The Bill Black Team - CBS Home Real Estate - Omaha, NE

Looking Back at 2011: Your Questions Answered

2012-01-18T10:46:00.000-08:00

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Now that 2011 is over and we can look back, it's a great time to reflect on some of the questions that I've gotten via e-mail recently. After 30 years in the business, it's always interesting to hear the thoughts of my clients and customers, as well as their questions.

How Long Will It Take To Sell My Home?

One of the questions I recently received was what is the most frustrating thing about being in the real estate business? Perhaps the most frustrating part of being a real estate agent is that I cannot predict the future. Unfortunately, I don't have a crystal ball that will tell my home sellers how long it will take to sell their home. All we can do as real estate agents is look at past data and figures to come up with the list price and most likely sales price. However, we never know how long it will take to sell a property. You just have to trust that I know what I'm doing with my level of experience.

We Can Help With FSBOs Too!

Another big frustration for real estate agents is when we show buyers and spend time with them looking for the perfect home and building a relationship, and the buyer panics about finding a house and purchases a for sale by owner instead. Even after 30 years, this is still very hurtful to me as an agent simply because I want to do my best for all of my clients. Many buyers don't know that they should call me even if they want to look at a FSBO (for sale by owner) because I can still help them negotiate the deal.

How Did 2011 Stack Up Compared to 2010?

Another question I got recently was how was the market from 2011 compared to 2010? December statistics just came out, and one of the interesting points was that the active sales price in 2010 was $170,000 and only $164,000 in 2011. In addition, the average closing time went up slightly from 68 days to 72 days.

Our real estate group did a little bit better in comparison with an average sales price of $205,000. This led to the question of whether or not I only deal with high-end real estate and the answer to that is no. In fact, the lowest sale that we participated in during 2011 was $50,000. We will work on any kind of property at any price range.

Does Dave Ramsey Endorse You?

I also received a question asking if we are endorsed by Dave Ramsey. The answer to that is yes. We have taken the Money Matters financial accountability classes two times now. We believe that you should have your financial house in order before buying a house. Dave Ramsey does endorse us, and we have been scrutinized heavily by him and his team.

Where Does CBS Home Rank, And Where Do You Rank?

Another inquiry I had was whether or not CBS Home is number one in residential real estate in the market? The answer to that is also yes. In fact, our agent team ranks number three in the entire company out of about 450 agents. That would put us in the top 10 agents out of our entire area.

Finally, someone asked me what I liked best about the real state business. I would have to say after 30 years that it's still the same answer I've always had. I get to help people make life-changing decisions and get to make new friendships. I love your referrals because they allow me to create new friendships. I met a lot of great people this year.

As always, if we can answer any questions about real estate or anything else, don't hesitate to call us. We love your referrals and keep e-mailing those questions.

Spotlight on Alaska – Thousands of Coastline Miles, Great Fishing and Gorgeous Vast Expanse

2011-12-30T13:07:00.000-08:00

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Sitting down with a true Alaskan, mayor of North Pole Douglas Isaacson, was a real pleasure and with all the interesting facts and information about the town, area and region – we just had to share it with you. So get ready to learn about a great state that, aside from a few really general things like “no daylight” and “whale watching”, not too many people really know too much about.

Winters in Alaska Are Fun!

Believe it or not, there is more to do in Alaska than to watch whales and wait for the few hours of daylight to pop around. Since North Pole, Alaska is considered the Christmas capital of the world, in a sense, the winter wonderland keeps its holiday stature all year round. Though you will not find skiing as a winter activity in the great state, you will find amazing ice sculptures that are created by artisans from around the world and celebrated globally. Here’s a link that shares the incredible designs and structures that are all centered on Christmas themes.

Living in the North Pole

Aside from Santa (you can catch a glimpse of him on the Santa cam here) people that live in the North Pole feel it’s a great place to live. Located in between two military bases, the city is Southeast of Fairbanks, Alaska.

Keeping with the Christmas theme and reputation for being Santa Claus’ hometown, you will find plenty of holiday decorations, year around. There are many street roundabouts that are decorated with candy cane light posts and thousands of lights.

One thing that proves very challenging for residents of North Pole is the cost of electricity. An astronomical $1000 or so each month to power (including heat) the average 2,500 square foot home is typical. Compared to the lower 48 states, this is almost four times as much in many cases.

If you do decide to move to the great state of Alaska, particularly to the North Pole area, the cost of an average home is currently about $225,000. Contrary to popular opinion, there is a reasonable amout of daylight in the region and even during the winter solstice when the days are shortest of the year, the extremely bright moonlight illuminates the entire area fairly well. Situated about 120 miles south of the arctic circle, North Pole does have limited daylight of only three hours but temperatures are deceivingly warmer than they may appear when you factor in the “what it feels like” scale. Where in the Midwest, for example, the wind chill factor might make a 37-degree day feel more like 20 degrees – the opposite holds true for this part of Alaska.

Hanging Out For Recreation in Alaska

There are a lot of beautiful aspects to life and time spent in Alaska – such as the extraordinary fishing industry and everything that goes along with it. Though not commercial fishing, there are plenty of opportunities for recreational fishing. To learn about licenses that are required by the state, visit the official Alaska website.

If you travel during the week of July 4th when it is hot and humid in most states, you’ll be pleasantly surprised by the comfortable temperatures and wonderful festive activities planned each year in the North Pole. The summer festival includes lot of fun for families, including a parade and fair-like atmosphere.
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If you are looking to explore new potential places to live or visit – you should definitely go to Alaska, making it a point to try to see as much as you can while there. Amid much natural vast beauty is the fabric of the region, it’s diverse cultural melting pot of people ranging from Native Americans to Russians and so many more. Considering purchasing a home there? Be sure to check with your local Realtor who can help you find the perfect agent up there with experience in anything from military moves to long-distance relocation and of course one that is well versed in the Alaskan landscape.

Financing New Construction: Locking in Low Interest Rates

2011-12-16T10:54:00.000-08:00

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There are 2 types of loans when you build a new home. There is the short term loan, also known as the “builder’s loan” or the “construction loan.” This is the loan for the construction of the home. Then, there is the long loan. This is the loan that pays for the home over a number of years. Since rates are at an all time low for this type of loan right now, it’s important to lock those rates in so they don’t’ climb on you in the coming years.

“Builder’s Best” Program

The “Builder’s Best” program acts as an insurance policy against future interest rate rises. You are able to lock in on an interest rate, based on today’s historic low rates. It can be locked in for 6 months, 9 months, or even up to a year.

The “Builder’s Best” program establishes a ceiling interest rate. That means whatever the interest rate is when the program is set up is the highest the interest rate will ever get. If the interest rate drops while the house is being built, you have the ability to adjust it to the lower interest rate, too. Once the house is 60 days from completion and the interest rate is down from what it was when the program was initially started, the buyer has the ability to re-lock the interest rate.

If the rates rise during the construction phase of the home, there is no worry of the interest rate on your loan rising. Once you lock in a rate it cannot go higher than that. You can even lock in a lower rate years down the road with a small fee.

How Much Does the “Builder’s Best” Program Cost?

Prices will vary from year to year, and even month to month. Currently, on the 10 year adjustable rate, all that’s required is a 1% deposit. Additionally, you will get that deposit back at closing. For a fixed rate “Builder’s Best” loan, there is a small fee. For example, for a $200,000 home you could expect to pay approximately $1,000.

Buy Discount Points for Additional Savings

There is a way to lower your interest rate even more and that’s through the use of discount points. Discount points are fees paid to a lender at closing to lower your mortgage interest rate. When using this strategy to bring your interest rate down, however, it’s important to make sure that the amount you’re paying for the discount points doesn’t exceed the amount you will be saving in interest.

Want to hang onto today’s interest rates tomorrow? The “Builder’s Best” program allows you to lock in today’s historic low interest rates. Even if the rates sky rocket in the coming years, you will be left paying the interest rates of today with this great program.

Keeping a High Credit Score: A Fundamental Element to Buying a New Home

2011-12-09T07:39:00.000-08:00

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One of the most important things when buying or building a new home is to have a good credit score. Yet, good credit takes time to build. Credit scores are important and need to be taken into consideration when doing any sort of financial planning. There are, however, some practical things you can do today and in the future to keep your credit score low so it’s low when you’re ready to buy or build a home.

Why are Credit Scores so Important?

With the changing economic times, credit scores are becoming more and more important. They are the barometer those lending money use to see if you are worth the risk of lending money to for a new home, or anything else you might consider asking to borrow money for.

Credit scores vary widely from 300 to 850. Anything you do where you borrow money, such as buy a new home or car, is influenced by your credit score. The higher your credit score is the better. It’s important to monitor your credit score so you know what it is and where you stand if you wish to borrow money.

How is A Credit Score Determined?

Each credit reporting agency has their own formula of how they determine a credit score. In general, however, a credit score is determined by:

1. Making Payments on Time (35% of score): Making a late payment can impact you for years to come. Always make your payment on time for great credit.

2. Amount of Revolving Debt (30% of score): The less you owe on your credit card compared to how much you can borrow on your credit card, the better. The ideal credit score has 2 or 3 lines of revolving credit. It’s not just credit cards that’s included in revolving debt, it includes any type of credit lines.

3. Length of Credit Accounts (15% of credit score): Have a higher available credit limit on fewer cards. This strategy will give you the amount of credit you need but will allow you to have a better credit score with fewer accounts opened in a short time period.

4. New Credit (10%): The term “new credit” as it relates to your credit score is a combination of “credit inquires” and opening up new credit. “Credit inquiries” are when you apply for a new credit card or line of credit and your credit has been checked. The last 90 days before you make a major purchase are the most important when it comes to credit inquires. Plan ahead and don’t apply for any form of credit before you make a big purchase so this inquiry doesn’t show up on your credit report.

The important thing with credit is remembering it’s not something that can be fixed overnight. So it is not something that should be taken lightly. It’s important to review each component of what makes up the credit score and practice good habits consistently in the long term. In the end, you will be left with great credit and the ability to buy the exact type of house you want when you want.

Check out these FREE forms to help you with your credit score:
- Where is Your Credit Score Heading?
- Credit Flyer

Nebraska Elite: A Workout All Its Own

2011-11-01T11:37:00.000-07:00

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Sometimes something great happens and you just have to take note of it. A new business has come to town and it’s so awesome it deserves an entire blog post all its own. It’s called Nebraska Elite and it’s just what the doctor ordered for both great health and a good time. Nebraska Elite is for both kids and adults.

There are many enhancements to the incredible Nebraska Elite facility that will be done in the next couple of weeks and ready for use in the Omaha area and make it a state of the art facility.

What Does Nebraska Elite Have to Offer?

Nebraska Elite has a lot to offer! At one time this facility just had volley ball courts. Now it is a state of the art work out facility with something for everyone, no matter what your workout level. They have a large weight room and intense weight equipment.

Nebraska Elite prides itself in the wide variety of full size courts it offers its members. There are several full size tennis courts. You can receive private lessons on these if you wish. There will also be 2 full court basketball courts. On these courts, we will have youth basketball programs, tournaments, and more. The basketball courts will offer state of the art basketballs, hoops, and scoreboards.

Volleyball courts will be found in abundance at Nebraska Elite. There will 7 of them total, allowing for specialized instruction, team play, league play, and much more for most of the year.

There is a pool for those who prefer to keep in shape by swimming laps or other forms of aquatic exercise. There is also a private aerobic area for those who prefer to keep in shape with aerobics. In addition, there is a group exercise room for activities like boxing and Zumba.

Specialized Training

One program Nebraska Elite is very excited to offer is the Y2E (Youth to Elite Enhancement) program. This will be run by select trainers with a separate membership for kids who are 8-18. It is for youth who are trying to enhance whatever sport they are involved in. It offers intense, specialized training.

Many of our other areas, such as tennis and volleyball, offer individual instruction, as well.

If you want a tour of the facility or would like to schedule a party at the facility, call Mike Ryder at (402) 706-4109. The address is 1212 N. 102nd Street.

Information Overload!

2011-09-13T09:54:00.000-07:00

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Life is much more complex than it used to be. The same can be said about real estate today. There are so many decisions to be made when it comes to buying or selling a home that just weren’t around several years ago. The sheer volume of information makes it hard to know what the right answer is.

Information…Overload?

We are bombarded with information today. Even when you sit down to watch the news, you can watch someone talking about the world’s latest events, while also reading one or two crawlers at the bottom of the screen giving you even more news from the day.

No matter what we do, we are bombarded with information. Even when you try to buy or sell a house, you can be overwhelmed with the amount of information out there and it can be downright paralyzing to make any type of decision.

Call on a Professional

Information overload with real estate is one of the main reasons you need to call on a professional who knows the industry inside and out, who can answer your questions with clarity so you know exactly what you are doing when you make the biggest investment of your life.

Finding the right professional is key, someone who knows the market inside and out and can give you the correct answer from the very beginning. A good real estate agent knows virtually everything about buying and selling real estate so you don’t have to. A good agent will also know key facts about neighborhoods, something that can go a long way in helping you either buy or sell your home. They will also provide wise counsel on pricing your home when you put it on the market. This is very important on whether your home will sell or not.

There’s no doubt we have information overload today. With so many things coming at us at once, it’s hard to know what the right decisions are when it comes to buying or selling a home. That’s why it’s important to call on a professional who knows the ins and outs of the real estate industry and can handle all of your home buying or home selling needs with the expertise you need.

