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  • 6 SMART HOME DEVICES FOR LESS THAN $100

    Every day, the world presents us with new technology. It seems like there isn’t much left that technology can’t do. Thankfully, with every advancement, many items have become more affordable. While a high-tech home may not be the choice for everyone, there are plenty of budget-friendly options to try out if you are interested in making your home a little bit more accessible. Here are 6 items to try:

    1. Smart SpeakersSetting reminders, asking questions, and playing music on demand has never been so easy! Smart speakers are capable of making lists for you, looking up recipes, and so much more.
    2. Smart PlugsLeft the coffee pot plugged in and need to turn it off, but you aren’t home? Smart plugs allow you to turn off (and on) something plugged in from your phone. These are also great for lighting systems like lamps or even holiday lights.
    3. Smart DoorbellsSmart doorbells are an incredible investment. Monitor who is ringing your doorbell, when packages are dropped off, and so much more all with your phone!
    4. Smart LocksLost keys? Need to let someone in to water your plants while you are out of town? Smart Locks allow you to use your phone to lock and unlock your door, or just use a keypad!
    5. Smart SwitchesSmart switches allow you to turn lights off and on with your phone. Next time you forget to turn off the kitchen light and you are already in bed, smart switches can save the day!
    6. Smart BulbsAdjust the brightness of color in any room when you install smart bulbs. Great for kids or rooms where you want to be able to dim the lights!

  • MAKE YOUR HOME A BUG-FREE ZONE

    As we navigate our way through this summer, many of us are likely spending more of this season at our homes than usual. While relaxing outdoors can be a great way to spend your time, you might find that you are running into bug issues. Unfortunately, nice weather usually means an increase in pesky bug activities. Here are 5 simple ways to make sure you can enjoy your space outside and make your home a bug-free zone.

    Get rid of any standing water.

    Make sure you clean out gutters and downspouts regularly. While you may be aware that stagnant water attracts bugs, you may not realize those gutters can trap water and become a mosquito breeding ground. You should keep kiddie pools and watering cans empty when not in use.

    Add plants that bugs hate.

    Mint and citrus plants are your best bet to battling bugs you may not want around. Here are some pest-repelling plants and the bugs that hate them: Some of the best additions to your garden to keep bugs out are: basil, catnip, citronella, lemon thyme, lavender, marigold, rosemary.

    Keep a tidy yard.

    Bugs, especially ticks, love to hide in tall grass. Make sure you are mowing your lawn regularly and making sure plants aren’t crowding your home or giving bugs easy access inside.

    Don’t mulch too much (or too close)!

    Mulch generates heat as it decomposes, so it gives cockroaches and ants an ideal environment to nest and end up inside your home. Try to keep mulch areas a foot or so from your home’s foundation or consider inorganic mulch options.

    Install patio fans.

    An easy way to get rid of mosquitos is to add a patio fan to your outdoor space. Their bites are a pain, but they don’t put up much of a defense when they are pushed away by outdoor fans.

  • When Should You Invest In Rental Properties?

    If you are considering becoming a property investor, you may wonder why you should buy a rental and what indicators to look for when trying to find a property. Here are some signs to look for if you are on the fence about investing in a rental that indicate it is a great time to buy!

    Low Interest Rates

    When mortgage rates drop, it is much easier to make a property produce income. The best place to figure out what kind of interest rate you will get for an investment property is with a lender. Check in with them to figure out how to start the process, and contact an agent to help you start viewing potential properties.

    Home Equity

    Check in with a local Realtor to see how much your current home is worth! Some investment properties require a high down payment, but low-interest rates, refinancing and knowing your home value can make a difference. For example, if you need to borrow 10%, many homes in good markets can appreciate 10% of their value in just a year, depending on the condition and the location. Chat with a lender to see if you can qualify, and check in with your current mortgage company to discuss your plan.

    Scarcity of Units

    Do you live in a location where rental units are in high-demand? Maybe your city is growing and the demand for a space to rent is higher than the available properties. If that is the case, now is the best time to find a property to purchase for rental purposes.

    Return Rate

    If the rate of return in your county is growing, it might be a good time to invest in property. If there is a yearly increase, you can make significant gains over time.

    Ultimately, talking to Gulf Life Real Estate professionals can help you decide if now is the right time to invest in rental properties!

  • Planning To Sell Your House? It’s Critical To Hire a Pro.

    With higher mortgage rates and moderating buyer demand, conditions in the housing market are different today. And if you’re thinking of selling your house, it’s important to understand how the market has changed and what that means for you. The best way to make sure you’re in the know is to work with a trusted housing market expert.

