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Things to Know About Purchasing a Foreclosure

Wednesday, November 13, 2024
by Tucker Robbins

Many people turn to the “Foreclosures” section of online house hunts or newspaper ads. Sure, the price is a bargain, but there is normally a different process when purchasing a home that is in foreclosure. Consider these tips before heading to the auction or making an offer:

  • If the property is on the auction block, the bidder will likely need the full purchase amount in cash. The lender is looking to recoup as much from the defaulted loan as possible, which does not allow time for the financing process.
     
  • Most foreclosures have been unoccupied and will be affected by that. The new owner will need to be ready to put in some work and cash to bring it up to code/living conditions.
     
  • Some states allow redemption to the homeowner, and HUD defines this as “...a period after [the] home has already been sold at a foreclosure sale when [a homeowner] can still reclaim [their] home.”
     
  • Because a foreclosed property is sold “as is,” the buyer will not receive any disclosures, meaning, a home inspection is a must!  Depending on who owns the property will make a difference in how much time the buyer has to complete the inspection. 
     
  • On the other hand, if the property is REO (real estate owned), the buyer will be able to go through the home-buying process in the usual way and have time to secure financing for the purchase.
     
  • An REO will be sold as-is just like an auctioned property, and all repairs will have to be done by the new owner--there are no repair requests or contingencies granted.
     
  • For buyers who are new to the foreclosure-purchase game, going through a bank to buy the property is their best bet versus bidding at an auction.
     
  • For distressed properties, it is recommended that the interested party have a title search performed. Buying a foreclosure takes long enough, and this will help remove any roadblocks.

For foreclosure-hunting convenience, realtor.com® has a search page specifically for foreclosures! Municipality offices also publish notices on tax foreclosures, and if the funding is available, pre-foreclosures and short sales are other great property bargains. Remember to contact a Realtor® that is experienced in distressed sales. Their knowledge and expertise can make a drawn-out process go smoothly!

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Getting Ready for Houseguest Season

Wednesday, November 6, 2024
by Tucker Robbins


Thinking ahead to the holidays and having guests over...  if it’s been a while since you’ve been in the guest room except to create a pile of things that should be stored somewhere else, it’s time to get in there and make it ready for anyone who may be coming to visit.  

 

The Guest Room 

  • - Tackle the cleaning of the guest room first.  Anything that you’ve stashed on the bed, closet or dresser that should be stored elsewhere, get that done.  Use under-bed storage containers to get some things out of the way, or store on the closet shelf. 
     

  • -Go through the closet and remove things that haven’t been worn in a year or more and donate those.  Guests will appreciate some empty hangers in the closet to keep their clothes from staying folded in a suitcase. 
     

  • - On the same token, open the top two dresser drawers, and purge anything inside that isn’t being used, and empty at least one drawer.  Use a sachet of cedar chips for a nice fresh-smelling place for your guests to keep their belongings. 
     

  • - Clean the room as if you were Spring-cleaning:  wash all the bedding, vacuum the whole room, including under the bed, and dust all wood surfaces well.   
     

  • - Have extra pillows and blanket on the bed, especially if the room is on the cooler side of the house.  Once you have the big things done, getting the room ready just before they arrive will go more quickly. 

 

No Guest Room? 

  • - If you don’t have the extra bedroom, consider investing in a futon, sofa bed or even a twin chairbed for your living area.  Even a good quality air mattress can be made into a comfortable overnight sleeping spot, and can be put wherever you want, and is easier to use for some privacy for your guests. 
     

  • - Your couch is a bit “lumpy,” or you simply want to make it comfier in case of needing it for extra beds, and a feather bed is perfect for this.  Featherbeds are easily stored, and will certainly offer some comfort when placed on top of the sofa cushions. 
     

  • - You will need a small table or other flat surface for guests to keep their luggage--anything that will make them feel like they have space of their own.   
     

  • - If your guest space will be in a living area, give them a feeling of privacy with a screen to block off the sleeping area.  Deciding to use a screen can give you an excuse to make one, and apartmenttherapy.com has a great tutorial for a screen made from hollow-core doors. 

 

Extras 

  • - Start stocking up now on trial- and travel-size toiletries, and purchase a couple of new towels to keep tucked away for guests. 
     

  • - Make sure the lighting in the bedroom is good, and all the lightbulbs are working. 

  • - Have a new house key made and hang it on a special keyring and use solely for guests. 

