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The Legend of St. Joseph and Home Selling Success!

by Jane Fischer and Associates

You are ready to Sell your Mason City IA! The best way to ensure home selling success is to work with the Top Realtor Mason City IA! But, what else can you do to help get a quick, winning offer from buyers?

 

Whether or not you are religious, you have probably heard about the legend of St. Joseph. Realtors and home sellers across the country swear by this time honored tradition for home selling success. St. Joseph was the earthly father of Jesus. He become a patron saint because he taught his son the craftsman’s trade and always ensured that Jesus had a home. The tradition of burying devotionals to him began in the 16th century when European nuns buried medals for him at their convent in order to expand their lands. It has evolved over history to the present custom of burying statues of St. Joseph when families are looking to sell their home (Source: St-Josephstatue). No matter the religious affiliations of the home sellers, the burying of St. Joseph statues has become a common practice and has often brought success to the people who utilize it.


Guidelines for Using St. Joseph for a Successful Home Sale

1. Bury St. Joseph in Your Yard!

Once you have purchased your St. Joseph home sale kit (which can be found at religious stores or online), it is time to bury him in the yard of the home you are selling. The most common method is to place him in a protective covering (i.e. cloth or bag) and bury him upside down in your front yard. He should be facing your home. This placement is believed to have the most assurance that St. Joseph will work hard to help sell your home. If you live in a condo or do not have a large front yard, you can bury St. Joseph in a flower pot near your front door.


2. Say A Prayer to St. Joseph!

Whether or not you are a practicing Catholic, part of the St. Joseph tradition is saying a prayer for his help with your home sale. The majority of St. Joseph home sale kits include a prayer card so you will know exactly what to say.


3. Thank St. Joseph When You Get an Offer!

Congrats! You have closed on your home. Now is the time to show your graditude to St. Joseph. Dig him up from your yard (or flower pot) and bring him with you to your new home. Put him somewhere in a place of honor in the new space to remind you of this new chapter in your life.


We would like to thank St. Joseph for his assistance in helping home sellers throughout the years! Ensure home selling success by working with the Top Realtor Mason City IA and St. Joseph! We will help you sell your home for top dollar and quickly this spring! Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

Sealing the Deal During the Closing Process

by Jane Fischer and Associates

MAY: The Best Month to Sell Your North Iowa Home!

by Jane Fischer and Associates

 

Looking for the best time to sell your North Iowa home? Well the time is now! This study by ATTOM Data Solutions found that May and June are the optimal times nationwide to sell you home. These two months see a net average of 5.9% and 5.8% above market value, respectivally, for sellers! Although the data was for homes nationwide, the breakdown by states showed that May is the best month for sellers within Iowa. Set yourself up for getting the best price on your home and selling it within an average of 30 days (according to the National Association of Realtors) when you list in May!

 

 

Work with the Top Realtor Mason City IA to learn about the market conditions in North Iowa and help you find buyers that would love your home! We will help sell your home quickly and for top dollar this May! Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.


10 Reasons to Work with a Real Estate Agent!

by Jane Fischer and Associates

In today’s blog post, we are going to discuss the top reasons why you should hire a real estate agent. Buying a home is an important financial decision. You want to make sure that you are making the best choices throughout the process and are well informed. While some buyers choose to forego using a realtor when buying a new home, it is in your best interest to work with a professional in the field. They are there to help you in every way that they can. Here are 10 reasons why you should work with the Top Realtor Mason City IA to buy your dream home in Mason City IA!


1. Knowledge & Experience. Buying a home is a lot more than just finding the right property and signing the contract. There are a lot of technical aspects involved. Although you could try to make yourself more knowledagable about the process (which is still not a bad idea), why not hire some one you has dedicated their education and experience to understanding the industry and specifics of the field.

 

2. Filter. There is a lot of information out there. Some of it is valid and some of it is spam. An agent will work with you to help understand your wants and needs and can filter out all of those properties that do not fit within them. This saves you time and frustration.

 

3. Local Knowledge. Realtors are especially knowledgable about the specifics of a local area. They understand the market in ways that individuals not working in the field cannot. They can help you determine what neighborhoods are best for you, what asking prices make sense, and so much more.

 

4. Guidance. An agent is truly there to put your best interests first. They will always help guide you towards choices, particularly those related to pricing, that make sense for you and will help you with negotiations.

