Smyrna Real Estate and Community News

July 16, 2019

Mortgage Rates for July 2019

 

 

Last month mortgage rates continued to fall, with 30-year-fixed-rate loans falling below the four-percent mark. This marked the lowest rate since 2017. If you’re looking for a property in Smyrna and you’ve got good credit, 2019 is turning out to be very favorable for borrowers. If you’re looking to refinance, the low mortgage rates this year present a perfect opportunity to explore whether you’d be able to get a better rate that you have at present.

 

 

 

If you’re interested in shorter-term lending, there’s good news, as well. The rates for 15-year fixed-rate mortgages also went down during June, hitting 3.34 percent toward the end of the month from 3.38 percent at the beginning of the month.

 

 

 

Economic forecasts predict that mortgage rates should remain at low levels through the end of the year. At the moment, while the economy has been going well of late, there’s a perception that it’s likely to slow down. Economic experts are predicting that the Federal Reserve will cut interest rates by the end of 2019, which could provide even more favorable conditions for those seeking a mortgage.

 

 

 

Good for First-Time Buyers

 

 

 

Lower mortgage rates are always good news for first-time buyers, since they tend to get hit with higher rates than average. However, you’ll still want to work with a Realtor, even if you find yourself, as a first-time buyer, able to get a loan on very good terms. Realtors can be of enormous assistance with another major complicating factor for first-time buyers: price.

 

 

 

First-time buyers are generally looking at the less-expensive end of the market and, if you don’t have someone working with you, finding a house at the right price can be a tall order. Affordability is always a big concern for first-time buyers, but your Realtor can help you find a good price on property in several ways. Aside from their detailed knowledge of the inventory in the Smyrna housing market, Realtors are also expert negotiators and they use those skills to make sure you get the most for your money. In some cases, that might mean you can get the property you want by borrowing less, or that you can get a property you didn’t think was in your price range because the Realtor can work out a fair price with the buyers.

 

 

 

To figure out how much you can take, consider getting pre-qualified for a mortgage by a lender. This isn’t a commitment to giving you a loan, but it gives you and your Realtor a price range to work with, making it faster and easier to find a suitable property.

 

Posted in Community News
July 10, 2019

House Showing Preparation Tip: Clean Your Gutters

 

 

If you’re selling a property in Smyrna, there are always a lot of details to attend to. When you’re cleaning up your house, it’s easy to forget those out-of-the way parts of the property that, if not properly maintained, can make a terrible impression on buyers. Your gutters are one such part of your property.

 

 

 

Checking the Gutters

 

 

 

If you’re comfortable taking care of this work yourself, cleaning your gutters usually takes no more than an afternoon, but can avert a disastrous showing. The first thing you’ll want to do is flush the gutters.

 

 

 

Start by removing any large collections of debris that have accumulated in the gutter. In particular, check the areas around the downspouts, as these tend to collect a lot of twigs, leaves, and other debris. Once you have the larger material out of the gutter, use a hose to flush out the gutters. You can do this by adjusting the hose nozzle to a high pressure stream and inserting it in the bottom of the downspouts. This should loosen and eliminate any debris.

 

 

 

If needed, remove the downspout and clean it more thoroughly on the ground, then reattach it and flush the entire system once again.

 

 

 

In some cases, water will pool in the gutters, which means that they likely need to have the slope adjusted. Gutters usually slope ¼ inch for every ten feet of run. If you’re comfortable adjusting the gutters yourself, this is not too difficult a task, but have a professional or a friend with the requisite skills perform the adjustment to the system if you’re not confident.

 

 

 

Why Bother with This?

 

 

 

It’s almost inevitable that, during some showings, there will be rain. If a buyer walks up to your house and sees water pouring out of the gutter system, running down the side of the house and potentially damaging the paint, siding, and other features of the property, it’s going to make a terrible impression on them. It’s one of those flaws that imply that the entire property isn’t properly maintained, and that will make potential buyers walk away.

 

Just remember, making your property look its best is all about the details, and your gutter system is one of those details that need to be attended to before you start showing the home.

 

Posted in Selling Your Home
July 5, 2019

Is the Time Right for You to Buy Property in Smyrna?

