Kathy Kelley's Blog
339 Weston Rd, Wellesley, MA 02482
If you've recently sold your house or are preparing to list your residence, now may be the perfect time to cut down on clutter. That way, you can remove excess items from your home and earn extra cash before you move into a new residence.
Of course, selling excess items may prove to be difficult, particularly for those with limited time and resources at their disposal. But individuals who use the web to their advantage should have no trouble selling excess items.
What does it take to effectively promote a wide range of items online to prospective buyers? Here are three tips to help you do just that.
1. Take Excellent Photos
Regardless of whether you're looking to sell an old tennis racquet or a rarely used refrigerator, it is important to take outstanding photos of your items. This will enable potential buyers to get a look at what an item has to offer and decide if it is right for them.
Before you photograph an item, clean this item thoroughly. By doing so, you can ensure the item will look pristine before you post photographs of it online.
Furthermore, take pictures of an item from multiple angles. And be sure there is sufficient lighting when you capture photographs, as this will allow you to showcase the true beauty of any item, at any time.
2. Provide Relevant Information
When it comes to selling excess items online, it pays to be honest. If you provide accurate, relevant information about an item to prospective buyers, you can increase the likelihood of connecting with the right audience.
Also, don't forget to include an engaging headline in your item description. This will help your item listing stand out from others, thereby improving your chances of stirring up substantial interest from dozens of potential buyers.
3. Respond to Buyer Concerns and Questions Immediately
An alert online seller usually is a profitable one. As such, if a buyer has a concern or question about an item listing, it is important to respond as quickly as possible to boost your chances of getting the best possible results.
For example, if you publish an item listing on Craigslist and a potential buyer sends you an email, you should try to respond within the first few hours. This will allow you to connect with the buyer and reduce the risk that the buyer will become impatient and look elsewhere for the same item.
If you need help decluttering your house and listing excess items online, your real estate agent may be able to lend a helping hand. This housing market professional understands the complexities of selling a house and moving into a new residence. Therefore, he or she can help you find innovative ways to declutter and streamline the moving process.
Take advantage of the aforementioned pre-moving tips – you'll be happy you did. Thanks to these tips, anyone can declutter a residence, sell excess items online and earn extra cash at the same time.
339 Weston Rd, Wellesley, MA 02482
We all know that buying a home is expensive. For first-time buyers who don’t have the luxury of equity for a down payment, it can be difficult to find a way to finance your home without taking on a huge interest rate and mortgage insurance.
Fortunately, loan programs like those offered by the U.S. Veterans Affairs can be a godsend. However, there is a great deal of confusion around who is eligible for VA loans and how to acquire them.
So, in today’s post, we’re going to cover some of the frequently asked questions of VA loans. That way, you can feel confident in knowing whether or not it’s a good financing option for you and your family.
VA Loans FAQ
Who is eligible for a VA Loan?
VA loans aren’t just for veterans. Most members of the military, including Reserve and National Guard members can apply. Additionally, spouses of service members who died from a service-related disability and those who died on active duty can apply as well.
How long do you have to service to be eligible?
The VA defines eligibility as having served no less than 90 days of service during wartime and 181 days of continuous service during peacetime.
Who are VA Loans offered by?
Like any other loan, VA loans are offered by private lenders. The difference is that VA loans are guaranteed by the government. That means that the federal government takes on some of the risk of lending to you, therefore making it possible to secure a loan with little or no down payment.
Should I make a down payment on a VA loan?
If you have the means, making a down payment will almost certainly save you money in the long run. If you can put down 10% of your total mortgage amount, you can also significantly reduce the VA Funding Fee.
Will I have to pay private mortgage insurance?
Private mortgage insurance (PMI) is something that borrowers pay on top of their mortgage payments and interest. This additional insurance helps borrowers buy a home with a small down payment. VA loans allow you to secure a mortgage without PMI.
Are VA loans different for active duty, National Guard, and Army Reserve members?
Each type of service member is eligible for a VA loan. However, there are some minor differences regarding the VA Funding Fee. With no down payment, an active duty member would pay 2.15% of the loan amount in fees. National Guard and Army Reserve members pay around 2.40% with no down payment.
What does my credit score need to be to get a VA loan?
The VA doesn’t have a set minimum credit score. However, the private lenders that offer the loan do. On average, the lowest credit score that you can secure a VA loan with is around 620. That being said, a higher score will secure you a lower interest rate, saving you money over the lifetime of your loan.