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Michael Stoffel
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Century 21 Showcase Blog

Thursday, March 29, 2018   /   by Jeff Stoffel

STARTER HOME BASICS ...How to own a home

What comes to mind when you picture your ideal home? A pool? Tennis courts? So many rooms that people FaceTime from opposite ends of the house instead of meeting in the middle? That all sounds great?but before you can live like Beyoncé, you have to start somewhere. We sat down with Trenton Hoggard, a CENTURY 21 agent at Wright-Pace Real Estate in Jonesboro, AR, to get the inside scoop on buying and owning a starter home.
TIRED OF RENTING?
Ah, renting. Landlords, roommates, the neighbors who seem to either loudly argue or purposely park in your driveway?it can get old pretty quickly. Here’s the good news, the difference between renting and buying a home may seem huge?especially when you factor things like student loans into the picture?but in reality, the costs are more similar than you would think. Having student debt is “not going to be a deal breaker” when it comes to buying a house, says Hoggard. In fact, Hoggard adds that the “majority ...

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Thursday, March 29, 2018   /   by Jeff Stoffel

INTRO TO FINDING A GOOD DEAL ON A HOME ...Snag your dream home before someone else does

You probably know how to find good deals on clothes, flights, and maybe even a used car. But a house? That’s uncharted territory. Fear not, future homeowner?we sat down with Trenton Hoggard, a CENTURY 21 agent at Wright-Pace Real Estate in Jonesboro, AR, for some tips on finding the home that’s right for you at a price that won’t burn holes in your pockets.


COVER YOUR BASES


Finding your home sweet home is a process that begins with knowing your credit score, finding a lender, and getting pre-approved for a mortgage. One surefire way to ensure your credit score is acceptable is maintaining a low debt balance?it should be no more than 30% of your available credit limit. Hoggard says, “show me what you think your credit score is, and this kind of tells me if a lender or two are suited towards you.” Getting pre-approved for a mortgage puts you at an advantage because it means that the lender is confident you can make th ...

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Thursday, March 29, 2018   /   by Jeff Stoffel

CREDIT SCORE FUNDAMENTALS ...How to build and maintain a good score

A credit score may only be three digits, but that number is a big deal—it can sometimes determine the course of your life. From a lender’s perspective, your credit score indicates how likely you are to repay debts in a timely manner. We spoke to Farnoosh Torabi, host of the popular financial podcast So Money, for valuable tips on getting ahead of the game and establishing and preserving good credit.
WHAT THE SCORE MEANS TO YOU
Your credit score is a major personal financial indicator that ranges anywhere between 300 points (the lowest) and 850 points (the highest). Torabi suggests aiming for a score in the mid-700s and up. Higher credit scores will earn you the best interest rates on loans. Additionally, you should pay close attention to the major factors that can harm your credit score:

Paying bills late
Racking up too much debt
Applying for several credit cards within a short period of time

It’s important to monitor your credit score regularly ...

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Thursday, March 29, 2018   /   by Jeff Stoffel

HOME BUYING FEAR FACTOR - It’s not as scary as it sounds

While the idea of buying a home may not be as terrifying as a room full of spiders or meeting your partner’s parents for the first time, it’s certainly a cause for concern for those who are thinking about taking the plunge. Thankfully, we enlisted the help of Trenton Hoggard, a CENTURY 21 agent at Wright-Pace Real Estate in Jonesboro, AR to help us debunk some well-known myths that can keep many of us from packing up that apartment for good.
IDENTIFYING THE FEAR
It’s no secret that buying a home comes with a number of fears and worries. The good news is that they are 100% common. Below are the major fears Hoggard often sees associated with buying a home. Don't worry; each fear comes with some advice on how to outmaneuver it.
Fear:
Is this home a good deal?
Debunked:
If you find yourself questioning whether or not a house is a good deal, Hoggard says “trust that your realtor has done the research necessary to show you the value in a home and to ...

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Thursday, March 29, 2018   /   by Jeff Stoffel

THE HOME BUYING PROCESS ...Cover the bases to find the home of your dreams

So, you’re thinking of buying a house? Owning a home is so grown-up and impressive. Your friends will blush and your parents will brag about you even more than they already do. You’re crushing life and if you’ve read our Home Buying Basics, you’re already up to speed on what you should know before you begin looking for that brownstone you’ve been dreaming about. If you haven't read it, go take a peek, or just check out this handy recap:

Determine your budget
Find a mortgage
Get pre-approved
Decide what you’re looking for
Contact a real estate agent

Once you have checked these items off of your list, the next step is the hunt...
THE HUNT
Ready to see what’s out there? Browsing online resources is a good place to start but a real estate agent can be really helpful. Buying a home is one of the most important decisions you will make, and there are so many things to think about. How many windows are there in the living room? ...

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