Scott Adamson - Coldwell Banker Residential Brokerage



Posted by Scott Adamson on 11/10/2019

Smart home devices are becoming increasingly popular among U.S. property owners. Yet deciding which smart house gadgets – if any – are right for you may prove to be difficult. Fortunately, there are several things that you can do to determine if a smart home device is a must-have, such as:

1. Consider a Smart Home Device's Purpose

A smart home device that works well for one homeowner might fail to meet the needs of another property owner. If you assess a smart home device's purpose closely, you can determine if a particular gadget matches your expectations.

For example, if you are searching for a quick, easy way to keep your home's floors dirt- and debris-free, a smart robot vacuum may be ideal. This vacuum will take the guesswork out of cleaning your house's floors. Best of all, this device will allow you to speed up the process of vacuuming your house.

On the other hand, if you are on the lookout for energy-efficient lighting, smart light bulbs could provide viable investments. These light bulbs are simple to install throughout a house. Furthermore, smart light bulbs will continue to perform for an extended period of time.

2. Evaluate Your Finances

Your budget may dictate your smart home device investments. If you analyze your finances, you can establish smart home device priorities. Then, you can gradually integrate smart home devices into your residence.

It usually is a good idea to take a slow, steady approach to smart home device purchases. If you try to do too much at once, you risk spending beyond your means to acquire and install smart home devices across your residence.

3. Shop Around

There is no shortage of state-of-the-art smart home devices available at both online and brick-and-mortar retailers. Thus, if you conduct an in-depth search for smart house gadgets, you may find quality devices that won't force you to exceed your budget.

Of course, if you shop around for smart home devices, you can differentiate between average gadgets and best-in-class ones. You also can use online tools and resources to learn about different smart home devices and select gadgets that will perform consistently.

4. Keep Things Simple

Investing in smart home devices should be a fun, exciting experience – not a stressful one. If you feel overwhelmed as you search for smart home gadgets, take a step back and review your options. This may help you alleviate your worries and re-start your search for smart house gadgets with a fresh perspective.

Lastly, it sometimes helps to collaborate with family members and friends as you shop for smart home devices. Family members and friends can help you weigh the pros and cons associated with smart house gadgets. With the support of family members and friends, you could boost the likelihood of making an informed smart home device purchase.

Take advantage of the aforementioned tips, and you could pick up a wide range of smart home devices that will help you transform your ordinary house into a spectacular residence.





Posted by Scott Adamson on 11/3/2019

If you have plans to buy a house as quickly as possible, it is important to maintain flexibility. That way, you can adjust your homebuying timeline at a moment's notice.

Ultimately, there are many instances where you may need to modify your homebuying timeline, and these include:

1. You are struggling to identify your dream home.

It generally is beneficial to enter the housing market with homebuying criteria. These criteria can help you hone your house search and may be modified as you attend home showings and open house events.

Also, think about where you want to purchase a house. If you would prefer to own a home in a big city, you can tailor your house search accordingly. Or, if you want to live in a small town, you can focus exclusively on residences in areas that match or exceed your expectations.

Even with homebuying criteria in hand, however, changes to your homebuying timeline may be required. But if you remain patient and persistent throughout the homebuying journey, you can eventually discover your dream house.

2. Home sellers are rejecting your offers to purchase.

Once you find your dream residence, you may submit an offer to purchase it. Yet if your offer fails to hit the mark with a home seller, you are unlikely to receive an instant "Yes."

If you find that your offers to purchase houses are rejected time and time again, you may need to adjust your homebuying timeline. Furthermore, you may want to rethink your homebuying strategy.

To submit a competitive homebuying proposal, you should consider a house's condition and age, as well as the current state of the real estate market. This information can help you craft an offer to purchase that accounts for a variety of factors and likely will meet the needs of both you and a home seller.

If a home seller rejects your offer to purchase a house, there is no need to worry. Remember, the real estate market offers many opportunities, and homebuyers who are diligent can continue to search for the right house at the right price.

