The 4 Things to Expect From Your Real Estate Agent

Your agent will get homes bought or sold, but there’s so much more you should expect from a real estate professional. 

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When you’re looking to buy or sell a home, it’s important that you find the right agent to fit your needs. What should you expect from someone who represents you as a real estate agent? Here are four things that you should always be able to find in us or other agents:
1. Truth. Your agent should be honest with you about prices. When your home is being listed, we want to tell you what you can realistically expect from a sale. If you’re buying a home, we do everything we can to ensure you’re finding a correct and fair value in potential homes.

2. Timeliness. Your agent should be listening to you and be aware of your time schedule and goals. We want to make sure your needs are met within your timeframe, and a good agent will work to accomplish whatever needs your schedule requires.

3. Ease. Your agent should remove as many challenges as possible along the way. You want an agent who is proactive and is always one step ahead, keeping you aware of what has happened and what’s coming next. Your agent is your consultant and should help make the home buying or selling process a fun experience; not a stressful one.

4. The right home. As a buyer, the ultimate goal of your agent is to find you the right home. We consult with you every step of the way to make sure we know exactly what you’re looking for. We share what we’ve found with you to keep going down the right path in our searches.

"A good agent will work to accomplish whatever needs your schedule requires."

If you’re looking to buy or sell a home (and hire the right agent), feel free to reach out to us at (512) 532-5550. We’d love the opportunity to show you why our team is in the top 3% of all agents here in Austin. We look forward to hearing from you.

What Can You Do Now to Make Sure You’re Ready to Buy in 2019?

Even though we’re a few months away from the end of 2018, it’s never too early to start preparing to buy a home in 2019. Here are four great tips that will make sure you’re ready when the time comes.

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Here are four steps that you can take right now to make sure that you’re ready to buy a home in 2019: 1. Check your credit score. This will range anywhere from 300 to 850. To qualify for the absolute best mortgage rates, you should aim to have your score be 740 or higher. 2. Resist the temptation to open new credit cards or lines of credit. Even though you’re bombarded with applications to get a new card on a daily basis, not doing so will help you in the long run and make sure that you’re the most qualified candidate to get a great loan with a great rate when the time comes to buy.

"Hiring the right agent is the most important step."

3. Find out what you’ll need for a down payment. Talk with your mortgage lender and determine just how much you’ll need to buy. If you’re going to be a little short, consider asking families for monetary gifts for this purpose during the holiday season. Most of them will be so excited to get in on the process of helping you buy a home and would love to contribute to that goal in lieu of presents.

4. Hire the right agent. This is probably the most important step. When you hire the right real estate agent, they’ll be able to counsel you and take you all the way through the loan process. They can connect you with the right mortgage lender, make sure you get approved, and take you step by step through the rest of the process. That’s exactly what we do on The Smith Team.


When you work with us, you’re in good hands. We would love to help you with your home purchase in 2019. If you have any questions for us or want to learn more about what we can do for you, don’t hesitate to give us a call or send us an email today. We look forward to hearing from you soon.

Is it Time for You to Move?

If you’ve been thinking of moving but aren’t sure whether doing so is right for you, there are four key signs that may help you decide. 

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There are a variety of reasons people decide to move from one home to the next, and today we’ll be highlighting four of the signs it might be time for you to make this choice for yourself: 1. Money. On either end of the financial spectrum, money can be a key motivating factor in a move. Whether you have a lot of equity in your current property and are ready to cash that in, or your current property is a bit more expensive than you’d like, the switch to a new home could be the best next step in your life. 2. Too little space. If your family is expanding and you need more room to accommodate these life changes, it may be time to move on.

"The switch to a new home could be the best next step in your life"

3. Commute time. Driving to and from work every day can become quite a chore if your home and office aren’t nearby to one another. Sometimes, a lengthy commute can be a key sign that a move is in order. 

4. Too much space. If your children have flown the nest, downsizing may be a wise choice for your future. Moving to a new home could be just the thing to help you acclimate to your new lifestyle. 

If you have any other questions or would like more information, feel free to give us a call or send us an email. We look forward to hearing from you soon.

What The Smith Team Can Do For You

We want to be your real estate resource. Here are just some of the things we can do for you.

