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Don't Make These Financial Mistakes After Applying For A Mortgage!

by The Domis Team

When you submit your mortgage application for your new Whittier CA area home, you might think your financial work is over. You have a great credit score, your savings are in order, and you are confident that you will be approved. However, even if you are approved for your loan, there are still mistakes that you can make during this time that can affect your qualifications for the loan. Avoid these financial mistakes after submitting your application so that you can enjoy life in your new home!

 

Closing Credit Accounts. Although you might think that closing accounts so you have less lines of credit makes you less risky, but really it can negatively affect your score. This is because it changes your percentage of available credit in relation to credit used. In addition, lenders want to see your length of credit history so don't close accounts at this time.

Applying For New Credit. Every time you apply for new credit, a credit check is run and your FICO score goes down. Don't open a new credit card or start an automobile loan because it could affect your eligibility.

Being A Co-Signer. Similar to the previous mistake, this one will add an additional line of credit to you, regardless of whether you are the one actually making the payment or not. Avoid co-signing anything no matter how much you might want to help another person out.

Depositing Cash. It is important that lenders can trace the source of your money and cash makes this hard to do. Talk to your loan officer before making cash deposits so they can better help you with important documentation.

Changing Bank Accounts. Your current bank accounts are used to track your assets by the lender. Do not close any accounts, open new ones, or switch banks during the mortgage process.

Making Large Purchases. Large purchases, such as vacations, vehicles, and furniture, can increase your debt and change your qualifications. Even if you can afford the item upfront, it is best to hold off on large purchases until after closing on your new home.

Job or Income Changes. Your job and annual income are very important factors that lenders base decisions off of. Career changes or alterations to your salary can keep you from being approved for your mortgage.

 

Check out our Website and follow us on Facebook for more helpful Home Financing and Home Buying tips!  

Get Your Whittier Yard Ready For Spring!

by The Domis Team

Make your Whittier Area yard the envy of the neighborhood this spring! Prepare your yard for spring today so you can spend less time tending to it in the coming months and more time enjoying its beauty! Get started on these lawn care tasks and marvel at your yard's beauty!

 

1. Start Seeding

We have already started to experience very warm days. Before the temperatures rise anymore, add grass seed or sod to bare and thin spots around your yard. This will allow it to root before weeds can grow.

 

2. Remove Debris

Make sure to remove any branches, leaves, and other debris from your yard. Not only will it make your yard simply look more attractive but it will ensure proper growth for grass and plants.

 

3. Prune & Fertilize

Remove old growth from plants and prune trees and shrubs so new spring blossoms have room to bloom. Add some slow release fertilizer with pre-emergent herbicide to your garden plants, shrubs, and trees. This will help your beautiful spring plants grow while keeping weeds at bay.

 

4. Start Planting

Get that green thumb in gear and start planting your perennials, trees, and other plants. With all the rain we have been getting, these plants will appreciate the wet soil and will take root better now than when we start to experience even warmer temperatures.

 

5. Maintenance Your Mower

Keep your lawn mower in tip top shape all spring and summer by giving it some TLC right now. Sharpen the blades, give it an oil change, and replace the spark plugs and air filter.


For more great landscaping and home owner tips, check out our WEBSITE and follow us on FACEBOOK.

Home Renovations That Pay Off!

by The Domis Team

Renovations of your home can help you sell your home for top dollar. But, not all renovations are created equal. When making improvements on your home before selling, you want to make sure that the project has a Return on Investment (ROI) that will benefit you! Luckily, we have the inside scope on which home renovations are the best. The Remodeling 2019 Cost vs. Value Report (www.costvsvalue.com) analyzes the costs for some of the most popular renovation projects and finds out what the value of those projects are when the home sells. Here are the top 5 home renovations that pay off for your Whittier Area home!

 

Garage Door Replacement: Upscale renovation that replaces your current garage door with a 4 section steel door.

Job Cost = $3,785 | ROI = 123.8%

 

Manufactured Stone Veneer: Mid-range renovation that adds stone to the bottom half and entry way exterior of your home.

 

Job Cost = $9,507 | ROI = 110.4%

 

Wood Deck Addition: Mid-range renovation that adds wooden deck to back exterior of home.

 

Job Cost = $16,511 | ROI = 87.8%

 

Minor Kitchen Remodel: Mid-range renovation to kitchen with energy efficient appliances, new flooring, new countertops, refinished cabinetry, and other cosmetic changes.

 

Job Cost = $24,950 | ROI = 87.1%

 

Fiberglass Grand Entrance: Upscale renovation that replaces front door with fiberglass door with dual sidelights.

