Ayelet Gilad

Alpharetta Living, Real Estate and Community


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Loved The House? Be Ready To Make An Offer!

In continuum to my previous post on how in today’s market, buyers should be ready to compete, I wanted to stress again to all the home buyers out there that the highest and best offer is not usually the seller’s strategy when it’s not a short sale or foreclosure transaction. I’ve seen buyers, debating and going back and forth between themselves on whether they should put an offer on a house they loved; they weren’t mentally ready and as a result they missed the opportunity to get the house they loved. Because they were hesitant, even though they put on great offer, they were late! The seller already accepted another offer and this is just a missed opportunity.

I totally understand that buying a house is a big commitment, it’s probably the largest purchase you’ll ever make and it’s an emotional and stressful process. BUT, you should trust your gut and your real estate agent, especially if they have shown you again and again that they care about you and the transaction.

It’s a tough market out there now, so be ready to make an offer. Want to discus your real estate needs over coffee? Contact me now!


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Are You Leaving Us?

Are you leaving the metro Atlanta area? Are you relocating to another state?

Often people think of their real estate agent as a hyper local person and source of information. However a great professional can help you when you relocate as well.  I have a solid network of trusted and wonderful connections outside the metro Atlanta area.

Contact me when you start the process as I can most likely put you in touch with a local professional that can help you reach your real estate goals in your future new home town.

Don’t wait for the sad goodbye call…give me a call today at @ 404-245-7172  to find out how I can be of help! After all, I’m always here to help, even if you’re leaving us here 🙂

 


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I’m “Looking” For Deals!

Everybody wants a deal! I mean – who doesn’t? But what does a deal mean to you?

All the time, I hear: “I want a deal”, “I want to buy a foreclosure or a short sale”. But is a foreclosure a deal? It might have been true 2 years ago.  In the past, when banks listed houses on the market, they priced them based on their interior condition, but their exterior condition, and most often their interior condition, still needed repairs. Many times the cost of these repairs brought you to market price anyway. So what do you think? What is a deal or not? It probably was if the repairs cost you less than what the bank thought they’d cost. My point is, that you shouldn’t buy a house that is foreclosure just for the sake of buying a foreclosure. Today, the banks learned their lesson, they list fewer foreclosures at a time, and they price them closer to market value even if repairs are needed.  Since the inventory is so low, buyers are willing to pay more for a foreclosure or “a deal” even though the bottom line shows it’s not a real deal.

Still not convinced? Contact me today to learn more about the most up-to-date real estate market trends in the metro Atlanta area.


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On Mortgages, Lenders And Everything In Between

Do you really know your mortgage company? Is it so important to know who your mortgage lender is BEFORE you start a transaction with them? Hell YEH! This is so keen, I wish I could emphasize this even more!

How much stress can you pile on a home purchase? A LOT! It is such an emotional and stressful process anyway, so why not reduced it a bit in advance? Trust me – it’s totally worth it to have one less thing to sweat about.

As the market shifts to seller’s market, and the regulation are loosening up a bit, you see more mortgage brokers returning, as well as new ones, entering the business claiming they can get you a mortgage.  But since they’re not established or experienced enough you can become a victim! Please be aware of all the new and less known lenders – you won’t get your mortgage, lose money and even the house you wanted! As I mentioned above, purchasing a home is a very emotional process and you have to get into it with logic in mind. This is why you need get your mortgage from a reputable company (ask me for referral) and you have to it before you start looking at homes.

Especially in this market, if you see a house that is very relevant for – you have no time to lose. You need to be ready with your pre-approval letter, be aware of all the costs (like closing costs, escrow etc.). Working with someone that has no solid reputation,  may lead to delays in closing and even eventually losing the house you really wanted to be your home. This is why I highly recommend to all my clients that the first and foremost important thing you should do when you decide to buy a home is to get your mortgage; and I don’t mean just pre-approved mortgage based on your credit score, I mean give the lender all the documents (like W-2, tax returns, etc.). I saw in the past, when the pre-approval is only based on credit history, sometimes, when you submit all the documents they will reveal your real financial situation and your mortgage might not be approved.

As I write about often in my blog, there’s plenty possible pitfalls when you’re buying a house, and when you work with me and with a reputable lender, we can make sure to avoid them and have a smooth, less stressful transaction.  Call me today @ 404-245-7172 to see how I can help you!


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Why Choosing The Right Selling Agent Matters?

While choosing the right agent is a key thing, making sure they are part of the top office is not less important!

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The Gilad Home Team is proud to be part of the Keller Williams Rawls group.  You should know that while the whole market had 4% decrease in home sales, the KW Rawls group sales increased by 47% in December 2012! We out-preformed all the other real-estate agencies in the metro Atlanta area.

