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RED DOOR REALTY & ASSOCIATES
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Hi, I am Kim Buish (pronounced Bush). I may not be related to former President Bush, but I CAN help you whether you want to buy a WHITE HOUSE, a blue house or a yellow house! Please check back often for IMPORTANT and HELPFUL Real Estate information.
APR
10

By Kim Buish

As a long time Realtor ® I’ve spoken with many people over the years who have wanted to sell their Houston Texas Home themselves.

Although some people might think that this is a great way to save money and avoid paying a Real Estate Agent’s commission the reality is that less than 10% of homeowners across the United States each year actually succeed at selling their homes themselves.

What A Realtor Really Does For YOU

Besides saving you time and money, your Real Estate Agent will help you sell your Houston Texas Home by performing the following services for you.

  • Preparation – Your agent will recommend that you de-clutter your home and then stage it to sell.
  • Marketing – Working with an experienced Houston Texas Realtor also means that you will be have the pleasure of having an agent marketing your home both online and offline so buyers will be able to find it.
  • Negotiation – One of the most difficult aspects of selling a home is negotiation because some homeowners typically give away their homes for less money than what they are worth. Your agent will be an experienced negotiator who will also represent your best interests so your home sells for the MOST MONEY.
  • Closing – Last of all, your Houston Texas Real Estate Agent will also make sure that the closing of your home is handled smoothly and professionally including the signing of the contract.

Let me Sell Your Houston Texas Home

To connect with a Realtor ® who really knows Houston Texas and will be an agent you can depend on, contact me, Kim Buish, Realtor ® with Red Door Realty by calling me at (713) 819-1642.

MAR
30

By Kim Buish

Are you planning on buying or selling a Houston Texas Home? You’re not alone.

Houston is on the move right now thanks to a great Real Estate market, and historically low mortgage interest rates.

When you work with an experienced Realtor ® they will bring a lot of VALUE to the table especially in the following areas.

Realtors Are the Real Specialists

Since a Realtor ® only specializes in just Real Estate, they will save you the time, money and hassle of having to handle the more complex aspects of trying to buy or sell a home yourself.

A Real Estate transaction represents a deal that could amount to hundreds of thousands of dollars so it makes sense to work with someone who has bought or sold homes many times before in any situation.

You Will Enjoy Lower Risk

Did you know that another benefit which comes when you work with a Realtor is that your risk will be lowered regardless during your Real Estate transaction?

For example: when you buy a home you won’t have to concern yourself with understanding contracts all by yourself, and if you’re selling your home you won’t have to worry about dealing with unscrupulous agents or buyers who may try to get you to accept a discount on your home.

Your Realtor Will Have a Better Understanding of The Market

Last of all, but most important, your Houston Texas Real Estate Agent will have a better understanding of the Real Estate market than you and thanks to their experience level they will be able to insure that you are able to sell your home for the most money possible or buy a home without paying more than what it’s worth.

Buy a Houston Texas Home

For more tips on how a Realtor will help you buy or sell a Houston Texas Home, or to view the latest homes for sale, contact me, Kim Buish, Realtor ® with Red Door Realty and Associates by calling me at (713) 819-1642.

MAR
27

By Kim Buish

As a home buyer it may be easy for you to know what you want when it comes to buying a Houston home or sale but how do you know that you’re buying a home in the right Houston Texas Neighborhood?

In today’s post I will breakdown four simple clues that will let you know you’re buying a home in the right Houston neighborhood.

Clue #1 – You’re Excited about the Neighborhood

Spend 10 minutes walking around the neighborhood.

If you’re excited about the neighborhood, and can see yourself and your family living there for years to come, then it’s going to be the right Houston Texas Neighborhood for you.

Clue #2 - The Neighborhood Meets Your Image of What a Neighborhood “Should” Be

Does the neighborhood having children playing outside?

Are the neighbors showing pride of ownership in their homes?

Is there a neighborhood park nearby?