Surround Yourself with Professionals When You Buy a Home

2011-09-09T08:25:00.000-07:00

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Buying a home is serious business. It’s not a job that should be taken lightly. There are a lot of people in the real estate business who have your best interest at heart, but there are some who don’t. That’s why it’s important to surround yourself with a team of professionals early in the buying process so you know exactly what you are doing when you buy your next home.

If you approach home buying as a job that should be handled professionally, you are much more likely to get a house you are proud to call home. A house is the largest investment you will probably ever make so it’s important to make a wise and informed decision.

Important Questions a Professional Can Help You Answer

• How much house can I afford?
• How can I find the best loan?
• Where will I come up with a down payment, and how much will I need?
• Should I buy a new or used home, and which will go up in value?

A Professional Will Help You Understand the Home Buying Process

A true professional wants you to understand what you are doing during the buying process. They’re interested in the relationship more than the commission. It doesn’t matter if you are buying a $1.2 million dollar home or a $25,000 trailer, they should treat you with the same respect. They should explain each step of the process in detail. If you don’t understand, you need to be able to ask for a clear explanation. In the end, you need to have a complete understand of the home buying process from start to finish.

A Professional Knows You are the Most Important Part of the Home Buying Process

When you are dealing with people who know more about certain things than you, it’s easy to get a little intimidated and overwhelmed. It’s important for you and your real estate agent to remember you are the reason for the business. Without you, the buyer, the transaction will never take place.

You can approach the home buying process with confidence when you are surrounded by a professional team. It makes everything run smoother and you will feel much more comfortable from start to finish.

A Peek Behind the Scenes at CBS Homes

2011-08-12T12:34:00.000-07:00

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Over the past year, I’ve shown you in detail how to build a house. I’ve talked about all the important details involved in the home building process and focused on things that are vital to a well-built house.

My sincere hope is that you have learned a lot about house and home building from these detailed videos.

Now, in the next several upcoming videos, we are going to switch things up and talk to people who are on the other side of the home building process. These are the people who are buying the homes, either to live in or invest in. They are the ones who are interested in and will benefit from all the hard work we have talked about that goes into building a home.

We will also talk to home builders. They are the ones who labor over homes and truly care about the fine details. We will hear their perspective of a house, from the inside looking out.

You don’t have to take my word for how important all these things are, you can actually hear it from those who know first-hand. It’s a behind the scenes look.

You can look forward to those in the upcoming weeks in the blog! It will help you learn and understand even more about the home building and buying process.

Awards and Reward: It’s All About Service

2011-07-25T08:49:00.000-07:00

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I am asked from time to time what awards I have won. Since my pictures shows up in the paper people wonder why. The awards that I win are always very special to me. They show that I am valued doing something I love.

Here are the awards I have won in the last year.

Top Sales

There are over 450 agents within CBS Homes. In April 2011 we won the award for All Company Top Sales. This award means our team sold the most homes out of all of the 450+ CBS Homes agents.
This award reminds me that our team is working hard and we know what we’re doing and we’re doing it well.

Top List

In June 2011 our team won the All Company Top Listing award. This means people have either been referred to us or have just called us after learning about us by some other means. People want someone who knows how to sell a house and they have come to us. As a result, we’ve won the top listing award.

It’s Not All About Awards…It’s About a Reward

We enjoy being good at what we do. We enjoy receiving rewards recognizing that fact, too. The reward we get from helping our customers is what we truly enjoy though. Sure, it sounds cliché to say that, but it’s true.

We enjoy taking the 28 years of experience we have and helping our customers make the best decision possible decision on the largest investment they will ever make: a new home. At the end of the day, that’s all that matters.

What’s Your Favorite Phone App?

2011-07-18T08:35:00.000-07:00

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Are you an app lover? Phone apps are all the rage right now and for good reason: they make life easier and more fun.

Do You Have an App You Love?

If you have a phone app you love, we want you to tell us about it! We know the power of apps and we love to learn about even more apps.

If you have an app you would like to share, email me at bill@cbshome.com. We will pick out the best phone apps and share them on our next video blog!

Our New Favorite Apps

I recently discovered freecaddy, a free app for anyone who loves to golf. It knows where all the golf courses are all over the United States. It actually acts as a GPS on the golf course. When you hit your golf ball and stand by it, the app can tell you how far away you are from the hole.

I also really enjoy slydial. This is perfect for those people in your life whom you love dearly, but often get caught on the phone with for way too long. In fact, they can unintentionally be real time drains if you let them. Sometimes, however, you need to get a message to these people.

Slydial actually bypasses that person’s ringer and goes straight to their voice mail. This allows you to get your message across quickly without getting trapped on the phone. Pretty cool, right?

Email me your favorite app at bill@cbshome.com and you might see it featured on our next video!

Corporate Relocation and The Future of Omaha

2011-06-30T11:14:00.000-07:00

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Bringing business to Omaha is important. That’s why The Bill Black Team offers corporate relocation as one part of our multi-faceted services. It’s about more than business, it’s about doing the right thing.

What does our corporate relocation service include?

An Education about Omaha

When you have recruited someone new to your Omaha-based team and are ready to bring them on, it can be tough to know what the next logical step should be. That’s where The Bill Black Team comes in.

When encouraging someone to uproot and move to Omaha, we recognize that’s a big step in a person’s life. That’s why it’s important to educate the person about Omaha. There are many things that make our city unique but those from out of town don’t know what it is until we tell them.

I spend a certain amount of time with someone who is considering relocating to Omaha just introducing them Omaha and telling them about what makes Omaha a great place to live. I answer any questions they might have about this area. This service is often overlooked by other builders, but is valuable to anyone who has ever relocated to a new area.

An In-Depth Tour of Omaha

How can I possibility tell someone how great Omaha is without actually showing them? I also give tours of Omaha. These tours can be short or as in-depth as they need to be until a potential new resident feels as confident and comfortable as they need to be to make the decision if Omaha is right for them.

I offer tours for:

• 4 hours
• ½ day tour
• All day tour
• One and a half day tour

Corporate Relocation: A Free Service

The right thing to do doesn’t need to cost anything. The Bill Black team doesn’t charge for corporate relocation services. We simply want to help others and, if they choose to move to Omaha, we hope they will allow us to help them with their housing needs.

Again, this is the right thing to do, so we may receive nothing in return and that’s OK.

Do you know someone whose business might be relocating them to Omaha? Or, do you just know someone who might be considering moving to Omaha, even if their job doesn’t require it? Whatever the case may be, our corporate relocation services may be just what they are looking for.

Why Use the Services of a Real Estate Agent?

2011-06-07T14:16:00.000-07:00

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This question is often asked, especially by homeowners who consider selling their homes by themselves.

The fundamental first answer to this question is that an experienced realtor is an expert at what he or she does. Through hard work and education, they’ve acquired a set of skills that make the process of home buying and selling a lot easier than it would be by doing it yourself.

So, what are the skills in the set I’m talking about?

Well, for one thing, we have the skill of being the go-between. We’re the people who handle people and calls and separate the “wheat” (real buyers) from the “chaff” (non-buyers) without you ever having to deal with such situations. In Internet terms, we make sure you’re not “spammed” with worthless offers and target real deals for you.We’re also the ones who save you a lot of time by making sure you’re looking at appropriate properties and neighborhoods right from the get-go.

And, speaking of neighborhoods, an experienced realtor will know them inside-out or will know how to find the latest information on them. That means he or she can get you into neighborhoods where the crime rate is low or non-existent, find you ones with great school systems, rising property values, etc.

By the same token, an experienced agent will steer you away from neighborhoods where the trends are downward; that is, rising crime, falling property values, and so forth.

And what about the prices of homes? Well, some people believe that we select them for our clients. Not true! We have no way of setting prices. They’re set by the market! However, we can guide you toward properties that fit your individual needs and are comfortably within your price range. Frankly, it’s not in our best interests to put you into a home beyond your means or that’s not right for you. When that happens, we lose clients and money!

So, we’ll do our best to work within your price range and, based on current information (market supply, demand, etc.), we’ll come up with the best negotiation strategy possible. Current information can include cost-per-square-foot of homes, ratios of list-to-sold prices, knowledge of the buyer/seller, etc. All this information is gathered by the agent and used to formulate solid offers.

Another important skill experienced Realtors possess is objectivity. We have the ability to stay out of the emotional process that often occurs with the buying and selling of a home. Instead, we present your case in the best light possible, all the while holding your information confidential from any competing interests.

One realtor skill that’s often not apparent is our ability to network with other service providers (housing inspectors, title companies, etc.) Professionally, we can’t recommend one specific vendor over another. However, we do keep lists of vendors with excellent reputations as well provide references for the vendors. This service allows you to choose the best provides for your particular situation.

Now, here’s one realtor skill that everyone truly appreciates – the ability to handle tons of paperwork! Today, purchase agreements can run 10+ pages, and that doesn’t even include all the state and federal disclosure statements that are required in the current market! Heck, a real estate file can end up being 2-3 inches thick with paperwork these days!

And it’s not only the heavy paperwork handled by realtors; it’s also the attention to detail within that paperwork. It’s their job (or a lawyer’s, depending on the state) to make sure all the information is correct because if it isn’t, it can end up costing the client hundreds of dollars.

So, as you can see, there are many reasons why it’s wise to use an experienced Realtor for the purchase or sale of a home! To find out about the services I haven’t mentioned in this article, contact me today.

What's a CRS

The Certified Residential Specialist (CRS) is the highest Designation awarded to sales associates in the residential sales field. The CRS Designation recognizes professional accomplishments in both experience and education.
Since 1977 the Council of Residential Specialists has been conferring the CRS Designation on agents who meet its stringent requirements. Currently, there are more than 30,000 active CRS Designees.

About CRS

Why Use a CRS?

You have a valued client moving to another state. But you don't have any REALTOR® contacts there. How can you find another REALTOR who has the appropriate education, expertise and professionalism and who will care about your client's needs as much as you do? With nearly 30,000 CRS Designees located throughout the country, it’s easy to find just the right professional for the job.

More important, they are pre-qualified for your clients. As CRS Designees, they have completed advanced training in residential real estate and have a proven track record of sales transactions required to earn the CRS Designation.

Like you, they are consummate professionals. And you know your client is being cared for as if you were their REALTOR® in the new city and state.

The Final Phase of the Building Process: The Final Inspection

2011-05-31T11:47:00.000-07:00

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You’re almost to the finish line! Your new home is built…you’re almost ready to move in! But wait…there are a few final hurdles to cross when it comes to inspecting your home. Here are a few important things to know and make sure your home is just where it should be so it is as beautiful structurally as it appears to be.

The Final Inspection

Final inspections are performed five days or a few hours before closing the sale. The main purpose of a final home inspection is to make sure the home is in as good of condition as agreed upon, that repairs were made and no changes have been made that have not been included in the final negotiations.

A good “check list” for a homeowner to perform during a final inspection would include:

• Check every light fixture to see if it is functioning by turning it on and off.
• Check for possible water leaks by opening faucets and looking under sinks.
• Make sure appliances are functioning properly by turning them on and off.
• Inspect door hinges by opening and closing doors and windows.
• Flush toilets to ensure that they are not clogged.
• Check walls, floors and ceilings for cracks or leaks.
• Turn on exhaust fans and garbage disposal.
• Turn on air conditioning and heating to test if they are functioning properly.
• Debris should be removed from the house.

Multiple Inspections

If your homebuilder only gives your new home one inspection, they are doing something drastically wrong! Different experts in different fields need to examine the various areas of your new home.

After a home is built it should be inspected several times. These include:

• Footing Inspection
• Framing Inspection
• Electrical Inspection
• Plumbing Inspection
• Insulation Inspection
• Final Inspection

The “Punch List”

The tasks that need to be completed to satisfy the terms of the contract are frequently referred to as “the punch list.” They are usually a result of the final phases of construction as people walk through the site notice deficiencies that need to be resolved.

Make sure you get your contractor to complete your punch list before you close. Some builders make promises of completing things and then disappear after the contract is complete.

There are many decisions to make as the final stages of the building process of your new home come to a close. Your home inspection is a crucial component to make sure your home is properly constructed. Make sure you keep the important elements in mind so nothing is overlooked during this last phase of the building process.

Decks and Deck Construction: The Nuts and Bolts of a Good Deck

2011-05-16T07:17:00.000-07:00

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A deck is a place that can be enjoyed by the whole family. It can surround a pool or just be a place to escape in a grassy backyard. There are a few things to remember as you build your deck to make sure it is properly built and as safe as possible.

Use a Heavy Duty Post

The best type of post to use when building a deck is a 6’x6’ post. This is very secure and will make a safe and sound deck. Many builders use 4’x4’ posts but these simply are not secure enough to hold the weight a deck presents. When picking materials for your deck, also make sure you select cedar or treated lumber for your deck.

Spacing in Your Deck

You also need to make sure you have proper spacing between the planks on your decks. Typically you would like to have them the width of a 16 penny nail. The reason for this spacing is to allow for the wood to expand and contract. You don’t want the wood to push on each other and cause damage over time.

The Best Place for Your Balusters

Make sure your balusters are installed correctly. This is frequently overlooked by many builders. Most builders put the balusters on the outside of the railing. This does not leave the railing secure enough to hold the banging and pressure that could be put on them by small children or other things that could push or pound against them. They should be put on the inside of the railing to be as secure as possible.

The Importance of Footing

The footing on the deck is also important. Going four foot into the ground is a good recommendation. It’s very important to have a firm foundation since the deck itself will be heavy and will also hold a lot of weight, too.

