HUNT Mortgage 2nd Look Program For Homebuyers

If you are looking to purchase a home, your first stop should be to speak with a lender. Getting your finances in order BEFORE you begin shopping is imperative for a few reason.

  1. You will be able to get advice on what your credit report looks like and how you can make it better, possibly opening up access to different loan types or better rates.
  2. It will help you to set a shopping budget for your home purchase.
  3. Sellers and agents are expecting any buyers who request showings have already been pre-qualified with a lender.

There are many loan types out there and lots of lenders to choose from. Product type and rates may differ from lender to lender. Buyers should speak with a few mortgage consultants to compare products and services, kind of like when you consider purchasing a car from a dealership and they each have their own financing products to help with your purchase.

I always suggest my clients speak with Bob Tuttle and Pat O’Connor at HUNT Mortgage; not because there is some incentive for me to do so, but because I have worked with them on several occasions and they have gone above and beyond to ensure my clients’ purchases went smoothly. I have also seen them secure mortgage commitments and clear to close status in record time. They do a great job and are excellent resources for buyers, especially first-time homebuyers who have never gone through this process before.

One of the benefits of HUNT Mortgage is their 2nd Look Program. If you have been pre-qualified with a lender and would like to compare that financing with what HUNT Mortgage can provide, you should speak with Bob or Pat. They will review rate terms to see if they can do better. Fun story: Over the summer I was working with a client who ran into a snag with his financing through another lender. I directed him to speak with Pat and after doing so my client ended up with a better rate and a better loan type. He also got his mortgage commitment in 10 days!!!

Also, by having one of the HUNT Mortgage experienced consultants review your financing you will receive a $50 Gift Card! The best part – if HUNT Mortgage can’t beat the rate from the other lender you still get to keep the gift card!

So what do you have to lose? Have Bob Tuttle or Pat O’Connor at HUNT Mortgage take a look at your financing. It means $50 more in your pocket today and possibly huge savings down the road!

Bob Tuttle –
Direct: (518) 416-4431
Email: robert.tuttle@huntmortgage.com

Pat O’Connor –
Direct: (518) 312-0181
Email: patrick.oconnor@huntmortgage.com

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NOTE: HUNT Mortgage is an affiliate company of HUNT Real Estate ERA. You are not required or obligated to utilize HUNT Mortgage services in order to work with a HUNT Real Estate ERA Licensed Salesperson. You may opt to use any financing or lender for your home purchase. This blog is intended only to inform you of the services provided by HUNT Mortgage. Bob Tuttle and Pat O’Connor are both New York State licensed mortgage consultants servicing the Capital Region.

Erin Miller is a Licensed Real Estate Salesperson with HUNT Real Estate ERA in Clifton Park, NY. Whether you are listing your home, buying a home or both, Erin would love to speak with you about the services that she and HUNT Real Estate ERA provide to support you with your real estate adventure. Visit her website and find her on Zillow.

 

 

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The Top 10 Reasons to List A Home During the Holidays!

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The holidays are upon us! I am sure most of you are thinking that the real estate market comes to a screeching halt during the holiday season. The truth is, it never really stops. In fact last year during the holidays the Capital Region saw 812 new listings, 2,621 showing appointments, and 618 closings. That is a lot for an already busy holiday season, but it also shows that the real estate market stays active and healthy during the early winter months. Buyers that are still out in the market during this time are usually serious and are trying to find the right house; will yours be the one?

The Top 10 Reasons to List A Home During the Holidays

  1. People who look for a home during the Holidays are serious buyers.
  2. Serious buyer have fewer houses to look at and choose from during the holidays. Less competition may mean more money for you.
  3. The supply of listings will dramatically increase in January. A higher supply of available homes in the market will mean there will be less demand for your particular home. This may impact your sale price.
  4. Houses show better when they are decorated for the holidays.
  5. Buyers are more emotional during the holiday season, so they are more likely to pay a higher price for a home.
  6. Buyers have more time to look for a home during the holidays than they do during a typical work week.
  7. Some people must buy before the end of the year for tax reasons.
  8. January is traditionally a month for employees relocating to the area to begin new jobs. Since transferees cannot wait until spring to buy, your home must be on the market now to capture those buyers.
  9. Your home can be on the market during the holiday season, yet, you have the option to restrict showings during inconvenient or undesirable times.
  10. You may sell your home now for more money and we can negotiate a delayed closing or extended occupancy until early next year.

Many homeowners may be hesitant to list around the holidays, but the list above and the general market conditions suggest that the holidays really don’t hinder buyers. The question is, are you ready to sell?

