A home warranty program will give you peace of mind knowing that you are protected from many unexpected repair costs. Through your Nothnagle agent, you can get the exclusive HomeTrust Warranty at an exciting low rate.
The HomeTrust Warranty covers unexpected breakdowns of covered appliances and major systems like plumbing, heating, electrical and air conditioning. How does it work? If for example you purchase a house and the oven stops working properly, rather than pay for the full repair you pay a small deductible and your HomeTrust Warranty then covers the cost of the repair.
The package includes coverage of the following:
* Plumbing Systems
* Plumbing Pipe Leaks
* Water Heaters
* Garage Door Openers
* Range - Oven - Cooktop
* Garbage Disposal
* Dishwasher
* Fire & Burglar Alarms
* Central Vacuum System
* Fuse Panels & Circuit Breaker Panels
* Ceiling & Exhaust Fans
* Ductwork
* Septic
* Air Conditioning & Heat Pump
* And More!
With so much that can go wrong, a HomeTrust agreement can give you the assurance that there is someone here to help you. Want more information? Contact your Nothnagle agent for more information on this exclusive program!
(Some restrictions apply; refer to agreement for specific terms, conditions, limitations and service fees)
Friday, July 30, 2010
Wednesday, July 28, 2010
How to Sell Your Home in a Slow(er) Market
Even though the real estate market has slowed down in recent months, there are still plenty of homebuyers eager to make a purchase. Knowing how to prepare your home for sale, when to allow access for showings, and hiring the right real estate agent will help you find the right buyer, even in a declining market.
Before you even put your home on the market, make sure that all basic repairs are completed. Nothing can turn off a prospective buyer quicker than loose railings, torn screens or missing hardware on cupboard doors. These easy repairs do not cost a lot of money. If a homebuyer sees that the little things are not attended to, they are likely to believe that the larger things are neglected too. Let buyers know that you have pride in your home by making sure that all of the small repairs are taken care of.
Keep your home clean throughout the time it is on the market. In a slow real estate market, it is important to have your home available to show at a moment's notice. The more often your home is shown, the likelier it is that your home will sell.
Keep pets contained during a real estate showing and make sure that your cat litter box is always clean. Pet owners tend to get used to the odors caused by litter boxes and it is important that you remember to clean it every day. Nothing will turn off a prospective home buyer like a home that smells like a pet! Many people are fearful of dogs, especially ones that they do not know. Make sure that you either take your dog with you during a showing or put them on a leash outside.
Be realistic in your expectations of the price you will be able to sell your home. Forget about what could have been if you had sold it last year and focus on what your home is worth now. A home that is priced too high is likely to be looked over. A Nothnagle agent will help you arrive at a fair asking price to avoid the need for too much negotiation.
In a slower market, hiring the right real estate agent is crucial to get your home sold in a reasonable amount of time. During May/June 2010, Nothnagle agents sold homes on average 10 days faster than the competition. That 10 days can give you peace of mind and will certainly expedite the process for you.
Selling your home can be a stressful time, but you can be successful in selling your home if you remain patient, reasonable and flexible. There are buyers out there and the key is to find them and get them to fall in love with your home.
Before you even put your home on the market, make sure that all basic repairs are completed. Nothing can turn off a prospective buyer quicker than loose railings, torn screens or missing hardware on cupboard doors. These easy repairs do not cost a lot of money. If a homebuyer sees that the little things are not attended to, they are likely to believe that the larger things are neglected too. Let buyers know that you have pride in your home by making sure that all of the small repairs are taken care of.
Keep your home clean throughout the time it is on the market. In a slow real estate market, it is important to have your home available to show at a moment's notice. The more often your home is shown, the likelier it is that your home will sell.
Keep pets contained during a real estate showing and make sure that your cat litter box is always clean. Pet owners tend to get used to the odors caused by litter boxes and it is important that you remember to clean it every day. Nothing will turn off a prospective home buyer like a home that smells like a pet! Many people are fearful of dogs, especially ones that they do not know. Make sure that you either take your dog with you during a showing or put them on a leash outside.
Be realistic in your expectations of the price you will be able to sell your home. Forget about what could have been if you had sold it last year and focus on what your home is worth now. A home that is priced too high is likely to be looked over. A Nothnagle agent will help you arrive at a fair asking price to avoid the need for too much negotiation.
In a slower market, hiring the right real estate agent is crucial to get your home sold in a reasonable amount of time. During May/June 2010, Nothnagle agents sold homes on average 10 days faster than the competition. That 10 days can give you peace of mind and will certainly expedite the process for you.
Selling your home can be a stressful time, but you can be successful in selling your home if you remain patient, reasonable and flexible. There are buyers out there and the key is to find them and get them to fall in love with your home.
Monday, July 26, 2010
Nothnagle Ranks #34 out of Top 100 Companies in U.S.
The National Association of Realtors released their annual "Top 100 Report" this week, ranking the largest firms in the country. Nothnagle is the only Rochester-based company to make the list again this year.
The report shows that in 2009, 51 companies on the list increased transaction sides versus only 16 the previous year. Nothnagle Realtors ranked #34 based on the number of transaction sides. The 8,753 transaction sides in 2009 represent an increase of 4% over 2008. In terms of sales volume, at $1.1 billion in sales in 2009, Nothnagle ranked #78 out of 100 on the list. The average number of transactions per Nothnagle agent according to the report was 15 in 2009.
The report shows that in 2009, 51 companies on the list increased transaction sides versus only 16 the previous year. Nothnagle Realtors ranked #34 based on the number of transaction sides. The 8,753 transaction sides in 2009 represent an increase of 4% over 2008. In terms of sales volume, at $1.1 billion in sales in 2009, Nothnagle ranked #78 out of 100 on the list. The average number of transactions per Nothnagle agent according to the report was 15 in 2009.
Saturday, July 24, 2010
Nothnagle Continues to Outpace the Market
The Greater Rochester Association of Realtors recently released their statistics for the 2nd Quarter of 2010. The report is based on transactions reported through the Multiple Listing Service (MLS) and provides a snapshop of recent real estate activity in the local market.
When compared to the same time period in 2009, report indicates that active listings are down 8%. Nothnagle has been gaining in listing market share and is up 2% for the year. So while there may be fewer properties coming on the market, more sellers are choosing a Nothnagle agent to list their home with.
Nothnagle's company statistics outpace the 2nd Quarter stats for the market. While GRAR reported that closed units were up 43% over the same time period in '09, Nothnagle's closings were up 50%. GRAR reported sales volume up 47% compared to Nothnagle's sales volume increase of 69%. And while median sales price for the overall market was up 2%, Nothnagle's average sales price increased by 13% when compared to 2009.
The homebuyer's tax credit significantly drove sales in the 2nd quarter. With the expiration of the tax credit, the market has experienced an anticipated slow down. A future indicator of upcoming closings is current pending deals and GRAR reported that accepted offers for the 2nd Quarter were down 59% over the previous year. Nothnagle has seen a slight decrease in business as expected, however new written business is only down a fraction of what GRAR reported.
