Cindy Gleichauf - RE/MAX Real Estate Center



Posted by Cindy Gleichauf on 2/18/2018

Moving is a big adjustment for any of us, yet it can be hardest on the children in our lives. Moving can mean a new school for your kids and a whole lot of unfamiliar faces. There are a few ways that you can help kids adjust to the change of moving to a new place and help them to feel at home faster. 


Let Them Be Involved With The New House


As a child, it can seem like moving into a new house is all about adults. Kids may feel that they’re merely along for the ride. You can let the kids pick out some things in the house. What color should their room be? Can the kids give some input on a new piece of furniture? Make moving a family affair and allow everyone in the family to feel included to make the transition smoother. 


Get Enrolled In Local Activities


See what types of local activities are available for the kids (and you) to be enrolled in. From tennis lessons to summer camp to after school activities, there’s plenty of things in a community that you and your family can get involved in. If you can find an activity to participate in with your kids, it will only make it easier for them to feel comfortable meeting other kids. You can also get acquainted with other adults to get some more information and insight about your new community. Making new friends and doing something they love will help your kids to feel right at home. The kids will feel more comfortable i their new school as well if they get involved.  



Help Kids Stay In Touch With Old Friends


Moving isn’t all about making new friends. Kids can still keep in touch with their old friends. If you didn’t move very far away, schedule dates for your kids to meet up with their old friends. If you have moved across states, encourage your kids to keep in touch with old friends through phone calls and video chat meetings. They’ll know that someday, they’ll see each other in person again. These actions can help in the transition of moving as well, since kids will see that their old lives have not been completely lost and forgotten about.


Stroll Around The Neighborhood As A Family


One great way to get adjusted to a new neighborhood is to explore it by foot. Make it a point to take an evening stroll as a family. The kids can learn a bit more about the area and begin to feel more comfortable in their surroundings with your help. You’ll also make discoveries about your new surroundings as a family.




Tags: Buying a home   moving tips   kids  
Categories: Uncategorized  


Posted by Cindy Gleichauf on 2/11/2018

For homebuyers, finding a dream home may require many days, weeks or months. However, when the big day finally arrives, you'll want to submit the right offer to ensure you can secure your ideal residence quickly.

Unfortunately, making the right offer on a home can be tricky. If you submit a proposal that is far below a home seller's expectations, you risk missing out on your dream home entirely. Or, if you submit an offer that is above your comfort level, you may wind up paying more for a house that it is actually worth.

So what does it take to make the right offer on a home? Here are three tips that every homebuyer needs to know to ensure he or she can submit the perfect offer on a residence.

1. Use Housing Market Data to Your Advantage

The internet is a powerful tool, particularly for homebuyers. And if you search for housing market data, you should have no trouble finding the information that you need to submit an offer that matches your budget and satisfies a home seller's expectations.

For example, a homebuyer who finds a two-bedroom home that he or she would like to buy should consider the prices of comparable houses in the area. Also, be sure to look at what other homes in the same neighborhood may be worth and tailor your offer accordingly.

A wealth of real estate market data is readily available across the web, and homebuyers who use this information to their advantage can submit a reasonable offer on a house at any time.

2. Get Pre-Approved for a Mortgage

Although you may submit the best offer for a home, there is no guarantee that a home seller will accept your proposal if you lack the necessary financing. On the other hand, a homebuyer who receives pre-approval for a mortgage may be able to stand out to home sellers, and for good reason.

With pre-approval for a mortgage, you may be able to move through the homebuying process faster than other potential homebuyers. Thus, a home seller may choose your offer over others, as he or she will be able to minimize the risk that a deal could fall through due to a homebuyer's lack of financing.

3. Work with a Real Estate Agent

A real estate agent understands the ins and outs of both seller's and buyer's markets. Therefore, this real estate professional will offer tips and insights to ensure you can submit a fair offer on a residence.

Remember, your real estate agent is happy to help you in any way possible. And with this professional at your side, you can gain insights into the home seller's perspective. Plus, your real estate agent will be able to negotiate on your behalf to help reduce the risk of overspending for a house.

Find a real estate agent who boasts years of industry experience, and you can reap the benefits of unparalleled support throughout the homebuying journey.




Categories: Uncategorized  


Posted by Cindy Gleichauf on 11/26/2017

As the workforce changes and a growing number of companies seek out contractors and freelancers, many Americans find themselves in a gray area when it comes to their income. They may put in full-time hours, but on their taxes they work for themselves.

Mortgage lenders are cautious about who they lend to. They want to make sure you are a low-risk investment who has reliable, predictable income to ensure that they’ll earn money off of your loan.

This can sometimes make it difficult for freelancers, contract workers, or the self-employed. Not only might your taxes be unconventional, but your income could vary depending on the time of the year and the amount of business you receive.

It’s easy to see why many people would be anxious about applying for a mortgage under these circumstances. However, if you’re self-employed, there’s no need to worry. You can still get approved for a mortgage at a fair interest rate--you just need to do a bit of work to provide the right documents to your lender.

In this article, we’ll show you what documents and proof of income you’ll likely need and how to present it to a lender to make the process run as smoothly as possible to get you approved for your mortgage. Here’s what you need to do.

Organize your records

Before applying for a mortgage, it’s a good idea to take a look at your record-keeping process. As a self-employed worker, you’re probably already used to tracking your own income. However, this will help the lender analyze your income easier and move the process along more quickly.

Having a master spreadsheet of your dated invoices, paid amounts, and the names of your clients is a good place to start. You’ll also want detailed, easy to read information for your previous employers, landlords, references, and any other information you think will be pertinent.

