FINDING THE RIGHT MATTRESS

mattress

FINDING THE RIGHT MATTRESS

You’ve got more options than ever when mattress shopping these days with no shortage of brick-and-mortar and online-only retailers to choose from. Here are the factors you should consider when you’re shopping for a perfect night’s sleep.

  1. Mattress construction: The most popular types are inner spring, memory foam, and adjustable air. Each has pros and cons when it comes to durability and comfort customization.
  2. Firmness:  Firmness plays a huge role in the quality of your sleep. Mattresses that are too firm or too soft can cause aches and pains, so it‘s recommended that you test a mattress for 10- to 15 minutes in store before making a purchase.
  3. Sleeping position: Match your sleeping style (side, back, face-down, etc.). You want one that keeps your spine in proper alignment. For example, some are better for side sleepers, while others are better for back sleepers.
  4. Size: It’s not quite as simple as choosing between a king and a queen mattress. You should also consider your height, as some are a better fit for shorter people while tall people will want a longer mattress so their limbs aren’t hanging over the edge of the bed.
  5. Stability: For couples, you should consider how the mattress reacts when one person moves, so the other person’s sleep isn’t disturbed in the middle of the night.

IMPROVING YOUR CREDIT

FIVE TIPS FOR IMPROVING YOUR CREDIT

creditscore

Monitoring your credit report and credit rating is important, especially if you’re considering purchasing a home. Here are five tips for improving your credit. It’s not about quick fixes, but responsible financial activity over time.

  1. Get a credit card: OK, this may seem counterintuitive, but let me explain. When used correctly, a credit card can be an effective tool for building credit. Charge a few budget-conscious purchases each month, and pay the balance off before your due date.
  2. Keep your balance low: This is the other side of the coin with credit cards. Try to only charge for items you could pay for out-of-pocket, and try to stick to a balance of only 10 percent of your credit limit.
  3. Food: If your kitchen is being torn apart, preparing meals becomes a lot more difficult. You may be able to keep your food budget steady by switching to meals that don’t require counter space, the stove, or the oven, but don’t be surprised if you end up dining out more often.
  4. Leave paid debts on your report: Paid off debts like car loans show that you have a history of paying your debt on time.
  5. Ask! If you’re looking to pay off a debt quickly, it can’t hurt to ask the lender to lower your interest rate. You can’t get what you don’t ask for!

New Construction

new construction

Thinking of Building?  Know Your Options!

Unlike buying a new car, new homes don’t loose their value as soon as you buy them.  In fact, they can be a better investment than a used home if you choose the right builder and have your home built in the right location.  New homes have come along way over the years and if you want the latest and greatest in your next home, new construction is the only way to go.  Finding the right location, however, can be a bit hard if you don’t know what you’re looking for.

Energy Efficient New Homes Biloxi Gulfport Ocean SpringsNew Construction Homes have all of the latest energy efficient and smart home functionality.  Getting a new home warranty is another benefit when buying a new construction home. While you can buy a home warranty with a used home, it normally only covers the appliances and minor coverage on the systems of the home like electric, plumbing and HVAC.  The State of Mississippi mandates that all new home builders must warrant their home’s build quality and systems for 1 year and structural for 6 years. Check out the Mississippi Home Warranty Act for more information.

New construction home building process elliott homes garlon homes mason trendsetters dr horton adams homes westin homes dsld homesThere are many pitfalls in building a new home, so we decided to go over a few of them here.  All agents at NextHome E-Realty have worked for multiple builders and have vast knowledge in new home building along the Mississippi Gulf Coast. While many builders try to take care of their customers, many do the minimum to get to the end.  There are really two types of builders you will be dealing with in single family residential homes.  The first is a Production Home Builder which builds you a home with hardly any changes that you can make.  The second type is a Custom Home Builder which is just the opposite.  They do mainly what their name suggests… build you a custom home that fits you exactly down to the door knobs and plumbing fixtures.  Let’s take a closer look at both types.

“Production” Home Builders

Adams Homes home for sale DR Horton homes for sale biloxi homes for sale gulfport homes for sale ocean springs homes for saleEssentially, production home builders build the same homes over and over and they’ve gotten very good at it.  The more efficient they get at it, the more they can bring down their cost of the home and pass that saving along to you.  Production builders also build on their own lots in their own subdivisions that they sometimes have developed.  The main three production builders on the Mississippi Gulf Coast are Adams Homes, DR Horton and DSLD Homes.  All offer to pay closing costs as long as you use one of their preferred lenders.  While value seems to be the biggest focus for production builders, they don’t give you the ability to make changes to their plans.  This means that you will most likely have to compromise on your home’s design.

