The Seattle-Tacoma housing market continues to be attractive for home buyers. However, you need to consider if now is the right time for you to jump into home ownership. Just because your friends and family all own homes, doesn’t necessarily mean it’s a financially smart decision for you to. Here are 4 signs you’re ready to buy a home.

4 Signs You’re Ready to Buy a Home

No more debt

One of the top signs you’re ready to buy a home is that you no longer have debt. You have eliminated credit card debt as well as your car payment and you’re now banking more each month. The extra cash flow that is no longer going toward your monthly debt can cover home owner expenses such as property tax, homeowner’s insurance, repairs, and furnishings. Considering the down payment is the top hurdle for most home buyers, the extra cash can cover that expense as well.

Credit score

If you’ve been watching your credit report and taking actions to improve your score, now could be the time to buy a home. Since your credit score is one of the most important factors in qualifying for a home loan, a higher score could land you a higher loan amount. With a higher credit score comes a lower interest rate, which ultimately means a lower monthly mortgage payment and less money over time.

Thought about all the monthly expenses

With owning a home comes many monthly expenses outside of your mortgage. Utilities, property taxes, HOA fees, and insurance bills are all costs you have to budget for. If you have done the research to include a ballpark estimate of all of these expenses and you’re comfortable with the outflow, it’s one of the best signs you are ready to buy a home.

Ready to settle down

Unless you’re in the house flipping business, your home is a long term investment. It’s best to plan to stay in a home for at least five years. If you’re just starting a family and need a certain number of bedrooms and outdoor space, it may be a wise decision to look into buying a home since renting an apartment of that size could cost as much or more. Additionally, if you have dreams of making your house a home, with personalized renovations and décor, owning a home may be right for you.

You may also like: Financial Benefits of Owning a Home

In this series, I highlight the restaurants and food services I like to refer to my home buyers and sellers in the Pierce County area. This month I’m talking about HG Bistro.

Restaurant Recommendation Series: HG Bistro

HG Bistro is one of my favorite restaurants in the Puyallup area. Located right on Main street, you’ve likely seen this joint busy on evenings and weekends. In addition to their delicious food and superb customer service, I appreciate that they change up their menu often. Chef Arnel and his team create a featured fresh sheet every two weeks and offer by reservation only intimate wine dinners prepared by Executive Chef Arnel Gaitan. For the past 12 years HG Bistro has been known for their Happy Hour and have been voted in the top 5 of King 5’s “Best Happy Hour” for Western Washington since 2009. Recently they were honored with the #1 spot in 2015.

HG Bistro also puts a strong focus on service fresh and local dishes. They prepare their dishes from scratch by using quality fresh ingredients. They strive to use local farmers as they come available. From their kitchen to the table they are passionate about giving an exceptional culinary experience with warm and professional service for a friendly dining experience.

Here’s what others have to say about HG Bistro:

“Atmosphere was intimate enough to hold a conversation. We got a table last minute on a Friday night and the staff was very inviting and warm. The food was also very good!” – Morgan F.

“A very nice small out of the way bistro between Sumner and Puyallup. The staff is very friendly and attentive. The menu wasn’t very busy. The atmosphere was between casual and fine dining. The food was delicious. They plate the food nice and fancy, felt more fine dining. They have 2 “sides” to the restaurant, one had the decor of casual the other more upscale. I would absolutely go there again.” – Calvin W.

“My Birthday dinner pick! I was so happy with everything. Dinner amazing and the birthday dessert was incredible. Service was outstanding, very attentive staff. I tried the Pom Pom from the drink menu and loved it!” – Kristal H.

For more information on HG Bistro, visit https://www.hgbistro.com.

You may also like: Restaurant Recommendation Series: Tibbitts at Fern Hill

2019 has officially begun, and with the new year comes New Year’s Resolutions. Being more active, saving more money, and organizing your life are common resolutions, but what about goals for your home? Here are 4 essential New Year’s resolutions for home owners.

