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Five Things to Consider in a New Neighborhood

Thursday, June 23, 2022
by Scott Darling

In most home buying situations, you are not only purchasing a house, but you are also buying the neighborhood. There are many factors you cannot control, but to avoid regrets, consider these five things while house-hunting: 
 

  • Affordability: The mortgage payment is an important part of your budget, but keep in mind that property tax is normally added to your monthly loan payment. Property tax is based on the assessment value of the property. The assessment value depends on different factors, and the home’s location is number one. Ask your Realtor® for past tax information, but the house may be reassessed after closing.  
     

  • How you live: Satisfaction with your home’s location will depend on the general area. Are you a pet lover with four dogs? You need a pet-friendly community. Is your family a large one with lots of noisy backyard activities? Look for active families in the neighborhood. Do you need close access to theaters, restaurants, or shopping? Your new home does not need to be a long commute to things you love.  
     

  • Schools: Communities in a high-rated school district normally have homes with higher price tags. As a parent, buying a home in a good school district is an investment in your child’s future, and if you do not have children, it is a wise financial investment as your home should at least keep its value as time goes by. 
     

  • Safety: Everyone wants to feel safe in their home. Several websites offer crime stats, but it may be best to contact local law enforcement for current information about the area. 
     

  • Utilities: Is high-speed internet or natural gas available in the neighborhood? Does your water come from the municipal water supply or a well? Your agent should have all of this information for you but asking the homeowner if they are willing to share how much they pay in monthly utilities will help you plan your monthly budget. 

 

Performing some “home” work is probably the best way to learn more about a community. Drive through at different times during the day or take a walk and pay attention to the sights, sounds, and–yes–smells of the neighborhood. You will be spending a lot of time there and being content in your new home is the most important location factor of all! 

 

Courtesy of Chester County PA Realtor Scott Darling. 

Photo credit: RE Express

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Chester County PA Real Estate Market Trends for May 2022

Wednesday, June 15, 2022
by Scott Darling

Chester County PA Real Estate Market Trends for May 2022

Chester County PA single-family homes saw pending sales decrease by -24.4% in May 2022 when compared to May 2021. 568 homes sold in May with a median sales price of $465,000. The average days on the market fell by 7 days. If you are thinking about selling your home get a free instant home evaluation Learn More. 

 

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Short-Term Fixes for Urgent Home Repairs

Tuesday, June 7, 2022
by Scott Darling

Things happen, and it seems that they usually happen on weekends or after normal working hours. What do you do until a professional makes a service call? Find the temporary solution to many emergency needs here: 

 

  • Leaky roof:  Search for the leaking area in the attic while it is raining and call a roofing company or handyman as soon as possible. Cover the area with a heavy-duty tarp, using nails to keep it in place.  
     

  • Broken window: Wearing work gloves and safety glasses, remove any broken glass pieces. Use heavy-duty plastic and weather-proof tape to cover the hole or cover the window completely, sealing it well to keep out rain or cold. 
     

  • Leaking water pipe: Turn the water off at your water main. Stop small leaks with epoxy putty. Do not allow pipes to continue to leak or think the putty will hold forever. Have a plumber address the issues. 
     

  • Water heater leak: The first thing that should be done is to turn off the water heater breaker or gas flow, then turn off the cold-water flow to the heater. Call your plumber immediately, then start cleaning up with towels or a wet/dry vacuum. If water has flooded the room, take photos before cleaning up, and call your insurance company. 
     

  • Clogged drain: Using a plunger for clogs is better and safer than using store-bought drain cleaners. This video from Ask This Old House shows homeowners the proper way to clear drains. If none of those solutions work, calling a plumber is in order, as a backed-up drain will eventually burst and create a much larger mess. 
     

  • Gas leak: Whenever you smell sulfur or the “rotten egg” odor, it is usually a gas leak. Get out of your home, turn the gas off outside by turning the valve control to a perpendicular position, and call your utility company immediately. Do not go back into the home until the leak has been checked and repaired. 

 

Keep in mind that these are temporary repairs! Neglecting to make repairs can cause extensive and costly damage to your home. The plumber's bill for a leaking water pipe is much less expensive than replacing rotting floors. Taking care of emergencies as quickly as possible protects your investment and saves money in the end. 

 

Courtesy of Chester County PA Realtor Scott Darling. 

Photo credit: fenwickhomeservices.com

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Using Your Credit Card Wisely

Friday, June 3, 2022
by Scott Darling

There are a multitude of enticements when it comes to choosing and using a credit card. Companies advertise rewards points, cashback on purchases, and airline miles, to name a few. Having a credit card can also have drawbacks if you are not responsible with that piece of plastic. Keep yourself in check with these tips: 

 

  • Add extra to your minimum payment each month if you cannot pay the entire balance off each time. Compounding interest will increase the remaining balance as well having a negative impact on your credit.  
     

  • Make payments by the due date, because late fees plus interest on the balance will max the credit card limit, and it could take decades to pay it off. Set up an auto-pay plan or mail your payment one week before the due date. 
     