Next, gather your tax documents for the last three to five years. As a self-employed worker, you likely file a Schedule C (Form 1040) and a Schedule SE. Make sure you have copies of these forms.

Dealing with deductions

Many self-employed workers write off business expenses in their tax returns. Travel expenses, internet, and other costs associated with doing business are all ways to save by reducing your taxable income. Doing so can save you money, but it can also reduce your net income which is what lenders will see when you provide them with your information.

If you’re hoping to get approved for a bigger loan, one solution is to plan your taxes in the year prior to applying for a mortgage. Make fewer deductions than you normally would to increase your net income.

Be ready to clarify

When a mortgage lender is reviewing your information, make sure you are open and available to provide any information that can be helpful to them in considering your application. Being prompt and accurate with your responses will signal to your lender that you are willing to work with them.





Posted by Cindy Gleichauf on 11/12/2017

Getting ready to buy a new home? You'll want to hire a real estate agent to guide you along the homebuying journey, as this professional will possess the skills and know-how needed to ensure you can find your dream home quickly. There are many great reasons for homebuyers to work with a real estate agent, including: 1. You Can Check Out a Wide Range of Homes That Fit Your Needs. Whether you're looking for a three-bedroom, two-bathroom home in the city or a small residence on the outskirts of town, a real estate agent can arrange home showings to ensure you can check out a variety of houses that fit your needs. Remember, a real estate agent works for you and will do everything he or she can to help you find your ideal residence. This professional will conduct research into homes that meet your criteria and even work with a home seller's real estate agent to make sure you can view a house at your convenience. 2. You Can Receive Expert Support During the Negotiation Stage. No homebuyer wants to enter the negotiation stage alone. Fortunately, a real estate agent will help you manage negotiations. Negotiations with a home seller can become contentious if you're not careful, but your real estate agent will go above and beyond the call of duty to help you get your dream house at the right price, regardless of the circumstances. 3. You Can Get Extra Help with a Home Inspection. Completing a home inspection is paramount before you finalize a purchase agreement with a home seller. And with a trusted real estate agent at your side, you should have no trouble finding a reliable home inspector who will be able to identify potential issues with a house before you buy it. Your real estate agent also can help you minimize stress if a home inspector encounters problems with a house. For example, your real estate agent will speak with a home seller to ensure any home repairs are completed before you finalize your purchase agreement. Thus, you'll be able to buy a home that you can enjoy for years to come thanks in part to the support provided by your real estate agent. 4. You Can Enjoy a Simple Closing Process. The closing process often represents the final step before you can move into your new home. Therefore, it is crucial to understand the paperwork that is included as part of this process and ensure you are comfortable with each form you sign. Your real estate agent, meanwhile, will be with you during the closing process and can explain the importance of each form. Furthermore, your real estate agent will be happy to respond to any concerns or queries and help you feel comfortable throughout the closing process. Ultimately, your real estate agent may play a key role in your ability to find the perfect house. As a result, be sure to spend some time interviewing prospective real estate agents in your area to find a real estate professional that you can collaborate with during each stage of the homebuying journey.





Posted by Cindy Gleichauf on 9/24/2017

A house is about a lot more than a physical structure. Outdoor property, including landscaping, clearly defined property boundaries and ample room for children and pets to play, are key too. Additionally, if you've ever lived in a neighborhood with just one litigious, rude or noisy resident, you know how the people you live near can turn a house buying decision into a smart move or a painful regret.

3 city offerings that may top good neighbors

The fact that neighbors can influence an entire house buying decision puts good neighbors at the top of the list of the things that make an area a great place to live. But, as influential as they are, neighbors generally don't have a city-wide focus. You can actually getaway from bad neighbors simply by traveling across town to a relative's or friend's house.

What you can't get away from after you buy a house are the secondary education options,property tax rates, natural views, land space between neighboring houses, apartments and condos and traffic jams. You also can't gain instant access to higher wages, better job opportunities, local professional sports or live entertainment.

It's these advantages that many homeowners want. Not every city provides these benefits. Although there are more than a handful of takeaways that homeowners want from the city that they buy a house in, there are three top things that make a city a great place to live. Some house shoppers won't even consider moving to an area without these three things:

Growing business environment - Even if homeowners are currently employed with an employer who has a solid performance record, they appreciate knowing that there are a host of job options moments from where they live. It helps to keep wages and job title opportunities competitive.

Entertainment- Live and non-live entertainment options like dining, stage plays, sports and arts help to attract home buyers.

Property taxes - Before house shoppers sign a mortgage, they may want to know that they won't get hit with high or frequently rising property taxes.

Go getters want more than minimal housing and community offerings

City officials play an integral role in helping to determine whether upwardly mobile adults are willing to move to an area. Adults with clear life goals, ambition, inner vision and courage may want more than a place to park their vehicle, sleep, eat and relax in.

These go-getters want to live in a city that's thriving. They want a broad range of entertainment, fitness, dining, education and social options. Go-getters also appreciate living near other like-minded people. Attracting these upwardly mobile adults to an area requires forethought.

It also requires planning. City officials must take a pulse on their residents and discover what residents appreciate most about their jurisdictions. Identifying gaps is another priority. For example, city officials should know if residents find area traffic, public transportation, property taxes or public education weak or lacking.

As city officials take these items seriously and build teams to make necessary improvements, they might experience an uptick in the numbers of businesses and house buyers moving to their cities. They also might experience economic improvements. The bottom line is that doing what it takes to attract and keep forward thinking house buyers is good for entire communities.







Cindy Gleichauf