4 New Year’s Resolutions for Home Owners

Start an emergency fund

One of the most essential New Year’s resolutions for home owners is to start an emergency fund. The idea of setting aside $100 cash every month to put in an emergency fund sounds doable, but often falls on people’s “will do later” list. But what happens if you’re faced with a life changing event where you need access to cash? This year, look at your finances and pick a monthly amount to set aside for your emergency fund. You could save over $1,000 in just one year by staying consistent in putting money aside. You’ll be so happy you did if/when the time comes.

Create a disaster kit

Your home is your castle, but it’s not indestructible. If you haven’t already, create a disaster kit to store in your garage so you’re ready to grab it and go should an emergency happen. A disaster kit that includes financial documents, copies of passports, and a home inventory will speed up recovery if disaster hits. Additionally, it’s a good idea to place at least 3 days of canned food in your disaster kit, along with emergency medical supplies so you’re set for a few days.

Budget for home improvements

Most homeowners have goals of what they want to improve in their home, even those who buy brand new homes. This year budget for one or two large projects so you’re able to make progress on this goal list. These large projects may be replacing roofing, kitchen appliances, or adding a living space onto the back of your home. By achieving one or two of these this year, you’ll stay motivated to keep finishing projects throughout the next few years, and with the right budget to do so.

De-clutter

If you feel like you’re running out of storage in your home, it is time to go through each room and de-clutter. Spend a day in each room and create 3 piles: keep, donate, and sell. Once you’ve made your way through your home, combine all the donate items and drive them to a Goodwill or Salvation Army. Once you have all your sell items in a pile, host a garage sale, or sell online via Facebook Marketplace or Craigslist. You’ll find your life less stressful when you get rid of all the unwanted clutter!

You may also like: Benefits of a Smaller Home

7 Home Quotes to Help Make Your House a Home

“Home is not a place it’s a feeling”

home quotes

This is one of my favorite home quotes because it’s true for everyone. No matter how many times you move houses, the feeling of home remains since you are creating memories with your family and friends. For those who travel frequently, relocate for work, or like to switch up the city of choice for the year, you still make every place you stay in your home.

“Home is a place you grow up wanting to leave and grow old wanting to get back to”

home quotes

When you’re young, there’s nothing you want more than to grow up and move out of your childhood home. But as you get older, the comfort and warmth of being home is so satisfying and calming.

“Home wasn’t built in a day”

home quotes

As a new home owner it’s easy to get caught up in the thoughts of wanting to decorate and fill your new home up with new Knick knacks right away. But remember, your home isn’t built in a single day. It’s years and years of memories spent with family and friends, souvenirs brought back from traveling, and small things that remind you of stories that happened in the home that make a house feel like a home.

“There’s nothing more exciting than moving into a new home”

home quotes

Moving homes can be refreshing for so many reasons. Maybe you simply wanted a change of location, maybe you wanted to wash away all the pain from yesterday, maybe you want to meet new people in the neighborhood. Whatever your reason is, moving into a new home is one of the most exciting feelings in the world.

“Disconnect to connect”

home quotes

These days, it’s really easy to lose yourself in social media and staring at a screen. When you’re at home, disconnecting from the stressors of screens can really help you recharge your battery. Disconnecting from electronics while friends and family are over is also a great way to make new memories with those you love the most. This is one of the most important home quotes to live by in today’s day and age.

“There is something permanent, and something extremely profound in owning a home”

home quotes

When you are the owner of a home, you take great pride in maintaining it. There is so much comfort in knowing that you own a large building and that you can decorate it however you want. If you want to build out the deck in the back, go for it! If you decide your paint scheme is totally off and want to go with an entirely new scheme, nothings stopping you!

“If you buy stuff you love, regardless of era or price, your home will be a true reflection of you”

home quotes

It’s really easy to feel pressure in decorating you home a certain way based on TV shows and internet photos. But remember, as long as you love what you’re setting out on display, it will be a true reflection of you and your memories. And that’s something the people you know and love will appreciate.