Things like post thickness, spacing in your deck, baluster placement, and your footing are all important considerations when you build your deck. When you take into consideration the important safety factors in these aspects of your deck, your family can enjoy it for years to come.

Landscaping Tips for Spring – How to Care For Your Home’s Exterior

2011-05-03T12:51:00.000-07:00

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It’s that time of year again when everyone will be seen working on their yard! What exactly does your yard say about you? Is it messy, unkempt and in a total state of disarray? Or has it been meticulously manicured to a level that even glossy magazines couldn’t compete? No matter where you fit on the spectrum of the landscaping scales, there is no question that the exterior appearance of your home is an important one. Too many homeowners neglect to look after the very first noticeable part of their abode – so here’s how to make sure you are not one of them.

Time to Spring Clean Up Last Year’s Messes

That’s right. Very often by the time this year’s snow melts, we tend to find last year’s garden messes all over the place. Maybe that first snowfall was enough to make you hang up the rake and wait it out till the following season, but too often there are many things left behind. Anything from garden tools, piles of left over (and very moldy) mulch or an old garden statue that you meant to put away in the shed before the snow set in – all these things can tend to look very bad after a season of ice and cold. And if you’re in a warmer climate, things sitting in the yard for so long just keep gathering more dirt and grime, making your front (and back) yard look like a major eye sore.

Make a Plan, Check It Twice and Implement It

Many times an over-zealous homeowner will make a trip to the home and garden store, buy everything they see in the main aisles, that are currently being hyped by the store, and then end up back home with no plan in sight as to how to implement it. By carefully reviewing the space you have, taking notice of the areas that need more help than others and realizing where the opportunities lie for you to enhance your outdoor space, you will be in a better position in the long run. Use the help of the technicians and associates at the home and garden store, since they are very well versed with these projects and have a lot more experience.

Invest In Some Help

Unless you are an avid lawn and garden enthusiast, have all the time in the world or are just not too concerned about perfection, it would be a good idea to invest in some help. By hiring a landscaping company to jumpstart the look of your home’s exterior, you will benefit from the high-quality and often expensive equipment that you may not own plus the knowledge and expertise of skilled, quality craftsmen and women. Landscapers also offer a maintenance plan where they come during the week at pre-set times and make sure the lawn is kept up.

Water the Plants, Shrubs and Trees

Thirsty vegetation can be seen from a mile away. Instead of having dry, cracked and brittle brown leaves and grass, be sure to water your lawn, the surrounding leaves and greenery with enough water to sustain it. Whether you install a complex sprinkler system or a purchase a $20 single unite that you need to manually move around throughout the day and weekend, the important thing is that your greens stay green.

Make the Space Pretty, Or At Least Easy on the Eyes

With just a few simple enhancements you can make all the difference in the curb appeal of your home. Retouching the fence paint, trimming the hedges to a reasonable height, removing all extra items, planting seasonal plants and flowers (especially along the walkways) or including interesting garden elements – are all ways to enhance the space.
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As long as you realize that the landscaping of your home is just as important aesthetically as the interior, you will begin to make changes that will improve the overall look and feel of your house. Not only will it be more enjoyable to spend time outdoors, but it will also be a source of pride for you when visitors (and neighbors) comment on the fabulous look you have going!

Doors, Casing, and Baseboard: Small Details that Add Beauty to Your New Home

2011-04-11T10:42:00.000-07:00

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Selecting the doors for your new home is important. Surprisingly there are several to choose from to give your home the look and durability you want. The same is true for the casings and baseboards in your new home. They provide a touch of flair, as well as a layer of protection.

The Door

There are several different types of doors you can choose when you decide on a door for your new home. Your most basic door is a hollow core door. That means the inside of the door is actually hollow. This is an inexpensive option because overall you are paying for less wood.

Paneled doors are another option you have. You can select how many panels you want for your door. These will be more expensive because they have some wood inside, but they offer the option of your door hinge of being firmly bolted into solid wood. This allows for a much tighter fit of the door.

It’s also important to properly shim your door. With a securely installed jamb, a door is less likely to sag from frequent use.

The right door fittings and locks will enhance your property by adding to its value, keeping it secure, and improving its appearance. There is a huge range of door hardware available that has been made to suit all types of homes.

Casing

Case molding sets a definition of the overall style of the room. They are used primarily to cover up the gap between the drywall and the door or window frame. They are smaller than base molding or the baseboards.
Casing is the wood that goes around doors, including closet doors. There are different widths and styles. They can be used in conjunction with other architectural elements such as headers, rosettes, and plinth blocks.

Baseboards

Baseboard molding is a type of decorative molding that is installed at the bottom of a wall against the flooring in order to finish the region where the area of the wall meets the floor. Choosing your baseboard molding is important because it helps determine the architectural finishing of the house. From an aesthetic perspective, it is important to choose baseboards that will work harmoniously with your door and window casing.

A typical home uses baseboards from 2' to 6' deep from top to bottom. Usually, they are sold in long pieces (around 8', 10', and 12'). Make sure you measure carefully what you need and consider adding extra when you buy them. Choose shock resistant baseboard which can give you a maximum long-term protection against scratches and dents. This is especially useful if you're installing baseboards for high traffic areas.

Casing and baseboards provide both style and a safeguard for your walls in your home. There are several considerations when you select them for your new home you need to keep in mind. At the same time, doors also come in a variety of styles and you need to consider what type best meets your home’s needs.

Showers and Ceramic Tiling: Choosing a Shower but Keeping Things Dry

2011-03-31T06:57:00.000-07:00

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Choosing a new shower is an important decision when you build a new home. Making sure the shower is installed correctly is even more important. Ceramic tiling in a shower and on a floor is vital to put in correctly to prevent future water related problems.

New Trends in Showers

The new trend is showers are the large Roman showers. Many people are getting away from the traditional fiberglass showers that were so popular for many years. A number of people are also choosing to forgo the large whirlpool tub and invest that money in a nicer shower.

You can choose a variety of options when it comes to a shower, including size and number of shower heads. In fact, you can make your shower almost like a car wash when you walk in, if you want!

Shower Ceramic Tiling

It is very important that your ceramic tiling is water tight in a shower. To do this properly, you will need to install a mudpan. This is a fine concrete that is sealed tight around the drain on the shower floor.

Once the mudpan is installed, you will then lay a thick rubber product, similar to a waterbed mattress liner, above the mudpan. This means if there is even the least amount of seepage through the tile, it will pool and go immediately down the drain. This leaves no worry of water damage down the road.

Ceramic Tile Floor

When you install a ceramic tile floor, make sure you have a good concrete base. You can both glue and screw down concrete boards to make sure they are secure. Once the concrete is on firmly, you can lay the ceramic tiles.

If the floor is not completely flat, the floor will be “spongy” and the tiles will break. Or, if water gets on the floor, it will seep into any cracks that might be present in the tile that most certainly will exist due to the poorly placed tile. This can cause many problems down the road.

Choosing a shower is important. You also need to make sure that you or whoever is installing your shower and ceramic tiling that will surround it is skilled in this area. It is a delicate balance to keep wet places wet and dry places dry.

Carpentry in Your New Home: The Foundation of a Well-Built Home

2011-03-11T14:31:00.000-08:00

There are so many components that go into a well-built home. One that should not be overlooked is solid carpentry. If your builder shies away from this important part of your new home, it may be time to look elsewhere because this can make all the difference in a well-constructed home.

The Beautiful Bannister

One of the great skills a carpenter can offer to a new home is the stairwell banister. Many people don’t understand all the hard work that must go into the construction and installation of a well-crafted banister.

Each handrail must be sliced up into thin slices, similar to a loaf of bread, then delicately glued and clamped together, and finally sanded down to give it the unique style and sophistication that often “wows” those who enter a new home.

The look of the banister is actually only a small portion of what goes into putting it into a home. In fact, the installation is just as important, if not more so, than the visual appeal. The base of the pole must be cut into the tread of the bottom stair and bolted directly into the floor joist. This gives the banister a stability that can’t be matched by any other method.

Once it is securely fixed into that bottom step, it is important to firmly glue the rail into the step and then wrap the carpet or wood around for a banister that is as aesthetically pleasing, as it is secure.

Doors – More Than Just a Barrier

Properly installing a door is more than just about affixing a door to a doorframe. Center the door, take shims that will fit together and then nail it together. This needs to be done at all of the hinges for the securest fit. In addition, you should do it on the right hand side at the door’s opening at the top, bottom, and the door lock. This will allow for a door that shuts solidly, doesn’t rattle, or come open at inopportune times.

Cabinets – Storage Solutions with Many Options

There are 2 types of cabinets you can purchase:

Factory-Made Cabinets: These can be purchased as “boxes,” that is without the doors already installed. The “boxes” can be somewhat customized for the dimensions of your kitchen.

Custom-Built Cabinets: Some builders will actually build your cabinets on site and make them to your exact specifications. You will be allowed to design your entire cabinet storage solution and the builder will create the kitchen around the cabinets you design.

The internal details of the cabinets matter, too. Many are built with skinny veneer backings that are bolted to the wall. Over time, heavy contents in a cabinet can weigh it down and the cabinets themselves can actually fall. That’s why it’s important to use high quality wood throughout your cabinets.

Cabinet drawers are also something that shouldn’t be taken lightly either. It’s easy, over time, for these doors to get slammed and damaged. By installing the soft close type drawers, they are protected from the harmful effects of hard shuts and the possibility of the fronts of the cabinets eventually falling off.

Cabinet Lighting –Where Should it Be?

There are 2 considerations about lighting when it comes to new cabinets:

• Where do you want your light switches: on the wall or under the cabinets? The answer needs to be determined sooner rather than later.
• Where do you want your lighting? Under counter light or above counter lighting? Both offer visually stunning affect in many kitchen settings.

There are a number of considerations when it comes to cabinetry in a new home. Careful consideration should be given to the build you select and each detail where woodworking is involved should be done to the highest quality.

The Bill Black Team: Voted #1 for CBS Home New Construction in Omaha

2011-02-28T09:07:00.000-08:00

We want to thank you, our loyal customers, for allowing us to serve you in your new home construction needs over the last year. We also want to thank you for the incredible honor we received a few nights ago when we were awarded as being #1 in new construction within CBS during 2010.

Why is this so significant? CBS Homes is the number one real estate company in Omaha. Being awarded an honor like this by CBS is incredibly humbling to us. We realize that others truly do recognize our commitment to superior quality in the homes we build.

I think one reason we won this award is because we do the absolute best that we can. We are also extremely knowledgeable about new construction. I surround myself with people who are also very knowledgeable about the construction business and are committed to excellence, too. This is an often overlooked part of being really good at what you do: a team that shares your vision and knowledge.

We wanted to devote an entire blog post and video to just thank you for this award. Next time we will get back to discussing how to build a great home. This time it’s all about gratitude from us to you. Next up in our series, we will discuss trim and cabinets and how to make them beautiful and securely installed.

Thanks again.

Steps to Building a Home: Warranties

2011-02-11T07:34:00.000-08:00

Just because your house is finally built doesn’t mean the process is c0mplete. Home warranties and the final walk through can really make or break your new home. There are many things to keep in mind during this final process to make sure your home is exactly the way you dreamed it would be.

Make Sure You are Dealing with a Reputable Builder

Obviously it’s a little late to switch builders after the home is built, but be aware of the fact a good builder is a great way to know if you home is in good shape. If you’ve discovered at some point during the building process your builder is less than great, be aware there are many corners they can and will cut if you are not on top of the matter.

Make sure your warranties are good after you pay. Many builders will do a poor job that’s not immediately apparent. Once they pocket your money, they are gone and you are left with shoddy workmanship and a poorly constructed home.

Do Your Walk-Through Before You Close and Don’t Close Until It’s Perfect

You want your home to be as close to perfect as possible. If you close on the home before it’s that way, your builder will be less motivated to get things done and get them done in a timely manner.

Insist to do the walk through immediately prior to closing and don’t sign the papers until any items you find are fixed. This is the best way to ensure the home meets the high expectation you’ve had for it since you signed the papers in the very beginning.

Be prepared, however. If your builder is less than upfront about everything, he may drag the process out and make it even more painful for you. Stand firm and be patient until the process is complete, even if it takes longer than expected.

A typical warranty of a reputable builder is one year. This means they stand behind everything and will fix it if something breaks. After that, other warranties will kick in and cover any issues you might have. If you need or want something above this, there are certain companies who will provide this service to you.

Don’t let your guard down on your new home just because it’s built. You still have a few important steps to cover to make sure you new home is precisely as you need and have dreamed it would be.

The Art of Drywalling: What You Need to Do for Your Home to Make a Great First Imprssion

2011-01-26T07:28:00.000-08:00

Do you remember the first impression some of the most important people in your life made on you when you first met them? Chances are good your initial impression was positive. Shouldn’t you give your home the same chance to make a great first impression on those around you?

Drywalling is one place in your home you need to spend money and plenty of effort to do well. Improper drywalling shows every imperfection to those who visit your home. Great drywalling is inviting and makes your home appear loaded with value.

Here are a few areas you should focus on when drywalling or interviewing someone to drywall your new home:

Corner Bead

A corner bead is a material used on the corners of walls in drywall construction to make the corners crisp and professional looking. You can choose the look of your corners. You can select square, rounded or a 45 degree angle. In addition to making the corners look neater, the corner bead also reinforces the corners, making them less apt to dent and sustain other types of damage.

