Showing posts with label Home Buying. Show all posts
Showing posts with label Home Buying. Show all posts

Thursday, October 9, 2014

Creating Your New Home Wishlist

Before your new home search begins, let's take a moment to sit down and go over what you are looking for in your next home. It is important to sit down and decided your features vs amenities. These two factors are important to helping you find your next home. Your features are you needs and amenities are more of your wants.  It helps to know what you are looking for in your next home so that together we can find your perfect home. Contact me and together we can go over your new home wishlist. 


To help clarify features vs amenities, I have created a short example list of both. 


Features 
  • Age of the Home: Do you prefer a historic home or a newer construction?
  • Style: Do you want a ranch, bungalow or another style of home? 
  • Bedrooms: How many? 
  • Bathrooms: How many? Do you want them updated? 
  • Kitchen: How big? Updated? Open to other rooms in the home? 
  • Square Footage: How big do you need your home to be? 

Amenities
  • Fireplace
  • Pool
  • Patio,Deck, Porch
  • Sprinkler System
  • Security System 
  • Workshop/Studio

Wednesday, September 17, 2014

Great News for First Time Homebuyers

I am happy to announce that First National Bank now offers a grant program available for first time homebuyers.  First time homebuyers might be eligible to receive up to $3,000 to use towards their down payment and/or closing costs. (the grant is $4,000 but has $1,000 in fees for the grant, so the net is $3,000 to the buyer )
 Borrowers are required to take a homebuyer education class which costs $99.  This class can be taken in person or online.  Both class options take approximately 8 hours.
 The grant is a 5 year forgivable loan, no payments are due during the 5 years, and after 5 years the money owed is forgiven. ( if house is sold or refinanced within 5 years, then borrower has to pay a portion of the $4,000 back )
 Buyers have to make below 80% of the Area Median Income.
For the Omaha Metro, the max household income is the following:
1 -2 Person:                        3+ Person:
$58,000                                 $66,800
 The grants are approved by a 3rd party and it will take at least 60 days to close with a grant once I receive an accepted purchase contract.
 This is a great product for first time home buyers that do not have the down payment, can not get a gift, or do not qualify with the additional NIFA HBA loan payment.

  Please contact Nick  Zwiebel with First National Bank Mortgage Division with any questions.  He can be reached by phone at 402.602.5263 or email

Tuesday, September 16, 2014

September Newsletter


September 2014

NP Dodge... part of the fabric of OUR community for over a century and a half.
Visit the NP Dodge Real Estate website

Did You Know


Did You Know? According to RealtorMag, one-third of all real estate purchases in 2013 were made by single home buyers. With 75% of single home owners ages 25-50 saying home ownership is important to them, this statistic should come at no surprise! Click here to read the full story!   Did You Know? Builders in Omaha are looking to build outside of the city limits. Due to the affordability of land and the lack of inventory, small towns outside the Omaha city limits become a great option for home building. Read the article published buy the Omaha World Herald, featuring our own Mike Riedmann, here.

Fall Planting Reduces Stress on Plants and Gardens


source: Cornerstone Home Inspection 
source Cornerstone Home Inspection

Omaha Real Estate Market in Review - August 2014


A quick update on the Omaha real estate market for you. We have a pretty balanced market as we reach the end of summer, meaning it's still a good time to buy or sell a home in the metro area.  Here are the numbers from August:   
  • Closed Homes: 1,171. 
  • Average days on market: 43 days, up 7 days since August.
  • Inventory: 3.2 months, at 3,754 active units.
  • List-to-sale ratio: 98%
  • Interest rates: trending around 4.125%
The Omaha market in review is looking pretty good.  Sellers are getting just about everything they're asking for, and buyers should be able to expect to have their closing costs covered if the deal is negotiated properly. If you are interested in buying or selling a home in this great market, don't hesitate to give me a call or send an email. 

Fall is on the way...




Now is the time to start preparing your yard and gardens for the coming fall season. Here are some steps to get your yard ready for the change in seasons.
  • Remove heavy leaf buildup, sticks and other debris from your garden beds and lawn
  • Cut back remaining perennials and remove debris around them
  • Dust mulch lightly on all planting beds, and till vegetable garden
  • Clean and put away patio furniture
  • Set up and fill bird feeders
  • Aerate, and fertilize your lawn, trees and shrubs
  • Make the last mowing of the season a short cut and empty the gas
  • After leaves have fallen, check and clean gutters and make sure your chimney is clean
  • Drain and store garden hose
(Next month... Winterizing Your Home!)

