Friday, December 18, 2020

5 Festive Pop-By Ideas For Real Estate Agents This Holiday Season

The above listings are based only on either Seller's listing information or Etsy marketplace data. Top headlines from around the real estate industry. A personalized ornament is incredibly cost-effective, while still being thoughtful. Fruit bouquets are gone and forgotten in just days.

holiday gift ideas for real estate clients

Someone’s bound to ask your client where they got their bags set, and voila, your client is telling their guests all about you. You probably don’t want to get your clients the same thing year-after-year. Keep track of your gifts to avoid an embarrassing repeat. Personalized gifts such as stationery, a cookie jar, hand towels, throw pillows or a platter.

Lifestyle Gift Ideas for Realtor Clients

If you can gift your clients some holiday-themed hand towels, maybe with their initial embroidered on, it will serve as a great addition to their holiday décor every year. Rhonnda Bentz, president of the Lebanon County Association of Realtors®, pointed out the expense of giving holiday gifts to clients, and instead does pop-by gifts throughout the year. Some agents like to gift their clients with tokens of their appreciation for business around the holidays.

We have partners you can choose personalized gifts from, then our team will pack and ship it for you. Finding the best gifts for realtors to give clients doesn’t have to be difficult. Worst case scenario, go with a tasty treat for your clients to enjoy. You can include personal details such as the family’s name and the year they moved in. This ornament will be a reminder of your help, professionalism, and generosity each time they see it. Will Clauss, president of the Pike-Wayne Association of Realtors®, agreed with the pop-by gifts throughout the year, instead of one holiday gift.

Realtor Gift Ideas for Clients

“In the winter, I drop off an extra shovel and container of ice melt at their door. If they’re not home, I leave a quick handwritten note wishing them happy holidays. Since most of my buyers are second homeowners, I remind them that everyone could use an extra shovel in the Pocono winter.” Clauss also suggested pet-friendly ice melt if clients have a pup. “I have given tickets for local amusement resort, Knoebels, which both adults and children enjoy. I have also implemented small business gift cards, and give a variety of smaller amounts for various businesses to one client to spread the word of those businesses.

holiday gift ideas for real estate clients

A few of the local association presidents gave insight to their annual traditions. Creating a custom label for bottles of wine or champagne is a fun way to personalize a common housewarming gift. Check first for local wineries who offer this service or utilize an online vendor like Personal Wine. A bottle of wine is always a chic gift and personalizing the label makes it memorable. A slim majority of survey respondents who work with clients (50.72 percent) said they do not typically buy clients holiday gifts.

Gift Ideas for your Real Estate Clients Near Lexington, KY

However, purchasing a home is a huge investment. Try to take time to present a thoughtful gift. Think about creating a basket with items for the home.

holiday gift ideas for real estate clients

Eva has sent out these wireless Jabra Elite earbuds, which have incredible call and voice quality. Most recipients who have received these have loved them, for they are an absolute pleasure to use in a professional setting or even at home to unwind with some good music. If your client is an avid photographer and values creating memories, they will love Eva’s selection of cameras. “Most of these folks are in retirement homes and I know we will not be getting repeat business, but this is my way of providing happiness to these folks. It isn’t always about the business,” added Silberman. Tony Molnar-Strejcek, president of the Realtors® Association Westmoreland, Indiana and Mon Valley agreed on keeping your gift local, especially this year.

Homeowners enjoy inviting folks over for dinner parties and gatherings. Here are some gift ideas you can use to appease these clients. The first thing a client wants to do when moving into a new house is to make it feel like home. So here are some realtor gift ideas for clients that’ll help spice up the house.

holiday gift ideas for real estate clients

Create a home improvement basket with tools, gift cards to home stores, garden gloves and other around-the-house must have items. A bathroom basket may include different soaps, bath bombs, hand towels and other items. Rather than buying the tea or coffee itself, upgrade your client’s caffeine vessel this holiday season.

Any personal touch you can add to the real estate industry is a good idea! Finding holiday gifts for real estate clients can be tricky; you need something that will impress your clients, but you also need it to fit in your budget. Buying a home comes with great responsibility. Your clients now have lawns to manage and repairs to make on their own. So here are realtor gift ideas for clients centered around handy, DIY homeowners. As you’re searching for the best gifts for realtors to give clients, look into how you can make evenings fun.

holiday gift ideas for real estate clients

Buying or selling real estate can be one of the largest financial decisions you’ll ever make. Gift clients some cool technology that they can use to embrace the Internet of Things, like a Google Nest. Have a cozy throw blanket personalized with a photo of the home. Prepare your clients to host dinners in their new home with a platter engraved or printed with their monogram. You’re in the business of helping people find a place to call home.

Thursday, December 17, 2020

First Time Home Buyer Utah Home Grants

The first step in the grant process is getting pre-approved. This no money down program is specifically for those that are serving or have served in the military. Similar to the Home Again program, the Score program is for those have a score lower than 660. If you have owned a home in the last 3 years you can again qualify as a first time buyer.

davis county first time home buyer grant

Home must be purchased in Cumberland County, outside the City limits of Fayetteville. Still, if you’re in an eligible profession and your area qualifies for the Good Neighbor Next Door program, that 50% discount should be irresistible. So the amount you can receive, whether or not it needs to be repaid, and eligibility guidelines will vary hugely depending on where you want to buy a home.

