Claire LeBlanc - REALTY EXECUTIVES



Posted by Claire LeBlanc on 5/2/2018

Purchasing a home represents a life-changing decision, and as such, should not be taken lightly. Instead, a homebuyer will want to consider the pros and cons of buying a particular residence, along with the benefits of purchasing a house in the first place.

Ultimately, there are many benefits of buying a house, including:

1. Predictable Housing Costs

For many renters, it can be difficult to determine how much housing costs may vary year to year. Plus, renters may be forced to move from one location to the next as soon as a lease expires – something that could prove to be both time-consuming and costly.

Homebuyers can reap the benefits of predictability, and for good reason. Typically, a homebuyer will be able to pay predictable mortgage costs for the life of a home loan. This individual also won't have to worry about committing substantial time and resources to move regularly. On the other hand, a homebuyer will be able to relocate to a house that he or she owns and enjoy this property for years to come.

2. Home Appreciation

A home offers a terrific asset, one that may increase in value over an extended period of time.

Typically, a well-maintained home will become more valuable over the years, particularly for homeowners who keep their residences looking great. This means if you ever decide to sell your home down the line, you may be able to receive offers that exceed what you initially paid for it.

3. Exceptional Privacy

Finding a place to call your own can be tough. However, homeowners can enjoy unprecedented privacy, as their residences enable them to take a break from the hustle and bustle of the outside world any time they choose.

A home offers a wonderful place where you can relax with family members and friends or on your own. And remember, you can always modify your home to further increase your privacy as well.

4. Unparalleled Security

If you rent a property and break your lease, your landlord can kick you out of your home. Comparatively, if you purchase a house, you own the property. This means you will always have a roof over your head and can rest comfortably in your very own place.

Buying a home can instill a sense of pride in an individual. Furthermore, a homeowner can take solace in the fact that his or her residence is a safe place and enjoy it day after day.

Ready to purchase a house? Not so fast. You'll first want to contact a real estate agent who can guide you through each stage of the homebuying process. That way, you can receive support from a friendly, expert real estate agent and ensure that you can secure your dream home quickly and effortlessly.

Reach out to a real estate agent today – you'll be happy you did. With a real estate agent at your side, you can navigate the homebuying process and find your ideal house.




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Posted by Claire LeBlanc on 4/22/2015

What is your dream home? It is a water-front home, a cabin in the woods, a city apartment or a home on a cul de sac in a suburb? The phrase “dream home” means a lot of different things to a lot of different people. Here are some things to consider when looking for your dream home: Square Footage Consider how much room you need in your home. Do you need a media room or a finished basement? Three decades ago the average home size was 1,645 square feet. Now the average home size has gone up to 2,195. Recent trends have shown house sizes again decreasing as buyers evaluate what they truly need. Floorplan Think about how you will use your home, will you be entertaining? Do you like your home with rooms that are intimate and have a traditional feel? Or do you prefer an open floor plan? The way you use your home will dictate the type of floor plan you ultimately choose. Extras What kind of extras are you looking for in a home? Do you want granite counter tops, high-end appliances, or other extras?  That will also affect price. Decide what you want and make sure it fits your budget. Landscaping The bigger the better may not be the case when it comes to a lawn. A big lawn means lots of landscaping. If you are willing to perform the necessary upkeep you may opt for a large yard; if not, your dream home may be a home with a smaller yard or even a condo. Location Choosing a neighborhood is important when picking your dream home. If you have a family or are planning one in the future you most likely will want to look at school systems.  Other considerations are commute time to work, location to stores, highways, the ability to walk to venues and public transportation.    





Posted by Claire LeBlanc on 2/4/2015

To buy or not to buy that is the question. There are reasons for or against homeownership on both sides of the fence. So here are the pros and cons of buying a home. You decide... Pros: 1. It Costs Less- With record low interest rates, and low home prices a mortgage payment on a house can be less than a rental payments. 2. Equity -If you own a home rather than rent you are building equity. If you pay rent you have nothing to show for it. If you own a home you are building equity. Even if housing prices stay flat part of your mortgage payment goes towards the principal balance and eventually you will own the home. Cons: 1. You Could Get a Better Money Return-A home may not be the best return on your money. You may find a better return on capital in the stock market. If you are just looking at it in a strictly financial way there are better investment strategies. Historically, the S&P 500 has returned an average of 13.4% -- 4.8% higher than the 8.6% average return on housing. 2. It is a Big Commitment-You can't just sell your house and move quickly. It is a long term decision. If you job requires frequent moves this can be a significant consideration. Now that you have seen some of the pros and cons the decision is ultimately up to you and what is best in your circumstance. The pros cannot be disputed. Low rates and prices almost make buying a no-brainer if it fits within your financial situation.





Posted by Claire LeBlanc on 11/5/2014

Mortgage rates are at historic lows and there is no better time to buy a home. Do you qualify for those low advertised rates? Will you be able to secure a mortgage? Studies show that 6 in 10 people do qualify for mortgage loans. For those that can't qualify here are ten reasons why a would-be borrower might face rejection: 1. A low credit score will keep you from getting a mortgage. Typically, a score less than 620 is unacceptable by most lender standards. 2. A maxed out credit card threshold will stop a mortgage in its tracks. If your balance more than 30 percent of the allowable credit lenders will take pause. 3. Multiple credit inquiries may drop your credit score. Limit your credit inquiries to mortgage-only credit pulls within a 30-day period. 4. Did you Co-sign a loan with someone? If so, plan to provide 12 months of canceled checks showing they make the payments to the creditor. 5. Other housing liability payments or a consumer loan for a vehicle may prevent your loan approval. Lenders are looking for you to have double the income to offset each dollar of debt you carry. 6. If you are self-employed you may not be showing income under a Schedule C. This reduces your borrowing power. 7. Claiming many unreimbursed business expenses and losses on your taxes may help you pay less taxes but it also can reduce your borrowing power. 8. If you change jobs often this could also hurt your chances at a mortgage. If you occupational status has changed in the past two years it can hurt you. 9. If you are planning on using cash for your purchase think again. All monies must come from some kind of a bank account. 10. Don't plan on transferring money from different accounts during the loan process. Be prepared to show full bank statements and a chain of deposits etc. Your mortgage professional should be able to look at your credit, debt, income and assets and make a determination of whether you qualify for a mortgage.





Posted by Claire LeBlanc on 5/7/2014

If there was ever a time to purchase real estate it is now. A unique combination of circumstances makes buying a home a no-brainer. Here are five reasons why you should buy a home NOW...   1. Houses are more affordable 2. Historically low mortgage rates 3. Prices are stable 4. Home ownership is the path to independence and wealth 5. Owning a home gives you pride of ownership Call today to find out what homes are available in your price range or do a quick search to look for homes and create a profile on this site to save your favorites.