“Custom” Home Builders

Elliott Homes for sale Biloxi Gulfport Ocean Springs homes for sale Garlon homes, Westin Homes, Mason Trendsetters, Homes for saleIf production home builders offer the best value, custom home builders offer you the best design… at a price.  So if you need some specifics in your next home, custom home builders offer you the best peace of mind because ultimately, you’ll be the one having to live in the home.  There’s nothing more annoying than to be reminded daily you should have chosen to build your home differently after you move in.  Having a home builder that asks the right questions eliminates this way up front.  You need to discuss how you live in the home, not just how many bedrooms and bathrooms you need.  The most well known custom home builders along the Mississippi Gulf Coast are Elliott Homes, Fritz Homes, Shepard Homes and Sapphire Homes.

 

Search New Construction Homes For Sale
List of all new construction homes for sale in biloxi, gulfport, ocean springsMap of all new construction homes for sale in biloxi, gulfport, ocean springs

     Biloxi – New Construction Homes for Sale

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     Vancleave – New Construction Homes for Sale

 

 

Have a New Construction Home Builder in Mind?

 

Remember to contact me first before contacting any new home builder.  They have their own sales staff representing the builder’s interest and I will be representing your interest.  The great part about having me on your side is that it costs you absolutely nothing.  I get paid by the builder, but as the state mandates… I represent you!  If you have already visited the home builder’s model home, it’s okay!  I can still represent you as long as you have not signed their construction agreement yet.  So, contact me now to get started!

Top 5 Foreclosure Tips

My Top 5 Foreclosure Tips

5 top tips for buying foreclosures, foreclosure power search, foreclosure search, foreclosure, foreclosures, biloxi foreclosures, gulfport foreclosures, long beach foreclosures, ocean springs foreclosures, gautier foreclosures, st martin foreclosures, woolmarket foreclosures, north biloxi foreclosures, diberville foreclosures, pass christian foreclosures, bay st louis foreclosures, waveland foreclosures, diamondhead foreclosures, harrison county foreclosures, hancock county foreclosures, jackson county foreclosures, foreclosures for sale, foreclosure homesWe’ll give you 5 Top Tips in buying it right!  Foreclosures can be a tricky purchase due to several issues that can arise in the home buying process.  With the last few years giving us more foreclosures on the market than usual, everyone is looking for a great deal.  You can get a deal and sometimes a steal, if you play your cards right.

The big lure of foreclosures is the price… but it comes at a cost.  All bank owned properties are sold “AS IS” with no seller’s disclosure of the property and most of the time sold granting the buyer a Special Warranty Deed, not a General Warranty Deed.

 

1.) Get Pre-Approved for a Mortgage

foreclosure home mortgage approvalGetting pre-approved for a mortgage is a huge advantage over other foreclosure buyers you may be competing against.  Having a pre-approval letter to submit with your offer significantly increases your odds with the bank’s opinion of you.  It says you can actually go through with what you are claiming in your offer.  Banks mostly require a pre-approval letter to be submitted and if you already have this done, you can make the offer on the spot… not having to wait to get pre-approved.

2.) Get a Home Inspection

get a home inspection when buying a foreclosure in biloxi, gulfport, ocean springs, gautier, pascagoula, long beach, pass christianWhen buying a foreclosure, getting a home inspection is a must and can be worth its weight in gold!  A good home inspector can give you insight into a home that even the seller wouldn’t be aware of most times.  Over time, a home can fall into disrepair in areas that can’t be seen.  Home inspectors have a huge checklist to go through from checking the attic vents for leaks to checking the plumbing connections under the kitchen sink.  They can give you a very detailed report with pictures of concerned issues which is very helpful in making an offer. Another big reason you want a home inspector is to check for Chinese drywall.  This is still a big issue today since a lot of homes had drywall repairs after Hurricane Katrina.  Chinese drywall can be very harmful to people and pets… and the house suffers as well.