 

Job Cost = $9,568 | ROI = 85.1%

 

When you are ready to sell your home, give the Domis Team a call today at (562) 884-5373 or visit our website at http://www.whittierhomes.com/.

Enhance Your Curb Appeal By Styling Your Front Door!

by The Domis Team

Looking to sell your Whittier area home? Help it stand out from the competition with some incredible curb appeal. Keep your lawn nicely manicured, add pops of color throughout your landscaping, wash and repair the exterior of your home, and make those windows sparkle.

However, most home sellers on the market are going to do these same things to their curb appeal. Break away from the crowd by utilizing another great curb appeal trick.....front door styling! This simple update makes your front door a major focal point. 

Here are some great styling tips that are sure to have buyers eager to see what else your home has to offer!

 

1. Paint your door a fantastic color that complements the exterior of your home.

2. Be creative with your home address numbers.

3. Make it bright with large, bold exterior lights.

4. Create a cozy and clean seating area on your front porch.

5. Accentuate the entryway with well placed accents, such as potted plants!

 

Visit our Website and follow-us on our Facebook page for more great curb appeal tips to help you sell your home!

Follow These Financial Tips To Afford A New Whittier Home Today!

by The Domis Team

Looking to Buy your dream Whittier Area home but worried about your ability to afford it? Start making steps to improve your finances today! A new home is never out of reach! Here are some helpful tips to get you financially prepared to buy!



Once you have your have started to follow these tips to afford your dream home, The Domis Team is here to help you throughout the buying process. Give our team a call today or visit our website at http://www.whittierhomes.com/.

Freshen Up Your Whittier Area Home With Houseplants!

by The Domis Team

Looking for an easy way to freshen up the decor in your Whittier Area home? Add some beautiful houseplants! Houseplants add interest to the interior design of your home with new textures, colors, and shapes. They have additional added benefits as well! They help your home's air quality, reduce sickness, increase focus, and much more! While it's up to you exactly what houseplants you want to add to your home, here are some helpful tips on how to choose them!

 

1. Determine where in the home you want to add the plants. Based on the decor needs and growing conditions (i.e. brightness of the location) of the spot, you will be better able to find a plant that matches those particular needs.

 

2. Another important factor to consider when picking out plants is how much care you want to put into it. Some plants require more constant attention than others. Foliage plants tend to need the easiest care and last throughout the year. Flowering plants are often more temperamental and seasonal. Along the same lines, decide whether you want to start the plant from a seed or care for one that has already bloomed initially. Growing a plant from a seed is an incredibly rewarding process but takes more time and care whereas maintaining a plant is often easier.

 

3. Find a reputable store to purchase your houseplants from them. The plants should look healthy in the store so you know that they have been properly cared for. This ensures that they will last once you bring them home.

 

4. Don't just look at the store, however. There are other places to purchase seeds and plants, especially of the rarer variety. Look at catalogs, garden magazines, and plant societies for unique options. Just make sure any place you order from has a money back guarantee since plants can easily get damaged in transit.

 

5. Do a thorough examination of the plant before buying. Make sure the stems and leaves are firm, the foliage is lush and colorful, and there is no waxy film on the plant. There should also be evidence of new growth.

 

6. Check the soil with your fingers. Repot the plants if the soil feels very loose or very compacted, in order to ensure proper growth of your plant.

 

7. Look for signs of insects or disease. Both of these will easily spread to other plants in your home so it is best to avoid them at all costs. The best areas to check are locations where the branches join the stem.

 

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Make Your Home Look More Expensive With These Elegant Touches!

by The Domis Team

Add some beautiful elegant touches to your Southern California home before listing it on the market! Making your home appear more expensive can help peak buyers' interests and drive your offer prices up! Here are 7 areas where added elegance will help make your home appear more expensive!

 

1. Paint Color. Whenever you want to sell your home, you should always apply fresh paint to the walls to help clean it up. Choose a neutral color with a slight sheen. This will add a subtle touch of elegance to the walls while still appealing to a wide array of buyers!

 

2. Declutter. Remove all unnecessary items and furniture from your home. You want your buyers to be able to visualize themselves in the space and get a good understanding of the home's functionality without any distractions. Once you have cleaned up, find a single focal point in each room to highlight the architectural features of the home.

 

3. Kitchen Appliances. Kitchens are often a major selling point for buyers. Help yours stand out by upgrading the appliances to stainless steel or brightly colored finishes; both of which are often found in high end homes.

 

4. Fixtures. Although small, fixtures can quickly date your home. Replace outdated hardware, lighting, and plumbing for some modern elegance.