Grant Programs

You can usually receive up to 5% of your loan amount, and the assistance can be paired with a conventional, FHA, VA, or USDA mortgage. First-time home buyers could be in line for thousands of dollars in grant money if they qualify. However, the amount and type of assistance vary a lot by program. So explore all your options and make sure you’re leveraging the best homeownership grants available to you.

davis county first time home buyer grant

Applications who express an interest to apply for CDBG funding will be required to attend a training in November prior to submitting an application. Information regarding the date, time, and location of the training will be provided to those applicants that provide a LOI. Additionally, the application period is expected to open shortly after the required training. More details will be provided to those that submit a LOI. The program, presently being discussed in the House, would distribute funding to states based on population, median area housing prices, and racial inequalities in homeownership rates.

CDBG-CV COVID-19 Community Response Grant (CARES Act)

Your loan application contains all the information needed to determine your eligibility. The Act aims to address multi-generational inequities in access to homeownership by providing down payment help to first-generation home buyers. It lowers and eventually reduces the racial homeownership gap in the US. For renters who have struggled to take the first step toward homeownership, a new era will begin with the passing of this bill. The Biden administration has proposed a $25,000 First Time Home Buyer Grant to assist qualifying buyers in becoming homeowners.

The grant funds received through this program will be forgiven at a declining rate over a five year residency requirement from the date of closing and will be fully forgiven after five years. Repayment will be required if the buyer sells, exchanges or transfers title, or obtains additional financing secured by the property. Are you a Utah first time home buyer looking for that first time buyer grant program, but are unsure where to begin? Is there a Utah down payment grant program that can help me with? Clearfield City - First time home buyers within income limits may be eligible for a grant of up to $7,500 which can cover up to 50% of the down payment and closing costs.

INCOME LIMITS*

First-time home buyer programs are mortgage loans and incentives that widen the pool of eligible US home buyers, sponsored by federal, state, and local governments. It is a one-time cash payment offered to qualified buyers at closing that is applied directly to the purchase transaction. Get pre-approved and let your lender advise you on which mortgage loan is best for you.

See if you qualify for state and local government grants. Other restrictions and or conditions may apply for each loan program. Similar to the First Time Buyer program, the Home Again is for those that have owned a home in the last 3 years or make to much money to qualify for the first time buyer program. Settlers Fund provides 3.5% of the purchase price of the home. After 36 on-time payments the entire grant never needs repaid.

Home buyers can use VA loans to purchase any residential property in the United States. Eligible buyers get mortgage rate discounts up to 2 percentage points below standard 30-year fixed-rate mortgage rates, which boosts a buyer’s maximum purchase price by 22 percent. Public services created to respond and/or prevent the spread of COVID that are on-going or services that are continuing at an increased level as a result of COVID-19 are eligible for CDBG-CV funding. Eligible closing costs may include, but are not limited to, appraisal fees, credit report fees, inspection fees, home buyer counseling fees, settlement and title fees, underwriting and processing fees. The standard cash award for first-time home buyers is $20,000. To qualify, buyers must be socially and economically disadvantaged individuals.

davis county first time home buyer grant

This can be used on single family detached homes, condos, and townhomes. First-time buyer programs include mortgage rate reductions, down payment and closing cost assistance programs, and federal and state tax credits for first-time buyers of homes. All first time buyers purchasing a home in Davis County may be eligible for a down payment assistance program.

Close Category Search The Category Search is arranged by topic. Click on a category in the menu below to learn more about it. Use the location bar above to find providers of these services in your area. Buyers may also be required to attend a 1-hour online educational seminar.

The Chenoa Fund allows up to 3.5% of the purchase price on 1-2 units. Three programs available from Grant/Gift, Forgivable Second or Repayable Second. Applicant must complete a HUD approved homebuyer education course and obtain a home buyer certificate of course completion.

The National Homebuyers Fund is a non-profit public benefit corporation that sponsors home buyers with up to 5 percent of a home’s purchase price. In exchange for cash, home buyers agree to live in their home and make payments for five years, at minimum. The applicant business must demonstrate a significant impact as a result of the COVID-19 pandemic to be considered for funding. Ogden City first time buyer program called Own in Ogden is a grant program that will offer $3,000 & $5,000 in down payment assistance grant in certain areas of Ogden city. If you are a Fire Fighter or sworn in Ogden City Police officers up to $10,000 can be available.

davis county first time home buyer grant

Davis County Utah First Time Homebuyer Grant Program

That would cover the entire down payment requirement for an FHA loan or a 3%-down conforming mortgage. You borrow a certain amount and repay it in equal installments over time; for example, over 10 years in parallel with your main mortgage. ÒFunds provided by the program will provide down payment and closing cost assistance. First Time Home Club is a savings program designed to assist first time homebuyers purchase a home. For every $1 a participant saves, the program will match $4 for a potential grant of up to $7,500. You can also opt for a no closing cost mortgage, where the lender covers your closing costs in return for a higher interest rate.

davis county first time home buyer grant

Home Purchase Plus is a down payment assistance program that was recently introduced to help all of Provo City increase the amount of new and first time home buyers. Layton City Grant Eligible applicants will receive $5,000 in home buyer grant money that may be used towards down payment, closing costs or principal reduction. Applicants may be eligible for financial assistance up to $5,000 may be available. The Chenoa Fund is a nationwide program offering down payment assistance to first-time buyers. This takes the form of a three-year, silent, forgivable loan rather than an outright grant.

