties is always here to answer any questions, regarding searching for your dream house or selling your current house. Give us a call!

There are several Pros and Cons of Renting When You Retire, especially when considering homes in Indian Lake Ohio.  Older renters are on the rise, with households aged 55 and over contributing 42 percent of renter household growth as reported by the Joint Center for Housing Studies at Harvard University in 2015. The rate will only increase as more Baby Boomers hit retirement age. Consider some of the pros and cons of renting in retirement.

 

Pro: no more mortgage

People who choose to rent in retirement are no longer making monthly mortgage payments. Depending on the financial situation, this may mean entering retirement debt-free.

Con: No more taxes

Homeowners receive tax incentives including deductions for property taxes and mortgage interest. Savings can add up in states with high property taxes.

Pro: No longer tied down

Dream retirement looks different for people but many enjoy the freedom of not being tied to a home. Renting offers flexibility since there is no house to maintain.

Con: Losing 'homeowner' status

A sense of pride comes with being a homeowner. Emotional attachment may occur with a home so mental preparation is required before selling and moving on.

Pro: Less stress over maintenance

Property ownership comes with a huge burden of maintenance which becomes more cumbersome with age. A single-family home may mean responsibilities for repairs, manual labor, mowing, shoveling snow or cleaning gutters. A rental means the landlord or property management company generally takes over those tasks.

Con: Expenses

Renting can be more expensive than owning one's own home, depending on location. Interest rates for mortgages may make it more affordable to consider home ownership.

Pro: Amenities and no fees

A single-family home may provide stability but renting may offer amenities such as a swimming pool, fitness center, party room, lounge and private parking. If traveling in retirement, a concierge can accept packages as a nice perk when people are away.

Con: Dealing with landlords

It takes getting used to having someone else in charge while renting. Having a landlord or property management company can feel oppressive. Screen potential places before signing a lease, talk to previous tenants and find out how the landlord responds to maintenance issues. The landlord or property management company can decide to raise rent once lease is up.

Renting versus home ownership is a personal decision for people entering retirement. Many factors must be taken into consideration including age at retirement, health, economic status and any desires to travel. It is up to each individual or couple to decide what will work best in retirement and provide for their individual needs moving forward.