 

Getting the big things done now won’t have you scrambling during the busy holiday season to get ready for any overnight visits.  Most of the time, the whole point of having friends and family spend a few days in your home is to enjoy them!  Preparing now will mean less stress and plenty of enjoyment later!


Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Trick or Treat Home Safety

Wednesday, October 30, 2024
by Tucker Robbins


The streets of your neighborhood are filled with children, and some parents, costumed and carrying bags and buckets for Halloween treats!  Since many homeowners don’t regularly use the front entrance to their home, they may not think about all the little feet that will be tramping up the path to your door.  Make sure everyone has a safe trip for their candy by following these tips: 

 

  • - Do your own walk-up to your front door, and examine everything, including the driveway and front steps.  Make sure there are no loose pieces or large cracks that can cause anyone to take a tumble.  Porch railings should be secure. 
     

  • - Yard decor should be fixed securely so the wind can’t blow it over, or curious little hands cannot pull it down. 
     

  • - Battery-operated LED tea lights are inexpensive and much safer to use in place of lighted candles.  Many options are available for LED’s, including a flickering light that is perfect for your jack o’ lantern. 
     

  • - Speaking of lights, make sure that not only is your porch light switched on, but that the path you’ve created is well-lit. 
     

  • - Decor that hangs from the trees is scary and fun, so make certain they are hanging at least ten feet from the walkway, making certain they don’t obstruct anyone’s view. 
     

  • - Take an afternoon close to Halloween to be sure any shrubbery, trees or edging isn’t in the way of where trick-or-treaters must walk.  Inspect for loose branches in nearby trees and remove them. 
     

  • - If you have room in the garage, consider parking the car there.  The folks that are coming and going would likely appreciate the extra room to pass others. 
     

  • - A constantly-ringing doorbell or persistent knocking can cause your pets some distress and a lot of barking.  Confine them to a room, or even better, to their crate.  Check out these other great tips about your pets and Halloween from the ASPCA. 

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Courtesy of New Castle County DE Realtor Tucker Robbins.  

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Carve, Drill or Sculpt a Pumpkin!

Wednesday, October 23, 2024
by Tucker Robbins


Gone are the days of using Mom’s best kitchen knife to carve a simple jack o’ lantern with triangle-shaped eyes and a toothy grin.  Pumpkin carving is an art for many, but even those who aren’t so talented in that department can create original and fun lanterns to light our front steps for Halloween! 

 

  • - Cleaning out the pumpkin is messy, and best done on a paper-covered table or done outside.  Once the inside is clean of seeds and pulp, use a spray bleach cleaner such as Clorox Clean Up to spray the inside of the pumpkin to help stop it from molding quickly. 
     

  • - Pumpkin carving kits can be bought for just a few dollars, and they usually contain a utility saw, hand “drill,” and scraper.  Some kits offer templates to choose from. 
     

  • - The amount of free printable templates are almost overwhelming, and you’ll probably end up with more than one jack o’ lantern if you go through this list of available templates from The Spruce Crafts! 
     

  • - Find a template that compliments your skills, or find an easy one that children can help with, and print.  Tape it to your cleaned-out pumpkin, and use a pointy object to trace around the line drawing, poking through the paper and into the pumpkin. Cut the pattern using a small saw, and spray the newly cut areas with the bleach cleaner, and your piece of art should last for several days! 
     

  • - Metal cookie cutters can also be used for a different look for your pumpkins:  using a mallet, gently tap the cookie cutter through the carved pumpkin shell.  Go around the pumpkin using this method, or place the cutter in random places for a less-structured look.
     

  • - A power drill can make creating a pumpkin lantern a breeze!  Use different bit sizes to make your pumpkin sparkle, like these from onelittleproject.com. 

  • - Battery-operated tea lights are perfect for lighting your jack o’ lantern, and last for several hours, as well as being safer than a traditional candle.  Once you purchase an inexpensive pack, replace the batteries when the old ones die, as the LED bulbs inside last much longer than any wax tealight candle. 
     

  • - For more festive and different approaches to decorating your porch with other members of the squash and vegetable family, check out these ideas from The Garden Glove. 

 

Keep the pumpkin-carving safe:  supervise younger children, and even help them when they want to use tools to cut the pumpkin’s new face.  Most children love cleaning out the “guts” of the pumpkin, so have them pick out some seeds for cleaning and roasting later for a healthy treat.  Most of all, have fun, and make memories!

Courtesy of New Castle County DE Realtor Tucker Robbins. 

