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Showing posts from 2018

Unexpected Expenses

It's common for Sellers to consider offering a home warranty or protection plan to make their home more marketable. A growing number of homeowners are now purchasing this type of protection for themselves to limit the unexpected expenses of repairs and replacements.

A home protection plan is a renewable service contract that covers the repair or replacement of many of the components in a home. Some homeowners especially like the convenience that it organizes a qualified service provider as well as the cost of the repairs or replacements.

There are a variety of companies that offer home warranties and the coverage may differ but the majority of things will include heating, air conditioning, most built-in and some free-standing appliances, as well as other specific items. Additional specific coverage may be available for other items like pool and spa equipment.

Some investors are even placing this coverage on their rental properties to limit the amount of repairs during …

A Buyer's Journey: A Visual Guide

Here is a little graphic that I think is really helpful for those who might be looking at buying. It helps you understand the process more fully. It really isn't just 'see houses, put in offers, move in' as some people seem to think!

So take a look and enjoy. And if you have questions, you can connect with me by email at therealestatepastor@gmail.com  and I will be happy to answer any questions I can, or find answers for you!
DK


A Look at Roofing Options

When my wife and I bought our home in 2015, one of the things we wanted to know about, as may do, is the condition of the roof. There is nothing more frustrating than making a major home purchase and then finding out that you have to immediately pump thousands of dollars into it because something wasn't in a good, usable condition!

Of course, there are property disclosures that help us avoid that scenario, and those are helpful. But when it comes to your roof, even if it's in great condition today, one good hail or wind storm could potentially change that! Even without that kind of misfortune, your roof takes a beating much like the skin on your hands. Every day it takes the full force of the elements, so eventually it will come to the point of needing to be updated, maintained, or replaced.

That happened to a neighbor this past fall. When it did a group of men showed up and did something I'd never seen before... they put a metal roof on the house! Working at a church, I …

Real Estate Safety

The National Association of Realtors puts out a series of informational videos that are very helpful for both those in the industry as well as potential buyers and sellers. This one about safety is one that I think is good to watch because sometimes we don't understand why an agent does something they do or asks us to do something... realize it isn't about making things difficult for you, it's about keeping you safe and keeping us safe!

Enjoy this video, and as always, if I can help you with information, or if you are thinking about buying or selling, connect with me today!



-Devin
therealestatepastor@gmail.com



Tips for Emergency Evacuation Planning

As I write this post, there is a lot of flooding in our area (I try to stay ahead and have posts ready to go in advance!). It's been raining for the majority of the past week across much of the area, and the ground is saturated. The rivers and streams are reaching flood stage. The news and local authorities are suggesting that people near waterways and in low-lying areas be ready to evacuate if needed.

No one wants to have to evacuate due to an emergency. Many people never consider needing to. That is a mistake.

I can remember the floods in the early 90's along the Mississippi River that caused major flooding, wiping out entire towns. My home was safe in the middle of a field, but the town where I went to school sits along whats called the Sangamon River. I remember being 10 or 11 and asking to go help fill sandbags to surround our one and only grocery store as the water crept closer and closer.

Having a plan on what to do and where to go in the event of an emergency, specifi…

5 Fights Couples Have When Buying a House

When my wife and I bought our home in the Northern Kentucky area, it was quite an experience. We had a great Realtor® with whom I am now privileged to work. I can only imagine the things he must have thought about us, showing up to look at houses with our two young boys, talking about if a room was big enough...what was that smell...why would they put the switch over here...

Ah, those were the days!

Thankfully, we didn't actually fight (that I remember) about anything considering a house. We both had a concept together of what we wanted, and a price range. And outside of those things, I didn't care as long as she was happy. No really, I didn't! As long as I could have air conditioning and hot water, I was good!

However, that is not the experience everyone has.

Today, I am actually going to share a link that will take you to Realtor.com. The article was written earlier this year by Stephanie Barth, a writer, and contributor to several publications. She took this concept of…

4 Questions to ask a prospective Real Estate Agent

Ready to buy a house? That's Great! Interested in selling your home? Awesome! Before you sign a listing agreement or enter into an agency agreement with a broker to help you find a home, consider asking a few questions of the prospective real estate agent o help make your home-buying dream come true. After all, a real estate salesperson and their brokerage should be fully on your side in order for you to get the best service and peace of mind in your buying or selling process. But not all real estate agents are created equal. Some focus only on one side of the market such as a buyers agent who only helps those looking for homes. It is good practice, as you would with any major purchase, to do a little research and ask some questions! In fact, may season brokers I've talked to, and many who I follow through their YouTube Channels, recommend interviewing at least three agents before deciding who you want to work with for one of the single most important purchases of your life!  …

