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If you’ve been thinking about buying a home, you probably know what you want—an island kitchen, a big backyard, a finished basement. Scrolling through the perfectly staged pictures in online listings can fuel your dreams, but your home-buying journey begins once you get pre-approved for a home loan.
Home loan pre-approval is the process of figuring out what kind of mortgage you may be eligible for and how much money a lender is willing to let you borrow. It allows you to shop smarter, make stronger offers, and have a better shot at getting your dream home. Let’s look at some actions you can take to get your pre-approval letter in hand.
Know when to get pre-approved
The best time to get pre-approved is when you’re ready to start looking for a home. It usually takes a few days to a week to receive pre-approval, but it could take longer if you undergo an income audit or other holdups. If you wait until you’ve found the home of your dreams, it may be too late to get pre-approved in time to put an offer in.
However, remember that mortgage pre-approval offers come with an expiration date. Most last for 90 days, but some may expire more quickly. Your pre-approval letter will state exactly how long the offer is good for.
Determine your monthly budget
The most important part of any major purchase is making sure that you’ll actually be able to make the monthly payments. Before you start applying for pre-approval, crunch the numbers and decide how much you feel comfortable spending each month. You may find that some lenders will approve you for a higher monthly payment, but having a defined budget in mind will help you choose the best offer for your needs and situation.
Check your credit score
Mortgage pre-approval usually requires a hard inquiry into your credit history. Therefore, it’s in your best interest to check your credit before lenders do, in case some issues impact your chances of getting pre-approved. Disputing errors and working with creditors to resolve other issues can bump your score before you start reaching out to lenders. If you’re applying for a conventional mortgage, you’ll generally need a credit score of at least 620 to qualify. If your score is lower, that doesn’t necessarily mean that you can’t get pre-approval, but the higher your credit score, the lower your interest rate will be.
Calculate your debt-to-income ratio
Debt-to-income ratio (DTI) is the percentage of your gross monthly income that goes toward debt payments. That includes credit cards, student loans, car loans, etc.—and when you’re applying for pre-approval, it also includes the prospective mortgage payment. Lenders generally prefer borrowers with a DTI of 36% or lower. If your DTI is high enough to hurt your chances at pre-approval, you may need to take action to lower that number by refinancing, getting on an income-based repayment plan, or paying down debt more aggressively.
Collect any required documents
When you apply for pre-approval, your lender will be taking a comprehensive look at your financial situation. You should be prepared to provide the following documentation:
Depending on your situation, you may also need:
Shop around for a lender
These days, you aren’t limited to your local bank—you can shop for mortgage pre-approval online or in-person, and there’s no shortage of convenient options. Every lender has different guidelines and interest rate options, so comparing offers from multiple lenders can help you get the best deal possible. As we mentioned above, applying for pre-approval requires a hard credit inquiry, so your credit score may take a slight hit. However, if you submit all your applications within the same window of time (shoot for 14 days), your credit score will only get dinged once.
Choose a lender
Once you’ve made an offer on your dream home, it’s time to get official loan estimates from your list of pre-approved lenders. The lender should provide the estimate within three business days of receiving your application. It will include estimates for your monthly payment, interest rate, closing costs, and taxes and insurance, as well as details on how the loan works. (Keep in mind that if your financial situation has changed since you applied, your offer may also change.) Now you can compare estimates from different lenders and choose the best fit for your needs.
Mortgage pre-approval is a great first step to buying a home. Getting pre-approved gives you a clear idea of how much you can afford, as well as allows you time to correct your credit (if necessary) before actually taking on a loan. But perhaps most importantly, coming to the table with pre-approval shows that you’re serious about buying a home, helping you stand out from the crowd in a sea of prospective buyers.
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to list and sell your distinctive property successfully.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT-FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Broker’s Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
Renting or buying is one of the most common decisions people struggle to make when finding a new place to call home.
Aside from the sense of pride and accomplishment that comes with becoming a homeowner, many other reasons make buying the apparent choice.
But before we dive in, we know that buying a home comes at a cost that may seem out of reach to some. Therefore, we always encourage you to consult with an expert to find out your options.
Here are five of our best reasons to buy instead of rent.
#1. Your House, Your Choice
A lot of freedom comes with homeownership – like the freedom to do as you please within your own walls. Want to knock out the island in the kitchen to free up space for you and your family? Or paint over that awful-colored wallpaper plastered across the walls of the primary bath? You can do it. You can change anything you’d like, and you don’t have to ask permission from a landlord. Just be sure to keep building codes in mind for the more extreme projects.
