Joe Kulle and Katie Riley - Heritage Homes Real Estate



Posted by Joe Kulle and Katie Riley on 10/20/2019

Your credit score can be a vast unknown when you are starting out in life. When you are just beginning you may not know what factors the financial world considers to calculate your creditworthiness. At this point, you are what the credit reporting agencies call credit invisible. To create a credit score, you will need to take your time and remain intentional. Websites like Nerdwallet.com and Annuity.org have information to build your credit score and financial health. Take your financial health seriously and be proactive about getting the information you need to create a stable future.

Annual Credit Reports 

A good starting point is to order your credit reports from all three reporting agencies. You get a free one from each of them every twelve months. An easy way to remember to check on your report yearly would be to order them on or near your birthday. If you find errors on any of the reports take the time to have the reporting agency, make corrections; then follow up. Next step in creating a credit score would be to open a secured credit card. This type of card is a credit card where the credit limit is equal to the amount of money you deposit. Your neighborhood bank or nearby credit union that you have your current accounts with can help you. 

Another way to build your credit is to take out a small credit builder loan. These credit-builder types of loans are designed to help you start developing a credit history. You can find them at credit unions and smaller community banks. When you take out this kind of loan, the money sits in an account, not accessible until paid in full. Make your payments on time and the financial institute reports those on-time payments to the credit reporting agencies. Once paid off the funds plus any interest is released to you. You now have the start of a credit score and perhaps a small emergency fund or start to a down payment.

Keep These in Mind

The essentials of building your credit score are:

- Making timely payments

- Keep your balance 30% or less of your available credit

- Monitor your credit reports

- Be patient

Time is your friend when you are just starting. By being patient and diligent, you will see a steady climb in your numbers. Like diet and exercise, financial health is only achieved by ongoing healthy habits. 

 If you have not ordered your credit reports in the last 12 months, order them this week and see where you stand.




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Posted by Joe Kulle and Katie Riley on 10/13/2019

As a home seller, it is crucial to do whatever you can to optimize your house sale earnings. Lucky for you, we are here to help you promote your residence to the right groups of prospective buyers so you can increase the likelihood of a profitable home selling experience.

Now, let's take a look at three tips to help you maximize your home sale earnings.

1. Boost Your Home's Curb Appeal

You won't have to break your budget to upgrade your residence's curb appeal. In fact, completing simple home maintenance tasks like mowing the lawn and clearing dust and debris from exterior walkways may make it easy for buyers to fall in love with your residence.

Spend some time upgrading your residence's curb appeal – you'll be glad you did. Because if your home makes a positive first impression on buyers, there may be no shortage of interest in your house. As a result, buyers may compete for your home – something that could help you get the best price for your residence.

2. Remove Clutter

Clutter may make your home appear smaller than its true size. As such, you should do everything possible to eliminate clutter before you add your home to the real estate market.

Oftentimes, it helps to host a yard sale or list excess items online. In other instances, you may want to donate various items you no longer need to charity or give them to family members and friends.

For home sellers, it is essential to remove as much clutter as you can. Remember, if you eliminate clutter, you can showcase the true beauty of your residence's interior. This may help buyers see the full potential of your home, and ultimately, could lead to offers to purchase that match or exceed your expectations.

3. Hire a Real Estate Agent

If you are unsure about how to navigate different parts of the house selling process, there is no need to stress. By hiring a real estate agent, you can get the help you need to achieve the optimal home selling results.

A real estate agent is a house selling expert who will be able to provide you with personalized recommendations and suggestions. First, he or she will meet with you and learn about you and your home. A real estate agent next will craft a custom home selling strategy. And once a real estate agent puts your home selling plan into action, he or she will ensure you can enjoy a seamless home selling experience.

Furthermore, a real estate agent is available to assist you in any way possible. If you are unsure about how to price your residence, whether to accept an offer to purchase or have other home selling concerns, a real estate agent will help you address them immediately.

Ready to maximize your home sale earnings? Use the aforementioned tips, and you can bolster your chances of enjoying a success house selling experience.




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Posted by Joe Kulle and Katie Riley on 10/6/2019

Everyone loves to admire those homes with excellent curb appeal as they drive into a street. When you want to sell a home, curb appeal is one factor that plays a significant role in attracting a buyer. If the curb appeal is excellent, then attracted buyers are inclined to see what is inside the home. 

Curb appeal also has other roles to play in a home. If you are not listing or selling, then curb appeal is equally important to have a beautiful exterior you can be proud of and that makes your neighborhood attractive to other buyers. Here are some easy ways you might accomplish curb appeal for your home.

Paint the front door

Sometimes, adding a splash of color to the exterior is a simple step. Paint the front door with a bold or bright color that guarantees it stands out and is impossible to ignore. Also, make sure that the color you pick, matches the rest of the house. This way everything looks creatively beautiful and organized.

Invest in the landscape

The landscaping around your home defeats your efforts to achieve good curb appeal if not taken care of. Invest in some fully-grown trees, and pretty plants or shrubs. These contribute to a green landscape that makes any home look unique, eco-friendly, and homey. 