The Question Of Tragedy

There is a lot of tragedy in this world. As a Pastor, I've seen a great deal of it up close. Children who die of SIDSMothers taken away from their families by cancerA Teenager gone to a drunk driverThe grandparent lost to dementiaThe national mourning after a mass shooting in another schoolThe person stunned coming home to divorce papers and an empty closet
Often, when these things happen people respond in one of three ways: They break down emotionally (becoming depressed, often)They lash out in anger (doing destructive things like using illegal drugs or drinking heavily)They look for a reason and ask 'WHY?'
Sadly, we know the consequences of the first two actions lead to more pain. But even more sadly, often the third option does as well. Usually, it's because we ask the question of the wrong people or from the wrong perspective, and end up getting the wrong answers.
For instance, last summer I traveled to conduct a funeral for a woman who had been my secretary years …

What Do "I" Pay When Buying or Selling?

One of the common things that everyone wants to know when they are ready to negotiate the final contract for a home is "what do I pay for and what does the other party pay for?"

It's a great question!

The short answer is almost everything is negotiable.

The longer answer is that there are several fees and expenses that go into buying or selling a home. For a seller, you can't just think about the price in terms of how much money you want to get. You have to think about things like:
~Do you owe money on your home still?
~Do you have improvements that will need to be made to make your home marketable?
~How much do you need to be able to move into another home, condo, or apartment?

These factors and more will help determine your selling price (not necessarily your LISTING PRICE!)


For a buyer, you don't just want to think about buying in terms of 'how much house can I afford' because what you can afford on paper could be different from what you can actually …

Introduction to Your Credit Score

Credit is important when it comes to buying a home. Unless you are a cash buyer, you're going to have to qualify for a loan. Being able to qualify  is determined by a number of factors, and certain lenders use different criteria. But all of them are going to look at your credit report and credit score to see your credit history and determine how likely you are to be able to pay your bills, including the mortgage.

For anyone coming in with little understanding of credit, there are several places to go to get the basics. I personally use Credit Karma as a free way to keep on top of my credit reports. I like them because they provide information that is updated regularly by two of the three major credit bureau. In an age of cyber security, hacking, and identity theft it is awesome that the Government has taken steps to help people access their credit report free once a year... but I personally don't feel like that is enough for me.

So, even though I have to deal with their partn…

What Makes Up A Mortgage Payment (Video)

Today, I am sharing a short video from Bank of America that breaks down what goes into your total mortgage payment. I share this, because some people get confused when they are told that their total mortgage payment includes more than just principle and interest.

I like this series of videos from Bank of America called "better money habits" as they have some really good general advice and info in them.

Before sharing the video, know that I share this because of the information and my belief in it being help for for anyone who might be starting the process of looking to buy a home, or just better understand how their money is spent. I am not provided any compensation from Bank of America or any consideration. However my wife and I do have a checking account with their institution. I share that in the interest of full disclosure.

Enjoy this short video, and know that if I can help you in any way as you prepare to buy or sell, I'm easily reachable at therealestatepastor@gm…

Fair Housing Facts

Basic Facts About Fair Housing (HUD)
The information provided today is available with more detail and additional information online from the Department of Housing and Urban Development, located here: https://www.hud.gov/
1.)What Housing Is Covered? The Fair Housing Act covers most housing. In some circumstances, the Act exempts owner-occupied buildings with no more than four units, single-family housing sold or rented without the use of a broker, and housing operated by organizations and private clubs that limit occupancy to members. 2.)What Is Prohibited?In the Sale and Rental of Housing: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap: Refuse to rent or sell housingRefuse to negotiate for housingMake housing unavailableDeny a dwellingSet different terms, conditions or privileges for sale or rental of a dwellingProvide different housing services or facilitiesFalsely deny that housing is available for inspecti…

Fair Housing PSA

This video is a little dated, but it gets the point across. Commentary isn't really needed by me here.


Have you ever experienced anything that bothered you or you felt was in some way discriminatory? Leave a comment about your experience (consider your language or your comment will be deleted for being vulgar!) or send me a message at therealestatepastor@gmail.com 

DK

My Deal With Drains

Last year my wife and I noticed that the drain in our kitchen was starting to get very slow. Over time, despite cleaning it out and running extra hot water, it reached the point of being completely clogged. Eventually, we had to call not one, but two plumbers to get the issue totally fixed, because it turned out we had a level 5.