If you answered yes to any of these questions then the neighborhood is going to be perfect for your family.

Everyone has a mental image of what a neighborhood “should be” in their minds, and if you’re honest with yourself about what you’re really looking for in a neighborhood, you will find the exact Houston Texas Neighborhood you’re searching for.

Clue #3 – You’ve Found the Neighbors to Be Friendly

Besides taking the time to tour the neighborhood you should also spend time talking with the neighbors there too.

Although it’s not a deal breaker, friendly neighbors really make a neighborhood livable and you want to make sure that you can walk away feeling optimistic and happy about the people you will be sharing the same neighborhood with.

Clue #4 – The House Is Close To Everything

Last of all, but most important, when the neighborhood meets your criteria and specifications for a neighborhood, the next thing to do when analyzing the neighborhood is to see how close it is to everything.

Will you future home be close to your job, work, stores and entertainment options in Houston?

Make sure that you can answer yes to at least some of these questions since the distance of your home from the places that you need to use or commute to on a daily basis will affect the quality of your life.

For more tips on if you’ve found the right Houston Texas Neighborhood, or to search for homes for sale, contact me, Kim Buish, Realtor ® with Red Door Realty & Associates by calling me at (713} 819-1642.

MAR
18

By Kim Buish

In Real Estate ® one of the oldest questions people have been asking for generations is if it’s better for them to move to the city or suburbs.

This is an important question to ask because, moving to the city or suburbs both have their pros and cons.

Before making a decision on your next move read this post to learn more about if the city or suburbs are right for you.

Why Move To The City?

Pros - Some of the pros of living in the city include: many restaurants to choose from, more stores for shopping, lots of entertainment options and better access to Internet or telecom services which you may want to use at home or in your business.

Cons – Higher crime rates, higher home prices, busy streets and fewer friendly neighbors are just some of the things you might find when you move to the city but if your goal is to enjoy a fast paced life, and options which can’t be found in the suburbs, then the tradeoff may be worth it for you.

Why Move To The Suburbs?

Pros – Lower home prices, safer streets, more green spaces and that small town feel are some of the things you will find when you move to the suburbs.

Cons – Yes, the pros might outweigh the cons when it comes to living in the suburbs, but, it’s also important to consider that living away from the city might increase your commute if you work there and that will also mean less time with your family during the week as well.

Ultimately your decision to live in the city vs. living in the suburbs all comes down to personal choice so it’s best to weigh all of the pros and cons plus the real financial costs of both before making your decision.

For more Real Estate tips, or to view the latest homes for sale in Houston and surrounding counties, contact me, Kim Buish, Realtor ® with Red Door Realty by calling me at (713) 819-1642 or click here

MAR
10

By Kim Buish

Are you searching for a Houston Home for Sale?

As the weather warms up across Houston it’s getting more complicated for buyers to find the homes they are searching for.

Before you searching for a Houston Home for Sale make sure you follow these 3 simple tips.

Tip 1 – Close That Laptop And Start Attending Open Houses

2015 is shaping up to be another busy year for Real Estate, and with spring right around the corner you can expect the process of buying a home to get more complicated as you will be dealing with increased competition from other buyers.

To avoid missing out on great opportunities it’s best to not dawdle.

Get out from behind your laptop and visit open houses as soon as homes come to market.

Tip 2 – Educate Yourself about the Real Estate Market Quickly

Another way you can avoid the heartbreak of missing out on a great Houston home for sale is to educate yourself on the local Real Estate market so you know what homes are really worth when you submit an offer.

You can easily educate yourself about the market including local property values by reviewing property information on http://www.har.com or by consulting with your local Realtor ®.

Tip 3 – Get Pre-Approved For a Mortgage Loan Now

Right now we are seeing mortgage interest rates as low as 4.00%, or lower, depending on lender.

