How to Sell a House That Still Has a Mortgage Left on It

Most people won’t live in the same home for 30 years, the typical life of a mortgage loan. So, when it comes time to sell, many homeowners still have mortgage debt to deal with. Is this a problem? What happens to your mortgage when you sell your home?

Once you sign your name on a mortgage loan, you are responsible for the money—no one else. This means that you must pay it back, which you can do with the money you gain from selling your home.

The truth of the matter is that selling a house with a mortgage is a common occurrence. It’s not something you need to be embarrassed or worried about. However, there are a few things you should be aware of and a few steps you should take before you try selling a home that you still owe money on.

Check Your Mortgage

The first step to selling a house with a mortgage is to contact your mortgage lender and ask about your current mortgage. You want to know:

  • Your current mortgage payoff amount
  • Your due-on-sale clauses

Your mortgage payoff amount is the exact amount of money, including accrued interest that you owe to the bank. This amount is typically good for 10-30 days and represents the outstanding loan balance that you must pay. The last thing you want to do is default on your mortgage.

The due-on-sale clauses reveal the exact rules of how to sell a house you still owe money on. It covers such information as when the paid-in-full loan is due and what the process is, including any fees. The clauses won’t tell you who you can or can’t sell your home to, but they may need some additional information about the buyer’s mortgage lender. Be sure to ask any questions you might have about these clauses, so you have a full understanding before you take the plunge and start your sale.

Selling Your Home

Once you know the ins and outs of your loan terms, it’s time to get to selling a house with a mortgage, which can get slightly complicated. First, you’ll want to work with a title company.

If your current lender doesn’t set you up with a title company, you can hire an agent on your own. This agent will be responsible for ensuring that there are no issues with your property’s title, and act as the intermediary throughout the entire purchase and sale process.

Here’s what happens to your mortgage when you sell your home and use a title company:

  • The title agent holds the money from the new buyer during the sale
  • After you sign all the documents at the closing table, the title agent uses the sale money to pay your current mortgage holder
  • Once the amount has been paid, the title transfers to the buyer and you, as the seller, are given the leftover money (minus various fees)

If the sale covers the full cost of the current loan, it’s a fairly smooth process. However, if you owe more than your home is actually worth—negative equity—there could be some trouble. In that case, you’ll have to work out a deal with your lender for a reduced payoff amount, or you may need to refinance and stay in your home for longer than you planned.

In the end, selling a home with a mortgage shouldn’t be a problem. The most important thing is to know your options, so that you can make the right decisions.

For help throughout the entire selling process, visit www.coldwellbanker.com and find a real estate agent near you.

Posted on May 9, 2018 at 12:42 pm
Kappel Gateway Realty | Category: selling | Tagged , , , , , , ,

Five Things You Need to Know About Selling a Condo

Thinking of selling your condo? Whether you live in the condo or own it as an investment property, if you’re ready to sell your home, it’s time to talk to a qualified real estate agent in your area. By evaluating several criteria, including regional markets, time of year, features of your condo unit, as well as your specific needs as the seller, he or she can create a customized marketing plan for your condo. Here are five important topics to discuss with your real estate agent if you want to sell your home:

1. Best Time of Year to Sell Your Condo

The specifics of your area do more to determine the best time to put your home on the market than whether you’re selling a condo or a house. While the conventional wisdom is that spring is the best time for selling a home, this belief simply doesn’t ring true in every locale. In recent years the historic patterns have eased, and in some cases, totally disappeared. Still, different parts of the country have periods when sellers can be more aggressive with their pricing. And your real estate agent may suggest a distinct timing strategy for condominium sales, especially if your condo is in a resort destination.

2. Open House Strategy and How to De-Clutter

A condo that shows well will sell faster and bring a higher price. Small cosmetic touch-ups can make a big difference. Buyers often suspect that more serious problems may exist if they notice the need for minor repairs. If you want to sell your home, it’s important to make sure your condo is clean, tidy and free of personal clutter. Clear sinks and counters of dishes and toiletries. Neatly stack office supplies and organize storage areas. Replace dim light bulbs and clean windows. Even though your garden area may be commonly owned, do your best to create curb appeal by cleaning front steps and porches, and clearing lawns of toys or equipment.

