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  • Sellers: See what is your home is worth

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  • Selling Q&A

    • What are the advantages of owning a home?

      There are many. Among the most appealing: you own it, which gives you, instead of a landlord, control of your living space. Other benefits stem from potential tax savings and the build up of equity as your property likely appreciates in price over time. Equity can be used to help put children through college, purchase a second home, or make home improvements.

      The mortgage interest paid on a home loan is tax deductible, as is the local property tax. If you get a fixed-rate home mortgage loan, you also can invest more wisely knowing your monthly mortgage payment, unlike rent, will not change substantially.



    • What is the first step to buying a home?

      Make sure you are ready - psychologically and financially. Ask yourself the following questions: Do I have steady income? Is my debt lower than my total income? Do I have enough money to pay for the down payment and closing costs? Am I working hard enough to improve bad credit?

      A house needs constant care and attention. Also ask yourself if your budget will allow for unexpected repairs and upkeep. Once you can honestly answer "yes" to these questions, you are several steps ahead of the game and that much closer to becoming a homeowner.



    • How much can I afford?

      The general rule of thumb is that you can buy a home that costs about two-and-one-half times your annual salary. A good REALTOR® or lender can determine how much you can afford and estimate the maximum monthly payment based on the loan amount, taxes, insurance and other expenses.



    • Is it best to save for the ultimate dream home or begin with a less expensive starter home?

      It can take a long time to save for that perfect dream home. Meanwhile, the market has been flooded with some of the most favorable mortgage interest rates in years. Low rates make housing more affordable, which is why so many buyers have jumped on the home buying bandwagon.

      Home-price appreciation has also been strong, making very solid gains in communities across the country. In fact, home prices are expected to increase 2.5 percent to 3 percent annually over the next five years.

      If you purchase a starter home today, you can potentially begin to build value that can lead to the purchase of a larger, or more desirable, trade-up home in the future.



    • How do you decide whether to add on to an existing home or purchase a new one?

      There are a few things to consider, including cost, individual needs, and what will add value down the road. Also important: your emotional attachment to the existing home. As designer and builder Philip S. Wenz, the author of Adding to a House: Planning, Design & Construction, notes, an addition is much cheaper than building a new home and can offer a "new" home without the heartache of moving.

      Other considerations:

      • Can you finance the home improvement with your own cash or will you need a loan?
      • How much equity is in the property? A fair amount will make it that much easier to get a loan for home improvements.
      • Is it feasible to expand the current space for an addition?
      • What is permissible under local zoning and building laws? Despite your deep yearning for a new sunroom or garage, you will need to know if your town or city will allow such improvements.
      • Are there affordable properties for sale that would satisfy your changing housing needs?
      Explore your options. Make sure your decision is one you can live with - either under the same roof or under a different one.

  • Monthly Help Videos

  • Monthly Home Ownership Tips

    • Is it true you never really stop fixing up a home?

      From the day you move in to the day you sell your home, there will always be something that will need to be repaired or remodeled. You may want to undertake some changes simply to elevate your comfort level - like installing central air conditioning - or spruce up the home's aesthetics, such as adding a few stained-glass windows.

      But other work will need to be done to maintain the property and minimize problems later on. For example, replacing a hazardous roof, fixing broken windows, and repairing leaky pipes. These are all necessities. Left undone, they can lead to major problems and damages within the home.

      If you decide one day to sell, other improvements will likely be made to increase the home's value and appeal to potential buyers.



    • Is there anything I should pay special attention to?

      From the very beginning, get in the habit of taking an inventory at least once every year of every nook and cranny of your home to check for potential problems. Examine the roof, foundation, plumbing, electrical wiring - basically everything. Try to fix trouble spots as soon as you uncover them. This proactive approach will help you avoid larger expenses later on, so leave no stone unturned when taking your inventory.



    • What about the unseen problems like toxic gases?

      Problems with your chimney, mechanical devices on your heating appliance, and pressure within the home can all cause combustion spillage, the unwanted flow of combustion gases into your home. Present in these gases are toxic elements such as carbon monoxide, sulfur dioxide, and nitrogen oxides.

