Real Estate Information Archive

When buying a home, a down payment is required by any bank or mortgage company. This down payment amount may vary depending on factors such as being a first responder or a first-time homebuyer.

Saving for a home down payment requires a detailed and actionable plan. It is recommended to consult with a mortgage broker or banker to understand available options and identify areas of improvement, such as reducing debt and improving credit score.

Here are some more tips to help you save effectively over the next five years:

1. Set a specific savings goal: To determine the amount needed for a down payment, it is important to break it down into monthly or yearly targets. This will provide a clear idea of the specific amount that needs to be saved each month.
2. Create a budget: Take a closer look at your income and expenses to find areas where you can cut back. Track your spending, prioritize essential expenses, and say goodbye to unnecessary or excessive costs.
3. Automate your savings: Take control of your savings goals with an automatic transfer from your checking account to a dedicated savings account. By setting up this simple system, you'll ensure that a portion of your income is saved before you have the chance to spend it. Don't let your hard-earned money slip through your fingers.
4. Reduce debt: Take control of your financial future by tackling high-interest debt head-on. Whether it's credit card balances or personal loans, paying off these debts will not only free up more of your hard-earned income for saving, but also improve your credit score. And a better credit score means a better chance of securing a favorable mortgage rate.
5. Increase your income: Whether it's taking on part-time gigs, diving into freelance projects, or starting your own side business, there are endless ways to earn extra money. And the best part? You can channel these additional earnings straight into your down payment savings, bringing you closer to your dream home with every dollar you make.
6. Cut back on expenses: Take a closer look at your monthly expenses and find opportunities to trim costs. Think about scaling back on discretionary spending for entertainment, dining out, subscriptions, or shopping. By doing so, you can free up more funds to contribute to your down payment fund.
7. Save windfalls and bonuses: When unexpected money comes your way - whether it's a tax refund, a bonus, or a generous gift - don't let it slip through your fingers. Instead, consider putting a significant portion of it into your down payment savings.
8. Housing assistance: There are a variety of local, state, and federal programs available to help you reach your goal of homeownership more quickly. Take advantage of these programs today and make your dream of owning a home a reality.
9. Invest strategically: If you have a longer time horizon, it's a great opportunity to explore low-risk investment options such as bonds or index funds. These options can help you grow your savings while minimizing potential risks.
10. Monitor your progress: Regularly monitoring your savings growth is essential to financial success. By assessing your progress, you can make any necessary adjustments to your strategy. Remember to celebrate milestones along the way to keep yourself motivated. Even if you've cut back on eating out, treat yourself and your spouse to a nice dinner to celebrate reaching a savings goal of $20,000.00. Discipline deserves reward!

Saving for a down payment requires time and discipline. It's not easy, but if you want it bad enough, you have to stick to your goals and plans with unwavering determination. The good news is that the payoff can be tremendous. By following these tips and staying committed, you'll be on track to achieve homeownership in no time. Start saving today and make your dream a reality!

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Summer is in full swing in Omaha and so are the summer events that will keep you and your family entertained. Here are a few events coming up this week that are perfect for all ages.

Omaha Jazz Experience

Sat, Jul 22, 4 – 10 PM
Stinson Park
2285 S 67th St, Omaha, NE

If you love Jazz, then get ready for an amazing experience this weekend with an evening of smooth jazz with Grammy-winning saxophonist Najee at the Omaha Jazz Experience!

There's no better way to spend an evening out with your special someone or good friends in an intimate setting. Make sure to get your tickets now before they sell out!

Omaha Water Lantern Festival 2023

Sat, Jul 22, 6 – 10 PM
Gene Leahy Mall at The RiverFront
1001 Douglas St, Omaha, NE

The beauty and serenity of the Omaha Water Lantern Festival is sure to bring your family lasting memories this weekend. This is a peaceful event that will bring together people from all over the Omaha area and is a great way to make new friends.

Ribstock & Lager Fest

Sat, Jul 22, 4 – 11 PM
Venues at The Granary
5500 Granary Plaza Suite 101, Ralston, NE

What's better than BBQ ribs? When you add a Lager Fest! The second annual Lager Fest is being held along with the 10th annual Ribstock BBQ Festival at Venues at the Granary. Stay after to enjoy the BBQ Vendors and live music at Ribstock on the Green!

The Omaha Farmers Market

Sat, Jul 22, 8:00 AM – 12:30 PM 
The Old Market, Omaha, NE

It's the Omaha Farmers Market's 30th anniversary! Come every Saturday in the Old Market for an amazing selection of farm-fresh, local produce and other goodies. Open rain or shine from from 8am-12:30pm, till October 14. Follow “OmahaFarmers Market” on Facebook and Instagram for the whole scoop about this year’s season!

AMC Summer Movie Camp for Kids

Sat, Jul 22 – Wed, Jul 26
AMC CLASSIC Westroads 14
10000 California St, Omaha, NE

If you want to get out of the heat and keep the kids entertained for a low price, then look no further than AMC Summer Movie Camp, sponsored by the upcoming animated features, RUBY GILLMAN, TEENAGE KRAKEN and TROLLS BAND TOGETHER.