3. Features to Accentuate

One of the best features to accentuate when selling a condo is the lifestyle of ease that comes with condominium ownership. Many buyers are looking for the hassle-free living experience that they can’t find with a single-family detached house. Another important attribute of any condo is the amenities of the association, which can include a hot tub, fitness center, owner’s lounge, covered parking and even concierge services. If you’re considering selling your condo, take the time to walk through it methodically with your real estate agent. Together you can point out which features of the actual condo unit should be accentuated. Does your unit have a wonderful view? Perhaps the location of your condominium is unique and desirable. Your real estate agent can help accentuate these features in sales and marketing materials.

4. Desired Price and Bottom Line Price

When setting the home price for your condo, it’s important to identify your desired price and your bottom line price. By assessing recent condo sale and listing statistics in your area, your real estate agent and a licensed appraiser can estimate your house value and recommend an appropriate target price range. Working with your agent, you can set an initial asking price, as well the absolute lowest home price you would comfortably accept. One advantage of selling a condo is that by assessing the prices of other units in your association that have recently sold or are currently listed, your real estate agent and the appraiser can determine a very accurate house value.

5. Disclosures

When selling your condo, you may be obligated to disclose problems that could affect the property’s value or desirability, as well as to disclose HOA minutes and costs of common insurance and utilities. In most states, it is illegal to fraudulently conceal major physical defects in your property, such as a water heater that leaks severely. And many states now require sellers to take a proactive role by making written disclosures on the condition of the condo unit. Ask your real estate agent for the particular laws of your state.

After reading this article, read more tips on selling a home and make sure you get the best value on your property on Coldwell Banker’s Seller Resources.

Source: CB Blue Matter Blog

Posted on April 3, 2018 at 9:18 am
Kappel Gateway Realty | Category: Sellers Market, selling | Tagged , , , , , , , , , , ,

Speedy Home Sales: Top 5 Things Buyers Were Looking for in 2017

Are you are curious to know what it takes for your community to see speedy home sales in 2018? In order to determine what makes home sales happen quickly, as agents, we look at the patterns. We compile the data and compare it, year over year. So if you are wondering what it takes to sell your home quickly in 2018 or “What did the homes that sold in Petoskey in 2017 in 30 days or fewer have in common?” we can tell you that.

Without further ado, let’s take a look at the top five things buyers were looking for these past 12 months.

1. Square Footage

Twenty-seven homes sold in Petoskey in less than 30 days in 2017. On average, these homes were built at around 1,500 square feet. Median square footage was 1,470 square feet. About half of the homes had basements (not included in the square footage measurements).

According to an article by the National Association of Home Builders, the NAHB, national averages in new builds has been around 2,600 square feet since 2016 and on a steady increase.

The article stated that: “The post-recession increase in single-family home size is consistent with the historical pattern coming out of recessions. Typical new home size falls prior to and during a recession as some home buyers tighten budgets, and then sizes rise as high-end home buyers, who face fewer credit constraints, return to the housing market in relatively greater proportions.”

For our purposes, the homes we are talking about that sold in 2017, were not new builds. In fact, at least one of the homes was built as far back as the year 1900, 5 homes were noted as being built in 2002 or sooner. The ages for most of the rest of the homes, however, were unknown. All that said, it appears that national averages and averages here in Petoskey don’t necessarily correlate. To further make that point, in a study of the 1,789 homes sold since 2011, only 42 were built in 2010 or sooner with an average of 2,250 square feet. Of those 42 homes, only 4 sold in less than 30 days. Furthermore, the average day on market was 180 days over the course of 7 years.

2. Bedrooms and Bathrooms

According to the National Association of Home Builders, homes are most often built to include 2.56 bathrooms and 3.38 bedrooms. These figures coincide with what buyers were looking for in 2017. The vast majority of homes that sold were 3 bedroom, 2 bath homes. These homes are usually preferable because they can accommodate growing families, guests, or retirees all the same.