Featured Properties

4511 Krug Avenue
Omaha, NE

Main property photo
You will be delighted when you step into this inviting 2 bedroom, 1 bath home in the Robin Hill Subdivision. Beautifully - refinished hardwood floors through-out the main floor, including both bedrooms and ceramic tile in the kitchen. The lower level offers a finished family room that is ideal for gatherings. The fenced in backyard features a well manicured lawn. The home has been updated with new furnace and air conditioning in 2012, new roof and siding in 2013. Home also has a security system.
FULL PROPERTY DETAILS »

Kristi Creger

Sales Associate

402.689.4159
CONTACT ME »
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Kristi was outstanding in every sense of the word. She was very professional and answered all my questions politely and throroughly.
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Friday, September 12, 2014

Omaha one of the Top 10 Cities to Live in Nebraska

Study: Best Cities to Live in Nebraska


With one of the fastest-growing economies in the nation, Nebraska is a prime destination for job seekers. The overall cost of living is substantially lower than the national average, with home prices among the lowest in the nation. If a move to the Midwest is in your future or you're interested in relocating within the state, check out CreditDonkey's guide to Nebraska's top cities.
The first thing newcomers see when they drive into the Cornhusker State are the welcome signs promoting Nebraska's "Good Life." A simple statement, it echoes the sentiment that drew the first homesteaders here in 1862 and continues to attract thousands of new residents each year. Agriculture continues to be the cornerstone of the state's economy, in both smaller rural communities and larger cities like Omaha. Part of America's heartland region, Nebraska's rich traditions and history continue to influence its modern values and way of life.

10 Best Cities to Live in Nebraska

STUDY METHODOLOGY

We compiled our rankings based on these five factors:
  1. Crime Rate
  2. Commute Time
  3. Income
  4. Education
  5. Restaurants Per Capita
Overall, Nebraska ranks well in terms of safety, but we know that crime rates can vary drastically from one city to another. Our experts looked at the odds of being the victim of a violent crime to determine which cities are the safest.
Part of transitioning to a new town means getting used to the local traffic patterns on your drive to and from work. We calculated the average commute time for each city in our study and found that the longest drive time didn't exceed 21 minutes.
As its economy continues to expand, it's expected that workers will see their wages improve. If you're moving to Nebraska to look for a job, we've determined which cities pay the best based on median household incomes. We also considered how educated the residents of each city are, as this often correlates to employee wages.
Classic Americana is the phrase that perhaps best describes Nebraska's regional fare, but if you're looking for more than just meat and potatoes, you won't be disappointed. We looked at the number of restaurants per capita to determine which cities offer the best selection of dining choices.

10. FREMONT 

  • Odds of Being a Victim of a Violent Crime: 1 in 918.7 
  • Commute Time: 16.5 minutes
  • Income: $46,064
  • Residents With a Bachelor's Degree or Higher: 18.8% 
  • Restaurants: 1 per 369 inhabitants
The family-friendly community of Fremont sits roughly 35 miles northwest of Omaha, in the valley between the Platte and Elkhorn Rivers. The city got its start as an agricultural center and agribusiness is still an important part of the local economy, along with manufacturing. Midland University also supplies plenty of jobs and is one of the fastest-growing private schools in Nebraska.
Did You Know: The annual John C. Fremont Days festival celebrates the town's history and the life of its founder.

9. NORFOLK 

  • Odds of Being a Victim of a Violent Crime: 1 in 872.1 
  • Commute Time: 13.3 minutes
  • Income: $39,836
  • Residents With a Bachelor's Degree or Higher: 23.2% 
  • Restaurants: 1 per 386 inhabitants
Part of the Elkhorn River Valley, Norfolk is one of northeast Nebraska's largest economic centers. Healthcare and food processing are the top industries, with the retail trade not far behind. Along with a variety of job opportunities, the city also offers workers one of the shortest average commutes. Norfolk's popularity among families is largely attributed to its safe neighborhoods and kid-centered attractions, like Poppy's Pumpkin Patch and the AquaVenture water park.
Did You Know: Entertainment legend Johnny Carson graduated from Norfolk High School.