 

5. Crown Molding. Create classic elegance by adding crown molding to the living and dining rooms.

 

6. Window Treatments. Update your window treatments with drapes, blinds, or Japanese shades. Keep it elegant by avoiding patterns. Create a bright, airy atmosphere by getting curtains that let in the outdoor light.

 

7. Garage Door. The outside of your house is the first thing buyers will see. With the garage door taking up a large quantity of your exterior, you should consider updating it. Make your home appear more expensive by replacing it with a wood door with carriage home details. This upgrade, although more costly, will get you a high return on investment once you sell.

 

 

 

Interested in Selling your Whittier area home? Give the Domis Team a call today or visit our website at www.whittierhomes.com!

Score A Great Deal On Your Dream Home!

by The Domis Team

Buying a home is a major financial step and like anything we buy we want a great deal on it. Although a home is listed with an asking price, buyers do not always have to offer more to secure the home. In some cases, you might be able to offer a lower price and score a fantastic deal! If you are looking to buy a home in the Whittier Area, check for these five signs that you could get your dream home for under listing price!

 

1. The Seller is Anxious

There are some homeowners out there that anxious to sell their homes quickly. Maybe they are moving away quickly for a new job or can no longer afford the home. It is possible to find out the motivation behind selling the home. Once you and your realtor can identify the needs of the seller, you can negotiate a offer that will allow the seller to quickly close on the home.

 

2. The House is Overpriced

In some cases, a home owners love for their house can cause them to overprice it. When a home is overpriced, it often sits on the market for long periods of time. Talk to your realtor about comps in the neighborhood. If you find one with an inflated price in the market, you will likely be able to negotiate a lower price.

3. You Aren't Picky

While most buyers want to find their dream home, there are some that are willing to compromise on their wants list or have plans to make renovations once you move in. If you are more concerned about getting a great deal than on the home itself, offering a low price is a good option for you.

 

4. The Home is On and Off the Market

Sometimes homes go on and off the market several times. This becomes a tedious process for the seller and they are often motivated to accept an offer that will certainly be completed. If your agent and you find one of these homes, consider offering a low price.

 

5. The Home is Outdated

You found a home with out of date style. The homeowner might be having a difficult time selling since many buyers want a move in ready home. If they haven't been getting many offers, they will be more willing to accept a lower price since you will have to put work into the home upon buying.

 

Check out our Homes for Sale in the Whittier area. Work with The Domis Team to see if one of these situations will work in your favor to get a great deal on your future home. Give us a call today or visit our website at http://www.whittierhomes.com/.

Take Professional Looking Photos of Your Listing Without A Pro!

by The Domis Team

Home buyers today are tech savvy and almost always begin their home searches online. This means that online listings are vitally important to garner interest in your home. If you are looking to sell your Whittier Area home, make it look its very best on the screen. There are some easy tips to follow to make your photographs look professional.

 

Equipment: Your photos will only be as good as your equipment. While smartphones do have better camera capabilities these days, they are still unable to capture images the way that an actual camera can. Shoot with a DSLR camera to ensure your images look their very best. Use a tripod for every photo. Hands invariably shake which can lead to blur in your image. Tripods make sure there is no camera shake and help keep your images straight. A crooked photo makes the image look amateur.

 

Lighting: Lighting is the most important aspect of your image. Your photo must be well-lit in order to look its best. When taking images of the exterior of your home, always pay attention to the position of the sun. Find out what time of day the sun is shining directly on the front exterior of your home. This will ensure that it is fully lit and devoid of any shadows. When shooting indoors, keep all of the room's lights on and the curtains open to let natural light in. Although all of this might seem like adequate lighting, you should still use an exterior flash, in addition, to keep the image fully lit.

 

Framing: Where you position yourself and what lenses you use help you capture the best aspects of your home. Although an image is flat, you need to convey a sense of the size of your home. Use angles that make the space appear larger. Shoot your images from the side of furniture to avoid making the room feel cramped. Keep three walls of the room within the frame. This trick makes rooms larger and provides balance to the image. When you take these photos, use a wide-angle lens to capture as much of the space as possible. For photo's of your home's exterior, shoot from an elevated position straight on so that you can capture all of the home as well as some of the landscaping.

 

Content: Consider what buyers need to see in your photos in order to want to see more of your home. Take a lot of photos outside and inside of your home so that you have more to choose from. Make sure the best features of your home are highlighted. This also includes what you see from your windows. When you take interior photos, use a deep depth of field so everything in the fore-, middle-, and back-ground are in focus.