Metal and plastic are both used to make a corner bead. The advantage of metal is the fact it is extremely sturdy and durable, and it will last for the lifetime of the wall. The disadvantage of metal is its tendency to rust. This rust will eventually bleed through the paint and leave you with an unattractive looking wall. Plastic corner bead is obviously not prone to rusting, but it may not be as durable as traditional metal corner bead. Plastic corner bead is also easier to work with.

Fireproof Drywall

Make sure to install a piece of fireproof drywall above any place in your new home where there will be a heat source. This applies even if you plan to put tile in an area. The dry wall acts as a barrier from any heat source and protects your home.

Drywall Return
The area around the windows is prone to moisture from rain and snow. It is important to put wood around the window area on top of the drywall surrounding the window frame. The reason is the wood protects the drywall from moisture and other damage.

If moisture does get into a window and settles on the area around the window and the area is covered with wood, it is easy to replace. It is much simpler to pull out a narrow, damp piece of wood that is nailed on top of drywall than it is to pull out an entire piece of wet drywall.

Watch for the “drywall return.” This is when the area around a window is shielded by drywall, rather than the more desirable wood. When you notice a home with “drywall returns” you know that the builder cut a few corners to save some money. It should also make you wonder what other corners have been cut and hidden beneath the newly built home.

Drywalling is an important part of a new home. It is the number one area people will notice when it is done well or when it is done poorly. It worth investing extra money to get just the right person to do it well so the house looks spectacular and wonderfully inviting.

Showers and Bathtubs – Is the Pressure There?

2011-01-06T08:08:00.000-08:00

Your shower and bathtub are an important part of your new home. In fact, you probably spend a good portion in one of these places each morning. There are a few things to take into consideration before you install these two systems so they operate great for years to come and become a place of rejuvenation in your new home.

Showers

The showers installed in homes today are not the showers of just a few years ago. There are now a wide variety of showers that cater to many different types of needs and styles. Frequently multiple head showers are installed, the rain style that simulates natural rain are also popular, as well as the handheld shower variety. Almost anything you can dream can be installed in your shower today.

While any of these showers are great for a new home, it is very important to make sure you have enough water pressure to supply the needed water so the shower you selected runs properly.

Bathtubs

There are a few things to keep in mind when you install a whirlpool bathtub in your new home. First, remember insulation is very important, particularly if you plan to finish your basement completely. The insulation keeps the temperatures from fluctuating, but it also cuts down on the noise a bathtub creates.
You will also want to make sure you get a larger hot water heater if you get a big whirlpool tub. These styles of tubs take a considerable amount of hot water to use and, if you don’t have a large enough hot water tank, you will quickly run out of hot water. A larger tank will allow you plenty of water for your bathtub and other appliances that need hot water around your home.

You want to make sure you have the proper framing under your bathtub so it does not sink after the tub is installed. This can lead to all sorts of problems with the tub in later years.

In addition, you want to make sure you put the motor in a place that is relatively easy to access. This doesn’t mean you want to leave it exposed, but put it in a place that will take minimal effort to access. This way, if the motor breaks, it can be fixed or replaced with minimal effort. If it is not in a place that’s easy to access, the entire tub may have to be removed simply to fix the problems with the motor.

Showers and bathtubs are an important part of a new home. With careful consideration on several issues, you can have a high quality shower and bath system that exceeds your needs and expectations.

Two Critical Elements in Choosing the Right Heat and Air Unit for Your Home

2010-12-10T08:01:00.000-08:00

One of the most important aspects of building a new home is choosing the right heating and air conditioning unit. If the right unit is selected, it can make a dramatic impact on your overall heating and air bill during the life of your home. In addition, you want to find a unit that will evenly heat and cool the home so the entire home is comfortable from one end to the other.

What Furnace is Best?

A high efficiency furnace is critical when it comes to picking the right unit to heat your home. Selecting a unit that offers at least 90% efficient is critical. Many builders opt for a cheaper heating unit that is less than 90% efficient to cut corners. However, this can negatively affect your home and heating bills for years to come.

A good builder will choose a 92% to 95% efficient furnace to give you the highest quality of furnace possible. How do you know if you have a high efficiency furnace? The PVC pipe will be sealed to prevent air leakage. This lends to the unit being as efficient as possible.

In addition, the return on the furnace should have properly taped seams. Without this important step, cool or warm air will escape and decrease the efficiency of the appliance.

Where Should the Furnace Be in My Home?

The furnace should also be strategically placed in the middle of the home. This prevents the unit from being forced to push air from one end of the house to the other. By having it in the middle, the air can be distributed evenly and not put undue stress on the appliance.

If you have a two story house, you have two options of how to ensure the heat and air are evenly distributed to your home. One choice is to put a complete unit on each floor. This will make sure each floor is properly heated.

Another option is to use an electronic damper system. This will put a thermostat in several rooms. Each thermostat will open or close vents in your furnace. This allows you to generate more heat or cold to whatever area of the home you choose.

A high efficiency heating and air unit is crucial to finding the right unit for your home. By selecting the right unit and strategically placing it in your home, you are well on your way to having an evenly warm or cool home with as minimal cost as possible.

More than Just Pipes: Plumbing Your New Home (Building a Home Part 9)

2010-11-29T09:04:00.000-08:00

As we continue in our series on the many steps involved in building a house, the importance of plumbing cannot be underestimated. Poor plumbing can mean major problems now and for many years to come. By taking the time to properly install your pipes with proper installation is the key. Considering what type of water softener your home will need is important, as well.

Properly Insulate Your Pipes

Once your pipes are three to four feet underground, they stay a consistent 65 degrees. If, however, there are some pipes that are exposed to an outside wall, you need make sure they are wrapped so they are properly insulated and able to withstand the low winter temperatures they will endure. This is particularly important on a wall that faces the north. In a case like that, double insulation might be worth considering and certainly worth the extra cost.

Improperly insulated pipes will bust and cause an incredible amount of damage to your home. Insulating your pipes is not a corner you want to cut. Properly insulated pipes are a fundamental part of good plumbing. In addition to the insulation you put around the pipes, you also want to make sure you plug up any openings to prevent any drafts that could also freeze the pipes, as well.

Water Softener

You need to decide early in the building process if you want to put a water softener in your new home. This type of system puts salt into your water to help create softer water. This process removes large amounts of minerals. It makes things like showering or even washing your clothes an easier, more effective process. With lots of minerals in your water, creating a cleansing lather with soap is difficult. The minerals can also be left on your body or in your clothes and cause ill effects.

On the other hand, when it comes to things like watering your lawn or your drinking water, a water softener is not a good thing. The salt in the softer water is not good to ingest for plants or animals, humans included. For that reason, it is important to have a system in place that allows for both regular water and a softer water option. This involves creating two routes of water: one for your drinking water and one for your yard.

Insulating your pipes is important to prevent damage down the road in your new home. Also, picking the right water softener is important. A water softener, however, is not appropriate for every household task. For this reason, there should be two lines that allow for softer water, and the more natural, harder water. Proper planning of your plumbing is an important step of building a home.

It’s All In the Wiring – The Electrical Part of Building a House (Part 8)

2010-11-09T08:19:00.000-08:00

There are a multitude of decisions to be made when building a house. One important decision that can impact your home for years to come is the electrical components. While it might not be a subject you are extremely enthusiastic about, it is vital to the functionality and safety of your home.

Electrical Wiring

Do a walk-through of your new home during the building process and determine where you will put your plugs and switches. Also figure out where you want your overhead lights, if you want ceiling fans, and any other related electrical features. It is important to determine this now to save pain and frustration later.

All electrical wires run through a device called a “home run.” The wires go down into a junction box. The wires that are above the home run are called “spaghetti.” They get their name from the fact there are frequently a number of wires running through a home run. The resulting wiring above the home run actually looks a bit like spaghetti.

Make sure nail plates are in place. This is a metal piece that goes over the frame where the electrical work is threaded. This not only protects your electrical work, it also protects you if you would pound a nail through the dry wall and into the frame of your home where the electrical work is. Not all homes have this important safety feature, but make sure yours does so there are no tragedies down the road.

Insulation

While most people realize that traditional insulation, such as large sheets of fiberglass insulation, are important, there are also other areas that need plugged up during the building process. Anywhere small holes may be present, such as spots for electrical wiring or an electrical box, use expanded foam. This small amount of foam insulation prevents cold air from seeping into the home from small areas you might not expect.

Ceiling Fans & Lighting

While it is possible to install a ceiling fan after a home is built, it is even better to put the proper reinforcements in during the building process to have as secure of a ceiling fan as possible. Bolting the fan to the ceiling joist gives it a firm and secure fit. This prevents any wobbling or the fan from even falling on the home occupants.
A great time to determine where you want your light to radiate into your home is when you build your home. The builder will place “cans” that give that particular area the structure and form that it needs for the proper lighting.

Breaker Box

Make sure you label what each breaker goes to in your breaker box as soon as possible. It makes fixing problem breakers much easier down the road. It cuts out the step of trying to determine exactly where the problem is and allows you to fix it as quickly as possible.

Also make sure you leave some blanks in your electrical box. This allows for future expansions in your home and gives you an appropriate spot to put new electrical lines in the future if you need to do so.

There are a number of areas in your new home that you need to consider when it comes to electrical wiring. A few quick and easy decisions early in the building process will do much for a smoother transition as your home progresses.

The Steps of Building a House Part 7 : Building a Waterproof Home

2010-10-29T12:34:00.000-07:00

It is impossible to keep a home dry all the time. With the weather elements of rain, snow, and whatever else Mother Nature decides to throw at your home, keeping your home dry in key areas should be the focus. There are a few places: the foundation and the basement, which can be disastrous if they get wet and moisture gets trapped.

A shifting foundation and a moldy, musty basement are just a few problems moisture in these two key areas water can create. Check out a two all important steps in building a strong, moisture proof home that you don’t want to overlook, as we continue our series on building a home.

Flashing

The process of flashing your home keeps water out of foundation of the house. It also keeps water out of the basement. This flashing process prevents long term water damage from destroying your home. Not all home builders do it but it’s crucial for a well-built home.

Flashing is a thin layer of waterproof material that prevents water from seeping into places it does not belong. This is mainly for larger gaps outside of the home. Smaller gaps can be filled in with caulking. Flashing, when done correctly, should be installed so no seams face uphill. It also usually layered with other building materials.

If you wonder whether flashing has been installed the proper way, follow a drop of rain water as it moves down the side of your house. It should be carried from surface to surface all the way down and never encountering an open seam or an upturned lip that blocks its progress.

Tarring

While flashing is a critical element of keeping your home’s foundation and basement moisture free, tarring also adds this element. The process of tarring creates a water barrier that keeps water and dampness out of your home. This is frequently done early in the process of building a home, shortly after the foundation is laid. If tarring is neglected, however, it can spell disastrous results for the long term future of your home.

Want a waterproof foundations and basement? Spending the extra time required to do flashing and tarring to your home during the building process is crucial. If these steps are skipped, your home will not be set on the firm foundation it needs.

Building a Strong Roof for Your Home – The Steps to Building a House Part 6

2010-10-06T07:16:00.000-07:00

Nearly all roofs are framed using one of two methods: either the standard “stick” framing or newer “truss” framing style. Truss-framed roofs are built from triangular-shaped, pre-made truss units. The stick-framed roofs, on the other hand, use individual rafters that span from the top of exterior walls to the ridge.

Truss Roofs

The roof trusses are used to frame the roof. Trusses are pre-made, triangulated wooden structures used to support the roof. In many cases, the dimensions of the roof can be input into a computer and the computer program will dictate the sizes and spaces of the various parts of the roof should be, including the trusses.
A truss is one contiguous double rafter and ceiling joist unit. Truss construction is just as strong as the stick frame method, but is lighter weight and uses smaller sizes of lumber. Gable and hip roofs are built primarily of trusses. Like wall studs and floor joists, rafters and trusses are spaced about 16 or 24 inches from center to center. Most roofs use 16-inch spacings for strength and rigidity. The rafters are usually positioned directly above the wall studs.

Since trusses are carefully engineered units that shouldn’t be cut, they are not a good choice for roofs that could be modified at a later date. Because they have several intermediate support members, they also don’t allow for the proper use of the attic space.

Stick Frame Roofs

Roofs with dormers or on houses with cathedral ceilings, attic rooms, or attic storage areas, are usually stick built. Stick framing creates a triangle between the rafters and ceiling joists. A collar beam adds strength in the middle. The builder will usually figure what the load must be, which determines the positioning and spacing of the beams.

Baffles are placed in the roof area when utilizing the stick building method to provide proper ventilation for the attic. This prevents the attic from becoming too hot and also prevents trapped moisture from causing rot and decay.

It is important to make sure that whatever style of roof you choose is installed properly so the house can be well-supported and ventilated. Proper installation will also prevent any problems with the dry wall being level once you install it. With the right planning and know how, building a roof that withstands the many demands that is placed on it is possible.

Building a Strong Home – The Steps of Building a Home Part 5

2010-10-01T06:57:00.000-07:00

As we continue in our series of building a home from the ground up, we will talk about the importance of key points in the structure of the home that can literally make or break a house. While these things will go unseen once the home is completely built, their absence would surely be noted if they were not present. They are literally what the weight of the home is resting on.

Headers

When you have an opening, such as with a door or a window, you must have a header for support. It needs to be strong enough to carry the load above it. Headers take the weight of the materials and occupants above and transfer it via the trimmers down to the floors and foundations below. The longer the opening, the larger header it requires. Bearing walls (those that carry the weight of joists and trusses) require larger headers than nonbearing walls.