 

 

 

If you’re looking for real estate in Smyrna, you’re certainly not alone. Smyrna’s own benefits as a community and it’s proximity to Atlanta, as well as many other factors, make it very popular. Buying a home, however, is a big decision, and it’s always worth it to consider whether the time is right to move ahead on your purchase before you start looking for properties. Here are some things to consider doing before you make the decision to buy.

 

 

 

Get Prequalified for a Mortgage

 

 

 

Prequalification gives you an idea of how much a bank will lend you for a home. Most lenders provide this service. It’s a non-binding estimate, so it’s not the same as getting preapproved for a mortgage, but the purpose is different. Once you’re prequalified, you can start looking for homes that truly fit your budget.

 

 

 

Start Working with a Realtor Right Away

 

 

 

Don’t wait until you find a property you feel like bidding on before you find a Realtor. You can start working with a Realtor anytime, even before you’re ready to start hitting open houses and searching the Internet for properties. Realtors are tremendously helpful at the beginning of the home buying experience as they can tell you what to expect and what you’ll need to be prepared for.

 

 

 

Make Sure it’s the Right Time of Year for You

 

 

 

Summer is traditionally the busiest season for real estate in Smyrna, but not all home buyers will prefer the summer market. Remember that autumn and winter both have their advantages for buyers and, if you don’t have children who have to switch schools when they move, and if changing employment isn’t a concern for you, don’t feel rushed into buying during a particular time of year. You can, in fact, always talk to your Realtor about what’s advantageous about any given time of year.

 

 

 

Know what You Need

 

 

 

Know what kind of property you want. Do you need lots of space or not so much? Do you want a big yard or do you want something simple and easy to take care of? Do you want a home that you can live in for decades or something you can fix up and resell in a few years? Again, talking to your Realtor about all these concerns is the best way to determine if you’re ready to go ahead and buy. Your Realtor will also make sure you know about the houses that fit your needs, so you won’t miss out on what the Smyrna real estate market has to offer.

 

 

 

Posted in Buying a Home
July 1, 2019

Smyrna Events July 2019

 

 

The Fourth of July is the big event this month, but Smyrna has events going on throughout July, so if you’re visiting to look at a property in Smyrna, you’ll find plenty of diversions and reasons to explore the surrounding area. If you’re looking for other events or attractions, be sure to talk to your Realtor, as they have extensive local expertise.

 

 

 

Food Truck Tuesdays

 

July 9, 16, 23, and 30

 

5pm – 9pm

 

Taylor-Brawner Park

 

3180 Atlanta Rd

 

Smyrna, 30080

 

 

 

This event will be held every Tuesday afternoon and evening except July 2. The Food Truck event features numerous different vendors and Taylor-Brawner park provides a nice place to relax and, if you have kids, it’s a very friendly venue for them, as well. You can park at the Community Bank of the South on Atlanta road after 5pm. The city highly recommends walking due to the popularity of this event. You can get more information by clicking here.

 

 

 

Centennial Olympic Park Fourth of July Celebration

 

July 4

 

7pm

 

Centennial Olympic Park

 

265 Park Ave W NW

 

Atlanta

 

 

 

If you’re looking for a very big fireworks show this Fourth of July, head to Centennial Olympic park to see the biggest event in the Southeast. The event features live DJs and, if you want to grab something to eat before the festivities start, there will be food trucks available throughout the venue. Smyrna is just a short drive from Atlanta, so take advantage of that proximity if you want to see an unforgettable display of fireworks. You can get more information by clicking here.

 

 

 

Water Lantern Festival

 

July 7

 

5:30pm – 10pm

 

2245 Callaway Road

 

Marietta, 30008

 

 

 

If you want a more peaceful light show than firework displays offer, this Water Lantern Festival is a great choice. Located in nearby Marietta, the event features music and plenty of food to choose from, and the sight of the lanterns on the water is certainly a beautiful one to behold. You can find more information about the event by clicking here.

 

 

 

Southern-Fried Gaming Expo

 

July 12

 

3pm

 

Renaissance Atlanta Waverly Hotel and Cobb Galleria Center

 

2450 Galleria Parkway

 

Atlanta 30339

 

 

 

This three-day event is all a about gaming, from stand-up games and pinball machines to modern consoles. If you want a great, fun-filled diversion while you’re looking for property in Smyrna or happen to live in Smyrna already, you’ll find it a short drive from the city and well-worth the trip. You can get more information by clicking here.

