Hearthside Happenings

Which Down Payment Strategy is Right For You?

Trying to figure it out can be daunting.
Posted by Rebecca Nutt on January 28, 2019 in  buying a home  Coldwell Banker  Coldwell Banker Hearthside  coldwellbanker  mortgages
You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders. But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available.      ... read more
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5 Harmful Homeowner Habits to Break

Time to break these awful habits.
Posted by Rebecca Nutt on November 15, 2018 in  buying a home  Coldwell Banker Hearthside  coldwellbanker  home buying  realestate
Negotiation is a subtle art in real estate, but skilled negotiators can usually find some common ground that satisfies all parties. On the other hand, using the wrong negotiation tactics can sink a deal pretty quickly. Here are some negotiation tactics buyers (and real estate professionals) should avoid.Lowball OffersGoing far below market value when you make an offer damages your credibility as a buyer and can be insulting to the seller. The seller has a range in mind that they’ll accept, and if you&rsq... read more
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Memberships with Real Estate Benefits

Did you know being a member of USAA can earn you cash back after a real estate settlement?
Posted by Rebecca Nutt on November 12, 2018 in  buying a home  Coldwell Banker Hearthside  coldwellbanker  property  realestate  selling real estate
Real Estate is an industry that affects everyone.  It is a barometer for a good economy. So, with the spotlight on the real estate industry, there are plenty of fly-by-night companies trying to cash in by making promises that unfortunately are often not kept.  The reality is that there are many large, successful and ethical companies that have been in business and have been supporting consumers real estate services for years - some for decades - through good markets and bad.  How does this work? Many... read more
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The Broker, The Banker, and The Mortgage Lender

Oh my! Who do you choose?
Posted by Rebecca Nutt on September 13, 2018 in  buying a home  mortgages  real estate
Exploring options for a mortgage can be daunting. There are so many questions that we face.Who do you choose? Who can you trust? What's the best option? Chris Harding, Senior Loan Officer at Northeast Equitable Mortage, broke down the differences between a broker, a banker and a mortgage lender to make it easier for you to decipher. Let's take a look at his breakdown:  Mortgage BrokerA mortgage broker is a middle person or “matchmaker” who represents the mortgage loan products of man... read more
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July 2018 Market Update

The big question: Where is the market heading?
Posted by Rebecca Nutt on August 30, 2018 in  buying a home  marketupdate  selling real estate
The big question on everyone’s mind when they think about the current real estate market is, “What’s next?” The past few months were marked with fewer homes for sale and higher demand, which caused Sellers to push up their asking prices. Why? Well, because they could. And Buyers were answering, too. In June, we saw that the Average Sold Price was at its highest in some of the counties in the Delaware Valley. You can see the full report here. But will that trend continue? Let’s take a l... read more
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