Cheryl Caldwell - William Raveis - The Dolores Person Group



Posted by Cheryl Caldwell on 4/20/2018

Decorating your home as an adult can be a taxing task. Transitioning from a college student to a professional can take some time. Once you buy your first home, you may find that your tastes for decorating need an upgrade. Those old posters and funny magnets have got to go along with your more sophisticated lifestyle. The decor in your home should make you feel comfortable in your surroundings. You should express your own personal interests through the artwork thatís displayed in your home. 

Pieces of artwork shouldnít just be run-of-the-mill. You need something that will let your personality shine through. You can collect unique pieces in your travels, use personal photographs that you have taken, or simply find things that have meaning for you.


It can be sort of intimidating to dive into a more mature way of decorating but, it can be very rewarding. Youíll also learn a lot about your own style and yourself. Through this self-discovery, youíll find artwork that you can continue to grow with in your home. Below, youíll find some tips for choosing the right artwork for your home. 


Set A Budget


Buying artwork can be an investment. If youíre a new homeowner, you may need to hold back on getting expensive art for a few years. Set a limit for how much art you want to buy and what you can afford. There are plenty of ways to get decorating pieces for your home for less money. Many stores offer artwork that can add some character to your walls. Even if these arenít Picasso originals, they can certainly add some flair to the emptiness of a new house. Everything that adds personality to your home isnít hanging on a wall either. Your decor includes the small figures on your tables, statues, plants, and more.  


Have Goals In Mind


If you begin hanging artwork without some reason, your decorating scheme could end up being a disaster. Map out a plan for each room. Think of themes, colors palettes, and the vision for the space. You donít want to make a serious investment in artwork only to find out that it doesnít fit with your wall color or furniture. When choosing artwork, itís important to consider each room as a whole. 


Know That Tastes Change Over Time 


If you do invest in an expensive piece of artwork, know that it may not suit your needs forever. Thatís OK! You can always sell artwork and find replacement pieces over time. Itís not expected that whatever you hang in your home when you move in will stay there for the next 20 years! Artwork very much flows with our lives, so go with the flow.              





Tags: decorating   first home  
Categories: Buying a Home   home decor  


Posted by Cheryl Caldwell on 3/16/2018

Most Americans dream of owning their own home. The size of that pictured house is often spacious. As the housing market gets tighter, the prices of homes go up. The bigger the home you wish to buy, the larger the price tag. Keep in mind that the bigger the house you buy is, the more everything else will cost. That means you have to look deep into your budget and far beyond the list price of a home to understand what you have to work with financially. Some things that a more prominent home might bring are:


Higher utility bills due to more space that you have to heat and cool

Increased property tax

Higher insurance premiums

More expensive repairs

More expensive renovations

Bigger yard to landscape


These are all additional costs that you should consider before you take the plunge to buy a larger home. The longer you live in the house, the more these expenses can add up. Many things like flooring, carpet, concrete, and roofing materials are priced by the square foot. While living large can be a great decision, the additional expenses can really add up.  


If You Have Kids, Reconsider


Raising children is expensive. While you may want your child to have a large room and a lot of amenities right inside their home, there are so many other things that kids need. Consider your childís hobbies. How much of your budget do you devote to those? Do your kids hope to attend college? How much extra money in your budget do you have for vacations and other activities that you may want to do as a family? Buying a bigger house could mean that you have less money in your budget for these things. Understand all the ways that you need to stretch your money before you have your eyes set on a larger home. 


Consider The Rest Of Your Needs


A more massive home means a more substantial monthly mortgage payment. That leaves less for you to save for things like retirement, rainy day funds, and other financial goals. Donít let the fact that you have your eyes set on a big house shadow the rest of your life and your needs. A large part of buying a home is planning ahead. It will be a smart decision all around for you and your family to buy a home thatís affordable.            


Buying a larger home fulfills a dream for many homebuyers, but donít let that idea become a singular goal.       





Categories: Buying a Home   finances  


Posted by Cheryl Caldwell on 2/9/2018

Thereís few things in life that are more exciting than closing on your first house. All of the money that you saved and the paperwork that you have filled out has finally come together so that you can now say youíre a proud homeowner. 


Before you start planning your housewarming party, thereís a few things that you need to do with your new home and its contents.


Copy The Closing Paperwork


Undoubtedly, there were dozens of pieces of paper that were handed to you during the closing on your new home. You should have an extra copy of everything that was signed. While the local registrar of deeds probably has a copy of everything filed there as well, itís always a good idea to have extra copies of these papers.


Lock The Doors With New Keys


Youíll need to change the locks when you move into a new home as soon as possible. Many different people had the keys to the home while it was still on the market. Also, before the home was even put up for sale, family members could have passed sets of keys amongst family and friends. The lock category also includes securing sliding doors, electrical boxes, and windows accordingly. 


Put Your Name On It


Youíll need to place your name on a variety of things including your mailbox, the trashcans, the buzzer, and anything else that is property of you and your new home. If it wonít pose a privacy issue for you, itís better to claim whatís rightfully yours early on to ease confusion. 



Put Up Curtains Or Cover The Windows


Thereís probably 1,000 other things that you would rather do when you move into a new home than put up some curtains. Yet, this is so important to your privacy. Without curtains or window treatments, all of your home and its contents are exposed for the outside world to see. Until you have a chance to settle in, you can even use boxes or towels to cover the windows. This is used initially for a security measure to deter thieves and nosy neighbors.


