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April 2019


Homeowners are spending more money than ever to improve their homes, whether in preparation for selling, or for their own enjoyment.  How do you make the right choices?

Stephanie Sherriff
Luxury Collection Specialist   |   2694880417

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Report from the National Association of Realtors®  

Which household projects can improve your chances of making a sale?

1.  Chef's kitchen

2.  Home theatre

3.  Home gym

4.  Three car garage

5.  Energy efficient heating

6.  Quartz countertops

7.  Exterior lighting

8.  Tennis court

9.  Home office

10. In-ground pool

welcome home!

We all know about first impressions!

Before you get involved in spring landscaping, consider increasing the appeal of your front porch as your first priority.  First give the porch and its furnishings a good cleaning, and dispose of the items that still look dirty.  A new color coordinated doormat is a simple addition.  Assess what you might add to your porch, depending on the size.  If space allows, think about having a porch swing at each end with water resistant cushions, and don't forget  tables for outside lamps, food and drinks.  Keep in mind that the front door and the porch furnishings should be coordinated with colors of flowering plants both on the porch and drawing attention along the front walk.  If you are doing a sitting area, define it with a waterproof area rug.  If possible, have a ceiling fan installed over the seating area if heat or insects pose a problem.  Pay attention to lighting at the front door for when guests are arriving.  Sometimes a chandelier is the best solution to create a warm glow.


What to Expect with Low Down Payment Loans

A down payment is your offer to share the risk of financing your home with the lender by putting your own money toward the purchase.

The typical down payment to get the best interest rate and avoid mortgage insurance is 20% of the purchase price of the home. Anything less means the lender and guarantor such as FHA, VA or Fannie Mae, must ameliorate the added risk some way or another. So, what can you expect?

Expect to pay higher interest rates. Mortgage interest rates are variable, according to where you live, your credit rating, terms, and the amount of your down-payment. A low down-payment will result in a higher rate unless it can be offset by excellent credit or higher closing costs.

Expect to pay PMI. Private mortgage insurance, just like hazard insurance, will be added to your monthly payments. With the exception of FHA loans, PMI will end automatically when you build 22% in equity.

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