If you want to save thousands of dollars during the lifetime of your mortgage loan it’s best to get pre-approved for a mortgage now rather than later especially since the Federal Reserve is expected to raise mortgage interest rates by the end of the year.

For more tips on things you should do before searching for a Houston Home for Sale contact me, Kim Buish, Realtor ® with Red Door Realty & Associates by calling me at (713) 819-1642 or click here to contact me through my website. 

MAR
5

By Kim Buish

As a Realtor ® my number one goal is to help Houston Homeowners sell their homes for top dollar but, sadly, common home repairs are the biggest culprits that stop homeowners from getting the most money for their homes.

In today’s post I will share with you 4 repairs you should consider making to your home before you list it for sale.

Tip 1 – Repair Crooked Cabinets

When you stare at you’re the cabinets in your kitchen or bathrooms do you have to tilt your head?

If your cabinets are a little crooked, take the time to properly hang cabinet doors, repair broken hardware and insure that the doors to you cabinets can open easily when buyers come to view your home.

Tip 2 – Fix Leaks in Your Home

Does your kitchen or bathroom sink leak?

Maybe the back of your toilet resembles a lake?

Hire a plumber now to fix those leaks since water leaks can be very costly and if they go unchecked a leak can ultimately cost you thousands of dollars in repairs to flooring and cabinetry.

Tip 3 – Oil Squeaky Doors and Hinges

Although your home might be newer, if it has squeaky hinges or doors you should oil them immediately since they can cause a home buyer to wonder what else may be wrong with your home.

Tip 4 – Open Stuck Windows

One of the biggest mistakes Houston homeowners make is painting over their windows, especially in basements or spare bedrooms.

You should unstick those stuck windows in your home as soon as possible since home buyers will want to know that everything in your home is in proper working order.

I Help Houston Homeowners Sell Their Homes

For more tips on repairs you can make to your Houston Home contact me, Kim Buish, Realtor ® with Red Door Realty and Associates by calling me at (281) 852-3667.

FEB
20

By Kim Buish

As a long time Realtor ® in the Houston area I’ve been asked by some of my clients in the past: “Kim, should I fix my home before selling it?” and my answer is always YES, you should fix your Houston home before selling it, here’s why.

Sell Your Home for YOUR Price

Fixing those problem areas in your home now, or making those renovations you’ve been thinking about making to your home, WILL enable you to sell your Houston home for YOUR price, instead of being faced with buyers who submit lower offers or ask for credits when they purchase your home.

Great Return on Your Investment

If you’ve been thinking about renovating your kitchen or bathroom, you can expect a return on your investment of up to 100% since updated kitchens and bathrooms are what most buyers are searching for.

List Your Home with Pride

Another reason to fix your Houston home before selling it is this will give you pride in the fact that you’re selling the best possible representation of your home, and not a house you have to apologize for, because you didn’t repair those problem areas.

Eliminate Buyer Concern

Last of all, but most important, renovating your Houston area home NOW, instead of later, will also help you to eliminate buyer concern and stop them from wondering what else may be wrong with your home when they visit it.

Helping Houston Home Buyers

For more reasons why you should fix your Houston home BEFORE selling it, or to view the latest homes for sale across Houston, contact me, Kim Buish, Realtor ® with Red Door Realty and Associates by calling me at (281) 852-3667 or click here to contact me through my website. 

FEB
18

By Kim Buish

Are you getting ready to list your Houston Home for Sale?

Before contacting an agent make sure you follow these 4 tips for getting your home ready for sale.

Tip 1 – Focus On Curb Appeal First

Spend one weekend to thoroughly clean up your yard and improve curb appeal by mowing and trimming your lawn, cutting back overgrown bushes and shrubs, planting new flowers and replacing your outdated mail box.

Tip 2 – Clean Your Home from Top to Bottom

Start in the front of your home and clean every inch of your house including: your medicine cabinet, refrigerator and closets.

Buyers will inspect every square inch of your home so its best think like a buyer do a complete cleaning job to insure that your home is thoroughly clean.