The stuff coming out of our drain pipe literally looked just like the stuff in this picture:



Makes you want mashed potatoes, right?

And I won't even tell you how vile it smelled. Thank the Good Lord for my wife's stash of essential oils and multiple diffusers!

Now, our problem was pretty serious, and one that had been building up (literally) for decades. Long before we moved into the house this issue existed down the drain (HA!). And the first plumber who used his auger really was a big help in giving us an understanding of what was happening and getting us on the path to clear pipes.

Unfortunately, he couldn't do all the work in one day, so we h…

Creating More Flow...From Your Showerhead

Recently I stepped into the shower, as I try to do every day (hey, I have three kids and two jobs, so if I get a day off no promises) and I noticed something was off. My usually comforting rainfall shower head was acting more like I'd walked into a slight drizzle than an actual rainfall.

My first reaction, honestly, was panic. "SOMETHING IS WRONG WITH THE WATER PRESSURE!"

Of course, I imagined everything from we didn't pay the water bill and it was being shut off to a waterline leak to my hot water heater had exploded and my basement was flooding...all in a span of about 10 seconds. Thankfully, none of those were the cause of my pitiful shower. The culprit was a buildup of deposits inside the shower head itself.

Even more thankfully, this common problem can be easily fixed.

Now, I am NOT what one would call a very handily person overall. I know how to hammer and measure, but I do those only when my wife instructs me to. But this fix is so simple, you can be even les…

Property Basics: Easements

When you go to sell your home, or when you are looking to buy, you might find certain situations in which a property has an easement. But what does that mean, and how can it have an affect on you and the use of the property?

Well, the short answer is that it depends on the type and purpose of the easement. A utility company, for example, might claim an easement on the edge of your property to run new sewage lines or power lines. This could result in the loss of space, or just temporary loss of space and use while the new utilities are installed and usually aren't a problem.

But there are other types of easements that could have a greater impact on you. While these situations are not common in most situations, understanding what an easement is and how it can affect you is an important consideration as you look to list or look to buy.

So, take a look at this video, which is produced by US Law Essentials. My sharing of this video is for informational purposes only, and is not an end…

6 Apps You Should Be Using

For better or worse, smart phones and technology are here to stay. 
Of course, it’s not all bad. In fact, there are several great apps out there that can keep us informed, connected, protected, and make us more productive. 
Here are 6 of my favorite and most used apps. (None of these are paid endorsements, they’re really just great apps that I love!)

Weather Bug. So much better and more detailed than the basic weather app on my phone. I love Weather Bug!
Marco Polo- A teenage told me this was an ‘old person’s Snapchat’. Whatever. I turn 35 this year, I'm not old. Maro Polo lets you send video messages to friends, even groups, and it saves the video so you can go back later for reminders. I literally use this app every day now.

Tiny Scanner- Go ahead and buy the pro version (I got it for .99) if you plan to use it regularly, but the free version lets you send a few scans. It’s great if you need to send docs quickly, keep receipts for taxes, or just want a PDF copy of things. And it save…

Baggage

August was traditionally a time for me as a Children's Pastor to prepare for kids going back to school. I carried that tradition into being a Lead Pastor as well for several years, and we would hold special Back-2-School Bash events with free food, free backpacks, and a few times even free laptop computers!
The purpose and goal was always to be a blessing in our community, have some fun, and point to Jesus.
My purpose today is the same! I want to be a blessing to my community, both as a real estate professional and minister. I want to have some fun, because life is too short not to. And I want to point to Jesus, because one thing I know is that when life ends, you can't take your cars or houses or bank accounts with you!
So, as we get close to the back to school season, let me take a moment and share this short, fun, and impactful message that I shared at a back to school event a few years ago to several hundred students and their families.
Enjoy!


Reconsider Doing These Updates If You Plan To Sell

When you are starting to think about selling your home, if you're like most people, you're going to walk around and look at things that might need some attention. You may even decide that you want to invest a little money into improvements to make your home worth more and more enticing to propective home buyers.

That's a perfectly reasonable thought, really.

Personally, before I was in the real estate business and my wife and I were looking to buy our first home, she went in looking at things like space for the kids and to entertain and how functional the kitchen was. I went in asking what I was going to have to pump into the house to fix or update things after we bought it!

The reality is, if you want to put your house on the market, you're most likely going to have to update your hot water heater if it was installed when Ronald Reagan was President! But what about the things that provide 'glitz' and 'glamor' that might seem like they'd bring a great …