When compared to the same time period in 2009, report indicates that active listings are down 8%. Nothnagle has been gaining in listing market share and is up 2% for the year. So while there may be fewer properties coming on the market, more sellers are choosing a Nothnagle agent to list their home with.
Nothnagle's company statistics outpace the 2nd Quarter stats for the market. While GRAR reported that closed units were up 43% over the same time period in '09, Nothnagle's closings were up 50%. GRAR reported sales volume up 47% compared to Nothnagle's sales volume increase of 69%. And while median sales price for the overall market was up 2%, Nothnagle's average sales price increased by 13% when compared to 2009.
The homebuyer's tax credit significantly drove sales in the 2nd quarter. With the expiration of the tax credit, the market has experienced an anticipated slow down. A future indicator of upcoming closings is current pending deals and GRAR reported that accepted offers for the 2nd Quarter were down 59% over the previous year. Nothnagle has seen a slight decrease in business as expected, however new written business is only down a fraction of what GRAR reported.
Friday, July 23, 2010
Going Green With Your Kitchen Remodeling Project
There are many options for consumers wanting to "go green" in the kitchen. Where before sometimes green remodeling meant bigger expense, today there are many lower cost options that still give you many stylish products to choose from.
If products you’d like to add to your project aren’t readily available, schedule visits to showrooms or green home improvement expos to examine materials first-hand before making decisions. To help you plan, here are key products, ideas, and tips to put the green in your kitchen.
Kitchen Cabinets
• Sustainable kitchen cabinets are made from wood and wood products certified by the Forest Stewardship Council to be produced using sustainable forest management practices. They feature formaldehyde-free glues and finishes with low volatile organic compounds that give off little or no toxic fumes. When shopping for cabinets, ask if the cabinet boxes are built with wheat board or straw board. These products are made from agricultural waste, such as the chaff left over from farmers’ wheat crops. As a rule, they feature formaldehyde-free binders. They’re strong and rated to exceed the standards set by the American National Standards Institute for medium density particleboard—the material commonly used to make cabinet boxes.
Countertops
• Green countertops offer variety but all share similar characteristics: recycled or sustainable content, low-toxicity binders, and eco-friendly manufacturing processes. In addition, they’re highly durable. Examples: Squak Mountain Stone is made from recycled paper, recycled glass, reclaimed fly ash, and cement. The finished countertop slabs resemble limestone and soapstone. Eco-top counters consist of renewable bamboo fiber, post-consumer recycled paper, and water-based resin glue. Vetrazzo makes countertops that are 85% recycled glass—almost all the glass comes from curbside recycling programs. Craft-Art includes a line of wood countertops made of reclaimed wood from older barns, warehouses, and commercial buildings.
Flooring
• Eco-friendly flooring includes linoleum and cork. Both are made with renewable resources that make them sustainable choices. They’re good-looking and durable, but require periodic maintenance. Linoleum is made from renewable, biodegradable materials including linseed oil and cork. It produces no harmful vapors and comes in many patterns and colors. Linoleum stands up well to traffic and offers some cushioning underfoot. It’s resistant to moisture but susceptible to staining, so some manufacturers add a coating to protect against spills and scratches.
Cork is a sustainable flooring product made from tree bark; the bark grows back and can be harvested repeatedly. Harvesting practices are carefully regulated to ensure future supplies, reducing environmental impact. Cork is waterproof and slightly soft underfoot, which makes it both moisture-resistant and comfortable. It’s made in 12x12-inch tiles and 1x3-foot planks, each with a distinctive grain pattern. The surface is slightly textured and slip-resistant.
Appliances
• Choosing Energy Star products reduces energy consumption and saves utility costs. Energy Star appliances are tested and rated to be the most energy-efficient models in any product category.
• Dishwashers go green when they feature an energy-saving or quick-wash cycle. These cycles operate for shorter periods of time, saving water and energy. Also, look for dishwashers that include an air-dry option, which dries dishes with circulation fans rather than energy-draining heating elements. Or, simply open up the dishwasher door when the wash cycle is complete and let dishes air dry.
Energy Star models are 25% more energy efficient than the federal standards for energy consumption. If you replace your pre-1994 dishwasher with an Energy Star model, you’ll save as much as $40 a year on energy costs.
• Buy a new refrigerator and you’ll save on energy costs. That’s because manufacturers are constantly improving technology and insulating techniques. In fact, today’s new models are 75% more energy efficient than those manufactured just 20 years ago, saving about $100 per year on energy costs. An Energy Star-rated model will save an additional $20-$30 per year.
Choose models featuring the freezer on top and use 10% to 25% less energy than a same-sized model with a side-by-side configuration.
If products you’d like to add to your project aren’t readily available, schedule visits to showrooms or green home improvement expos to examine materials first-hand before making decisions. To help you plan, here are key products, ideas, and tips to put the green in your kitchen.
Kitchen Cabinets
• Sustainable kitchen cabinets are made from wood and wood products certified by the Forest Stewardship Council to be produced using sustainable forest management practices. They feature formaldehyde-free glues and finishes with low volatile organic compounds that give off little or no toxic fumes. When shopping for cabinets, ask if the cabinet boxes are built with wheat board or straw board. These products are made from agricultural waste, such as the chaff left over from farmers’ wheat crops. As a rule, they feature formaldehyde-free binders. They’re strong and rated to exceed the standards set by the American National Standards Institute for medium density particleboard—the material commonly used to make cabinet boxes.
Countertops
• Green countertops offer variety but all share similar characteristics: recycled or sustainable content, low-toxicity binders, and eco-friendly manufacturing processes. In addition, they’re highly durable. Examples: Squak Mountain Stone is made from recycled paper, recycled glass, reclaimed fly ash, and cement. The finished countertop slabs resemble limestone and soapstone. Eco-top counters consist of renewable bamboo fiber, post-consumer recycled paper, and water-based resin glue. Vetrazzo makes countertops that are 85% recycled glass—almost all the glass comes from curbside recycling programs. Craft-Art includes a line of wood countertops made of reclaimed wood from older barns, warehouses, and commercial buildings.
Flooring
• Eco-friendly flooring includes linoleum and cork. Both are made with renewable resources that make them sustainable choices. They’re good-looking and durable, but require periodic maintenance. Linoleum is made from renewable, biodegradable materials including linseed oil and cork. It produces no harmful vapors and comes in many patterns and colors. Linoleum stands up well to traffic and offers some cushioning underfoot. It’s resistant to moisture but susceptible to staining, so some manufacturers add a coating to protect against spills and scratches.
Cork is a sustainable flooring product made from tree bark; the bark grows back and can be harvested repeatedly. Harvesting practices are carefully regulated to ensure future supplies, reducing environmental impact. Cork is waterproof and slightly soft underfoot, which makes it both moisture-resistant and comfortable. It’s made in 12x12-inch tiles and 1x3-foot planks, each with a distinctive grain pattern. The surface is slightly textured and slip-resistant.
Appliances
• Choosing Energy Star products reduces energy consumption and saves utility costs. Energy Star appliances are tested and rated to be the most energy-efficient models in any product category.