3. You have yet to find the right real estate agent.

A real estate agent may hold the key to a successful homebuying journey. He or she can help you set realistic homebuying expectations and ensure you can achieve the optimal results.

If you need to adjust your homebuying timeline, a real estate agent can help you do just that. Plus, a real estate agent will keep you up to date about new houses that become available in your preferred cities and towns and set up home showings. And if you decide to submit an offer to purchase a home, a real estate agent will help you put together an aggressive homebuying proposal.

Ready to streamline your home search? Reach out to a local real estate agent today, and you can get the help you need to pursue your ideal residence.




Categories: Uncategorized  


Posted by Scott Adamson on 10/27/2019

Photo by: NeONBRAND via Unsplash

Missing a mortgage payment is not the end of the world. Many lenders are more than ready to work out a payment plan if you’re going through a rough patch or budgetary crisis. However, you may end up doing more harm than good to your credit and home ownership if you don’t contact your mortgage lender as soon as the financial need arises.

Below are things to remember about a late mortgage payment.

1. Mortgages Come with a Grace Period

Even if you pay one day or five days after the due date, it still might not be considered late since many lenders offer a grace period of about five to fifteen days. If you want to know about your specific grace period, contact your lender for grace period information.

2. A Late Fee Will Appear

If your payment is delayed, then it will most likely incur a late-payment fee. You can expect to pay the late fee in your next mortgage payment. Work with your lender to see if you can avoid a late fee by setting up an automatic payment method or if there are other clauses in your contract to have the fee waived in extreme circumstances.

3. Damage to Credit Score

A damaged credit score is one of the adverse effects of a late mortgage payment. Your payment history is of uttermost importance as it can affect your ability to secure financing of any sort in the future. Your lender usually reports your payment history, and if you are thirty days behind, your credit score may feature “late 30” next to the loan. This mark could drastically hurt your overall FICO® score.

4. Suffer Drastic Measures

When you suffer delinquent payment beyond 90 days, your lender automatically considers you in default on your loan. If left without a written waiver or payment arrangement, they may start to take foreclosure actions against you, which could lead to more public actions and eviction from the home. There are other things that can be done to retain your home, however. Bankruptcy affords the ultimate protection until your debts can be assessed and discharged by the government but should be a last option since it can remain on your credit report for ten years.

5. The Account Goes to Collection

Your account can go into collection if you are behind your mortgage payment. In that case, you will receive a phone call or a letter from your lender about the late fee and that your account is being sent to a collection agency.

Every borrower’s situation is different, depending on credit score and payment history. If possible, avoid falling short of your mortgage payment. The earlier you make the due payment, the better it is for you, but if you’re unable to, set up an arrangement with your lender.

Still have more questions about mortgages and how to successfully nail down the right price for you? Contact me, and I’ll point you in the right direction.




Categories: Uncategorized  


Posted by Scott Adamson on 10/20/2019

When you are ready to buy a house, it pays to plan ahead to conduct a successful house search. That way, you can quickly and effortlessly navigate the real estate market and make your homeownership dream come true in no time at all.

Ultimately, you don't need to be a real estate expert to navigate the housing market like a pro. To better understand what it takes to complete a successful house search, let's take a look at three tips to ensure you can seamlessly go from homebuyer to homeowner.

1. Create Homebuying Criteria

If you plan to purchase a house in the foreseeable future, it helps to establish homebuying criteria. By doing so, you can enter the real estate market with a plan.

Think about where you want to reside. For example, if your goal is to live in the same small town as your family members and friends, you may want to hone your house search to properties in this town. Or, if you want to own a house that is close to your office in the city, you may want to pursue residences in or around the city itself.

Consider what differentiates your dream house from an ordinary home too. Thus, if you want to own a home that boasts an in-ground pool, dazzling garden or other distinct features, you should include these criteria in your homebuying strategy.

2. Get Pre-Approved for Home Financing

Lenders can help you get pre-approved for a mortgage prior to launching a home search. Then, you can establish a budget for the homebuying journey.