You may also like: 5 Simple Ways to Decorate Your PNW Backyard

In this series, I highlight the businesses I like to refer to my home buyers and sellers in the Pierce County area. This month I’m talking all things insurance with John Hayes, Farmers Insurance.

Vendor Recommendation Series: John Hayes, Farmers Insurance

I can’t say enough wonderful things about John Hayes, Farmers Insurance. First off, his packages are hard to beat. He’s very thorough in explaining every aspect of my home, auto, and business insurance plans. John is also extremely proactive, in that he makes sure he gives me a call if a plan is up for renewal. He also creates comparison charts to show me the value I’m receiving from Farmer’s verses competitors. So naturally, I recommend him all of my home buyers and sellers in the Pierce County area.

My clients also rave about him as an insurance agent. He is timely in his responses, and makes sure my clients have all their questions answered. I sell quite a few homes in Orting, WA where there are pockets of homes that require flood insurance. The ability to text John on the fly asking if a certain address requires flood insurance helps me set clear expectations to my clients from that start. This way my clients don’t get their heart set on a home that they then realize it out of their price range with the flood insurance included.

His goal is to help you find the best insurance plan that is tailored to your specific needs for your business or family. He prides himself on the relationships we build with our clients. He invites you to stop by for a cup of coffee to meet him and his team. He offer insurance products such as: Home Owners, Commercial, Auto, Life, and more!

Give him a call at (253) 961-6626 or visit his website, and he’ll be happy to answer any questions you might have.

You may also like: Vendor Recommendation Series: Immaculate Home Inspection.

In this series, I highlight the businesses I like to refer to my home buyers and sellers in the Pierce County area. This month I’m talking about Immaculate Home Inspection.

Vendor Recommendation Series: Immaculate Home Inspection

I started working with Todd Obergfell from Immaculate Home Inspection when I got my real estate license back in 2005. I can’t tell you enough how awesome he is to work with. He is extremely thorough in his home inspections and even provides his clients with the home inspection report before he leaves that day. He comes prepared with a printer and prints it out right in front of them. This allows the clients to review the report with Todd and ask any questions they may have. Both home sellers and home buyers are extremely satisfied with his work.

Todd works in the Pierce County area, but travels to wherever his clients are. Back when he was just starting out I remember he opened up our consultation with a card trick. He is a people oriented guy that is trust worthy and incredible at what he does.

Read below for some testimonials on Todd Obergfell from Immaculate Home Inspections.

This is Customer Service!

“Todd at Immaculate Home Inspection was fantastic.  He gave us a very detailed home inspection report.  He will climb up on the roof, get into your chimney, root around your crawl space, and find every small nasty place that needs to be checked out! He is very professional and friendly, and costs less than other inspectors in the area. I’ve called him at least 5 times since he inspected our home, and is always helpful and available to answer questions.  He’s even come out at least 3 times to check out some problems we’ve had, and even gave us a complimentary spot pest treatment because he missed it during the inspection. This is customer service!”

Better Than Well Done

“Todd and his team gets our HIGHEST recommendation! They arrived early and got right to work. His inspection was both meticulously thorough and spot on! He left us with a detailed report, photos and the knowledge that we had a complete understanding of the home’s condition that we were purchasing, both the great and the no so great. He found a few minor issues that we would never have caught which aided us in the negotiation process! It was a pleasure to have met and had him conduct our home inspection, we really cant say enough about this professional inspector. Thank You again Todd for a job better than well done!”

17 Years Experience

“We hired Todd to come out for a pre home inspection and could not have found a more enthusiastic professional!  With 17 years of experience he had a great attitude and really enjoys his work which shows with his energetic and immaculate work ethic from start to finish.  Very much recommend him to anyone looking for a home or pest inspection!”

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