The photographs of your home are just the beginning! When you are ready to sell your home, give the Domis Team a call today at (562) 884-5373 or visit our website at http://www.whittierhomes.com/.

Outsmart These Common Home Buying Misconceptions!

by The Domis Team

You've decided to buy a new home. Congrats! Home buying is an exciting but daunting task. Whether you are a new or experienced home buyer, there are a lot of common misconceptions about the process that can cause you more stress and difficulties immediately and into the future. Let us help you outsmart these misconceptions and know all the facts before you set off on your journey towards your dream home!

 

Common Misconception: The Home Search is the First Step.

Truth: Although searching for homes on the internet might have jump-started your journey towards home buying, it should not be prioritized as your first step in the process. Stop searching for homes and FIRST focus on your finances. This involves making sure your credit is in good standing to receive pre-approval for your mortgage. By focusing on your financing before searching, you can accurately know what homes on the market fit within your budget and focus your search within your parameters. There are few things worse than having your heart set on a home only to discover that there is no way you can afford it.

 

Common Misconception: Bad Credit Disqualifies You from Buying a Home.

Truth: While having good credit is obviously to your benefit during the home buying process, you still have options even if your credit is not stellar. Home buyers with bad credit have financing options, such as FHA loans, that might be available for them. It is important to take the time to research your options.

 

Common Misconception: 30-Year Mortgages Save You Money.

Truth: It all comes down to math. Regardless of whether you choose a 15-year or 30-year mortgage, you are borrowing the same amount. However, you are multiplying the amount of time that you are paying back that amount by 2. This means more interest is accruing over this additional time and you will end up paying MORE. This is not to say that a 30-year mortgage is not your best option. Just ensure that you do plenty of research on all the loan options available to you to select what best fits your financial situation now and into the future.

 

Common Misconception: The Down Payment is your ONLY Upfront Cost.

Truth: Home buyers need to budget for several costs that can quickly add up during the process. Along with the down payment, home buyers should plan for a credit report, inspection, and insurance costs. The deal you settle on with the seller could require you to pay for the closing costs as well.

 

Common Misconception: Your Down Payment Should be 20%.

Truth: A 20% down payment can help make you competitive among other buyers and can help you avoid paying for Private Mortgage Insurance (PMI). However, not all lenders require that amount. You may be eligible for a down payment of 5% or 10% if you are willing to pay for PMI monthly. There are also FHA loans and other down payment assistance programs that might be available to you.

 

Common Misconception: A Home Inspection is NOT a Necessity.

Truth: You should never waive the home inspection, no matter how much you want the house. Some sellers will try to negotiate this into the agreement but it is not in your interest. There is too much risk of there being something wrong with the house. You could end up having to spend a fortune in your money and time by skipping this step. Ensure that you find any potential issues with the house before you purchase it.

 

Common Misconception: Focus on Your Immediate Needs.

Truth: You should always consider what you and your family need in a home right now and into the future. Although it is impossible to know what your future holds, you want to choose a home and neighborhood that fits your needs now and indefinitely. Whether or not you have or will have children, find a home near good schools. Research has shown that homes near excellent schools have a higher resale value.

 

Common Misconception: You Must Offer the Asking Price.

Truth: Although you might fear losing your home to competition by offering a lower price, you should always try to negotiate a deal that best fits your need. Sellers are obviously hoping to get top dollar for their home but they also want to sell it quickly and easily. By showing that you have good credit, are pre-approved for a loan, and/or have your down payment ready to go, sellers will likely be willing to negotiate with you since your finances are in order. Also, the results of the home inspection can also be used to help you negotiate a lower price.

 

Common Misconception: You Can Go It Alone.

Truth: While the internet makes the search for homes arguably easier and more convenient for individuals, you should always work with an Experienced Realtor during the home buying process. There is a wealth of knowledge that only realtors can offer! We understand the local market, have years of negotiation experience, and so much more. We can help alleviate the inevitable stress that comes along with the home buying process by being by your side and always keeping your best interests at the forefront.


Ready to BUY your dream home in the Whittier area? Work with the very best! Give The Domis Team a call today or visit our website at http://www.whittierhomes.com!   

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Photo of Linda & Ryan Domis - The Domis Team Real Estate
Linda & Ryan Domis - The Domis Team
Keller Williams
16310 E. Whittier Blvd. Suite F
Whittier CA 90603
Cell: 562-884-5373
Cell:562-458-6947
Fax: 562.902.5158
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Linda Domis - BRE #00571375 | Ryan Domis - BRE #01969771
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