Has Quarentine Forced You to Consider a Split from Your Home?
Written by Deborah Hayes
June 2020
REAL ESTATE NEWS Brought to you by Deborah Hayes
Has quarantine forced you to consider a split from your home?
Has
spending more time at home lately had you reconsidering your space? The
quirks you lived with just a few months ago might not be so easy to
dismiss when you're stuck with them all day, every day. Here's how to
tell if your relationship with your house can recover or if it's time to
move on.
You have no appetite for a renovation Your
home might be a good candidate for a makeover, but if the thought of
living in a dusty construction zone with contractors coming and going is
unbearable to you, then it's time to start over. There's no shame in
foregoing renovations for something move-in ready. After all, there will
be plenty of eager DIYers happy to make you an offer.
You're not crazy about your neighborhood You
know what they say: location, location, location. We'll put up with a
lot for our home to be in a nice spot, close to work and in a good
school district. But maybe that spot doesn't work for you anymore. Do
schools still matter or are your kids older now? Are you working from
home permanently and your commute is no longer a factor? When you're no
longer tied to a specific neighborhood, the possibilities are endless.
It's just too small If
the quarantine has made your small space feel even more crowded, or you
need to make space for a new home office (or two), it might be time to
upgrade.
It's too old We
all love a heritage home. The architecture! The charm! The
100-year-old... everything. You may have been ready for the sweat equity
when you moved in, but when paired with everyday life, 'this old house'
can feel more like 'this new nightmare.'
If the emotional and
financial toll of living in a home that is just too much of a project is
getting to you, consider shopping for a new one. A new construction
home might not give you the same character, but you will get a house
that's brand new in every way and a warranty to boot.
The Mortgage Business Is Alive, Well, and Online
With
some segments of the economy tentatively reopening, many who are buying
a home or refinancing an existing mortgage may be wondering how and
where to get financing. The good news is, the loan process hasn't
changed much, and it can all be done online.
While some loan
officers still prefer to meet their clients in person, more and more
mortgage professionals are equipped to meet virtually and communicate by
phone and video conference. Loan officers know many borrowers can't
take off work during the day in order to meet, so they tend to work
on-demand, around their client's schedules.
The rest can be done
remotely as well. Clients can submit loan applications online, which
are then reviewed at the mortgage office. The loan is then submitted to
an online automated underwriting system, or AUS. The AUS then provides a
list of all the items needed for a final approval.
Loan
officers get their rates online. They order third party services like
credit reports and appraisals online. For years, the mortgage industry
has been moving toward a remote-ready model, so for many professionals
in the sector this isn't a ‘new' normal. Just normal.
For those currently in the market for a loan, there's no need to wait. The mortgage industry is alive and well. And online.
Copyright
2020 Keller Williams® Realty, Inc. If you have a brokerage relationship
with another agency, this is not intended as a solicitation. All
information deemed reliable but not guaranteed. Equal Opportunity
Housing Provider. Each office is independently owned and operated.
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