Nationally speaking, master bedrooms trend at making up 12% of the square footage space. Second and third bedrooms account for nearly 17% of the home space. Lastly, bathrooms account for approximately 12% of the square footage. Most of the floorplans are dedicated to living spaces, family rooms, dining, and kitchens — totaling nearly 40%. The remaining square footage is dedicated to spaces such as foyers, closets, pantries, laundry, and garages.

3. Financing

When it comes to how homes are selling quickly, financing accounts for 37% of home sales. While most homes sold for cash (16 homes or 59%) the remainder of sales were done through a mortgage (10 homes or 37%). One home sold on a land contract.

Of the 27 homes sold within 30 days in 2017, the average sale price was $260,063. It is important to note that the highest sale price was $1,000,000 and the lowest was $60,000. Because there is such a disparity between the highest and the lowest sale price, knowing the median sale price is more indicative of the trend. The median sale price was $175,000, with the majority of homes (15) selling under $200,000.

Finally, the average price per square foot was $173, and the median price per square foot was $152.

4. Garages

It appears that if you want to see a speedy home sale, you should make sure you have a garage. Nearly all homes sold (with the exception of two) had at least a one-car garage and on average a two-car garage. It’s no wonder Petoskey residents want garages; with our harsh winters, it only makes sense to have a safe place to house a car. So if you don’t have one already, you may want to consider adding on a garage. It may help with a quicker sale, and it is also likely to increase your home’s value too. In fact, the data shows, that of homes sold in the same neighborhood with much of the same features, the 2 homes with garages sold at substantially higher prices than those without.

5. Stick-Built

Of all of the criteria that helped contribute to speedy home sales in 2017, having a “stick-built” home seemed to be on trend; 23 of the 27 homes were built on the site where they reside.

“Stick-built” or “site-built” homes tend to hold their value at a much better rate than manufactured homes. This is because the materials used for “site-built” homes tends to be of higher quality, making them more desirable. This fact coincides with the next, that site-built homes look better in the eyes of lenders. If an investment holds its value longer, simply put, it is the better investment.

Of all the things that helped to push faster sales in 2017, it should be noted that location, correct pricing, and marketing are also factors that can contribute. Because each home is unique, it is important to get a professional market analysis from a real estate agent who knows your market area. Perhaps there are some things you can work on to help your home sell such as staging or small repairs, but you won’t know until you get a professional opinion. Call an agent today.

Source: CB Blue Matter Blog

Posted on December 19, 2017 at 8:46 am
Kappel Gateway Realty | Category: Buyer's Market, Buyers, buying, closing costs, real estate | Tagged , , , , , , , , , , , ,

7 Secrets to Selling: Tips from Real Estate Insiders

Coldwell Banker Real Estate professionals weigh in on what you need to know when navigating the real estate process.

Buying a home is one of the biggest investments you will ever make. And if you’re selling for the first time, there’s so much you need to know, it can often be overwhelming.  To uncover some of the insider secrets, we turned to Coldwell Banker Real Estate professionals to weigh in on what you need to know, whether you need help selecting the right real estate agent, or are looking for tips on how to market your property.
In this recent episode of NBC Open House, Coldwell Banker Real Estate professionals Dave Bunker with Coldwell Banker Howard Perry & Walston in Cary, NC and Angel Piontek with Coldwell Banker Elite in Fredricksburg, VA share their best tips for navigating the real estate process.
To find a real estate professional in your area, visit coldwellbanker.com.
Source: CB Blue Matter Blog
Posted on November 21, 2017 at 9:31 am
Kappel Gateway Realty | Category: Bidding, Bidding War, Homeowners, real estate, Sellers Market, selling, staging | Tagged , , , , , , , , , , , , , , , ,

A Very Traditional Thanksgiving Dinner!

 

Get your game on with a traditional Thanksgiving Dinner! Thanksgiving dinner in Northern California can be more traditional than typical, as many locals will have wild game on their tables on November 23.

Target Your Turkey

Turkey hunting is not just a sport for people who live in the great Nor-Cal area. Once turkey season is open, the forests and ranges are alive with hunters looking for their Thanksgiving turkey. Turkey season is open November 11 to December 10.