Erin Miller is a Licensed Real Estate Salesperson with HUNT Real Estate ERA in Clifton Park, NY. In the past Erin has worked in the field of marketing, focusing in social media and internet marketing. She also holds excellent customer service skills and enjoys working in the community. Erin is looking forward to blending real estate and her other skills to provide a great experience for future clients in the Capital Region. Visit her website and find her on Zillow.

New Listing – 705 Sacandaga Rd – Pending

**So this listing actually went under contract before I could get this blog post up! Thought I had the blog crafted I didn’t have a chance to publish it before my sellers received multiple offers on this adorable little home!

I am so excited to present my latest listing! A very cute bungalow, completely redone by the current owners. 2 bedrooms with one bath on the first floor. Comes with a walk up attic and an entire top floor just waiting to be converted into living space.

Beautiful granite countertops and stainless steel appliances in the kitchen. Warm wood feature wall and wood burning fireplace insert in the cozy living room. Open feel to this charming little home. Nice yard in a convenient location and it is USDA financing eligible!

Check out some images below and make sure to contact me for your showing appointment!

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Erin Miller is a Licensed Real Estate Salesperson with HUNT Real Estate ERA serving the Scotia, NY area. Whether you are listing your home, buying a home or both, Erin would love to speak with you about the services that she and HUNT Real Estate ERA provide to support you with your real estate adventure. Visit her website and find her on Zillow.

New Listing – 3313 Maryvale Dr – Sold

**Home sold as of 11/15/17, pending after only 12 days on market!

I am so excited to present this super cool home in the Woodlawn neighborhood of Schenectady. This home has a really neat split layout with a converted garage for more living space. Don’t worry, the home also has a 2 stall garage for your vehicles!

This is a 2 bed, 1 and a half bath home with an office/flex space and expanded living area into the attached garage space. All it needs is your personal touch!

Contact me today for your showing of this great home!

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Erin Miller is a Licensed Real Estate Salesperson with HUNT Real Estate ERA serving the Schenectady, NY area. Whether you are listing your home, buying a home or both, Erin would love to speak with you about the services that she and HUNT Real Estate ERA provide to support you with your real estate adventure. Visit her website and find her on Zillow.

Thinking About Listing Your House?

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Deciding to sell your home can be a daunting one. There are so many things to take into consideration.

  • Is now the right time to move?
  • How are the finances?
  • When is the best time to sell?
  • What should be done to ensure a home sells and sells quickly?

Truthfully there is no best time to list your home. We have fast and slow times in the real estate world. Winter and the dead of summer have stuck out in my experience. But there are still listings and buyers all the time. So what makes spring so popular? Well, spring is a renewal time and the weather breaks, making moving a simpler task.

The good news is we are entering the cusp of when our busiest season starts and buyers are out in full force. The bad news is the busy season can be very competitive. Not just for buyers, but also for sellers, who are all hoping the plethora of buyers are interested in their home. With more homes competing for traffic it can be easy for a listing to get lost in the shuffle. On the flipside, if your listing is eye catching and has the proper marketing, you home can sell quickly and at top dollar.

Bringing your home to market in the early spring gets you in front of buyers who have been looking at slow cycling inventory for many weeks. Presenting buyers with a new and attractive listing can bring you selling success. If you choose to list in later spring that is still a good time. You just don’t have the advantage of catching the season at the very beginning.

Creating a listing plan can really help layout whether you are ready, willing and able to make a move. If you decide you are ready for that change start with looking at your finances. What will you do after you move; buy or rent? Do you have to sell before you can buy? If after reviewing your situation you find it is not the right time, take the steps you need to until you get to where you need to be to comfortably make your transition.

Remember that listing a home isn’t just about preparing yourself for a change, it’s also about getting your house prepared. Finish up and half-completed projects. Address any areas of major concern. Have an agent look at your home and offer advice on what can make your home sell quickly. Take your time preparing your home. A first impression is important and could be all it takes to sell your home.

Spring is coming, so if you are thinking of listing this year start preparing now. Make your plan, take care of business, and reach out to a licensed real estate professional. There will be lots of competition in the spring market and the assistance of an agent can mean more exposure for your listing. The more exposure your listing has, the more eyes will see it. The more eyes that see, the more likely it is the right eyes see it.

Stay warm & cozy! See you this spring!

Erin Miller is a Licensed Real Estate Salesperson with HUNT Real Estate ERA in Clifton Park, NY. In the past Erin has worked in the field of marketing, focusing in social media and internet marketing. She also holds excellent customer service skills and enjoys working in the community. Erin is looking forward to blending real estate and her other skills to provide a great experience for future clients in the Capital Region. Visit her website and find her on Zillow.