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Consider this: When to refinance?!

18 Monday Nov 2024

Posted by Jennifer Hanley in #HanleyHomeTeam, #HomeBuyer, #HomeOwner, #HomeSeller, #Jacksonville, #JacksonvilleFL, #KellerWilliams, #RealEstate, #Refinance

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#Refinance, Buying a home, credit card debt, credit score, home ownership, Home values, homes for sale in Jacksonville FL, interest rates, jacksonville area, Jacksonville FL Real Estate, Jacksonville Real Estate, mortgage professional, Pay off debt, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, refinance, The best real estate agent in Jacksonville

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Refinancing your mortgage is something most homeowners consider at least once throughout the lifespan of their home loan. While there are many good reasons to refinance, here are five common ones.

  • Paying off credit card or other debt that has recently accumulated
  • Using an improved credit score. Even if interest rates have not dropped in the market, if you’ve improved your credit score over the last few years, you may be able to reduce your mortgage rate.
  • Shortening the loan’s term. If interest rates are decreasing, there is a chance you may be able to get a shorter loan term with little to no change in your monthly payment, allowing you to pay off your loan sooner.
  • Switching from an adjustable rate to a fixed rate. If you chose an adjustable-rate mortgage with great introductory rates when you initially financed your home, that rate may increase significantly over the years. By switching to a fixed rate while interest rates are low, you can protect yourself from future increases.
  • Cashing out home equity. If there is a big purchase or payment on the horizon, such as funding a wedding or going back to school, your best option may be to use the equity you’ve built in your home to borrow money at a lower cost.

Give us a call today!  Kevin Hanley is now a mortgage professional with LoanPeople! NMLS 2639641 KevinHanleyJAX.com

Kevin and Jennifer Hanley, REALTORS Keller Williams Realty Atlantic Partners Southside 904-515-2479 http://www.HanleyHomeTeam.com

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9 Open House No-No’s

04 Thursday Feb 2021

Posted by Jennifer Hanley in Uncategorized

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jacksonville area, Jacksonville FL Real Estate, Jacksonville FL real estate agents, Jacksonville Real Estate, open house, real estate, real estate advice, real estate information, real estate jacksonville fl, Real Estate Team, real estate tips, The best real estate agent in Jacksonville, tips for open house

When buying a home, there may be no single event as important as the open house. Attending an open house gives you the opportunity to see, feel, and experience the home for yourself, far beyond what’s possible from looking at photos, taking digital tours, or driving by on a sunny afternoon. The open house is when you really get to find out whether you can see yourself living in the home or not. 

But if you want to get the most from an open house, there are some things to keep in mind (and some costly mistakes you’ll want to avoid). Not only is it possible to cost yourself money at an open house, but in some (rare) instances, a seller might not even entertain an offer based on somebody’s behavior at the open house. 

So if you want things to go smoothly, and want the best opportunity to buy your dream house, here are nine things you should never do at an open house: 

1. Keep your shoes on when you’ve been asked to take them off

No one likes to walk around without shoes on, especially in somebody else’s home. But as an open house guest, you need to respect the seller’s instructions. If you refuse, you might be asked to leave, and blow your chance at landing an accepted offer. 

2. Let your children roam around unattended 

Parenting is difficult, and bringing your kids along with you to an open house is understandable—after all, they’ll be living there too. But when touring an open house, make sure to keep an eye on your children, because, as we all know, they tend to get into things, and a packed home is full of all sorts of interesting items. A good rule of thumb is to just pretend that you’re at a museum. 

3. Loudly make negative comments about the house

We all have opinions, especially when it comes to a house that we’re considering paying hundreds of thousands of dollars for. But keep your negative opinions between you, your partner, and your agent, because if the seller’s agent overhears you, they might not only feel insulted, they’re likely to relay the comments to the seller, who might not take them too kindly if you put in an offer. 

4. Pry into the seller’s personal belongings 

Being allowed into someone’s home for an open house does not give you carte blanche to go through their personal stuff, no matter how intriguing it might be. Opening dresser drawers, touching clothing, pulling back bedding, and rifling through bookcases is a no-no, and violators are likely to be asked to leave. You’re there to see a property, not personal property. 

5. Overshare 

Unless you’re a trained spy, you probably don’t think too much about tempering your speech when chatting with strangers. But an open house is an exception, and you might want to consider what you’re revealing during conversations with (and around) seller’s agents. Even though talking about how much you’re pre-approved for, where your kids go to school, how desperately you need a new home, or that your lease is ending soon might seem harmless, it can put you in a poor position when you begin negotiations, so act accordingly. 

6. Make an offer

Even if you absolutely love the house and would be willing to give up a kidney for the chance to live there, you don’t want to make an offer during the open house. Not only would this be out of the norm, but it would also reveal your eagerness and put you in a position of weakness during negotiations. So even if you’re absolutely obsessed, take a deep breath, step outside, and regroup with your agent and your loved ones before making a decision. 

7. Spend too little time there (if you’re interested) 

There’s no need to spend hours at an open house, but if you walk in and walk right out, you might be doing yourself a disservice. To be sure, sometimes you know that it’s not a fit right away, but if you dolike it, there’s nothing wrong with spending some time looking around and taking in the details. At the very least, it might help you remember the little things that you’ll be thinking about once you start planning to move

8. Lie about your intentions 

Some people like to play games, but there’s really no upside to being disingenuous about your intentions during an open house (or after). Whether you’re just there to look, or are truly serious about making an offer, don’t present yourself otherwise. Not only is it bad form, but word can travel a lot quicker than you might think, and the next time you want to be taken seriously, you might not be. 

