Tom Ruble - EXIT New Options Real Estate



Posted by Tom Ruble on 12/7/2018

As a homebuyer, it may be beneficial to establish goals. Because once you know what you want to accomplish during the homebuying journey, you can take the necessary steps to achieve your homebuying aspirations.

Now, let's take a look at three factors to consider as you develop homebuying goals.

1. Your Dream Home

Define your dream house you will be glad you did. If you know what you want to find in your ideal residence, you can map out your homebuying journey accordingly.

Generally, it helps to make a list of house must-haves before you launch a home search. This list should include any features you require from a residence, along with your preferred cities and towns.

If you need a home that provides convenient access to your office in the city, for example, owning a house in or near the city itself is a must. Or, if you require a home that offers ample space for you and your kids, you can search for residences that provide multiple bedrooms and play areas.

2. Your Homebuying Budget

When it comes to buying a house, it is beneficial to get your finances in order. That way, you can hone your home search to residences that fall within your price range.

Meeting with banks and credit unions allows you to learn about a broad assortment of mortgage options. These financial institutions can teach you about different types of home financing. Then, you can select a mortgage and enter the real estate market with a budget in hand.

3. Your Homebuying Timeline

Consider how long it will take you to find and purchase a home that matches your expectations. If you establish a homebuying timeline, you may be better equipped than ever before to optimize your time and resources as you search for your dream residence.

Of course, it helps to maintain a flexible homebuying timeline. And if you encounter challenges during the homebuying journey, you can adjust your timeline as needed.

For those who plan to pursue a home, it may be helpful to hire a real estate agent, too. If you employ a real estate agent, you can get the support you need to navigate the homebuying journey like a pro.

A real estate agent is happy to help you explore a variety of homes in your preferred cities and towns. If you find a house you want to buy, a real estate agent will help you craft a competitive offer to purchase this residence. Plus, if your offer to purchase is accepted, a real estate agent will guide you along the final stages of the homebuying journey.

As you prepare to conduct a home search, you may want to develop goals. If you begin a home search with a plan, you could streamline the process of finding and purchasing your ideal residence. Best of all, you may be able to acquire a first-rate house that will serve you well for an extended period of time.




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Posted by Tom Ruble on 10/26/2018

Ready to kick off your search for the perfect house? You may need to find an expert real estate agent first. By doing so, you can streamline the homebuying process and discover a house that meets or exceeds your expectations.

However, selecting a real estate agent can be tricky, especially for first-time homebuyers. And if you make the incorrect choice, the risk increases that you may encounter problems as you conduct your search for the ideal residence.

We're here to take the guesswork out of finding the right real estate agent to guide you along the homebuying journey.

Now, let's take a look at four questions that every homebuyer needs to ask a real estate agent.

1. What is your real estate experience?

Learn about a real estate agent's housing market experience you'll be glad you did. With this information at your disposal, you can find out how a real estate professional has helped past homebuyers achieve their goals.

Also, ask a real estate agent about how he or she deals with homebuying challenges. This will enable you to find out whether a real estate agent can help homebuyers through tough times, or if a real estate professional struggles when he or she is faced with homebuying hurdles.

2. How do you communicate with clients?

As a homebuyer, it is essential to find a real estate agent who is readily available. This real estate professional will keep in touch with you at each stage of the homebuying journey and ensure you can make informed decisions along the way.

A real estate agent who prioritizes communication will keep you informed about open houses and new residences as they reach the housing market. As such, this real estate agent may help you accelerate the process of going from homebuyer to homeowner.

3. Can you provide client references?

Typically, an experienced real estate agent will be able to provide client references at any time. If you get in touch with these references, you can gain firsthand insights into what it might be like if you select a particular real estate agent.

If a real estate agent cannot provide client references, this is a surefire red flag. In this scenario, you may want to consider other real estate agents who have proven they know how to deal with potential roadblocks on the homebuying journey.

4. Why should I hire you?

When it comes to finding the right real estate agent, it is important to understand how a real estate professional stands out from the crowd. By asking a real estate agent why you should hire him or her, you're sure to receive a unique response that gives you a better idea about what this real estate professional is all about.

Spend some time reviewing multiple real estate agents in your city and town. And if you use the aforementioned questions, you can boost your chances of hiring a real estate agent who can help you discover your dream residence quickly and effortlessly.




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Posted by Tom Ruble on 10/19/2018

If you discover a house that you want to buy, it generally is a good idea to submit a competitive offer. That way, you can move one step closer to acquiring your ideal residence.

However, the hours after you submit a home offer can be stressful, particularly for a buyer who fails to plan accordingly. Lucky for you, we're here to help you stay calm, cool and collected as you wait to receive a seller's response to your offer.

Let's take a look at three tips to help you get ready to handle a seller's response to your homebuying proposal.

1. Plan for the Worst-Case Scenario

Even the worst-case scenario is not the end of the world for a buyer who is awaiting a seller's response to a home offer. In fact, if a seller rejects your proposal, you can always reenter the housing market and continue your pursuit of your dream home.

As you await a seller's response to your home offer, you should not stop searching for available houses. Because if you continue your home search, you'll have no trouble moving forward in the homebuying journey if a seller rejects your home offer.

2. Consider All of Your Options

If you submit a home offer and a seller says "Yes," what should you do next? Consider how you'll proceed if a seller accepts your proposal, and you'll be better equipped than ever before to enjoy a seamless homebuying experience.