Tip 3 – Polish Your Kitchen Cabinets

Take the time to polish your kitchen cabinets with Old English polish.

This will give your cabinets a new, fresh look and save you the time, money and hassle of having to do the hard work of sanding and refinishing them yourself.

Tip 4 – Remove “Smells” From Your Home

Last of all, take the time to remove those “smells” from your home.

You can make your home smell so much better by airing it out for a few hours each week, placing dryer sheets in your heater vents and using a water/vinegar spray mix to remove smells from carpeting or other areas from your home.

List Your Houston Home for Sale

For more tips on how to get your home ready for sale, or to view the latest homes for sale across Houston, contact me, Kim Buish, Realtor ® with Red Door Realty & Associates by clicking here to contact me through my website or calling me at (713) 819-1642.

NOV
9
 

6 must-haves for mortgage approval

Even trade-up buyers, owners of multiple properties hit roadblocks

By Dian Hymer
Inman News

Interest rates fell to new lows in September. Low interest rates increase affordability and should make it easier for buyers to qualify. Yet stories of buyers waiting months to gain loan approval and home purchase transactions not closing on time due to lender's strict underwriting are all too common.

Some buyers are turned down for illogical reasons. For instance, if you have investments -- even if they're performing well -- an underwriter might deny the mortgage because your portfolio doesn't fall into the underwriter's risk assessment model.

One couple was turned down because the husband had worked at his current job for less than a year -- even though he was making more money at the new job than he was before.

These buyers were well-qualified. The wife had worked several years for one employer and was able to qualify for the loan on her own. So, the transaction closed, although two months late.

Generally, it's more difficult to qualify now than it was a year ago. Most conventional lenders require a 20-25 percent down payment. For the lowest interest rates, your credit scores need to be in the 700 range. You need to have verifiable income and cash reserves in addition to your down payment and closing costs.

You could run into underwriting problems if you're self-employed, as W-2 income is much easier to verify. Other hurdles are lapses in employment and owning a lot of property. Some lenders won't lend to buyers who have more than three or four residential properties.

If you're buying a new home before selling your current home, you'll need to have 30 percent equity in your current home. This needs to be verified by the lender's appraiser. Also, the lender will want to see a copy of the cashed check from the tenant for the first month's rent to verify rental income if needed to qualify.

HOUSE HUNTING TIP: As soon as you're serious about buying a home, find the best mortgage broker or loan agent you can to assist you. Don't make your selection based on interest rates alone. A good track record counts for a lot.

Closing the deal should be your primary goal. If you have to pay 0.25 percent more to assure your transaction closes on time and that you're not turned down at the last minute, it's worth it.

Be candid with your loan professional about anything in your financial picture that might impact loan qualification. A good loan agent or broker will be able to assess your financial situation and anticipate what you'll need to do to satisfy the underwriter.

Be aware that appraisal issues can impact your loan approval. For example, if a previous owner added square footage without a building permit, the additional square footage probably won't be included as livable square feet.

If the appraisal comes in for less than the purchase price, the lender might not lend you enough to close the deal. Include an appraisal contingency in your contract.

As of Oct. 1, the conforming jumbo mortgage limit for expensive housing markets like New York City and San Francisco dropped from $729,750 to $625,500. In some cases, conforming jumbo lenders have moved into the market to pick up some slack. You can expect to pay about 0.25 percent more for a 30-year fixed-rate conventional jumbo loan, in some cases. However, today's lower interest rates will help boost affordability.

There are more jumbo financing options available now. Adjustable-rate mortgages that are fixed for 10 years and then revert to an adjustable have a starting rate about 0.25 percent less than a 30-year fixed jumbo. A five-year fixed starts about 0.5 percent to 0.75 percent lower, but is riskier.

THE CLOSING: Because of the risk factor, the lender may want you to have a large cash reserve. Your retirement account counts toward this.

 
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