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A New Homeowners First To-Do List

Tuesday, September 13, 2022
by Scott Darling

Your new home’s closing is imminent, and the excitement of moving is mounting! Besides connecting utilities and updating your address, some things should be done at the new house as soon as possible. Follow these guidelines so nothing will be forgotten: 

 

  • All of the entryway locks and/or keypad codes should be changed. Get a security system set up, and if there is one in place, reset it to default settings and customize it to your needs. 
     

  • If you are a family with small children, have safety measures in place before everyone goes into the house.  
     

  • Deep clean the new house, even if it looks clean. Save money by doing this yourself, or have a professional take care of this before move-in. 
     

  • With a copy of the home inspection in hand, walk through the house and check for minor things that did not require repair by the seller. Have those minor things taken care of before they become major (and costly) things. 
     

  • Painting, removing textured ceilings, and other small improvement jobs will be completed faster if done before all your belongings are in place.  
     

  • Turn on all the appliances, familiarize yourself with the breaker panel, and locate the shut-off valves for utilities. 
     

  • Measure windows and purchase blinds or shades if window treatments were not included in the sale. 
     

  • Get to know your neighbors! Once you have moved in, introduce yourself by hosting a “front porch social” with simple snacks. Hang a banner or place a sign in the front yard asking them to stop by and say “hello.” 

 

As a homeowner, your to-do list is rarely going to be finished. While many tasks can wait until after settling in, others cannot. Taking care of these “little” things upon move-in will cement the “homeowner” feeling and start you on the road to pride in your home and protection of your investment. 

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Photo credit: home tips for women

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Making Changes? Check Your Homeowners Policy

Wednesday, September 7, 2022
by Scott Darling

Renovating your home is no small investment. Making structural changes can require changes in your home’s insurance policy as well. Check out this list of the most popular improvements before calling your agent: 

 

  • A new roof could lower your premium, especially when upgraded to the latest standards of protecting your home from natural disasters. 
     

  • Whenever you increase square footage by way of a home addition, your policy will need to be upgraded, increasing your premium. 
     

  • Converting already-existing space into a master suite or a media room may not require changes to the policy if the square footage is already covered, but since the replacement value has changed, it would be wise to increase your coverage. 
     

  • When making upgrades to your home, whether using top-quality building materials for a renovation or finishes or installing state-of-the-art appliances in the kitchen, increasing your policy’s replacement value for these items would be worth the additional amount in the premium. 
     

  • Improving home systems, i.e., the electrical or plumbing, can lower your premiums, as upgrades can make your home safer from incidents relating to fire and leaking pipes. 
     

  • Installing a pool or hot tub in your backyard will add to the replacement value of your home, and liability coverage will need to be increased to protect yourself in case of any accidents. 
     

  • According to Safewise, adding a home security system could lower your homeowner’s premium by 20%.   
     

  • Depending on how they are mounted, adding solar panels may require a policy of their own, which would add to your budget.  

 

Protecting your home should be top priority, but it is wise to be prepared for anything that will add to your monthly budget. Schedule a meeting with your insurance agent before beginning any changes in your home so there will be no surprises when your payments increase. 

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Photo credit: universal property

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Six Home-Selling Myths

Thursday, August 25, 2022
by Scott Darling


When the time comes to sell your home, you get all sorts of advice from friends and family, as well as the internet.  Accepting all of that information as fact isn’t a good idea, because following all of this advice may end up costing you money and time. Let’s look at some of the myths you may be taking as truths about selling your home: 

 

  • “My house is worth (much more or less than you thought) according to this website!”  Online estimators are not dependable when it comes to assessing the value of your home.  They can’t see the interiors, the condition of the roof, landscaping--you get the idea.  Your REALTOR® is your best source for setting a value for your property. 
     

  • “This kitchen needs remodeling before anyone will even consider buying this place.”  A thorough cleaning, sprucing up of the cabinets with new paint and hardware and installing an inexpensive backsplash and new faucet can make your kitchen a total selling point.  Spending too much on a complete renovation can cost more if you don’t get your return on investment. 
     

