Selfcare Before Holidays
Easing into the Holiday Season with mindful selfcare to make the holidays merrier and brighter for others and ourselves too;-)
Think of October as your personal recharge month. Use this time to reflect on the year so far and plan for the busy months ahead. Start with simple self-care practices: Enjoy quiet moments with a good book, take leisurely walks to admire the fall colors or indulge in a hobby you love. These small acts of self-kindness can help replenish your energy and provide a sense of calm.
Planning early for the holidays can also alleviate stress. Making a list of to-do tasks — such as gift shopping, meal planning and organizing gatherings — spreading them out over the next few weeks and tackling these tasks gradually will make the process more enjoyable.
Taking care of yourself now ensures you can fully embrace the holiday spirit when it arrives. Prioritize your well-being this October and approach the upcoming season with a renewed sense of peace and joy.
Thinking about it now, which self-care rituals will you do during the fall season to help you recharge and prepare for the holidays? I’d love to hear your thoughts and maybe even get some new ideas to share with others!
Seasonal Shift
Autumn is most beloved for its breathtaking foliage, soothing warm scents and much needed almost-end-of-the-year family and friends gatherings. It is an equally wonderful time to purchase or sell real estate. Read more to find out why.
As autumn arrives, the real estate market shifts into its serious phase. Gone are the casual lookers; now, buyers and sellers engage with clear intent. Whether you know a home buyer or seller, this is the moment to shine. A clear purpose drives those who are entering the real estate scene in the months of October, November and December.
For sellers, it’s the chance to showcase a home to motivated individuals who are ready to make a move. With the activities of summer behind them, potential buyers are fully committed to their home search. Your listing won’t drown in a sea of options; it’ll stand out as a genuine contender for those who are eagerly seeking a new abode.
Buyers, get ready for a treat. With fewer properties on the market compared to the bustling spring and summer, your choices are focused and streamlined. The homes you encounter will have owners who mean business—they’re diving into the market, not just dipping their toes. This heightened seriousness means smooth negotiations, purposeful decisions and an overall streamlined process.
The next time you are talking with a friend or neighbor who is serious about moving, call Sunflower Peak Estates immediately. Together, we’ll make sure they fall in love with their next home.
Big Mistakes Buyers Make And How to Avoid Them
Mistake #1 - Not knowing how much they can afford before they make an offer.
The easiest way to avoid this mistake is to get pre-approved for a mortgage by a Lender so you know in advance exactly how much you can afford.
Most pre-approvals are free and it will give you a basis to make a more informed purchasing decision when you find the house you like.
Mistake #2 - Not realizing that the wrong mortgage can cost thousands of dollars in needless interest and taxes.
Check with your accountant before you make your final decision on which mortgage you're going to choose. Your CPA can tell you what the long-term effects will be on your income, your taxes, and the equity you build in your home over time.
Most people aren't aware that with a standard 30year mortgage they'll be paying two-and-a-half times the amount of the mortgage in payments. With some advance planning and a simple strategy, they can cut the amount of interest they pay dramatically and own their homes sooner.
Mistake #3 - Not realizing in advance whom the real estate consultant represents.
Most people think that the agent they're working with is working for them. But unless they're working as your buyer representative, they represent the seller. There are different types of agency relationships you can have with a Realtor, so make sure you're clear on your options.
Mistake #4 - Not discovering hidden defects before they buy a home.
One of the most expensive mistakes is also one of the easiest to avoid, by having a professional pre-purchase home inspection. Don't get stuck with a money pit. The cost of a professional home inspection is usually a few hundred dollars, but the peace of mind it can give you and the expense you can avoid are worth thousands of dollars.
Mistake #5 - Not knowing how much their credit can affect their ability to buy or refinance a home.
Before you buy a home, many of the clouds on your credit history can be cleared up or even eliminated. Your mortgage professional can help you review and prepare your credit file in advance.
Annual Equity Analysis
In our ever-changing world, it's critical to keep up-to-date while ensuring we are looking out for what's best in the long run. To do so, we answer these 5 crucial questions:
1. What homes/properties near you have sold for and how does this impact you today?
2. What new tax laws give you deductions or credits on home/property improvements?
3. What's happening in your neighborhood that will impact the value of your home/property?
4. What changes have occurred in your life that will alter your goals over the next 5 years, and how to prepare now and take full advantage of them?
5. What's occurring with your current mortgage and what new possibilities would benefit you now?
The next time you are in conversation with a loved one who is talking about their home/property value, remember the future belongs to the person who prepares. I'll be there to help.