    Here are five reasons working with a professional can ensure you’ll get the most out of your sale.

    1. A Real Estate Advisor Is an Expert on Market Trends
    Leslie Rouda Smith, 2022 President of the National Association of Realtors (NAR), explains:
    “During challenging and changing market conditions, one thing that’s calming and constant is the assurance that comes from a Realtor® being in your corner through every step of the home transaction. Consumers can rely on Realtors®’ unmatched work ethic, trusted guidance and objectivity to help manage the complexities associated with the home buying and selling process.”
    An expert real estate advisor has the latest information about national trends and your local area too. More importantly, they’ll know what all of this means for you, so they’ll be able to help you make a decision based on trustworthy, data-bound information.

    2. A Local Professional Knows How To Set the Right Price for Your House
    Home price appreciation has moderated this year. If you sell your house on your own, you may be more likely to overshoot your asking price because you’re not as aware of where prices are today. If you do, you run the risk of deterring buyers or seeing your house sit on the market for longer.
    Real estate professionals provide an unbiased eye when they help you determine a price for your house. They’ll use a variety of factors, like the condition of your home and any upgrades you’ve made and compare your house to recently sold homes in your area to find the best price for today’s market. These steps are key to making sure it’s set to move as quickly as possible.

    3. A Real Estate Advisor Helps Maximize Your Pool of Buyers
    Since buyer demand has cooled this year, you’ll want to do what you can to help bring in more buyers. Real estate professionals have a large variety of tools at their disposal, such as social media followers, agency resources, and the Multiple Listing Service (MLS) to ensure your house gets in front of people looking to make a purchase. Investopedia explains why it’s risky to sell on your own without the network an agent provides:
    “You don’t have relationships with clients, other agents, or a real estate agency to bring the largest pool of potential buyers to your home.”
    Without access to the tools and your agent’s marketing expertise, your buyer pool – and your home’s selling potential – is limited.

    4. A Real Estate Expert Will Read – and Understand – the Fine Print
    Today, more disclosures and regulations are mandatory when selling a house. That means the number of legal documents you’ll need to juggle is growing. NAR explains it like this:
    “Selling a home typically requires a variety of forms, reports, disclosures, and other legal and financial documents… Also, there’s a lot of jargon involved in a real estate transaction; you want to work with a professional who can speak the language.”
    A real estate professional knows exactly what all the fine print means and how to work through it efficiently. They’ll help you review the documents and avoid any costly missteps that could occur if you try to handle them on your own.

    5. A Trusted Advisor Is a Skilled Negotiator
    In today’s market, buyers are also regaining some negotiation power as bidding wars ease. If you sell without a professional, you’ll also be responsible for any back-and-forth. That means you’ll have to coordinate with:

    • The buyer, who wants the best deal possible
    • The buyer’s agent, who will use their expertise to advocate for the buyer
    • The inspection company, which works for the buyer and will almost always find concerns with the house
    • The appraiser, who assesses the property’s value to protect the lender

    Instead of going toe-to-toe with all the above parties alone, lean on an expert. They’ll know what levers to pull, how to address everyone’s concerns, and when you may want to get a second opinion.

    Don’t go at it alone. If you’re planning to sell your house this winter, let’s connect so you have an expert by your side to guide you in today’s market.

  • Questions To Ask When Buying New Construction

    Buying new construction is a different process than buying your typical pre-built home. What’s included, what’s not, and what’s hidden in that massive contract depends on the builder that you use. As with any situation where you’re moving or about to spend a lot of hard earned money, it’s important to go in prepared – and that means asking the right questions.

    The first interaction you’ll have with the builder – and in fact, the first several, at least – will be with the builder’s sales representative. These early meetings are your chance to ask all of the questions you might have regarding costs, labor, and other essentials that you need to know about before jumping in. Write your questions down before you go in so that you can be sure not to forget anything important, and don’t be shy about getting the answers that you need. This is a major purchase, and you don’t want any surprises later.

    Not sure exactly what you need to be asking about? These 10 questions to ask when buying a new construction home will help get you started.

    Is the lot cost included?
    When you’re exploring new construction options, you’ll see that each plan comes with a base cost. This is the cost of the structure itself, as well as base interior and exterior features (we’ll get into those in a little bit). What may not be included is the cost of the land, so be sure to ask if the lot cost is figured into the base.
    If the lot cost is included, ask if there are premium costs for certain lots. It’s possible that the base cost does include the lot, but the remaining lots in the development all have added costs for certain features that you can’t opt out of, such as look-out windows in the basement or wider yards. If the lot cost is not included, ask what it is (and whether there are additional premium costs) and factor those into the base price for the house.

