Buying • Real Estate • May 6, 2024

5 Top Misconceptions of Home Buying

by Holly Heberlie

I’ve encountered a myriad of misconceptions that often cloud the minds of homebuyers. I aim to shed light on the top misconceptions that can potentially hinder your home-buying journey.

1. Bigger is Always Better: The Square Footage Fallacy

Many homebuyers fall into the trap of believing that a larger house is always the better investment. While space is undoubtedly important, it’s crucial to focus on functionality and how well the space meets your specific needs. Sometimes, a well-designed smaller home can offer more comfort and efficiency than a sprawling property that lacks practicality.

2. The Perfect House Exists

I often hear buyers searching for their dream home – the one with absolutely no compromises. While it’s natural to have a vision, it’s essential to be realistic. The perfect house might not exist, but with the right mindset and a skilled real estate agent, you can find a home that checks off most of your boxes and provides room for growth and personalization.

3. Waiting for the Perfect Market Timing

Timing the real estate market perfectly is nearly impossible. Some buyers believe they should wait for the ideal market conditions, expecting prices to drop significantly. However, markets are dynamic, and waiting might lead to missed opportunities. Focus on your personal circumstances, financial readiness, and long-term goals instead of trying to predict the unpredictable.

4. DIY is Always Cheaper

Sure, everyone loves a good DIY project, but not everything can or should be done yourself. Some homebuyers underestimate the potential costs and complexities of renovations and overestimate their own skills. Factor in the time, effort, and potential setbacks before deciding to take on major projects without professional assistance.

5. Pre-approval Isn’t Necessary

Some buyers believe that getting pre-approved for a mortgage is an unnecessary step in the home-buying process. However, a pre-approval not only gives you a clear understanding of your budget but also makes you a more attractive buyer to sellers. It can speed up the closing process and provide you with a competitive edge in a competitive market. It helps you eliminate financial surprises as well.

Navigating the real estate market requires a blend of knowledge, realistic expectations, and a touch of flexibility. As real estate agent, I encourage you to approach the home-buying journey with an open mind, free from these common misconceptions.

Ready to find your dream home without falling for these myths? Connect with me today, and let’s turn your real estate aspirations into reality.

Real Estate • Selling • April 30, 2024

Boost Your Home’s Value With These 5 DIY Projects

by Holly Heberlie

Boost Your Home’s Value with These 5 DIY Projects

I understand the importance of making strategic investments in your property to increase its overall value and have seen firsthand how this can benefit those selling their homes. While major renovations can be daunting and expensive, there are plenty of do-it-yourself (DIY) projects that can have a significant impact on your home’s market worth. Let’s dive into some valuable DIY projects that can enhance your property and make it more appealing to potential buyers.

Curb Appeal Magic: Enhance Your Exterior

First impressions matter, and the exterior of your home sets the tone. Boosting your curb appeal doesn’t have to break the bank. Consider simple projects like painting the front door, adding vibrant plants, updating mulch/rock and installing outdoor lighting. These easy updates can instantly make your home more inviting and increase its overall appeal.

Kitchen Facelift: Budget-Friendly Upgrades

The kitchen is often the heart of the home, and potential buyers pay close attention to this area. Instead of a full-scale remodel, focus on smaller, impactful upgrades. Swap out dated hardware, update light fixtures, or give your cabinets a fresh coat of paint. New countertops alone can make a huge impact. These cost-effective changes can breathe new life into your kitchen without draining your wallet.

DIY Landscaping: Transform Your Outdoor Space

A well-maintained yard can add tremendous value to your property. Tackle landscaping projects like planting flowers, pulling weeds, creating defined pathways, or installing a simple patio. A manicured lawn and thoughtfully designed outdoor space not only enhance your living experience but also contribute to your home’s overall market value.

Smart Home Features: A Modern Touch

In today’s tech-savvy world, incorporating smart home features can make a big difference. Consider installing a smart thermostat, security system, or programmable lighting. These upgrades not only add convenience to your daily life but also make your home more attractive to tech-minded buyers.

Energy-Efficient Upgrades: Long-Term Savings

Investing in energy-efficient upgrades not only benefits the environment but also increases your home’s value. Seal drafts, add insulation, or upgrade to energy-efficient appliances. Not only do these improvements appeal to environmentally conscious buyers, but they also lead to long-term cost savings on utility bills.

