Articles in Category: Newsletters

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4 Reasons to buy this Summer

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 7.1% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 4.9% over the next year.

The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Are Projected to Increase

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have remained around 4%. Most experts predict that they will begin to rise over the next 12 months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac and the National Association of Realtors are in unison, projecting that rates will increase by this time next year.

An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

3. Either Way, You are Paying a Mortgage

There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage - either yours or your landlord’s.

As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.

Are you ready to put your housing cost to work for you?

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.

But what if they weren’t? Would you wait?

Look at the actual reason you are buying and decide if it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

5 Reasons You Should Sell This Summer

1. Demand Is Strong

The latest Buyer Traffic Report from the National Association of Realtors (NAR) shows that buyer demand remains very strong throughout the vast majority of the country. These buyers are ready, willing and able to purchase… and are in the market right now! More often than not, multiple buyers are competing with each other to buy a home.

Take advantage of the buyer activity currently in the market.

2. There Is Less Competition Now

Housing inventory is currently at a 4.2-month supply, well under the 6-months needed for a normal housing market. This means, in the majority of the country, there are not enough homes for sale to satisfy the number of buyers in that market. This is good news for home prices. However, additional inventory could be coming to the market soon.

There is a pent-up desire for many homeowners to move, as they were unable to sell over the last few years because of a negative equity situation. Homeowners are now seeing a return to positive equity as real estate values have increased over the last two years. Many of these homes will be coming to the market this summer.

Also, builder's confidence in the market has hit its highest mark in over 11 years. Experts are predicting that new construction of single-family homes will ramp up this summer.

The choices buyers have will continue to increase. Don’t wait until all this other inventory of homes comes to market before you sell.

3. The Process Will Be Quicker

Fannie Mae anticipates an acceleration in home sales that will surpass 2007's pace. As the market continues to strengthen, banks will be inundated with loan inquiries causing closing-time lines to lengthen. Selling now will make the process quicker and simpler. According to Ellie Mae’s latest Origination Insights Report, the time to close a loan has dropped to a new low of 42 days, after seeing a 12-month high of 48 days in January.

4. There Will Never Be a Better Time to Move Up

If you are moving up to a larger, more expensive home, consider doing it now. Prices are projected to appreciate by 4.9% over the next year, according to CoreLogic. If you are moving to a higher-priced home, it will wind up costing you more in raw dollars (both in down payment and mortgage payment) if you wait.

You can also lock in your 30-year housing expense with an interest rate around 4% right now. Rates are projected to increase in the next 12 months.

5. It’s Time to Move on with Your Life

Look at the reason you decided to sell in the first place and determine whether it is worth waiting. Is money more important than being with family? Is money more important than your health? Is money more important than having the freedom to go on with your life the way you think you should?

Only you know the answers to the questions above. You have the power to take control of the situation by putting your home on the market. Perhaps the time has come for you and your family to move on and start living the life you desire.

That is what is truly important.

Amanda Qualls Lead Letter

Hello, and Welcome to the Jane Clark Family. We are happy to have you as a new client. We think you made a wise decision to take advantage of Jane’s 16 years of Real Estate Experience and her astute negotiating talents. You may have already researched the Jane Clark Realty Group and discovered that I am the #1 Kw McKinney Listing Agent, and, the Jane Clark Realty Group, which includes some of the best Buyer's Agents in the real estate industry, is the top producing Kw McKinney group.

Denise Milliken lead letter

Hello, and Welcome to the Jane Clark Family. We are happy to have you as a new client. We think you made a wise decision to take advantage of Jane’s 16 years of Real Estate Experience and her astute negotiating talents. You may have already researched the Jane Clark Realty Group and discovered that I am the #1 Kw McKinney Listing Agent, and, the Jane Clark Realty Group, which includes some of the best Buyer's Agents in the real estate industry, is the top producing Kw McKinney group.

Do's and Don'ts of adding Curb Appeal

Curb appeal means the aesthetic charm of a home when first seen from the road according to the Urban Dictionary. Another definition says it’s the attractiveness of the exterior of a residential property. However you define curb appeal, we all want it. You don’t need to wait until your house goes on the market to cultivate this allure either. Start making your home’s exterior and landscape enticing before the time comes to sell it.

Curb Appeal

Do the Following

  1. Spiff Up the Front Door: A fresh coat of paint in red, green, blue or whatever color gives off the same vibe as your house’s interior says this home has personality. A swag or generic wreath also ups the ante and decreases the boring look many front doors portray. Polish any metal doorknobs, knockers or bells.
  2. Manicure the Front Yard: Trim hedges, bushes and any grass that has grown over the sidewalk or paths. Fill containers with bright, colorful, blooming flowers.
  3. Add Mulch: Dress up your flower beds with beauty bark or some other protective covering.
  4. Light the Way: Visitors and prospective buyers like to see where they are going. Choose solar lamps to show how much you care about the environment.
  5. Change Numbers: Install new house numbers big enough for first responders to see easily and attractive enough to make a good first impression.
  6. Upgrade the Driveway: Redo the concrete if the old is cracked and spread a new load of gravel for a refreshed look.
  7. Buy a New Mailbox: Throw out your old mail receptacle if it’s dented, chipped or doesn’t close properly. Get one that locks so your mail and that of the next homeowner stays secure.
  8. Install Art Outside: Add what fits best into your garden design like wind chimes, birdbaths, a water feature or sculptures. Be sure these pieces are weather-resistant.

