So when it's time to make the important decision of buying or selling a home, it's smart to turn to a professional who can get the job done. And that's me, with Real Living. We're the family-owned company you can trust.

The help I offer for homesellers.

If you're selling a home, I will help you achieve your goals in the shortest amount of time, with the least inconvenience possible.
Help establish a reasonable selling price for your home within its fair market value.
Market your home through the Multiple Listing Service (MLS).
Counsel you on the visual presentation of your property and suggest ways to enhance its marketability.
Coordinate the advertising of your home using Real Living HER, industry-leading marketing technologies.
Pre-qualify buyers when possible.
Coordinate the details of your closing with all parties involved.
And last but not least your home is sold!!

10 Ways to Make Your House More Salable..

	1. Get rid of clutter. Throw out or file stacks of newspapers and magazines. Pack away most of your small decorative items. Store out-of-season clothing to make closets seem roomier. Clean out the garage.
	2. Wash your windows and screens to let more light into the interior.
	3. Keep everything extra clean. Wash fingerprints from light switch plates. Mop and wax floors. Clean the stove and refrigerator. A clean house makes a better first impression and convinces buyers that the home has been well cared for.
	4. Get rid of smells. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows.
	5. Put higher wattage bulbs in light sockets to make rooms seem brighter, especially basements and other dark rooms. Replace any burnt-out bulbs.
	6. Make minor repairs that can create a bad impression. Small problems such as sticky doors, torn screens, cracked caulking, or a dripping faucet may seem trivial, but they'll give buyers the impression that the house isn't well maintained.
	7. Tidy your yard. Cut the grass, rake the leaves, trim the bushes, and edge the walks. Put a pot or two of bright flowers near the entryway.
	8. Patch holes in your driveway and reapply sealant, if applicable.
	9. Clean your gutters.
	10. Polish your front doorknob and door numbers.

1.Price it right. Set a price at the lower end of your property's realistic price range.

2.Get your house market-ready for at least two weeks before you begin showing it.

3.Be flexible about showings. It's often disruptive to have a house ready to show on the spur of the moment, but the more often someone can see your home, the sooner you'll find a seller.

4.Be ready for the offers. Decide in advance what price and terms you'll find acceptable.

5. Don't refuse to drop the price. If your home has been on the market for more than 30 days without an offer, be prepared to lower your asking price.

1. Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, property taxes you pay, as well as some of the costs involved in buying your home.

2. Gains. Over last five years (1998-2002) national home prices have increased at an average of 5.4 percent annually. And while theres no guarantee of appreciation, a 2001 study by the National Association of REALTORS found that the typical homeowner has approximately $50,000 of unrealized gain in a home.

3. Equity. Money paid for rent is money that you will never see again, but mortgage payments let you build equity ownership interest in your home.

4. Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.

5. Predictability. Unlike rent, your mortgage payments don't go up over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will rise.

6. Freedom. The home is yours. You can decorate any way you want and be able to benefit from your investment for as long as you own the home.

7. Stability. Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity.

To get a Pre-approval now with Lynda Lawless click on the home in the shopping cart link below.

Typically Required FHA/VA Loan Documents

The following is a checklist outlining the commonly required documents for an FHA/VA loan. The items in bold are most commonly required for conventional loans.

(1)Last 2 years W-2's.

(2)Last 30 day period of pay stubs.

(3)Last 2 years Federal 1040's (all pages) for borrowers who are self-employed, as sole-proprietor, own 25% or more of a corporation or partnership, commission earnings representing 25% or more of annual income, or income from other non-employment sources.

(4)If employed less than 2 years and previously in the military, a copy of service discharge, or if previously a student, a copy of transcript.

(5)Name, address, phone number, and start and ending dates of employer(s) for last 24 months.

(6)Account statements for last 2 months (all pages) from all checking, savings, investment, and retirement accounts.

(7)Name, address, phone number of landlord(s) for past 24 months.

(8)For VA loans, Certificate of Eligibility and DD214.

(9)Bankruptcy in last 10 years, a copy of the discharge (all pages).

(10)Divorce Decree and Separation Agreement to document financial liabilities and / or spousal support / child support.

(11)Gift funds permitted, but require very specific documentation. Consult HMC.

(12)Letter of explanation for any gap(s) of employment during past 24 months.

(13)Letter of explanation for any derogatory credit, collections, liens, or judgments.

(14)Letter of explanation for large deposits on bank statements not identified as pay roll deposit or transfer from another account.

This list is not all encompassing, but certainly covers the vast majority of typical documentation or information needed to obtain full loan approval. The items in bold (01, 02, 05, 06, & 07) are the most common and most basic items required.