A Note From Chris…

Dear friends and colleagues,

here is a thought I shared with my team and wanted to pass it on…

Into the resistance

When outside resistance is pushing against you, what’s the
best direction to go? Without question, the best direction
is straight toward the resistance, because you’ll also be
headed straight toward your goal.

The faster you’re going in the direction you have chosen to
go, the more resistance you’ll encounter. Stick your hand
out the car window when you’re driving at freeway speed, and
you’ll feel a whole lot more resistance than you will when
sitting still.

The challenges and setbacks will push against you, and yet
they also confirm that you’re making meaningful effort and
progress. Keep making that effort, heading into the
resistance, and you’ll soon make it through.

Don’t resist the resistance or turn and run from it. Face
the resistance, fully focused on your goal, and step by
step, inch by inch, day by day, move positively forward.

When you’re encountering great resistance, you have the
opportunity to create great value. With a solid and steady
commitment, you can do whatever must be done.

On the other side of the resistance is the reward you seek.
Get yourself through it, and get to the value you’ve chosen
to create.

Chris Heller
_________________________
The Home Seller

Keller Williams Realty
Office 760.632.8408
Cell & Fax: 800.800.2978

Oh by the way, who do you know that we can help with buying or selling Real Estate?

Another Reason It Makes More Sense To Buy and Not Rent

Renters sign leases and pay their rent, always assuming that as long as they keep up their end of the agreement all will go as it should. Not entirely so for an Indianapolis couple, who signed their second year lease just days before a shocking turn of events. Not sure you qualify for a mortgage? Find out today at http://www.hellerthehomeseller.com/finance/.

Claudia and Craig Mason were stunned mere days after signing their second year’s lease when a gentleman was seen photographing their rental property. When they asked the snapper what he was doing on the property, they were informed that the house had been completely foreclosed on and the landlord who had been cashing the rent checks actually never legally owned the property. Ever!

The Mason’s were told they had exactly 26 days to find a new place and be out. This “landlord” is currently being sued by multiple sources, including his ex-wife, who actually owned the property. Mrs. Mason is quoted as saying, “A landlord will take you to court in a heartbeat if you default but when you find out that they default, all of a sudden, oh there’s nothing you can do you’re just out.” Watch the story unfold on video here.

So maybe knowing exactly who owns your property is the best deal, especially if you are that owner. One can just never be sure of what oddities can occur when someone else is in charge. Find your dream home today at http://www.hellerthehomeseller.com/.

Dear Friends and Clients,

You have probably heard that as we move into the spring houses continue to sell at the same frenzied pace that we have been on since January. Sellers are realizing more and more that home prices are strengthening and in some areas are increasing at a healthy pace. Eventually we will see more homes on the market, they will come from three sources.

1. As more home owners see what is possible, what their neighbor was able to get, they will put their homes on the market to buy up or down.

2. As prices go up, homeowners that were originally in a short sale situation will may now be able to do a traditional sale.

3. Builders are moving as fast as they can to get inventory on the market.

All three of these situations will occur and all three will take time.

Buyers/investors, interest rates are low but they won’t stay there forever, as the economy strengthens, there will be pressure to increase them. Add to this equation the increasing home prices and what you get is that this is the time to jump in.

Lastly, there are still many people who are in a position where a short sale might be your best option. Even though the market is improving significantly there are Government Programs that can help you sell your home and they may even pay you money to move. If you find yourself in a situation where you’ve lost your job, lost part of your income, divorce, job relocation, retiring or have a mortgage that might be adjusting up…. a short sale could be your best option and we should talk now as many of the programs can help you will be expiring soon.

If you have any questions or know someone who could use our help, please contact us. Our advice is free and always comes at no obligation.

p.s.. if you are curious about the value of your home click here http://www.hellerthehomeseller.com/sell/ and I’ll personally review the recent sales in your area.

p.s.s. for a full Market Trends report click here http://chrisheller.rereport.com

Chris Heller
_________________________
The Home Seller

Keller Williams Realty
Office 760.632.8408
Cell & Fax: 800.800.2978

Oh by the way, who do you know that we can help with buying or selling Real Estate?

Adjustable Rate Mortgages, The Pros and Cons

Adjustable rate mortgages (ARMs) are mortgages where your interest rate fluctuates up and down based on current market rates. The terms of the loan spell out how frequent and steep the fluctuations can go. This is one of many types of loans available to homebuyers.

These loans can be risky, but they can also be very beneficial to the buyer. It really all comes down to the individual situation. What is the best way to know? Weigh the pros and cons. Put it on paper.

Already know this is the loan for you? Get pre-qualified here here http://www.hellerthehomeseller.com/finance/.

Pros:
• May help you to afford a bigger mortgage/home.
• Can be cost effective if you don’t plan to stay in your new home for long.
• The initial interest rate is lower than on a fixed rate loan.
• The initial payments are lower than with a fixed rate loan.
• Payments and interest go down when interest rates drop-no need to spend time and money refinancing.