      The best way to prevent spillage is to hire a professional - preferably one who specializes in building inspection, indoor air quality, ducting, chimneys and heating equipment - to do a yearly maintenance check of all your combustion appliances. These appliances include a gas-fired furnace, boiler, or water heater, an oil-fired furnace, boiler, or water heater, and a fireplace.The service professional can check for heat exchanger leakage, evidence of start up spillage, and condensation in the chimney. Maintenance normally includes a tune-up, or in the case of a chimney, clearing it of debris and fixing cracks on the inside wall.



    • How much, on average, can I expect to spend on maintenance?

      Expect to spend one percent of the purchase price of your home every year to handle a myriad of tasks, including painting, tree trimming, repairing gutters, caulking windows, and routine system repairs and maintenance.An older home will usually require more maintenance, although a lot will depend on how well it has been maintained over the years.

      Tell yourself that the upkeep of your home is mandatory, and budget accordingly. Otherwise, your home's value will suffer if you allow it to fall into a state of disrepair. Remember, there is usually a direct link between a property's condition and its market value: The better its condition, the more a buyer will likely pay for it down the road.

      Also, adopt the attitude that the cost of good home maintenance is usually minor compared to what it will cost to remedy a situation that you allowed to get out of hand. For example, unclogging and sealing gutters may cost a few hundred dollars. But repairing damage to a corner of your home where gutters have leaked can potentially cost several thousands dollars.



    • What are the main reasons why homeowners remodel?

      There are many reasons. Home remodeling can improve the appearance of your home, enhance its value, add to your quality of life, and appeal to future homebuyers. According to a recent survey by the National Association of Home Builders, the top four reasons homeowners remodel is to obtain more space, avoid buying a new home, enjoy more amenities, and adjust to lifestyle changes.



  • Want a Market Analysis on your home: Request more Information

  • Glossary of Terms

    • Acceleration clause

      Stipulation in a mortgage agreement that allows the lender to demand immediate payment of the entire loan balance if any scheduled payment is missed.

    • Adjustable rate mortgage (ARM)

      Mortgage loan on which the interest rate falls and rises with changes in prevailing rates. The mortgage rate is tied to a selected index and may be adjusted annually. Also called a variable rate mortgage.

    • Agent

      Person authorized to act by and on behalf of another.

    • Air rights

      Right to occupy and use the open space above a parcel of land or property, such as in the leasing of air space over existing buildings or highways.

    • Amortize

      Pay a debt in monthly or other periodic installments until the total amount, along with the interest, if any, is paid.

  • Daily Consumer News

    • For Parents and Grandparents: Fall-Proofing Your Home This Holiday Season

      Whether you're a new parent or grandparent, raising a young child is full of fun, excitement, and sometimes, safety scares. If you're expecting a crowd this holiday season that includes a little one, or if it's your first holiday with your own tot, below are a few tips from AAOS and the Orthopaedic Trauma Association (OTA) to keep safety scares and falls minimal.

      Reduce clutter. It's easy to accumulate clutter, such as boxes of décor and stacks of gifts from holiday shopping. Take the time to declutter your home, especially the hallways and stairs.

      Designate a play area. Children may receive lots of new toys for the holidays and scatter them around the house. It's important to contain those toys in a dedicated play area and clean up after playtime to avoid tripping.

      Keep walkways clear. Keep the path between your front door, driveway and mailbox well-lit and clear of debris.

      Install nightlights. Keep the halls/walkways in your home well-lit and consider a nightlight in the bathroom. A clear path is especially helpful for family members or guests who are trying to get to the restroom in the middle of the night.

      Secure all loose area rugs. Place double-sided carpet tape or slip-resistant backing on all loose rugs around your home. Don’t forget bathroom rugs.

      Rearrange furniture. Ensure no furniture is blocking pathways between rooms.

      Consider stair gates. If young kids will be visiting your home for the holidays, or you have children who live in your home, consider installing childproof gates at the top and bottom of your stairs to prevent children from accessing them without adult supervision.

