Lynne Hagopian - Coldwell Banker Residential Brokerage



Posted by Lynne Hagopian on 8/19/2019

New place, new town, new everything. Now, where to find the grocery store and the parks. Additionally, think about all those places you will have to visit at least once to complete your move like the DMV and school district administration offices. Your map app on your phone can get you places but are they the places with precisely what you want and the quality you expect? That is where you need the insider's perspective to get the scoop on your new neighborhood. 

Not Your Mom’s Phone Book

Researching online can give you current reviews from actual customers and some insight into the services you are wanting. Chamber of Commerce website or the Better Business Bureau are also resources to use. What can help you is talking to people like your neighbors. If you are a pet owner, you can strike up a conversation with someone you see waking their dog about who they recommend for grooming services, pet supplies or even veterinarian services. 

Social Networking 

Maybe your online social network has connections in your new area, and they can direct you. Leverage any social clubs or civic groups you are part of, like college alumni or professional associations. You will be surprised how helpful having a network of people to ask can be. Everyone seems to have their favorite coffee place or corner bakery so don't be shy about asking for recommendations. 

People All Around You

New coworkers and your children's schoolmates and their families are excellent resources for discovering things about your new locale. Since you will be spending a goodly amount of time together, it should be relativity easy to ask about services like auto repair and maintenance or lawn care. You can get the scoop on the best pizza in town and where to go to get a deal on furniture. People you interact with during your day are easily accessible and an excellent source for insider information. While grabbing a bite to eat, ask your server about local entertainment or personal services. It helps to keep a list of any recommendations you receive, so you don't forget. You surely do not want to miss any sweet local places that may become your new favorite place to frequent. Moving is stressful enough, no need to blindly stumbling through services and products in your new neighborhood. Go ahead and make that personal connection, that will not only get you what you need but will help you quickly become part of the new community. 

Ask your realtor for their recommendations for living in your new neighborhood.




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Posted by Lynne Hagopian on 8/12/2019

Want to buy a house? If you plan ahead for the homebuying journey, you may be better equipped than ever before to reap the benefits of a seamless homebuying experience.

Now, let's take a look at three tips to help you prepare for the homebuying journey.

1. Figure Out Where You Want to Live

Do you prefer the hustle and bustle of the big city? Or, would you like to reside in a small town? Think about where you want to live, and you may be able to speed up the homebuying journey.

A homebuyer who narrows his or her search to houses in a set number of cities and towns may be able to quickly discover the ideal residence. Thus, if you know where you want to go, you can act fast to pursue your dream house. And once you find your dream home, it may be only a few weeks before you can finalize a home sale.

2. Obtain a Mortgage

A mortgage generally is a must-have for a homebuyer, regardless of where he or she decides to live. If you submit a mortgage application before you embark on the homebuying journey, you can enter the real estate market with a budget in hand.

Oftentimes, it won't take long to get pre-approved for a mortgage. You can meet with a variety of banks and credit unions, and these financial institutions can teach you about a wide array of mortgage options. Next, you can select a mortgage that satisfies your personal requirements.

When you meet with banks and credit unions, don't hesitate to ask plenty of questions, either. If you receive expert mortgage insights, you can make an informed mortgage decision that likely will serve you well for years to come.

3. Consult with a Real Estate Agent

Let's face it – pursuing a home should be a quick, easy process, but problems may arise that prevent you from buying your ideal residence. Thankfully, real estate agents are available in cities and towns nationwide, and these housing market professionals can help you make your homeownership dreams come true.

A real estate agent is a housing market expert who can teach you how to discover a terrific house at a budget-friendly price. This housing market professional can explain the differences between a buyer's and seller's market and help you map out a successful homebuying journey. That way, you may be able to improve your chances of acquiring a superb residence if you hire a reliable real estate agent.

In addition, a real estate agent will serve as your guide along the homebuying journey. He or she will keep you up to date about new residences that become available, set up home showings and help you submit homebuying proposals. And if you ever have homebuying concerns or questions, a real estate agent is available to respond to them.

Achieve the best-possible results during the homebuying journey – use the aforementioned tips, and you can plan ahead to acquire your ideal residence.




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Posted by Lynne Hagopian on 8/5/2019

For those who want to simplify the homebuying process, crafting a budget is ideal. Because if you tailor your house search to your finances, you can eliminate the risk of spending beyond your means to acquire your dream residence.

Now, let's take a look at three tips to help you budget for the homebuying journey.

1. Analyze Your Financial Situation

Request a copy of your credit report – you'll be glad you did. You are eligible to receive a free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). Once you have your credit report, you can assess your credit score and take steps to improve it as needed.

Getting your credit report can help you identify outstanding debt and other financial issues that may make it tough to acquire a house. If you can correct these issues today, you can eliminate the risk that they could impact your ability to buy your dream residence in the near future.

2. Consider Your Homebuying Expenses

The price of a home is one of many financial considerations that a buyer will need to evaluate during the property buying journey. Fortunately, if you map out your homebuying expenses, you can ensure that you'll have the finances available to cover these costs as you pursue your dream home.