 

Posted in Community News
June 30, 2019

Understanding Homeowners Insurance

 

 

Homeowners insurance can be a bit confusing for first-time buyers, but if you want a house in Smyrna, you’ll need to learn the basics. Fortunately, banks generally make getting insurance relatively easy for new homeowners, and there are plenty of insurance companies to choose from.

 

 

 

The Basics

 

 

 

Homeowners insurance does precisely what the name implies: it covers damage and liability costs for the property. Most policies cover both the exterior and interior of the home. The policy will most often include any liability that results from injuries sustained at the property or damage to property, as well. You’ll have to ask about your specific policy, however, because this may vary.

 

 

 

If you do file a claim on your homeowners insurance, it works, for the most part, like any other type of insurance. You’ll have a deductible, and this is the amount you’ll have to pay yourself before your insurance company will pay out any money on a claim. Hence, low deductibles are nice, but they do come at a higher price. You’ll also have a liability limit. This is the maximum amount the policy will pay. You’ll have the option to increase your limit, if you want more insurance on your home.

 

 

 

Whatever policy you choose, you will have to make a choice and get insurance before a bank will issue a mortgage. Fortunately, most banks make this easy and will help you find an appropriate policy.

 

 

 

Similar Products

 

 

 

Homeowners insurance is not the same as a home warranty, which some homeowners might also like to purchase for their home. Home warranties offer coverage for repairs and are usually time limited You don’t have to purchase a home warranty to get a mortgage; it’s entirely optional.

 

 

 

If you’re making a low down payment on your property, you might need to purchase mortgage insurance. This is a different product than homeowners insurance; it covers the extra risk the lender takes when issuing a mortgage to someone making a small down payment.

 

 

 

Talking to a Realtor or a mortgage officer is always a good idea if you have questions. Most of them will be more than happy to share what they know, and can refer you to another expert in the area if needed. Homeowners insurance payments are often added to the monthly mortgage payment, so you don’t have an extra bill coming in every month for the premium. Homeowners insurance is a requirement, so be sure to ask if you have any questions about obtaining it or how it works.

 

Posted in Buying a Home
June 28, 2019

Repainted? Here’s How to Clean Up the Mess

 

 

Repainting is a great way to make your Smyrna property look more attractive before you put it on the market. If you’re not a professional painter, however, you might find that the affair gets messier than you anticipated. Here’s how to remove paint from various interior surfaces.

 

 

 

Removing Paint from the Carpet

 

 

 

The edges of carpets are likely to get some paint splattered here and there. Fortunately, it’s not too hard to remove most latex or water-based paint.

 

 

 

If the paint is wet, blot it  up and don’t rub it around on the carpet. You can use a paper towel or a rag for this. The paint should come off after a bit of blotting

 

 

 

If the paint is dried or paint remains after blotting, hot water and dish detergent can soften it up so you can continue blotting it. Remember not to spread the paint across any more of the carpet than it already stained. What you can’t get up by blotting, try vacuuming after the paint dries again.

 

 

 

For oil paint, the process is more time involved. You’ll want to either use hot water or a steamer to soften up the paint. Once the paint is soft, you’ll have to manually comb or pick it off the carpet fibers. This will break up the stain eventually, but might take some time.

 

 

 

Getting Paint off of Wood

 

 

 

Getting paint off of wood is generally easy enough, but you have to be careful not to damage the surface. You can start by scraping the paint off manually. Use a utility knife or steel wool and go slowly and lightly, avoiding gouging or scratching the wood. Once you get the majority of the stain off, you can use rubbing alcohol to clean the rest up. If rubbing alcohol isn’t doing the job, you can use a product such as paint stripper or mineral spirits to remove the spot. Just make sure whatever you’re using won’t damage the finish on your floor.

 

 

 

Getting Paint off of Linoleum

 

 

 

Linoleum is easy to clean. You can use rubbing alcohol to soften the paint and clean it up with a damp rag. If any paint remains, repeat the process, but gently scrape at the paint to get it off the linoleum. You might want to reseal the linoleum after doing this.

 

 

 

Simple home improvement projects like painting can make your property look fresher, newer, and more inviting to buyers. Ask your Realtor about good shades of paint for your house if you’re not sure what to go with.

