Tom and Christy Discuss First Time Home Buyers
The Curtin Team’s CEO, Tom Curtin and Director of Sales, Christy Smith explain the benefits for first time home buyers in today’s market. One of the biggest advantages of buying a home today is the stability and equity you get. Waiting a year or two can cost you tens of thousands of dollars in equity loss. And as rental rates continue to rise, a fixed rate mortgage payment stays the same. Also, many sellers and lenders are now offering to pay closing costs and buy downs on rates. Large down payments often scare off first time homebuyers, but some loans require as little as 3.5% down. As an example, the down payment on a $400,000 house can be as low as $14,000. And there are many ways to get that down payment including finding places in your budget to cut back and save, loans from family, or loans against a 401K to cover some or all it. The news of interest rate hikes shouldn’t scare off potential home buyers either. If rates go down, refinancing is available and if rates go up, you’ll be glad you locked in a lower rate.
Why You Should Work With A Team
On a successful real estate team, everyone has a specialized role that aligns with their skills. Agents are talented at contract negotiations and pricing. Administrative teams are talented at paperwork, details, and organization. Marketing specialists are talented at getting houses as much organic exposure as possible. Essentially, every team member provides value to the business by serving clients and always looking to help their teammates when possible. Over the years, many of the Curtin Team’s clients have expressed that they enjoy having a contact available to answer their questions, which is exactly what our team is available to do. Unlike solo agents who might be constantly busy and out in the field showing homes, our staff is in the office and able to help our clients with anything they need throughout the buying or selling process.
Working with a team means you get combined experience, which leads to smoother deals and less headaches. As a team, we invest in the best systems, tools, technology, knowledge, and talent available. We feel the scope of today’s real estate transaction goes beyond one person and that an agent acting on their own can’t possibly provide the level of service needed to get the job done well. This is why clients prefer team interactions, and previously solo agents are so glad they’ve found the right group once they’ve made the switch. An individual real estate agent won’t have the time, cumulative knowledge, or assets required to invest in the best tools and execute the marketing strategies required to give homes maximum exposure and quick selling times, but well-established groups can provide all of these and more.
As an agent working on a team, there’s greater fulfillment developing your inherent skills and being able to trust teammates to work behind the scenes for your clients. Many studies have linked employee happiness with customer satisfaction. A company’s ability to deliver a greater customer experience relies on hardworking team members who always look out for each other. When an agent works on a team, they enjoy a more balanced life. The work is divided and the responsibilities are shared. They can lean into their team for help when things don’t go their way, and they have a support system that brings the peace of mind that is so difficult to find when working alone. And most especially, their clients are happier. The stability, camaraderie, and effectiveness of real estate teams like the Curtin Team make everyone’s lives easier – both our clients and our agents included.
Mother’s Day Giveaway
Curtin Team partners with TBK Wellness Spa for a Mother’s Day Giveaway. TBK Wellness Spa is located at 408 Atlanta Street Suite 170 Roswell, GA 30075. Unlike national chains, TBK caters to the unique needs of each client. They take the utmost care to go above and beyond. Their philosophy is “our job is to take care of you, so that you can take care of others”.
In that spirit, Curtin Team is hosting a Giveaway for Mother’s Day, since mothers are the best care givers we know. Entry for the giveaway is simple – a like and tag on Instagram or Facebook.
Highlighting local businesses, like TBK Wellness Spa, is a priority for the Curtin Team. Curtin Team members don’t just work in the Roswell area, but live here too.
Rising Mortgage Rates Still At Historic Lows
Mortgage rates rose today, but rates overall are at historical lows. The average rate on a 30-year fixed mortgage is 4.47%, according to Bankrate.com, and the average rate on a 15-year mortgage is 3.64%. On a 30-year jumbo mortgage, the average rate is 4.48%, and the average rate on a 5/1 ARM is 2.96%. These rates are just averages and subject to change daily. For current rates contact your preferred lender.
During the pandemic we had historically low rates. The factors that most affect the rate increases today are inflation and economic growth. But rates can change for various reasons. Overall though, rates are expected to continue to go up this year.