Open Range to the Oven Range

Wild turkey is very different from a bird purchased at the grocery store. The breast is much smaller and the legs are longer. The taste is much the same, but if the turkey is old, it can be tough and gamy. Picking the right bird for your traditional Thanksgiving dinner is determined by your experience. Recognizing the difference between a young turkey and an old one is learned from trying to chew the wrong choice a few seasons. Hunters who are true sportsmen always eat the game they take; this is a standing rule here in the North State.

The Call of the Wild

Turkey hunters all have their favorite “call.” Some hunters can imitate a turkey with a certain whistle they do with their tongue. Most hunters prefer a store-bought turkey call. Once tested and found to be irresistible to turkeys, the call goes into the hunters gear and used for years after.

A Healthy Experience

Hunting for a turkey for the traditional Thanksgiving dinner table is for many people preferable to choosing one in the grocery store meat department. Wild turkeys have free range, they have had no hormones to plump them up, and unlike store bought turkeys, there are no additives. Yes, the ones at the store are guaranteed and there are hundreds to choose from. There’s no need to go out in the cold, sitting and calling for hours unless you truly do want a traditional Thanksgiving dinner.

This year, it is estimated that over 20,000 hunters will try to bag their bird, but only 10,000 will be successful. There will still be lots of sales at the super market.

If you think you’d like the experience of going out in the woods, trying your talents on a turkey call, and choosing the right bird, make sure to get your hunting license first. You will also need an upland game bird stamp. Both can be purchased from the California Department of Fish and Wildlife.

Source: CB Blue Matter Blog

Posted on November 20, 2017 at 11:22 am
Kappel Gateway Realty | Category: cooking, real estate, Thanksgiving, Uncategorized | Tagged , , , , , , , , , , ,

Smart Home Tech That Makes Holiday Hosting Easy

Save time, energy and frustration by using smart home tech the next time you host family and friends for a holiday meal!

Guest post by June Lawrence

Whether your holiday entertaining features casual cocktail parties, full-fare, sit-down meals, or an open house for friends and neighbors – you can save time, energy and frustration with the latest home tech solutions that make holiday hosting easy. Smart home automation trends have made steady inroads in domestic consumer goods, home automation, and wireless entertainment market sectors, with expectations to surge beyond $3 billion in 2017.

Basic smart home tech starts with voice-controlled devices, wireless sensors, and semi-artificial intelligence platforms changing the way we entertain, work, and interact. These can reduce and help with chores that eat up your time and energy when hosting during the holidays. Whether you are menu planning, grocery shopping, stocking the bar, notifying attendees, or cleaning, there’s an app – or smart gadget to the rescue.

Holiday Shopping Helpers

Holiday menu shopping has never been simpler with The Shopping Button. As you scrutinize the pantry, use the voice recognition and recording features to create your holiday grocery list on-the-go. If this year’s holiday feast and lavish delicacies are a budget-buster, use this gadget to save money by scanning barcodes at your local, premium marketplace. Then connect and download your selections online for price comparisons and fast order placement.

New low-profile robotic vacuum cleaners include many updated features. Precise control directly from your smartphone takes care of last-minute clean-up or tidying between guest functions. Not only can you clean low-pile carpet or hardwood floors with a preprogrammed, recurring schedule, these labor-saving vacuums also dock and clean themselves.

Preparing the Kitchen

Smart home and kitchen automation systems are possibly the greatest application of smart technology for worry-free holiday hosting. Kitchen appliances that mate with a wide array of on-demand applications monitor and provide continuous feedback while preparing holiday dishes and desserts.

Smart kitchen appliances equipped with on-board intelligence, high-powered thermometers, and digital sensors tell you when to stir, flip, or add ingredients – like the pantelligent. Cook fast or slow, but cook smart with pressure cookers and crock pots monitored and controlled via smartphone.

For those with a bigger budget, consider swapping outdated kitchen appliances for new, connected cooking versions. A smart home hub provides seamless connectivity for multiple appliances; such as refrigerators that automatically send restock messages and smart ovens for perfect holiday pies. According to HomeAdvisor, the national average cost for a home automation system is about $1,200.