Posts and Beams

The posts and beams support the overall frame of the house. The beam runs horizontally and supports the weight of the house and must be strong. The post runs along the house vertically and is planted firmly in the foundation of the home for support.

Floor Joists and Cross Bracing

Floor joists are slightly smaller than beams and aid in supporting the structure of the home. They are horizontal and run from wall to wall, wall to beam, or beam to beam in support of a ceiling, roof, or floor. Floor joists alone frequently fail under a heavy load. To combat this problem, cross bracing is often used between the floor joists. Typically the cross bracing is done approximately every eight feet.

Cross bracing can be made of either wood or metal. They should be installed before installing the subfloor. This ensures the floor joists are properly spaced. It will also help with the subfloor installation. Some builders leave cross bracing out, yet it is an important element of a well-built home.

While these things might seem minor when you view a house being built, they are in fact an absolutely essential part of the structure of the home. If these areas are poorly built, the home will not be strong. Therefore, finding a builder that puts the appropriate emphasis on the headers, posts, beams, joists, and cross bracing is crucial.

The Steps to Building a New Home Part 4

2010-09-10T08:09:00.000-07:00

A well-built home has many components that happen in places you may never see. The foundation is the core of the home and can make all the difference between a well-built home and a poorly constructed one. Building a secure home takes advance planning of things that your home might encounter, like high winds and cold temperatures.

Anchor Bolts – The First Step to a Firm Foundation

Once the foundation is laid, anchor bolts are put down to securely hold the foundation in place. Anchor bolts themselves are used to attach objects or structures to concrete. They are an essential component to a secure fit on the foundation.

The anchor bolts are firmly secured with a treated plate and usually put directly into the concrete slab while it is still wet. Once dried, these bolts will be solid into the foundation. Frequently, local building codes will determine exactly where these anchor bolts must be located.

Wind Braces Prepare Your Home for Any Type of Weather

Once the foundation is bolted down, a plate is put up and then the studs. The vertical studs hold the roof up and the second floor, if there is one. Then wind braces are put in to protect the home and the foundation for intense weather that might threaten the security of your home’s foundation.

Wind braces are diagonal braces used to tie the rafters of a roof together and prevent racking. Many builders leave this important step out to save time and money but it is an essential component of a well-built, secure home. The wind braces are structural members that stiffen the structure against the forces of the wind. They can be timber or metal, strut, or a tie.

The best way to build a wind brace is from wood. The process is to cut it into the vertical two by four studs and nailing the wind brace directly to the wall. The brace prevents racking or any other type of shifting the home might be prone to due to high winds or other unexpected weather.

Foam Boards – An Extra Layer Warmth in Your Home

Once the wind brace is in place, the builder can then put a foam board over the top of all the wood. It creates a thermal barrier. This barrier prevents the cold from coming through the ply wood, through the two by fours, then through the dry wall, and ultimately into your home. This provides a thermal break in your home. This foam board is not standard with many buyers but it is crucial to a well-built home.

There are many important components to a well-built home. A few that are crucial to the building process are put directly into the frame of the home. They protect from the home shifting and being impacted by unexpected weather.

Picture from http://www.flickr.com/photos/88158121@N00/907417367/sizes/z/in/photostream/

A Modern Day Love Story

2010-08-31T07:19:00.000-07:00

You know those spine-tingling breath-taking make your heart melt fairy tale love stories? Well this house has one, only it really happened, and YOU can supply the happy ending if you are in the market to purchase a house, or know someone who is.

It’s a common belief that there is an enormous difference between ad “house” and a “home.” The story behind this property, located at 10438 Madison Street, was a spark that was bright enough to turn this house into a home, already full of love.

The story begins over 20 years ago when Leah, a child with Down syndrome, moved into the house with the rest of her family. Shortly thereafter, another child in the neighborhood, Mark, who also happened to have the same condition, befriended Leah. They were inseparable, until a few years later when Mark was forced to move to Texas due to his parents’ careers. Sadness and heartbreak ensued for both Leah and Mark.

During this most recent Christmas, Mark showed up at Leah’s doorstep – a Christmas miracle? Perhaps. Regardless, Mark shared the news that his parents were being transferred back to the Omaha area, and he wanted to stop by and visit Leah. At this moment it became apparent that Leah and Mark were destined for one another. Even after nearly 20 years, the two emanated a feeling of love that couldn’t be denied by anyone in the room.

Mark had been living in a community home specializing in the care of adults living with Down syndrome in Texas, called Down Home Ranch. Arrangements were made soon thereafter for Leah and Mark to be married, and live as a happy couple at Down Home Ranch. Then, it was all a matter of time before they were man and wife.

The story doesn’t end there. As an even larger gesture of love, Leah’s parents decided to pack up and move down to Texas and act as a local support system for the two newlyweds. Even after taking out an additional mortgage, contributing sweat and money into a second addition on the home, and maintaining perfectly good careers in Omaha, Leah’s parents, Mike and Cindy, sacrificed it all to show their love and support.

This isn’t some ploy to get a buyer to fall in love with the house – let’s be real, it may be a magical love story, but is it enough to sell a home? The answer is: it is just an even larger indicator that the home with bring good fortune, especially with a brand new addition, beautiful granite countertops, tons of space (four or five bedrooms) and a full rec room and media room… incredible!

This house probably doesn’t even need an amazing story of love and sacrifice to help get it sold, but it anyone who has a heart can see that Mike and Cindy are people who are willing to give up everything for people they love, and who wouldn’t want to be surrounded by good karma like that?

This story just goes to show that true love is never lost, and people are good at heart. Help this family out by taking a look at their amazing property. Furthermore, donations are always needed and welcome at both Down Home Ranch (http://www.downhomeranch.org/), as well as the Omaha Down Syndrome Parents Network (http://www.odspn.org/).

As always, if you have any question at all, or are interested in the home, feel free to contact me by phone (402.680.2500) and anytime by email at bill.black@cbshome.com.

The Steps to Building a New Home Part 3

2010-08-12T08:31:00.000-07:00

Building a Home Part 3 - Preventing Water Damage Before Your Home is Built

Few things can ruin a home quick than unwanted water. It is important to build a strong defense against water seeping into your house when you lay the initial foundation of your home. There are a few fundamental things that are done while a home is being built to prevent water damage from causing harming your home in the coming years.

Water Prevention on the Ground

There are two ways water can get into your home: water coming from the outside (for example, through a rain storm or a water hose) or from the ground up. When water comes in through the ground up, it comes up through the floor. This is commonly seen in a basement.

The best way to control and prevent water from coming up into your home is to put in a drain tile system while building the house to prevent water from coming from the ground up. The drain tile system dumps into a pit area that was dug before pouring the foundation. Large four inch plastic drain pipes direct the water in the ground to the pit. Once in the pit, the water gets pumped back outside through the sump pump.

Water Prevention in the Walls

When waterproofing a home, the brick foundation is tarred to prevent any water from coming back into the home. The tar is actually sprayed onto the brick to waterproof it. Any place that will come into contact with dirt (and consequently water) should be tarred to prevent water from getting into the home.

Controlling Water Flow

When you have a basement dug out for your new home, the dirt should be redistributed as a backfill around the house. It is vital to make sure that the dirt slopes away from the home to prevent water from coming back into the home and pooling. It needs to drain off to the side and then off to the front or the back of the lot. If sloped incorrectly, your home will be a catch all for rainfall and it will create a tremendous problem for years to come.

There are a number of factors to take into consideration when it comes to preventing moisture and water problems when building a new home. What happens to the water in the ground, how well the water is kept out by the house’s walls, and ultimately controlling the water flow are all factors that should be considered when building a home. Keeping your home dry will preserve your home for years to come.

The Steps of Building a New Home Part 2

2010-08-02T07:42:00.000-07:00

Building a house is a time intensive, detail oriented process that is often completely unknown to the future homeowner. In our last blog post, we discussed finding the perfect lot. Now, we will talk about what happens early in the process once you find that dream lot. These steps literally lay the foundation for the type of home you will have for years to come.

Dig a Little Deeper

Once you select your lot, the process of building your house usually starts rather quickly. First, your house will be staked. The staking of the house physically lays down the boundaries for the house for the next phases of the house building process.

Once staked, an excavator comes in and physically cuts out portions of the ground where your house will sit. This generally goes down a few feet into the ground. This allows your home to sit securely on a flat surface.

Building a Firm Foundation

Once dug, the footings for your new home will be put down. These have reinforcing rebar in it. Rebar used in reinforced concrete and reinforced masonry structures. It is usually formed from carbon steel, and is given ridges for better mechanical anchoring into the concrete.

Once the footings are in, the actual foundation will be built. At this time, the drain tile will be put in. Drain tile is one of your home’s most important defenses against water damage. Drain tile combined with your foundation's cement footer channels water away from your foundation to prevent seepage into the basement through cracks in the structure.
Once the drain tile is in, the backside of the foundation will be tarred. The process of tarring creates a water barrier that keeps water and dampness out of your home.

Once a firm foundation is built, this sets the stage for a quality home to be built. The builder can set up the steel and framing for the house at this time. Not cutting corners in this early and seemingly simply step of building a great foundation is crucial. It can mean the difference between a great, secure home and one that never lives up to your expectations and gives you headaches for years to come.

As we discussed previously, it is vitally important that you find the right lot. Once you find the perfect lot for your new home, the excavation and foundation of the home is essential to creating the home that you want that not only looks great but is also well built.

The Steps of Building a New Home Part 1

2010-07-08T14:32:00.000-07:00

Today we’re going to offer you some money-saving, frustration-preventing advice on selecting a lot for your new home, so let’s get started!

Your first determination is location – where exactly are you going to build your home?

The second is…what type of house are you going to build? In terms of lots, there’s a difference between building, say, a two-story and a ranch house.

Now, these determinations are critical for two simple reasons: One, the house has to fit on the lot. And, two, it has to meet the covenant requirements within the neighborhood.

For example, for setbacks, some neighborhoods require a five-foot side yard while others mandate a seven-foot one, etc. (You can find information about the covenants for particular neighborhoods online.)

Then, there are the things you simply never expect like encroachments, power lines, pedestals, or even fire hydrants located in the middle of your driveway!

That’s why you need to work with professional builders. They’re highly experienced at spotting such problems and helping you to avoid or overcome them before you waste precious money and time.

Now, you may be curious as to what types of lots are available in our area. Well, in general, there are three kinds, as described next.

The Flat Lot
From the street, the lot rises slightly (3’ to 6’) to the house area. This type keeps the drainage going all the way around the house and to the street.

The Daylight Lot
From the street, this lot also rises slightly, but then drops off a bit more steeply (3’ to 6’ feet). The slightly steeper drop-off allows the bottom windows of your house to have a great view.

The Walkout Lot
From the street, this lot also rises slightly, but comes down more steeply in the rear (6’ +). In the rear, water will draw toward the back, while, in the front, water drains to the street. Plus, of course, you can “walk out” from the lower level, often beneath a deck, into your backyard.

Bottom line: Every lot is different, and there are a lot of factors to consider! That’s why it’s important to work with building professionals early in the process.

The Need for Home Inspection & Radon Testing

2010-07-02T13:11:00.000-07:00

A special thanks to Kelly Foley of AmeriSpec for participating in this weeks video. He is an ASHI Certified Member and has been in the home business for a long time. Watch the video, you'll learn a lot and if you have any questions give him a call at 402.393.3696.

You Better Give Sherlock Holmes a Ring!

No, you don't need the fictional detective inspector. However, you do need a home inspector! Think of this as a "pre-emptive strike" to maintain or increase your home's value before you put it on the market. Here are the benefits an inspector provides you:

Benefit 1: The inspector can uncover any problems that need fixing, and you can correct them before any potential buyers enter your home. Such an inspection can prevent your sale from falling through!

Benefit 2: With an inspection, you can show prospective buyers receipts to prove the work has been done. Buyers love proof! In reality and in their eyes, it underpins the value of your home and the asking price.

Benefit 3: You may be able to factor the cost of the inspection into the asking price for your home!

Benefit 4: When you have a pre-sale home inspection completed, you're able to estimate if the discount the prospective buyer is asking is reasonable. In other words, you can refuse unreasonably low offers if you know the value of your house, including the degree of its defects.

So, How Do I Find a Qualified Home Inspector?

I can recommend a certified home inspector who will do a great job for you. However, if you decide you want to do it on your own, make sure he or she is qualified!

Con artists sometimes pose as home inspectors, taking your money and giving you nothing but grief in return. Here's how to know if an inspector is the real deal:

Ask your friends for referrals. If they've had a good experience, go with that home inspector. I’d recommend you interview a minimum of two or three inspectors before choosing one. Make sure they’re full-time professionals conducting several inspections a year.

If possible, select a home inspector who’s a member of The American Society of Home Inspectors or the National Association of Home Inspectors. These association members follow a stated code of ethics. In addition, they’re prohibited from having a professional interest in the sale, repair or maintenance of a property they inspect. They’re also forbidden from using their inspection business as a way to find customers for a handyman service that they “happen” to own. You may want to go on the Internet and use ASHI’s “Find a Home Inspector” link to identify potential candidates in our locality.

As part of the interview process, ask for samples of comprehensive reports (about 20-50 pages in length). The samples should be painstakingly done and backed up with complete details, including photos and diagrams. If an "inspector" refuses to give you a report or provides only a sloppily written 2-to-5 page sample, run the other way!