Not everything you do automatically increases curb appeal so plan your strategy to avoid making big mistakes.

Don’t Do the Following

  1. Make the Entrance Puzzling: You don’t want visitors to have to guess which door is the front one. The entrance should be obvious, warm and inviting.
  2. Plant Annuals in Front: Instead use perennials that last to power up and beautify your landscape.
  3. Follow Weird Trends: Hardscaping the entire yard, using colored mulch and trimming hedges into shapes of ex-presidents all come to mind as being turnoffs to potential buyers.
  4. Veer Away From the Neighborhood Style: You don’t want to have the home people point to and say, “what was he thinking?” Instead your house should harmonize with those around it.
  5. Plant Close to Walkways or the House: Hedges hanging over paths or walkways look unkempt. Trees that seem small when sowed into the ground can grow very large with a root system that can disturb your foundation.

Eight Great Ways to Prep Your Kitchen for Resale

It may be a seller’s market, but that shouldn’t stop you from fixing up your home before you list it. As you know, kitchens sell homes. However, what you might not know is how to create a space that seals the deal. If you update your kitchen’s finishes and stage the space properly, your home won’t be sitting on the market for long. Here are eight ways to prep your kitchen for resale.

K hardwood

1. Get the wood look. If you need to replace your flooring, consider this: Hardwood is king when it comes to resale value. It’s the floor that buyers look for when they’re house shopping, and it will instantly increase the value of your kitchen.

Does that mean you have to install hardwood for your home to sell? Not at all. Quality hardwood isn’t cheap. It normally runs at least $4 per square foot. You can opt for less expensive flooring that has the wood look, such as vinyl and porcelain tile, which can carry lower price tags. Installing vinyl is DIY-friendly, which can keep your return on investment high.

K cabinets

2. Paint your cabinets. Cabinets are one of the first things buyers will notice about your kitchen. If your cabinets aren’t in tiptop shape, a new paint might be the best and most economical way to give them a modern makeover since new cabinets can easily cost more than $10,000.

A do-it-yourself paint job can cost less than $100 (plus hours of tutorials). If you don’t think you can pull it off, hire a professional. Expect to pay a pro anywhere from several hundred dollars to $2,000.

White is both a popular and timeless choice that will have broad appeal to home buyers. It also keeps your space light and open. Avoid colorful or dark tones and stick to a neutral palette.

3. Replace your cabinet hardware and faucet. These are minor upgrades that can boost your kitchen’s curb appeal for less than $1,000. The type of finish you choose ultimately depends on your kitchen’s style. Oil-rubbed bronze will do the trick, though stainless steel and chrome are more trendy choices.

If you don’t currently have cabinet hardware, consider investing in a style that suits your kitchen. It can give your cabinets an entirely new look and feel. It’s an additional cost but is more affordable than replacing your cabinets.

K ganite

4. Go granite or solid surface. Here’s the deal: Buyers expect a durable, solid-surface worktop like granite. It’s already as standard a finish as stainless steel. If you have dated laminate countertops, now is the time to upgrade.

There are many options available for countertops. Granite and quartz are two popular choices. Quartz countertops are a hot commodity right now and will certainly help sell your home. Some may even argue that quartz is the new standard instead of granite.

So what will it cost? An entry-level granite costs around $45 to $55 per square foot installed. Quartz normally runs $65 to $85 per square foot installed. While that isn’t chump change, it’s a small price to pay for a sold home.

K backsplash

5. Install a designer backsplash. If you haven’t replaced your backsplash in more than a decade, chances are it’s too dated. A flashy glass mosaic or a creative blend of glass and tile can leave an impression on home buyers. Don’t forget about quality stone like marble and travertine either.

Glass mosaics usually cost anywhere from $10 to $60 per square foot. Stay on the lower end of that spectrum to maximize your return on investment.

K paint

6. Paint the walls. A new paint job is usually one of the first expenses that homeowners pencil in when they’re preparing to list their home, and for good reason. Your kitchen walls have to look presentable. Patch up areas that need TLC or select an entirely new color.

When you’re deciding on a new color, the lighter, the better. Remember, you want your kitchen to feel as open and expansive as possible. Grays are certainly en vogue, but off-whites, creams, beiges and tans have broad appeal too. Choose a softer tone to offset dark cabinetry and furniture.

K lighting

7. Boost and update the lighting. Lighting is a key feature in creating an open and inviting space that buyers will love. Swap out any dim or broken bulbs for new ones. If you have pendant lights or lamps, make sure they’re still in style. If not, invest in modern lighting fixtures that will have appeal in today’s housing market.