There is no shortage of mortgage options available, regardless of your credit score, income and outstanding debt. If you meet with banks and credit unions, you can learn about different mortgage options and select a mortgage that is sure to serve you well.

Of course, when you meet with lenders, don't hesitate to ask questions. Lenders employ friendly, knowledgeable mortgage specialists, and these professionals are happy to help you make an informed mortgage selection.

3. Hire a Real Estate Agent

A real estate agent can help you simplify your home search. In fact, with a real estate agent at your side, you can boost the likelihood of finding a terrific house at a budget-friendly price.

Generally, a real estate agent understands what it takes to pursue a home in any city or town, at any time. If you employ a real estate agent, you can get the help you need to accelerate your quest for your dream residence.

A real estate agent usually learns about a homebuyer's goals and maps out a homebuying plan. He or she sets up home showings and keeps a homebuyer up to date about new residences that fit a buyer's criteria. And if a homebuyer wants to submit an offer to purchase a residence, a real estate agent will help this buyer craft a competitive proposal.

Ready to buy a house? Use the aforementioned tips, and you can streamline your search for your ideal residence.





Posted by Scott Adamson on 10/13/2019

Your pet is an essential member of your family. Keeping him or her health will give them a longer life, and you and your family more time to enjoy their loyal companionship. Pets have health-care needs that are in many ways much like that of humans. Moving is a particular stressor for pets. They are also vulnerable to diseases that only animals can be stricken with, and preventative care is essential for helping them avoid these.

Pet wellness embraces many areas of a healthy happy pet, so learn how you can identify and eliminate pet stress to give them a prolonged, more comfortable, healthier life.

Are you surprised to read that animals have stress? Stress affects our dogs and cats and various types of pets across the board. Pet stress, just like people stress, causes health problems, decrease the quality of life, causes depression, and shortens their lifespan. For these reasons, among others, it is necessary for pet owners to practice pet wellness by identifying if their pet is stressed and using the fundamental techniques to eliminate the anxiety to increase the quality of their pet’s life.

Stress Signs

Excessive shedding: The more stress your pet feels, the more she sheds. Shedding is also frequent with poor quality pet food, poor diet, and due to genetics, or lack of sunlight. Another condition causing excessive shedding is when the pores of the dog's skin do not close all the way allowing hair to fall continuously. Your veterinary doctors can determine if it is an illness or if your pet is under stress.

Aggression: A sick or injured pet may become aggressive if approached or stroked. But if your pet experiences anxiety from being in an unfamiliar environment, your pet’s aggression could be stress-related.Lack of or no appetite: Pets that are stressed, sick, or depressed often eat less or lose their appetite altogether. Poor appetite is another area that needs to be immediately addressed by your vet.

Passive behavior: The opposite of aggression, some pets become passive when under stress. If your usually playful pet seems uncharacteristically quiet, she may be experiencing anxiety.

Itching: Itching is a sign of several things such as fleas, ticks, lice, or a skin allergy; but it can also be a sign of stress if your dog or cat is scratching more than usual. Eliminate the possibility of pests and allergies first. Then, consider what could be causing your pet’s stress.

Happy Pet Signs

- Curious

- Playful

- Shows recognition of people he knows

- Normal stools and elimination habits that are rarely disturbed

- Overall happy appearance and behavior

- A healthy appetite

Stress is not the cause for all problems your pet may encounter, but it should certainly never be ruled out. Give your pet the quality of life he deserves by ensuring his meals, treats, exercise, training, lifestyle, grooming, and environment are healthy ones and appropriate for his breed and age. Giving your pet a wholesome natural diet free from pool qualify ingredients and unhealthy additives will maintain her inner and outer beauty as well as protect her from disease. Maintain your pet’s health further by doing your level best to eliminate pet stress and enhance the length and quality of your pet’s life.

Talk to your professional realtor about homes that provide a pet-friendly environment.




Categories: Uncategorized