moving – Page 12 – Find a Broker™

Are Schools Important to You? Here’s What to Consider When Choosing Where to Live

When searching for your next home, schools are a significant factor for many families, whether or not they currently have school-age children. Strong school districts often contribute to higher property values and vibrant communities. Here are three things to consider when evaluating schools in an area:

1. School Performance and Ratings

Look up local schools’ performance metrics through resources like state education websites or platforms such as GreatSchools.org. Consider test scores, graduation rates, and student-to-teacher ratios. These indicators can give you a snapshot of how well schools are meeting educational benchmarks. Have you heard any recent positive news about schools in your prospective neighborhood? Awards, academic achievements, or new programs could indicate a thriving district.

2. Community Engagement and Extracurriculars

A school isn’t just about academics. Check if schools offer arts, sports, and STEM programs, and how actively parents and the community are involved. Schools with robust extracurricular activities often foster a strong sense of community and well-rounded student experiences.

3. Future-Proofing Your Investment

Even if you don’t have children, buying in an area with good schools can positively impact your home’s resale value. Buyers with families will prioritize properties in reputable school districts, making your investment more attractive down the line.

Ultimately, the quality of area schools plays a vital role in shaping your experience in a new neighborhood. Take the time to visit schools, talk to locals, and do your research

If you’re considering a move or investment and require a trusted Real Estate Broker, we’re here to assist you. Contact us via email at TEAM@McDanielCallahan.com, complete the form below, or give us a call at 925-838-4300. We are ready to provide expert guidance and support for all your real estate needs. Terry McDaniel DRE License #00941526

Go back

Your message has been sent

Is Selling Your Home Yourself Really Saving You Money?

Thinking about selling your home yourself to save some cash? It’s a tempting idea, but let’s take a closer look at the numbers. According to the National Association of Realtors (NAR), homes sold with the help of a real estate agent typically sell for $60,000 more on average than homes sold as For Sale By Owner (FSBO). That’s not just pocket change—it’s a game-changer.

So, what makes the difference? First and foremost, exposure. Real estate agents have access to the Multiple Listing Service (MLS), a tool that gets your home in front of thousands of qualified buyers. Sure, you could post some flyers or list on a few websites, but the reach just isn’t the same.

Next, consider their expertise. Selling a home involves more than snapping a few photos and setting a price. Agents handle complex negotiations, pricing strategies, and legal paperwork. They’ve likely sold dozens (if not hundreds) of homes, which means they know how to maximize your profit while minimizing headaches.

Going FSBO might seem like a cost-saving move, but when you factor in potential underpricing, limited exposure, and the time it takes to manage the sale, hiring a professional often pays off. Before you decide, weigh the true costs and benefits.

Ready to explore your options? Contact a trusted real estate agent to discuss how they can help you achieve top dollar for your home.

Go back

Your message has been sent

Where to Keep Your Down Payment Savings: A Guide for Future Homebuyers

Saving for a down payment is one of the biggest steps toward buying your dream home. But where should you stash your cash while you’re building up that nest egg? The right place depends on balancing safety, accessibility, and some growth. Here are a few smart options:

1. High-Yield Savings Account

High-yield savings accounts are a great choice for storing your down payment. These accounts often offer competitive interest rates compared to standard savings accounts, helping your money grow a little while remaining risk-free. Plus, your funds are typically insured by the FDIC or NCUA (for credit unions), so there’s no risk of losing your principal.

Benefits:

Easy access to your money.
No risk of losing your savings.
Minimal fees (if you choose the right bank).

Tip: Look for online banks, as they often offer higher rates and lower fees than traditional banks.

2. Money Market Account (MMA)

Money market accounts combine features of savings and checking accounts. They often offer slightly higher interest rates than regular savings accounts, with the added benefit of limited check-writing or debit card access.

Ideal for:

Buyers who want liquidity and flexibility.
Those comfortable with minimum balance requirements (common with MMAs).

Bonus: Some MMAs may provide better interest rates than high-yield savings accounts, depending on the market.

3. Certificates of Deposit (CDs)

If your home purchase is 6–12 months or more away, a short-term CD could be a solid option. CDs typically offer higher interest rates than savings accounts or MMAs, but your money is locked in for the term of the CD.

Consider this if:

You’re disciplined and don’t need immediate access to your funds.
You want a slightly higher return.

Watch out for: Early withdrawal penalties if you need the money sooner than expected.

Key Takeaways

When choosing where to save for your down payment, prioritize safety, liquidity, and accessibility. A high-yield savings account or money market account is often the best option for most buyers, keeping your funds secure and ready when you need them.

Saving for a down payment takes discipline, but every dollar you set aside today gets you closer to the keys to your new home tomorrow!