Don't forget the roof

When making efforts to achieve curb appeal, you may let the things at your eye level carry you away. It's easy to forget the roof, but that is a mistake you want to avoid. Check the roof of the home for any repairs, replacements, cleaning, or maintenance needed. The roof matters more than you know, so be sure to keep it in good condition.

Landscape lighting

Outdoor lighting —sometimes referred to as landscape lighting—involves light fixtures that highlight your landscaping are suitable for outdoor use. Landscape lighting serves as security, a source of illumination, and a great curb appeal in the evenings. 

Colorful plants

You can improve the exterior appearance of your home by planting a few cheerful plants. Avoid artificial flowers because they scream fake, and do more damage than good. However, make certain that the plants you choose can grow favorably for a few months. Having dead plants outside the home will do nothing good for curb appeal.

Try these easy tips to enhance your home's curb appeal and receive compliments from the neighbors or make a quick sale. For more curb appeal techniques, talk to your real estate professional.




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Posted by Joe Kulle and Katie Riley on 9/29/2019

If you recently bought or sold a house, it may be only a matter of weeks before moving day arrives. As such, you may want to start planning ahead and contact a moving company to help you prepare for the big day.

Ultimately, not all moving companies are created equal. And if you make a poor selection, you risk encountering problems with your moving company as you try to take your belongings from one address to another.

Differentiating one moving company from another can be simple. In fact, there are several questions that you should consider before you hire a moving company, and these are:

1. What do I need from a moving company?

Moving from a big house to a small one is very different than relocating from an apartment to a home. Thus, you should consider your moving day needs and tailor your search for a moving company accordingly.

Don't forget to evaluate your moving day budget too. If you consider how much money is at your disposal, you can map out a search for a mover and discover a moving company that falls within your price range.

2. What services does a moving company offer?

Many moving companies will help you pack up your belongings, move them to your new address and help you unpack. Comparatively, some moving companies only offer limited support on moving day.

Think about which moving day services you'll need before you choose a moving company – you'll be glad you did. If you know what you want out of a moving company, you can narrow your search and quickly find a mover that will match or exceed your expectations.

3. What are past clients saying about a moving company?

Oftentimes, it helps to look at client reviews for moving companies. These insights can help you understand what it is like to work with a particular moving company before you make your final decision.

If customers frequently rave about a moving company, this is a positive sign. In this instance, you may want to move quickly to hire a moving company for your upcoming relocation.

On the other hand, a moving company that receives many negative reviews should raise red flags. If most customers are not satisfied with the support they receive from a particular moving company, you may want to consider other movers.

Finding the right moving company may seem difficult, particularly for individuals who have only a limited amount of time to relocate. But if you collaborate with a real estate agent, you may be able to discover the ideal moving company in no time at all.

In addition to helping you buy or sell a home, a real estate agent will make it easy for you to enjoy a seamless move. A real estate agent likely can put you in touch with the top moving companies in your area. As a result, a real estate agent can help you find a great moving company, regardless of when you need to relocate.





Posted by Joe Kulle and Katie Riley on 9/22/2019

Getting a new mortgage can be stressful, whether you are getting it for the first time or not. You have to carry out thorough research to avoid going into a mortgage that drains your pocket through high-interest rates. You can get yourself prepared for the lowest interest rate that is suitable for you by taking good care of your credit history. Do you realize that a difference of 1 percent in the interest rate can save a tremendous amount of money on a mortgage running for 30 years?Consider the following when searching for competitive rates:

Introductory rates:

You should consider loans with discounted initial rates. Be on the lookout for fees and be ready to switch in case the rate goes higher than your budget or plan.

Alternative lenders:

When looking for a low-interest mortgage rate, you should check if a smaller non-banker lender is providing a low-interest mortgage. When you find options, check properly to be sure that there are no additional charges. You must know the final amount before committing.

Variable versus fixed rates:

The difference between a variable and fixed rate is that variable loans usually advertise more flexibility and lower interest rates when compared with the fixed rate. However, the truth is that you can get a fixed-rate mortgage without any possibility of rising rates. Variable rates may tell you the percentage is likely to go down, but it can go up also! 

Negotiating a discount: 

After you have selected a mortgage company, inquire about their unadvertised discounts that can save you money.

Here are some tips to help you qualify for low-interest mortgage rates:

  • Get a loan with low fees. You should know that most mortgages have a separate charge that is different from the repayments and rates. Such fees sometimes are not included in most online loan comparison websites. Contact the company to be sure you have full information about one-time fees like application or origination fee as these may be expensive. Compare with other ongoing fees to be sure it does not cost you more in the long run.
  • Should you avoid fees at all costs? You do not always need to avoid fees. To know the amount that a loan will cost you, you should do the calculations and consider the benefits as well as the charges involved. If you discover that a mortgage loan has features that benefit you, it is justifiable to pay a small ongoing fee.
  • Save up a healthy down payment. It is worth noting that you are likely to borrow less to cover your home's purchase price if you have a substantial down payment. It is better to save enough funds towards your down payment.

Speak to your financial advisor or planner to know how to be pre-approved for the best mortgage rates before you start your house search.




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