 

5. Market Conditions. Realtors understand sale prices, days on market, square footage, and all of the aspects that go into how to craft a winning offer for a home.

 

6. Networking. Realtors have an extensive network of professionals that work in services related to buying a home. They can help give you recommendations for providers to work with that they know you can trust.

 

7. Negotiation. Realtors are top negotiators. They have honed the craft over many years. Since they are able to remove themselves emotionally from the transaction in ways that a buyer personally cannot, you are more likely to have a negotiation that truly works for you.

 

8. Paperwork. There is a lot of paperwork that goes into purchasing a home. It will cost you a lot of time to manage yourself and the technicalities within those documents can easily be lost to the untrained eye. It is part of the realtor's job to handle this paperwork and eliminate the hassle for you.

 

9. Questions. A realtor is always there to answer any questions who have, regardless of which step you are in during the process. Even after you close on a house, your realtor will be there to help you deal with any confusion you might have moving forward.

 

10. Mutually Beneficial. Realtors garner business through positive referrals. Due to this, it is always beneficial for them to ensure that you are satisfied and happy with the outcome of your dealings with them. They will help keep you informed and will be there for you in the future should you enter the market again.

 


We hope this blog gave you a some helpful information on why you should work with a realtor! If you are ready to buy your dream home in North Iowa, search our Homes for Sale. Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

 

Steps to Crafting an Winning Offer!

by Jane Fischer and Associates

In today’s blog post, we are going to discuss the steps in crafting an offer. The most important part of the home Buying process is crafting your offer. Being prepared for this process and well informed can help ensure that the dream home you find will be yours. Since this is the most technical part of buying, working with the Top Realtor Mason City IA can help ease your stress and help you get the best deal possible. Here is our step to step guide to offers for you to make a successful bid on your future home in Mason City IA!


1. Determine your limits. This includes your financial and lifestyle limits (i.e. your must haves). Once you know your limits, you can work with your agent on crafting an offer that is best for you.


2. Understand the documentation. Do some research ahead of time on offer forms so that you can understand the terminology. Ask your realtor to see some of the forms and ask any questions that you might have.


3. Set your price. The listing price is what the seller is opening the negotiation with. It is now your turn to provide an offer price. Work with your realtor to determine whether the asking price is fair based on comparable properties, how long it has been on the market, and other related factors. You want to make sure that you provide an offer price that is comfortably within your range and will also be attractive to the seller.


4. Prepare for your down payment. You should have a clear understanding of your finances before putting in an offer for the home. In order to get your mortgage, you will need to put in a down payment. While 20% is the standard for conventional loans, there are other options out there. Work with your lender to determine the option that work best with your finances.

 

5. Make an EMD. Consider making an earnest money deposit to show the seller you are serious about buying the home. Doing this can help you stand apart if the seller has received other offers. If the deal goes through, the money from the EMD will be applied to your down payment during closing.

 

6. Review contingencies. As a buyer, contingencies are especially important in protecting your investment. There are several contingencies that you might find within an offer, including home inspection, financing, appraisal, clear title, and home sale. Talk to your realtor about which ones need to be included. If there is a lot of competition for the home you are interested in, you might want to only include those contingencies you must have as to not scare the seller away.

 

7. Read all the details. It is important that you read every single detail, including the fine print, of a sales contract to avoid any surprises. Along with the obvious information included in these contracts, there is a property description section where the seller will specificy what items are being left behind with the house.

 

8. Set your settlement date. When you submit your sales contract, you will provide the seller with a proposed settlement date. This is how much time you have to obtain mortgage approval and complete a title search. It also gives the seller time to find their next property and move. Be flexible when you set the closing date to keep both you and the seller happy.

 

9. Write a letter. Along with the legal documentation, consider including a personal letter to the seller. You can com[;oment them on their property and tell them why you personally have fallen in love with it. Adding a personal, emotional touch to your offer can really help set you apart.

 

10. Be ready for a counter offer. Most real estate deals require some negotiation so do not be surprised or discouraged if the seller counters your offer. The preparation you did ahead of time and your relationship with your realtor can help you navigate this process with confidence.



We hope this blog gave you a some helpful information on the steps of making an offer! If you are ready to buy your dream home in North Iowa, search our Homes for Sale. Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

Photography Tips to Make Your Home Stand Out Online!

by Jane Fischer and Associates

In today’s blog post, we are going to discuss tips on photographing your home to sell. An online listing is almost always the first time a buyer is exposed to your home. It can have a dramatic effect on whether or not they are interested in viewing your home. Make sure that your home attracts buyers by capturing the best photos you can. Although hiring a professional can help ensure that you have the best quality images, there are some simple ways that you can make your photos look less amateur. Follow these great photography tips to have your Mason City IA looking its very best in all your online images!