  • Rewards seem like a great reward, but in the end, interest costs add up to more than any rewards points earned. 
     

  • Interest on a cash advance begins as soon as the money is in your hand. Cash advances are loans and treated as such. Beware of “convenience” checks your card company offers, as they are cash advances in disguise. 
     

  • Protect your credit rating and your wallet by staying within your credit card spending limit. Maxing out the card or over-spending just a little will cost a hefty over-balance fee, as well as affect the credit utilization ratio. 
     

  • Keep your contact information current with the company, and check all correspondence from them, whether it be via snail mail or electronic communication. You do not want to miss important announcements, fraudulent activity alerts, or changes in your minimum payment due.  
     

  • If you are paying for everyday purchases with a credit card, it is time to get your finances under control. Using your credit card at the grocery store or to pay utility bills will help in an urgent situation, but only if you can pay the full balance at the end of the month.  

 

Two more things to keep in mind when using a credit card: the balance should be less than 30% of the credit limit, and monthly payments should be manageable for you. Credit cards should not be utilized as an extension of your income, but as tools to help build credit or keep your score in good standing.  

 

Courtesy of Chester County PA Realtor Scott Darling. 

Photo credit: AAA

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House Hunting Homework

Tuesday, May 24, 2022
by Scott Darling

There is plenty to do to prepare for buying your new home, and once you’re actively touring homes or stopping into an open house, you can draw a blank when it comes time to ask specifics.  Have some questions ready to prepare yourself so you won’t forget! 

 

Open House and Walkthrough 
 

  • - How long has the house been on the market, and are there any current offers? The length of time it’s been for sale can mean savings for you, or you may not want to bother if there are already multiple offers. 
     

  • - Why is the current owner selling?  This may seem like prying, and you may not get the exact answer, but it can add flexibility to price negotiations if the owner is ready for a fast sale. 
     

  • - Ask for a seller’s disclosure before you think about making an offer. Check this list for your state’s info about what the seller must tell you before buying the house. 
     

  • - How old is the roof? An older roof that has issues can either cost in the long run, or give you a discount on the sale price if it need replacing. 
     

  • - If it isn’t obvious, ask when the house was last updated.  With people living longer, some could have lived in the same home for fifty years and done nothing else besides redecorating. 
     

  • - Condition of the home’s systems are important, so inquire about the age of the water heater, electric, plumbing, security and climate control systems.
     

  • - How is the home heated and insulated, including the attic?  You need to have a good idea of what your utilities will cost, and heating can be expensive, whether it’s propane, electric, or geothermal if the insulation needs improving. 
     

  • - Has the house been treated for pests on a regular basis?  This can keep a lot of headaches at bay in the long run. 
     

  • - What is included in the sale price, and are any warranties still active?  You don’t want to be surprised when you start moving in and find out you have to buy all new appliances. 
     

  • - You may be moving in the same general area, but a different city or county.  Property taxes vary per location, so make sure you know how much you will be paying if you eventually purchase the home. 
     

  • - If your prospective new home is in a historic district or homeowner’s association, there will be restrictions on how you renovate or build an addition, and fees for HOA.  Ask your realtor for these details. 

 

Pay Attention 
 

  • - While you’re on your walkthrough, pay attention to traffic and nearby surroundings.  Spend several minutes outside in the front and back yards and listen for any traffic noise, or a noisy possible neighbor. 
     

  • - Is your prospective new home on a busy shortcut street in the mornings and evenings?  Make time to discover for yourself and drive through on your way to or from work. 
     

  • - Look closely at fresh paint jobs for cracks or possible mold.  Sometimes, that new paint is covering up a problem. 
     

  • - Check your mobile phone for signal strength.  Different areas can be dead zones.
     

  • - Drive through the area one evening after most people are home from work.  Is there plenty of parking available? 

 

Using these opportunities to find all the information you can about a potential new home is imperative when you know you’ll be looking at many different homes on the market.  Do your homework--keep a list of questions on your mobile phone’s notepad app so you won’t forget anything, or use a clipboard if you’re looking at multiple houses, keeping this information better organized. Since buying a home will most likely be your biggest investment, you want to be certain your money will be spent wisely. 

 

Courtesy of Chester County PA Realtor Scott Darling. 

Photo credit: www.greenspringenergy.com

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Chester County PA Real Estate Market Trends for April 2022

Tuesday, May 17, 2022
by Scott Darling

Chester County PA Real Estate Market Trends for April 2022

Chester County PA single-family homes saw pending sales decrease by -26.3% in April 2022 when compared to April 2021. 537 homes sold in April with a median sales price of $450,000. The average days on the market fell by 7 days. If you are thinking about selling your home get a free instant home evaluation Learn More. 

 

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Spring Maintenance Check List for Your Home

Friday, May 13, 2022
by Scott Darling

Spring cleaning has likely already become underway in your household.  What you may not have given much thought however is spring maintenance for your home.   There are several things that folks generally check around their homes before the winter months but there are also a few things you need to check in the early spring months.  Below is a spring maintenance check list for your home. 

