Rachel Hillman Foy - Hillman Homes



Posted by Rachel Hillman Foy on 7/18/2018

Getting pre-approved for a mortgage may prove to be a long, arduous process if you are not careful. Fortunately, homebuyers who plan ahead should have no trouble obtaining a mortgage so they can enter the housing market with a budget in hand.

Ultimately, there are many questions to consider as you assess your mortgage options, and these questions include:

1. What type of mortgage should I get?

The two most common types of mortgages are adjustable- and fixed-rate varieties. If you understand the differences between these mortgage options, you can make an informed mortgage decision.

An adjustable-rate mortgage generally features a lower initial interest rate than a fixed-rate option. However, after a set amount of time, an adjustable-rate mortgage's interest rate will increase.

Comparatively, a fixed-rate mortgage has an interest rate that will remain intact for the life of your mortgage. This means you will pay the same amount each month until your mortgage is paid in full.

When it comes to deciding between an adjustable- and fixed-rate mortgage, it pays to look at the pros and cons of both options. Remember, no two homebuyers are exactly alike, and a mortgage that works well for one buyer may not work well for another. But if you evaluate adjustable- and fixed-rate mortgages closely, you can make the best-possible decision.

2. What differentiates an ordinary lender from an outstanding one?

There is no need to settle for an "ordinary" lender as you pursue mortgage options. Instead, you should seek out an exceptional lender that goes above and beyond the call of duty to assist you.

Typically, an outstanding lender employs mortgage specialists who are ready to respond to any concerns or questions. These specialists can help you evaluate a broad array of mortgage options and decide which mortgage best suits your individual needs.

Don't be afraid to meet with several banks and credit unions, either. This will allow you to assess many lenders and select one that matches or exceeds your expectations.

3. Which mortgage should I select?

There is no one-size-fits-all mortgage that works well for all homebuyers, at all times. As such, you should conduct plenty of research as you explore your mortgage options. This research will enable you to analyze assorted mortgages and lenders and make the optimal choices.

Once you have a mortgage, you can move one step closer to acquiring your dream house. And if you collaborate with a real estate agent, you can receive expert support at each stage of the homebuying journey.

A real estate agent is a must-have for any homebuyer, regardless of the current housing market's conditions. This housing market professional can teach you everything you need to know about buying a house. Also, he or she can help you examine a vast collection of available houses.

Ready to kick off a house search? Get pre-approved for a mortgage, and you can enter the housing market with a homebuying budget at your disposal.




Tags: Buying a home   Mortgage  
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Posted by Rachel Hillman Foy on 7/11/2018

A home inspection is one of the final stages of the property buying journey. If an inspection goes according to plan, a buyer may be able to seamlessly close on his or her dream residence. On the other hand, if problems are discovered during a house inspection, these issues may slow down or stop a home sale.

For property buyers, it helps to plan ahead for a home inspection as much as possible. Thankfully, we're here to help you do just that.

Now, let's take a look at three things that every buyer needs to know about home inspections.

1. A home inspection typically is performed after a seller accepts a buyer's offer to purchase.

With a home inspection, a buyer can review a house with a property expert and identify any underlying problems. If a buyer finds problems during an inspection, this individual can rescind his or her offer to purchase, modify the offer or move forward with a home purchase.

It typically helps to hire a highly qualified and experienced home inspector. By having a skilled home inspector at your side, you can gain the insights you need to determine whether a house is right for you.

2. A buyer is not required to go to a home inspection, but it generally is a good idea to attend.

Usually, a buyer, his or her real estate agent and a home inspector will walk through a house together during an inspection. It also is important to note that a buyer is not required to go to an inspection, but in most cases, it is a good idea for a buyer to attend.

A buyer who attends a home inspection may be able to receive home insights that he or she won't necessarily find in a house inspection report. As such, this buyer can obtain the house insights that he or she needs to make an informed homebuying decision.

3. A home inspection may require several hours to complete.

There is no time limit for a house inspection, but an average home inspection takes several hours to complete. After the inspection is finished, a property inspector will prepare a report that details his or her findings and provide it to a buyer within a few days. Then, a buyer will need to review the report and determine how to proceed.