 

Use a Tripod.

Always use a tripod for your photos. A tripod helps ensure that your photos are never crooked (which can be jarring) by keeping the camera straight and helps keep the image sharp and reduces bluriness by eliminating camera shake.

 



Pay Attention to the Sun.

The first image buyers usually see online is of the front exterior of the home. Think about the best time of day to capture this shot. The position of the sun at different times of the day can have a dramatic effect on the image. Always shoot this image when the sun is shining directly onto the front exterior of your home. This will ensure that your home is well lit and eliminates shadows. Also, consider the height from which you are shooting the photo. By shooting from an elevated position, you can capture an image that includes the home and part of the yard.


Don't Use Your Smartphone.

The cameras on today's smartphones are technically advance but they still do not compare to a DSLR camera. The main issue with smartphones are their inability to handle low-light settings. Shoot with a DSLR camera and external flash to make sure your image is well-lit. Always have the room's lights turned on and the curtains open to utilize natural lighting. You want your image to reveal how bright your home is.

 


Capture the Outdoors Even When Inside.

The outdoor views from the interior of your home are just as important as what is inside. You want to make sure that both are in focus. This can be difficult to capture since focusing on the interior in the forefront can blur the view from the window and vice versa. Using a deep depth of focus can ensure that all is in focus. Professionals also utilize HDR imaging in order to layer multiple exposures within the room so the image shows both the inside and outside.


Think Wide.

You want to convey as much of the space as possible within your image. Use a wide-angle lens in order to capture more of an interior room. Standard lenses are great for revealing detail within tigher shots but you can convey more information (including the floor, ceiling, and walls) about the space in one wide-angle photo.

 



Always Look for the Best Angle.

Your position when you take the photo greatly affects how big the room appears in the image. Always look for the angle that makes the space appear larger. This often means shooting from the side of furniture instead of from behind (which can create distractions and make rooms feel cramped). A good rule of thumb is to frame your photo in a way that allows you to capture three walls within the room. This helps balance your photo and make rooms appear larger.

 


We hope this blog gave you a some helpful tips on photographing your home for online listings! If you are ready to sell your home, work with the Top Realtor Mason City IA! We can help you find sell your home for top dollar and quickly this spring! Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

Stop Renting and Start Buying!

by Jane Fischer and Associates

In today’s blog post, we are going to discuss financial reasons why you should buy instead of rent. We understand that buying a home is a major step. If you are serious about your finances, though, it is time to stop renting and start buying! As a renter, you are helping someone else pay their mortgage and not receiving any of the financial benefit from it. Why make someone else money when you can invest in yourself and your future?! Check out the facts regarding renting versus buying costs and get ready to purchase your dream Mason City IA this spring!

 

Top Financial Reasons to Own a Home

1. Cheaper than renting.

2. Locked in monthly cost for housing.

3. Investment you utilize daily.

4. Forced savings.

5. Tax savings.


Need some stone cold facts? Research from the Federal Reserve shows that a homeowner’s net worth is 44 times greater than a renter. In addition, according to Pulsenomics, home values are expected to appreciate by 3.35% per year and grow by 24.34% cumulatively over the next five years. This means that homeowners are gaining equity from the moment they purchase their home this year!

 

We hope this blog gave you a some helpful insights into why you should BUY instead of rent! If you are ready to take the plunge and buy your first home, work with the Top Realtor Mason City IA! We can help you find the perfect property to fit your needs within the North Iowa Homes for Sale! Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

Top Renovations to Make for a Profitable Sell!

by Jane Fischer and Associates

In today’s blog post we are going to discuss profitable home renovations. You are ready to sell your North Iowa home! Now you want to make sure that you get top dollar for your home and have it stand out from the competition. Although you probably do not want to spend more money on the home now that you are moving on, there are some renovations that offer great Return on Investment (ROI)! The data team at Realtor.com® analyzed a wide variety of amenities that help homes sell quickly and for the highest value. There are 5 major categories that they focused on: Electronics, Amenities, Exteriors, Interior Design, and Rooms. Find how each amenity ranked below.