Painting, remodeling, or adding on is all under your control, allowing you to turn your home into everything you want it to be.
#2. Say Goodbye to the Hassles of Apartment Life
If you’re familiar with apartment life, you know it doesn’t come without these frustrations.
Less Privacy: One of the biggest frustrations about living in an apartment is sharing walls with strangers. Hearing their favorite Netflix show or private conversations isn’t exactly the background noise you want when you’re trying to relax in the living room after a long day at work.
Parking: When living in an apartment, you are left with two main options for parking, street parking or a paid spot – and are we really sure of the better choice? Street parking, depending on where you live, can be a safety hazard as well as an inconvenience, and paying for a parking spot is just another charge to tack on the list, along with rent, utilities, electricity, and WiFi. Owning your own home makes parking one less thing to worry about.
Pet Fees: Having pets can limit your living opportunities if you rent an apartment. Some landlords will even ban pets, but others charge fees anywhere from $10-200 monthly. Owning your own home removes this, allowing you to welcome as many pets as possible.
Say goodbye to the hassles of apartment living when you buy instead of rent.
#3. Reap Tax Benefits
As discussed in our previous blog post, there are so many tax benefits to take advantage of when you become a homeowner. To name a few…
Mortgage Interest
Home Equity Loan Interest
Property Taxes
Discount Points
Mortgage Insurance (PMI)
Necessary Home Improvements
Home Office Expenses
These deductions can save you thousands of dollars when all is said and done.
#4. It’s Cheaper Long-Term
It’s no secret that the price of renting has increased across the nation at a fast pace. Last year, the average percentage increase in rent was 12.2% for new tenants and 3.5% for tenants making a lease renewal, according to the US Bureau of Labor Statistics.
One of the many benefits of becoming a homeowner is that your monthly mortgage payment won’t change {assuming you’ve chosen a fixed-rate mortgage).
Think of it this way. Each month as a renter, you are handing over your payment with nothing to show for it when you move out. But as a buyer, you are putting money on your mortgage in hopes of paying it off – thus building equity – and eventually even selling it for a profit someday.
#5. Settle Down with Peace of Mind
Aside from being able to make decisions about the appearance of your home and what you do with it – there is a sense of security that comes with being your own landlord. When you are renting, there is always the chance your landlord will choose not to extend your lease for many reasons, like selling the property or other circumstances, leaving you searching for a new place to call home. Owning a home makes it yours and offers the peace of mind you may not always feel as a renter.
We hope this blog post helped provide you with some of the very best reasons to buy a home. If you are looking for a real estate agent to help make your house-hunting experience a seamless and exciting one, don’t hesitate to contact . We look forward to helping you meet your real estate needs.
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to list and sell your distinctive property successfully.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT-FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Broker’s Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to list and sell your distinctive property successfully.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT-FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Broker’s Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to list and sell your distinctive property successfully.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT-FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Broker’s Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to successfully list and sell your distinctive property.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Brokers Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
Denise Laugesen
Luxury Consultant
deniselaugesenteam@gmail.com
Direct: 650.403.6225
Cell: 650.465.5742
www.thelaugesenteam.com
DRE: # 01011089
Cortney Laugesen
Luxury Consultant
cortneylaug@gmail.com
Direct: 650.403.6226
Cell: 650.678.5084
www.thelaugesenteam.com
DRE: # 01859860
Of course, the food is the main event on Thanksgiving, but when your extended crew gets together for the holiday you’re going to want to find some fun things to together to pass the hours until it’s time to carve the turkey and pass the pumpkin pie. When the shops aren’t open and there’s nowhere to go, watching the Macy’s Thanksgiving Day parade in NYC or hosting a friendly game of touch football are classic Thanksgiving Day activities. But if you’re looking to start a new Thanksgiving tradition this year, we’ve compiled a list of special things to do on Turkey Day that the whole family will love. Adults, preschoolers, and high school students alike will love these Thanksgiving games and activities that can be enjoyed before or after Thanksgiving dinner. Because on occasions when there is built-in entertainment, the laughs seem louder and the memories more plentiful. But even if your family isn’t into elaborate themes, there’s something fun to do on this list that will make Thanksgiving 2020 the most fun one yet.
On Easter, coming up with genius places to hide the eggs before the hunt is as fun for adults as finding the eggs is for kids. Same deal here, just using mini pumpkins instead of plastic eggs.
