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 Eastern Panhandle WV Real Estate Blog 
Tuesday, 27 December 2016

With the new year just a few days away, it's time to start thinking about what resolutions you are willing to stick to in 2017. Many common new year's habits include heading back to the gym, adopting a healthier lifestyle, kicking a habit, saving more and spending less. But if none of these fit the bill for you, at the very least, you will want to take on a few resolutions in your own Eastern Panhandle home.

We're sharing five new year's resolutions for Jefferson and Berkeley County homeowners below— good habits that will keep you happy and your home in its best possible shape!

Contribute to a homeowner savings fund
Whether you're a first-time homeowner or have lived in your Eastern Panhandle home for decades, you know that unexpected repairs and expenses can pop up on occasion. Avoid the stress of worrying how you will pay for these by contributing to a homeowner savings fund each month— or even each week! Set up an automatic withdrawal or set a reminder to move money around regularly so the funds are available when you need them!

Wash your windows frequently
Not only does this make for a cleaner appearance both inside and out, but clean windows allow more light to shine through and heat your home in the winter months. Who doesn't wish for a brighter, airier home?

Change your HVAC filters 
Regular maintenance helps your home systems to run as smoothly as possible and helps you to avoid unnecessary repair costs. Dusty HVAC filters slow the flow of air into your home and waste energy, so make a point to change the filters monthly. If you do not notice an abundance of build-up or dust, you can push this out to changing every three months.

De-clutter every room
Walk through your home with a box and grab any items that are not in their proper place. This applies to mail, catalogs, small appliances, knick knacks and the like. Relocate them to their respective homes or if they are simply taking up space, consider tossing them to de-clutter your home and help it to feel more open and spacious.

Turn off the lights
Make a plan to save energy in the new year! Turn off the lights when you leave a room or if you plan to return within 15 minutes, leave the light on. After all, each time you turn on the light, a CFL bulb's lifetime is shortened. This, however, does not affect LED bulbs. 

The new year is a great opportunity to land a fresh start and move to a new home in Martinsburg, Charles Town, Ranson, Harpers Ferry, Inwood, Hedgesville, Shepherdstown or Falling Waters! If you have questions about the homebuying process, local real estate market, available properties or calling West Virginia's Eastern Panhandle home, give Kable Team Realty a call today!

Happy new year!

The Kable Team
Kable Team Realty
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Posted by: Tracy Kable AT 11:16 am   |  Permalink   |  Email
Tuesday, 20 December 2016

Buying your first home is a major milestone. In fact, it is likely the largest purchase you will ever make! Careful consideration needs to be taken from determining what you want in a home versus what you need, your budget for the new property, the location you'd like to live in and even how much of a down payment you plan to use. But even with preparation, there are a few obstacles and mishaps that can pop up along the way for first-time buyers in West Virginia's Eastern Panhandle.

Below are just a few of the most common homebuyer mistakes for you to avoid as you begin to move forward with buying your first home in Martinsburg, Charles Town, Ranson, Harpers Ferry, Inwood, Hedgesville, Shepherdstown or Falling Waters:

Not shopping around for a mortgage
If you fail to gather several different quotes for your mortgage in Jefferson or Berkeley County, it is likely that you're leaving money on the table. It is always wise to shop around and visit lenders on the same day to pull quotes and terms, then decide on which makes the most sense given your financial situation and long-term homeownership goals.

Shopping for homes you can't afford
Sure it's fun to visit open houses in your neighborhood or around town, but as you begin your home search, always make sure you're looking in the right price range. The last thing you want is to fall in love with a home in Martinsburg, Charles Town, Ranson, Harpers Ferry, Inwood, Hedgesville, Shepherdstown or Falling Waters only to find it's way out of your reach. Use a mortgage calculator to get an initial idea then meet with a lender to get pre-approved before seriously shopping.

Not using a real estate agent
First-time homebuyers may start off increasingly confident in their abilities to "go it alone" in the process, but a real estate agent is someone you will want in your corner! After all, an agent negotiates on your behalf, has a network of contacts they will open to you and explains the process as you go so you are not left feeling overwhelmed or full of the dreaded buyer's remorse!

Are you thinking of buying your first home in Jefferson or Berkeley County this coming year? Do not hesitate to contact the Kable Team! We can walk you through every step of the way, answering every question about the real estate market and buying process.  

We look forward to hearing from you!