Cons:
• Payments and interest can go up. (As often as once a month.)
• Payments tend to surpass the rates on a fixed rate loan.
• Fluctuating payments may make it difficult to budget.
• The first increase can be a big one, and the annual interest cap may not apply to this.
• Your loan could become more than you can afford.
• If fixed rates become more favorable, you’ll have to absorb the cost of refinancing to make the switch.

When shopping for an adjustable rate mortgage, your loan officer can help you will questions about how often the rate will adjust, what the annual cap is, what the lifetime cap is, which adjustment index will be used to decide the increases, and what the margin is.

Doing your due diligence is a must when selecting a loan type. Once you get pre-qualified and select the loan type best for you, start looking for a home here http://www.hellerthehomeseller.com/search/.

You can do anything.

Dear friends and colleagues,

Here is a thought I shared with my team and wanted to pass it on…

You can do anything.

Somewhere deep inside, you know you can do anything. But it’s
frightening, uncomfortable and inconvenient to think about,
so you choose to pretend it’s not true.

It is very easy and comforting to make excuses. So all too
often, that’s all that ever happens.

But what if you decided to stop arguing in favor of your
limitations? What if you made the choice to allow your life
to fulfill your greatest possibilities?

When you stop complaining that you can’t, is when you can.
When you stop defending your lack of progress, you can begin
to make incredible progress.

Yes, life is tough and filled with all sorts of big,
imposing challenges. And it is precisely by choosing to work
through those challenges that you can do anything, anything
you truly desire.

Sure, absolutely, it’s much easier said than done. Yet this
is your life, and you deserve all the richness that comes
when you allow yourself to live it fully.

Heller’s Home Childproofing Tips

Most major accidents that happen with children unfortunately happen within their own home. As scary of a thought as that is, there are definite ways that you can prevent them happening in your home. For everything home, like us here https://www.facebook.com/HellerTheHomeSeller.

Generally, you want to start childproofing before your baby starts crawling. Then there are additional steps that should be taken as they get older, more mobile and, of course, more curious.

Let’s start in one of the most dangerous rooms in the house, the kitchen.

- Plastic guard to prevent access to knobs
- Always point pot handles towards the back of the stove
- Cabinet latches, especially for the cleaning product

Moving on to another danger zone in the home is the bathroom.

- Put nonslip mats in bathtub and on the floor next to the tub
- Soft cover for bathtub spout.
- Covers for bathtub knobs.

And here are some general house proofing rules.

- Use doorstops and door holders to protect babies’ fingers.
- Put safety plugs or outlet covers over unused outlets or block with furniture.
- Hide electrical cords behind furniture or use hide-a-cord device.
- Keep blow dryers, toasters, and other appliances unplugged and out of reach
- Use window guards, window stops, and safety netting on windows, decks, and landings.
- Cut looped window-blind cords; use safety tassels and cord stops.
- Install gates to block stairways at bottom and top.
- Block openings wider than 4 inches on railings with plastic garden fencing, Plexiglas, or other material.
- Check batteries in smoke detectors monthly.
- Check batteries in carbon monoxide detector at least twice a year.

These are few of the most important and if you follow them, you can cut your chances of your child having an accident tremendously. For all thing home, like us today at https://www.facebook.com/HellerTheHomeSeller.

Creating a Home Buying Checklist

The time to buy your first home or maybe a new home has come. Decisions are being made as to where it will be located, how many bedrooms it will have and how large the yard will be. You have a pre-approval letter in hand, and if you don’t, you can obtain one here http://www.hellerthehomeseller.com/finance/, and now it’s time to shop for your new home.

The whole process can get overwhelming, so we suggest creating a checklist that you can refer to for each home you look at. It will help you keep remember the details in multiple homes and narrow down the features that are most important to you.

You should include as much as you can possibly think of and add to it regularly through the journey.

Just to give an idea of things to include, let’s start with the cities or towns of interest. You can add things such as school rankings, public parks, or recreational activities that your family participates in. Then you can look at community safety, garbage service and zoning regulations. Details are important, so run through your everyday life and make sure the surrounding area supports your lifestyle.

Moving on to the outside of the home we can consider things like lot size, additional structures and security. Remember details like snow removal and parking spaces. The condition of appearance and outside structures are a big consideration as well, like landscaping and garages.

Here is where we move to the inside of the home. Square footage, number of bed and bathrooms is usually at the top of the list. Then you can go on to closets/storage space, windows and conditional/dampness of the basement. An additional thought could be energy efficiency as this could directly impact the monthly costs associated with running the home.
This home buying list can be as long or as short as you like. For any and all of your home buying needs, please follow us at https://www.facebook.com/HellerTheHomeSeller.