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Jackie Spiro | https:||www.simplifyingthemarket.com|?a=258689-817 Blog

Monday, June 29, 2015   /   by Jackie Spiro

Should I Purchase an Older Home or a Newer Home?

What type of Home is the BEST one to purchase, a newer home or an older home? A buyer called today really confused about what type of home they should purchase. They had been out looking with another agent all day and did not find anything they liked. There were calling about one of my new listings. After a brief conversation they really were not sure what they wanted, what the liked or whether they could even purchase a home. As with any caller, the first 2 questions are do you have a buyer broker and have you been pre-qualifed for a mortgage?
This Buyer was out looking at homes, they had not signed a buyer broker agreement and had not even been pre-qualifed yet..... What was that agent thinking? I can tell you the buyer was not thinking anything was wrong, because they were not sure how the first time buying process even worked.
The first thing I did is get them to meet. I told them the benefits having a buyer broker. They hired me on the spot. I had them speak ...

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Friday, June 26, 2015   /   by Jackie Spiro

Avoid a Leaky Roof

The Leaky Roof Surface
As the roof surface ages, it wears and becomes less and less reliable. Eventually it may leak. But not only old roofs leak. One of the most common causes of roof failures is poor workmanship during installation. The reason this is not readily apparent is that it often takes a few years for a poor installation to manifest itself in a leak. By this time it is all too easy to point the finger at wear and tear.

A leaking roof can be disruptive and costly, causing damage to interior finishes. In some cases it is easy to determine the cause and in other cases it can be difficult to diagnose. In some cases a roof leak will only occur with specific weather conditions. Let’s try to make some sense of this mystery.
Sloped Roofs Shed Water
Sloped roof systems are designed to shed water from one shingle to the next down to the roof edge. Sloped roof systems are not waterproof. Understanding this concept is the first step to understanding how a roof can leak. Flats ...

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Saturday, May 23, 2015   /   by Jackie Spiro

Houston One of the Fastest Growing Cities in the U.S. according to the U.S. Census Bureau

The U.S. Census Bureau released population estimates today that reveal America’s urban growth patterns over the last year. One of the big takeaways from an analysis of the data is that while people still throng to destinations such as New York, Los Angeles, and San Francisco, many cities in the Sunbelt are overtaking these urban hotspots in terms of population growth.
Here’s a table showing the 11 cities that are comparable in size to San Francisco but showed more growth—both in raw population number and percentage change—from 2013 to 2014:
Mark Byrnes / CityLab
The cities on this list are by no means the fastest growing cities in America. Some smaller towns have exhibited more staggering growth rates, partly because they have more room to grow. San Marcos, Texas, for example, grew at a whopping 7.9 percent rate, from 54,567 residents in 2013 to 58,892 in 2014. It’s been the fastest growing city for three consecutive years.
But we d; ...

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Sunday, May 3, 2015   /   by Jackie Spiro

Buying a House? Helping you understand Down Payment & PMI

If you're in the market to buy a home, you've probably heard the rule of thumb that you shouldn't buy a home unless you can put down 20% to avoid paying Private Mortgage Insurance (PMI). Why is 20% the magic number and what is PMI?
It's a fact that the more you put down, the lower your monthly mortgage payment and the less you'll owe the bank.  It's also a fact that homebuyers who put down at least 20% don't have to pay Private Mortgage Insurance, an added insurance policy that protects the lender if you are unable to pay your mortgage. As the borrower, you pay the monthly PMI premiums, and the lender is the beneficiary. However, if putting down 20% will deplete all of your savings and leave you with no financial cushion, it's probably not in your best interest.
Fortunately, when it comes to the size of your down payment you have choices – and a growing number of today's buyers are putting down between 5 and 10%. Sure, you'll have to pay PMI for a conventional loan wie ...

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Wednesday, April 29, 2015   /   by Jackie Spiro

Are you Living in a Healthy Home!

Surprisingly, one in five home owners consider their homes unhealthy, according to theHealthy Home Study of about 800 home owners conducted by Houzz.
So what makes a home healthy to home owners? The top indoor concerns of home owners in gauging a home’s health: Moisture, air quality, and cleanliness. The top outside concerns: Air quality, grounds safety, and soil quality.
The home owners surveyed perceived newer homes to be healthiest with having no allergens or mold and limited instances of insects and rodents.
“Healthy homes” are considered 20 percent to 60 percent less likely to have some indoor contaminates, like excessive dust, mold, or contaminates in the drinking water, the majority of home owners said. However, nearly a third of home owners confess their home has excessive dust or pet dander issues.
Home owners who rate their home as “non-healthy” are more likely to remodel (view chart to see most popular upgrades planned). For example, e ...

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