      If a fall happens, do not panic. Take several deep breaths, assess the situation and determine if you’re hurt. If you’re badly injured, do not try to get up. Instead, call for help from a family member or neighbor. If you’re alone when a fall happens, slowly crawl to the telephone and call 911 or a relative.

      Source: AAOS and the Orthopaedic Trauma Association (OTA)

      Published with permission from RISMedia.



    • How to Stop Sitting so Much

      Did you know that even if you run three miles every morning, it won’t offset the potential damage done by spending the next eight hours sitting at your desk? Some even say that sitting is the new smoking.

      According to the Mayo Clinic, too much sitting poses a wide range of health risks, including obesity, increased blood pressure, high blood sugar, abnormal cholesterol levels and an increased risk of death from cardiovascular disease and cancer. Prolonged sitting also takes its toll on your emotional health, increasing anxiety and stress during the course of the day.

      But what are you to do if you have one of the myriad of jobs that revolve around a desk—compounded by more sitting behind the wheel and an hour or two in front of the TV at night? Here are some simple—yet hugely important—ideas to get you up and moving around throughout the day:

      Have a few calls to make? Stand up while you make them. Better yet, if you’re on your cellphone, do a little pacing while you talk.

      Do more in-person communication. Instead of shooting off another email or text, take a stroll over to your colleague’s desk to deliver your message in-person.

      Have walking meetings. Ditch the conference room and take a stroll to the nearest Starbucks for your next meeting. Or take a few laps around the nearest track.

      Get a standing desk. There are a lot of affordable options in this arena, including simple attachments that allow you to raise your desktop when you’d like. Or, if you can afford a splurge, opt for a treadmill desk.

      Never work through lunch. Even if it’s just a 20-minute break, get out and move around at lunch time. Run an errand or take a few laps around the parking lot. Inclement weather? Go browse the shelves at your local library, or at the very least, eat standing up in the break room.

      Set your phone alarm to remind you to get up and move at least once every hour, even if it’s just standing and stretching.

      Any kind of casual movement that gets you upright will help the effort. Your mind and body will thank you.

      Published with permission from RISMedia.



    • 5 Mindful Driving Tips

      Distracted driving rarely ends well. But with so much going on in your life (and your backseat), staying focused while on the road can be difficult. World champion drag racer Elaine Larsen of Larsen Motorsports knows all about the importance of focus while on the road.

      "It's all about common-sense driving techniques, awareness and proper maintenance," Larsen says. Below are her top mindful driving tips.

      Minimize distractions. For Elaine in her jet dragster, that means no talking into her headset; for the rest of us, that means no texting and driving and being mindful of other distractions like a blaring radio or friends or pets who have come along for the ride.

      Focus on where you’re going. Whether that means checking traffic conditions before you leave, monitoring road closures or construction, or even scouting your route in advance, familiarity with what's outside your windshield contributes to safe, more focused driving.

      Keep your windshield clean and clear, and keep an eye on what's happening down the street. That helps reaction time if something unexpected happens.

      Keep the inside clutter-free. Ever tried to put the brakes on with an empty soda cup stuck beneath the pedal? Be sure to have your insurance and registration paperwork within easy reach, as well.

      Before leaving, conduct a visual inspection. Tires properly inflated? Any loose parts hanging down? Headlight and taillight assemblies intact? You may also want to consider checking the terminals on your battery for corrosion.

      Source:  Florida Institute of Technology

      Published with permission from RISMedia.



    • Heat and Air Maintenance for the Holidays

      With the holiday season right around the corner, your home will likely see more foot traffic. From friends stopping by with gifts, to parties and that yearly visit from the in-laws, your plumbing, heating and air units may be working overdrive.

      "Attention to a few items in the home can help prepare you for visiting family and friends during the holidays," says Mike Nicholson, owner of Nicholson Plumbing, Heating & Air Conditioning. "Now is the time to take action on winterizing certain things in and around the home. It will give you peace of mind as the weather turns colder and holiday guests visit your home."