How do I apply for the Home-Buyer Assistance Program (HBP)?

And they must be located in designated “revitalization areas," which tend to be struggling neighborhoods. ÒParticipants must complete the homebuyer education course. Participants must meet the definition of a first time homebuyer. Close Guided Search The Guided Search helps you find long term services and supports in your area.

Home must be purchased in Cumberland County, outside the City limits of Fayetteville. Still, if you’re in an eligible profession and your area qualifies for the Good Neighbor Next Door program, that 50% discount should be irresistible. So the amount you can receive, whether or not it needs to be repaid, and eligibility guidelines will vary hugely depending on where you want to buy a home.

Closing Cost Assistance Programs for Home Buyers

Career Step Up wrote this great post on the Biden first time home buyer grant which we’re republishing here. If you’re unfamiliar with the grant, this post is for you. Whatever yourview on the directionon thehousing market, whether we’re in abubbleand there’s going to be afall in pricesor even acrash, if you’re a first time home buyer, this post is for you.

Assistance under these programs may be limited as funding becomes available. Home buyers with a disability — or caretakers buying a home with or for their disabled relative — may be eligible for special assistance programs. Almost every state has its own down payment assistance program administered by a housing finance agency or other government organization. VA loans offer 100% financing for buyers with a 620 minimum FICO score.

Public Notices

Salt Lake Neighborhood Home Grant is offering $5000 for buyers exclusively in Salt Lake City. Clearfield Grant allows for up to $3000 in down payment assistance. Must follow Clearfield income limts and be a first time buyer. Davis County Grant allows for up to $5000 in down payment assistance for first time buyers. Must follow Davis County Median Income Limits and be a first time buyer.

You should also be aware that disability income may help you get a home loan. Properly documented income from government disability programs and your state’s Medicaid program will typically count when you apply for a mortgage. In other words, you can include those sources when you declare your total income to a lender. The Chenoa Fund’s forgivable loan can be up to 3.5% of your home’s purchase price.

Emergency Home Repair - In the event of needing emergency repairs with immediate concerns for health and safety, home owners may be eligible for a grant of up to $3,000 to remedy the situation. All applications must comply with the federal program requirements depending on the funding awarded for each project. The Weber County Grant program will offer up to $5,000 in down payment assistance to first time buyers. Property must be retained as principle residence by the owner for the period of affordability which is based upon the amount of HOME funds invested. The main drawback to this is that you must buy a HUD home for the 50% discount to apply; these are foreclosed homes previously financed by FHA loans.

davis county first time home buyer grant

Some restrictions apply for the manufactured, PUD and condo's, so just call us before making the offer. In order to promote energy efficiency, preserve homes and eliminate blight, home owners in Clearfield City may qualify for grants up to $8,000 to repair or improve their single family detached home. Funding will be made available to a limited number of businesses, with less than 50 employees that meet specific requirements set by the Davis CARES Program. Government entities are NOT eligible to receive CDBG public services funds. Non-profits must submit proof of existing 501c3 state to be eligible for funding.

To find your assigned FHFA first-time buyer mortgage rate discount, get a complete pre-approval, including a credit score and income check. Mortgage rate discounts for first-time buyers vary based on credit score, down payment size, and property type. A first-time home buyer grant is a cash award paid to new US homeowners. Governments award grants on the local, state, and federal levels. Charitable and housing foundations award cash grants, too. However, that 3.5% down as well as up to 2.5% of closing costs can be financed using a second loan.

davis county first time home buyer grant

ÒParticipants must sign a 5 year lien in the amount of the grant funds. The first step towards getting closing cost assistance is getting pre-approved. Five years later, if the buyer still lives in the home and has made on-time payments as agreed, the lender will write off the smaller $15,000 mortgage. The loan is forgiven, and its lien is removed from the title. The Good Neighbor Next Door Program is a US Department of Housing and Urban Development program that sells homes to first-time buyers at half-price. Good Neighbor Next Door is available to teachers, firefighters, law enforcement officials, and emergency medical technicians who want to live in the same community where they work.

Category Search

Each allows a 3% down payment for buyers with average or below credit score requirements. Home buyers should use a mortgage supported by one of the five government mortgage agencies – Freddie Mac, Fannie Mae, VA, FHA, and USDA. Jumbo mortgages, as well as other non-qualifying mortgage loans, are not eligible. Many home buyers are wondering about the Downpayment Toward Equity Act of 2021. The First-Time Home Buyer Tax Credit Act is working its way through Congress. The first-time buyer program would refund up to $15,000 in tax liability to first-time home buyers retroactively to December 31, 2020.

davis county first time home buyer grant

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