  • “If I overprice the house, then negotiate an offer, the buyer will think they’re getting a steal of a deal!”  In today’s world, most homebuyers have done their research, and may overlook your home simply because of the high asking price.  Have confidence in your agent’s ability to price it right.   
     

  • “Weekends are the only days I can have the house available for viewing.”  Setting limits on when an agent can bring potential buyers to the house is like putting up a Not For Sale sign in your yard. If you want the house to sell, it must be accessible even when it’s not convenient for you. 
     

  • “I’ll wait until I get a few more offers.”  Rejecting the first offer for a wait-and-see can leave your house on the market longer, which can lead to fewer offers.  Buyers will wonder if something is wrong with the house when they see the length of time it’s been for sale, leaving your home overlooked in their house hunting. 
     

  • “Hiring a real estate agent is going to cost too much.”  When you contract with a REALTOR®, you’re getting a professional that knows the market, handles the listing, marketing, showing, knows legal aspects of selling a home, and much more.  Taking the risk of selling your house on your own could cost you much more than an agent’s commission in the end. 

 

Discuss your ideas and fears with your REALTOR® and allow them to guide you through the home-selling process.  Choosing a reputable and knowledgeable agent will help with any concerns you may have, helping you debunk the more common myths about selling a home. 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: martinrealestateadvisors.com

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Chester County PA Real Estate Market Trends for July 2022

Wednesday, August 17, 2022
by Scott Darling

Chester County PA Real Estate Market Trends for July 2022

Chester County PA single-family homes saw pending sales decrease by -23.6% in July 2022 when compared to July 2021. 646 homes sold in July with a median sales price of $497,843.The average days on the market increased by 1 day. If you are thinking about selling your home get a free instant home evaluation Learn More. 

 

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Keeping Cool Without Turning Down the AC

Wednesday, August 10, 2022
by Scott Darling


Let’s face it:  Heat waves can drain the energy from our bodies, but it can also drain the money right out of our bank accounts when the energy bill comes due.  Turning the thermostat down seems logical, but not always the best thing to do to cool the house off.  Here are some practical things we can do to help our AC keep the home comfortable: 

 

  • - Keeping shades drawn in rooms where the sun comes streaming in is a great first defense on staying cool inside.  Doing this simple thing can lower the inside temps 30%! 
     

  • - When you’re away, program the thermostat to 80°, and then down to 75° once you are home.  No need to cool an unoccupied house, and leaving it off completely causes not only heat, but humidity, to build up. If those settings seem warm, give it a week, and you’ll find that your body acclimates to the warmer temperatures! 
     

  • - Utilizing fans is an inexpensive way to help stay cool; your ceiling fan should be turning counterclockwise (find the direction toggle switch near the fan speed chain), and floor fans should blow towards you at a comfortable speed. 
          

  • - Planting large shrubbery and plants with heavy foliage on the sunny sides of the house not only makes the landscaping attractive, the plants help block the heat, making the outside cooler, thus, the inside will stay cooler. 
     

  • - Permanent awnings and shutters are easy ways to block sun, as are retractable curtain awnings.  
     

  • - Allowing all interior doors to stay open will help the air circulate fully and helps keep hot spots from forming.  Leave air registers open, even in unoccupied rooms, to avoid putting a strain on ductwork over time. 
     

  • - Using a dehumidifier will, obviously, reduce the moisture in the air, making the house feel cooler. 
     

  • - Time your clothes-drying and dishwashing for nighttime hours and keep the house cooler in the daytime and save on your electric bill. Most energy companies have off-peak consumption hours at night and early mornings. 
     

  • - Cooking will heat up the kitchen, so learn how to cook plan your cooking early or later in the day and make use of a toaster oven creates less heat than turning the oven on. 

 

One of the best things you can do to help your unit running well and keeping things cool is maintenance!  Have a pro come and service it, change filters when they are visibly dirty, make sure the evaporator drain can run freely, and keep the air flowing nicely around the unit.   

