In the spirit of my favorite holiday, Independence Day, I have decided to give you the top ten reasons owning your own new home can bring YOU Independence!
10. You can paint the walls any color your heart desires without worrying what the landlord will say!
9. When you build your own home you get to choose what kind of design features you want to have in your house to really reflect your style. Like cut burber carpet? Its yours! What about those beautiful granite countertops? Yep that’s an option too!
8. You have your very own backyard available to throw a perfect Independence Day BBQ. No small apartment decks. No asking your parents if you can use their place. Nope! It’s just you, a couple of your favorite people, a grill and YOUR back yard to enjoy!
7. When you rent a place your rent seems to climb and climb every year, not so with a fixed rate mortgage. You know what your payment is, not to mention you get tax benefits for owning a home. All this equals more reliability, more equity and financial FREEDOM!
6. You remember that cute little cuddly puppy in the window? You know the one with the waggly tail. Well you don’t have to worry about asking your landlord if you can have one. No pet deposit either. So I sure hope that puppies for sale!
5. Hang those pictures to your heart’s content. No longer do you need to worry about loosing your deposit because it’s your house and you can put pictures up if you want to!
4. With the new tax credits there has never been a better time to own a home! When else will someone give you $8000 to buy a home? With $8000 you have the FREEDOM to go on vacation!
3. When you buy a NEW home you usually get a home warranty, meaning if anything goes wrong, you are covered. You are now free to breath easy. ;)
2. Speaking of breathing easy… Many new homes use the newest technology and the best and “greenest” building materials. In fact Campbell Homes is a 100% Energy Star tested builder! Now you can feel comfortable knowing you are living green, not to mention saving a little green on your utility bills!
1. When you own a home its all about freedom. Freedom to decorate and design your home as you please. Freedom to have your own yard to play in and plant whatever flowers you want. Freedom to put big welcome mats out, BBQ on YOUR patio, throw parties without upsetting the people who live downstairs and to all around own a piece of the American Dream… I just love freedom!
Happy Independence Day everyone!
If you have any questions about the homes that Campbell Homes builds please feel free to contact me, Kelly Noble, at knoble@campbellhomes.com or check us out online at www.campbellhomes.com. You can also follow us on Twitter or Facebook for the most up to date information about Campbell Homes.
Thursday, July 2, 2009
10 Reasons Owning a New Home Can Bring You Freedom
Saturday, March 22, 2008
The dream of owning a home…
When I was a little girl I was known as a BIG time dreamer. I could make up all kinds of fantasies of princes and princesses in my mind. As I got older my dreams didn’t fade they just became goals. At the age of 13 I set several goals for myself and I was far to strong minded to not get what I wanted out of life….don’t kiss a boy until I was 16 (Check, on my birthday), get good grades in High School (Check), go to college (check), Travel (looking at 10 countries and counting now, Check) and even finding a career I truly loved (finally, check!)…but it was not until I entered the home building industry as a New Home Consultant for a National Builder did I realize the value of owning a home, and let me tell you I HAD to have my own home!
At first people told me it would be impossible because I was only 25 at the time, single, and just started off my career from college. But being the big dreamer that I was I not only convinced everyone I could do it and got them all on board but in May 2006 I signed the papers that would make me the owner of my very own 4 bedroom 3.5 bathroom home!
The reason I tell you this story is that anyone who has the dream of owning a home can own a home all they need is some support and a path to get them to their goal. You might not be able to buy your home the very day you decide you want one, but if you put your mind to it and work hard to build your credit, save a little money, and talk to the right people to help you do these things, you to can own your own home.
Home ownership is part of the American dream. It’s a status symbol of “making it”. But keep in mind that your first home is not always your “dream home”. My first home is not my dream home but it met my needs and because I invested smart and researched the right builder option for me I was able to find a home that not only met my needs but when I go to sell this home I will be able to transfer the equity I made to the next home which will be a little bit better then the one I have now.
Statistics show that in a lifetime the average person will own 4-6 homes and not until their 4th home will it be considered their “dream home”. I might have a few houses to go before I reach dream status but at least I have the goal in mind to reach my “dream home”.
Have you been dreaming of home ownership and don’t know where to start? There are several steps to take before looking into purchasing a home…
First of all check your credit. Borrowers who have a credit score over 700 are usually offered more financing options and a better rate but do not let a lower than 700 credit score detour you. I have seen people with credit scores in the 500s purchase homes. The idea is you need to prove that you have credit, you pay your bills on time, and how long you have had your credit. A mortgage advisor or Realtor can also help to discuss your credit options with you when it comes to buying a home. In fact most mortgage companies will pull your credit for a small fee and also can do a free prequalification.
The next thing you should do is find a Realtor. Realtors are experts in the business of helping people find homes. Just make sure your agent has your best interest in mind. If you happen to be looking for homes in Colorado Springs I have a whole lot of contacts I can give you. Meet with a couple of agents and DO NOT SIGN ANYTHING until you have decided that is the agent for you then you will sign an agreement stating that this person is your representative. Also you should know that as a buyer you do not have to pay for your Realtor but the seller will. So its basically free help for to you find what you are looking for. When I purchased my home I used BJ BURNS who was amazing in meeting my needs. Now you don't NEED a realtor to buy a home but its always helpful to have an expert on your side.
The third thing would be for you to BE REALISTIC. Again your first home is not your dream home; it’s just the home that meets your needs. It takes time to get to the “dream home" status, but that does not mean you don’t have to like where you will be living just know you can’t have it all on the first run…
There are several steps to home ownership but the important thing is you have the goal and the dream in mind. If you happen to be looking for a home in Colorado Springs, CO or if you have some general questions about home ownership please feel free to contact me and I would be more than happy to help you make your dream a reality!
And as always Campbell Homes has been making the dream of homeownership since 1965 so I always encourage you check us out at http://www.campbellhomes.com/