    How long will building take?
    It’s important to know what you’re getting into timing-wise with a new construction build, particularly if you have a house to sell first or you’re going to be renting. While the building process is prone to delays and you won’t be able to get a finite schedule for how long the build will take, you’ll be able to get a general idea of what you can expect. Be sure to also ask if the build time includes the time it takes to get the permits, since those will typically take about 30-45 days to obtain.

    What warranties are provided with the house?
    Just because a home is brand new doesn’t mean that no problems will arise. Fortunately, most new construction homes come with one or more warranties that protect you in the event of a mishap early on, including a short term whole-house warranty and a longer structural warranty. Ask what the warranties include and how long they last. While you can always buy your own home warranty, you should expect that the builder will cover you in some way for at least the first several years.

    What are the standard finishes?
    Does a base cost look too good to be true? That might be because the builder is expecting you to spend big when it comes to finishes like flooring and countertops. Ask what types of finishes are included, and better yet, go through the model unit with the sales representative and have them point out what’s standard and what is an upgrade. You likely won’t meet with the design center until after you’ve gone under contract, so it’s important to figure out early what sorts of finishes and appliances you can expect to be included in the home’s base price.

    Are you allowed to purchase your own appliances or materials?
    Had your heart set on butcher block countertops but the builder doesn’t offer them? It’s possible that you may be able to purchase them yourself and then have the builder install them. Alternately, some builders won’t let you purchase your own materials, but they will let you bring in your own appliances, even on items that are included in the sale, like sinks and toilets. Keep in mind that, in terms of appliances, you probably will have to make some purchases on your own, such as washers, dryers, and refrigerators.

    If you can bring in your own materials or appliances, will you get credits?
    Let’s say the base price of your new construction home includes a kitchen sink worth $200, but you’d like to upgrade and purchase a sink on your own that costs $400. Will you get $200 off the purchase price for not using the sink that’s included in the base? Some builders offer credits for any upgrades or self-purchased materials or appliances, while with others you’ll just have to eat the cost of the originally included item. Credits are a nice touch, but they’re not usually standard, so it’s best not to go in expecting that you’ll get money off the base cost for purchases like these. In general, builders don’t like to lower the base cost, but if they do offer credits, that’s a win for you.

    Is landscaping included?
    Depending on the size of your yard, landscaping, including sodding and putting in trees and plants, can set you back several thousand dollars or more. Is that a cost you’ll have to factor in on top of the home purchase? Some builders include your basic yard work, while others leave you with unfinished land that becomes your responsibility to landscape (and generally must be completed in a set amount of time, per the contract). Ask whether landscaping is included, and if so, what that entails and if there is any sort of warranty on the materials so that if your newly sodded grass dies right away or some other mishap occurs you’re not responsible for fixing it.

    Does the contract include a cost escalation clause?
    New builds are notorious for last minute surprises, but you don’t want to be on the hook financially if it happens. A cost escalation clause allows the builder to charge you for any unanticipated costs that arise as a result of necessary labor or materials. So if lumber prices go up before the builder has purchased the materials for your flooring, or an unexpected delay adds a few weeks onto the build, you’re on the line for those costs. If you’d rather not deal with the stress of unanticipated costs, find a builder that doesn’t include a cost escalation clause in the contract.

    Are there any homeowners rules or regulations?
    Even if there is no homeowners association for the development, the builder may still set some guidelines as far as what’s allowed and what’s not on your property. For example, you may not be able to use a particular type of fencing or install a shed in your backyard. It’s better to ask this question early and know what to expect than to move in and find out that you can’t bring into fruition certain plans you had for the space.

    Are there any financial incentives for using the builder’s preferred lender?
    Some builders offer discounts on closing costs if you obtain your mortgage through a company that they have a relationship with. Ask if these sorts of financial incentives are offered, but don’t make your final decision about where to get your mortgage based on the discounts alone – you may still be able to find a better deal through other lenders. It’s still good to know however if there are benefits to working with the builder’s preferred mortgage company.

    If it’s your dream to build a new construction house, go in to the process with an open mind and a clear idea of what you can expect. The more questions you can ask in the beginning, the less surprises you’ll potentially face in the future.