Have questions about saving for your down payment or want to explore your home-buying options? Contact us today—

Go back

Your message has been sent

Thinking of Moving? Repairs and Upgrades You Shouldn’t Ignore

If you’re contemplating a move but haven’t fully decided, you might find yourself wondering whether tackling those long-postponed repairs and upgrades is worth it. The truth is, certain home improvements aren’t just optional—they’re essential, whether you stay or go. Even if you plan to sell soon, these fixes are critical since they’ll likely surface during a home inspection. Addressing them now ensures your home retains its value and saves you and future buyers from hefty maintenance costs down the line.

Essential Repairs to Tackle Now

Think of these repairs as maintaining your home’s value rather than adding to it. These improvements reduce long-term maintenance expenses, which can be a significant selling point in today’s market. Here are a few key areas to focus on:

Insulating Hot Water Pipes
Insulated pipes prevent heat loss, leading to energy savings. They’re especially appealing to buyers concerned about rising energy costs.
Fixing Leaky Windows and Doors
Drafty windows and doors not only waste energy but can also be red flags for buyers. Sealing these gaps improves comfort and reduces utility bills.
Switching to LED Lightbulbs
LEDs are energy-efficient and long-lasting, making them a simple but effective way to modernize your home’s lighting.
Staining and Sealing Wood Decks
Properly maintained decks are less likely to rot or deteriorate, preserving your outdoor space’s value.
Climate-Appropriate Landscaping
Consider transitioning to landscaping that matches your region’s climate, such as xeriscaping in arid areas. This reduces water use and lowers upkeep costs—a win for you and future buyers.

Talk to Your Realtor

Your local real estate agent is an invaluable resource. They can help you prioritize repairs based on what buyers in your area value most. Some fixes might be non-negotiable, while others can enhance your home’s appeal without breaking the bank.

The key takeaway? These upgrades aren’t about splurging—they’re about smart maintenance and staying ahead of the game. Whether you decide to stay or sell, tackling these projects will ensure your home remains a valuable asset.

Thinking about making a move? Start with a conversation with your realtor—they’ll guide you toward the smartest decisions for your home and your future.

Go back

Your message has been sent

Understanding the Costs of Selling Your Home: What to Expect

Selling your home can be a thrilling, yet daunting process. While the prospect of a successful sale is exciting, it’s essential to keep in mind that there are several costs associated with selling that could take a bite out of your final profit. Here’s a breakdown of the most common home-selling expenses you should expect.

1. Agent Commissions

One of the most significant costs when selling a home is the commission paid to your real estate agent. Typically, this is around 3% of the home’s sale price, though it can vary. Keep in mind, the commission is usually split between the buyer’s agent and your agent. While paying this fee may feel like a lot, a skilled agent can often secure a higher sale price for your home, more than justifying the commission.

2. Closing Costs

Closing costs for sellers typically range from 1-3% of the sale price of your home. These can include:

Title transfer fees: To officially transfer ownership of the property.
Attorney fees: If you hire an attorney to oversee the closing.
Taxes: Various local and state taxes may apply, including capital gains tax in some cases.

It’s important to factor these costs into your budget so you’re not blindsided at the last minute.

3. Home Staging Costs

First impressions matter! Home staging is often a key component of selling a home quickly and for the best price. On average, home staging can cost between $400 and $2,000, though costs can be higher depending on your location and the extent of the staging. Staging may include hiring a professional, painting rooms, and enhancing your home’s curb appeal through landscaping. The goal is to make your home look inviting, well-maintained, and appealing to buyers.

4. Home Inspection Costs

A pre-listing home inspection is a great way to ensure that you’re aware of any issues that may arise before potential buyers find them. While not required, many sellers choose to get an inspection done so they can address any problems upfront. If issues are discovered, you’ll need to budget for repairs, which could range from a small fix to more significant improvements.

5. Seller Concessions

In some cases, offering seller concessions can help seal the deal, especially in a competitive market. This might mean offering to pay part of the buyer’s closing costs or throwing in appliances, like a washer and dryer. This can be a good strategy to attract buyers who may be on the fence, but be sure to weigh the costs against your potential gain.

6. Moving Expenses

Finally, let’s not forget about the cost of moving! Whether you’re hiring a professional moving company or asking your friends for help, moving can be expensive. On average, hiring a moving company costs about $1,700. Be prepared for packing materials, transportation, and possibly even temporary storage. This is often an underestimated cost, so factor it in when budgeting for your move.

Selling a home involves more than just finding a buyer. From agent commissions and closing costs to home staging and moving expenses, the costs can quickly add up. While these expenses might seem overwhelming at first, understanding and budgeting for them in advance can help ensure the process goes smoothly and you’re not left scrambling for extra funds at the last minute. Remember, while you won’t pocket the full sale price after these costs, a successful sale will still move you closer to your next home or financial goal!