As a real estate agent I’ve seen firsthand the impact that thoughtful DIY projects can have on a property’s market value. Whether you’re considering selling in the near future or simply want to enhance your living space, these DIY projects are a fantastic way to invest in your home’s future.

Ready to take the next step? Reach out to me for personalized advice tailored to your home and goals. Let’s work together to maximize the value of your property and make it a standout in the market. Your dream home and a stronger investment await!

Buying • Mortgage • April 22, 2024

6 Things Not to Do When Applying for a Mortgage

by Holly Heberlie

6 Things Not to Do When Applying for A Mortgage

A loan is not complete until you sign your closing papers. There are certain things you can do that could jeopardize your loan status and delay closing or cause you not to be able to close. To be safe, follow the advice below and always check with your lender. These are good for you to know ahead of time so that if you need to do any of these things you can do them well before deciding to buy a home or know that you will need to hold off until after you close on a new home.

Do not make major purchases like furniture, appliances, jewelry, vehicles, or vacations
Don’t run up a home equity line of credit: A home equity line of credit works like a credit card, and many of the same rules apply
Don’t change or quit your job
Consult with your mortgage professional before withdrawing, depositing or moving large amounts of money in or out of your bank account
Do not pay off debts or collections (unless instructed to do so by a mortgage professional
Don’t have your credit report pulled too many times – this can hurt your credit score

We recommend that if you are considering buying a home in the next 6 months, that you talk with a Realtor early on and they can give you more advice on what to do and not do. That way you are better prepared. That will ensure a smooth buying process!

Uncategorized • April 12, 2024

Things to Do in the Spring in St. Charles & St. Louis!

by Holly Heberlie

Things to Do In the Spring!

Farmers Markets:

Lake St. Louis Farmers & Artists Market at the Meadows 4/6-11/2 from Saturdays 8:00am – 12:00pm
Charles Riverwalk Market at the Foundary Art Center 4/20-11/30 from 7:30am – 1:00pm
New Melle Farmers Market at 3560 Mill St. 5/4-10/26 from 8:00am – 12:00pm
Farmers & Artisans Market of O’Fallon at 24 O’Fallon Square Sundays May – Oct 9:00am – 1:00pm
Kirkwood Farmers Market 4/6 – 10/1 Daily from 9:00am – 6:00pm
Ferguson Farmers Market Saturdays May – Oct 8:00am – 12:00pm
Fenton Community Farmers Market at Meramec Pavilion Thursdays 5/16 – 9/26 4:30 – 7:30
Soulard Farmers Market Wed – Sat year round from 8:00am – 5:00pm
Tower Grove Farmers Market Saturdays April – Nov 8:00am – 12:30pm

Entertainment:

Animals Aglow Lantern Festival at the St. Louis Zoo Wed – Sun 3/13 – 5/5 6:30pm – 9:30pm
FREE Fridays at the St. Louis Art Museum – ticketed exhibitions are free & extended hours 10:00am – 9:00pm
FREE Public Star Gazing at Broemmelsick Park every Friday at 7:00pm
Missouri River Irish Fest 5/24 – 5/26 at Lewis & Clark Boathouse
9 Mile Garden – Food Trucks/Live Music
Frankie Martins – Food Trucks/Live Music
Louis Cardinals
Louis City SC
Six Flags St. Louis
Louis Arch

Parks/Bike Trails

Louis County Parks – https://stlouiscountymo.gov/st-louis-county-departments/parks/
Charles County Parks – https://stlouiscountymo.gov/st-louis-county-departments/parks/
Louis City Parks – https://stlouiscountymo.gov/st-louis-county-departments/parks/

Selling • March 22, 2024

3 Ways to Price Your House Right

by Holly Heberlie

3 Ways to Price Your House Right

We’ve been in the business long enough to understand the ins and outs of the ever-dynamic real estate market. Today, we’re excited to share some ways to price your house to sell quickly – because let’s face it, time is often of the essence when it comes to real estate transactions.

1. Look at Area Sales

Our first piece of advice might seem like a no-brainer, but you’d be surprised at how often it’s overlooked. Understanding your local real estate market is absolutely crucial. Take the time to research recent sales in your neighborhood, paying close attention to properties with similar features, similar style and condition. Be sure you are looking at similar neighborhoods too. This will give you a realistic benchmark to start from. We can help you navigate looking at this data to determine the best price.