    And as with any home purchase, be sure to have an attorney read over your contract so that you can be sure everything is fair and equitable. Some buyers of new construction prefer to go in to sales meetings with a real estate agent as well, though in my own experience, I didn’t find that to be necessary. Be smart, ask the right questions, and at the end of the day (or fine, year) you’ll end up with a beautiful home built just for you.

  • 5 Must-Do’s Before Buying a House

    If you’re ready to begin the journey of homeownership, it is important to cross a few items off of your to-do list before hunting for the perfect house. Buying a home is a process, and you want to be as prepared as possible. Here are a few steps to take that will get you ready to buy a home.

    1. Get your money straight.

    A year to six months before you begin the buying process, find a lender and have them pull your credit. This will give you insight into what you expect and what you may need to mend before you can make the purchase that you want to. Your lender will be able to let you know what you qualify for based on your income at the time so that you can look for homes within your price range when the time comes.

    2. Decide where you are willing to stay a while.

    A home is a commitment. You can always resell, but with the transaction fees that come along with buying a home, you may end up losing equity if you try to sell your home quickly after buying it. If you don’t think the home is somewhere you can see yourself for several years, keep looking.

    3. Don’t hesitate to take your time.

    There is a lot more to the purchasing process than just buying a home. It is important to weigh the pros and cons of a home that you are considering buying. How is the neighborhood? Will the long commute be overwhelming in 6 months? Make sure you’ve considered the aspects of what makes up your day-to-day life and how your new home will help or hurt that process.

    4. Know the difference between your dream home and a fantasy home.

    Being realistic is a key part of making the home buying process easier on you. Your agent will work hard to make your deal the best it can be, but when it comes down to it, you will usually get what you pay for. Major discounts typically mean you will have work to do, and that doesn’t necessarily mean a steal for you. Be realistic during your search and keep in mind that the perfect home might not be out there, but that doesn’t mean that your dream home isn’t.

    5. Find an agent for you.

    Finding an agent that works for you take a major weight off of your shoulders in the home buying process. Ask your friends and family, and look into local agents that come highly recommended. When you find a trusted agent, they will be able to show you houses that you can’t find from a simple internet search and be able to negotiate for you along the way. It is their specialty – don’t waste the time or energy trying to do the job of a realtor on top of everything else you have on your plate!

  • Choosing The Perfect Area Rug

    If you’ve ever seen a perfectly styled room, you probably noticed that the area rug was used to tie the room together. Because they come in all shapes, sizes, colors, and designs, it can be overwhelming to decide what area rug is perfect for the room you are trying to decorate. Here is a short guide to help you find the perfect fit.

    1. Determine your price range.

    In order to shrink your option pool, the best first step is deciding how much you want to spend. Area rugs can get expensive, and they tend to grow in price as they grow in size. Other factors, such as material type and pile (the height of your rug fibers) will impact the price too. If you set a range before you go shopping, you can save yourself the heartbreak over a rug that is way out of your budget.

    2. Decide on a size.

    Ultimately, the size of the rug is up to you. There are recommendations depending on the room type, but it is YOUR home so the final call is yours. For living rooms, it is recommended that you center the rug and make sure it is large enough to cover all furniture space. Low-pile rugs will last longer if you have a heavily trafficked living room. For your dining room, consider a rug that will hide stains from accidental spills and will have about 2 feet of empty rug space outside of your table – that way, dining chairs won’t scratch your floor. For bedrooms, choose a carpet that has 3 or more feet on each side of your bed. Usually high-pile rugs are best for bedrooms to add a cozy vibe.

    3. Choose a style & color.

    You’ve made it to the best part! Now that you’ve slimmed down your choices with price and size, you have options based on your color and style preference. When choosing your color, keep in mind that the rug can either be the dominant color in the room or it can accent colors you already have. Designs are all about personal preference. If you want the rug to have a bright pattern, it can be the center point of your room. Otherwise, you can pick a calming rug that balances out the room if it is otherwise busy. Keep in mind that patterns will hide stains and traffic.

  • Choosing The Best Bathroom Tile

    If it is time for your bathroom to get a renovation, you are likely already thinking of what style you have in mind for the update. One of the major parts of that design is your tile. Here is a quick guide to choosing the best tile!

    1. Pick Out Your Favorite First.

    When looking at tile options, you will likely find one that you immediately fall in love with. If you find yourself picturing the rest of your bathroom based off a tile, choose that tile and use it as your starting point.