8. HASTINGS 

  • Odds of Being a Victim of a Violent Crime: 1 in 437.9 
  • Commute Time: 14.3 minutes
  • Income: $44,241
  • Residents With a Bachelor's Degree or Higher: 20.1% 
  • Restaurants: 1 per 411 inhabitants
If you're in search of a quiet place to call home that still offers many of the conveniences of urban living, the mid-size rural community of Hastings may be just what you're looking for. Manufacturing is the heart of the city's economy, although agriculture remains prominent throughout Adams County. Bird watching is a favorite past time of both residents and visitors alike, with more than 250 species of waterfowl migrating through the area each spring.
Did You Know: Hastings resident Edwin E. Perkins invented Kool-Aid here in 1927.

7. OMAHA 

  • Odds of Being a Victim of a Violent Crime: 1 in 168.2 
  • Commute Time: 18 minutes
  • Income: $46,978
  • Residents With a Bachelor's Degree or Higher: 32.5% 
  • Restaurants: 1 per 397 inhabitants
Nebraska's largest city, Omaha boasts a population of more than 420,000 residents. The city's economy is one of the most diverse in the states, with the Offutt Air Force Base and the University of Nebraska among the largest employers. Aside from a booming job market, newcomers are also drawn to the city's affordable housing and a cost of living that's approximately 12% lower than the national average. There are more than 1,000 restaurants to choose from, with V. Mertz and The Grey Plume drawing rave reviews from locals and critics alike.
Did You Know: Omaha's Bob Kerrey Bridge, which connects the city with neighboring Council Bluffs, Iowa, is one of the longest pedestrian bridge projects ever constructed.

6. COLUMBUS 

  • Odds of Being a Victim of a Violent Crime: 1 in 1,126.9 
  • Commute Time: 14.1 minutes
  • Income: $48,123
  • Residents With a Bachelor's Degree or Higher: 19.1% 
  • Restaurants: 1 per 375 inhabitants
Columbus sits on the banks of the Loup River, close to the point where it joins with the Platte River. Like many of Nebraska's smaller towns, agriculture and manufacturing feature heavily in the local market and the unemployment rate is among the lowest in the state. Violent crime is a rarity, making it an ideal spot to raise a family. If you're looking for some grown-up fun, check out Glur's Tavern, touted as the oldest bar west of the Missouri River.
Did You Know: Columbus was the site of the first full dress rehearsal for Buffalo Bill Cody's Wild West Show.

5. BELLEVUE 

  • Odds of Being a Victim of a Violent Crime: 1 in 939.6 
  • Commute Time: 19.8 minutes
  • Income: $58,148
  • Residents With a Bachelor's Degree or Higher: 26.3% 
  • Restaurants: 1 per 642 inhabitants
Located less than 10 miles from Omaha, Bellevue is one of the metro area's most up-and-coming suburbs. Following a lengthy period of decline, the city saw a resurgence with the opening of nearby Offutt Air Force Base. Today, the city is thriving, as evidenced by its higher median incomes, low incidence of violent crime and moderately priced homes. The Fontenelle Forest Nature Center and Lake Manawa State Park offer ample recreational opportunities for outdoor enthusiasts.
Did You Know: Originally settled in the 1830s as a fur trading post, Bellevue is considered Nebraska's oldest continuously operating town.

4. LINCOLN 

  • Odds of Being a Victim of a Violent Crime: 1 in 251.6 
  • Commute Time: 17.6 minutes
  • Income: $49,504
  • Residents With a Bachelor's Degree or Higher: 35.9% 
  • Restaurants: 1 per 491 inhabitants
Nebraska's capital city is also its second largest, with a population of more than 265,000. Home to the main campus of the University of Nebraska, the state government offices and major companies like Bryan LGH Medical Center, Lincoln's economy is one of Nebraska's heartiest. Aside from cheering on the Cornhuskers on game day, residents can enjoy a number of local attractions, such as the Lincoln Children's Zoo, Antelope Park and the Mueller Planetarium.
Did You Know: One of the largest woolly mammoth skeletons ever unearthed was discovered in Lincoln and can be viewed at the University of Nebraska State Museum.