Looking for experienced, knowledgeable and trustworthy representation in the purchase of a luxury property?
Contact us today to start your successful home buying process with The Laugesen Team.
Performance driven, insightful with a proven ability to achieve and exceed goals in high pressure environments.
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to successfully list and sell your distinctive property.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Brokers Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
Denise Laugesen
Luxury Consultant
deniselaugesenteam@gmail.com
Cell: 650.465.5742
www.thelaugesenteam.com
DRE: # 01011089
Cortney Laugesen
Luxury Consultant
cortneylaug@gmail.com
Cell: 650.678.5084
www.thelaugesenteam.com
DRE: # 01859860
#LuxuryRealEstate #BuyWithTheLaugesenTeam
🏠 EXPERT TIPS FOR BUYING A LUXURY HOME 🏠
1. Learn the search process.
Many luxury homes go unlisted to protect a seller’s privacy. These properties are often found through the Realtor’s personal connections as opposed to the MLS.
2. Go beyond the photos.
Make sure you don’t dismiss properties based on their front elevation photos. Many large homes aren’t photogenic that way and you have to see them in person to appreciate.
3. Work with a local expert.
It’s critical to have a great luxury buyer agent who is familiar with the area you want to buy in. There’s a bit more control on access to high-end properties in terms of fewer open houses and more appointments have to be made to see them.
4. Bank on your relationships.
We strongly recommend you go to the bank you have a relationship with. They have your portfolio already. Also, know the difference between the pre-approval letter and the prequalification letter.
5. Don’t forget about title insurance.
You need to get title insurance so you’ll be insured against any problems that were forgotten about. You want to make sure you have a chance to have a look at the exceptions page of the title insurance process before closing time.
6. Hire smart, reliable advisers.
A good Luxury Realtor will not make the client’s decisions but will make suggestions. Pay attention to your financial planner and Realtor that you trust. They should agree on what you should be doing and if they don’t, arrange a meeting.
7. Know what you want before you start looking
While you will be working with a good team in making the move to your new luxury home, this does not negate the fact that the choice of home is completely yours. The house must be a good fit for you and your family.
🏠 Looking for experienced, knowledgeable and trustworthy representation in the purchase of a luxury property? 🏠
Contact us today to start your successful home buying process with The Laugesen Team.
Performance driven, insightful with a proven ability to achieve and exceed goals in high pressure environments.
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to successfully list and sell your distinctive property.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Brokers Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
Denise Laugesen
Luxury Consultant
deniselaugesenteam@gmail.com
Direct: 650.403.6225
Cell: 650.465.5742
www.thelaugesenteam.com
DRE: # 01011089
Cortney Laugesen
Luxury Consultant
cortneylaug@gmail.com
Direct: 650.403.6226
Cell: 650.678.5084
www.thelaugesenteam.com
DRE: # 01859860
© 2020 #iBAMNRE
💰 How Pricing Your LUXURY Home Right Makes a Big Difference 💰
Even though there’s a big buyer demand for homes in today’s low inventory market, it doesn’t mean you should price your home as high as the sky when you’re ready to sell. Here’s why making sure you price it right is key to driving the best price for the sale.
If you’ve ever watched the show “The Price Is Right,” you know the only way to win the game is to be the one to correctly guess the price of the item up for bid without going over. That means your guess must be just slightly under the retail price.
When it comes to pricing your home, setting it at or slightly below market value will increase the visibility of your listing and drive more buyers your way. This strategy actually increases the number of buyers who will see your home in their search process. Why? When potential buyers look at your listing and see a great price for a fantastic home, they’re probably going to want to take a closer look. This means more buyers are going to be excited about your house and more apt to make an offer.
When this happens, you’re more likely to set up a scenario with multiple offers, potential bidding wars, and the ability to drive a higher final sale price. At the end of the day, even when inventory is tight, pricing it right – or pricing it to sell immediately – makes a big difference.
Here’s the other thing: homeowners who make the mistake of overpricing their homes will eventually have to lower the prices anyway after they sit on the market for an extended period of time. This leaves buyers wondering if the price drops were caused by something wrong with these homes when in reality, nothing was wrong, the initial prices were just too high.
Bottom Line:
If you’re thinking about selling your home this year, make sure you have THE LAUGESEN TEAM on your side to help you properly price your home and maximize demand from the start.
