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CHECK OUT MY NEW WEBSITE!!!

LibertyMutual.com/JessicaHill

You can get all the information you need to contact me for a auto/home/renter's/ or life quote!!!

The House Hunt Is On

Plan Before You Purchase

Welcome to the American Dream. You have lots of home-buying questions, so let's get right to them.

How Much House Can I Afford?
What you can afford depends on:
*Your income
*Your expenses (particularly credit payments)
*Your debt load and credit score
*Other savings needs, such as retirement and college tuition
*The type of mortgage you seek
*How much of a down payment you can make
*Current interest rates

Numerous Internet sites have calculators to help you determine how much house you can afford. Visit several of these from different sources: banks, real estate agents and independent sources, such as news sites. Just make sure you understand the underlying assumptions. For example, Yahoo! Real Estate's calculator defaults to a 30-year fixed-rate mortgage, a debt-to-income ratio of 36 percent and housing expense at 28 percent of monthly income, though it permits adjustment of these and other assumptions.

What Affects the Price of a Home?
Your preference for certain home features may up the cost to the purchase or add value, affecting your resale price down the line. If you don't need that third bedroom, why pay for it? Here are some things to consider:

Single Family vs. Condos, Townhouses or Cooperatives — Single-family units may be more expensive than comparable multi-family ones, and you have greater control over their value. Multi-family units generally require less maintenance on your part, though you'll pay for shared maintenance costs through fees.

Bedrooms and Bathrooms — Families generally request at least three bedrooms. For bathrooms, the magic number is two. If there's room, it might be worth adding another bathroom or converting a den into a bedroom.

Square Footage — Bigger is considered better and therefore more expensive. But for an individual buyer, layout is the more important consideration. A well-designed floor plan can make smaller spaces seem bigger.

Condition — A fixer-upper may seem a bargain, but proceed with caution. Improvement projects, particularly on older homes, often have hidden costs.

Streets — Cul-de-sacs are the No. 1 preference of families with young children. Corner lots may be larger and could mean less-visible neighbors. Busy streets mean noise and lower value — but if that doesn't bother you, you might find a bargain.

School District — A good public school system boosts the price of most homes. If you don't have children, this might not be a factor — except when it comes to reselling down the line.

How Long Should It Take?
The Internet will help you narrow your choices quickly. Meanwhile, a good real estate agent listens to your wants and needs and only shows you the homes that meet them. After seeing a few, circle back to your top choices. Your real estate professional will be able to guide you through the process of narrowing your choices and making an offer. A typical real estate contract allows 30 or 60 days before closing for paperwork, financing, inspections, title search and other considerations.

Happy House Hunting! :)

-Jessica

all work & some play...

The past few weeks I have been swamped with Liberty Mutual training trips...
First was Phoenix...

Then there was Orlando...(Anthony took a week away from work to come to this one).

As you can see, there is a lot of work--but defintiely room for play! I am really loving my job right now! I am a strong believer in loving what you do and just by doing this- you will be successful at whatever it may be! You are the person that chooses your destiny.

“Either you run the day or the day runs you.”
Jim Rohn