• Dishwashers go green when they feature an energy-saving or quick-wash cycle. These cycles operate for shorter periods of time, saving water and energy. Also, look for dishwashers that include an air-dry option, which dries dishes with circulation fans rather than energy-draining heating elements. Or, simply open up the dishwasher door when the wash cycle is complete and let dishes air dry.
Energy Star models are 25% more energy efficient than the federal standards for energy consumption. If you replace your pre-1994 dishwasher with an Energy Star model, you’ll save as much as $40 a year on energy costs.
• Buy a new refrigerator and you’ll save on energy costs. That’s because manufacturers are constantly improving technology and insulating techniques. In fact, today’s new models are 75% more energy efficient than those manufactured just 20 years ago, saving about $100 per year on energy costs. An Energy Star-rated model will save an additional $20-$30 per year.
Choose models featuring the freezer on top and use 10% to 25% less energy than a same-sized model with a side-by-side configuration.
Wednesday, July 21, 2010
Calculating Debt-to-Income Ratios
Debt-to-Income ratios are important for helping you to determine how much house you can buy and what your lender will approve for a mortgage amount. There are two different types of ratios lenders look at, the front-end ratio which is your housing expenses, and back-end ratio which is your total debt-to-income ratio.
The front-end ratio indicates how much of your monthly income will go towards your monthly payment, which includes principle, interest, real estate property taxes and homeowners' insurance. The total payment should not exceed 28% of your gross (before taxes) monthly income.
To get an idea of what kind of a payment you can qualify for, take your annual gross salary and multiply it by 0.28 (28%), then divide by 12 months. For example, if your annual salary is $50,000, you may qualify for a monthly payment of $1166 (50,000 x 0.28 / 12 = 1,166).
When searching for a home on Nothnagle.com, each listing has a "Mortgage Calculator" feature that will help you estimate what your monthly payment will be for that particular property.
An additional factor that a lender will look at beyond the front-end ratio, is your total debt-to-income ratio (or back-end ratio). This takes into account not just your housing expenses but your total debts, including car loans, credit card payments and student loans. Your total monthly debt payments cannot exceed 36%. To calculate your back-end ratio, take your annual gross salary and multiply it by 0.36 (36%), then divide by 12 months. Using the same salary of $50,000, your monthly debt payments cannot exceed $1500.
Depending on your other debts, this may reduce the amount of monthly housing payment you can qualify for if you are carrying high credit card debt. To do a quick estimate, add up your monthly fixed payments - minimum credit card payments, car loan, student loan or other fixed debt. If these debt payments equal $600, that leaves $900 for your monthly housing expense.
To find out how much you can qualify for, contact a Nothnagle agent direct or one of our mortgage partners today.
The front-end ratio indicates how much of your monthly income will go towards your monthly payment, which includes principle, interest, real estate property taxes and homeowners' insurance. The total payment should not exceed 28% of your gross (before taxes) monthly income.
To get an idea of what kind of a payment you can qualify for, take your annual gross salary and multiply it by 0.28 (28%), then divide by 12 months. For example, if your annual salary is $50,000, you may qualify for a monthly payment of $1166 (50,000 x 0.28 / 12 = 1,166).
When searching for a home on Nothnagle.com, each listing has a "Mortgage Calculator" feature that will help you estimate what your monthly payment will be for that particular property.
An additional factor that a lender will look at beyond the front-end ratio, is your total debt-to-income ratio (or back-end ratio). This takes into account not just your housing expenses but your total debts, including car loans, credit card payments and student loans. Your total monthly debt payments cannot exceed 36%. To calculate your back-end ratio, take your annual gross salary and multiply it by 0.36 (36%), then divide by 12 months. Using the same salary of $50,000, your monthly debt payments cannot exceed $1500.
Depending on your other debts, this may reduce the amount of monthly housing payment you can qualify for if you are carrying high credit card debt. To do a quick estimate, add up your monthly fixed payments - minimum credit card payments, car loan, student loan or other fixed debt. If these debt payments equal $600, that leaves $900 for your monthly housing expense.
To find out how much you can qualify for, contact a Nothnagle agent direct or one of our mortgage partners today.
Monday, July 19, 2010
America's Most Recession Proof Cities
The Brookings Institute recently released a quarterly report which focused on 21 large metropolitan areas that have kept their labor and housing markets stable during the recession of the past few years. Of the most "recession-proof" cities, three New York cities made the list, including including Albany (#1), Buffalo (#5) and Rochester (#18).
The author of the report, Howard Weil, states, "Most of these cities have some general characteristics in common. They didn't experience huge housing bubbles followed by a crash, and their economies weren't rooted in the auto industry." Also of note, when looking at the complete list you will see that many are state capitals (e.g. Albany) which are much more insulated from job cuts due to so many people working in the government/public sector.
We have posted many times in this blog and in other reports where Nothnagle has been quoted that the local housing markets in Upstate New York have remained insulated from the ups and downs experienced elsewhere - and from what has been reported through the national media of the housing "bust."
Our upstate cities remain a great place to invest in a home, prices have been stable and will remain so. Interested in buying or selling? Contact a Nothnagle agent to get started! We offer 26 convenient locations throughout the region. Moving to or from Rochester from outside our locations? Our Relocation Department can move you to anywhere, from anywhere and will provide you with the same great service people have come to know and expect of Nothnagle Realtors.
The author of the report, Howard Weil, states, "Most of these cities have some general characteristics in common. They didn't experience huge housing bubbles followed by a crash, and their economies weren't rooted in the auto industry." Also of note, when looking at the complete list you will see that many are state capitals (e.g. Albany) which are much more insulated from job cuts due to so many people working in the government/public sector.
We have posted many times in this blog and in other reports where Nothnagle has been quoted that the local housing markets in Upstate New York have remained insulated from the ups and downs experienced elsewhere - and from what has been reported through the national media of the housing "bust."
Our upstate cities remain a great place to invest in a home, prices have been stable and will remain so. Interested in buying or selling? Contact a Nothnagle agent to get started! We offer 26 convenient locations throughout the region. Moving to or from Rochester from outside our locations? Our Relocation Department can move you to anywhere, from anywhere and will provide you with the same great service people have come to know and expect of Nothnagle Realtors.
Saturday, July 17, 2010
Qualifying for a Home Mortgage
While it is true that some of the lending guidelines have tightened up, many buyers are still able to qualify for a mortgage in today's market. Wondering what you need to qualify?
1. Credit score. You must have a "good" credit score to qualify for a mortgage. FHA is much more lenient and will typically accept credit scores of 580 or higher. For convention loans, lenders require at least a 620. The best rates are available to buyers with higher credit. The higher your credit score, the more assurance the lender has that you will pay them back due to your your history of making timely payments on your debts and bills.
2. Downpayment. Most mortgages require a downpayment. For FHA, the minimum is 3.5% of the purchase price and for conventional loans, 10-20%. You will also need additional cash to pay for closing costs and in reserve to cover expenses that will come up after you move in.
3. Debt to Income Ratio. Lenders are not just looking at income but rather they want to see what your debt load (i.e. car loans, credit cards, school loans, etc.) is in comparison to your gross income (i.e. before taxes). There are two ratios lenders look at, front-end (housing expenses) and back-end (total debt-to-income).