      Nicholson offers these five tips to make sure the home is ready for colder weather and holiday visitors:

      Check the plumbing: With the influx of visitors, toilets and fixtures will get a lot of use. Now is the best time to take care of any maintenance and repairs. If drains aren't flowing well and freely, plunge water into the drain first before you try to remove the trap in an attempt to clear it. Be mindful that some do-it-yourself, chemical drain cleaners can be harmful to your pipes. Instead, consider trying a natural remedy: pour equal parts salt, baking soda and vinegar to clean out a partial clog.

      Tune up the heating: Winter often brings extremely cold temperatures, so you want to be sure your heating unit is working at peak efficiency. To make sure everyone is warm during the cold weather, try changing out your filters to give your system the best chance of success. You may also need a comprehensive heating system check. A system tune-up and filter replacement can go a long way toward preventing problems from putting a chill on your holiday plans.

      Clean air ducts: To provide fresh, allergen-free air to your holiday houseguests, you will want to perform a thorough duct cleaning. When your ducts are filthy, your filters clog up faster and force your system to work harder to distribute air. This decreased efficiency leads to higher energy bills and excessive wear and tear on your system. Removing the registers and vacuuming the outlet is a good start, but you may want to opt for a whole-house duct cleaning to really do the job.

      Seal drafty windows and doors: Applying caulk or weather stripping where cold air creeps in will help with energy savings. If cold air creeps in, that too will put a strain on the heating system's ability to keep your house warm and cozy for the holidays.

      Winterize the exterior: To prevent pipes from bursting, ensure outdoor spigots are shut off as freezing weather approaches. Have some rock salt on hand to de-ice sidewalks to make sure your holiday visitors are safe.

      Source: Nicholson Plumbing, Heating and Air Conditioning

      Published with permission from RISMedia.



    • Tips for Tax-Deductible Charitable Donations

      At the end of the year, thousands of Americans rush to make charitable donations to offset their taxes or help out their favorite causes. According to Senior CFP Board Ambassador Jill Schlesinger, CFP®, too often, Americans  may not recognize two keys to smart giving: careful vetting of charities, and tax planning that helps make the most of a gift.

      "Considering how many people make charitable gifts at year-end, it's amazing how little thought and research can go into the process," Schlesinger says. "There are fake charities and scam artists who take advantage of generosity."

      To combat this, Schlesinger offers the following checklist for Americans who are preparing to make end-of-year donations.

      Step 1: Confirm the charity is legitimate by searching the IRS tool, Exempt Organizations Select Check. Cross-reference by asking the organization for its employee identification number, and then searching the same database for it.

      Step 2: Research the charity's financial health. The Better Business Bureau's (BBB) Wise Giving Alliance, Charity Watch, GuideStar and Charity Navigator offer guidance on how charities spend money. Many Americans want to understand what portion of a donation goes to overhead, versus the cause itself.

      Step 3: Determine how to donate. Options include donations of goods, checks, wire transfers and credit card payments. Americans can also donate appreciated securities and write off the current value of a stock, or make donations directly from their IRAs, though some rules apply.

      Step 4: Keep good records. For any donation valued at $250 or more, the IRS requires a bank record, payroll deduction or written communication identifying the organization, the date and amount of the contribution and a description of the property.

      To be deducted from 2017, donations must be given or postmarked by midnight on December 31.

      Source: Certified Financial Planner Board of Standards, Inc.

      Published with permission from RISMedia.



