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February
19

 

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.

January
27

 

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.

September
5

An Overview of the Mortgage Loan Process

Through the various steps of purchasing a home, the getting qualified for a loan may feel the most overwhelming for first-time homebuyers. The expert agents at Choice Properties understand this and are here to guide you through, which is why we created an overview of the mortgage loan process. From getting an assessment to a loan officer pre-approving you, we want you to enjoy every moment of making your dream home a reality.

Pre-Approval

The first step to obtaining a mortgage loan is go through a meeting with your lender to discuss credit score and credit history with a third party, called a tri-merge credit report. This will give you an estimate of how much money you can borrow based on financial information, such as your employment and income. Mortgage pre-approvals show sellers that you are serious with a home purchase, making you stand out among other interested buyers.

Pre-Qualified

During your research for a mortgage loan you may find pre-approval and pre-qualified, but it's important to know the difference. A pre-qualification holds a lesser meaning and is a simple glance at a borrower's credit and capacity to repay a mortgage. This is usually completed by a loan officer asking the borrower simple questions regarding credit and there is no third party involved. Although this step is good to have with your lender, it usually does not influence a seller or real estate agent.

Final Approval

This is the most excited step of the mortgage loan process! Closing on a loan means the mortgage is official and final disbursements are made. During the final approval, documents are drawn where they are then sent to the title company where the closing takes place. You have a three day window to view the terms of the loan before officially signing. Once the documents have been signed, you are then ready for move into a 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.

August
22

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.

May
17

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.

October
19

 A vacation home purchase can be a great place to spend time with family and friends or as an investment property. It is essential to do research to make sure one's money is invested in a property which will continue to give back for a long time to come.  If you're on the lookout for a great vacation lake home, here's our advice on how to find the perfect vacation home on the lake here in beautiful Ohio.

How to Find the Perfect Vacation Home on the Lake

Opportunities

Many opportunities exist to find the perfect vacation home on a lake. Buyers of new-construction vacation homes have many options in various price ranges. The opportunities for existing homes on the market exist, but price points may vary as will wear and tear on the property which can create more headaches than opportunities. It is worth doing some research up front on the kind of property desired prior to purchasing.

 

Multifamily Properties

Vacation home buyers may consider properties designed for families or people who will use the space part-time and want a higher-than-average return on investment when it is not in use. Multi-use properties are more ideal for individuals willing to rent space out than families who plan to reside in the space on a more full-time basis/

 

Plan to Rent

Plan for the possibility the home may become a rental property at some point. Circumstances change and the ability to save an investment might depend on converting vacation property to one that produces income. Look into rules which may prohibit rental of the property or prevent a person from renting it out.

 

Create a Business Plan

A vacation home that will be owner-occupied or for rent are different scenarios. Calculate expenses for the property and prepare for the unexpected. Colder-weather locations, such as Ohio, may require extra money for burst pipes or a leaky roof.

 

Purchase in a Desirable Market

Even if the plan is not to use the property for one's own vacations or to rent on a part-time basis, it is essential to visit on a regular basis, twice a year at minimum, to be sure the property is being well-maintained. Location matters for vacation homes. A property located 10 blocks from the lake may be less expensive but can decrease the resale price or ability to rent it out. Looking to stay in one which is closer to a lake, if desirable, can increase the home's desirability and value.

 

Insurance

Obtain insurance for a property near the lake. Flood insurance for waterfront property may make it an expensive investment but is worthwhile if done at a reasonable rate.

 

Some advance preparation, research and due diligence can help individuals find a profitable investment, a vacation home of one's dreams and is sure to bring joy to any person's family for years to come. Contact a qualified Choice Properties real estate agent with years of experience buying and selling in the Bellefontaine area to start looking at available properties and seeing what's available to make the dream a reality.