Declutter Craze Help!

With all of the Marie Kondo fanatics out there lately, and since we get this question ALL the time, we thought we’d post a helpful guide for decluttering that we recently saw on Pinterest. We hope this helps you in your spring cleaning phase, and remember, if you are in St. Louis, Jefferson, St. Charles, Warren or Lincoln County, MO, we can help you list and sell your home and save you THOUSANDS in the process with commissions! Reach out today to find out how we can help make this process a fun and smooth one!

Have a Sunshine rest of your Hump Day everyone!

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-The Sunshine Team

Ashley, Evelyn & Dana

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Fees You May NOT Have Prepared For…

Happy February Sunshine!

Today, and lately actually, we have been working with a lot of sellers and buyers that don’t know about certain fees/costs that are involved in the home buying process. Particularly, closing fees, title fees, inspections both government and home, etc. We found a FANTASTIC article written by houselogic.com discussing a lot of these “unknowns” that many people, especially first time home buyers, may not know about.

Check it out here: Unknown fees for a Buyer

To recap a lot of it here, a buyer has many fees when it comes to buying a home ON TOP of the actual purchase price. These costs can include an appraisal ordered by the lender, lender fees, title company and search fees that help provide clear title, possible survey fee if you want to know where your property ends and begins, home inspection fees including radon, sewer, pest & overall home, etc. ALL THINGS TO THINK ABOUT before you take the plunge into the home buying process :). We hope this helps brighten your day just a bit and gives you just a little more insight into the home purchase process and what to plan ahead for!

Have a Sunshine Day everyone! And remember, if you need help in selling, buying or both, we are here for you! Give us a call today at 636-336-1330 and ask for Ashley to get your simplified process started :). Everyone needs a little help every once in a while ūüėČ

-The Sunshine Team

Ashley, Evelyn & Dana

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 Houselogic.com wrote a GREAT article about the better sites to use, how to spot incorrect/outdated information, etc.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‚Äôt read last month‚Äôs Vanity Fair for the latest cafe society gossip, right? So you shouldn‚Äôt browse property sites that show old listings.

Get the latest listings from¬†realtor.com¬ģ, 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¬ģ‚Äôs listings are more accurate than some others, like Zillow and Trulia, which may update less often. You wouldn‚Äôt want to get your heart a flutter for a house that‚Äôs 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

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

Know your rates!

HERE ARE YOUR CURRENT RATES in St. Louis! Thanks to our friends at CapGrow Home Mortgage for the update!

Conventional 30 year fixed                            4.625%           0 pts

Conventional 30 year fixed 3% Down           4.625%           0 pts

Conventional 20 year fixed                            4.500%           0 pts

Conventional 15 year fixed                            4.250%           0 pts

Conventional 5 year ARM                            4.375%           0 pts

FHA/USDA/VA 30 year fixed                      4.625%           0 pts

Have a Sunshine Day everyone!

-Sunshine Realty STL

Inspections=Negotiation Process #2!

Good morning Sunshine and Happy Monday!

It’s a Friday for us, so we just wanted to wrap up something we’ve come across lately with our sellers/buyers. INSPECTIONS! Anytime I put a buyer under contract on their new dream home, I always, ALWAYS warn them not to get TOO excited until inspection is performed and the inspection notice is signed, sealed & delivered!

So many people don’t understand how crucial the inspection process is. Luckily, one of our favorite inspectors, Zac Lavoi (owner of Greystone Inspection Services), is phenomenal at performing the process & drafting a comprehensible report easy for buyers and sellers to read! Many things can fall apart at inspections that can kill a deal. For example, hidden moisture in walls, foundation issues, roof issues where insurance was claimed but the roof was never replaced, AND SO MUCH MORE!

We recommend doing your research on any inspection company before you hire them. They will be the people that help find ANY and ALL issues with the home you are about to move into. Lord knows you don’t want any surprises AFTER the fact! So this fun meme is for that time Realtors have waiting for that report to come in! LOL! Have a Sunshine week everyone! We hope this helps make it a little brighter!

The Sunshine Team

Ashley, Evelyn & Dana

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St. Louis among the 6 best cities for college grads in 2018!

Have a bachelor degree and trying to figure out your next step? St. Louis has been ranked among the top 6 best cities for being a bachelor degree friendly city for finding a job!

“Cities around the country are competing to attract the best talent, so ZipRecruiter analyzed data and created an index to determine the best job markets for recent college graduates.”

St. Louis is up there ranking along with popular cities like Nashville, Pitsburgh & San Antonio! Go us! Read more here…
https://www.bizjournals.com/stlouis/news/2018/05/01/st-louis-among-top-cities-for-new-college-grads.html

Have a Sunshine Day!
Ashley, Evelyn & Dana