What Does a Home Inspector Cost?

Frankly, the rates vary. On a national level, the rates fall in the range of $200 to $400. As part of the interview process, I recommend you ask several inspectors for their rates so you can get an idea of the price range. In the end, keep in mind that while the cost of an inspection may seem high, it can actually add several thousand dollars to the value of your home! So, don't think of it as a cost; think of it as an investment!

What Exactly Does a Home Inspector Evaluate?

In general, he or she will look at the following areas:

- Electrical System Wiring, Service Panel and Service Capacity

- Energy Conservation/Safety Items

- Exterior Walls, Siding, Trim

- Floor, Wall, Ceiling, Roof Structures

- Foundation, Footings, Crawl Space, Basements, Sub-flooring, Decks

- Gutters, Downspouts

- Heating & Cooling Systems

- Insulation & Ventilation

- Interior Floors, Walls, Ceilings

- Moisture Intrusion/Mold

- Overall Structural Integrity

- Plumbing Systems

- Property Drainage/Landscaping

- Roof & Shingles, Chimneys, Attic

- Walks and Drives

- Windows, Doors, Cabinets, Counters, etc.

Should I Be Present During a Home Inspection?

You bet! A typical inspection takes three hours or more, so I recommend that you be present for at least the first 30 minutes to make sure the job is being done thoroughly. At the end of the inspection, the home inspector should give you a point-by-point summary of what needs to be corrected in order to add value to your home!

Radon Inspection

From http://amerispecusa.com/services.html
The Midwest ranks as one of the highest areas in the Nation for average radon content. Nebraska is the fourth highest and Iowa is number one. Although Texas is not a "hot spot" for radon, elevated levels have been detected in a few areas. Often relocation companies will require radon testing as part of their program.

When a home has been mitigated for radon, it is a major plus when the system is installed properly to know the levels are being properly maintained. A home that has not been mitigated that previously tested low will likely have a radon level that will fluctuate with the seasons and with the weather conditions.

This inspection includes the placement of testing devices to measure the ongoing level of radon in the habitable areas of the home. These measurements evaluate the level of radon to determine if any form of improvement is required. The EPA document A Citizen's Guide To Radon (Third Edition) provides the basic information everyone should know about Radon. For more information on how to reduce your radon health risk, call your state radon office for copies of these guides:

-Other Radon-specific publications are located at: www.epa.gov/iaq/radon/pubs/

-Other Indoor Air Quality-specific publications are located at: www.epa.gov/iaq/pubs/

If you plan to make repairs yourself, be sure to contact your state radon office or visit our publications site for a current copy of EPA's technical guidance on radon mitigation, "Application of Radon Reduction Techniques for Detached Houses. "

Hope you enjoyed this very useful information about home inspection! If you have more questions, please don't hesitate to contact us! You can reach me at 402.680.2500!

The Importance of a Notary

2010-06-08T09:05:00.000-07:00

Everyone will most likely need the services of a notary at least once in their lives. By definition, a notary is someone legally empowered to witness signatures and certify a document's validity and to take depositions. In layman’s terms, a notary is basically a clerk licensed by the government to prepare legal documents.

Why Would I Need One?

Whether you are purchasing a commercial land, starting a business overseas, lease your property, adopting a child, or migrating to another country, you will need a notary. In more circumstantial situations, you might need notary services to witness the translation of some legal documents, for international business transactions, to prove your identity, and to verify third party cases. Notaries become particularly relevant to the housing market when it comes to signing transition and closing (or celebration) documents when buying a home.

Most companies often need a notary for many business transaction, so it's common for them to hire a notary to be on staff. The application process usually takes about four to six weeks, and requires fees around $50. Furthermore, a bond must be secured, usually averaging around $4000 depending on the state. This covers your years of commission.

Upon completion of one’s notary training and education, they purchase a notary stamp. There are several different types, ranging from acknowledgment, affidavit, to oath stamps. It’s wise to have several kinds to ensure you have some flexibility in your services as a notary.

I Have the Seal of Approval!

While there is traditionally a notary public designated in every state, individuals can also get licensed to perform similar duties. The application process isn’t too complex and there are a few requirements.

First, the applicant must be at least 19 years old. Secondly, he or she must be a resident of the state for which they are applying. The applicant must be able to read and write English, and must not have any felony convictions or other crimes involving fraud or dishonesty.

Let Me Help You Out

As a notary in the state of Nebraska, I have unlimited financial liability on every single document I sign – so I do not take my responsibility lightly as a notary. I am very familiar with the laws regarding a notary and I am extremely dependable.

If you or anyone you know is in need of a notary for any of the reasons listed above, please contact me! Here at CBS Home Real Estate we are here to help you out with even the smallest tasks! Remember my number is 402.680.2500, and you can always shoot me an email at bill.black@cbshome.com!

The Importance of Home Repair

2010-05-28T06:38:00.000-07:00

There is simply no reason to neglect your home repair. You lose value, quality and aesthetic appeal when you don’t engage in regular home improvements and cleaning.

Whether it’s a professional, a handyman or yourself, you can’t afford to skimp on home maintenance! You don’t want to end up waiting until something goes wrong, and then quickly scramble to get it fixed when you are unprepared.

Benefits, Benefits, Benefits

On top of keeping your home in good condition, keeping up with home repairs will ensure that the value of your property appreciates over time. In the long run, you will be thankful you did, and you will reap the benefits financially, especially if you know you will be selling in the future. Remodeling and renovations also help raise your home value, but may require more work. Overall, though it may be costly, home maintenance goes a long way in lowering the risk of future damage.

Safety First!

Many aspects of the home require checking more often than others due to safety issues. Appliances like smoke detectors, heating systems and other mechanisms that can prevent or create hazards should be checked monthly. Most people cannot see items that need repair by doing a simple walk through, so sometimes, closer examination is needed. Things like loose wires can be easily overlooked, but can result in energy overload or even a fire.

What am I Looking For?

Virtually nothing in your house is maintenance free, so it is wise to check everything – but you don’t have to do it all at once, and some areas require more attention than others. The first thing you need to decide is who will be doing the maintenance and checks. You may not have the eye, time or motivation, in which case it might be wise to hire a handyman. If you decide to take the responsibility on yourself, here are a few general things to look for in each area of the home:

Exterior – Chimneys, roofs and gutters should be regularly checked for any kind of blockage, cracks or loose parts. If you have brick siding, you should check for deterioration. For your doors and windows, be sure to check the caulking and weather stripping for quality, especially before the summer and winter to make sure you’re not losing money on heating and air. If you have a wooden garage or patio, be sure to check for termite infestation, which can weaken the strength and support. To avoid broken or falling limbs, be sure to trim all landscaping with overhanging or dead branches.

Interior – Inside your home, walls and ceilings should be monitored for cracks, and areas behind drapes and curtains should be especially checked for mildew or mold, as little airflow is received there. In the attic, look for water leakage from the roof and make sure rafters and insulation are in shape.

Electrical – Once a year, you should make certain you check the main electrical panel for water marks and rust. Also, if you smell anything out of the ordinary, like burning, you should call your electrician. Indoor and outdoor wiring shouldn’t be overlooked, either.

Pest Control – Earwigs, ants, cockroaches, termites and fleas can easily make it into your home undetected. Having pest control come spray your house twice a year is a good choice. Also, though they live only one year on average, mice can bare up to eight litters in their lifetime, so keep things clean! Being sanitary is a simple solution to avoid those creepy critters.

You Can’t Do it All

You might save money by repairing your home on your own, but there are five home repairs that you should never attempt to do on your own:

1. Plumbing: one small leak can result in thousands of dollars worth of damage – leave it to the pros!

2. Electrical Repairs: an electrical shock can be fatal, so don’t even risk it if you don’t know exactly what you’re doing

3. Gas Appliance Repair: Gas has a high chance of leaking, and could potentially lead to carbon monoxide poisoning.

4. Roof Repairs: The hazard is obvious – it’s easy to fall off of a roof. It’s safer and more worthwhile to hire a roofer.

5. Asbestos Removal: Found mostly in older homes, asbestos is toxic and it’s recommended that you get it professionally removed.

All in all, many minor repairs and maintenance actions can be easily completed by you and shouldn’t be disregarded; but if you're unsure, do not hesitate to hire a professional to help out. Take caution where needed and look at everything closely. Remember that taking action now to maintain the quality of your home will benefit you greatly down the road.

For more tips and tricks about the importance of home care, or if you want to talk real estate, feel free to contact me at 402.680.2500 or email me at bill.black@cbshome.com.

Celebrate May, Celebrate a Closing!

2010-05-11T08:27:00.001-07:00

May is a month that usually brings a sense of happiness and relief. Those dreary winter months are coming to an end, flowers are blooming all around and mothers are being celebrated! While May is a month of transition in weather, for many it’s also a month of transition in living. Many people are closing on homes this month, but we should rethink the phrase “closing.” Everything else is being celebrated this May, and closing is no exception!

First of all, let’s get a better idea of what’s really involved in closing on a house so we can better understand why it's worthy of a celebration!

The Process

Binding yourself to a home – verifying your homeowner’s insurance, committing to the terms of the mortgage and getting keys in your hand – can be scary, but it doesn’t have to be! It is exciting that you possess a new living space, and it’s easier to feel optimistic about closing when you are more familiar with the process. After your long search for the perfect home, you still have to negotiate, get the house inspected and apply for and commit to the mortgage. Then comes that dramatic moment where you sign the dotted line, and voila, the house is your home! All those tense and stressful months or house hunting are extinguished in the quick and painless process of closing.

Who and What is Involved?

Usually the process involves documents like loan papers, title insurance, contracts, a title and the down payment, to name a few. These items ensure that you will get everything just the way you’d like. Timing is very important to make sure the closing goes smoothly and successfully. Remember, you’re not in it alone! You can search around for a settlement agent to prepare the documents for your closing, or you can simply use a recommendation from your real estate agent or lender.

It’s Not a Closing, it’s an Opening!

While many people use the common phrase “closing,” it’s actually the complete opposite. Sure you may have closed down the house hunting process, but remember who got you to that point? Most likely it was with the help of your real estate agent. Agents, especially me, are dedicated and caring. We don’t like to drop clients by the wayside just because we have helped them close on a home. I take this process as an opportunity to grow with my client and help them in their transition. So let’s celebrate! Here are some fun ways to commemorate your newly owned house!

Get to Know the Neighborhood - Invite some of your neighbors over and take time to enjoy your new home. Celebrate with food and drinks to make everyone feel welcomed!

Unpacking Party - Throw and “Unpacking Party” by inviting friends and family over to make the process easier and quicker! It’s always nice to make some kind of treat to show your appreciation.

Show that You Care - Take time to write personal thank you letters to everyone who aided you in your moving process. It shows people you care, and make you appreciate this transitional life event.

Stay in Touch with Your Agent - Again, please don’t think that your real estate agent is left behind in the moving process. We care and want to help you make the most of your new home through the end!

So with all the celebration going on in May, why shouldn’t closing on a home be included as well? This month emits a refreshing zest of life and it should be appreciated and embraced. Do not just be relieved you have finally “closed” on a house but rather let’s rejoice in new homes, lasting relationships and beautiful spring!

I’ll help you celebrate! And I can also answer your questions and provide real estate advice directly. E-mail me at bill.black@cbshome.com or call my cell at 402.680.2500!

Moving Senior Citizens to a Retirement Community

2010-05-11T08:27:00.000-07:00

Unfortunately, there comes a time when senior citizens can no longer live independently in their family homes. Whether it is physical impediments or mental health that beings to deteriorate, various factors can make a transition necessary.

Many questions arise in the process that can be difficult to answer: What kind of care will he or she receive? How close is it to family? Who’s going to pay for all of this? What to do I do with all of my loved one’s belongings? There are several tips and a lot of information available to make the move easier for both you and the senior citizen.

When is the Right Time?

You may come across many indications that it’s time to move senior citizens into a more accommodating living environment. Not being able to go to the bathroom without assistance, forgetfulness and disorientation are just a few of the possible signals that it may be time. No longer being able to care for oneself may be embarrassing for some, and sometimes the elderly will hesitate to tell others about this. Be sure to be observant, ask questions and let them know you care.

Timing is essential, not only because your loved one might need time to mentally and emotionally prepare, but also because the moving process takes a bit longer for elderly folks. Furthermore, you can ease the realization of moving for them by being approaching the subject delicately. Take time out and really discuss the need to move, get them involved in the process, and make sure they are comfortable. Do some research ahead of time so there are lots of options available.

What Do I Throw Out?

Usually, the elderly person will be downsizing in terms of living space, so not all of his or her belongings will be able to fit in the new place. The issue of packing becomes especially difficult when seniors must leave behind cherished goods. It is important to let them have a great deal of say in what they would like to keep. A good idea is to have some kind of organizational system that indicates the level of importance each item in the home has.

Take into account the new living facility, which might even require the purchase of smaller furniture or carpet. Allow lots of time to set aside items to sell, as well. There is sometimes a great profit to be made by selling older possessions, that can often times be valuable antique and vintage items. So before you toss something in the garbage, make sure you’re not throwing away an item of great value!

Get Familiar with the New Place

If you have the opportunity, take your elderly loved one to see the new living space as often as possible. This way, you can both imagine where certain furnishings will go, and the senior citizen can become more comfortable and accepting of the space. You may even bump into other residence, making the move-in process that much more exciting.

On move-in day, be sure to take your time. Make sure everything is placed in its desired position. Taking things slowly also helps your loved one not to feel abandoned or left alone in his or her new home.