3 Properties Priced Right By The Laugesen Team
SOLD – $5,250,000
SOLD – $4,300,000
SOLD – $4,208,000
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to successfully list and sell your distinctive property.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Brokers Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
Denise Laugesen
Luxury Consultant
deniselaugesenteam@gmail.com
Direct: 650.403.6225
Cell: 650.465.5742
www.thelaugesenteam.com
DRE: # 01011089
Cortney Laugesen
Luxury Consultant
cortneylaug@gmail.com
Direct: 650.403.6226
Cell: 650.678.5084
www.thelaugesenteam.com
DRE: # 01859860
© 2020 #iBAMNRE
💚 VALENTINE’S DAY: #SFBayArea Dining & Event Guide 2020 💚
BAY AREA, CA — It’s that time of year to wear your heart on your sleeve! Valentine’s Day 2020 falls on Friday, Feb. 14, and it’s time to start planning.
BARRELHOUSE, 305 California Drive, Burlingame, CA
Feb. 16: Valentine Speed Dating. “If you didn’t have someone to celebrate this year’s Valentines Day, here’s your chance to make up for it! Meet new single friends, five minutes at a time, at a fun restaurant. Three different sessions.”
PENINSULA BALLET THEATER, 1880 South Grant St., San Mateo, CA
Feb. 14-16: CABARET: Love Songs By Peninsula Ballet Theater. “CABARET: Love Songs sizzles with passion and drama this season! By popular demand, Artistic Director Greg Amato’s fiery ‘Carmen’ returns in an expanded version with new dances. In addition, Ron Cunningham, former Artistic Director of Sacramento Ballet for 30 years, stages his critically acclaimed ‘Incident at Blackbriar,’ a dark, moody exploration of relationships. Ticket price includes wine and hors d’oeuvres, as well as a post-show meet-and-greet reception with Company dancers.”
BOON FLY CAFE, 4048 Sonoma Hwy., Napa, CA 94559
Enjoy a romantic dinner at this picturesque and relaxed roadside eatery Friday, Feb. 14 or Saturday, Feb. 15. A three-course menu, courtesy of Chef de Cuisine Nicole Heaney, begins with a seasonal starter, followed by an entrée for two and dessert to share.
HOTEL VALENCIA’S TERRACE, 355 Santana Row, San Jose, CA 95128
Fondue For Two: Throughout the month of February, Hotel Valencia’s Terrace will offer a “Fondue For Two” experience. For $21 per person, receive a glass of sparkling wine and assorted fruits and desserts for dipping in delectable melted chocolate.
HOTEL ZEPPELIN, 545 Post St., San Francisco, CA, 94102
Feb. 14: Valentine’s Day Singles’ Trivia Night with Brainstorm Trivia. “In celebration of Valentine’s Day, Hotel Zeppelin will be hosting a Singles’ Night ‘Quiz Dates’ event with Brainstormer Trivia, where players will have a chance to compete for glory, prizes, friendship and possible romance!”
SILVERADO RESORT & SPA, 1600 Atlas Peak Road, Napa, CA
Feb. 14: Valentine’s Day In The Grill. “Silverado Resort will be hosting a festive menu where you can bring your special someone and treat them to exceptional food.”
IF YOU ARE THINKING ABOUT SELLING your Bay Area property, it is important you hire a real estate team of professionals with an extensive portfolio of home sales, a significant list of happy clients and a history of excellence.
The Laugesen Team has the experience, connections and creativity to successfully list and sell your distinctive property.
OUR INNOVATIVE AND PERSONALIZED APPROACH
• Pricing for Success
• Prepare for Top Sale
• Impressive Marketing
• State of the Art Technology
• Network with other High-End Agents
OUR RESULT FOCUSED SERVICE
• Always available to show qualified buyers and agents.
• Schedule Open Houses and Brokers Tour
• Follow-Up Quickly and Consistently
• Immediately respond to all leads.
• Encourage serious buyers to make serious offers.
• Facilitate the closing process to ensure a successful, competitively priced, stress-free sale.
Denise Laugesen
Luxury Consultant
deniselaugesenteam@gmail.com
Direct: 650.403.6225
Cell: 650.465.5742
www.thelaugesenteam.com
DRE: # 01011089
Cortney Laugesen
Luxury Consultant
cortneylaug@gmail.com
Direct: 650.403.6226
Cell: 650.678.5084
www.thelaugesenteam.com
DRE: # 01859860
© 2020 #iBAMNRE
LUXURY REAL ESTATE AGENTS