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Down Payment Assistance Programs

Wednesday, October 16, 2024
by Tucker Robbins

Most home buyers believe that they must have a 20% down payment before they can even think about purchasing a new home. This is simply not true! While there is nothing wrong with saving towards that amount, there are several programs available to first-time home buyers, as well as repeat buyers. With over 2,000 such programs in the United States, it should not be a problem to find one in your area.

  • Down payment assistance (DAP) are available in the form of grants or loans and are most often available through state and federal agencies:
    • Grant: money that is gifted and never has to be repaid
    • Loan: a second mortgage that is paid monthly along with the primary mortgage
    • Deferred loan: a second mortgage with deferred payments that only have to be paid when you move, sell, or refinance
    • Forgivable loan: a second mortgage that is forgiven over a set number of years (often five, but could be up to 15 or 20); repayment is necessary only if you move, sell, or refinance too early
       
  • Many lenders offer DAP that is built into the loan program, especially for first-time home buyers.
     
  • Government-backed lenders, such as FHA and USDA, require as low as 0-5% down on a home purchase. Check their websites for more information to see if you qualify.
     
  • Fannie Mae’s HomeReady Mortgage program offers DAP; see website for qualification and loan information.
     
  • Veterans can qualify for a mortgage that requires no down payment. Visit the Veterans Affairs government website to learn more about their mortgage loan program.
     
  • Public servants, such as teachers, first responders, and nurses can check out Next Door Programs for information about DAPs.
     
  • Not only do some lenders offer DPA, but they also offer loans to cover all or part of the closing costs, which can cost, on average, 2-6% of the purchase price of the home.

Take care when you are searching online for information about DAPs; many commercial websites are set up to appear to be the agency when they are in reality a lender or a website that receives kickbacks from lenders. Look for the contact information in your area or on official government websites so you can speak to someone who has no ulterior motive to assist in borrowing money to purchase a new home.

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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National Fire Prevention Month

Wednesday, October 2, 2024
by Tucker Robbins

It’s the time of year to check not only your battery-operated smoke alarm, but anything you have in your home that could start a fire if not properly used and maintained.  This is also the time to talk with your family about your emergency plan in case of a fire.  These tips will get you started: 

 

  • - Every kitchen should have an easily-accessed fire extinguisher.  If you don’t have one, purchase one, and if your old one hasn’t been serviced recently, call an official inspector to make sure yours is in good working order. 
     

  • - Smoke alarms are a must!  Older smoke detectors can be sensitive and go off while someone is cooking, and we inadvertently disconnect the battery to stop that, and forget to reconnect them.  - More recently-produced types have a sensitivity button that can reduce that problem for a set period of time and return to normal after the time is up. 
     

  • - Homes with more than one story should have an escape ladder close to an easily-accessed window on the upper floor.  Safewise.com has a list of their best-rated ladders, and offers tips for choosing the right ladder for your home. 
     

  • - Don’t overload electrical outlets, and use extension cords only on a temporary basis.  If you need more outlets, call an electrician to install them.  The cost of this greatly outweighs the cost of a fire. 
     

  • - A visit from an electrician is also warranted if you have outlets that spark when you use them, lights that flicker, or a circuit breaker that trips regularly. 
     

  • - Clean your dryer’s lint screen after each load, and keep the vent and back of the dryer clean from lint build-up. 
     

  • - Have chimneys and furnaces checked out before you use them to make sure they’re clean and in good working order.  If you use a wood fireplace, make sure the screen protector has no holes, and use only a flame-retardant rug in front of the hearth.
     

  • - While cooking, don’t leave the kitchen, and even though your children may like to help, have their station set up far from any hot items. Keep towels and paper products away from anything hot, and don’t leave cooking oil unattended. 
     

  • - Although it isn’t very common, lightning can cause a house fire.  Lightning rods may seem like an outdated tool, but they are not only helpful for redirecting lightning and prohibiting a fire, they can save your electronics from lightning damage.  Lovetoknow.com describes several different types of home lightning protection styles, and how they all work. 

 

Most importantly, you need a family fire plan, and everyone should be familiar with this plan.  For tips and a guideline to setting up your own fire escape plan, consult this page from the National Fire Protection Association, where you can find free printable tools to make your planning process go smoothly.  No amount of time taken to put a plan into place and practice is too much when it comes to protecting your home and family from a fire.
 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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In-Law Suites

Wednesday, September 25, 2024
by Tucker Robbins


For many families in the United States, it has become the norm for more than two generations to live under one roof as aging parents move in with their adult children. Not every house has the extra room, nor do mostly independent seniors care to downsize and live in one room with a half bath. While there are a few different solutions to the issue, there are many things to consider. 