 

 

 

Posted in Selling Your Home
June 27, 2019

Removing Oil Stains from Your Driveway

 

 

Cars are messy affairs. Automobiles tend to leak fluids, oil in particular, and, over time, this can create unsightly stains on your driveway and, perhaps worse, on your garage floor. If you want to get rid of those stains, the easiest way is to hire a professional but, if you want to go it on your own, you certainly have options.

 

 

 

Step One: Assess the Problem

 

 

 

If the oil is fresh, meaning it’s still wet, cat litter is a handy and inexpensive way to soak up the spill. If you don’t have cat litter handy, baking soda also works well for absorbing oil. Soak up the oil and dispose of it property; petroleum products should not be thrown into the regular trash.

 

 

 

If the stain is already dry, there’s more elbow grease involved. If the wet oil you soaked up left a stain,, this same process will work to get the stain out.

 

 

 

Whatever cleaning agent you decide to use to get the stain out, you’ll want a brush with stiff wire bristles to scrub the stain, and a hose or bucket of water to wash away what comes up.

 

 

 

Cola believe it or not, is very good at removing oils stains, but you’ll need some helper cleaners, too, and not all of them are things you want to touch or breathe directly. Get some gloves and some goggles and the following supplies.

 

 

 

  • A six-pack of cola
  • Bleach
  • Laundry detergent

 

 

 

Dump the cola on the stain to start. Scrub the stain after doing so, then let it sit for a half and hour. To finish off the stain, use a mixture of ¼ cup each bleach and laundry detergent in a gallon of water. You might have to do a bit more scrubbing to get the stain completely out but, if you’re lucky, you should be able to dump the bleach and laundry detergent mix on the stain and hose it right off.

 

 

 

Alternately, if you have a can of WD-40, try spraying that on the stain. Let it sit for a few minutes and use water to wash the stain away.

 

 

 

Remember that each of these methods use chemicals that are potentially hazardous and, in the case of WD-40, flammable. Use appropriate caution and, if you’re cleaning up a concrete garage floor, make sure you open up the space so there’s adequate ventilation.

 

 

 

Cleaning up your property can make it much more attractive to buyers. If you’re wondering if your Smyrna property has problem spots, just ask your Realtor and they’ll point out what might benefit from a bit of TLC.

 

 

 

Posted in Selling Your Home
June 7, 2019

Experts Anticipate Low Mortgage Rates for June

 

 

 

Everyone in need of lending for a home benefits from low mortgage rates. If you’ve got great credit and are looking for a property, you can shop for the very best rates from lenders. If you’re a first-time buyer, you can get a better deal on your first mortgage, making it easier for you to make the move from renter to buyer.

 

 

 

What the Experts Are Saying

 

 

 

Freddie Mac noted that mortgage rates are at a 14-month low right now and, for FHA, USDA, VA, and Conventional mortgages, their rate predictions have gone down by almost a full point. Because of this, mortgages in the 4-5 percent range are readily available. Between the summer being the busiest real estate season and the low rates, this means it’s a very good time to be looking for property in Smyrna.

 

 

 

If you’ve been following rates and rate predictions over the years, you’ll notice that this is a much sunnier scenario than experts were predicting earlier in the year, when rates were forecasted to climb throughout 2019. Nothing is ever set in stone, of course, and that’s good news for those who might have felt that rates would be too high for them to get into their first home, or to purchase a new property.

 

 

 

Mortgage Rates Since 2018

 

 

 

Financial reporting had predicted that rates would climb up to around five percent by the end of 2019. Over the course of the year, however, those predictions have gotten better all around, and most venues are predicting that rates will remain below 4.5 percent until the end of 2019. While rates are expected to increase a bit over the rest of the year, June is forecasted to be much lower than predicted, and the increase over 2019 to be less severe than initially thought.

 

 

 

Getting a Mortgage

 

 

 

If you qualify for a VA loan or another government program, that might be your best bet for getting into a new property. If you’re not eligible, however, remember you can still take the time to shop around and figure out who’s going to give you the best rate on your property loan. Most lenders will prequalify you for a mortgage, which is non-binding, but which gives you an idea of how much you can expect to have available to you from lenders. This is a good first step when working with a Realtor, as it allows you to set a price range, making it easier to narrow down your options to the best Smyrna properties out there.