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When you think of the Smith Team, we definitely want you to think of us as agents who help you buy and sell real estate. However, we also want you to think of us in other ways—we want to be your real estate resource. If you have questions about a lender, call me. I’m in the business daily, and I have access to some of the best lenders available. I’d be happy to refer you. If you’re looking for an insurance agent, call me. I’d love the opportunity to get one of the many agents I know in touch with you. If you’re looking for a hairdresser—I’m not joking here—I can refer you. Just the other day, I referred mine to someone who had just moved into town.

"Our tagline is 'Smart. Service. Sold.'"

If you’re in need of a handyman or some other trade service to make a repair at your home, think of us. 

Our tagline is “Smart. Service. Sold.” We want to educate you on the Austin market and provide you the best service possible during the home buying process, and in general. We want you to be sold on us, but we also want to make sure your home is sold for as much as possible.

So, ultimately, if you’re in need of any referrals in the Austin area, please don’t hesitate to reach out to us. We’re happy to help you in any way we can. Hope to hear from you soon!

What Appraisals Mean to Both Buyers and Sellers

How can an appraisal affect the sale of your home? Let's take a look.

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What are appraisals and why are they important? Today I want to answer these questions from both the buyer's and seller's perspective. To start with, what is an appraisal? When you're looking to purchase a home with a mortgage, your mortgage company will want to make sure that the value of the home matches what you're paying for the home. An approved appraiser will come to the home and do an inspection of the place and then compare it to other properties that have sold on the market in that area. As a buyer, how does an appraisal affect you? To answer this question, consider this scenario: If you're buying a home and agreeing with the seller to pay $200,000 and an appraiser decides that the home is only worth $150,000, that's a $50,000 difference. This will make it very difficult for the bank to give you a loan for $200,000 and, as a buyer, you could be asked to pay that difference or you won't be able to get the loan.

"When you're looking to purchase a home with a mortgage, your mortgage company will want to make sure that the value of the home matches what you're paying for the home."

How does an appraisal affect you as a seller? Looking at the same scenario, that buyer may be unable to purchase your home. And, it may mean that other buyers are also unable to purchase your property, so you may need to adjust the sales price of your house entirely.

So, why is an appraisal important? From the very beginning, as a seller, you want to think about the value of your home and how you're pricing it because it could mean whether or not a potential buyer can get the loan to buy it.

If you have any questions about the appraisal process, or if you're interested in buying or selling, please feel free to reach out to me. I look forward to speaking with you soon.

How to Stand out and Win in a Multiple Offer Situation

What’s the key to standing out as a buyer in a multiple offer situation? Allow us to shed some light on this question, today.

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When the market is hot and competition between buyers is high, what is the best way to stand out from among the crowd? What’s the secret to having your offer accepted over the numerous others a seller might receive? Some buyers may speculate that it’s best to wait and see what other offers on a given home might look like before submitting their own, but this strategy doesn’t generally reap results. If you’re interested in a home, submit your highest and best offer as soon as possible. Yet, if this advice goes to all buyers, how can you make sure your “highest and best” is superior to another buyer’s? There are actually many steps you can take to set yourself apart. Offers above list price, offers with a high down payment, and offers with favorable terms will all spark a seller’s interest.

"If you’re interested in a home, submit your highest and best offer as soon as possible."

One tactic that may be less obvious, though, is to submit an offer letter. Writing the seller a letter that details why you’re interested in their home, and how living there would benefit you and your family could add the personal touch your offer needs to win. 

Of course, such tactics will be much more effective if you employ them under the guidance of an experienced, qualified real estate professional. Our team would love to help serve you on this front. We don’t like to lose and we would be happy to help you win.

If you have any other questions, would like more information, or are interested in how we can help you secure your dream home, feel free to give us a call or send us an email. We look forward to hearing from you soon.

How Home Sellers Should Handle Multiple Offer Situations

How should you deal with multiple offers as a seller? This is what we recommend.

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Today we are going to talk about multiple offer situations and how you should handle them as a home seller. A multiple offer situation simply means that your home is in demand and there is more than one person out there who seriously wants to buy it. When you have a multiple offer situation, is the highest offer always the best? Not necessarily. While you want to get the highest price possible, you want to make sure that the sale will close too. Is the buyer paying cash, or do they have a loan? Are we worried about the appraisal? When do they want to close? There are a number of different questions to consider and the highest priced offer may not always be the best.