  • Buyers: Ck out our featured Properties

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    • 338 MAIN ST HARLEYSVILLE, PA 338 MAIN ST, HARLEYSVILLE, PA Single Family | Detached for sale. $419,500 
    • 1973 W MAIN ST #B NORRISTOWN, PA 1973 W MAIN ST #B, NORRISTOWN, PA Condo/Townhome | RowTwnhsClus for sale. $1,200 
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    • 1052 DENSTON DR AMBLER, PA 1052 DENSTON DR, AMBLER, PA Single Family | Detached for sale. $574,900 
    • 509 HARLEYSVILLE PIKE HARLEYSVILLE, PA 509 HARLEYSVILLE PIKE, HARLEYSVILLE, PA Single Family | Detached for sale. $319,900 
    • 1912 KOFFEL RD HATFIELD, PA 1912 KOFFEL RD, HATFIELD, PA Single Family | Detached for sale. $304,900 Price reduced from $309,900 (-$5,000)
    • 101 W HAMLIN AVE TELFORD, PA 101 W HAMLIN AVE, TELFORD, PA Single Family | Semi-Detached for sale. $209,000 Price reduced from $215,000 (-$6,000)
    • 30 BEACON HILL LN PHOENIXVILLE, PA 30 BEACON HILL LN, PHOENIXVILLE, PA Single Family | Detached for sale. $525,000 
    • 611 MORRIS RD EAST GREENVILLE, PA 611 MORRIS RD, EAST GREENVILLE, PA Condo/Townhome | Townhouse/Row for sale. $147,500 Price reduced from $149,000 (-$1,500)
    • 120 N 9TH ST QUAKERTOWN, PA 120 N 9TH ST, QUAKERTOWN, PA Single Family | Detached for sale. $212,999 Price reduced from $213,000 (-$1)
    • 2109 DEEP CREEK RD PERKIOMENVILLE, PA 2109 DEEP CREEK RD, PERKIOMENVILLE, PA Single Family | Detached for sale. $350,000 
    • 1000 N GRAVEL PIKE SCHWENKSVILLE, PA 1000 N GRAVEL PIKE, SCHWENKSVILLE, PA Single Family | Detached for sale. $1,100 
    • 286 PARKVIEW DR SOUDERTON, PA 286 PARKVIEW DR, SOUDERTON, PA Condo/Townhome | Townhouse/Row for sale. $190,000 
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    Listing ID #123456
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  • Buying Q&A

    • What are the advantages of owning a home?

      There are many. Among the most appealing: you own it, which gives you, instead of a landlord, control of your living space. Other benefits stem from potential tax savings and the build up of equity as your property likely appreciates in price over time. Equity can be used to help put children through college, purchase a second home, or make home improvements.

      The mortgage interest paid on a home loan is tax deductible, as is the local property tax. If you get a fixed-rate home mortgage loan, you also can invest more wisely knowing your monthly mortgage payment, unlike rent, will not change substantially.



    • What is the first step to buying a home?

      Make sure you are ready - psychologically and financially. Ask yourself the following questions: Do I have steady income? Is my debt lower than my total income? Do I have enough money to pay for the down payment and closing costs? Am I working hard enough to improve bad credit?

      A house needs constant care and attention. Also ask yourself if your budget will allow for unexpected repairs and upkeep. Once you can honestly answer "yes" to these questions, you are several steps ahead of the game and that much closer to becoming a homeowner.



    • How much can I afford?

      The general rule of thumb is that you can buy a home that costs about two-and-one-half times your annual salary. A good REALTOR® or lender can determine how much you can afford and estimate the maximum monthly payment based on the loan amount, taxes, insurance and other expenses.



    • Is it best to save for the ultimate dream home or begin with a less expensive starter home?

      It can take a long time to save for that perfect dream home. Meanwhile, the market has been flooded with some of the most favorable mortgage interest rates in years. Low rates make housing more affordable, which is why so many buyers have jumped on the home buying bandwagon.

      Home-price appreciation has also been strong, making very solid gains in communities across the country. In fact, home prices are expected to increase 2.5 percent to 3 percent annually over the next five years.

      If you purchase a starter home today, you can potentially begin to build value that can lead to the purchase of a larger, or more desirable, trade-up home in the future.



    • How do you decide whether to add on to an existing home or purchase a new one?

      There are a few things to consider, including cost, individual needs, and what will add value down the road. Also important: your emotional attachment to the existing home. As designer and builder Philip S. Wenz, the author of Adding to a House: Planning, Design & Construction, notes, an addition is much cheaper than building a new home and can offer a "new" home without the heartache of moving.