4. Documentation. Lenders want to see proof of your financial situation. You will be asked to provide paycheck stubs, bank account statements and past tax returns. If you are self-employed, additional documentation may also be requested.
Nothnagle offers two mortgage partners, Nothnagle Home Securities Corp and Premium Mortgage. If you would like more information on what you need to do to qualify for a mortgage, contact a Nothnagle agent directly or call one of our mortgage partners today.
1. Credit score. You must have a "good" credit score to qualify for a mortgage. FHA is much more lenient and will typically accept credit scores of 580 or higher. For convention loans, lenders require at least a 620. The best rates are available to buyers with higher credit. The higher your credit score, the more assurance the lender has that you will pay them back due to your your history of making timely payments on your debts and bills.
2. Downpayment. Most mortgages require a downpayment. For FHA, the minimum is 3.5% of the purchase price and for conventional loans, 10-20%. You will also need additional cash to pay for closing costs and in reserve to cover expenses that will come up after you move in.
3. Debt to Income Ratio. Lenders are not just looking at income but rather they want to see what your debt load (i.e. car loans, credit cards, school loans, etc.) is in comparison to your gross income (i.e. before taxes). There are two ratios lenders look at, front-end (housing expenses) and back-end (total debt-to-income).
4. Documentation. Lenders want to see proof of your financial situation. You will be asked to provide paycheck stubs, bank account statements and past tax returns. If you are self-employed, additional documentation may also be requested.
Nothnagle offers two mortgage partners, Nothnagle Home Securities Corp and Premium Mortgage. If you would like more information on what you need to do to qualify for a mortgage, contact a Nothnagle agent directly or call one of our mortgage partners today.
Thursday, July 15, 2010
Upstate NY Cities Make Top 10 Most Affordable Cities to Buy a Home
Forbes Magazine recently published an article, the "Most Affordable Cities to Buy a Home." Both Rochester (#7) and Syracuse (#6) made the top 10 list.
The magazine ranked cities not just on price but also based on where people make enough money to buy good houses and where prices are expected to rise. First, they looked at metropolitan areas where a high percentage of the population can afford a home at the local median price. Then they looked at Census Bureau data which shows the average percentage of homeowners' income that goes toward expenses like property taxes, mortgage payments and insurance. Lastly, they evaluated how much home prices are expected to rise or fall over the next three years. The end result was a "score" assigned to each metropolitan region.
The article cites Rochester and Syracuse as "having held onto jobs without home prices skyrocketing, keeping homes there within reach." In Rochester, 93% of residents make enough to afford the median priced home; in Syracuse, 96%.
The complete list of the Top 10 cities is as follows:
1. Pittsburgh, PA
2. Indianapolis, IN
3. Chattanooga, TN
4. Louisville, KY
5. Oklahoma City, OK
6. Syracuse, NY
7. Rochester, NY
8. Columbia, SC
9. Dayton, OH
10. Cincinnati, OH
Interest rates are low, there's a healthy supply of homes on the market and prices are remaining stable. If you're interested in buying a house, there are great opportunities out there. Contact a Nothnagle agent today of 899-MOVE. And don't forget....Nothnagle Realtors can move you from anywhere, to anywhere. Whether you're looking in Upstate New York or a city across the country, we can help!
The magazine ranked cities not just on price but also based on where people make enough money to buy good houses and where prices are expected to rise. First, they looked at metropolitan areas where a high percentage of the population can afford a home at the local median price. Then they looked at Census Bureau data which shows the average percentage of homeowners' income that goes toward expenses like property taxes, mortgage payments and insurance. Lastly, they evaluated how much home prices are expected to rise or fall over the next three years. The end result was a "score" assigned to each metropolitan region.
The article cites Rochester and Syracuse as "having held onto jobs without home prices skyrocketing, keeping homes there within reach." In Rochester, 93% of residents make enough to afford the median priced home; in Syracuse, 96%.
The complete list of the Top 10 cities is as follows:
1. Pittsburgh, PA
2. Indianapolis, IN
3. Chattanooga, TN
4. Louisville, KY
5. Oklahoma City, OK
6. Syracuse, NY
7. Rochester, NY
8. Columbia, SC
9. Dayton, OH
10. Cincinnati, OH
Interest rates are low, there's a healthy supply of homes on the market and prices are remaining stable. If you're interested in buying a house, there are great opportunities out there. Contact a Nothnagle agent today of 899-MOVE. And don't forget....Nothnagle Realtors can move you from anywhere, to anywhere. Whether you're looking in Upstate New York or a city across the country, we can help!
Tuesday, July 13, 2010
How to Make a Room Look Bigger
When you're working with a small space, whether it's a room, your apartment or house, there are many tips you can implement that will help you open up the space to give the illusion that it is much more spacey. Conversely, there are also things you can do (the opposite of what we will cover below) that makes a space - regardless of actual square footage - look smaller.
First, using light wall colors always opens up the space versus the use of dark colors, which will make the space look much smaller. Colors to choose to make the room appear more open would be light cream, white, icy blues or pale greens and yellows.
Next, you must use furniture that is scaled to the size of the room. Putting a large, overstuffed sofa in a small room is only going to make the room appear smaller and more crowded. Another tip is to use furniture that is the same color as your walls to make it all "blend in" together. Avoid using dark wood trim or dark wood end tables. Contrast
Make use of natural light in the room. Don't cover the windows with heavy blinds or draperies. Use sheer, light colored curtains or light colored blinds to maximize the light.
The one thing that can be big in the room is a mirror! Using a large decorative mirror or mirrors in the room will also help give the illusion of open space. Be careful when selecting other wall art in order to avoid breaking up the room too much.
In need of a professional? Nothnagle's Home Services offers staging services. In addition, several Nothnagle agents have achieved designations in home staging. Contact an agent today!
First, using light wall colors always opens up the space versus the use of dark colors, which will make the space look much smaller. Colors to choose to make the room appear more open would be light cream, white, icy blues or pale greens and yellows.
Next, you must use furniture that is scaled to the size of the room. Putting a large, overstuffed sofa in a small room is only going to make the room appear smaller and more crowded. Another tip is to use furniture that is the same color as your walls to make it all "blend in" together. Avoid using dark wood trim or dark wood end tables. Contrast
Make use of natural light in the room. Don't cover the windows with heavy blinds or draperies. Use sheer, light colored curtains or light colored blinds to maximize the light.
The one thing that can be big in the room is a mirror! Using a large decorative mirror or mirrors in the room will also help give the illusion of open space. Be careful when selecting other wall art in order to avoid breaking up the room too much.
In need of a professional? Nothnagle's Home Services offers staging services. In addition, several Nothnagle agents have achieved designations in home staging. Contact an agent today!
Sunday, July 11, 2010
Choosing the Right Finish for Your Painting Project
Whether you're trying to spruce up your home to sell, redecorating a room or restoring an old piece of furniture, a fresh coat of paint can make a huge difference. Picking out the right color is the easy part. Making sure that you select the right finish is critical to ensure that your painting project comes out perfect...and lasts.