Beginning May 27th, AMC Theatres is inviting moviegoers to beat the heat with a series of family-friendly classics returning to the silver screen, with ticket prices as low as $3 on Wednesdays and $5 on Saturdays. See the movies you and your whole family can enjoy throughout the summer months.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Is the garage in your Omaha home starting to get out of control again? Or maybe it's always been a mess? Whether you plan to sell your home in Omaha soon, or you just need a bit more order in you life, organizing your garage can have many benefits.

Here are 5 easy steps to get the job done quickly and painlessly so you can enjoy your garage once again.

1. Plan of Attack

Don't enter alone. And use the buddy system, if for no other reason than you may get overwhelmed and lost in your own sea of debris. Friends, family, and the kids can all lend a hand to get the job done quicker and to help keep you on track. It's easy to get distracted rooting through the objects of your past.

The first goal of any garage organization is to create more floor space, so that's where you should begin as well. Get all the knick-knacks, the holiday decorations, and any other indoor-related storage out of there and into the attic. This area is for outdoor items only. Always keep this objective in mind: it will help you decide what stays and what goes.

2. Divide and Conquer

Give each helper a section to cover. This should help the garage organization run smoother. And don't be clingy. If you haven't used something in over a year, or if you forgot it even existed, it's time to say goodbye. Give your stuff to charities, thrift stores, or maybe even make a trip to the dump. Or, better yet, make a separate pile for a future garage sale, allowing you to reap all the awards of your excavation. (However, don't procrastinate on this chore either. It's easy to say you'll have a garage sale and not follow through so as to keep putting off the inevitable.) Then, divide up the remaining possessions into categories, such as sports items, seasonal décor, gardening tools, car maintenance, etc., to help with the next step.

3. Get Vertical

Once everything is cleaned and categorized, now it's time to rearrange. The best way to store your things is to make use of your vertical space.

• Get a pegboard for your tools.
• Put up some shelves for boxes.
• Heavy-duty hooks are great for shovels and rakes.
• Buy a magnetic strip for stray metal items, such as steel rulers or chisels.
• If you have bikes, skis, or ladders, put them overhead in the rafters (or if you have a drywall ceiling, once again, heavy-duty hooks are great for hanging these heavy-duty items).

4. Compartmentalize

Once you have as much as you can off the floor, it's now time to find additional storage. The easiest answer to this dilemma is a garage organizer.

• A multiple tier shelving unit is great for storing paint or varnishes.
• A cabinetry system for miscellaneous items is always handy.
• Maybe buy several Rubbermaid baskets to hang on the wall to help separate the recycling.
• Buy a crank to roll up that hose.
• Use garbage ties or bungee cords to keep your extension cords in line.
• Whatever the need, investing in some form of garage organizer helps to maintain the floor space you've just created.

5. Don't forget the little things

If you save glass baby-food jars, clear film canisters, or milk cartons (to be cut in half), you'll now be able to store smaller items, such as nails, screws, or tacks. If these small containers aren't see through, they can also be easily labeled with masking tape. Another alternative garage organizer is an inexpensive tackle box to help contain the confusion. But what if it's your bigger items that are getting in the way? What if it's the necessary tools, such as snow blowers, lawn mowers, or edgers creating the clutter? Then consider building an extra shed in the backyard or a lean-to against the outside of the garage in order to produce additional square footage.

Don’t Let It Happen Again

The main thing to keep in mind is never let it get to this point again. If you take these steps, you should be able to keep up with your garage organization in the future. This is not to say that you won't have some occasional maintenance, as in some sweeping, scrubbing, or washing. But by simply taking the time to arrange the space, at least you'll no longer dread entering into it.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

When selling a home, some small inconveniences can occur, but being prepared for them & working closely with your real estate agent, can limit the irritation. While we do our best to help the process go smoothly, there will inevitably be things that may be annoying. The fact remains that you'll be dealing with different buyer types when selling, and personality types do vary. 

It's good to know what to expect from buyers in advance to keep focused on the goal and not let the inconveniences and annoyances delay the process. Here are a few of the things to expect.

Last Minute Showings

Not everyone is organized with their time, and will sometimes request last-minute showings as they fit their schedules.  

While we do our best to get buyers to schedule at least a few days in advance, last-minute showing requests can & do come up. While this may seem like a major inconvenience to you, remember that this could be the buyer making an incredible offer on your home. A missed showing is a missed opportunity, so try to be open to any showings, even if it means juggling your schedules.  

Buyer Not Arriving for Showings

You work hard to accommodate showing times by coordinating schedules and ensuring your home is in tip-top shape and ready to make an incredible impression, only to find out the buyers will not be coming. Yes, this can be frustrating. However, things can come up on the buyer's end that were inevitable and caused the cancelation. Don't automatically assume it is an inconsiderate buyer.  Instead, work with your agent & buyers agent to reschedule at a better time for both of you. The situation can still be turned around to be profitable for both of you. 

Lights left on or doors unlocked

Sometimes a buyer's agent will leave the lights on or a door unlocked when showing your home. While this is very rare, especially a door unlocked as secure lockboxes are normally used, it could happen.

As real estate agents, showing instructions are included for buyers agents that convey exactly what is to be done during a showing, including the smallest of details. If those details are not followed, simply talk with your real estate agent and the situation will be remedied immediately.

Selling your home may come with some annoyances or inconveniences, but if you keep your eyes on your ultimate goal, and work hand in hand with your real estate team, the process flows much smoother. Communication is key, and your TEAM is always by your side. 

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!