You can always suggest support groups, recreational services and groups and other socially engaging clubs to make them feel connected to others. Moving a senior citizen is a big change and presents many frightening realizations; however, if executed in the correct fashion, it can turn into an exciting transition, and even presents opportunity to connect with your elderly loved one.

Lower Your Property Taxes!

2010-04-15T07:13:00.000-07:00

I’m like you – I hate high property taxes!

So, I want to help you possibly lower them – and maybe even find you some hidden treasure along the way (more on that later).

First, you need to call me! I can show you the ropes on how to contact the Douglas County Assessor’s Office and work with the nice folks there!

Basically, we’ll check on the current valuation of your property to see if you’re able to pay less in taxes.

It’s entirely possible because it’s a fact that many people end up paying too much in property taxes.

Now, this isn’t the fault of the assessors! That’s because they’re asked to do a lot of work in a short amount of time and often with too few people.

Also, changes in property values have occurred rapidly within the last few years due to the nationwide “mortgage meltdown.” So, the assessors have scrambled to keep up.

Therefore – guess what? – they need our help! And I’m just the person to provide you with that help.

Call me today at (402) 680- 2500 or contact me at bill.black@cbshome.com, and we’ll get started!

Oh, did you think I’d forgotten about the hidden treasure? Not a chance! Where can you find it?

At the treasurer’s office of Nebraska! They have millions of dollars in unclaimed money and property there.

In fact, the site says that 1 in 8 Nebraskans have unclaimed property – and you could be that one!

So, go to the treasurer’s site to see if you’re owed any money or property. It’s simple and easy to find out.

The link is:

http://www.treasurer.org/up/upsearchprop.asp

P.S. If you find money or property, you owe me dinner!

Prevent Mortgage (and Short Sale) Heartbreak!

2010-04-05T07:29:00.000-07:00

I’m not only a businessman but a family man as well. It just tears me up to see families lose their homes due to layoffs, a bad economy, and, frankly, loose lending guidelines that allowed home owners to get in over their heads in terms of mortgage payments.

I have one couple that lost their home to foreclosure…is headed toward possible bankruptcy…and possibly divorce as well. I absolutely hate to see that – and want to prevent it.

I want to arm you with some knowledge on the causes of the mortgage market mess and how to deal with the current situation, so I have two links to great articles, and here they are:

“How Did We Get Into this Mess”

Now, let’s go to the other side of the coin - short sales. If you’re not familiar with the concept, a “short sale” occurs when the debt on a home is greater than the amount for which the property can be sold.

Here’s a basic example:
Assume a homeowner has an unpaid loan balance of $250,000, but the property will sell for only $225,000. The lender agrees to sell the house for the $225,000 amount, which, of course, leaves it “short” of the full amount. Thus, the name “short sale!”

Naturally, as a buyer, you’d probably like to pick up one of these bargains.Well, due to the “Great Recession,” there are many short sale homes on the market today. But the bad news is - there are far too many of them!

Realtors and loan officers are swamped. And that’s led to a problem – there’s a huge backlog of these homes, and realtors and loan providers can’t get to them quickly.

Case in point: one of my clients has been waiting for six months on a short sale property and still hasn’t heard a word!I called up one lender to find out what was going on, and he said, “Bill, I’ve got boxes of applications for short sale homes going out the door of my office! We can’t keep up!”

Despite this, I still call loan officers four or five times a week – and sometimes don’t even get an answer because they’re as busy as can be!

So, my advice is this: if you’re seeking a bargain in the short sale market, give yourself a ton of time and have a lot of patience! Realtors, lenders – they’re all nice folks and want to work with you but they’re in a “catch up” situation and are doing the best they can.

Okay, here’s what I want you to do if you feel you might find yourself in a situation where your home could end up in a short sale situation or if you’re a buyer looking to find a short sale bargain – call me at 402-680-2500 or go to bill.black@cbshome.com so I can help you out with common sense advice.

You definitely want to head off the prospect of foreclosure and damage to your family’s well-being!

If you are in need of financial counseling log onto.... www.daveramsey.com

4 Reasons To Use Social Media in Real Estate

2010-03-14T20:26:00.000-07:00

I want to give you a plain fact – today, 85% of people start their real estate searches on the Internet! 85%!

This tells you right away that you want to work with an agent who’s very knowledgeable about the use of the Internet and social media like Facebook, LinkedIn, Twitter, YouTube, etc.Right now, you may be wondering why the Internet is so darned effective for buying or selling a home.

First, there’s the visual element – buyers can view homes, either through photos, slides, or virtual tours. On their computers, they can actually go inside and outside a home to see if it meets their needs. This eliminates tedious and time-consuming searches!

Second, there’s the convenience element. From the comfort of their own home, buyers can view as many properties as they want to see at the touch of a button.

Third, if you’re seller, then – wow! – you can get hundreds or thousands of prospective buyers to view your home 24 hours a day! Beats the heck out of open houses, doesn’t it?

Fourth, as a seller, the Internet allows you to weed out “lookyloos” who like to come to open houses and buy…nothing! You get targeted buyers who are actively interested in your property! It saves you time and aggravation!

As you can tell, I’m really, really excited about this new technology! And you should be too because it can help you buy or sell a property faster, easier, and more conveniently!

So, why not give me a call today at (402) 680-2500 or contact me right now at bill.black@cbshome.com! Boy, have I got a lot to show you!

Home Buyer or Seller? Think of the Safety of You and Your Family FIRST!!

2010-03-01T15:47:00.000-08:00

Hey, Bill Black here! Whether you’re a home buyer or seller, safety should be one of your primary concerns when it comes to putting a property on the market or visiting such a property. Let me explain...

Let’s assume you’re a home seller and, of course, are going to have prospective buyers come to your property.

You want to make sure they have a pleasant and safe experience.

In the winter, that means you need to clear the ice and snow off the sidewalks and the driveway to prevent accidents. The last thing you need is an unhappy buyer with a broken arm or leg! You not only lose a possible sale but may end up with a lawsuit as well.

At any time of the year, make sure your property is well-lit, not only for the safety of potential buyers but for you and your family as well. That way, any hidden trip items (steps, toys, rakes, etc.) are removed. Plus, of course, burglars hate light!

Open houses can also be a safety issue, and that’s why I don’t do them for my sellers.

There’s always the potential for complete strangers to come tramping in and case your property so they can come back later for drugs, jewelry, firearms, or money. Why take the chance?

And, speaking of firearms, please put any unlocked weapons in a safety deposit box when you’re expecting an appointment with potential buyers! If they bring children with them, then you’re asking for disastrous trouble. Kids are naturally curious, and they’ll get into things you never expect them to.

The same goes for pets!

I’d recommend that you remove any potentially dangerous pet from the home while buyers are visiting.Needless to say, any animal bite can be extremely serious and may leave you open to law suits if Fido bites the stranger in your house! Heck, I once had buyers in a house and discovered the owners had…snakes!

Believe me, reptiles are not a good way to sell your home!

Now, if you’re a buyer, you can protect your safety and that of your family by asking ahead of time if there are any pets, firearms, etc. in the property you’re going to visit.

Lastly, I’d like to mention an issue that concerns everyone’s safety in a general sense – drinking and driving.

Now, I know that you’d never do this, particularly when it comes to buying or selling a home.However, last year, I had the awful experience of going to the funeral of a friend whose daughter had been killed by a drunk driver. No one should have the agonizing experience of burying their child.

So, I’d like you to watch the video below and see a powerful message on drinking and driving. And then, I’d like you to send that message to everyone you know and ask them to pass it on. One child’s death from a drunk driver is one too many!

Hey, I welcome your calls about any safety issues when it comes to buying or selling a home – or on any other real estate matter! Call me today at (402) 680-2500 or contact me right now at bill.black@cbshome.com.

SSHHHH! I'm Hunting for Tax Savings at the Douglas County Assessor in Omaha, NE

2010-02-01T11:04:00.000-08:00

How can you possibly save money on taxes at the Douglas County Assessor's office?

Well, remember, you have the right to protest your property taxes anytime you want! But if you're doing to do it this year, you have to do it quick in order to save money!

Here's how it works:

As you know, the tax assessor (Bob Morrissey, a very nice guy, by the way) assesses your property every year. But, here's the problem. The assessor's office is a small one, and there are 210,000 properties in Omaha (valued at $31 million)!

That means the Douglas County office has to rely on facts and figures and averages. Which means, in turn, that they don't always get the value right! Let me give you a very specific example: A Omaha home owner had a home assessed at $341,000, and you know what it sold for? $170,000! So, to help him out, I went into the Assessor's Office to get him a savings of $3,600 on next year's taxes. That's nearly $300 a month!

Now you can do the same thing to protest your taxes and save money, and here's how it works:

1. The Assessment Office assesses the value of your home and sends it to the Treasurer's Office.

2. The Treasurer's Office then sends you a tax statement.

3. If you feel the assessed value is too high, you can then file a protest with the Board of Equalization. Referees analyze the information and then reset your value.

4. If you don't like their decision, then for $25 you can file a protest at the Assessor's Office which then goes to the state.

5. If you don't like the state's decision, you can then take the matter to court.

So, if you think your taxes are unfair or the value is unfair, here's a link to the Douglas County Assessor's Office at http://www.dcassessor.org/index.php.

What are you waiting for? Get online or call the Assessor's Office now at 402.444.7060.

Or, if you want more information about the whole process, call me today, Bill Black at 402.680.2500! We'd love to talk to you! (Heck, who doesn't love to talk about saving money!)

Contact Roger Morrissey at the Douglas County Assessor at 402.444.7060, rogermo@co.douglas.ne.us or the Douglas County Assessor's website.

Home Owners/Buyers: I Have a Step by Step Home Marketing Plan Just For You!

2010-01-17T09:27:00.000-08:00

WOW! Thanks for all your feedback - here's what you wanted and I delivered!

You know, sometimes, I’m a noisy kind of guy. That’s just my nature. But, hey, I do listen very carefully all the time to what my friends, family and past clients have to say! And what I heard from my last video blog was that you wanted more – much more! – information on how to sell your home and, equally important, how to buy a new one!

So, that’s what I’ve done – come up with a marketing plan with a stair-step process to get you straight from Point A to Point B. That’s right, our plan will spell out how to stage your home in the best manner possible…how to show it to its best advantage, etc…all the way to the end when we explain clearly how a contract between you and a buyer is processed.

But, I don’t stop there! Once your home is sold, I and my team assist you step-by-step in finding your next home. That ranges from locating pre-approved financing to finding the perfect home for your needs in the perfect neighborhood.

The net result of this marketing plan – it’s hands-free for you which means we take all the stress (well, most of it!) out of the entire selling and buying process!

If you'd like your step-by-step home marketing plan, simply call me at 402.680.2500 or shoot me an email right away at bill.black@cbshome.com and I'll send it your direction!

What's Your Favorite Topic? I'll Make a Video Just For You!

2010-01-04T18:30:00.000-08:00

Thanks so much for returning to my blog week after week to read my articles and watch my video! I do everything I can to make real estate fun and interesting with information you can use to make a smart decision in real estate and improve the value of your home.

With the New Year, I'd like to ask you what you'd like me to publish. What would you like to learn about home maintenance and improvement? If you're looking to buy or sell a house, what are your primary questions? Thinking about a custom home? I'd really appreciate your feedback as I put together my topics to send to you via email, Twitter, and Facebook in 2010!

How do you like our real estate blog so far? I'd love to hear your opinion! Just leave a comment below (it's anonymous) or leave a message on Facebook and Twitter (see how we're using social media now!) Of course, you're always welcome to call me at 402.680.2500 or email bill.black@cbshome.com with your ideas.

Thanks for being a great friend of the years - we're running this blog for you. We want to make it the absolute best!

Omaha Is The Lowest-Cost, Fastest Recovering City in the USA! - You Should Relocate Here!

2009-12-15T09:48:00.000-08:00

I want to extend a personal invitation to join us here in Omaha, home of Warren Buffet (one of the world’s richest men) and the College World Series.

Now, I’m not just name-dropping here for the heck of it. Warren Buffet is one of the shrewdest people on the planet, and he knows all about the great benefits of living in Omaha.

But, lest you think I’m just blowing smoke, why don’t I tell you what the rest of the nation is saying about Omaha and give you links so you can check out the facts for yourself?

Omaha has the lowest unemployment in the nation – Bureau of Labor Statistics
Omaha is one of the best places to start over in – Business Week 2009
Omaha is the fastest recovering city in the nation - Forbes 2009
Omaha is one of the best affordable places to retire – Yahoo 2009
Nebraska is one of the healthiest state in America – Money Magazine 2009
Nebraska is one of the best state to do business in – Forbes 2009
Omaha has the world’s best zoo - Family Circle and Nickelodeon
Omaha has the lowest cost of living and is the best place to re-locate to – Primus 2009

A pretty impressive list from respected sources, isn’t it? Now, let me back up those facts with my personal experience.

Omaha has an unbelievably wonderful quality of life. Food’s inexpensive…you can afford to put gas in your car…you can buy a house at reasonable prices…and, if you’re a businessperson, we’ve got lots of affordable sites available for you!

Baby, you gotta contact me right now at 402.680.2500. What in heck are you waiting for? Omaha rocks, and we want you to rock along with us!

Which Home Improvements Give You the Best Return on Investment (ROI)?

2009-12-01T11:14:00.000-08:00

Which Home Improvements Give You the Best Return on Investment (ROI)?