      Other considerations:

      • Can you finance the home improvement with your own cash or will you need a loan?
      • How much equity is in the property? A fair amount will make it that much easier to get a loan for home improvements.
      • Is it feasible to expand the current space for an addition?
      • What is permissible under local zoning and building laws? Despite your deep yearning for a new sunroom or garage, you will need to know if your town or city will allow such improvements.
      • Are there affordable properties for sale that would satisfy your changing housing needs?
      Explore your options. Make sure your decision is one you can live with - either under the same roof or under a different one.

  • Financing Q&A

    • What is a mortgage and how does it work?

      A mortgage makes homeownership possible for most people. In the simplest terms, it is a loan that is secured by real property. The lender holds title to the home until the loan is completely repaid. If you fail to pay up, the lender has a right to take the property, sell it, and recover the money that is owed.

      The amount of a mortgage will vary greatly depending on the down payment you make to reduce the amount of money that is needed to finance the home. You may put as much money down as you like, or you can sometimes pay as little as 3 to 5% of the purchase price, or sometimes nothing at all. The more you put down, the more you reduce the amount that is financed, thereby lowering your monthly payment.

      The monthly payment consists of both principal and interest but also typically includes additional amounts to cover property taxes and insurance-specifically hazard insurance and private mortgage insurance, the latter of which is required for down payments less than 20% of the purchase price.

      Home buyers in the U.S. have access to several different types of mortgage loans.



    • How do I qualify for a home loan?

      Top 5 Members have information on lender loan requirements and will be able to calculate a rough monthly figure you can afford based on the maximum monthly payment for the loan, taxes, insurance, and any type of maintenance fees. This pre-purchase evaluation by the agent can save you a lot of time spent looking at properties you cannot afford.

      Lenders also routinely calculate what you can afford and can pre-qualify you for a loan even before you begin your home search. This way, you know exactly how much you can afford to buy.

      Lenders generally stipulate that you spend no more than 28% of your gross monthly income on a mortgage payment or 36% on total debts.

      Ultimately, the price you can afford to pay for a home will also depend on other factors besides your gross income and outstanding debts. They include the amount of cash you have available for the down payment, your credit history, current interest rates, closing costs and cash reserves required by the lender, and the type of mortgage you select.



    • What's the best way to choose a home loan?

      A lot will depend on the length of time you plan to live in the home, other financial obligations, and potential savings gained from comparing the monthly costs of a home against the upfront costs and closing costs involved with a particular loan.

      Also, you will need to be comfortable with whatever choice you decide to make. Trust your instincts and do not be pressured into signing for a loan that will not really work for you.



    • Where can I get a mortgage?

      You can get a home loan from several different sources-a credit union, commercial bank, mortgage company, finance company, government agency, thrift (which includes savings banks and savings & loan associations), mortgage broker, and even the seller.

      Note, however, that most lenders have tightened their credit standards in light of increasing foreclosures and higher delinquency rates. Begin your search by calling at least half a dozen lenders to inquire about the types of financing available, current rates on each loan type, loan origination fees and number of points, other loan features and their credit requirements for borrowers.

      Once you actually apply for a mortgage, the lender will pull a recent copy of your credit report. That inquiry and any and all others are recorded and become a part of your credit file. Normally, several inquiries during a short period are viewed negatively, as a sign you are trying to open several new accounts. Such a move lowers your credit scores; and lower credit scores mean you will be offered a higher mortgage interest rate.

      However, there is a caveat. Credit scoring software generally detect that you are shopping for a single mortgage, if you shop within a short, 30-day window. So multiple inquires pulled roughly within this time frame will only count as one inquiry and should not affect your FICO or credit score.

      Checking your own score also will not lower your credit score.



    • What does a mortgage broker do?

      Much like a stockbroker helps you buy stocks, a mortgage broker can help you purchase a home loan. Because the broker has access to many lenders, you will be able to select from a wide variety of loan types and terms that fit your specific needs.

      Note, however, that brokers are not obligated to find the best deal for you. Of course, if you agree in writing to have one act as your agent, that is an entirely different story. This is why it is important when looking for a broker to contact more than one, just as you would any other lender.

      Compare their fees and ask questions, particularly about how they will be paid. Sometimes their fees appear as points paid at closing or the compensation is factored into the interest rate, or both. In any event, haggle with the broker and the lender for the best deal.