3.) Check With the Home Owner’s Association (HOA)

home owners association, hoa, hoa dues, foreclosures in biloxi gulfport ocean springs mississippiMore times than most, buyers do not check with the Home Owner’s Association before putting in an offer.  Not only do you want to see if the past property owners paid their HOA dues which may be due, you want to ask people in the HOA about the neighborhood and the property if they know of any past issues. When dealing with a bank foreclosure, the bank doesn’t have any knowledge of the property’s history and they are exempt from filling out a “Property Condition Disclosure Statement”.  Another thing you want to get from the HOA (if there is one), is to get a copy of the restrictive covenants. This way, you won’t be surprised after you move in that you can’t erect a fence or have pets.

4.) Read the Fine Print

Read the fine print when buying a foreclosure home in biloxi gulfport ocean springs long beach pass christian pascagoula mississippiBefore putting in an offer on a bank owned foreclosure, you will have to sign off on the bank’s disclosure package.  Sometimes it can be 50-60 pages of fine print… some pertaining to you on this specific property, some not.  The reason there are so many pages is because of so many different types of properties and issues the banks have had when foreclosing on properties across the United States.  Here on the Mississippi Gulf Coast, we don’t have to worry much about snow or basements, but some of the disclosures you may have to sign could pertain to these.  When I say “have to sign”, I mean it.  All banks will not accept an offer on any of their foreclosures without having the paperwork on their side.  This is what you are giving up for price… some liability.  I say “some liability” because if you do what we are saying here, your liability will be reduced.

5.) Find Out Why It Was Foreclosed

Find out why a home was foreclosed on or not selling before you buy a foreclosure in biloxi, gulfport, ocean springs, pascagoula, gautier, pass christian, long beach, diamondhead, mississippi gulf coastIf the house was foreclosed… why?  Was it the layout?  Was it not priced correctly?  Was it listed previously?  If it was listed, compare the old and current listings to see if you can see any discrepancies. We have an article on this site under the “Selling” tab at the top of this page named “Looking to Sell?  Here’s the Top 5 Reasons Why It May Not”.  Read this article to see why this house didn’t sell.  It could have been the location, functionality or condition.  Whatever it was… you want to try to figure it out before you make an offer, not after you move in.  If you need to sell the home later, you want to be able to without surprises. The more you do now, the better off you will be!

DON’T BE A VICTIM: TRIM THOSE SHRUBS

overgrown shrubs

DON’T BE A VICTIM: TRIM THOSE SHRUBS

Crime prevention studies show that burglarized homes have less visual access (overgrown shrubs) than their neighbors who were not burglarized.

Burglars seek to victimize homes with easy access in and out, and most importantly, they don’t want to be seen.overgrown shrubs

A common thread in burglaries are homes with overgrown trees and shrubbery.

When walkways and windows are covered in green they may look great to you, but they look like “opportunity” to the would-be burglar.

When looking at your home from the street, can you see all access points clearly and easily? If not, make sure you trim the green and keep you and your family safe.shrubs

PHRASES TO AVOID WHEN YOU’RE BUYING A HOME!

three things not to say

AVOID THESE PHRASES WHEN YOU’RE BUYING A HOME!

Sometimes you need to keep a poker face when you’re buying a home. It’s not in your best interest to be totally candid with the seller and listing agent when you’re considering a home. Here a few things that are better left unsaid until you are along with your buyer’s agent OUTSIDE of the home and property.  Even if the Seller or the listing agent is not there, it’s always best to not say anything about the home until you are away.  Many of the security systems nowadays have audio AND video capabilities and the home owners COULD be watching and listening  while you tour their house.

“This is at the top end of our budget”: Don’t let the listing agent know that a home is at the top of your budget. You want to keep all the bargaining chips you can, and letting the seller know your budget can hurt you when it comes time to negotiate.

“I hate the paint”: Or furniture. Or cabinets. Or any of the decor. No matter how hideous the wallpaper in the kitchen is, take care not to insult the seller’s taste. If they’re considering multiple offers, you don’t want to be the buyer that offended the seller!

“We can’t wait to renovate”: Customization is one of the big perks of homeownership, but it’s best to keep your renovation plans quiet for the moment. The seller may have a lot of memories in the home, and may not appreciate your plans to immediately tear down some walls.

FIVE THINGS THAT MAKE US HAPPY WITH OUR HOMES

happyhome

 5 THINGS THAT MAKE US HAPPY WITH OUR HOMES

According to a recent survey conducted by houzz.com, here are five things that consistently make people happy with their homes.