On the other hand, it helps to prepare for a potential counter-offer from a home seller as well. If you are open to negotiating with a seller, you may be able to find common ground with him or her and finalize a home purchase.

3. Consult with a Real Estate Agent

A real estate agent knows all about the stress that is commonly associated with submitting a homebuying proposal. He or she can help you minimize this stress and ensure you can achieve the best-possible results throughout the homebuying journey.

Typically, a real estate agent will work with you to submit a homebuying proposal. This housing market professional then will keep you up to date as you await a seller's response to your offer. And if you have any concerns or questions during this time, a real estate agent is happy to respond to them.

A real estate agent will make it simple to streamline the homebuying journey too. For instance, if a home seller accepts your offer, a real estate agent will be ready to help you move forward with a property inspection and appraisal. Conversely, if a home seller rejects your proposal, a real estate agent will be prepared to work with you to help you discover another house that matches or exceeds your expectations.

The waiting period after you submit an offer on a house may prove to be a challenging time. Fortunately, if you plan ahead for this period, you can maintain your confidence and continue to move forward in the homebuying journey.




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Posted by Tom Ruble on 9/14/2018

Being in the market for a new home can be both an exciting experience and a scary one! It not only represents a huge financial commitment, but it also forces you to step out of your "comfort zone."

That's especially true if you're a first-time home buyer. When you make the switch from being a renter to a home owner, you no longer have the "luxury" of depending on your landlord for repairs, yard maintenance, or help with plumbing emergencies. Now, when the AC quits or the furnace conks out, the responsibility (and cost) of getting it fixed rests squarely on your shoulders!

Fortunately, there are steps you can take to minimize the possibility of incurring major expenses during the first couple years of owning a home. While there are (usually) no guarantees that household mechanical systems won't fail or that other crises won't befall you as a new homeowner, there are choices you can make that will reduce the chances of being saddled with unexpected expenses.

Buying a home with a newer roof, energy-efficient appliances, updated HVAC system, and a dry basement are four ways you can sidestep many predictable problems down the road. Wear and tear will eventually take its toll on everything from hot water heaters to microwave ovens, but if you can postpone having to replace appliances, roofs, and climate-control systems for several years or more, it will be a lot easier on you and your budget!

So all things being equal, home ownership will be more pleasurable and affordable if you choose a home with recent upgrades, replacements, and improvements -- preferably, those done within the past five or ten years. Besides comparing the maintenance history of houses you're considering, there's also the essential step of hiring an experienced structural inspector. When you've narrowed down your house-buying possibilities to one preferred home, a property inspector can help you identify "red flags" and potential problems before you close on that house.

As your real estate agent will probably tell you, if any major problems are identified in the home inspection process, you may be in a position to renegotiate the agreement or withdraw your offer, entirely. Since legalities are often complex and every real estate transaction is different, however, it's always essential to consult with an experienced real estate attorney whenever questions, problems, or complications arise in a real estate purchase or sale.

While it's a good idea to "expect the unexpected" when purchasing and moving into a new home, it pays to work with a team of trusted advisors. Working with a seasoned real estate agent, a knowledgeable real estate attorney, and a reputable property inspector will help make sure that your experience is both satisfying and relatively problem free! Knowing what you want and being adamant about what matters most to you should also serve you well in the house buying process.





Posted by Tom Ruble on 9/7/2018

If you plan to attend an open house, it usually pays to be prepared. That way, you'll know exactly which questions to ask during an open house and can ensure that you can gain the insights that you need to determine whether a residence is right for you.

Now, let's take a look at three key questions to ask a listing agent during an open house.

1. Why is this home for sale?

Although a home listing provides plenty of information about a residence, it is unlikely to explain why a homeowner is selling his or her house. Thus, you should use an open house to find out exactly why a home is for sale.

In many instances, a listing agent will be honest and forthright about why a homeowner has decided to add his or her residence to the real estate market. Once you receive an answer to your query, you can better understand whether a house matches your expectations.

On the other hand, if a listing agent hesitates or shies away from your question, you should be skeptical. At this point, you should continue to dig for more information about a residence to learn about any potential flaws.

2. Are there any home problems that I need to know about?

An open house enables you to get an up-close look at a residence. Furthermore, the event allows you to find out about a residence's pros and cons from a listing agent.

Ask a listing agent about any home problems you'll be glad you did. The listing agent should be able to provide you with plenty of insights into a home's condition, ensuring you can make an informed decision about whether to submit an offer.

A listing agent is likely to be honest with you about any problems with a house. By doing so, this agent will reduce the risk of a homebuyer later rescinding an offer after a home inspection.

3. Have there been any offers on the house?

It is important to find out if there is any competition for a house, especially if you discover your dream residence. Thus, during an open house, you should ask a listing agent if any offers have been submitted on a residence.

If a listing agent responds "Yes" to your query, you may want to act fast to submit a competitive offer on a house. Because if you wait too long to make an offer on your dream residence, you risk losing this house to a rival homebuyer.

Lastly, if you need help getting ready for an open house, you should collaborate with a real estate agent. This housing market professional can provide deep insights into a residence before you attend an open house. Therefore, a real estate agent will help you take the guesswork out of getting the most out of any open house, at any time.

Want to optimize the value of an open house? Ask the aforementioned questions, and you can get the information that you need to fully evaluate a residence.




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