2. Consider the Competition

Imagine you’re a buyer walking through your front door. What other options are they likely to consider? Analyzing your competition helps you position your property strategically. If similar homes are priced the same but offer more features, then they are possibly worth more than your home. Same if they offer less features, they are probably worth less than your home. We look at competing homes and what they offer, just like buyers will.

3. Factor in Your Home’s Unique Features

No two homes are identical, and that’s a good thing! Highlight the distinctive features of your property – whether it’s a renovated kitchen, a spacious backyard, or a charming architectural detail. These unique elements can justify a slightly higher price tag. Make adjustments for these in your price but don’t go overboard. If you did an improvement that cost you $50,000, that doesn’t always equate the same in value when selling. We can help, if you are unsure.

Extra Tip: Remember when determining what your home is worth, how much you want to get for it may or may not be realistic. As Realtors, we do like to know what you want to get so we can help determine if it is possible to push to get it for you. Our goal is always the same as yours, to get the most for your home in the current market!

Selling your home is a significant undertaking, and getting the pricing right is key to a successful and timely sale. If you’re ready to take the next step and want personalized guidance from a team of real estate experts, we’re here for you. Contact us today for a consultation, and let’s work together to ensure your property is priced to sell quickly!

Uncategorized • March 6, 2024

4 Myths About Real Estate

by Holly Heberlie

As a real estate agent, I’ve encountered a myriad of myths circulating in the industry that can mislead potential buyers and sellers. Today, I’m here to set the record straight and debunk the top myths about real estate.

Myth #1: The Market Will Always Go Up:

One of the most common misconceptions I’ve encountered is the belief that real estate prices will perpetually rise. While it’s true that real estate has historically appreciated over time, it’s essential to recognize that the market can be cyclical. Economic factors, local trends, and other variables contribute to fluctuations in property values. As a Realtor, I advise my clients to make informed decisions by considering both short-term and long-term market conditions.

Myth #2: You Don’t Need an Agent in the Age of Technology:

With the rise of online platforms, some may argue that hiring a real estate agent is obsolete. However, nothing beats the expertise, negotiation skills, and local knowledge that a seasoned Realtor brings to the table. My clients benefit from my network, experience, and the ability to navigate complex transactions successfully. The personal touch and strategic guidance I provide are irreplaceable, ensuring a smoother and more profitable real estate journey.

Myth #3: Renovating Always Yields a High Return:

While home renovations can enhance property value, not every dollar spent guarantees a high return on investment. The key is understanding which renovations align with market demands and appeal to potential buyers. I guide my clients to make strategic improvements that maximize their property’s value, taking into consideration the local market and current trends.

Myth #4: All Mortgages Are Created Equal:

Choosing a mortgage is a significant financial decision, and assuming that all mortgages are the same can be a costly misconception. Interest rates, terms, and fees can vary widely between lenders. As a Realtor, I work closely with reputable mortgage professionals to guide my clients in selecting the best financing options tailored to their specific needs and financial situation.

Whether you’re buying or selling, knowledge is power, and I’m here to empower you on your real estate journey.

Reach out to me today with any questions you have!

Uncategorized • February 27, 2024

5 FREE Tips To Navigating the Selling Journey with Kids

by Holly Heberlie

I understand the unique challenges this scenario presents, and I’ve got some invaluable insights to make the process smoother for you.

Embrace the Chaos, But Minimize It

First things first, let’s acknowledge the elephant in the room: selling a home with kids can be chaotic. But fear not, I’m here to tell you that embracing the chaos is the first step. However, to keep things manageable, declutter and start packing extra things up. Potential buyers need to envision themselves in your home, and minimizing distractions will help them do just that. It will also help you have less to maintain daily while your home is on the market.

Change Things Up

What do I mean by this? Consider using only one bathroom while your home is on the market. Then you only have one bathroom to clean up and get ready for showings. Same with your living space. If you have more than one that you use, try just using one for a bit. If doing dishes and keeping your kitchen clean aren’t your strong suit, use disposable dishes or eat out while your homes is on the market.

Timing is Everything

As a real estate agent and a parent, we understand the delicate balance of scheduling showings and maintaining a sense of normalcy for your little ones. I would discuss with you how we can structure showings to help minimize the inconvenience. This will allow you to get your home ready less often. Flexibility is key, so I’ll work with you to find the sweet spot that suits your family and your schedules.