Electronics

Making your home as smart and efficient can help attract buyers. Home buyers love convenience and modern features. Consider adding smart home technology, energy star appliances, and a security system.

Smart Home Features (#1)

  • Median Listing Price: $575,000

  • 2-Year Listing Appreciation: 82.6%

  • Average Days on Market: 80

Energy Star Appliances (#12)

  • Median Listing Price: $328,950

  • 2-Year Listing Appreciation: 26.6%

  • Average Days on Market: 121

Security System (#15)

  • Median Listing Price: $340,000

  • 2-Year Listing Appreciation: 11.5%

  • Average Days on Market: 127


Rooms

Buyers do not necessarily need a huge home. They just want a space that they can customize and best fit their needs. The rooms with hottest demands are finished basements, laundry rooms, and dining rooms.

Finished Basements (#2)

  • Median Listing Price: $289,000

  • 2-Year Listing Appreciation: 13.3%

  • Average Days on Market: 107

Laundry Rooms (#8)

  • Median Listing Price: $289,000

  • 2-Year Listing Appreciation: 15.6%

  • Average Days on Market: 115

Dining Rooms (#11)

  • Median Listing Price: $289,999

  • 2-Year Listing Appreciation: 11.6%

  • Average Days on Market: 119


Exteriors

Outdoor living spaces are just as important for home buyers. However, you do not need to go too extravagent. Basic features are still more desired by buyers. These include patios, front porches, and two-car garages.

Patios (#3)

  • Median Listing Price: $309,000

  • 2-Year Listing Appreciation: 12.4%

  • Average Days on Market: 108

Front Porches (#10)

  • Median Listing Price: $224,900

  • 2-Year Listing Appreciation: 21.0%

  • Average Days on Market: 119

Two-Car Garages (#13)

  • Median Listing Price: $313,350

  • 2-Year Listing Appreciation: 16.1%

  • Average Days on Market: 123

Interior Design

Be sure to focus on the interior design of your home. Home buyers are looking for plenty of closet space and eat-in/open kitchens. Consider renovating your home to make sure that these are top features in your home.

Walk-In Closets (#4)

  • Median Listing Price: $329,500

  • 2-Year Listing Appreciation: 9.9%

  • Average Days on Market: 110

Eat-In Kitchens (#6)

  • Median Listing Price: $235,000

  • 2-Year Listing Appreciation: 17.5%

  • Average Days on Market: 113

Open Kitchens (#9)

  • Median Listing Price: $299,500

  • 2-Year Listing Appreciation: 11.3%

  • Average Days on Market: 118


Amenities

There are certain aesthetic home features that home buyers particularly love in a listing. The top ones to make sure that your home has include hardwood floors, granite counter tops, and fireplaces (both real and artifical).

Granite Countertops (#5)

  • Median Listing Price: $329,000

  • 2-Year Listing Appreciation: 1.2%

  • Average Days on Market: 112

Hardwood Floors (#7)

  • Median Listing Price: $287,000

  • 2-Year Listing Appreciation: 14.8%

  • Average Days on Market: 113

Fireplaces (#14)

  • Median Listing Price: $329,900

  • 2-Year Listing Appreciation: 11.9%

  • Average Days on Market: 126

We hope this blog gave you a some helpful insights into profitable home renovations. However, we realize that you might still have some more questions. For more Home Selling Tips, give our experienced Team a call, visit our website, or check out our Facebook Page. We are here to help if you're considering Buying, Selling, or Investing in Real Estate in the North Iowa. Contact us today at 641-425-4900 or http://www.janefischer.com/.

Data source: realtor.com


Relocation Help is Here for North Iowa!

by Jane Fischer and Associates

In today’s blog post we are going to discuss Relocating for a new job. Congrats! You just received a job offer in North Iowa! It is time to move! Starting a new job and finding a new home at the same time can be a difficult process. Loan approval is dependent on proof that you can afford the mortgage. Your income and employment history are the best indicators of what you can afford. Although this can be a stressful time, it is possible to do both at once! Here is some important information to know about relocating.


 

What should I know before getting a mortgage?

Promotions are positive financial moves. If you are earning better pay or benefits or moving to a similar position at a new job, you should be able to Obtain a Mortgage with no problem. Be prepared to share your offer letter, with salary confirmation, to your lender. They will need to verify that you have been in the position for at least 30 days to determine what you can afford for the mortgage. It is important to note that if your position is commissioned based, these earnings are often excluded from loan amounts as they are difficult to prove in a new role.