Before you head out to buy paint, it's important to know what the different types of finishes are and what is the appropriate finish for the job you will be doing. Is it a high traffic hallway and you have young children at home? You may want to choose an eggshell finish over a flat finish.
Also good to know is the difference between latex and oil paint. Oil paint offers a great finish, especially in areas that take a lot of abuse such as doors and woodwork, but it is very difficult to work with. It has a much stronger odor, takes much longer to dry and can only be removed - from brushes and your hands - with paint thinner. It's not commonly used for walls but may be the best alternative for jobs such as restoring a dresser, end table or dining room table.
Latex paint is used much more frequently. It is water-based and good for most jobs, dries quickly and is easy to clean up. While oil paint may tend to crack more with age, latex paint is very resistent.
If you don't have the time (or desire) to take on a painting project, we can help! Nothnagle's Home Services pre-screens professionals to ensure that you get the best quality. Our coordinators will pair you with the right contractor to fit your budget. Call today and we will help you get started!
Before you head out to buy paint, it's important to know what the different types of finishes are and what is the appropriate finish for the job you will be doing. Is it a high traffic hallway and you have young children at home? You may want to choose an eggshell finish over a flat finish.
Here's a quick rundown of the different types of finishes:
1. Flat: Good for hiding blemishes and offers a shine-free finish. The problem? If you get dirt or fingerprints on it, it doesn't wash well...hence, the recommendation to avoid using it in high-traffic areas like staircases and hallways.
2. Eggshell: Good for hiding imperfections but also easier to clean. Has a subtle sheen and is good to use in most areas, such as living and dining rooms, but may not be the best finish for areas of the home that take more abuse, such as the kitchen or a child's play room.
3. Satin: Offers a beautiful silky gleam and cleans very easily. Great finish for bathrooms, kids' rooms, kitchens and high traffic areas.
4. Semigloss: High sheen and very easy to clean. Good for kitchens, bathrooms, doors and cabinets.
5. High-gloss: Super-shiny and durable, good for trim work.
Also good to know is the difference between latex and oil paint. Oil paint offers a great finish, especially in areas that take a lot of abuse such as doors and woodwork, but it is very difficult to work with. It has a much stronger odor, takes much longer to dry and can only be removed - from brushes and your hands - with paint thinner. It's not commonly used for walls but may be the best alternative for jobs such as restoring a dresser, end table or dining room table.
Latex paint is used much more frequently. It is water-based and good for most jobs, dries quickly and is easy to clean up. While oil paint may tend to crack more with age, latex paint is very resistent.
If you don't have the time (or desire) to take on a painting project, we can help! Nothnagle's Home Services pre-screens professionals to ensure that you get the best quality. Our coordinators will pair you with the right contractor to fit your budget. Call today and we will help you get started!
Friday, July 9, 2010
Get Perfect Exterior Painting Results
It's a daunting challenge to repaint your wood siding, but when applied properly exterior paint can easily last 10 years or longer. In addition, it's typically a much less expensive option to replacing the wood with vinyl siding.
Not interested in doing it yourself? Nothnagle can help you save time and money through our Home Services department. We have qualified, professional painters to fit your budget and our coordinators will help you locate the right professional for your job.
If you do decide to do-it-yourself, the key to a successful job is in the preparation. Here are the steps to take to make sure you get perfect results.
Step 1: Wash the exterior
Pigment won’t adhere well if you don’t wash grime off the house first. A good cleaning agent is water mixed with a phosphate-free cleanser such as Jomax House Cleaner or Green Clean by Sherwin-Williams, which won’t harm your plants and landscaping. Using a power washer is an easy and efficient way to make sure all dirt and mildew is removed.
Step 2: Scrape off loose paint
Once clapboards are dry, remove loose, flaking paint. A handheld scraper is usually the best tool for the job. Never use an open-flame torch. They can easily cause a fire and are illegal in most states unless you have a permit. Always check for lead paint prior to doing any scraping. To work lead-safe, you must wear a mask and Tyvek suit, spray water on the paint as you scrape, and collect the debris.
Step 3: Sand rough spots
A pad sander or random-orbit sander fitted with 50- to 80-grit sandpaper will smooth out any remaining rough spots. Be careful not to push too hard or you run the risk of leaving marks in the wood.
Step 4: Fill and repair
Inspect what you’ve uncovered and make some decisions. Minor holes or dings in the siding can be easily filled in with a patching putty or compound. If you’ve got a major rot problem, the wood will need to be replaced. If you're handy, you may be able to make the repair yourself or it may require the expertise of a professional carpenter.
Step 5: Apply a coat of primer
Apply primer as soon as possible. White, gray, or tinted primer provides an even base for topcoats to adhere to, and a uniform canvas from which to survey your work. Small gaps in joints and around doors, windows, and other spots where horizontals meet verticals will all stand out in high relief, showing you where you need to fill in with caulk. If you’re painting over bare wood or existing latex paint, then latex primer is fine. But if you’re painting over multiple coats of oil-based paint, it’s best to stick with a new coat of oil-based primer.
Step 6: Caulk all joints
Siliconized or top-of-the line polyurethane acrylic caulks give paint jobs a smooth, pleasing look. But the benefits aren’t purely aesthetic. Tight joints also prevent air leaks and block water penetration. It’s worth springing for $7-a-tube polyurethane caulks with 55-year warranties, which will stand up to weather better than 35-year caulks costing less than $3. The average house requires about 7 tubes of caulk; contractors buy them in 12-pack cases and use them for several jobs.
Step 7: Choose the right paint
Painting with water-based acrylic latex is so much easier than dealing with oil-based paints. It's important to choose the right finish. A general rule to follow is the higher the sheen, the better the paint is at blocking the sun’s damaging rays. Satin is fine for shingles or clapboards, but you’ll want gloss paint to protect high-traffic parts of a house, such as window casings, porches, and doorframes.
Step 8: Apply top coat(s)
There is such a thing as too much paint. The more layers, the more likely the paint is to flake off years later. Apply lightly. If you’re going from a white house to yellow or cream, you might be able to get by with one coat. Going from a light to a dark house, and vice versa, usually requires two coats.
Step 9: Practice good maintenance
You can extend the life of a good paint job by inspecting the caulk every year, replacing any that’s cracked or missing, and do minimal touch-up jobs to keep the pain fresh and from peeling or chipping.
Not interested in doing it yourself? Nothnagle can help you save time and money through our Home Services department. We have qualified, professional painters to fit your budget and our coordinators will help you locate the right professional for your job.
If you do decide to do-it-yourself, the key to a successful job is in the preparation. Here are the steps to take to make sure you get perfect results.
Step 1: Wash the exterior
Pigment won’t adhere well if you don’t wash grime off the house first. A good cleaning agent is water mixed with a phosphate-free cleanser such as Jomax House Cleaner or Green Clean by Sherwin-Williams, which won’t harm your plants and landscaping. Using a power washer is an easy and efficient way to make sure all dirt and mildew is removed.
Step 2: Scrape off loose paint
Once clapboards are dry, remove loose, flaking paint. A handheld scraper is usually the best tool for the job. Never use an open-flame torch. They can easily cause a fire and are illegal in most states unless you have a permit. Always check for lead paint prior to doing any scraping. To work lead-safe, you must wear a mask and Tyvek suit, spray water on the paint as you scrape, and collect the debris.