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Photo credit: koruarchitects.co.uk

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Protecting Smart Home Devices

Friday, August 5, 2022
by Scott Darling

Having a smart home is becoming more affordable every year, and using automated devices is so convenient! However, many homeowners simply plug everything in and connect it to the home network, but this can be a mistake. Security should be a priority when buying anything for a smart home. Keep your smart devices secure with these tips:  
 

  • Expert Michael Horowitz suggests purchasing your modem/wireless router instead of leasing it from your internet provider. Ownership of the equipment allows more freedom to change settings and passwords and update the firmware. 
     

  • If leased equipment is already in place, use the router’s IP address, (most are found on a label on the router itself), and change the name of the router, the wifi connection, and create new passwords for both.  
     

  • Two- or multi-factor authentication is the next important step. Use a password keeper to create strong passwords and keep those passwords safe but accessible to you. 
     

  • Setting up a home network on your own can be intimidating, so hire a pro or ask a friend who has the know-how to help you. Having a home network will keep your “internet of things” connected separately, thus, less vulnerable to hacking or spying. Another benefit is if one device becomes infected with a virus, home computers and other devices that us a different network will not “catch” anything and remain safe from irreparable damage. 
     

  • Changing the router’s firewall settings is one way to add security from hacking, but purchasing a separate firewall is almost like having a double wall between your home’s network security and the bad guys! 
     

  • Privacy is a must: configure all “listening” devices to limit the data they record and share.  

  • Enable automatic updates on all devices during setup. If that is not an option, set a reminder to check for firmware updates at least once per week. 
     

Finally, when you upgrade to any new devices, reset the setting of the old ones to factory default. Thus, if you sell or give away any of those items, your custom settings are not available to the new owners. You hold the keys to the security of your home’s smart devices and going through the process of good security setup may take some time, but the effort is worth it! 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: entrepreneur.com

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Park the Car in the Garage!

Tuesday, July 26, 2022
by Scott Darling

Do you actually park your car in the garage?  A survey from PRN News found that only 1 in 4 Americans keep their car in the garage when they’re at home!  The rest use it for storage, extra workspace, and, sometimes, junk.  Spend some extra time and a little money to get organized and get more use from this large space! 

 

- Hang folding outdoor chairs from wall hooks or strong nails to get them out of the way.  Plastic chairs can be stacked and placed in a corner. 
 

- Create off-the-floor storage space by adding shelves, and put lightweight items in clear plastic storage totes, and place them on the shelves. 
 

- Have the kids’ sports balls taken over the floor?  Use bungee cords to get them out of the way!   
 

- Use plastic window planter inserts for storage, mounting them on a wall with a washer/bolt combination for strength.  Store smaller miscellaneous items in the planters--gardening hand tools, spray paint cans, or paint brushes. 
 

- If your garage has visible studs, use that space to hang items by placing a tension rod in between the studs.  Hang spray bottles by their nozzles, add hooks to store garden tools, or attach small plastic baskets with shower curtain hooks for storing small items. 
 

- A worktable can take up a lot of space if you’re not using it all the time, so creating a fold-away table is perfect for the hobbyist.  Crafted Workshop shows us how to build one for about $35. 
 

- An unused filing cabinet can be turned into garden tool storage by removing the drawers, standing the cabinet on its back, and use the empty drawer spaces to stand tools in.  
 

- Toy bins with rope handles are sturdy enough to store garden hoses, extension cords, and actual outdoor toys, and the bins can hang via their rope handles on large nails or hangers. 
 

- Wood pallets can be put to so many uses, and the garage is no exception.  Attach them to the walls, add nails or hooks and hang items, or create shelving with them. 
 

- Keep small hardware and machine parts handy in jars with screw-on lids.  Make them even more convenient by attaching them to the undersides of shelving!  Instructables shows you how to DIY this project. 

 

Home centers have units and other materials to create hanging storage on the ceiling, as well as storage cabinets for things that need to be locked up or out of the kids’ reach.  However, you choose to tidy up your space, your hard work will pay off because you just might end up with room to park the car!