 

  • - First and foremost, questions need to be answered: Is it possible to sell both homes and purchase one larger one? Are the in-laws simply wanting two rooms and a bathroom to themselves? Will the older parents sell their home and pay for an in-law suite to be built onto their adult children’s home? 
     

  • - Another solution could be that the older generation has the largest house, and the younger family could relocate. Again, everyone needs to be put into consideration, as this could uproot school-aged children, and even take the working adults further away from their jobs. 
     

  • - If a new house hunt begins, look for houses that have the potential to create a small apartment in the existing rooms, or have space to add an in-law suite. Another option is a duplex, so parents that are still independent can keep their own house, but have the family just a few steps away, just in case. 
     

  • - Building an addition onto any home requires some investigation to make certain your municipality will allow it, as it will almost be a separate dwelling. 
     

  • Some of the needs and wants in an in-law suite include: 

  • - separate entry/locked entry from “other” dwelling 

  • - first-floor accommodations 

  • - full bathroom 

  • - kitchen essentials, as zoning codes allow 

  • - sitting room separate from sleeping area 

  • - wide doorways, no-slip flooring, handrails in appropriate areas
     

  • - A garage, underused attic, or basement can be easily converted to a small apartment-like dwelling. Just make sure there is adequate natural lighting, as all of these can be dark spaces. Where lots of windows are not an option, adding skylights take care of letting some sunshine in.
     

  • - One more option is building a cottage-type building on the property, as regulations allow.   

 

While finances are likely the number one factor for making the major decisions, family dynamics are another factor in this new living situation. Every family is different, and while some want their privacy and ask others to knock before coming into their “house,” some families will have an open-door policy, sharing meals and housework equally, and have their own little commune. No matter what the accommodations will be, communication is key to making certain a multi-generational home is for the best, as well as successful. 

 

Courtesy of New Castle County DE Realtor Tucker Robbins.  

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Winterizing Your Pool

Wednesday, September 18, 2024
by Tucker Robbins


A backyard pool used to be a luxury.  Thanks to modern technology and lower prices, a swimming pool is a common sight.  Properly winterizing a swimming pool may take a few hours, but it’s worth taking care of your investment. 

 

In-Ground Pool 

  • 1. Remove any toys and floats, and clean all debris from the pool, skimmer and pump basket.   
     

  • 2. Remove ladders or other equipment.  If the ladders aren’t removable, you’ll have to cut your cover to fit.  This may negate the warranty, so check the label and cover instructions before you cut. 
     

  • 3. Test your water, and add the proper chemicals for your pool’s size. Check labels on packaging for proper mixing and distribution instructions.   
     

  • 4. Backwash the pump, and blow out the pipes according to manufacturer’s directions. 
     

  • 5. Lay your cover out on one long side of the pool, and place empty water tube weights in their loop holders.  Fill the tubes completely.   
     

  • 6. After the tubes are in place on one side, you may need the help of another person to pull the cover corners across the width of the pool.  Add water tubes to the remaining sides and fill. 
     

  • 7. If you invest in a leaf net, it will save the main pool cover from damage from rotting leaves, plus save your from extra cleaning when it’s time to open the pool again.  Put the leaf net in place over the cover and attach according to manufacturer’s instructions.   

  • 8. Once you are finished, walk around the pool to assure your cover is secure, and the pool surface is completely covered. 

 

Above Ground Pool 

  • 1. Follow the first three tips for in-ground pool winterizing. 
     

  • 2. Disconnect hoses, and drain the pump.  
     

  • 3. Draining a certain amount of water from the pool to protect the skimmer from cracking or breaking is an important step, but a winter skimmer plate installed over your skimmer can help you skip this step.  Drain the skimmer hose completely if you use a skimmer plate. 
     

  • 4. Fill the air pillow completely, and place it in the pool. 
     

  • 5. Pull the cover across the pool and air pillow. 
     

  • 6. Depending on whether there is a deck around your pool will determine what you need to secure the cover: if there’s a deck, use water tubes; use cover clips if your pool is deck-free. 
     

  • 7. Once you are finished, walk around the pool to assure your cover is secure, and the pool surface is completely covered. 
     