"A cash offer is great, but it is not always the best option"

How do you select the right offer? Cash is always great because you don’t have to worry about the appraisal or a loan being underwritten. However, cash offers may not be in your best interest if the buyer is trying to lowball you. If a buyer with financing offers more money with a solid loan, that could be a better option.

A qualified professional can really help you out in a situation like this. My team and I deal with multiple offer situations all the time, and we always make sure that we are dealing with offers that are going to get your home sold. Anybody can write an offer, but it is our job to make sure that we choose the right offer with the right price and the right terms to get your home sold as quickly as possible and meet your needs.

If you’re looking to sell your home and have any questions about multiple offer situations, please feel free to give me a call or send me an email. I look forward to hearing from you soon.

What Is a Market Analysis, Anyway?

What is a market analysis and how can it help buyers and sellers?

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What is a market analysis? A market analysis is a collection of data that helps us determine how to price a seller’s home when they go to sell. For buyers, it will help us show what has sold in a home’s area in the past, allowing us to know what kind of offer they should make to the seller. These analyses are simply comparisons to all homes that are on the market, pending, and, most importantly, homes that have sold in the past 30 to 90 days in one’s immediate area.

"A market analysis allows us to see what’s going on in your neighborhood."

It’s important to know what’s happening in your neighborhood. A market analysis allows us to do just that. If you have questions about your home’s value, feel free to reach out to me. I’d be happy to give you a market analysis and educate you on what’s going on in your neighborhood.

Thank You for Supporting Us Through 14 Years in Real Estate

The Smith Team has been helping area buyers and sellers for 14 years, and so today I’d like to extend a message of gratitude.

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This July, the Smith Team is celebrating 14 years in real estate. It’s been an amazing experience to help so many people achieve their buying and selling goals, and we’ve learned a lot in the process. For that, we thank you. Our growth over this 14 years would not have been possible without your support. If we can ever be of assistance to you or someone you know, please don’t hesitate to reach out. To see my full message, watch this short video.

How to Save Money for a Down Payment

If you want to purchase your first home, you will need a down payment. Today I have a few tips to help you save enough money.

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If you are currently renting a home, you are probably paying your landlord's mortgage. If you are renting an apartment, you are most likely lining an investor’s pocket and helping them build wealth. How about you build some wealth for yourself by buying? To do this, you will have to have a down payment. Today I'd like to share a few ways you can save for a down payment. The first step to saving is to set a target goal. Meet with a mortgage lender and have a consultation. They can help you find out exactly what you will be able to afford and exactly how much you will need to save up. The second step is to assess your spending habits and find ways to save. Are there things you are spending money on each month that you could cut back on? You could allocate the money you save toward your down payment. This will help you get into your first home more quickly.

"Owning a home is a great way to pay yourself while building equity and future wealth."

Another option for saving additional funds is to get a second job. Many people today have a second job where they take the money they earn and use it toward a down payment nest egg. You could also open a high-yield savings account. Putting your down payment savings into this kind of account will help it grow more quickly thanks to the account's high interest rate. Finally, save your tax returns and apply the funds toward your down payment. Put that money all together with the other money you have saved and help grow your down payment. Owning a home is a great way to build equity and wealth for your future. If you have any other questions, would like more information, or want to know how my team can help you pursue your real estate goals, please give me a call or send me an email. I look forward to hearing from you soon.

4 Home Features That Turn Off Buyers

Buyer preferences come and go, but right now there are four home features that they definitely don’t want to see.