Cooking the Main Dish

Presenting the perfect Thanksgiving turkey or a succulent Christmas ham can be worrisome. Consider a smart thermometer with presets for all types of meats and weights to take the anxiety out of over or undercooking the holiday bird. You’ll always know the temperature of your food and exactly when it’s done. The key is a Bluetooth connection to your phone and easy-to-use, icon-based apps.

Party Planning

Large parties, especially those held at an off-site venue, often require the same planning and coordination as small corporate events. Consider party planning appsthat feature automated email invitations; interactive, step-by-step mixology videos, and helpful reminders at every stage of your event planning timeline.

Serving Spirits

And not to worry, you can always keep the holiday cheer pouring with an Internet-connected wine cooler. Within 30 seconds, internal cameras will scan wine labels to correctly identify and chill each bottle independently and at the perfect temperature.

Even sensor-driven kitchen fixtures lend a helping hand with liquid refreshments. Taps that deliver steaming hot water on command or touchless faucets that turn off and on with hand gestures are quick plumbing installations that cost between $90 – $500.

Lighting Design

For the perfect finishing touch to a great holiday party complete the holiday ambiance with lighting. Consider installing the Phillips Smart Hue line of wireless and smart lightbulbs. Go from warm white exposure for casual conversation to a holiday-inspired scene for singing, dancing, and drinks. Smart lighting is also a great way to establish different moods throughout the home for an array of holiday entertaining or age groups.

Why spend the holidays frantically keeping up with all there is to do when smart home tech can lend an extra set of eyes, ears, and hands for trouble-free holiday hosting!

Source: CB Blue Matter Blog

 

 

Posted on November 16, 2017 at 3:57 pm
Kappel Gateway Realty | Category: cooking, grill, real estate, Thanksgiving, Uncategorized | Tagged , , , , , , , , , , , , , ,

How to Avoid the Top 5 Home Seller Mistakes

When you are selling your home, it can be easy to be in a vacuum. You have a certain idea of what the market should pay for your home and what may or may not be an issue. After all, you are king of your castle, right? Your home has x, y and z . The location can’t be beat. It’s just around the corner from (insert fabulous restaurant, park, coffee shop, school, etc. here).

However, when buyers and agents are coming through your home, it can be where distorted perception meets reality. Here are the top mistakes sellers make and how to avoid them.

1. Overpricing Your Home

If your home is overpriced, two things won’t happen: showings or offers. The price is what sets the tone for showings. It is the nonverbal message that either invites or discourages activity. If it is too high, buyers that can afford it may be interested in something else, as they can go higher in price range, and the audience for whom it was intended price-wise are usually shut out. To avoid frustration over offers much lower than your set price, have an open discussion with your real estate agent to set the right price for your home.

2. Making Showings Difficult

Restricted showing times, no lockbox or having to be present for all showings can impact the ability of showing traffic through your home. If there are umpteen instructions or restrictions, agents and their buyers will simply move on to those properties with less rules. Work with your real estate agent to find a way to make showings convenient for both you as the seller as well as potential buyers.

3. Not Countering an Offer

While everyone would love to get the most for their home, a seller also needs to keep a realistic balance. It is too easy to get hung up on the starting number in an offer when the focus should be on what the end result is. The opening offer is simply that –a starting point. It gets a conversation going and results in hopefully a happy medium that is amenable to the buyer and seller. Not countering an offer is like having a one way conversation. It won’t work. How can you move to sold if you can’t have a dialogue of back and forth? It doesn’t mean that the buyers aren’t serious, they are simply being conservative in their first offer to get a feel for how the negotiation is going to go. It doesn’t mean that is the most they are willing to pay unless the offer was positioned that way. Failure to counter sends a discouraging signal to the buyer that can create an uncomfortable situation, perceived or real. Buyers want to do business with sellers who are eager to do business with them. You don’t have to give away the store to do so, but certainly responding with a number in good faith is a step in the right direction.

4. Property Condition Denial

Would you as a buyer pay top dollar for a home with original systems approaching the end of their life? In today’s real estate climate, buyers, lenders, appraisers and inspectors are more scrutinous than ever. It is not only the buyer, but the lender, appraiser and the buyer’s insurance company that could be making the call on a home’s condition. Before you sell, be realistic about the condition of your home. Unless the home is deeply discounted below market value, which realistically means it would be far too low pricewise that you would agree to accept, the buyer will care about it and if they don’t, their home inspector certainly will!