How do I obtain a mortgage with new employment?

As long as your new position makes financial sense, obtaining a mortgage should not be difficult. The lender will want to see your employment history. Frequent job changes or large gaps in employment can be red flags for lenders. Have all of your past employment information available for your lender.

How can I get a home loan when relocating?

It is always in your best interest to secure your living arrangement before you move. Consider renting in the new location for at least 30 days in order to provide the lender with time to verify your new position. This gives you time to provide your first pay stub as well as get to know the community you are living in to find the perfect neighborhood for you. However, if you are not interested in renting, you can take the plunge into home ownership right away. Recognize that buying a new home and selling your old home takes time. Determine whether you can afford two mortgages at once in the case your old home does not sell right away. Find out what you can afford by using our Home Loan Finder tool.

 

What are Relocation Packages?

Many companies can help with your relocation process. They can offer a wide variety of options. These range from covering moving costs to assisting with down payments or closing costs to Guaranteed Buy Outs (when the company purchases your old home at its appraised value when it doesn't sell within a particular timeframe) or more. Find out what your new company offers to see what sort of assistance they might be able to provide. Any relocation package can significantly help you obtain a mortgage in your new location.


We hope this blog gave you a some helpful insights into relocation. However, we realize that you might still have some more questions. For more Home Buying Tips, give our experienced Team a call, visit our website, or check out our Facebook Page. We are here to help if you're considering Buying, Selling, or Investing in Real Estate in the North Iowa. Contact us today at 641-425-4900 or http://www.janefischer.com/.

 

Strong Local Schools and the Value of Your Home!

by Jane Fischer and Associates

In today’s blog post we are going to discuss the effect of school ratings on your home value. Strong local schools are obviously a top priority for home owners with children. You want to ensure that your children are educated at the best schools possible. But, ALL homeowners should take into account the quality of schools in the area. Research has shown that it has a dramatic effect on the value of your home!

 

 

What are the benefits of strong local schools for buyers and sellers?

Although location has always been an important aspect of home searches, it is now more directly linked with schools in the area. A quality home in a top ranked school district will sell for a higher price and hold a better resale value over the years. So what does this all mean for buyers and sellers? According to a 2016 study by Realtor.com, home values in top ranked school districts were 49% higher than the national median. This doesn't mean that all homes close to the best schools are wildly expensive. Buyers can still find well priced homes within these districts. The best benefit for home buyers that choose to live in excellent school districts is that their home will retain its value. If you ever choose to sell in the future, you know that you will have a better return on your investment thanks to the strong schools! Sellers should use the local school district to their advantage when listing their house. Homes within quality school districts are viewed significantly more often online and sell faster than homes in less sought after districts.


 

What is the strongest local school district in our North Iowa area?

All of our area's school districts are dedicated to academic excellence and providing our students with a quality education. If a top ranked school district is your upmost priority for your new North Iowa home, however, you should look to the communities of Garner and Ventura! Garner-Hayfield-Ventura Community Schools (605 West Lyons Street, Garner) is a public school district serving 809 students in pre-kindergarten through 12th grade. It has a remarkable student to teacher ratio of 11-1, meaning each student gets the attention they deserve. According to state test scores, 73% of the students are proficient in reading and 83% are proficient in math. Educational review and ranking website Niche.com recently released their list of the best school districts in Iowa for 2018. Garner-Hayfield Community School District was ranked the 15th best district out of the 312 analyzed. That's in the top 5%! In addition to its overall ranking, it was recognized as the #9 district with the best teachers and the #10 safest school district. Here are all of the individual grades that this district received:

 


 

If you are interested in Homes for Sale in Garner-Hayfield-Ventura CSD, give our experienced Team a call, visit our website, or check out our Facebook Page. We are here to help if you're considering Buying, Selling, or Investing in Real Estate in North Iowa. Contact us today at 641-425-4900 or http://www.janefischer.com/.

 

Displaying blog entries 1-10 of 21

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Contact Information

Jane Fischer & Associates
Real Estate Consultants
119 2nd Street NW #2
Mason City IA 50401
Cell: 641-425-4900
Office: 641-424-HOME (4663)

2018 Jane Fischer & Associates Real Estate Consultants Logo are registered service marks owned by Jane Fischer & Associates Real Estate Consultants. Equal Housing Opportunity.