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Many homeowners have lived in their home for at least a decade, but buyer preferences come and go faster than that. If you’re planning on selling your home in the near future, here are some features that you should consider replacing or upgrading if your home has them:

"If your home has some of these features, don’t worry—I can help. "

1. Laminate countertops. Buyers nowadays want to walk into a kitchen and see a granite countertop or some other natural stone countertop. They’re no longer a luxury item—they’re a must- have. 2. Outdated bathrooms. Buyers want to move into a home where they don’t have to make many updates. Fixing your bathrooms and giving them fresh looks really appeals to buyers. 3. A carpeted main level. Buyers don’t like carpet on the main levels of homes anymore. They prefer either hardwood or tile because it’s easier maintenance. 4. Energy inefficiency. Buyers pay attention to whether the home they are going to live in is energy-efficient or not. They want to be comfortable in their homes and not have to pay extra on utility bills. Making your home energy efficient can go a long way in making it appeal toward buyers. If your home has some of these features, don’t worry. Just give me a call and I’d be glad to speak with you about how you can fix these items up and get the highest return on your investment when you’re ready to put your home on the market. As always, if you have any other questions or real estate needs, don’t hesitate to reach out to me. I’d love to hear from you!

3 Important Home Inspection Questions Answered

 Today I’ll tell you what home inspections are, why they’re important, and why you need to hire a good inspector if you’re buying a home. 

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What is a home inspection? Why is a home inspection important? Why is it important to hire a good inspector? Here are your answers to these questions: 1. What is a home inspection? A a home inspection is simply a process designed to verify the condition of your property. Once they’ve inspected everything, they’ll give you an itemized report of the home’s condition. 2. Why is a home inspection important? Homebuyers want to know exactly what shape a property is in before they purchase it. And while sellers will provide a disclosure concerning its condition, it’s still a good idea to have an independent third party working on your behalf so you can make an informed decision.

"It’s important to hire a good inspector who will do a thorough job and give you a full report on the house you’re buying."

3. Why is it important to hire a good inspector? A home inspection is like anything else—you want the best people working for you and representing your interests. Your inspector should be licensed, they should know what they’re doing, and they should know what they’re looking for. They should also be able to walk you through everything that’s on the report they give you. 

If you’re thinking of buying a home and you have any more questions about home inspections, give me a call or shoot me an email. My team and I would love to help you.

4 Common Housing Inventory Questions Answered

Housing inventory can be a difficult idea to grasp. Today I am answering common questions to help you understand.

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Today we're going to talk about housing inventory. You may be asking, “Why is this such an important statistic when you're looking to sell your house?” I am here to answer just that. What is housing inventory? Housing inventory is the number of homes on the market at the time you're looking to buy or sell your home. What is considered good inventory? Good inventory varies depending on if you are looking to buy or to sell. If you are looking to buy, six months’ worth of homes (or more) on the market is ideal. This means it would take six months or more to sell every home on the market at the time. When the market is shifted this way, it is called a buyer’s market, and it tends to favor the interests of buyers.

If there are fewer homes, buyers have fewer options and, therefore, they may have to pay more for your home if they want it.

If you're looking to sell, six months’ worth of homes to be on the market is the sweet spot, since this means that there are fewer homes than there are buyers.

Does the number of homes on the market affect your home’s value? Absolutely, it does.

More homes on the market means that there are more homes for buyers to choose. This can impact the value of your home, causing it to go down a little.

If there are fewer homes, buyers have fewer options and, therefore, they may have to pay more for your home if they want it.

What does the current inventory mean if you're looking to buy a new home or sell your home? This means that if there are six months’ worth or more of homes on the market, it would take six months or longer to sell every home on the market at the time that you're looking. Again, this is called a buyer’s market. The buyer is in control and could potentially pay less for a home since they have more choices. If you're a seller, then you want six months’ worth or less. This can increase the value of your home and could create a multiple offer situation, which could increase how much you net for your home.

If you have any questions about your home or the inventory available in your area, feel free to reach out to me. I would love to speak with you about the current market in Austin.

Selling Your Home While You’re Still Living in It

How do you live in your home while it’s on the market? I have a few tips that will make things easier and help sell your home quickly. 

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When you are selling your home and it’s priced correctly, agents will be knocking on your door and trying to get their buyers in to look at the home as quickly as possible. Of course, all of this is happening while you’re still living in your home. How do you handle this? How do you live there while your home is on the market? The first thing you can do to minimize the amount of time your home is on the market while you’re living there is to make sure that your home is squeaky clean at all times. We don’t live in our homes like we do when it’s on the market. Make sure your home is five-star-hotel clean. Doing so can add $5,000 to $10,000 of value to your home. Isn’t it worth it then to make sure your home is clean?