Does this mean you should cancel your home buying plans? Absolutely not! Even though rates are higher than in 2021 they are still very low. 30-year fixed rates were in the high 5%’s just a few years ago.
Buying a home isn’t just about interest rates though, it’s also about making a lifestyle choice. It’s best to find right house for you when the time is right for you. Home values have historically risen and now is a good time to get in to your dream home.
Guide To Sorting Through Sentimental Items Before Moving
If you’re thinking about putting your house on the market in 2022, now is the time to start cleaning, purging, and prepping. The holidays may be the ideal time to get started while kids are home from school and family is visiting. It’s the perfect time to open up SPACE for what this new year will bring. While it might be easy to let go of those clothes that are out of style or the gadgets you were so excited about, but are now sitting at the back of your closet…never used, many people struggle with what to do with sentimental items. Pictures, cards and artwork from kids, items you’ve kept from loved ones now passed, even your own childhood memorabilia can bring up so many emotions! That’s ok! We have some tips for taking that emotional ride, making it fun, and in the end loving the result!
The Curtin Team has been in business for over 20 years and in that time, we have helped hundreds of clients prepare their homes for sale. Here’s our favorite method for sorting sentimental items before a move. Create an EVENT focused on going through these precious items in your home. Whether it’s all the items from your children, or from passed loved ones or a combination, now is the time to get people on board to help you.
These are our top tips for making this event fun and productive!
1. Schedule a time
2. Invite family
3. Make a SPACE
4. Make it FUN!
5. Gather supplies
6. Explain process
7. Do it!
Schedule a time: If you have 5 small to medium sized boxes you will probably be able to get through them in about 4-5 hours. Larger or more boxes are going to take longer. Just keep in mind, that most people underestimate how long it’s going to take.
Invite family: As with any event you want to invite people so they can carve out the time in their schedule. You can send an evite, paper invitation or just call people. Do what feels best to you! Explain in the invitation that you are planning to put your house on the market and it’s time to make decisions about items you’ve been holding onto. Let them know that you wanted to include them in the decision making and why. For example: I have items from when mom/dad passed that you may want to keep. Or for your children: I have items from your childhood that you may want to keep. Keep it light and fun, more of a party atmosphere.
Make a SPACE: You may want to sit at the dining room table, or just sprawl on the floor. Again, do what feels best to you but plan ahead of time and get extra chairs for the table or pillows to sit on the floor. Whatever will make it comfortable.
Make it FUN: This is our favorite tip because this process does not have to be miserable! Depending on the time of day have some yummy food for everyone …coffee and donuts if it’s morning, sandwiches at lunch, etc. Definitely have beverages too! Maybe some hot chocolate or wine ;). Turn on some fun upbeat music, light some candles. You know what we’re going to say next…whatever feels good to you!
Gather supplies: First on the list is garbage bags. Have scissors for opening boxes if needed, and bins/bags for each person so they can take away whatever items they decide to keep.
Explain the process: Let your family know you’re going to open the boxes one by one so everyone can see everything. This can be the most fun way because as you are looking through the items invariably you will have memories of fun moments from the past. Occasionally, it could also bring up sad memories…that’s ok. Let it out and then let it go. These are not items you want in your SPACE and there will be plenty of items that feel good to you. Focus on the good because you want to create a new SPACE that is uplifting and feels good when you walk in the door!! It’s great to keep items that are useful and sentimental so that you feel connected to your loved ones. If you have recently lost a loved one you might find it more difficult to part with their items right now. It’s ok to keep them until you feel better about letting go. Be gentle with yourself keeping in mind you are never going to forget this person or the experiences you shared with them regardless of which items you decide to keep!
Do it: Go through all the items and let it unfold however it unfolds. Keep only the items that REALLY resonate with you and feel good to you. A special note about photos – only keep pictures that really capture the event and feel good! Even if they are blurry or off center but are fun and uplifting…those are the ones you want to keep! If you have multiples of the same picture …like school photos, just keep one. When your event is finished throw the garbage away and make sure everyone takes the items they chose with them.
Now you can look forward to making wonderful memories in your new home!
A special thanks to our contributor and friend, Cheri Bartlett, owner of CEO Space, Inc. She specializes in helping clients organize and renew their space.