Turn Cleanup Into a Game

Let’s turn a potentially tedious task into a fun family activity. Get the kids involved in the cleaning process by making it a game. Set a timer and challenge them to see who can tidy up the fastest. Not only does this make cleaning more enjoyable, but it also instills a sense of responsibility in your little helpers. Another tip is to greatly downsize toys. Let’s be real, our kids have so many toys they don’t really even play with. Keep their favorites and pack up the rest!

Capture the Charm of Family Living

One of my favorite aspects of selling homes with families is highlighting the charm that comes with it. Consider leaving out some family photos or a tasteful drawing from your little artist. These personal touches can create an emotional connection with potential buyers, making your home stand out in their minds. Shows buyers that a family has enjoyed living in the home.

Selling a home while living with children may seem like a daunting task, but with my guidance, it’s entirely achievable. My goal is to always minimize the amount of time your home is on the market so keeping your home “show” ready won’t be for too long. If you’re ready to take the next step, reach out to me today for a personalized consultation. Let’s turn the page to a new chapter in your family’s story.

Buying • Real Estate • February 20, 2024

5 Steps for Securing Lower Mortgage Rates

by Holly Heberlie

As a real estate agent, I understand that one of the most critical aspects of your home-buying journey is securing a mortgage with favorable rates and terms. Today, I excited to share a valuable insight with you.

Here’s a tried-and-true method to help you secure that dream home with lower mortgage rates:

Know Your Credit Score Inside Out: Your credit score is the gateway to favorable mortgage rates. Before you even think about house hunting, get a comprehensive understanding of your credit score. Address any discrepancies and take steps to improve it if needed. A higher credit score can significantly impact the interest rates offered to you. If you plan on buying soon, having a lender run your credit is a good idea. They can tell you if there is anything you can do to boost your credit.
Build a Healthy Credit History: Lenders love to see a consistent and positive credit history. Ensure that your credit report reflects responsible financial behavior. Make timely payments on all your debts, and avoid opening new lines of credit in the months leading up to your mortgage application.
Save for a Down Payment: A down payment not only lowers your loan-to-value ratio but also signals to lenders that you’re a low-risk borrower. Not sure of how much to save for a down payment? Just ask me. I can fill you in on what typical loan types require for down payments.
Get Pre-Approved Before House Hunting: It’s essential to know how much you can afford before falling in love with a property. Getting pre-approved not only strengthens your negotiating position but also gives you a clear idea of the interest rates available to you and what your estimated payment would be in specific price ranges. This is great to know before you go see houses.
Work with a Reputable Mortgage Broker: A skilled mortgage broker can be your greatest ally. They have access to a variety of lenders and can help you find the best rates & best loan types based on your financial profile. Their expertise can make a significant difference in securing a mortgage with lower interest rates and more favorable terms for you. I would be happy to refer some mortgage brokers to you if needed.

Ready to take the next step toward your dream home? Reach out to me today, and let’s discuss how I can guide you through the exciting journey of home-ownership while ensuring you get the best possible mortgage as well!

Buying • Real Estate • February 12, 2024

5 Common Mistakes First-Time Home-buyers Should Avoid

by Holly Heberlie

While embarking on this journey is undoubtedly thrilling, it’s essential to be aware of potential pitfalls that can arise along the way. I am sharing insights into the five most common mistakes that first-time home-buyers often make, hoping to guide you through a smoother path to home-ownership.

1. Rushing the Decision-Making Process:

I understand that the prospect of owning your first home can be exhilarating but resist the urge to rush through the decision-making process. Take your time to explore different neighborhoods, look into schools/ratings and consider your long-term needs. Patience is a virtue in real estate, and it pays off when you find the perfect home that aligns with your lifestyle and budget.

2. Thinking the First Step to Buying a Home is Seeing Homes:

While looking at homes is very exciting, it shouldn’t be the first thing you do as a buyer. If you want to look online to research, that is great. Looking at homes in person is a different story. Finding a good Realtor and meeting with one or more of them is essential before looking at homes. I like to meet with buyers to talk about the market in the areas they are looking in, learn more about what they want in a home and discuss what they can expect in terms of how long it will take to find a home and go under contract. I also go over what inspections will cost, when a deposit is due and how much money will be needed for buying a home. Knowing what to expect, makes the buying process go smoother, faster and less stress for you!