Go back

Your message has been sent

What Does It Mean to Sell a House As Is?

Selling a house “as is” means you’re putting your property on the market in its current condition. No repairs, no upgrades, no covering repair costs for the buyer. It’s the real estate version of saying, “What you see is what you get.” Homes sold this way are typically priced and marketed to sell quickly, making it an appealing option for sellers who want to avoid the hassle of renovations. Buyers, in turn, often benefit from a lower price and a faster transaction.

Should You Sell Your House As Is?

There’s no universal answer—it depends on your specific situation. To help you decide, here are some common reasons homeowners choose this route:

1. Money Concerns

If your property needs repairs you can’t afford or you don’t believe upgrades will significantly increase its value, selling as is might be the best option. Why pour cash into a project that won’t pay off?

2. Time Constraints

Whether you’re relocating quickly or aiming to take advantage of a hot real estate market, you may not have time for renovations. Selling as is lets you skip the waiting game and move forward on your schedule.

3. Convenience

Renovations can be stressful—even if you’re hiring professionals. Selling as is eliminates the effort, time, and headaches that come with overseeing repairs or dealing with picky buyers.

Pros of Selling As Is:

Saves Time: Skip the contractor delays and extensive negotiations over repairs. With the right pricing, you might even attract cash buyers, streamlining the process further.
Saves Money: Avoid costly renovations that can run up to $150 per square foot—leaving your wallet intact.
Less Stress: Forget repair negotiations and nitpicky buyers. Selling as is simplifies the entire experience.

Cons of Selling As Is:

Fewer Offers: Some buyers (and their lenders) shy away from as-is homes due to repair needs. This often limits your pool to investors or house flippers.
Lower Profit: Buyers know they’ll need to cover repair costs and often negotiate aggressively, which can shrink your profit margin.

Is Selling As Is Right for You?

If you’re in a rush, strapped for cash, or simply want a straightforward transaction, selling as is can be a smart choice. However, if maximizing profit is your priority, investing in some repairs might be worth it. Every situation is unique, so it’s essential to weigh the pros and cons and consult a trusted real estate professional to help guide your decision.

Selling your house doesn’t have to be an uphill battle. Whether you opt for as is or choose to spruce things up, there’s a path to closing the deal that works for you!

Go back

Your message has been sent

A Path to Homeownership: Discipline, Focus, and the Right Support

The dream of owning a home is achievable, even if it seems distant. For one determined individual, the journey started with paying off debt, staying disciplined, and resetting expectations. These steps are a roadmap for anyone aspiring to buy a home, no matter their current circumstances.

Pay Off Debt

Debt can feel like a mountain, but with a plan, it’s scalable. Begin by organizing your debts—credit cards, student loans, or car payments—and tackle them systematically. The snowball or avalanche method can help you prioritize payments effectively. Reducing your debt improves your credit score and strengthens your financial profile, making homeownership a realistic goal.

Stay Focused and Disciplined

Discipline is the glue that holds the process together. It’s about skipping unnecessary expenses, sticking to a budget, and remembering the long-term reward. Sure, saying no to that pricey gadget or fancy dinner can be tough, but each “no” gets you closer to the “yes” of a home.

Reset Expectations

Sometimes, achieving big dreams requires adjustments. Maybe your first home won’t be your forever home, or it might be smaller than you imagined. Focus on what you need versus what you want. Owning a home, even a modest one, builds equity and opens doors to more opportunities in the future.

Talk to the Right People

You don’t have to go it alone. A trusted real estate agent or mortgage advisor can demystify the home-buying process, answer your questions, and help create a personalized plan. Local homebuyer programs, grants, and down payment assistance options might also be available to give you a boost.

Homeownership is within reach, but it takes intentional steps. By tackling debt, staying disciplined, and seeking expert guidance, you can create a path toward your dream. Remember, every small decision adds up, and with the right plan and people in your corner, you’ll cross the threshold into your new home in no time.

Ready to start your journey? Reach out today for tailored advice and support!

Go back

Your message has been sent

Advantages to Buying Your Home in the Winter: A Smart Move?

Buying a home in the winter might not sound like the coziest activity—snowy sidewalks and chilly open houses—but it has some seriously compelling perks. Let’s talk about why winter could be your golden season for home buying, sprinkled with a few relatable moments and practical insights.

1. Less Competition Means More Opportunity

Winter is the off-season in real estate. Fewer buyers are braving the cold, meaning the playing field is less crowded. It’s like scoring the last slice of cake at a party—without everyone else elbowing in. With fewer bidding wars, you can take a breath and focus on finding your dream home without feeling the heat of rivals snapping it up.