  1. Big windows and comfortable furniture: Nearly 75 percent of respondents listed these two items as major difference-makers. It’s a no-brainer—people like lots of light and a good place to relax.
  2. A big-screen TV: This is more likely to be a key feature for men than women. 40 percent of men said having a big-screen TV makes them happy with their homes, compared to just 17 percent of women.
  3. Overall design and layout: 87 percent of the 6,000 people surveyed said the design of the home is a major contributor to overall happiness. If you’re unhappy with your home and there’s a project you’ve been wanting to tackle, get to it!
  4. Home cookin’: 39 percent of respondents said the scent of good cooking or baking made them happiest. Clearly, it helps to have a capable chef around the house!
  5. Keep it tidy: 72 percent of homeowners said they’re happiest when their houses are clean and well-organized. If you want to be happier with your home, try having a place for everything, and put everything in its place.

WHICH FEATURES ARE MILLENNIALS LOOKING FOR IN A HOME?

millenials

WHICH FEATURES ARE MILLENNIALS LOOKING FOR IN A HOME?

Millennials are the second-largest segment of home buyers, ranking behind only baby boomers, according to the National Association of Realtors.  Here are five features that tend to entice millennials who are looking to buy.

An up-to-date kitchen and bath
Younger buyers often have limited funds for renovations, so it’s important that they have functional and inviting bathroom and kitchen spaces from the very start.

An open floor plan
Having a formal dining room isn’t of particular importance to millennials, in fact, many prefer open spaces with no separation between kitchen, living room, and dining room. An open concept makes it easier to entertain everyone at once.

An office
More and more jobs are offering work-from-home options, and there are also plenty of freelancers and telecommuters among millennials. A dedicated space for getting some work done can be a key attraction.

Friendly location
With gas prices rising, many millennials prefer walking, biking, or public transit for their commutes. A great location is key.

Energy savings
Millennials are often more conscious of energy conservation and efficiency. Energy-efficient appliances, energy-efficient windows, and quality insulation can make a huge difference.

QUICK TIP FOR BUYERS TO COMBAT MULTIPLE OFFERS

multiple offers

A NEW OPTION FOR HELPING BUYERS COMBAT MULTIPLE OFFERS

There’s intense competition for homes in areas where home inventory is low, and cash buyers often get the nod in situations where there are multiple offers.

But there’s a new option for non-cash buyers that could help them compete in these situations, according to an article in the New York Times.

Some mortgage lenders are beginning to offer “pre-underwriting.” Rather than a simple pre-approval for a loan, which is usually based on the borrower’s credit report, pre-underwriting is a complete review of all documents that would be required for loan approval. This “pre-underwriting” strategy puts borrowers on more equal footing with cash offers.

Pre-underwriting is much more involved and time-consuming than a typical pre-approval, so not all buyers are eligible, but that could change in the future.

No two markets are the same, so if you have questions about your market and your financing options, get started by contacting your trusted real estate professional.

THE DIRTIEST ITEMS IN THE HOME AND HOW TO CLEAN THEM

dirty jobs

5 of the Dirtiest items in your home

Of course, one of the dirtiest items in anyone’s home is the toilet. But, that’s not the only place where dirt and germs accumulate. Here are five other dirty items and suggestions for cleaning them.

  1. Bath Towels – When you and your family dry off from your shower, your bath towel absorbs the water from your body. Then it sits all day breeding bacteria that thrive in warm, moist areas. Combat this issue by changing your bath towels out every two days and washing your dirty towels in hot water to kill anything living on them.
  2. Shower Curtain – Shower curtains easily pick up bacteria the same way bath towels do. They also attract germs from the toilet if they are near each other. Clean your shower curtain by spraying it down with a bleach-based product. Spray the rings and rod, too. Also, when the shower curtain is beyond cleaning, replace it.
  3. Doorknobs – Entryway and bathroom doorknobs are exposed to myriad germs daily. Thankfully, doorknobs are easy to clean. Wipe them down with antibacterial wipes regularly.
  4. Window/Door Tracks – Window and door tracks are harbingers of dust and dirt. The grime that builds up can make you and your family ill. You can easily clean these areas by vacuuming out large pieces of debris and then spraying the stuck-on dirt with water, letting it loosen up and wiping it with a damp cloth.
  5. Toothbrush Holders – Your toothbrush holder is likely teeming with germs and bacteria. Wash it with hot soapy water twice a week. If you can, run it through the dishwasher to ensure it gets clean and sterilized.