 

Posted in Buying a Home
June 3, 2019

Smyrna Events for June 2019

 

 

 

June means beautiful days and warm nights in Smyrna and, of course, that there’s plenty to do. If you’re in town looking for a property in Smyrna, here are some events to check out while you’re in the area.

 

Every Tuesday in June

 

5pm-9pm

 

Food Truck Tuesdays

 

Taylor Brawner Park

 

3180 Atlanta Road

 

Smyrna 30080

 

 

 

This weekly event is among the most popular around, with a variety of food trucks showing up every week, providing plenty of options for everyone. The City of Smyrna reminds attendees to make sure they’re parked legally. There is parking available at the Community bank of the South on Atlanta road after 5pm. You’ll find the bank at the intersection of Atlanta Road and Concord/Spring. The city recommends walking or biking to the event to make things easier. For more information, click here.

 

 

 

June 7-9

 

Dixie Highway 90-Mile Yard Sale

 

Spans from Marietta to Ringgold on Highway 41

 

 

 

Thirteen communities participate in this massive yard sale event, offering plenty of opportunities for you to find new items for your Smyrna property at a discount! Plan on doing some driving and getting some great deals. You’ll also get a chance to see some beautiful towns and to get to know the area better. You can get more information by clicking here.

 

 

 

June 8

 

7pm-10pm

 

Smyrna Summer Concert Series Featuring Sugar Lime Blue

 

200 Village Green Circle

 

Smyrna 30080

 

 

 

This month, the Smyrna Summer Concert Series features Sugar Lime Blue, who blend blues, country, and jazz into their own sound and style. Admission for residents of the city is $30 per concert—you’ll be provided a table—and $40 for non-residents. You can get more information by clicking here.

 

 

 

June 29

 

7:30pm-10:30pm

 

Not Just a Movie Movie Series

 

Twentieth Century Veterans Memorial

 

2800 King Street SE

 

Smyrna, 30080

 

 

 

In addition to the film, Hotel Transylvania, this event features a DJ and plenty of other activities. The events start at 7:30. Admission is free and includes popcorn so, if you’re looking to get out and about without spending a lot of money, this event is a good fit. The film is rated PG. You can get more information on the event by clicking here.

 

 

 

If you’re looking for more information on things to do in and around Smyrna, remember to ask your Realtor. From restaurants, to finding services like movers, to knowing where the best places around town to relax and enjoy the environs are located, Realtors are local experts.

 

Posted in Community News
May 30, 2019

Avoiding Stuffy Air During Summer Showings

 

 

The Smyrna real estate market gets busy during the summer, and that means that you’re likely to have plenty of showings if your house is on the market. Unfortunately, the hot summer months can make houses stuffy and that doesn’t make the right impression on buyers. Here are some ways you can keep the air in your house fresh and clean, making the property more attractive to buyers.

 

If You Have AC

 

AC is a big advantage if you want to keep people looking at your house longer. You don’t have to blast the AC, but set it at a low enough temperature that people will feel a bit of relief getting into your nice, cool house and out of the summer heat. If you’re having a lot of showings, your AC bill might be a bit higher than normal from having people in and out of the house a lot, but it’s worth it to keep visitors comfortable enough to explore the entire house.

 

If You Don’t Have AC or It’s Less than Optimal

 

If you don’t use AC or if your AC is less powerful than you might want on the hottest summer days, you still have options that can keep the air in your house fresh and cool. First and foremost, if your house does tend to get hot, consider portable AC units for the hottest rooms.

 

Fans are great if you don’t have AC. While they obviously don’t have the cooling power of air conditioning, fans go a long way toward keeping the air in your house fresh by simply moving it around. If you need fans, be sure to put one in each room and the air will smell much fresher and feel cooler than it would otherwise.

 

Avoid Artificial Air Fresheners

 

There are many different natural air fresheners on the market, and they’re generally preferable to the spray fresheners you can pick up at grocery stores. Artificial air fresheners actually irritate some people’s noses, so it’s best to keep things as natural as possible. After someone goes through your house, wiping down the counters and other surfaces with a cleaner can also freshen up the air a bit, without overwhelming the next visitors with strong scents.

 

Keeping Your House Inviting

 

You can always ask your Realtor for more tips on keeping your house as attractive as possible to buyers. Showings are opportunities to make good impressions on buyers, so do everything you can to make your house inviting and comfortable.

Posted in Selling Your Home