  

  1. Springtime means it is time to start mowing your lawn again.  If your lawn mower has been outside all winter due to lack of storage space you may need to do a bit of maintenance on it before you get it going.  Sharpening the blade is always a good idea before a new season so that you get a nice clean cut on the grass.  It’s also a good idea to check the oil on your lawn mower before beginning to use it for the warm season.  
     

  2. Spring is a great time to check your house for worn paint areas such as your shutters.  If you find worn or chipped paint on your house what better time to fix that than in the typically perfect weather of spring.   
     

  3. Be sure to check your crawl space vents for any debris that may have accumulated there over the winter months.  Also you want to keep your eye out for any animals such as snakes or rodents that may have made their home in your crawl space over the last few months.  Get rid of anything that doesn’t belong and repair anything that may be broken such as the vent covers. 
          

  1. Get your flower beds and any garden areas ready by cleaning out any debris that may have accumulated and trimming back any old growth.  It is also a good time to add mulch to your flower beds and fertilizer to your garden.  
     

The above list of spring maintenance ideas is just a start in the right direction.  There is certainly much more that you need to do in and around your house before the summer time approaches.  Once you get started with these, you will likely find and think of more things that need to be done.   

 

Courtesy of Chester County PA Realtor Scott Darling.

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How to Know When It’s Time to Sell Your Home

Thursday, May 5, 2022
by Scott Darling


You may have thought about selling your home before but you just aren’t sure now is the time.  There are a few signs that now is the correct time to sell your home and some of those signs are listed below for you so that you can be sure you’re making the right decision. 

  1.  If your home has gotten a bit too small for your growing family and you are trying daily how to figure out where to put everyone, you may need to put your house on the market.  If you are making your kids bunk together and then trying to add another baby to the mix, you may need to purchase a home that will be more able to fit your needs. 
  2. If you have changed to a job that has taken you father away from your home than you had anticipated and therefore has caused your daily commute to be longer than you like, it may be time to sell your home.   Selling your home for a job change is a big reason that many folks sell. 
  3. If your lifestyle has changed and you simply don’t have time to take care of your home anymore, you may want to sell it.  This can be caused by such things as your children moving out and you becoming empty nesters.  Many times the room you once needed becomes way too much for just you and your husband once your kids move out. 
  4. If you need a bigger home to accommodate your growing family but the thought of remodeling sends your head into a spin, you may want to go ahead and put your house on the market to see if you have any interest in it first. 
  5. If you have equity in your home and you want to take advantage of the great rates that are currently available before they disappear you may want to go ahead and put your house on the market. 
  6. If you live in a neighborhood in which a lot of houses are currently selling, you may want to put yours on the market  to see if you get any interest in it and possibly even sell it.   Now is the time that folks are many times getting full asking price for their homes so it is a buyer’s market. 

​​Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: kcmohomebuyer.com

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Home Buying Made Easy

Tuesday, April 26, 2022
by Scott Darling


If you are currently in the market for buying a house, then you are likely already aware of just how difficult it can sometimes be.  There are many stressors throughout the process that can make the home buying process seem anything but easy.  Below are a few ways that home buying can be made a bit easier if you do your part to put them into action.  

 

  1.  The first and most important thing you need to do before looking for a home to buy is to find an agent.  The reason this part is the most important is because buying a home is a huge financial obligation and you want to choose the right person to help you with such a big decision in your life.  A good way to find an excellent Realtor is to talk with your friends and family members that you trust to see whom they have used in the past.  Once they give you a few suggestions, you can meet each one and see which one best matches your personality wishes.  You will be spending quite a bit of time with this person so you want to make sure that you get along beautifully with them. 
          

  1. The next step in home buying made easy  is to find a lender.  Many times you can find out from your Realtor about what lenders they tend to use or who they think can be the best match for you and your particular situation.  If your Realtor doesn’t lead you to the best match, again you can talk to your friends and family for suggestions.   
     

  1. You then need to make sure your credit is as clean as it can possibly be.  Lenders can many times give you a bit of guidance in this area so that you can get approved for a loan.   
     

  1. It is important that you get pre approved for a loan before you go out searching for the home of your dreams.  The lender that you choose will help you to know exactly how much of a house you can comfortably afford before you get your heart set on one.  
     

  1. Lastly, figure out exactly what you are looking for in a house.  Make a list of your wants and desires in order of their importance.  This will help to guide you in your home buying adventure and will help avoid wasting precious time.  
     

These are just a few ideas on how to make the home buying process a bit easier.  Once you do your part to put all of these in motion you will be well on your way to finding the home of your dreams.   

Courtesy of Chester County PA Realtor Scott Darling.

Photo credit: Connor Homes

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Chester County PA Real Estate Market Trends for March 2022

Thursday, April 21, 2022
by Scott Darling

Chester County PA Real Estate Market Trends for March 2022

Chester County PA single-family homes saw pending sales decrease by -15.7% in March 2022 when compared to March 2021. 488 homes sold in February with a median sales price of $454,770. The average days on the market fell by 5 days. If you are thinking about selling your home get a free instant home evaluation Learn More. 

 

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