3. Skipping the Pre-Approval Process:

Securing a mortgage pre-approval is a crucial step that some first-time buyers neglect. Knowing how much you can afford helps you narrow down your search and strengthens your position when making an offer. Don’t skip this important step, as it can make the difference between securing your dream home and missing out on a great opportunity. If you are in need of a lender I would be happy to provide you with some that I trust and many of my teams clients have used and really liked.

4. Neglecting Home Inspection:

In the excitement of finding a potential dream home, some first-time buyers may be tempted to skip the home inspection to secure an offer. However, this is a critical step to uncover any hidden issues that could turn into costly problems later on. Investing in a thorough inspection can save you from unexpected expenses and ensure you’re making an informed decision. I am more than happy to provide you with trusted inspectors for this part of the home-buying process.

5. Failing to Consider Future Resale Value:

While it’s exciting to envision your life in a new home, it’s also essential to consider its resale value. Trends in the real estate market change, and life circumstances may lead you to sell in the future. Choosing a property with strong resale potential ensures that your investment remains sound and allows for greater flexibility in the years to come.

Embarking on the journey of home-ownership is a significant milestone, and we want to empower you to make informed decisions. By avoiding these common mistakes, you can enhance your home-buying experience and set the foundation for success!

Ready to start your home-buying journey with confidence? Contact me today for personalized guidance and expert advice. Your dream home is closer than you think!

Real Estate • Selling • February 5, 2024

5 FREE Tips to Prepare Your Home for the Spring Market

by Holly Heberlie

As a real estate agent I understand the significance of making a lasting impression when it comes to selling your home. With spring just around the corner, now is the perfect time to prepare your property for the bustling real estate market. Here are five invaluable tips I give clients to help them appeal to more buyers and get top dollar for their home:

1. Curb Appeal is King: Spring is a season of renewal, and your home’s exterior is the first thing potential buyers will see. Take advantage of the blooming season by ensuring your front yard is in top-notch condition. Trim overgrown bushes, add colorful flowers, and give your entryway a fresh coat of paint. Fresh mulch goes a long way. Are your shutters and front door faded from the sun? Consider a fresh coat of paint. A well-maintained or freshened exterior sets the stage for a positive first impression and pulls buyers into your home on a positive note.

2. Declutter and Depersonalize: Buyers want to envision themselves living in your home, and that can be challenging if personal items clutter every surface. Clutter can also lead buyers to believe there isn’t enough storage space. Pare down on personal photographs and knick-knacks, creating a clean, neutral canvas that allows buyers to imagine the possibilities. The easiest tip I give clients is that surfaces should be 75% cleared/empty. For this tip, think end tables, coffee table, countertops, bathroom vanities, dressers,… Organize closets, pantry and storage spaces to showcase the ample storage your home offers.

3. Let the Light In: As the days get longer, natural light becomes a powerful selling point. Open curtains, clean windows, and let the sunshine highlight your home’s best features. Consider updating light fixtures and adding mirrors to enhance the perception of space and brightness. Also, a cheap fix can be to replace lightbulbs with brighter incandescent or LED light bulbs. A well-lit home feels welcoming and spacious.

4. Address Repairs and Maintenance: Spring cleaning is not just for the inside of your home. Take a walk around your property and address any necessary repairs. From leaky faucets to peeling paint, tackling these issues shows potential buyers that your home has been well-maintained. A home in good condition is more likely to instill confidence in buyers and help you get more for your home.

5. Highlight Outdoor Spaces: With warmer weather on the horizon, outdoor spaces become an essential selling point. Spruce up your patio or deck with fresh furniture and potted plants. Create inviting spaces that showcase the potential for outdoor entertaining. A well-staged backyard can be the tipping point for a buyer. Remember your front porch too when it comes to fresh pots of flowers.

Do you feel like you would benefit from me walking through your home with you to provide suggestions on getting it ready? Just reach out by sending me a message or giving me a call at 314-737-7323.

*Pictures are of a home and agent our team sold in Dardenne Prairie. They went room by room with the seller to get the home ready for professional pictures and showings. You can see it looks great. The house sold for full price at $725,000 which was the highest price for this style of home at that time in their neighborhood.

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