As a buyer gets ready to enter the housing market, and eventually, perform a home inspection, it helps to hire a friendly, knowledgeable real estate agent. This housing market professional can help a buyer find the right home, submit a competitive offer to purchase and conduct an in-depth home inspection. And after a buyer completes a successful home inspection, a real estate agent will help this individual navigate the final stages of the property buying journey.

Simplify the homebuying process Ė employ a real estate agent, and you can get the help you need to locate and purchase your ideal residence.




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Posted by Rachel Hillman Foy on 7/4/2018

Many people consider building some type of outdoor space to add to their home. Thereís nothing better than being able to enjoy nature right from the comfort of your own home. The outdoors become an extension of your home when you build these spaces. A deck is one of the simplest ways that you can add something to the house and be able to make use of outdoor spaces at the same time. The important thing to know is that a deck is an investment. Before you decide to add a deck to your home, youíll need a budget in place as you donít want any home improvement project to become financially overwhelming. With that budget, keep the returns you could make along the way in mind


Curb Appeal


Really, adding a deck to a home is about buyer appeal. It probably goes without saying that a deck is something that can add a lot to a home and add to the overall value of your home in the case that you are looking to sell it in the near future. The best improvements that you can make to a home are in fact those that add value. Itís estimated that the return youíll get on building a deck is about 65-90%. The bottom line is that the investment of building a deck does add to both the monetary value and the pleasure of a owning home.    


Consider The Area You Live In


Obviously the region or state that you live in has a big impact on just how much value a deck can add to a home. Especially in nicer climates, a deck will be great for just about any neighborhood. In regards to area, you should also think of the construction costs. Some areas will be more expensive than others to build in, but the overall investment could be worth it for the region.


How Will You Build It


The amount of return that you get from a deck depends upon how you build it. If youíre a DIY homeowner, youíll get the most return by far. If you hire a contractor, the return will be less, but you may avoid hiccups in the building of the deck itself. The more complicated you make the deck, the more it will cost. These extras donít necessarily mean that youíll get as much of a return as youíd expect. 


Focus On Your Needs


No matter what you decide, building a deck has to match your own personal preferences. You want to make the most use out of your new space with you and your family. Build a deck that works for you. Even if your goal is to add value to your home, you donít want to undertake a project that you donít love in the end. Keep all of this in mind when you build your deck, or any other outdoor space in your home and youíll be able to enjoy your home in bliss.              







Posted by Rachel Hillman Foy on 6/30/2018

OPEN HOUSE Sunday July 1st, 11:30-1:30. Gorgeous and modern 2005 townhouse set back from street with over 2300 sq ft of living space. The first floor features 9 foot ceilings, gleaming hardwood floors and an open floor plan that is perfect for entertaining. Pretty gas fireplace in the living room opens to the dining area, with access to a private & fenced outdoor space that was professionally designed in 2016 with blue stone patio. The modern kitchen features maple cabinets, granite counters and 2017 stainless Kitchenaid appliances. Large bedrooms with plenty of closets. The master bedrooms contains a private bathroom with jacuzzi tub. Huge finished basement with custom Elfa office area. Additional amenities: new 2017 high efficiency Carrier gas furnaces, 2 zones of heat/central air, 2nd floor laundry, and garage parking. Amazing location walking distance to public schools, great restaurants and shops.

More Info on this Property | New Listing Alerts




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Posted by Rachel Hillman Foy on 6/28/2018

OPEN HOUSE Sunday July 1st, 11:30-1:30. Gorgeous and modern 2005 townhouse set back from street with over 2300 sq ft of living space. The first floor features 9 foot ceilings, gleaming hardwood floors and an open floor plan that is perfect for entertaining. Pretty gas fireplace in the living room opens to the dining area, with access to a private & fenced outdoor space that was professionally designed in 2016 with blue stone patio. The modern kitchen features maple cabinets, granite counters and 2017 stainless Kitchenaid appliances. Large bedrooms with plenty of closets. The master bedrooms contains a private bathroom with jacuzzi tub. Huge finished basement with custom Elfa office area. Additional amenities: new 2017 high efficiency Carrier gas furnaces, 2 zones of heat/central air, 2nd floor laundry, and garage parking. Amazing location walking distance to public schools, great restaurants and shops.

More Info on this Property | New Listing Alerts




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Rachel Hillman Foy