Step 3: Sand rough spots
A pad sander or random-orbit sander fitted with 50- to 80-grit sandpaper will smooth out any remaining rough spots. Be careful not to push too hard or you run the risk of leaving marks in the wood.
Step 4: Fill and repair
Inspect what you’ve uncovered and make some decisions. Minor holes or dings in the siding can be easily filled in with a patching putty or compound. If you’ve got a major rot problem, the wood will need to be replaced. If you're handy, you may be able to make the repair yourself or it may require the expertise of a professional carpenter.
Step 5: Apply a coat of primer
Apply primer as soon as possible. White, gray, or tinted primer provides an even base for topcoats to adhere to, and a uniform canvas from which to survey your work. Small gaps in joints and around doors, windows, and other spots where horizontals meet verticals will all stand out in high relief, showing you where you need to fill in with caulk. If you’re painting over bare wood or existing latex paint, then latex primer is fine. But if you’re painting over multiple coats of oil-based paint, it’s best to stick with a new coat of oil-based primer.
Step 6: Caulk all joints
Siliconized or top-of-the line polyurethane acrylic caulks give paint jobs a smooth, pleasing look. But the benefits aren’t purely aesthetic. Tight joints also prevent air leaks and block water penetration. It’s worth springing for $7-a-tube polyurethane caulks with 55-year warranties, which will stand up to weather better than 35-year caulks costing less than $3. The average house requires about 7 tubes of caulk; contractors buy them in 12-pack cases and use them for several jobs.
Step 7: Choose the right paint
Painting with water-based acrylic latex is so much easier than dealing with oil-based paints. It's important to choose the right finish. A general rule to follow is the higher the sheen, the better the paint is at blocking the sun’s damaging rays. Satin is fine for shingles or clapboards, but you’ll want gloss paint to protect high-traffic parts of a house, such as window casings, porches, and doorframes.
Step 8: Apply top coat(s)
There is such a thing as too much paint. The more layers, the more likely the paint is to flake off years later. Apply lightly. If you’re going from a white house to yellow or cream, you might be able to get by with one coat. Going from a light to a dark house, and vice versa, usually requires two coats.
Step 9: Practice good maintenance
You can extend the life of a good paint job by inspecting the caulk every year, replacing any that’s cracked or missing, and do minimal touch-up jobs to keep the pain fresh and from peeling or chipping.
Thursday, July 8, 2010
10 Tips for Cooling Your Home During the Heat Wave
Just when you think it can't get any hotter....it does! Wow, what a week throughout the Northeast for near-record high temperatures. If you have central air conditioning, it's getting put to good use but for those who don't have it or if you're looking to cut down on energy costs, here's 10 tips to help you stay comfortable.
1. Open Your Windows
Watch for the temperature to drop at night. If it drops below the inside temperature, try opening your windows to get some fresh air in the house. There's nothing like a gentle breeze blowing through the house after it has been closed up all day. However, if the temperature doesn't drop....move on to Tip #2!
2. Turn On the Ceiling Fans
While a ceiling fan won’t make your room cooler, it will definitely make it feel cooler by speeding sweat evaporation and they cost far less to run than your air conditioner. If you don’t have ceiling fans already, they’re not very hard to install – check out your local home improvement store.
Once your fans are in, make sure the fan is set to spin in the correct direction: You want the air blowing down in summer and up in winter. If you’re not sure which way the air is moving, look at the blades as they spin: If the leading edge is higher than the trailing, it is pushing the air down.
3. Put In an Attic Fan
This one may require some professional assistance. An attic van gives you the combined benefits of moving air (like a ceiling fan) and pulling in the cooler air from outside. Of course, a prerequisite for running this is opening your windows, so the best thing is wait until after dusk to open your windows and then set the timer to run at least until after you’re deep asleep. It’s an investment that can easily pay for itself in a couple of years.
4. Shut the Blinds and Keep the Curtains Drawn
On hot summer days, the sun is your worst enemy. The last thing you want to do is have your air conditioner running full blast to offset the increase heat from the sunlight pouring in your windows.
5. Run Your Furnace Fan
Many thermostats will allow you to run the fan without initiating the furnace or air conditioner. By turning on your furnace fan, you cause the air to be circulated throughout the house, balancing out any cold or hot spots so that you whole house feels more comfortable.
6. Install a Programmable Thermostat
It doesn’t make much sense to cool your home while you’re gone, but it’s hard to remember to adjust your thermostat every day before you leave for work. Program your thermostat to go up by five degrees about 30 minutes or so before you leave and have it come back to your “normal” temperature a half-hour before you return.
7. Close Unused Vents
I don’t know about your house or apartment, but there are some infrequently-used rooms in our house. If you’re not going to be in a particular room very much or very often, consider closing the vent in that room so you’re not cooling dead space. That will cause more air to come out of the other open vents, potentially allowing you to add some cooling to a room that wasn’t getting it otherwise.
8. Turn Off the Lights
This isn’t really a suggested limited to summer, but it’s most appropriate now that it’s heating up. If you don’t need a light on, turn it off! All light bulbs generate heat as a byproduct of producing light. Also helpful - unplug unused appliances which also give off heat.
9. Hold Off On Cooking
Try to avoid using your stove and oven as much as possible. Turning the stove on while your air conditioner is running wastes money. Turning the stove on when you don't have air conditioner is going to add to the heat in the house. Try easy to prepare recipes that are chilled or don't require heat. Or better yet, go out to eat in a nice cool, air conditioned restaurant!
10. Go Underground
Basements can easily be 10 degrees cooler than the first floor. Finishing space to hang out in during the hot days of summer may be a great investment in terms of not only your comfort but helping with resale value down the road.
Most important during these hot days, increase your fluid intake and take it easy!
1. Open Your Windows
Watch for the temperature to drop at night. If it drops below the inside temperature, try opening your windows to get some fresh air in the house. There's nothing like a gentle breeze blowing through the house after it has been closed up all day. However, if the temperature doesn't drop....move on to Tip #2!
2. Turn On the Ceiling Fans
While a ceiling fan won’t make your room cooler, it will definitely make it feel cooler by speeding sweat evaporation and they cost far less to run than your air conditioner. If you don’t have ceiling fans already, they’re not very hard to install – check out your local home improvement store.
Once your fans are in, make sure the fan is set to spin in the correct direction: You want the air blowing down in summer and up in winter. If you’re not sure which way the air is moving, look at the blades as they spin: If the leading edge is higher than the trailing, it is pushing the air down.
3. Put In an Attic Fan
This one may require some professional assistance. An attic van gives you the combined benefits of moving air (like a ceiling fan) and pulling in the cooler air from outside. Of course, a prerequisite for running this is opening your windows, so the best thing is wait until after dusk to open your windows and then set the timer to run at least until after you’re deep asleep. It’s an investment that can easily pay for itself in a couple of years.