There are downloadable/printable resources with specific step-by-step instructions for all kinds of pool care.  Undertaking this task can save money, but if you are unsure of what you’re doing, or don’t have time, call your local pool maintenance team to winterize for you. You want your Summer pool opening as problem-free as possible when hot weather arrives. 

 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Credit Card Mistakes You Might Be Making

Wednesday, September 11, 2024
by Tucker Robbins


There are practical uses for credit cards, such as rewards points, cash back on purchases, and airline miles to name a few.  Having a credit card can also have drawbacks if you’re not responsible with that piece of plastic.  Read on to see if you’re making any of these mistakes… 

 

  • Paying the minimum payment every month keeps your credit score in check, but the interest added to the balance can make a negative impact on your credit.  Pay as much as you can afford over the minimum billed amount, or, better yet, pay off the balance each month. 
     

  • Late payments not only damage your credit, but if you’re sending it late every month, the late fees and interest on the balance will max that credit card out, and it could take years to pay it off.  Set up an auto-pay plan or mail your payment a week in advance of the due date. 
     

  • Spending just to receive rewards is a good way to get you into credit trouble!  Sure, those rewards are great, but they’re usually a small percentage of your purchases.  The added interest will be far more than any rewards you’re seeking and will cost much more in the end.
     

  • Cash advances may seem like help, but the interest on them starts as soon as that money is in your hand, and there are usually extra fees involved.  Cash advances are essentially cash loans and are treated as such.  Beware of “convenience” checks your card company offers to you because they are cash advances in disguise. 
     

  • Maxing out your balance, or worse, spending over your credit limit, is a good way to reduce your credit score.  The over-balance fees are tremendous, and not having any available credit left on the card will affect the credit utilization ratio. 
     

  • Tossing your statement without reading it can cause you to miss important announcements from the company, as well as fraudulent activity, or changes in your minimum payment due. 
     

  • Using your credit card at the grocery store or to pay utility bills will help in an urgent situation, but only if you can pay the full balance at the end of the month.  If you’re using a credit card for everyday purchases, it’s time to get your finances under control. 

 

Don’t let mistakes cost you money and a good credit rating!  Keep your balance less than 30% of your credit limit, maintain a manageable monthly payment, and your credit report will benefit.  Credit cards are good tools to use to build credit or keep your score high, but only if used wisely.   

 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Get These Fall Jobs Done

Wednesday, September 4, 2024
by Tucker Robbins


The weather is cooler, but the days are still long enough to get some regular Fall maintenance done.  Get your home prepped for cooler weather now so it won’t be a problem later.   

 

  • - Clean gutters before the leaves fall so they won’t get clogged.  Consider installing some gutter protectors so the coming leaf drop won’t cause further problems. 
     

  • - Raking leaves is a job many don’t care for, but if you do, and plan on burning them, check with your local government offices or HOA guidelines to make certain it’s allowed.  If not, it’s best to bag them for curbside pick-up, or find a gardening neighbor that would appreciate the extra composting material. 
     

  • - After you’ve mowed and raked one last time, fertilize the lawn.  The roots are still active, and the extra nutrients will help the grass overwinter safely. 
     

  • - Speaking of using the lawnmower one last time, drain the fuel and oil from gas-powered equipment, and clean them well.  This Old House offers some excellent tips on putting up the lawn mower for Winter. 
     

  • - Give the roof a good look and replace broken or missing shingles. 
     

  • - Check windows and doors--inside and out--for drafts and apply weather-stripping or caulking where it’s needed.  Today’s Homeowner has a video that shows us how to apply caulk around our windows. 
     

  • - Call your HVAC serviceperson, and have the heater checked and serviced, if necessary.  Go ahead and make sure your filters are new--buying them in bulk keeps you from having to remember to get one every couple of months and saves you money. 
     

  • - If you use wood for heating, hopefully it’s already cut and seasoned.  Store it at least 30 feet from the house, covered, unless you bring it in a few days before you burn it. 
     

  • - Turn off your sprinkler system timer, shut water off at the main, and drain the system. If you’re not able to drain it yourself, it may be worth the money to hire a pro to blow the pipes out and drain the sprinkler heads. 

 

It may take a couple of weekends to get all of these done, but all are important to do, and hopefully save you from a headache and spending a lot of money later in the Winter.  Some of these chores could be done by a teenager looking to earn a few extra dollars, and they can learn something in the process. You’re never too young to learn about taking care of your home.

 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)
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