Friday, February 21, 2014

Beer in Asheville

A Growing Number of Breweries!!

As the craft-brewing mecca of the Southeast, the Asheville area features at least 13 breweries!!  
That is more breweries per capita than any other city in the U.S. 
Guess that's why we rank at the top every year in the 

From Porters, Ambers, IPAs, Ales 
to Stouts, Saisons, Tripels, Lagers and Pilsners…
there is plenty to choose from!

Click below to visit (virtually) any of the fine breweries listed:


















And if you need someone to go have a beer with, 
give us a call!!!


 

 

 

Friday, February 7, 2014

The Worst Things You Can Do Before Buying A Home

If you are in the market for a new home, and you anticipate the need for a mortgage, then here are a few things to avoid:

  • DON'T GO CREDIT CRAZY: Lenders will look at your credit when you apply for a loan AND again just before you close on your new home. Avoid financing any new purchases during this time (ie: new car, new refrigerator, new anything) as it can change your debt-to-income ratio and stop your ability to get a mortgage!
  • DON'T SHUFFLE YOUR MONEY AROUND: Lenders look very closely at your bank statements and know exactly how you are funding this transaction. The money you are using to make this purchase is best if it has been in your account for at least 60 days. If you deposit or move around money, you will have to explain and document these transactions.
  • DON'T CO-SIGN ON ANOTHER LOAN: Co-signing on another person's loan makes you fully responsible for that money. This can kill your debt-to-income ratio and thus kill your ability to get a mortgage.
  •  DON'T CHANGE YOUR EMPLOYMENT STATUS: A job loss will surely kill a mortgage! Stability and continuity is very important when a lender is looking over your employment. Even changing employment to a higher-paid job could impede mortgage approval.
The best way to stay on top of all the requirements of a mortgage is to stay in communication with your lender before and during any financial decisions. Ask as many questions as you have and listen to any advise given. Remember, it is the lender's job to guide you through the process and on to a successful closing!!


If you have any questions, please feel free to contact one of our preferred lenders,
David Kanis of Fairway Independent Mortgage.
(828) 210-8773 or davidk@fairwaymc.com 










 

Wednesday, February 5, 2014

Short Sale Negotiations


Short Sale Negotiations...Easy as Piloting a Space Ship


Listing agents, don't rely on the seller or the servicer to winterize your vacant listing.

Even though the seller signs documents that they will maintain the home during the short sale process most sellers haven't the time or inclination to care for a home that will not benefit them financially.

Keep the utilities on, keep the heat on, shut off the water and drain the pipes. Check the home weekly at minimum to insure that no vandals or leaks have befallen your listing.

Saturday, February 1, 2014

Dwell Asheville's Newest Member

Terri Balog

Certified Short Sale Seller's Agent


Coming from a background in Human Resources and sales, 
I am inspired to apply my creativity, knowledge and passion for real estate 
and helping others by offering the most professional and comprehensive 
real estate services.

My goal is to assist you in achieving the greatest success and outcome possible 
when buying and selling your home! 
I will help you to manifest your dream home and/or ideal buyer 
by working together with you as a team.

I, along with my team at The Dwell Realty Group,
 can offer you a variety of professional real estate services 
including relocation, buyers/sellers, and short sales.

If you are a homeowner in distress 
and looking for an alternative to foreclosure, 
call me! 
There are other alternatives out there . . . 
as a Certified Short Sale Seller’s agent, I can help!