It’s important to maintain some level of privacy when your home is on the market.

Of course, you do want to maintain some level of privacy when your home is on the market. Make sure that people can’t see things like medication or fine jewelry. When people come to look at your home, they will go through your cabinets, your drawers, and your pantry. Lock up any personal items you wouldn’t want someone to see.

If you have kids, get them involved. Make sure that it’s a game for them. See who can make their bed the fastest each morning, or who can put their toys away quickest.

If you have any other questions about selling your home or would like to know what’s going on in the market, give us a call or send us an email. My team and I would be happy to help you!

5 Things to Know About Buying Inside an HOA

Every homeowner’s association is different. Here is what you should find out before you make an offer on a home that’s located within one.

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Today we’re going to be discussing five important things that you want to know when buying a home inside a homeowners association. 1. What is the cost? Location will play a key factor, and the cost can vary greatly from one HOA to another. You want to know your starting costs and your monthly costs prior to making an offer. 2. What does the HOA cover? The scope of this also varies. They might cover maintenance or insurance. You want to know exactly what you’re paying for each month. 3. What are the rules? HOAs tend to have restrictions and some are more strict than others. It’s important to know the rules, the penalties, and everything else.

The scope of what an HOA will cover can vary greatly.

4. Are you happy with the home’s exterior? You might love the inside and the floor plan, but maybe you aren’t as fond of the color of the home. If you’re buying in an HOA, many times they will dictate what color your home can be. Make sure you know about this up front.

5. Can you get involved with the HOA? Many times, the answer is yes. It’s a great way for you to know exactly what’s going on in your neighborhood.

If you have any further questions about buying a home in an HOA, give me a call or send me an email. I look forward to hearing from you soon.

Which 3 Features Will Bring in the Most Buyers?

 When listing your home on the market, you should know that there are three features 
that will attract the most buyers. 

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Selling your home can be a bit daunting. That’s why I want to make it a little simpler for you by going over the top three home features that attract buyers. 1. Curb appeal. You want to make sure when a buyer drives up that they have a good first impression. Your yard should be well-maintained, your walkways should be free of debris, and the exterior should look fresh, overall. Power washing can be a great, quick way to make a big difference. 2. Space. Most buyers are looking to buy a new home because they want more space. When you are showing your home, you should make it appear as spacious as possible. Put away personal items or anything else that could clutter up the home. Buyers should be able to see themselves living in your home.

Buyers should be able to see themselves living in your home.

3. Updates. Buyers love a modern home. Updates, especially to the kitchen and bathroom, will make buyers feel as if your property is more move-in ready.

If you have any other questions, would like more information, or would like to talk more about how we can help you sell your home, feel free to give me a call or send me an email. I look forward to hearing from you soon.

4 Tips to Make Your Next Move a Breeze

I have four tips that you can use to make your impending move much simpler.

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Sometimes, listing your home can be a daunting process. You might have been living in your home for 10 or 15 years, and now, you’re ready to make that next move. What are some simple things you can do to simplify your next move?

1. Start sorting your belongings. Put them into piles according to the things you plan to give away or discard, things you might keep, and things that you are for sure going to keep. If you start this process of purging, I promise that it will make your move so much easier.

2. Give yourself plenty of time. It can be a long process to sort through a decade’s worth of stuff. Be patient with yourself and give yourself plenty of time to do it.

Starting today just means that your home will get on the market sooner.

3. Store your belongings in clear plastic bins. When you move to your next home, you’ll want to be able to see what’s in each box. This will make unpacking easy since you’ll know exactly what’s in each bin.

4. Do it now! Starting today just means that your home will get on the market sooner, meaning that you’ll be on to your next home that much quicker.

If you have any questions or you need any help, feel free to contact us. We’re happy to help you in any way we can.

3 Things to Think About When It Comes to Insurance

Today, I have special guest Brett Dyer with me to discuss three topics about assessing your insurance needs this year.

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Today I have a special guest with me, Brett Dyer of Greenway Insurance, to talk about assessing your insurance needs for the year. Brett is actually my own personal insurance agent who we recommend here on the Smith Team.