9. Show too much enthusiasm 

When we love a property, it can be difficult to contain our excitement, especially if we’re not used to playing our cards close to the chest. The open house, however, is one occasion when you’ll want to put on your poker face and play it cool. If you show too much enthusiasm, the seller’s agent (and therefore the seller) will know that you’ll do just about anything to get the house—and that’s not the position you want to be in. 

We are happy to attend an open house with you! Just reach out – Kevin and Jennifer Hanley, REALTORS 904-515-2479 HanleyHomeTeam.com The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside

The City Of Jacksonville’s 2019-2020 Preparedness Guide Is Now Available!

30 Friday Aug 2019

Posted by Jennifer Hanley in #HanleyHomeTeam, #HomeOwner, #HurricaneSeason, #Jacksonville, #JacksonvilleFL, #KellerWilliams

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advice, Hanley Home Team, Hurricane safety, jacksonville area, Jacksonville Real Estate, JaxReady

eye of the storm image from outer space

In an emergency, every second counts. Planning what to do before a disaster strikes provides the best protection for you and your family.

The 2019-2020 Emergency Preparedness Guide is your one-stop resource to help you and your family stay safe in a storm, fire, flood, tornado, or hurricane. This guide offers information regarding  what to do before, during, and after an emergency situation.

Plan ahead and don’t be caught unaware. Know the hazards, make a disaster plan with your family, and assemble an emergency supply kit. Take time now to learn more about designated shelters and identify your best sources for up-to-date emergency information.

Don’t just be ready, be JaxReady!

Read and download the guide.

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Brought to you by: Kevin and Jennifer Hanley, REALTORS Keller Williams Realty Atlantic Partners Southside 904-515-2479 http://www.HanleyHomeTeam.com

Consider this: When to refinance?!

23 Friday Aug 2019

Posted by Jennifer Hanley in #HanleyHomeTeam, #HomeBuyer, #HomeOwner, #HomeSeller, #Jacksonville, #JacksonvilleFL, #KellerWilliams, #RealEstate, #Refinance

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Tags

#Refinance, home ownership, Home values, interest rates, jacksonville area, Jacksonville Real Estate, real estate

person holding piggy bank

Photo by rawpixel.com on Pexels.com

Refinancing your mortgage is something most homeowners consider at least once throughout the lifespan of their home loan. It allows you to pay off your previous loan by applying for a new one that has better financial advantages. While there are many good reasons to refinance, here are five common ones.

  • Scoring a lower interest rate. The number one reason homeowners decide to refinance is to secure a lower interest rate on their mortgage. Not only does this save you money in the long run and decrease your monthly payment, but you can start building equity in your home sooner.
  • Using an improved credit score. Even if interest rates have not dropped in the market, if you’ve improved your credit score over the last few years, you may be able to reduce your mortgage rate.
  • Shortening the loan’s term. If interest rates are decreasing, there is a chance you may be able to get a shorter loan term with little to no change in your monthly payment, allowing you to pay off your loan sooner.
  • Switching from an adjustable rate to a fixed rate. If you chose an adjustable-rate mortgage with great introductory rates when you initially financed your home, that rate may increase significantly over the years. By switching to a fixed rate while interest rates are low, you can protect yourself from future increases.
  • Cashing out home equity. If there is a big purchase or payment on the horizon, such as funding a wedding or going back to school, your best option may be to use the equity you’ve built in your home to borrow money at a lower cost.

Give us a call today!  Kevin and Jennifer Hanley, REALTORS Keller Williams Realty Atlantic Partners Southside 904-515-2479 http://www.HanleyHomeTeam.com

abundance bank banking banknotes

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Hosting House Guests Like a Pro

16 Thursday Feb 2012

Posted by Jennifer Hanley in Uncategorized

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handy tips, jacksonville area, maps history, town guests

Hosting out of town guests soon? Going the extra mile when hosting out-of-town guests can be both affordable and reflect the charms of your town. Here are some handy tips I like to share with clients who have friends staying in the wonderful Jacksonville area.

For the guest room:

• Clear out a nice space for your guests items. Even a section of a closet or a dedicated set of shelves / drawers will help them feel welcome.

• Fresh flowers are a great way to make an average guest room seem like a little dose of “B&B” treatment.

• Provide local information on the nightstand; local maps, history, and points of interest are great ideas.

On arrival:

• Giving guests a spare set of keys and showing them how to use the alarm (if you have one) is a great way to make sure they can come and go as they please.

• People are often starving after a long day on the road! Have some food available as soon as your friends arrive.

• Let them know “what’s mine is yours” right away. Books, blankets, whatever they need. Don’t assume they’ll ask or feel comfortable with your possessions.

While they’re staying:

• Take them food shopping at a local specialty store. If they like to cook, plan to make a meal together. It can be intimate, relaxing, and affordable.

• Go beyond the tourist destinations! Show them “how locals do.”

• If they drink, offering a little “wind me down” cocktail at night is nice.

• If it doesn’t break the bank, find small, local souvenir you can send them home with.

By the way, we’d love to meet your house guests! They might just like Jacksonville so much, they’d consider moving here. If you’re out and about, give us a ring or drop us a line so we can meet! Contact us today: 904-422-7626 Kevin@HanleyHomeTeam.com

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