4. Shut the Blinds and Keep the Curtains Drawn
On hot summer days, the sun is your worst enemy. The last thing you want to do is have your air conditioner running full blast to offset the increase heat from the sunlight pouring in your windows.
5. Run Your Furnace Fan
Many thermostats will allow you to run the fan without initiating the furnace or air conditioner. By turning on your furnace fan, you cause the air to be circulated throughout the house, balancing out any cold or hot spots so that you whole house feels more comfortable.
6. Install a Programmable Thermostat
It doesn’t make much sense to cool your home while you’re gone, but it’s hard to remember to adjust your thermostat every day before you leave for work. Program your thermostat to go up by five degrees about 30 minutes or so before you leave and have it come back to your “normal” temperature a half-hour before you return.
7. Close Unused Vents
I don’t know about your house or apartment, but there are some infrequently-used rooms in our house. If you’re not going to be in a particular room very much or very often, consider closing the vent in that room so you’re not cooling dead space. That will cause more air to come out of the other open vents, potentially allowing you to add some cooling to a room that wasn’t getting it otherwise.
8. Turn Off the Lights
This isn’t really a suggested limited to summer, but it’s most appropriate now that it’s heating up. If you don’t need a light on, turn it off! All light bulbs generate heat as a byproduct of producing light. Also helpful - unplug unused appliances which also give off heat.
9. Hold Off On Cooking
Try to avoid using your stove and oven as much as possible. Turning the stove on while your air conditioner is running wastes money. Turning the stove on when you don't have air conditioner is going to add to the heat in the house. Try easy to prepare recipes that are chilled or don't require heat. Or better yet, go out to eat in a nice cool, air conditioned restaurant!
10. Go Underground
Basements can easily be 10 degrees cooler than the first floor. Finishing space to hang out in during the hot days of summer may be a great investment in terms of not only your comfort but helping with resale value down the road.
Most important during these hot days, increase your fluid intake and take it easy!
Tuesday, July 6, 2010
Nothnagle is Expanding to Dansville!
Nothnagle continues to expand with the recent merger with The Edmond Agency, located in Dansville, NY. In a joint announcement, Dan Edmond of The Edmond Agency and Nothnagle CEO Armand D’Alfonso shared the exciting news with their respective sales teams.
Broker/Owner Dan Edmond said, “It is our sincere pleasure to team with Nothnagle Realtors in order to enhance and expand our customer services. Nothnagle's customer-oriented resources are second to none, and The Edmond Team is proud to be part of this 1st Class organization! We are looking forward to meeting our customers' needs more efficiently and effectively as we continue to provide ‘Professional Service with a Hometown Touch’.”
“We are thrilled to have the Edmond Team on board. They are a very productive, experienced sales team, and we are all looking forward to providing home buyers and sellers in the Dansville, Wayland and surrounding areas with expanded services while continuing to deliver the same great service residents have come to know and expect from The Edmond Agency,” said Nothnagle CEO Armand D’Alfonso.
Shortly after Dan and his wife Ellen moved to Dansville, Dan began a part-time career in real estate in 1975 with the late Fran Henty. Then in 1999, The Edmond Agency was formed. The agency did so well its first year that Dan, a 30 year veteran teacher, took early retirement to focus on real estate full-time. “My years in education helped me become a better listener and problem solver, and these assets have proven invaluable in the real estate business,” said Dan Edmond.
The agents at The Edmond Agency have been a cohesive group for over a decade and are very active in the community, including Lions Club, Tri-County Family Medicine, Meals on Wheels, C.U.R.E, the American Red Cross, Noyes Memorial Hospital Foundation, NYS Festival of Balloons, Relay for Life, just to name a few.
In addition to the existing offices in Lakeville and Geneseo, the expansion into Dansville allows Nothnagle Realtors to now offer three convenient locations in Livingston County. The Edmond Agency has been the leader in Dansville, with 50% market share in the combined town and village markets. As a combined force, Nothnagle Realtors will have 36% of the listing market share throughout all of Livingston County. According to statistics from the Genesee Region Real Estate Information Service (GENRIS), the next closest competitor is at 13%.
The office will be open for business throughout the upcoming transition and will remain at the 202 Main Street location. By the end of July, it is expected at least 11 agents will be working from this location. Michelle Schlossel will serve as Senior Branch Manager, and Andrew Kachaylo, Branch Manager, of the Nothnagle Dansville Branch. Dan Edmond will remain on as an Associate Broker.
Broker/Owner Dan Edmond said, “It is our sincere pleasure to team with Nothnagle Realtors in order to enhance and expand our customer services. Nothnagle's customer-oriented resources are second to none, and The Edmond Team is proud to be part of this 1st Class organization! We are looking forward to meeting our customers' needs more efficiently and effectively as we continue to provide ‘Professional Service with a Hometown Touch’.”
“We are thrilled to have the Edmond Team on board. They are a very productive, experienced sales team, and we are all looking forward to providing home buyers and sellers in the Dansville, Wayland and surrounding areas with expanded services while continuing to deliver the same great service residents have come to know and expect from The Edmond Agency,” said Nothnagle CEO Armand D’Alfonso.
Shortly after Dan and his wife Ellen moved to Dansville, Dan began a part-time career in real estate in 1975 with the late Fran Henty. Then in 1999, The Edmond Agency was formed. The agency did so well its first year that Dan, a 30 year veteran teacher, took early retirement to focus on real estate full-time. “My years in education helped me become a better listener and problem solver, and these assets have proven invaluable in the real estate business,” said Dan Edmond.
The agents at The Edmond Agency have been a cohesive group for over a decade and are very active in the community, including Lions Club, Tri-County Family Medicine, Meals on Wheels, C.U.R.E, the American Red Cross, Noyes Memorial Hospital Foundation, NYS Festival of Balloons, Relay for Life, just to name a few.
In addition to the existing offices in Lakeville and Geneseo, the expansion into Dansville allows Nothnagle Realtors to now offer three convenient locations in Livingston County. The Edmond Agency has been the leader in Dansville, with 50% market share in the combined town and village markets. As a combined force, Nothnagle Realtors will have 36% of the listing market share throughout all of Livingston County. According to statistics from the Genesee Region Real Estate Information Service (GENRIS), the next closest competitor is at 13%.
The office will be open for business throughout the upcoming transition and will remain at the 202 Main Street location. By the end of July, it is expected at least 11 agents will be working from this location. Michelle Schlossel will serve as Senior Branch Manager, and Andrew Kachaylo, Branch Manager, of the Nothnagle Dansville Branch. Dan Edmond will remain on as an Associate Broker.
Monday, July 5, 2010
6 Summer Maintenance Tips
As we've suggested in several previous posts, regular home maintenance helps prevent or postpone costly repairs down the road. It's summer and in addition to gardening, mowing and other yard work, it's also a great time to do some home maintenance projects while the weather is nice.
1. Wash exterior siding with a garden hose and mild detergent. Do not power wash! The force of the water can potentially damage siding or trap water underneath that could lead to mildew. If washing with the hose is not sufficient, you may want to consider hiring a professional instead of doing it yourself with the power washer.
2. Caulk seams around your windows and doors in order to help with your energy costs. The caulk will keep the cool air in when you're running the A/C and prevent drafts in the cold winter months. It's also effective at preventing insects from getting into the home.