Below I provide you with the best home improvements to make in terms of their Return on Investment (ROI). Choose the ones that best fit your situation and your budget!

Natural Gas Furnace Replacement

The ROI on furnace replacement can reach as high as 100%. How can that be? Well, of course, it depends on how long you keep the house before you sell it. In the first year, the ROI of a new furnace may be only around 10%.

However, consider that a new furnace adds to the resale value of your home and makes your home very attractive to potential buyers. And, then, if you look at the money saved in utility bills over, say, a five-to-ten year period, well, then you’ll be hitting that ROI of 100%!

Painting

Amazingly, a new coat of paint on the exterior of your home can give you an ROI of 90%. Dollar for dollar, it’s one of the most cost-effective home improvement projects you can undertake!

Depending on the quality of exterior paint, it can cost you anywhere from $25 to $50 a gallon. To give you an idea of the overall costs, the average 3,000-square-foot home takes about 15 gallons of paint. So, you may pay anywhere from around $375 to $1,500.

Looking at the interior, you’ll likely pay anywhere from $12.00 to $50 a gallon, again depending on the quality of the paint. Plus, of course, you have the cost of rollers, brushes, drop cloths, etc.

If you do the work yourself, it’ll likely cost you around $300.00. If you hire a professional, double the cost. In either case, you’ll end up with an ROI of around 75%.

Vinyl Siding Replacement

If appropriate, siding is a great place to start your home improvement projects. It has an ROI of around 88%.

Nearly everyone loves vinyl siding for two reasons – it’s low maintenance and has great durability. Plus, of course, the shiny appearance adds the perception of increased value in the eyes of potential buyers.

And you have two options for putting it on. If you have the time and talent, you can do it yourself for around $1.00 per square foot!

If you have neither the time nor the talent, then it’s time to call in a professional. Depending on your area and the size of your home, the job may cost you around $7.00 per square foot and anywhere from $3,000 to $12,000.

Replacement Windows

New windows have an ROI of 80% plus. It’s true that they are expensive, running $300 for a basic design up to $1,000 for custom designs. However, they have tremendous value in terms of either maintaining the house or increasing its value for sale.

Chosen wisely, replacement windows can really improve the look of your home from the exterior and in the interior. In addition, of course, they can really save on heating bills since old windows are great leakers of energy.

Kitchen Remodeling

Remodeling your kitchen can give you an ROI of around 80%. Now, it’s true that such a remodel can be expensive; the average cost is about $17,000.

However, you must remember that the condition of the kitchen is very often the deciding “sale/no sale” factor in the minds of potential buyers!

So, seriously consider this remodeling project. Add new countertops, cabinets and appliances.

If you have the time and skills, do much of the work yourself. Plus, of course, shop all the sales to get the lowest price on any appliances like stoves and refrigerators.

Roof Replacement

Replacing a roof has an ROI from around 60% to 65%. Depending on the nature of the replacement, it can cost about $100 to replace a few asphalt shingles on up to around $100 to $350 for a 10 x 10 foot square.

An overall re-roofing can cost anywhere from $6,000 to $14,000, depending on the size of the roof and the nature of the shingles (asphalt, wooden, etc.).

Now, while roof repair or replacement doesn’t have as high an ROI as some other home improvements, it’s definitely important because buyers will back quickly away from the purchase of a home that needs roof repairs. So, put this one high on your list!

Bathroom Remodeling

The ROI on a bathroom remodel ranges up to 78-80%. The average remodel costs in the $12,000 to $13,000 range. If you go “whole hog,” costs can range up past $30,000.

However, you don’t have to do all the remodeling at one time, and you may be able to make some of the changes yourself.

For example, new tile or linoleum can up down for anywhere from $100 to $1,000, depending on the size of the bathroom and the materials used. New light fixtures can also be an inexpensive do-it-yourself project.

So, there you have it – a list of home improvements that will give you the best return on investment! If you’d like to discuss the ROI on other home improvements, contact me today at bill.black@cbshome.com or 402.680.2500 and I’ll give you all the information you need!

Just Announced - New Construction, Second-Time Home Buyer Stimulus $6,500 Credit

2009-11-15T14:05:00.000-08:00

When the feds introduced the $8,000 Home Tax Credit program for first-time home buyers, there were some skeptics out there. They thought it wouldn’t do much good.

How wrong they were!

The program is so popular that it’s been extended into 2009 and expanded to include second-time home buyers!

Now, we know you want to get into a new home fast so here are the details on the program.

If you’re a first-time home buyer, the tax credit remains the same - $8,000.

However, there’s been a wonderful change in terms of the income range. It’s been expanded as well!

Now, the credit doesn’t begin to phase out until your modified adjusted gross income exceeds $125,000 for single filers or $225,000 for joint filers. The old phase-out thresholds were $75,000 and $125,000, respectively.

And now for even better news if you already own a home but want to build a new one. The program has been expanded to cover you if you’ve lived in your current principal residences for at least five out of the last eight years.

Your maximum credit will be $6,500. Yup, it’s lower than that of a first-time home buyer, but, what the heck, it’s still a substantial amount of money!

So, whether you’re a first-time home buyer or a current owner, contact us right now at 402.680.2500 to learn the details of the program!

Don’t wait! It takes six months to get that new home built so the time for action is now!

Want to Sell Your Home? Clinch the Deal With Curb Appeal!

2009-11-03T19:47:00.000-08:00

Believe me, great curb appeal is everything when it comes to getting potential buyers into your home! Plus, outstanding curb appeal can not only make the sale but increase your profit from that sale as well!

The benefits don’t stop there. Curb appeal can actually be achieved with very little money (depending on the size and condition of the home, of course). So, don’t think of it as cash spent; it’s actually an investment in more profit! Below, I provide you some very low-cost and sensible methods for making your home “shine!”

Clean – Then Clean Again!

I don’t know about you but when I see dirt and grime in a house, it’s a turn off because, as a buyer, I certainly don’t want to end up cleaning it all out! But, there’s another negative to a messy house – it tells potential buyers, “The owner doesn’t seem to care about his property, so why should I care?” Granted, this is not always a fair conclusion, but, remember, we’re dealing with the “emotional” side of the buyer. What they see is what forms their opinion of a property.

So, don’t risk the possibility of a negative opinion! From top to bottom, clean your home or have it cleaned by a professional service. Especially pay attention to getting rid of any odors! Unpleasant smells have a particularly negative impact upon potential buyers since odors create an immediate impact upon the most primitive and powerful part of the brain.

Get Out the Paint Brush…Roller…Sprayer!

The big temptation here is to go with the cheapest paint possible. Don’t give in to this urge. Go with good quality paint for both the interior and exterior! It simply looks better and emphasizes the quality of care you’ve put into your home. Buyers will notice that!

Roll Out the “Red” Carpet!

If your present carpet is at all worn or threadbare, consider replacing it with new carpet. I know, I know, it can be expensive, but new carpet can also add several thousand dollars to the final sale price! Once again, think of it as an investment, not as an expense. At a minimum, if your current carpet is in good shape, have it professionally cleaned to make it look even better.

Repair All the Little Things!

By themselves, a missing knob, a crooked gutter, an ill-fitting door, etc., don’t have much of a negative impact upon a buyer’s perceptions. However, when they see all these things together, they definitely get a sour attitude very quickly. So, repair all the little things to enhance exterior and interior curb appeal. Replace/repair gutters, rotted wood, broken door latches, leaky faucets, etc.

Manicure That Lawn!

A mowed and edged lawn really enhances the curb appeal of your home and shows potential buyers that you take good care of your place. To really put the “icing” on the curb appeal “cake,” add plantings like flowers, bushes, etc. They add color and delightful smells. :)

If you really want to make your home stand out in terms of terms of exterior and interior, consider hiring an accredited, professional “home stager” (ASP).

What’s a Home Stager?

Home stagers work with the “flow” of a home. Think of them as similar to set designers for plays and movies. They know how to “set the stage” in exactly the right way to impress any potential buyer visiting your home.
Overall, they eliminate clutter, arrange furniture, and help you enhance interior/exterior curb appeal in every way possible. Their charges may be on an hourly basis or a flat fee.

For information on home staging professionals, google “Home Staging Professionals” to see who’s available in your area. Or, check out these sources on the Internet:

STAGEDHOMES.COM (http://www1.stagedhomes.com/html/main.isx) and The Real Estate Staging Association (http://realestatestagingassociation.com/)

If you’d like more information on home staging or any other methods of increasing your home’s curb appeal, contact me today at bill.black@cbshome.com!

How a Down Payment on a New Home Makes a Molehill Out of a Mountain!

2009-10-15T09:56:00.000-07:00

Big Down Payment = More Options for You!

Believe me, your down payment on a new home affects nearly everything you can think of in the buying process - the loan programs you're able to qualify for, the size of the interest rate, the amount of closing costs, etc.

The basic rule is this: the more you have to put down on a down payment for a home, the more options you have!

This rule is true because, like all lenders, mortgage lenders dislike risk. They're in the business of making money by lending money. So, the more money you put down, the lower the risk, and the more lenders like your deal.

And, that's not all. If you have enough cash for a large down payment, then more choices open up to you! You can choose conventional fixed rate loans, adjustable rate mortgages, VA, FHA, graduated payment mortgages and all the variations of each of these programs.

By the way, when you combine a good-to-excellent credit score with a large down payment, you'll definitely get positive attention from loan officers!

Acceptable Sources for Down Payment Monies

In general, lenders want to see adequate funds available for a period of at least sixty (60) days in your account. The usual methods of proof of these funds are either a Verification of Deposit form or two months' worth of your most recent bank account statements.

So, if you're person who keeps money "under the mattress" or somewhere in your home, this isn't acceptable. It has to be deposited in an account (bank or investment) for at least two months (preferably longer).

In technical terms, this is called "seasoning." And the reason behind it is this: First, by having money in an account, it shows you have to ability and discipline to save money and, thus, are a good risk from the lender's point of view. Second, it demonstrates that the money is likely yours and not a personal loan from a family member or a friend. Lastly, and obviously, it shows you have enough money on hand for a down payment.

In general, here are sources you can use for a down payment:

- Checking account
- Savings account
- 401k account
- IRA account (have to meet specific guidelines)
- Money market account
- Stocks
- Bonds
- Mutual funds
- Certificates of deposit and other liquid assets.
- Sale of an asset, etc.

Frankly, in this New Age of Frugality, the safest method is to simply save the money for a down payment. This teaches you financial discipline which is good for all aspects of your life, and it means you don't have to rob other assets to pay the down payment.

I'd be happy to discuss and suggest many different ways of obtaining down payment money. Contact me at bill.black@cbshome.com or call me at 402.680.2500 today!

Welcome to our NEW Blog! - An $8,000 Tax Credit Is Yours If You’re Buying Your First Home!

2009-09-25T06:30:00.000-07:00

An $8,000 Tax Credit Is Yours If You’re Buying Your First Home!

Believe me, it’s a great time to become a first-time home owner. Why? Because, after the mortgage market crashed, the feds wanted to help us all out and get the whole system working again.

So, to re-energize the market, they hit upon a tax-credit program for first-time home buyers – an $8,000 one! And then they got even more generous when they decided you do not have to repay the $8,000!

The formal name of the program is The American Recovery and Reinvestment Act of 2009. Now, as you might expect because it’s a federal program, there are guidelines you’ll have to follow in order to qualify for and participate in the program. Those guidelines are described below:

Guideline 1

For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.

Guideline 2

The tax credit is equal to 10% of the home’s purchase price up to a maximum of $8,000.

Guideline 3

The credit is available for homes purchased on or after January 1, 2009 and before December 1, 2009. Remember, you only have four months left to enjoy the benefits of the tax credit!

Guideline 4
If you’re a single taxpayer with an income up to $75,000, you qualify for the full tax credit. And, if you happen to be a married couple with incomes up to $150,000 (filing a joint return) you also qualify for the full tax credit.

What occurs if your income goes over those limits? The rule is this: the tax credit amount is reduced for buyers with a modified adjusted gross income (MAGI) of more than $75,000 for single taxpayers and $150,000 for married taxpayers filing a joint return.

According to the government, "the phase-out range for the tax credit program is equal to $20,000. That is, the tax credit amount is reduced to zero for taxpayers with MAGI of more than $95,000 (single) or $170,000 (married) and is reduced proportionally for taxpayers with MAGIs between these amounts."

Remember, this tax incentive is a true tax credit; you don't have to pay it back!

However, you must use the residence as a principal residence for at least three years or face recapture of the tax credit amount. Now here two questions I know you want answered.

What Kind of Home Qualifies for the Tax Credit?

You can buy any home that you’ll use as your principal residence! This includes single-family detached homes, attached homes like townhouses and condominiums, manufactured homes (also known as mobile homes) and houseboats.

Is the Application for the Tax Credit Complicated?

Not at all! It's as easy as it ever gets with the government. You simply claim the tax credit on your federal income tax return.

To get specific, you’ll need to complete IRS Form 5405 to determine your tax credit amount. Then, claim this amount on line 67 of the 1040 income tax form for 2009 returns (line 69 of the 1040 income tax form for 2008 returns).

There’s no requirement for any other applications or forms. Better yet, no pre-approval is necessary!

One Disclaimer: You can't claim the credit on Form 5405 for an intended purchase at some future date; it must be a completed purchase!

I’d love to help you participate in this wonderful program. Contact me at 402.680.2500 so I can answer any questions you have or provide you with more information! Remember, it ends December 1st of this year!