Give to Those in Need During the Holidays

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For many, the holidays are a time of family reunions, hearty meals, gifts and laughter. For others though, the winter months can be bleak. That’s why The Mortgage Doctor is asking you to take some time out this holiday season to help out the less fortunate. Whether you give food, money or time, you can bring joy to those that most need it.

The Omaha area has many different organizations that help those in need. The following are just a few. Just click on each link to discover how you can help.

-          The Salvation Army

-          The Open Door Mission

-          Toys for Tots

-          Goodfellows

If you have any questions about how you can help those in need this holiday season or if you have any mortgage needs, feel free to contact me at (402) 301-4500. The Mortgage Doctor asks you to open up your wallets, pantries and hearts!

Who Said Buying a Home in the Spring Is Better Than Buying in the Fall/Winter?

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Other than the age-old trend of people buying homes more so in the spring season as opposed to the fall and winter, there really is no reason that one might choose one season over the other. Sure, there may be more homes on the market – but equally there are as many more buyers circuiting the market too.

The question prospective buyers ought to be asking themselves is whether or not they would prefer buying a home that is right for them regardless of the time of year or does it just suit them more to buy when it’s warmer outside?

Spring Is In the Air – And So Is Much More Competition

Many buyers like to be out shopping for a new home at a time that they feel there are a lot more homes on the market. But one very important thing to consider is that there are equally as many other buyers out there also looking. And with a greater number of buyers at any given time, there’s a good chance you will come across more buyers looking for the same type of property that you are seeking.

So when the perfect home shows up on the market, in great condition and priced just right – you guessed it – more than one buyer will likely show up to make an offer on it. What does that do to your chances of securing the home of your dreams? Having multiple buyers vying for the same property dilutes your chances a good amount. Not only will you find a greater likelihood of competing against another buyers’ bid but you will also face the risk of multiple offers and ultimately a bidding war. Despite the low, low interest rates, the last thing any buyer wants is to deal with artificially inflated prices.

Real Estate Market in Fall and Winter Slows Down But Doesn’t Stop

Contrary to what many people believe, the real estate market does not stop during the cooler months of the year – rather it just slows down a little. But this can work in buyers’ favor when you consider that there is fewer buying competition to contend with. Yes there are fewer homes on the market since the same people that believe springtime is a better time for real estate also remove their homes from the market. However, with fewer sellers there are also fewer buyers which means that when you do find the perfect home there is a much better chance at successfully closing the deal – and without all the hoopla that goes along with multiple offers or bidding wars.

Consider also that by the time the holidays begin to roll around, many sellers have had their property on the market for one, two or even more months and they are eager to sell. This translates to their willingness to negotiate more than ever before.
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With today’s record setting low interest rates and with them the very low cost of borrowing money combined with increased buying power, it only makes sense to jump off the fence and embark on your home buying journey. We invite you to contact us today so we can begin helping you find your perfect home.