3. Clean and seal decks. Now you can break out the power washer! Power washing your deck with a mild detergent will help remove all of the debris and build up prior to sealing the wood. Make sure the wood is completely dry before applying the deck sealer and try to apply when you know there is going to be a couple of rain-free days in the forecast.
4. Repairs cracks in your concrete sidewalk or patio. For most minor cracks, applying concrete caulk will work. Make sure the cracks are clean of all debris (use a hose or washer) and let dry before applying caulk. For larger cracks or damage, you may need to use a concrete patch.
5. Clean and repair your gutters. Not always a fun job but the payoff is huge. Clogged downspouts or water leaking on or close to your house can cause major damage.
6. Have a certified chimney sweep inspect and clean chimneys. This way you will be ready to go when the cold weather returns.
Nothnagle Realtors offers various home-related services through our Home Services department. Our coordinators can help match your job with the right professional within your budget. Call or email today!
1. Wash exterior siding with a garden hose and mild detergent. Do not power wash! The force of the water can potentially damage siding or trap water underneath that could lead to mildew. If washing with the hose is not sufficient, you may want to consider hiring a professional instead of doing it yourself with the power washer.
2. Caulk seams around your windows and doors in order to help with your energy costs. The caulk will keep the cool air in when you're running the A/C and prevent drafts in the cold winter months. It's also effective at preventing insects from getting into the home.
3. Clean and seal decks. Now you can break out the power washer! Power washing your deck with a mild detergent will help remove all of the debris and build up prior to sealing the wood. Make sure the wood is completely dry before applying the deck sealer and try to apply when you know there is going to be a couple of rain-free days in the forecast.
4. Repairs cracks in your concrete sidewalk or patio. For most minor cracks, applying concrete caulk will work. Make sure the cracks are clean of all debris (use a hose or washer) and let dry before applying caulk. For larger cracks or damage, you may need to use a concrete patch.
5. Clean and repair your gutters. Not always a fun job but the payoff is huge. Clogged downspouts or water leaking on or close to your house can cause major damage.
6. Have a certified chimney sweep inspect and clean chimneys. This way you will be ready to go when the cold weather returns.
Nothnagle Realtors offers various home-related services through our Home Services department. Our coordinators can help match your job with the right professional within your budget. Call or email today!
Saturday, July 3, 2010
Tax Credit Still Available for Eligible Military
Military personnel who have served overseas for at least 90 days during any part of 2009, will have an additional year to buy their homes and still qualify for the tax credit. Intelligence service and foreign service personnel also are eligible.
Armed services members will have until April 30, 2011, to be under contract, and June 30, 2011, to close.
For military and other covered personnel, another benefit is a waiver on the time of occupancy of the home purchased with the tax credit. Homebuyers who purchase their home using the tax credit must use that home as a principal residence for a period of no fewer than three years, or must forfeit the entire credit. Military, intelligence and foreign service members do not have to repay the credit if they have to sell their home after fewer than three years occupancy due to official business.
The second benefit for military personnel looking to buy a home is the traditional VA Mortgage. Some of the highlights that make the VA loan attractive one are:
Two of the major hurdles for homebuyers today are accumulating sufficient liquid assets and credit scoring imperfections. The VA Mortgage lowers both hurdles considerably.
For more information, contact a Nothnagle agent or one of our mortgage partners.
Armed services members will have until April 30, 2011, to be under contract, and June 30, 2011, to close.
For military and other covered personnel, another benefit is a waiver on the time of occupancy of the home purchased with the tax credit. Homebuyers who purchase their home using the tax credit must use that home as a principal residence for a period of no fewer than three years, or must forfeit the entire credit. Military, intelligence and foreign service members do not have to repay the credit if they have to sell their home after fewer than three years occupancy due to official business.
The second benefit for military personnel looking to buy a home is the traditional VA Mortgage. Some of the highlights that make the VA loan attractive one are:
100% financing! That’s right…..100%! You can buy a home with no down payment.
The Seller can pay your closing costs as an incentive to induce you to buy their home. That means you don’t need to come up with that money either.
No Reserve Requirements means you don’t need to have any real savings at all to buy a home with a VA loan. (Now, that doesn’t mean you shouldn’t have money in the bank before you buy a home, but it does mean you don’t have to.)
More liberal understanding of credit challenges (i.e. lower credit scores).
Two of the major hurdles for homebuyers today are accumulating sufficient liquid assets and credit scoring imperfections. The VA Mortgage lowers both hurdles considerably.
For more information, contact a Nothnagle agent or one of our mortgage partners.
Thursday, July 1, 2010
How to Display the U.S. Flag
Did you know that there is an official Flag Code? Along with the Pledge and National Anthem, it also covers the proper displaying of the flag. The Code names several days, including Independence Day, as a day when it is "especially important and desirable" to fly the flag.
If you have a flag pole, or are considering installing a flag pole, it is customary to fly the flag from "dawn to dusk." A flag can be flown 24 hours but must be properly illuminated at night.
When hoisting a flag onto a pole, in the morning it is to be raised briskly and lower more slowly and ceremoniously at the end of the day. If displaying with other flags, the U.S. flag is always raised first and lowered last. It is to be placed higher preferably than the others but if that is not possible, it is always placed to the right.
Some additional requirements/prohibitions involving the flag:
* It is only to be flown upside down as a distress signal.
* Should never be used as drapery or as a receptacle.
* When lowered, no part should every touch the ground or any other object.
* When worn out, the flag must be destroyed by burning in a dignified manner. Check with your local American Legion Post or Boy/Girl Scout Troop. They often have ceremonies - especially on Flag Day, June 14 - to properly dispose of worn flags.
When flying the flag at half-staff, it should be hoisted to the peak for an instant, then lowered to the halfway position. On Memorial Day, all flags are supposed to be flown at half-staff until noon, then raised into position.
On behalf of everyone at Nothnagle Realtors, best wishes for a safe and happy Independence Day!
If you have a flag pole, or are considering installing a flag pole, it is customary to fly the flag from "dawn to dusk." A flag can be flown 24 hours but must be properly illuminated at night.
When hoisting a flag onto a pole, in the morning it is to be raised briskly and lower more slowly and ceremoniously at the end of the day. If displaying with other flags, the U.S. flag is always raised first and lowered last. It is to be placed higher preferably than the others but if that is not possible, it is always placed to the right.
Some additional requirements/prohibitions involving the flag:
* It is only to be flown upside down as a distress signal.
* Should never be used as drapery or as a receptacle.
* When lowered, no part should every touch the ground or any other object.
* When worn out, the flag must be destroyed by burning in a dignified manner. Check with your local American Legion Post or Boy/Girl Scout Troop. They often have ceremonies - especially on Flag Day, June 14 - to properly dispose of worn flags.
When flying the flag at half-staff, it should be hoisted to the peak for an instant, then lowered to the halfway position. On Memorial Day, all flags are supposed to be flown at half-staff until noon, then raised into position.
On behalf of everyone at Nothnagle Realtors, best wishes for a safe and happy Independence Day!
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