    2. Keep It Simple.

    Depending on your bathroom, you might have floor tile, wall/accent tile, and bath tile. Try to use no more than 3 different types of tile, and do your best to keep it to 2. You will have trouble matching tiles the more you choose and tiles that differ too much in a small space can make it feel cluttered. If you ever plan to resell your home, choosing too many tile options or choosing extremely decorative tile can date your bathroom quickly and might end up costing you during the selling process.

    3. Consider Maintenance.

    Have you ever had a bathroom where it felt impossible to clean certain parts? Keep that in mind when choosing your tile. Consider the amount of maintenance it will require. If you prefer little to no maintenance, choose either a porcelain or ceramic option. If upkeep isn’t a big deal to you, natural stone is an option for you as well.

    4. Choose!

    The hardest part is choosing. Instead of doubting yourself, take that tile you first fell in love with and see if you can imagine a bathroom styled around that tile. If you can, go for it!

  • ADD A SPRING TOUCH TO YOUR HOME

    Even if the weather isn’t cooperating quite yet – spring is here! Cheering up your home with some spring decor is the perfect way to prepare for warmer days and more sunshine. Here are some options to prepare your home for the next season!

    ADD AN HERB GARDEN

    While they may not last outdoors with the sporadic weather of spring, bringing potted herbs into your home and letting them soak up sunlight in a kitchen window is the perfect way to add life to your home and have access to fresh herbs while you’re cooking.

    THINK SPRING 

    If you are all about DIY-ing, creating simple decorations can add a pop of seasonal color to your home. Take that pair of rain boots you don’t wear anymore and turn them into planters – add bright floral arrangements and use your new decor item as an inviting piece by your front door.

    POPS OF COLOR

    Neutral and sleek is all the rage right now, but adding a pop of color in your normal decor can add a cheerful touch to your home. Swap out your kitchen napkins or tablecloth with something a little bit more colorful, like soft blues or pinks. Small changes can do enough to make your home feel different without being overwhelming.

    FLORALS ARE ALWAYS THE ANSWER

    Whether or not you already include florals in your home decor, take the time to swap out or add something new that feels like spring. While fresh flowers are a great choice, consider picking up some faux florals for the majority of your decor and saving the fresh flowers for a centerpiece. Don’t be afraid to add pops of color, specifically yellows and pinks, to create a focal point for the room.

    TOUCH UP TIME

    Is there a room in your home that is just feeling drab? Maybe it is dark and uninviting, or maybe it has white walls that have started to fade. While you are spring cleaning, consider adding a fresh coat of paint to a place in your home that needs a boost of light. Spring is all about being fresh and new, so your home should feel that way too!

  • Invest in Yourself by Owning a Home

    Investing in yourself by owning a home can bring numerous benefits and opportunities. Here are some reasons why owning a home can be a wise investment:

    1. Building equity: When you own a home, you are building equity as you pay down your mortgage. Equity is the difference between the value of your home and the amount you owe on your mortgage. Over time, as your home’s value appreciates and you continue to make mortgage payments, your equity increases. This can provide financial stability and serve as a long-term asset.
    2. Potential for appreciation: Historically, real estate has shown a tendency to appreciate in value over time. While there are no guarantees, owning a home can offer the potential for your property to increase in value. This can result in significant returns on your investment if you decide to sell in the future.
    3. Tax advantages: Homeownership often comes with tax benefits. In many countries, homeowners can deduct mortgage interest, property taxes, and certain closing costs from their taxable income. These deductions can help reduce your overall tax liability and potentially save you money.
    4. Stability and control: Owning a home provides stability and a sense of control over your living situation. Unlike renting, where landlords can increase rent or decide not to renew your lease, owning a home gives you the freedom to create a living space that suits your needs. You have the power to make improvements, decorate, and personalize your home to your liking.
    5. Forced savings: Paying a mortgage is a form of forced savings. Each monthly payment goes toward building equity and paying off your loan balance. This can be an effective way to accumulate wealth over time, as opposed to renting where your monthly payments go solely towards your landlord’s income.
    6. Potential rental income: Homeownership can also present opportunities for generating rental income. If you have extra space or decide to move but want to hold onto your property, you can rent it out and earn passive income. This can be a valuable source of additional cash flow and a way to diversify your investment portfolio.

    It’s important to note that homeownership also comes with responsibilities, including maintenance costs and potential market fluctuations. It’s crucial to carefully consider your financial situation, long-term goals, and the real estate market in your area before deciding to invest in a home. Consulting with a real estate professional or financial advisor can help you make an informed decision.