Tis the Season… to Boost Your Home’s Curb Appeal

Spring in the Midwest is the perfect time to boost your home’s curb appeal in ways that will last all year long.

If you are thinking of selling your home, you should know the importance of curb appeal to buyers. According to the National Association of Realtors, 63% of homebuyers will drop by after viewing your home online. The exterior, including the front entry, yard, driveway and sidewalk, will serve as a snapshot of what’s to see inside.

Homes with high curb appeal command higher prices and take less time to sell. But even if you are not currently thinking of selling your home, the following maintenance and beautifying tasks will help create the home you’d like to live with anyway. 

Wash Up

A bucket of soapy water and a long-handled, soft-bristled brush can remove the dust and dirt that have splashed onto your wood, vinyl, metal, stucco, brick, and fiber cement siding. Power washers can reveal the true color of your flagstone walkways. Wash your windows inside and out, swipe cobwebs from eaves, and hose down downspouts. Don’t forget to wash the garage door. 

Touch Up the Paint

The most commonly offered curb appeal advice from real estate pros and appraisers is to give the exterior of your home a good paint job (if not maintenance free). Your best bet is to match the paint you already have: Scrape off a little and ask your local paint store to match it. 

Check the Roof

The condition of your roof is one of the first things buyers notice and appraisers assess. Missing, curled, or faded shingles add nothing to the look or value of your house. If your neighbors have maintained or replaced their roofs, yours will look especially shabby. 

Manicure the Yard

A well-manicured lawn, fresh mulch, and pruned shrubs boost the curb appeal of any home. Replace overgrown bushes with leafy plants and colorful annuals. Surround bushes and trees with a little mulch. Put a crisp edge on garden beds, pull weeds and invasive vines, and plant a few potted flowers. Green up your grass with lawn food and water. Cover bare spots with seeds and sod, get rid of crab grass, and mow regularly. 

Add Color

Even a little color attracts and pleases the eye of would-be buyers. Dig a flowerbed by the mailbox and plant some pansies. Place a brightly colored bench or Adirondack chair on the front porch. Paint the front door a complimentary color. 

Maintenance

Nothing looks scarier from the curb than hanging gutters, missing bricks from the front steps, or peeling paint. Not only can these deferred maintenance items damage your home, but they can decrease the value of your house by up to 10%. Be sure to refasten sagging gutters, re-point bricks that have lost their mortar, reseal cracked asphalt, straighten shutters and replace any cracked windows. 

List

Once you have your home exterior spruced up and beautified, sit back, relax and enjoy it – then call The Boehmer Team when you are ready to list it.  We make the process of selling your home easier than the process of getting it ready for sale. Contact us at www.TheBoehmerTeam.com

 

How to Understand and Improve Your Credit Score

Do you know your current FICO score? FICO scores are the credit scores lenders most often use to determine your credit risk. You have a credit score with each of the credit bureaus - Experian, TransUnion, and Equifax. Check each company’s credit report for errors. If you find any, dispute them directly with the relevant credit bureau.

So what determines your credit score? Five components of your credit habits determine your credit score. Improving payment history and amounts owed will have the most dramatic effect on your credit score. Also length of credit, new credit and types of credit used all need attention to help you reach your long-term financial goals.

Payment History

Lenders award better credit scores to consumers with a responsible payment record. Did you know that Late payments stay on your record for seven years?

Do your best to pay bills on time. Try using payment reminders to meet your monthly due dates or, even better, setting up automatic payments. If for some reason you do miss a payment, catch up as soon as you can. The longer your record of on-time payments after a late payment, the more your credit score should improve.

Amounts Owed

Low credit card balances and ample available credit show lenders that your debt is under control. So reducing your outstanding debt is the quickest way to improve your score. A good tip is to pay as much as possible on your highest interest rate accounts first while keeping up at least minimum payments on the rest of your accounts.

Length of Credit History and Types of Credit Used

Lenders prefer consumers with an established credit history. If you don’t currently have any credit, start now.

Good types of credit to use include credit cards and installment loans. Build a good history by opening a credit card and making small purchases and timely payments.

New Credit

Avoid opening too many new accounts too quickly as this will lower the average age of your credit history and hurt your score. Managing new credit responsibly can improve your score. However don't open unnecessary accounts just to boost your score as it's unlikely to have the desired effect.

Check Your Credit Report Yearly

Set a reminder to check your credit report once a year. Once yearly you can request a free copy of your credit report from all three credit bureaus by going to www.annualcreditreport.com.

The Boehmer Team

If you need assistance finding a great mortgage loan officer for getting home financing, The Boehmer Team can help. We can recommend names of experienced industry professionals that have given top-notch service to our clients. To contact us visit www.TheBoehmerTeam.com.