Meet The New Neighbors


ItĎs a good idea to know who is living around you. For one, youíll be aware of any suspicious activity thatís happening in case you see strange people hanging around the area. Itís good to know who you live next to and what you might have in common with them. At the very least, youíll have a new friend. They might even water your plants while youíre away on your next vacation. 


Donít forget to change your addresses as well. Thatís always one of the biggest hassles about moving. Take the right measures for safety and comfort when you move into your new home for a smooth transition





Posted by Cheryl Caldwell on 1/26/2018

Shopping for a home is a long, arduous process. When you finally find one that you love, think you can afford, and spend the time to formulate an offer, it can be crushing when your offer is rejected.

However, getting rejected is simply part of the process. If youíve ever applied to college, you might be familiar with this process. You send out applications that you poured your heart and soul into. Sometimes to get accepted, other times you donít.

Making an offer on a home comes with one big advantage over those college applications, however--the opportunity to negotiate. As long as the house is still on the market after your offer is rejected, youíre still in the game.

In this article, weíre going to talk you through what to do when your offer is rejected so you can reformulate your plan and make the best decision as to moving forward.

1. Donít sweat it

One of the most common fallacies we fall into as humans is to think the outcome is worse than it really is. First, remember that there are most likely other houses out there that are as good if not better than the one you are bidding on, even if theyíre not for sale at this moment.

Next, consider the rejection as simply part of the negotiation process. Most people are turned off by rejection. However, you can learn a lot when a seller says no. In many cases, you can take what you learned and return to the drawing board to come up with a better offer.

Donít spend too much time scrutinizing the sellerís decision. Ninety-nine percent of the time their decision isnít personal. You simply havenít met the pricing or contractual requirements that they and their agent have decided on.

2. Reconsider your offer

Now itís time to start thinking about a second offer. If the seller didnít respond with a counteroffer it can mean one of two things. First, they might be considering other buyers who have gotten closer to their requirements. Alternatively, your offer may have been too low or have had too many contingencies for them to consider.

Regardless, a flat-out rejection usually means changes need to be made before following up.

3. Making a new offer

This is your chance to take what you learned and apply it to your new offer. Make sure you meet the following prerequisites before sending out your next offer:

  • Double check your financing. Understand your spending limits, both on paper and in terms of what youíre comfortable spending.

  • Check comparable houses. If houses in the neighborhood are selling for more than they were when the house was previously listed, the seller might be compensating for that change.

  • Make sure youíre pre-approved. Your offer will be taken more seriously if you have the bankís approval.

  • Remove unnecessary contingencies. Itís a sellerís market. Having a complicated contract will make sellers less likely to consider your offer.

4. Move on with confidence

Sometimes you just canít make it up to the sellerís price point. Other times the seller just canít come to terms with a reasonable price for their home. Regardless, donít waste too much time negotiating and renegotiating. Take what you learned from this experience and use it toward the next house negotiation--it will be here sooner than you think!





Posted by Cheryl Caldwell on 1/12/2018

Buying a home should be a fun, exciting experience, one that ends with you moving into your dream residence. However, problems sometimes can arise that prevent you from accomplishing your ultimate goal.

No homebuyer should be left in the dark, especially when it comes to navigating a competitive real estate market. Lucky for you, we're here to help you kick off your homebuying journey on the right foot.

Now, let's take a look at three tips to help you launch a successful homebuying journey.

1. Know Your Homebuying Budget

You know that you'd like to buy a house, but how much can you afford to pay for a residence? With a homebuying budget in place, you can determine exactly what you can afford.

Getting pre-approved for a mortgage enables you to enter the real estate market with a budget in hand. Many credit unions and banks are available nationwide, and each lender is happy to provide details about a wide range of mortgage options. That way, you can select a mortgage that matches your finances perfectly.

Also, don't forget to consider the costs of utilities when you budget for a home. And if you need to commute to work or school, you may want to consider your transportation expenses as well.

2. Examine the Housing Market

The housing market usually features a large collection of high-quality houses. Take a look at some of the houses that are currently available, and you can better plan for your homebuying journey.

For example, if there is an abundance of homes available in a city or town where you'd like to live, now may prove to be the ideal time to enter the real estate market. The sheer volume of residences indicates a buyer's market may be in place, so you might be able to boost your chances of acquiring an exceptional house at a budget-friendly price.

On the other hand, if homes are selling quickly in a particular area, it likely means a seller's market is in place. As such, you will need to be aggressive if you want to secure your dream residence at an affordable price.

3. Consult with a Real Estate Agent

The homebuying journey can be daunting, particularly for those who are interested in purchasing a house for the first time. Fortunately, a real estate agent can help you seamlessly navigate the homebuying journey.

A real estate agent possesses comprehensive housing market experience. He or she can share real estate insights with you to ensure you can purchase a great house that meets or exceeds your expectations.

Furthermore, a real estate agent will keep you up to date about new properties, set up home showings and negotiate with home sellers on your behalf. And if you ever have concerns or questions, a real estate agent can respond to them immediately.

Ready to make your homeownership dreams come true? Use the aforementioned tips, and you can enter the real estate market as an informed homebuyer.




Categories: Buying a Home   buying tips  




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