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: garagejournal.com

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Chester County PA Real Estate Market Trends for June 2021

Thursday, July 21, 2022
by Scott Darling

Chester County PA Real Estate Market Trends for June 2022

Chester County PA single-family homes saw pending sales decrease by -24.3% in June 2022 when compared to June 2021. 735 homes sold in June with a median sales price of $489,000. The average days on the market fell by 9 days. If you are thinking about selling your home get a free instant home evaluation Learn More. 

 

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Travel Safely this Summer!

Thursday, July 14, 2022
by Scott Darling

A summertime getaway is just what many need to visit faraway family, spend time learning about other places, or simply to relax and have fun. Keep these tips in mind to make your trip as safe as possible: 

 

  • Before hitting the road in the family vehicle, schedule a check-up–for the car! Have a reputable mechanic to check the engine and parts thoroughly, including all fluids, belts, and the battery, and make sure your tires are in good condition and properly inflated.   

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  • Pack items that you will need for emergencies where they can be easily accessed. Purchase one of the many emergency car kits that suits your needs or make your own kit and keep them in a storage tote. A small first-aid kit should be kept in the glove compartment, especially when the kids are traveling, too. 

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  • Check the forecast for all of your travel days. Summer heat means afternoon thunderstorms, and you will need to know where you can safely pull over if rain and wind become too heavy for driving.

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  • When using electronic navigation, be sure that the destination address is correct, and that the map is routed correctly. Print or purchase a paper map to consult in case you pass through areas where there is a poor signal is a must.  

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  • Air travel means added time to your day. Once at the airport, distribute the kids between the adults and go to different security screening lines, and your wait will be shorter. 

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  • Before getting comfortable on the plane, using alcohol-based disinfectant cloths, wipe everything down, giving extra attention to the food tray and the back of the seat pocket area. 

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  • If possible, leave your cell phone at home and opt for a prepaid cell phone to stay in touch.

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  • When you are not using Wi-Fi, disable it on your device, as well as the Bluetooth signal. Public connections can give hackers easy access to your stored personal data. 


  • Upon arrival at your hotel or rental home, ask for the official Wi-Fi router name and password, and see if there are other networks available throughout the property. Fake wireless connections can be created by hackers, leaving your personal information at risk of being breached.   


  • If paying for something online is your only option, disable your cell's Wi-Fi connection and use your cellular data as a security measure. 

 

While you are looking forward to some fun in the sun, it is important to keep yourself, your family, and your digital presence safe. Some mishaps are unavoidable, but when you are prepared, it makes your time away from home more fun and less stressful! 

 

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: CNBC

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Buying a Home After Financial Setbacks

Friday, July 8, 2022
by Scott Darling

Filing bankruptcy or losing your home to foreclosure does not mean the end of the road for financial success afterwards.  It can be scary to even think about buying another house, but it is not impossible! Check out these tips to help you back on your way to homeownership: 

 

  • Probably the most important thing to do is to pay all of your bills on time and in full. This will get your credit score climbing back up to a number that will look good to lenders. 
     

  • The bankruptcy process begins and ends with required financial courses.  Ask for a fee waiver so the added costs are not a burden. 
     

  • If your last home went into foreclosure, there are waiting periods for applying for a mortgage: three years for FHA loans, seven years for Fannie Mae/Freddie Mac loans, two years for Veterans Affairs loans, three years for USDA loans, and other lenders have different waiting periods. 
     

  • The homebuying process is different for those above-mentioned agencies when it comes to past bankruptcy. It simply depends on the type of bankruptcy filed. 
     

  • Going through a short sale may be a different situation, but this process has a waiting period as well. The average wait time to apply for a mortgage is two to seven years. 
     

  • Some financial institutions may ask for an explanation–in writing–about the situation that led to the foreclosure or short sale, as well as what you learned during the process.   
     

  • Extenuating circumstances, such as a major illness or job loss, can make a difference in how long you have to wait to apply for a mortgage.  Be prepared with any paperwork that shows your loss of income or increase of debt. 

 

 

Courtesy of Chester County PA Realtor Scott Darling. 

Photo credit: The Gottman Institute 

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