Browser Beware: Browsing Online vs. In Person

Are you up to date on all of your online browsing rules? Houselogic.com wrote a GREAT article about the better sites to use, how to spot incorrect/outdated information, etc. We are ALWAYS telling our buyers to send us addresses first if the home they see online didn’t come directly from us. We’ve seen homes listed on Zillow that sold a year ago before! We also warn our buyers that agents nowadays use photographers and filters for photos so when they walk into that shiny new home, it may not be as shiny and new as it looked online. We love this tidbit below! Be sure to follow the link to the full article and information.

“First things first: You wouldn’t read last month’s Vanity Fair for the latest cafe society gossip, right? So you shouldn’t browse property sites that show old listings.

Get the latest listings from realtor.com®, which pulls its information every 15 minutes from the Be First Through the DoorAsk your agent to send you automated emails from their MLS with new properties that meet your specs.Multiple Listing Service (MLS), regional databases where real estate agents post listings for sale. That means that realtor.com®’s listings are more accurate than some others, like Zillow and Trulia, which may update less often. You wouldn’t want to get your heart a flutter for a house that’s already off the market.” Credit: houselogic.com

https://www.houselogic.com/buy/how-to-buy-step-by-step/house-shopping-sites/

Need help searching for that perfect home?! Call us today at 636-336-1330 and ask for Ashley! Have a Sunshine rest of your Monday everyone!

-The Sunshine Team

Ashley, Evelyn & Dana

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FYI…Rates ARE still and WILL PROBABLY still increase.

Hello Sunshine!

Here are the recent rates for all loans, etc. We’d like to share that though rates were at about 3.5% a little more than a year+ ago, they will KEEP increasing! We have had several buyers lately that are scared of this rate (and that was at 4.875%). Our best intel is that though recent buyers are use to 3-4% interest rates, 5 years ago 8% was normal. Our best advise, 5% is the best you’re going to get in the nearest future. The interest rate was at 3-3.5% for so long that the rate is bound to rise and keep going. Take it while you can! Here are the current rates!

 

Conventional 30 year fixed                            4.999%           0 pts

Conventional 30 year fixed 3% Down           4.875%           0 pts

Conventional 20 year fixed                            4.750%           0 pts

Conventional 15 year fixed                            4.500%           0 pts

Conventional 5 year ARM                            4.625%           0 pts

FHA/USDA/VA 30 year fixed                      4.999%           0 pts

Rates are Bumping UP!

Good afternoon Sunshiners!

Here’s a look at the bump in rates since the beginning of the year. Thanks to our friend, Rick Whisman, for the rates and continuous follow up! Rates are slowly rising, give us a call TODAY to see how we can help you. Don’t forget to mention you heard about us on the blog or Facebook and ask for Ashley :). Have a Sunshine day!

THIS WEEK:

Conventional 30 year fixed                            4.250%           0 pts

Conventional 30 year fixed 3% Down           4.375%           0 pts

Conventional 20 year fixed                            4.125%           0 pts

Conventional 15 year fixed                            3.750%           0 pts

Conventional 7 year ARM                            3.875%           0 pts

FHA/USDA/VA 30 year fixed                      4.375%           0 pts

LAST WEEK:

Conventional 30 year fixed                            4.125%           0 pts

Conventional 30 year fixed 3% Down           4.250%           0 pts

Conventional 20 year fixed                            4.000%           0 pts

Conventional 15 year fixed                            3.750%           0 pts

Conventional 7 year ARM                            3.875%           0 pts

FHA/USDA/VA 30 year fixed                      4.250%           0 pts

 WEEK OF 1/9/18:

Conventional 30 year fixed                            3.875%           0 pts

Conventional 30 year fixed 3% Down           4.000%           0 pts

Conventional 20 year fixed                            3.625%           0 pts

Conventional 15 year fixed                            3.375%           0 pts

Conventional 5 year ARM                            3.375%           0 pts

Conventional 10 Year Arm                           3.625%           0 pts

FHA/USDA/VA 30 year fixed                      3.875%           0 pts

 

Real Estate & Law

Good morning and Happy Monday!

We are HUGE morning people, so we are ready to roll with the posts! We hope you are too ;). As some of you may know, real estate requires a LOT of law and legal jargon that us salespeople and brokers SHOULD be aware of! Trust me, after just passing the brokers courses and finals myself, there’s some stuff in there that I’m sure most people not in our field are unaware of. So to help everyone out a bit, I found this awesome informative Pinterest post on what sellers should consider legal wise. Hope this helps brighten your day and expand your knowledge in the wonderful world of real estate!

Have a Sunshine Day everyone!

-The Sunshine Team

Ashley, Evelyn & Dana

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Keep your home clean & your mind at ease!

Good morning St. Louis!

Did you know that a poorly maintained home can cause up to a $20,000 decrease in value and selling price on said home? It is VERY important to make sure you keep your home fresh and in shape in order to sell your home at top dollar value. Some even say that you should keep a separate maintenance fund for your home ranging from 1%-3% of homes value. Here are a few tips of how to maintain your home that may sound obvious, but many people do not know or think of:

A. Caulk around windows, tubs, doors & sinks to make sure there is no air or water leaking through as necessary.

B. If listing, freshly paint and touch up around your home to help it appear clean and new.

C. Wipe down any baseboards and crown molding as necessary as that is an area that can layer up dust which will make your home appear dirty. Nobody wants that!

D. Replace HVAC filters as needed, usually once a month.

E. Wipe down cabinets, appliances & doors. This is an area common for gathering dirty fingerprints and spots. Simply cleaning these areas at least once a week will help your home stay clean!

F. Update or add kitchen hardware and/or backsplash. These cheaper fixes and add ons can add value to your home by making one of the most important rooms more appealing to the eye.

G. Power wash the exterior of your home. This is the first things buyers see when they pull up to your home. Don’t let them cringe at the first appearance! Power washing once or twice a year will keep your exterior fresh and appealing!

These are just a FEW tips to help you maintain the appearance of your home. They are simple fixes and just need to be done a few times a year. Make time to sell your home for more! Don’t wait until it’s time to list. These simple twice a year projects will save you a HUGE headache one you list rather than procrastinating until that time. We hope this helps brighten your day just a little bit more today :). Have a good one!

-The Sunshine Team : Ashley, Evelyn & Dana

 

 

Work with Brokerage/Agents you can TRUST!

Throughout our many years of real estate and our 3 years having Sunshine Realty open, we have come across MANY issues with clients coming to us with problems they had with other agencies. The number one quality that a home buyer and/or seller should look for in a realtor and their company should be TRUST. Same as any relationship you want to be in, you need to be able to trust the agent representing you during your home search and/or sale. Click the link shown to see an article posted in the Washington Post about how a real estate agent in Los Angeles kept information from their client. Unfortunately, this is more common than none in our business just to close a sale. Here at Sunshine Realty, we do EVERYTHING we can to help OUR CLIENTS, not ourselves. You’re selling? We cut our commission in the back end so that selling your home doesn’t put you in the dumps and it is an easier and more affordable process. Buying? We ABSOLUTELY DO NOT charge a buyer’s fee like a lot of other local real estate companies in St. Louis/St. Charles County areas. We are here to help you!

http://www.washingtonpost.com/realestate/trust-in-your-real-estate-broker-is-the-foundation-of-home-buying-selling/2013/11/27/9f12593e-3dbc-11e3-b7ba-503fb5822c3e_story.html#!

Call us today to find out how at 636-265-2801 and reference this blog post. We know it’s the holidays, so no pressure, but we are always here for more information and to make you more comfortable with whatever home process you need!

We’ll catch you soon!! 😉