5. Selective Memory

Sellers often fear that if they disclose too much or provide too many details, that it could affect their ability to sell for top dollar; however, failure to disclose could open you up to liability after the sale. Leaving questions blank, or not being clear on the age of certain things only creates more red flags and concern for a potential buyer. If you answer the questions honestly and fully disclose any known issues or repairs that were made (with receipts to document and provide a history) it will eliminate buyer fear and doubt.

For more seller resources, or to find a real estate professional in your area, visit coldwellbanker.com.

Source: CB Blue Matter blog

Posted on November 6, 2017 at 8:36 am
Kappel Gateway Realty | Category: appraisal, buying, curb appeal, Homeowners, Multiple offers, open houses, real estate, Sellers Market, selling | Tagged , , , , , , , , , , , , , , ,

7 Things to Do Before Moving into Your New Home

The keys are yours, now what?

Congratulations! You’re a new homeowner. While you may not be able to wait to move in, there are a few things you should consider tackling before hanging those family photos on the walls.

lock

1. Change the locks – For peace of mind, it’s a good idea to change out the locks on your exterior doors to ensure that anyone the previous owners may have given a key to can no longer access the property. According to Home Advisor, the average homeowner spends between $100-$300 hiring a locksmith.

2. Paint – Don’t love the lemon yellow the previous homeowners chose for the master bedroom? Painting your new home will be infinitely easier if you can do so before moving furniture into the space. Head to your local paint store to pick up a few samples to test before committing. Take your time and be sure to view the color swatches in different lights before committing. There are also handy online visualization tool like the Benjamin Moore Personal Color Viewer.

floors

3. Take care of your floors – Like with painting, treating and refinishing floors is much easier without furniture in the way. Costs for this project will vary depending on the size of the job, but you can estimate roughly $200 for supplies and equipment. Check out this useful guide to refinishing wood floors from This Old House before heading to the hardware store.

repairs

4. Make any necessary repairs – Does the bathtub need to be re-caulked or the tile re-grouted? Do the floor boards creak? Make a list of priority repairs and tackle them one by one. You’ll be happy you did a few months from now when other projects crop up on the honey do list.

5. Clean from top to bottom – The only thing better than a new home is a clean new home. Now is the best time to give every nook and cranny of your home a deep clean. Scrub the inside of appliances like the refrigerator, oven, dishwasher and microwave. Wipe down walls and baseboards with a damp cloth. Looking for clever ways to banish grease and grime? Check out our Home Tip of the Day video series.

utilities

6. Set up your utilities – Call your electric, gas, cable and water utility providers to make sure service is transferred to you after closing. You’ll also want to research when trash and recycling pick-up are scheduled for your zone.

7. Change your Address – While you may want those mortgage bills to be sent elsewhere, it’s important to file a change of address with the US Postal Service to ensure that all mail is forwarded to your new address following your move. Also be sure to alert friends and family of your new address. They’ll need to know where to send that housewarming gift!

Now, the only thing left to do is celebrate! Looking for great housewarming party ideas? Try one of these backyard flings!

Posted on September 26, 2017 at 11:47 am
Kappel Gateway Realty | Category: Buyers, Celebrate, closing costs, first time buyers, Homeowners, real estate, selling | Tagged , , , , , , , , , , , , , ,

How to Find Inexpensive Art for Your Home

Add your own flair to your home through art with these creative & inexpensive ideas.

Your home should reflect your personality, interests, and all the people and things you love. One of the easiest ways to accomplish that is through the artwork you display around your home. When my husband & I moved into our apartment, we initially worried about finding art that was not only beautiful, but at a price point that wouldn’t break our budget. Here’s what we discovered:

Print Your Favorite Photos on Canvas
Some of our favorite artwork displayed in our home is actually photos we took ourselves while traveling, and had blown up & printed onto canvas. Snapfish allows you to create your own canvas photo art starting at $39, and it’s the perfect way to show off your favorite family photos or pay homage to your favorite vacation spot as a reminder to get back out there!

