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 Eastern Panhandle WV Real Estate Blog 
Tuesday, 26 July 2016

With more West Virginia homeowners coming into a positive equity situation, the thought of taking out a second mortgage may cross your mind. Perhaps you need the money for purchasing a second home, financing a renovation or even your child's college tuition— regardless of the purpose for the new loan, you will want to do thorough research before making any big decisions.

A second mortgage is often called a home equity loan and, as you may have guessed, is another mortgage taken out on your home that allows you to tap into the equity you've established. There are pros and cons of Eastern Panhandle homeowners taking out an additional mortgage which we've included for you below:

PRO: Access to money for home projects or renovations
Taking out a second mortgage on your home in West Virginia's Eastern Panhandle will allow you access to funds for any renovations or home-related projects you have in mind. For instance, have you been dreaming of upgrading your bathroom? A second mortgage will let you tackle the project now versus waiting to save all of the money on your own.

CON: Your home is used as collateral
It's always important to remember that a second mortgage puts your home up as collateral. You could ultimately risk losing your home if you are unable to pay the loan back.

PRO: You may be eligible for great interest rates
Interest rates on home equity loans are typically lower than credit cards. For those in Jefferson and Berkeley County who are unable to lock in a reasonable rate or are hesitant to use up their savings, this is a helpful option.

CON: Acquiring more debt
There is chance that access to large sums of money to finance home projects or other purchases can tempt homeowners to spend more than normal, in turn leading to more debt. 

If you have questions about listing your home in Martinsburg, Ranson, Harpers Ferry, Charles Town, Inwood, Falling Waters, Shepherdstown or Hedgesville or buying a new property, give Kable Team Realty a call today!

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Posted by: Tracy Kable AT 01:03 pm   |  Permalink   |  Email
Tuesday, 19 July 2016

Buying your first home in West Virginia's Eastern Panhandle will raise many questions, from when to apply for a mortgage to which home inspector to hire and of course, when you need to begin seeking out homeowner's insurance. But before you shop for insurance for your new home in Martinsburg, Charles Town, Ranson, Inwood, Shepherdstown, Hedgesville, Harpers Ferry or Falling Waters, there are a few things you should know.

Kable Team Realty has included below three important questions you'll want answers to as you tackle this important step in the home buying process:

Should I have a policy before I buy a home?
Although you can technically be a Jefferson or Berkeley County homeowner without insurance, your lender may want to see proof of insurance before they will approve your mortgage. This oftentimes requires making a copy of your policy or having your lender confirm your policy with the insurance company. 

How much coverage will I need?
Walk through your home and take inventory notes of everything you own, including their value. You should also take the time to snap photos of all of your belongings, how much they cost you and keep receipts with them, if possible. Keep these records in a safe place, like a safety deposit box at the bank or another secure location outside of your home. Should something go wrong, you will be glad to have this master list to determine your losses. What's more, your insurance company will be able to decide how much coverage is best for you based on what you own.

How much will I pay every month?
The amount you pay every month is determined by the following factors: 

- Your home's location
- Your home's age
- How much it would cost to rebuild your home
- Distance to fire department and fire hydrant
- If you own pets and which breeds you own
- Your insurance claims history
- Your credit score
- The specific coverage you choose

Securing homeowner's insurance is an essential step in the buying process, but don't let this overwhelm you! Kable Team Realty is here to help make your journey to homeownership as easy as possible— give us a call today!

The Kable Team
Kable Team Realty
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Posted by: Tracy Kable AT 08:51 am   |  Permalink   |  Email
Tuesday, 12 July 2016

Buying a home in West Virginia's Eastern Panhandle is a big task and one that often comes with swarms of advice from family and friends. But that doesn't mean that every piece of information you receive should be taken literally— in fact, there are just as many myths flying around as there are facts. As your real estate experts in Jefferson and Berkeley CountyKable Team Realty has included below the home buying advice not to follow as you shop for a home this year.

You don't need a real estate agent
Before you are prompted to navigate the buying process alone, consider everything involved! Buying a home is much more than finding a property and making an offer, there are several parties involved from the title company to the seller to the seller's agent and inspector. So don't let the idea of cutting out commission fool you, a real estate agent is invaluable when it comes to today's market and you'll want to have the expertise on your side. 

Let the listing agent represent you
When buying a home, you may be tempted to cut out another party and just let the listing agent represent you. Why is that a bad idea? Remember that the seller's agent represents the seller and their best interests. You will want your own agent in your corner, trying to help you get the best deal!

You should wait until prices go back down
Many believe they have an idea of what the real estate market will do in the coming months, however, this is one tip you should not follow. Home prices are not expected to go back down any time soon and waiting will actually have you paying more money for a home— even if you just wait until the end of the year. With the lack of inventory and the busy season here, you should take advantage of the current prices before they start to rise!

Always make a low offer
It is always best to consult your real estate agent about how to formulate the best offer on a home in West Virginia's Eastern Panhandle. Making too low of an offer could risk insulting the owners and having them ignore the offer altogether. If you are serious about the property, you'll want to make an offer you're comfortable with, yet also a competitive one. 

The Kable Team
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Posted by: Tracy Kable AT 09:27 am   |  Permalink   |  Email
Tuesday, 05 July 2016

There are dozens of features that may be on your wish list when shopping for homes in West Virginia's Eastern Panhandle, but it is always wise to keep in mind that you likely will not find all of them in a single property. You may find yourself needing to compromise or even overlook certain features like wallpaper or older fixtures that can be easily replaced once you have the keys in hand.

As your local real estate experts in Martinsburg, Harpers Ferry, Sheperdstown, Hedgesville, Inwood, Ranson, Charles Town and Falling WatersKable Team Realty is here to help you find the perfect home that fits your wants and needs. Below are three features that should not keep you from making an offer on a home in Jefferson or Berkeley County this year— particularly if you love the location and layout. 

Wallpaper or outdated carpeting
These two features can certainly show a home's age, but they should not hold you back from making a purchase if you love the rest of the property. Today's homebuyers are looking for move-in ready homes but can easily forget how simple it is to replace these, even before you move in. You may even be able to negotiate the seller replacing the carpet or painting the walls a neutral color in your offer, but if not, these projects will take less than one week to complete and are relatively inexpensive.

Alternative spaces
Some homeowners in Jefferson and Berkeley County have turned their spare bedrooms into closets, offices and media rooms— but that doesn't mean you should cross the property off of your list because it's missing a bedroom. It's important that you look at the property as if the seller doesn't live there, for instance, remembering that while they use the room for media purposes, you don't have to. Each of these rooms can be converted back to their original purpose in no time.

Seller's belongings
As we mentioned above, it is essential that you tour a home as if the seller does not live there. Do not be turned off by family portraits, knick knacks or personal items on the countertops. Ignore all of the features that you can change—such as paint colors, window treatments and decor—and focus on how you can make the space your own.

Questions about buying a home in Martinsburg, Harpers Ferry, Sheperdstown, Hedgesville, Inwood, Ranson, Charles Town or Falling Waters this year? Give us a call!

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 12:26 pm   |  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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