The Kable Team
Kable Team Realty
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Posted by: Tracy Kable AT 02:26 pm   |  Permalink   |  Email
Tuesday, 13 December 2016

If you have been watching mortgage rates change over the last few weeks, you may have started to think about refinancing. Afterall, if your current mortgage rate is higher than today's levels, a refinance could cut your monthly payment. However, there are just a few things you should know prior to diving into a refinancing on your Eastern Panhandle home. Just because it will save you money on your monthly mortgage payment, doesn't always mean it's the right move.

Below are three important things to note before you move forward with a refinance:

Refinancing Costs Money
Sorry, homeowners in Jefferson and Berkeley County— refinancing is not free! You will be required to pay closing costs which can typically span anywhere from 2 to 5 percent of your mortgage loan amount. For instance, if you are refinancing a loan of $150,000, your closing costs may range from $3,000 to $7,500 which you will pay upfront. Your lender may offer refinancing with no closing costs, but be aware that may also come with a higher interest rate.

Know When Refinancing Makes Sense
In order to determine if a refinance is worth it, you will need to look at your current rate. If your rate is more than 100 points above the current interest rates, a refinance would make sense. For instance, if you purchased your home with a 30-year mortgage and a rate of 4.8 percent and are looking to refinance as rates approach 4.1 percent, you would save around $170 and your closing costs would repay themselves in about 15 months. Your refinancing costs, as mentioned above, should repay themselves in two years or less. 

You Could Cancel Your PMI
Do you currently have private mortgage insurance (PMI) on your home loan? Your equity in the property, if you have gained significantly in the past years, your refinance may allow you to cancel your PMI. Remember, the loan balance must be 80 percent or less of your home's value in order to rid yourself of the monthly PMI cost. 

A refinance could save you significantly, but it is always wise to do your research ahead of time. If you have questions about your current home value and selling your home in Martinsburg, Charles Town, Ranson, Harpers Ferry, Inwood, Hedgesville, Shepherdstown or Falling Waters, give Kable Team Realty a call today!

The Kable Team
Kable Team Realty
Check Out Our Website
See Homes for Sale in Eastern Panhandle
Learn About The Kable Team
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Posted by: Tracy Kable AT 09:09 am   |  Permalink   |  Email
Tuesday, 06 December 2016

During the winter and holiday season, it is not uncommon for home sellers to become tempted to take their properties off of the market. The shared idea is that this busy time of year surely cannot attract many buyers and it is best to wait until spring— or is it? In today's market, with buyers browsing homes online 24/7, that idea is not necessarily true. In fact, it's safe to say that the home buying season is now year-round!

If you've been considering selling your home in Jefferson or Berkeley County, below are three reasons why you might like to do so now—during the holiday season—or even in January:

Buyers are always looking
As we mentioned above, Eastern Panhandle buyers are constantly in touch with listings via their smartphones, computers, tablets, you name it. They do not stop for the holidays! What's more, today's buyers do not typically take the entire holiday season off. They will not likely shift into holiday mode until the last minute and are still squeezing in work before the end of the year, so why would browsing listings be any different?

You have less competition
With many home sellers under the impression that spring is better for listing their properties, your competition is lighter during this time of year. Listing your home now in Martinsburg, Charles Town, Ranson, Harpers Ferry, Inwood, Hedgesville, Shepherdstown or Falling Waters means you can still attract the buyers present in the market without competing with too many other homes for sale. Your home can take center stage!

Homes show better during the holidays
Think of all of the cozy feelings the holiday season tends to bring— that can be a big help to Eastern Panhandle home sellers! If you've had your home listed over the past few months and it's not seen much activity, now may be the perfect time to do a little updating, whether with staging or pricing, and see if that is just what the property needed to spark buyer interest. If you're listing now for the first time, you may find that staging and decorating for the holidays allows buyers to feel more at home.

Ready to list your home and settle into a new property for the new year? Give Kable Team Realty a call today! We're happy to provide more information about the current real estate market, tips for sucessfully selling your home and more! 

We look forward to hearing from you!

The Kable Team
Kable Team Realty
Check Out Our Website
See Homes for Sale in Eastern Panhandle
Learn About The Kable Team
Find us on Facebook
Follow us on Twitter
Connect With us on LinkedIn

Posted by: Tracy Kable AT 10:28 am   |  Permalink   |  Email
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KABLE Team Realty

Tracy Kable, Broker
873 E Washington St, Suite 200
Charles Town, WV 25414-1520
Phone: (304) 725-1918
Email: TheKableTeam@TheKableTeam.com

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