For example, a property inspection may be used to assess a house's condition before you finalize a home purchase. This inspection will require you to hire a professional home inspector, so you will need to make sure you have the money available to cover the cost of this homebuying expense.

You should consider home closing costs as well. And if you start saving for home closing fees and other homebuying expenses, you won't have to worry about scrambling to get the money to cover these costs as you navigate the property buying journey.

3. Get Pre-Approved for a Mortgage

Pre-approval for a mortgage is a must, regardless of your homebuying goals. If you meet with a variety of banks and credit unions, you can analyze your home financing options and select a mortgage that suits you perfectly.

Banks and credit unions are happy to teach you about different types of mortgages and how each type of mortgage works. Plus, if you have any mortgage questions, banks and credit unions are ready to respond to your queries right away.

As you prepare to pursue your dream house, you also may want to hire a real estate agent. In addition to helping you streamline your search for your ideal residence, a real estate agent can put you in touch with the top mortgage professionals in your area, help you plan ahead for various homebuying expenses and much more.

If you want to conduct a successful home search, it may be a good idea to prepare a homebuying budget. Thanks to the aforementioned tips, you can craft a homebuying budget so you can accelerate the process of acquiring your dream house.




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Posted by Lynne Hagopian on 7/29/2019

Believe it or not, all real estate agents are not created equal. But a home seller who goes the extra mile during his or her search for the right real estate agent should have no trouble hiring a diligent housing market professional to provide support along the home selling journey.

Ultimately, there are many reasons to employ a diligent real estate agent to assist you when you sell your house, including:

1. A diligent real estate agent will promote your house to the right groups of homebuyers.

Each home is unique, and as a home seller, it is important to showcase your house in a way that highlights its distinct attributes to the right groups of homebuyers. Because if you fail to do so, you may miss out on opportunities to stir up interest in your residence.

Fortunately, a diligent real estate agent will allocate the necessary time and resources to learn about your house's strengths and weaknesses. With this information, a diligent real estate agent will be able to promote your residence to interested homebuyers consistently.

A diligent real estate agent also will provide home interior and exterior improvement recommendations. That way, you can use these recommendations to transform your ordinary house into a stellar residence before you add it to the housing market.

2. A diligent real estate agent understands the ins and outs of the housing market.

The real estate market is a difficult place for a home seller to navigate on his or her own. Luckily, diligent real estate agents possess the skills and know-how needed to thrive in any housing market, at any time.

A diligent real estate agent can differentiate between a buyer's market and a seller's market and help you map out your home selling journey. By doing so, a diligent real estate agent will work with you to boost your chances of a quick home sale.

Furthermore, a diligent real estate agent wants to share his or her expertise with home sellers. This means if you ever have concerns or questions about selling your house, a diligent real estate agent is happy to listen and respond accordingly.

3. A diligent real estate agent won't settle for inferior results.

Typically, a real estate agent wants to help a home seller get the best price for his or her house. On the other hand, a diligent real estate agent will go above and beyond the call of duty to ensure that a home seller can optimize the value of his or her residence – without exception.

A diligent real estate agent will work with a home seller at each stage of the property selling cycle. And if this housing market professional ever has concerns, he or she is ready to provide honest, unbiased feedback to a home seller as well.

When it comes to selling your home, working with a diligent real estate agent is ideal. This housing market professional will do everything possible to help you generate interest in your house as soon as it reaches the real estate market.




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Posted by Lynne Hagopian on 7/22/2019

Having equity in your home is an incredibly valuable thing. It allows you to borrow against your house and shows that the value of your investment is rising. Equity defined is the difference between your home’s value and the amount you still owe on the home. Equity allows you to move forward with other properties and sell your current one. 


As you pay down your mortgage, your equity increases. There is, however, always a risk of an equity slide where values drop a bit. There are a few ways that you can help your home’s equity value to increase faster.


Pay Towards The Principal


The first few years that you’re a homeowner, you’ll be paying a lot towards the interest and only a little towards the principal value of the loan. The quicker you pay down your home loan, the faster you’ll increase the equity of your home. Check your budget and see how much extra you may be able to pay. Then, talk with your lender to see if there are any pre-payment penalties. 


Complete Home Improvement Projects


You may not know that many home improvement projects can increase the value of your home substantially. There are many projects that you can complete in your home that won’t break the bank yet will give you a significant return. You can start simple, or think big. Some of the best home improvement projects that will add value to your home include:


  • Complete kitchen remodel
  • Replacing countertops
  • Refinishing cabinets
  • Installing new appliances
  • Replacing garage doors
  • Bathroom remodel
  • Putting on addition
  • Landscaping renovations


Any of these home improvement projects can add value to your home, bringing the equity value of the home up. Even if you’re not planning on taking out any equity in your home for some time, any improvement projects that you choose to do are beneficial for both you and how your home affects your finances.  


Increase The Amount Of Your Downpayment


You can increase the value of a home before you even buy it. If you put the traditional 20% down on a house, you’ll build equity a bit faster than if you put down a lower amount such as 3% or 5%. If you have already purchased your home, you can ask your lender to do what’s called a cash-in refinance. This type of refinance is where you bring cash to the refinancing closing table in order to lower the balance of your mortgage.   





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