Here’s her contact info
CEO SPACE, Inc
Facebook: SPACE Simplify Purge And Create Ease
Grand Opening- Thank You!
We wanted to take a moment to thank everyone that came out to support us at our grand opening event on January 25, 2018, those who shared kind words and supported from a far! We could not do this without our amazing clients, vendors and of course our wonderful team!
We had such a wonderful time and hope that everyone that had the chance to celebrate with us did too. We are thankful for our business partners, together we all achieve more. We are grateful to those who took the time to come out and celebrate with us, the best part was having time to relax and enjoys one another’s company.
And for those who couldn’t make it, thank you for watching our video and we look forward to connecting soon. We expect 2018 to be our best year yet and thank you in advance for trusting us with your business and those you refer to us.
Watch the Video Now:
Home Styling | How to “Undecorate”
Home Styling | How to “Undecorate”
As I was packing away decorations after the holidays it occurred to me how similar the task is to home styling. It’s what I like to call “undecorating”. Undecorating is the process of removing personal and specific decorations, leaving behind a more neutral palette. Having a clean palette is important to attract potential buyers. When the slate is clean, buyers can imagine themselves living in the space.
As new year resolutions are made and we vow to get more organized, this is a wonderful time to start preparing your home to beat the spring selling rush. When you’re packing away holiday decorations go ahead and pack up family photos, decor and personal items. Not only will you be de-cluttering, but you’ll also get a jump start on packing items that you’ll have to pack later anyway!
Where Do I Start?
It’s easy to get overwhelmed, so start off easy. Begin with your junk drawers, closets and pantry. Make three separate piles: one that you keep, one for donation, and one that goes straight to the trash.
Closets should be about one third full so that prospective buyers can see the amount storage is available. Pack away clothing that’s not in season. Use storage baskets and containers in drawers, cabinets and the pantry for a simple and tidy look. Once you have tackled the de-cluttering you can focus on larger projects. Keep in mind that as the spring market approaches, the busier contractors get and the longer it takes to get on their schedule.
Use these easy tips and you’ll be able to stick to your New Year’s resolution and be ahead of the spring market!
Grand Opening Event | 2018 Kickoff
We’ve finally settled into our new digs and now we’re ready to celebrate! We are so excited to kickoff 2018 with all of you.
In early 2016 we took the leap in moving out of our cramped spaces at the KW Roswell office. We were literally working on top of each other! The Team found a temporary spot with plenty of room to grow (or so we thought). By Fall of 2017 we were, again, busting at the seams. We’ve always had the vision to have our Mega Agent Office in the heart of Roswell. What better place to be in the mix of all the hustle, bustle, and growth than on Canton Street? We’re nestled in a sweet little spot surrounded by a few historical Roswell landmarks, old and new businesses alike, and charming residences.
We truly feel at home here and can’t wait to open our doors to all of you to show our gratitude. Our Grand Opening event is for all to enjoy – Past, Present, and Future clients, our dependable vendors and partners, neighboring businesses and community, friends and family – we would not be here today without your support and trust! Did we mention that the the Mayor of Roswell will be there for a special ribbon cutting event, just to make it official? 🙂
As always, we’ll have food, drinks, great conversation, and fun. Tell us you’ll drop by: firstname.lastname@example.org
NEW Home of The Joanne Curtin Team | 1255 Canton Street, Ste. A & B | Roswell | 30075
Did You Buy a New Home Last Year?
What is Homestead Exemption?
If you purchased a home in 2017, you may want to know about this. A homestead exemption helps you save on taxes on your primary residence. This tax break helps remove part of the value of your property from taxation. This results in a lower property tax bill for you.
Who can take advantage of this?
You may apply for homestead exemptions if you own, reside and claim the property as you primary residence. There are also some income and age related exemptions for which you may qualify. You will want to file before April 1st of this year in order to take advantage of the tax break. Once granted, the homestead exemption is automatically renewed each year as long as your status remains the same.
For more info visit the GA Dept. of Revenue: Click Here
As always, if you have any questions, please reach out to us 678-287-4848.
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