      Real estate agents normally maintain contact with several brokers. Ask your Top 5 Member for recommendations.



  • Home Matters Articles

    • In this Edition: Listing During the Holidays May Lead to a Faster Sale at a Higher Price Point

      Our lead story in this month’s Home Matters examines six reasons why you shouldn’t wait until after the holidays to list your home. Other topics covered this month include simple ways your smart speaker can improve your life at home and how you can up your recycling IQ to ensure you're not doing more harm than good. We hope you enjoy this month’s edition of Home Matters and as always, we welcome your feedback. Email us anytime!

      Published with permission from RISMedia.



    • 6 Reasons Why You Should List Your Home During the Holidays

      Traditional real estate wisdom may be telling you to hold off selling your home until after the holidays, but there are plenty of good reasons to list your home right now. Consider the following:

      • People who are looking for a home during the holiday season are most likely pretty serious about making a move. In fact, they may be in a bit of hurry. Putting your home on the market now might result in a faster sale at a higher price point.
      • Between family gatherings and holiday parties, you’ve probably got your home in bright and shiny, tip-top shape for entertaining. What better time to show off your home to prospective buyers, too?
      • In most areas of the country, yard maintenance decreases during the wintry holiday months. While you may have to blow a few leaves and clear away some snow from walkways, you won’t have to worry about keeping the lawn mowed, the garden beds weeded and the flowers blooming as you would if listing your home in the spring and summer.
      • The end of the year is usually a slower time for real estate professionals, so you will get lots of attention from your agent if you decide to list your home during the holiday season.
      • You will also have less competition in terms of other homes on the market, allowing your home to stand out more to prospective buyers.
      • You can stage your home to make an emotional connection to the holidays. Work with your real estate agent to tastefully decorate so that prospective buyers envision themselves hosting loving family celebrations in your home during the holidays. Stay away from overtly religious decorations and stick with decorations like small white lights, natural evergreens and a few shimmering metallics. An evergreen- or cranberry-scented candle will also emphasize that home-for-the-holidays feel. 
      If you need more real estate information, feel free to contact me.

      Published with permission from RISMedia.



    • 5 Ways Your Smart Speaker Can Help out Around the House

      From Google Home to Amazon Echo, smart speakers are hitting the market in droves. But while they seem like the next “must have,” what do they really do? And do you really need one?
       
      First things first, according to WhatIs.com, a smart speaker is a wireless and smart audio playback device that uses several types of connectivity for additional functions. The original purpose was to wirelessly deliver audio content from your media library, i.e., songs from your Spotify playlist. Many have evolved, however, to now feature voice-activated digital assistants and to also be able to operate home automation programs. The term “smart speaker” now specifically refers to those speakers with voice control.
       
      But how can a smart speaker improve your life at home? Here are just a few of the tasks you will be able to use it for (which will vary according to model and artificial intelligence (AI) used):

      1. DJ your next party. Place a few smart speakers in several rooms of your house, including your yard or patio, and have the same playlist piped throughout the entire expanse of your party.
      2. Control your audio-visual needs. Smart speakers may be able to end the madness of multiple remote controls, let alone the confusion regarding how to operate said remotes.
      3. Make you more energy efficient. A key component of your smart home automation, you can enlist your smart speaker in adjusting your lights and your heating and cooling system. When used wisely, this can help lower your energy bill.
      4. Organize your day. You can use a smart speaker in much the same way you use Siri—to remind you of items on your to-do list, appointments on your calendar, and give you directions to wherever you’re headed.
      5. Buy and sell real estate. An increasing number of apps will become available through smart speakers that will help you search for and buy homes in your area, contact real estate agents or visit open houses. 
      As with all technology, the applications and possibilities of smart speakers will only continue to evolve, so it might be worth taking one for a test drive.
       
      Hope you found these tips helpful. If you need any real estate information, please contact me.

      Published with permission from RISMedia.