Adding undercabinet lighting is another quick fix you can make to improve your kitchen’s lighting. It’s relatively inexpensive and will brighten up your counter space.

K staging

8. Stage it well. You can upgrade or improve every finish in your kitchen, but it won’t mean a thing if potential buyers can’t envision the space as their own. It’s also important to keep your kitchen as clean as possible while you’re showing it.

Here are a few tips for proper staging:

  • Declutter. Clearing your counters is an absolute must, but don’t stop there. Get rid of the items you no longer use. Clean out and organize your pantry and cupboards — buyers will likely take a peek. Scrub down places you haven’t seen or touched in years.
  • Make it flow. Tables, chairs and decor should feel natural and open, not cramped and closed. Consult with a real estate agent or interior designer if you need help reimagining your layout to improve your kitchen’s flow.
  • Use fruits and fresh flowers as decorations. They’re inexpensive props that add color to your kitchen. Plus, they breathe life into the space and make it feel lived

highland springs 1

Thank you so much for being a part of my Highland Springs Senior Lifestyle seminar. It was a pleasure meeting you and sharing experiences and information together.

Kim Himes Lead Letter

Hello, and Welcome to the Jane Clark Family. We are happy to have you as a new client. We think you made a wise decision to take advantage of Jane’s 16 years of Real Estate Experience and her astute negotiating talents. You may have already researched the Jane Clark Realty Group and discovered that I am the #1 Kw McKinney Listing Agent, and, the Jane Clark Realty Group, which includes some of the best Buyer's Agents in the real estate industry, is the top producing Kw McKinney group.

Meet Denise Milliken

Denise Milliken 300

 Denise is a buyer’s agent for the Jane Clark Realty team.  She is a member of the National Association of Realtors, The Texas Association of Realtors and the Collin County Association of Realtors.  She is best known for outstanding client service, 24/7 availability, with an above and beyond attitude every day.  Always, striving to make the whole buying experience an enjoyable one.  She strongly believes it is her duty to represent her client’s best interest, while keeping them informed every step of the way.   It is a personal goal of Denise’s to make every client she works with a client for life.   She thanks her loyal clientele, personal referrals and repeat business for helping her attain the professional successes she has today.

Denise grew up in a military family moving every 3 years, which ended up taking her all over the world.   Her vast travels explain why she has never met a stranger.   Denise always says her biggest blessing is being a mom to 3 beautifully talented teenagers.  She is passionate about giving back in the communities she serves and loves doing so with her kids.   Currently she works closely with the Young Men’s Service League, where she volunteers alongside her 2 sons.   As well as the National Charity League, where she works closely with her daughter.

 Denise’s mantra can be summed up by a great Zig Ziglar quote:  Life is an echo.  What you send out comes back.  What you sow, you reap.  What you give, you get.   What you see in others, exists in you.   It is with great honor that she may be able to serve you with any of your real estate needs.   Please, don’t ever hesitate to reach out and give Denise a call.

 

Contact Denise

  • Office: 972-562-8883
  • Mobile: 214-499-2631
  • This email address is being protected from spambots. You need JavaScript enabled to view it.

Newsletter 01

Jane's January Home Check List


With the start of a new year, it's always a good idea to assess your home and its needs. Taking stock of appliances, home systems, and other items that make a house a home will help guide you to home improvements needed, appliances that may be near the end of their lives, and any other updates that can help to boost your home's worth. Listed below are major home systems to evaluate in the new year to help give you peace of mind.

Shelby Graham lead letter

Hello, and Welcome to the Jane Clark Family. We are happy to have you as a new client. We think you made a wise decision to take advantage of Jane’s 16 years of Real Estate Experience and her astute negotiating talents. You may have already researched the Jane Clark Realty Group and discovered that I am the #1 Kw McKinney Listing Agent, and, the Jane Clark Realty Group, which includes some of the best Buyer's Agents in the real estate industry, is the top producing Kw McKinney group.

Should we buy a home this fall?

It’s that time of year; the seasons are changing and with them come thoughts of the upcoming holidays, family get-togethers, and planning for a new year. Those who are on the fence about whether or not now is the right time to buy don’t have to look much further to find four great reasons to consider buying a home now, instead of waiting.

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.4% over the next year. The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report projects home values to appreciate by more than 3.5% a year for the next 5 years. The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Remain at Historic Lows

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have remained at or below 3.5% for 13 consecutive weeks. The Mortgage Bankers Association, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by this time next year. Any increase in rates will impact YOUR monthly mortgage payment. A year from now, the percentage of your income that you spend on housing will increase substantially if you choose to wait.

3. Either Way You Are Paying a Mortgage

Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage - either your mortgage or your landlord’s. As a paper from the Joint Center for Housing Studies at Harvard University explains: “Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise. But what if they weren’t? Would you wait? Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy. If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

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