Since we’ve had a lot of floods in the US this year, I thought it would be a good idea to cover the topic of flood insurance first. 

Especially in the wake of Hurricane Harvey, you can never be too careful when it comes to flooding, regardless of whether you’re in a flood zone or not. I recommend that all my clients purchase a flood insurance package, which comes at a state-regulated rate of $450 per year. There is a 30-day grace period from the time you pay.

I recently contacted Brett about replacement costs on my home. What exactly are replacement costs?

A lot of insurance companies are starting to veer away from insuring homes with roofs that are older than 15 years.

A replacement cost is the amount that the insurance company will reimburse you in the event that you sustain a loss. For example, if you were unfortunate enough to go through a house fire after which you were forced to rebuild some or all of your home, you would need to find a builder and a team of construction workers. Depending on the amount of damage and the type of coverage you had, you would be reimbursed some or all of the amount needed to fix it. This is why it’s so important to regularly reassess the value for which you’re insured.

Lastly, how important is the roof of a home?

It’s important to know how old the roof of a home is, so make sure that you work with an inspector to determine the exact age of your roof, because a lot of insurance companies are starting to veer away from insuring homes with roofs that are older than 15 years. If you can’t get insurance, then you can’t get a mortgage, either.

If you have any further questions about insurance, please contact me and we can get you in touch with Brett. For any questions about real estate in general, feel free to reach out to me as well. I look forward to hearing from you and helping you with your real estate needs.

5 Signs That It’s Time to Buy Your First Home

Is it time to stop paying your landlord’s mortgage and go find your first home? I have five things you should consider before you make the leap into homeownership.

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Is it time to stop renting and buy your first home? 

If you’re tired of paying your landlord’s mortgage and building their wealth, now may be the time to consider buying your first home. Before you make the jump from leasing to owning, there are a few things you should consider: 

1. Are you financially prepared to buy a home? Are you ready to make a down payment? A down payment can be anywhere from 3.5% to 20% of the sales price, or more if you want. Make sure that you have the cash you’ll need for the down payment, as well as your closing costs. 

2. Are you ready to make some compromises on where you could potentially live? You may need to compromise on location or size of the home in order to start building your wealth. Your first home may not be your absolute dream home. However, consult with a mortgage lender, hire a Realtor, and find out where those compromises can happen in order to get the best first home possible. 

Owning a home is a big responsibility.

3. Are you emotionally ready to own a home? It’s a pretty big responsibility. When you lease a home and your fridge goes out, all you have to do is call your landlord and they’ll fix it. Just think of the steps homeowners have to take. Consider what the responsibilities will be after you own the home and ask yourself if you are really ready. 

4. Will owning a home pay off in the long run? Depending on where you buy and how much you put down, you can often pay less for a monthly mortgage payment than you are paying in rent. While you’re doing that, you build wealth for yourself. Your home price may increase, causing equity to build even faster. Owning a home can be a great way to build wealth. 

5. Has your lifestyle outgrown renting? Things change. Maybe you recently got married or had a baby and it’s time to enter the world of homeownership. Maybe you need to get a bigger place, a place where you can plant your roots and build your new life.

If you are interested in buying your first home and have questions about how to start the process, just give me a call or send me an email. I would be happy to help you!

No Matter Where You're Moving, We Can Help

If you or someone you know is moving, call the Smith Team to get a great referral to an agent in the area you’re moving to.

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How can you find the best Realtor in the country, no matter where you’re moving to?

I recently moved my son to college in Omaha, Nebraska, and while I was there, it had me thinking, “Wow, what if someone I knew was moving to Nebraska? Who could I call to help that person?”

Just because you or the one you love isn’t in Austin doesn’t mean that the Smith Team can’t help.

I work with Keller Williams, the largest real estate company in North America, and because I work with them, I have a great network all over the country. For those people you love who are moving somewhere and you want to make sure they’re taken care of, call me. I’d love the opportunity to refer them to the best agent in the town where they’re moving.

This goes for you, too. If you’re moving somewhere, give me a call, and I’d love to help with that as well. Just because you or the one you love isn’t in Austin doesn’t mean that the Smith Team can’t help. Just pick up the phone or send us an email. I look forward to hearing from you soon.