3. LA VISTA 

  • Odds of Being a Victim of a Violent Crime: 1 in 1,624.2 
  • Commute Time: 19.5 minutes
  • Income: $59,488
  • Residents With a Bachelor's Degree or Higher: 31.8% 
  • Restaurants: 1 per 642 inhabitants
Another suburb of Omaha, La Vista, one of the smallest cities in our rankings, continues to grow at a steady pace. Home prices are slightly higher compared to the metro area, but residents earn a substantially higher median wage and enjoy a much better violent crime rate. The commute is one of the longest, at nearly 20 minutes, but it's well worth it if you prefer a safer community with a strong emphasis on family values.
Did You Know: La Vista Daze is the city's most popular event, featuring a carnival, parade, fireworks and a community cookout.

2. PAPILLION 

  • Odds of Being a Victim of a Violent Crime: 1 in 2,433.3 
  • Commute Time: 21.1 minutes
  • Income: $73,988
  • Residents With a Bachelor's Degree or Higher: 39% 
  • Restaurants: 1 per 630 inhabitants
Papillion has earned top honors from several national publications as one of the nation's best small towns and we couldn't agree more. With a violent crime rate of 1 in more than 2,400, this bustling Omaha suburb is the safest city in our rankings. It's also one of the most affluent, with residents earning a median annual income of nearly $74,000. Top-rated schools, numerous outdoor attractions and a charming historic downtown solidify Papillion's position as one of Nebraska's best cities.

1. KEARNEY  

  • Odds of Being a Victim of a Violent Crime: 1 in 747.7 
  • Commute Time: 13.3 minutes
  • Income: $47,614
  • Residents With a Bachelor's Degree or Higher: 35.2% 
  • Restaurants: 1 per 318 inhabitants
Known as the Sandhill Crane Capital of the World, Kearney lies along the north bank of the Platte River. The strength of its economy is grounded in the education, manufacturing and healthcare industries, with the University of Nebraska at Kearney ranked as a top employer. Violent crime rates are exceptionally low and the city ties with Norfolk for the shortest average commute. The Alley Rose serves up comfort foods with a high-end twist but if you crave a taste of Thai, Suwannee is the top choice among locals.
Did You Know: Each spring, residents and visitors gather for the Crane Watch Festival to observe hundreds of thousands of sandhill cranes as they travel north to their breeding grounds.

While Nebraska's pace may be a little slower compared to other states, most Cornhuskers agree that it's one of the things that makes living here so appealing. The 10 cities we've included in our rankings are a diverse mix to be sure, but when it comes to safety, education, income and quality of life they represent the cream of the crop.
Data Sources:
  • U.S. Census Bureau, Population Estimates
  • FBI, Uniform Crime Reports
  • U.S. Census Bureau, American Community Survey
  • U.S. Census Bureau, Economic Census

Friday, September 5, 2014

Meet Nick: First National Bank Mortgage Loan Officer

   Nick Zwiebel, First National Bank

   Mortgage Loan Officer
   16909 Lakeside Hills Plaza, Suite 119
   Omaha, NE 68130 
   Direct Phone: 402-602-5363
  Website: https://nzwiebel-firstnational1lo.mortgagewebcenter.com/

I appreciate you taking time to consider First National Bank and myself as your mortgage provider. I would be privileged to assist you with your purchasing, refinancing, or home building needs.
With over 9 years of experience in the mortgage industry, I will give you the knowledge and experience necessary in making one of your largest financial decisions. As a mortgage professional, I feel it is my responsibility to educate and help you understand your options.  My goal is to ensure you get a loan program to fit your lifestyle along with making your experience simple and as exciting as buying a new home should be! I really look forward to meeting you and helping you accomplish your financial goals!