One Word: Ikea
I have somewhat of an Ikea obsession, and their “decoration” department is no exception. Between their extensive collection of artistic prints, frames, and accessories, you could truly find something for every room in your home — and still have money left over for those Swedish meatballs on your way out.

Joss and Main
Clicking around on this website is like digging for treasure – except you always find one .. or two, or three. This site is beautifully curated with discounted art, furniture, rugs, bedding… you get the idea. The best part? You can browse by style, so if you’re going for a certain vibe – coastal, bohemian, rustic – the site will only show you items that align with that style.

DIY
One of our favorite pieces of art in our home is one we made ourselves. I find my inspiration for these projects on – you guessed it – Pinterest! It’s not only a great way to add something totally unique and special to your home, but it provides a great excuse to gather up your art supplies and enjoy a relaxing day of creativity. You can see a few of my favorite Pinterest DIY projects herehere, & here.

Need more home decor ideas? Click here to discover 12 ways to make your home even more awesome!

Posted on September 19, 2017 at 4:00 pm
Kappel Gateway Realty | Category: color, curb appeal, decorating, Homeowners, interior decorating, real estate, staging, Uncategorized | Tagged , , , , , , , , , , , , , , , , , ,

Privacy-Minded Home Security Options for the Camera Averse

As a homeowner, security and privacy can be an important priority. Learn about how to secure your home without always keeping a watchful eye.

Guest post by Eric Murrell 

It’s never been easier to secure your home, thanks to an abundance of new gadgets on the market. Setups that once required professional installation and thousands of dollars in highly technical equipment are now easy to put together with off-the-shelf products and a few inexpensive apps. It’s a great time to be a consumer, and frankly, a bad time to be a criminal.

All of these new gadgets and services are great, but what if you’re worried about your privacy? Hacks and security breaches in the news—or simply the fear of loss of privacy between family members—have made some people uncomfortable with a camera-based security system inside their home. Thankfully, you can still make high-tech upgrades to your home to keep you safe without always keeping a watchful eye.

The first option to consider is a modern twist on a classic home security setup: motion sensors. Whether it’s a motion-sensitive light on your front porch or a few sensors placed around the home, motion-activated lights and alarms can be a surprisingly effective deterrent to the average thief.

Using today’s smart home technology, it’s easier than ever to add battery-operated sensors to strategic spots around your home. Both inexpensive and easy-to-install, these new sensors can trip lights and alarms like the old ones, but can also pair with a smart home hub to send instant alerts to your smartphone the moment an intruder is detected. Take a close look at your new thermostat or other smart devices; many include motion sensors that are already built-in.

To add an additional layer of security, purchase smart door and window sensors that serve as a first line of defense from the outside world. Like the motion sensors, inexpensive models are available that integrate with most smart home platforms. It’s simple to configure open and closed alerts, but you might find it even more helpful as a passive form of home security. Worried that you forgot to close the garage door after letting the dog out? By taking a quick glance at an app while you work, you can know for sure.

Even if you rule out in-home smart cameras, do consider having smart cameras outside your home so you can see if packages are delivered and if there are any trespassers in your yard. The most well-regarded systems now include location-based privacy features that use your smartphone to automatically adjust their settings, offering an unprecedented combination of privacy and security. Using the GPS signal from your phone, it’s easy to activate your full security network when you leave the house, and have the cameras automatically turn a blind eye the second you pull in the garage.

Security is personal for every family. Explore your device options, and even ask your internet service provider if they offer a home security solution, as bundling services often results in additional savings. Likewise, your ISP may offer the ability to control all of your existing home security gadgets from a centralized app. Whether you install array of sneaky sensors or smart locks, there are a wealth of connected home devices that can help keep your family safe without betraying their privacy. A good night’s sleep is only an app away.

Source: Coldwell Banker Blue Matter Blog

Posted on September 12, 2017 at 3:36 pm
Kappel Gateway Realty | Category: Alexa, Apps, burglary, crime, gadgets, insurance, real estate, safety, security | Tagged , , , , , , , , , , , , , , ,