    • Before You Set Your Alarm, Make Sure That Black Friday Deal Is Really Worth It

      For better or worse, the American Thanksgiving tradition now includes a midnight run to the nearest department store or electronics retailer in the hopes of nabbing the ultimate Black Friday deal. But before you join the masses in this shopping madness, the Better Business Bureau (BBB) advises doing the following to make sure the deal you worked so hard for doesn’t turn into a disaster.

      1. Is the discount really a discount? Make sure that the price wasn’t inflated before the store offered a percentage off. For example, if there's 20 percent off the Manufacturer’s Suggested Retail Price (MSRP), that’s not much of a deal. The MSRP is a much higher price than what the store would normally sell the product for.
      2. Read the fine print. Some Black Friday sale items may only be available in limited quantities or during specific time periods. In other words, you may need to line up before the store opens to even have a chance of scoring a specific deal.
      3. Be aware of the return policy. Before you purchase, make sure you’re able to return the sale item if it turns out not to be what you wanted or if you find it cheaper somewhere else.
      4. Be safe online. Lots of Black Friday deals are offered online, as well. Be sure to pay with a credit card as opposed to your debit card—your credit card is protected in case of fraudulent activity, whereas your bank account is at risk when using your debit card—and look for the padlock icon in the browser to make sure you’re on a secure site. 
      Finally, the BBB reminds us that there are many holiday shopping deals to be had beyond Black Friday. Consider Cyber Monday and Small Business Saturday, as well as local craft and gift fairs. Of course, the best way to avoid overspending this holiday season is to create a budget, make a list and stick to it. Remember, the most thoughtful gifts usually don’t come with high price tags...or any price tag at all.
       
      If you'd like more homeowner information, please contact me.

      Published with permission from RISMedia.



    • Painting Project in the Works? Consider the Colors of 2018

      When it comes time to refreshing our walls with a new coat of color, we all have our favorite hues. But it’s always worth taking a look at the colors the experts choose as trending shades for the year ahead. The editors at remodeling.com compiled the 2018 picks from the top paint companies. So before you spread the drop cloth and don your coveralls, consider whether any of the following fashion-forward colors will work in your home:
       
      The Green Hour: This blue-green with a healthy wash of gray from Dunn-Edwards can pass as a neutral shade, but also lends a moody or dramatic look to a room. If you’re looking for something light and airy, this isn’t it.
       
      Black Magic: This choice from Olympic Paint is a shade of black that offers striking contrast when used for trim and accent furniture. You can also consider painting one or two walls in this color, depending on the size and purpose of the room in question.
       
      In the Moment: Another blue-green hue, this one comes from Behr, and offers a softer, more pastel option. This versatile shade would work equally well in a bedroom, kitchen or living room—and is a nice gender-neutral option for a baby’s room.
       
      Deep Onyx: This shade from Glidden is another twist on black, offering a classic, timeless approach, just like “a little black dress,” as the firm’s marketing department aptly describes it.

      Caliente: Just like the name implies, this fiery red from Benjamin Moore will quickly heat up a room. It's perfect for a large dining room or any room that can handle a bright pop of color.

      Oceanside: Yet one more take on a blue-green, this color from Sherwin-Williams is very deep and intense, just like its namesake.
       
      If you’d like more information about homeownership, please contact me.

      Published with permission from RISMedia.



  • Office Location: 418 Main St, Harleysville

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  • Patricia O'Herrick

    Vice President / Associate Broker Harleysville Office

    (215) 256-6543

    (267) 718-0202

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    AB-067879

    Patricia has been in real estate over 20 years. She has lived and work in this area her whole life. She is actively involved in her church and volunteering in her community. She has a heart for serving her clients and giving back.  Her background has always been in management and sales. She has several real estate designations, both state and nationally recognized, that give her the expertise she needs to represent her clients successfully.

    - Sellers love her dedication, marketing plans and pricing that gets their house sold.
    - Buyers appreciate both the time, energy and care that she puts into finding just the right home for them.
    - Her certified negotiation skills aide in all areas, giving her clients the most for their money.
     
    Patricia's experience and expertise is joined by her caring and fun personality. Her clients love her and continue to come to her for all their real estate needs.