Wednesday, August 20, 2014

"LOVE IT OR LIST IT" Great tips to hlep you decide time to remodel or sell


"LOVE IT OR LIST IT" TIPS TO HELP YOU DECIDE WHETHER TO REMODEL OR SELL

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As home prices increase, homeowners have options. Some are quickly gaining back the equity they lost over the last several years. That creates opportunity to refinance, remodel, or maybe sell.
If you're sitting on the fence trying to determine whether to list your home for sale or to stay in it, consider these important tips. So according to Reality Times here are some great tips on how to 
Tip 1: Do a "Love it or List it" Analysis.
On a sheet of paper write down the things you love about your home and the things that might cause you to decide to list your home for sale. Take your time doing this. Really give every aspect of your home consideration. Do you like the neighborhood? Is it where you want to stay for a long while or even retire? Is the area or your home lacking something? Could remodeling your home be the solution?
Once you do the "love it or list it" analysis, you'll be able to identify which parts of your home are bothering your the most. With that information, you can now start to explore more options.
Tip 2: Do your research.
This applies to both options–remodeling or selling. Visit other neighborhoods that you might like to live in. Carefully explore the surrounding area, the homes, the types of people, the shops, businesses, and churches. Think about your commute. Would it be longer? Would it cost more in gas? Are there any gains to offset extra costs? Gathering these details will help you add more to your "love it or list it" analysis.
Also, invite some real estate agents to your home to get some expert advice on how much your home would sell for and how long it might take. When you get that information, it can help you determine if selling is best.
Next visit some remodeling companies. See their remodeling projects and invite their team to your house to offer their suggestions. Sometimes what a homeowner thinks is a difficult remodel is really quite simple. Of course, the opposite is true too. For instance, if a home doesn't have the supporting structure it needs, a remodel could become very complex or, in some case, impossible, which might prompt an immediate desire to sell.
Tip 3: Have your financial records in order.
Whether you decide to remodel or sell, having your financial records easily accessible is vital. You'll need these documents for both situations. Knowing what upgrades you've already done to the home will help when it comes time to sell. And, having your tax documents and other financial information on hand will help you if you decide to remodel using financing.
Tip 4: Evaluate the process.
Talk to expert listing agents and remodeling companies so that you can completely understand what to expect with both processes. If you're listing your home, learn about the marketing process, holding open houses, showing your home, what large items might need to be removed, and the overall timing of how long you'll need before you close escrow. For remodeling, get details about the length of the expected renovation. Will you be able to live in the home or will you have to find a place to stay? Will you use one firm to do both the design and build process? Often this is easier and can be less costly than using several contractors.
Take your time and pay close attention to all the details. Both selling and renovating a home are major decisions. Make sure you give the decision-making process ample time as well as compiling a considerable amount of research to make your final decision.

Saturday, August 16, 2014

Buying a new home while selling your current home

" Buying a new home while selling your current home brings a unique set of circumstances, including the possibility of paying two mortgages, living in a rental home for a short period, and bridging financing between both homes. But if your family has outgrown your current home and you are ready to make a change, consider the following tips to help the process go smoothly. Here are some great tips from First National Bank on what to consider. 
                                                                                     
4511 Krug Omaha, NE 

  • Evaluate the Market: Before you put your current home up for sale, you should evaluate the current housing market and look into the prices of houses in your neighborhood, as well as your potential new neighborhood. It’s important to get a good picture for how much homes are selling to help you determine how much you need to sell your current home to afford the home you want.
  • Get Pre-approved for your New Mortgage: In today’s credit environment, it’s important to get a formal loan commitment from your bank to guarantee successful financing for your new home and to ensure there are no surprises or hiccups along the way that can be avoided. First National Bank will help you find a mortgage to fit your situation with low interest rates. Visitfirstnational.com/mortgage or contact a mortgage specialist today at 877-687-5626 to get started on the pre-approval process.
  • Consider Purchase Contract Contingencies: If you find a new house before you have sold your current house, it may be smart to make your purchase contract dependent on selling your current house. On the flip side, if you have found a buyer for your current house but have yet to find your new home, add a contingency that your closing will be dependent on your ability to close on a new house.
  • Develop a Plan to Bridge Financing: You should prepare yourself to potentially own two houses. With that possibility comes the mortgage payment and expenses of two houses. Prepare for this by building up your savings ahead of time, or consider taking out a bridge loan. Bridge loans allow you to borrow money for the down payment on your new home based on the equity in your current home. However, bridge loans can include a variety of fees and a high-interest rate. Another option is to take out a home equity loan, and payoff the loan once you’ve sold your current home.
Purchasing a new home can bring numerous scenarios into play, depending on your personal and financial situations. First National Bank is here to work closely with you to ensure your finances are in place and the process goes smoothly during this exciting and important time."