2. Better Deals Are on the Table

Did you know that homes sold in January are often cheaper than those sold in spring or summer? According to recent data, winter buyers can save tens of thousands of dollars compared to warmer months. That’s enough to cover some nice upgrades—or to splurge on your first big housewarming party. Sellers are often motivated during the holidays or in the New Year, making negotiations a bit more in your favor.

3. Your Agent Has Time for You

With fewer clients to juggle, agents can roll out the red carpet for winter buyers. From arranging showings that fit your schedule to offering personalized advice, this is when agents shine. Bonus? Faster responses and more attention to detail—it’s like having your real estate fairy godparent on speed dial.

4. Lock in a Stable Mortgage Rate

In a world of fluctuating interest rates, locking in a good one now can feel like hitting the jackpot. Rates tend to be more stable in winter, and if they drop further, refinancing is always an option. Why wait for spring when the current rate could save you money long-term?

Is Winter Buying Right for You?

Sure, winter has its hurdles—icy driveways, holiday distractions—but the benefits can outweigh the seasonal struggles. Whether you’re looking to save money, avoid competition, or get more personalized support, buying a home in winter might be the savvy move you didn’t expect.

So, grab your favorite scarf, venture out into the crisp air, and make this season the start of something extraordinary. You just might find that winter is the perfect time to turn your dream of homeownership into reality.

Go back

Your message has been sent

Selling Your Home in December: 3 Tips for Success

Listing your home during the holidays may feel like an uphill battle, but it also comes with unique opportunities. December buyers tend to be serious, and festive decorations can make your house feel inviting. To help your home shine during this busy season, here are three tips:

1. Keep Decor Simple and Inviting

Holiday decorations can enhance your home’s appeal, but less is more when your house is listed for sale. Stick to a neutral and minimal approach—think twinkling lights, a simple wreath, and tasteful greenery. Avoid oversized inflatables or decorations that crowd your space, making rooms feel smaller. Let buyers imagine their holidays in your home.

2. Prioritize Curb Appeal

Winter weather can dull your exterior, so add a pop of cheer. Sweep walkways, keep driveways clear of snow or leaves, and ensure your porch is well-lit. A simple seasonal doormat or potted winter plants can create a welcoming vibe for potential buyers.

3. Be Flexible with Showings

With everyone juggling holiday events, your schedule for showings needs to be flexible. Work closely with your agent to accommodate buyers’ needs, even if it means showing your home during unconventional hours. Making your home accessible can give you an edge in a competitive market.

Selling your home in December can be an adventure, but it’s also an opportunity to stand out. With tasteful décor, a focus on curb appeal, and a flexible approach, you can attract motivated buyers who are ready to close.

Go back

Your message has been sent

Post-Election Real Estate Outlook: What History Tells Us About Home Prices and Market Trends

The days after an election can be a rollercoaster of emotions. Whether you’re riding high because your candidate won or feeling a bit uneasy about potential changes, it’s natural to wonder what’s next—especially when it comes to the economy and the housing market.

Here’s a fun fact you might not have expected: history shows that home prices have typically gone up after 7 out of the last 8 presidential elections! Let’s dive into those numbers and what they might mean as we move forward.

A Look at Historical Trends

Since the early ’90s, most election cycles have been followed by a steady rise in home prices:

1992: $105,500 ➔ 1993: $109,100 🆙
1996: $122,600 ➔ 1997: $129,000 🆙
2000: $147,300 ➔ 2001: $156,600 🆙
2004: $195,200 ➔ 2005: $219,000 🆙
2008: $196,600 ➔ 2009: $172,100 ⬇️
2012: $177,200 ➔ 2013: $197,400 🆙
2016: $235,500 ➔ 2017: $248,800 🆙
2020: $296,700 ➔ 2021: $350,700 🆙

Looking at this data, the 2008 housing crisis stands out as the one exception, when the economy as a whole faced intense turbulence. Beyond that, the trend leans towards growth.

What’s Ahead for Us?

As we step into the post-election phase, the housing market may experience a few “dusty” weeks as interest rates adjust and we get a clearer picture of the economic policies that will shape the future. While we can’t predict every detail, here are three things to keep in mind:

Interest Rates Are Key: We’ll likely see some movement here. Even a small adjustment in interest rates can affect affordability, influencing buyer demand and price stability.
Economic Policy Matters: This could impact everything from new housing developments to tax credits/changes. Stay tuned as policymakers reveal their plans for housing and infrastructure.
Buyer and Seller Confidence: Elections bring some level of uncertainty, but that often shifts to renewed activity as we move into the following year. Whether you’re buying or selling, the right strategy can make all the difference.

Staying Ahead

If you’re thinking about buying or selling, now might be the perfect time to reach out and get an idea of your options. The trends may show a bump in prices, but every market has unique factors to consider.

Have questions or just want to chat about what’s next? Feel free to get in touch—I’m here to help you navigate the market with confidence!

Go back