Our reasons for success stem form the fact that we’re super professional and make a point to know exactly what’s going on not only in the metro Atlanta area as a whole, but specifically in each specific region and neighborhood. Our knowledge is hyperlocal!

As you know, Buckhead is a different area than Roswell, and Smyrna is different from Alpharetta. Every area has its own characteristics and housing market statistics. Don’t let the post-cards you get in the mail from some real estate agents fool you! To get the real information

Call me at (404) 245-7172  or contact me to find out what’s going on in your area/ neighborhood  and get the real information that matters to you!


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Moving: How to Hire the Pros

 

If you are selling, buying or relocating, whatever the case is – you’ll need to move! So we though the following tips might be useful to you.

Have you ever noticed how busy your friends and family members become on your moving day? Can you blame them? Moving is tough, manual labor. The only reason that folks might be willing to help is in the hopes you’ll reciprocate when it’s their turn to move.

Being able to round up enough people to help with the move is just one consideration when determining whether to hire a moving company or just do it yourself. Here are a few other considerations:

  • Time: How much time do you have to devote to the move? If you’re relocating because of a new job and you’re on a time crunch, professional movers will save you a lot of time.
  • Distance: How far away are you moving? Interstate moves involve a lot of driving with possible overnight stops along the way. Do you feel safe leaving your belongings in the parking lot overnight?
  • Money: If you’re on a tight budget, a full-service mover may be out of the realm of possibility for you.

 

Types of Moving Companies

Moving companies have evolved from the days when the massive truck pulled up to the house and loaded pre-packed boxes and furniture for the move to a new location. Today, you have a number of choices to consider when hiring moving assistance:

  • Pack it yourself and hire professionals to load and deliver.
  • Hire professionals to pack, load and deliver. Some companies offer unpacking services as well.
  • Hire a professional with a truck. You pack, you load and he drives.

 

Of course, like most things in life, the more services you desire, the more you’ll pay.

Choosing a Moving Company

Finding the right moving company for your needs is probably one of the most challenging aspects of the moving process. Ask friends, colleagues and family members for a referral. If that doesn’t work, the National Association of Realtors® suggests that you choose a mover that is a member of the American Moving and Storage Association (AMSA).

Interview representatives from several companies and ask lots of questions:

  • Ask about the moving company’s responsibilities if items are damaged while in their care.
  • Are employees bonded?
  • Verify the mover’s license.
  • Check with the Better Business Bureau for complaints against the company.
  • Don’t accept telephone quotes. The only way to get an accurate quote is for the mover to assess your situation in person.
  • Ask for an itemized breakdown of all fees the company charges and explanations of any that you don’t understand.

 

Federal law requires movers to supply you with the booklet: “Your Rights and Responsibilities When You Move.” In it you will find information about your mover’s responsibilities and how to make the move go smoothly.

Additionally, the U.S. Department of Transportation (DOT) warns consumers to never sign a mover’s blank documents. These papers are binding contracts and should be read thoroughly before signing. If there are blanks, other than one for the weight of your items, line them through or refuse to sign until the blanks are filled in.

For help with choosing a mover and information on how to protect yourself and your belongings during the move, visit the DOT’s website.


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A NEW Homeowner’s Guide to Securing Home Insurance

Today we are featuring a guest post by Jessica Hartley of Gillman Insurance sharing their advice for first home buyers. It contains some great advice! Happy reading,

Ayelet Gilad


Congratulations, you’re purchasing your first home!

You’ll finally be able to paint your kitchen the standout color you’ve dreamed about, make a new key without duplicating a copy for your landlord, and proudly answer “Yes!” to the question, “Are You a Homeowner?”

While it’s easy to get swept up in the excitement of this first-time purchase, the process can become very overwhelming when it comes to working with your Real Estate Agent, Mortgage Broker, Banker, Attorney and a Georgia Home Insurance agent.

As a result, your metro Atlanta home insurance problem solvers at Gillman Insurance share a few tips to help with the process. After all, we aim to make every insurance experience as painless and problem-free as possible!

1. Look for a 5-Star an Independent Agency

 

When consumers shop for the best value of airfare, they’re likely to look at more than one airline. The same applies to insurance. Much like the airline negotiators that represent multiple airlines and present online shoppers with the “best deal” available, an independent agent can offer the same advantage.

Independent agencies represent multiple insurance carriers, so instead of trying to sell you one policy from one carrier (crafting “your needs” to match the policy), they have the flexibility to shop the market and find your match (crafting the policy to match your needs).

When choosing an independent agency, take a look at online reviews. More and more, customer reviews are playing a vital part in purchase decisions and can act as a great indicator as to whether or not a particular agency will be there when you need it.

2. Look for VALUE, in addition low rates

Insurance isn’t an “apples to apples” game when it comes to comparing Home insurance coverage. Homeowners are flooded with the mass-media idea that “low price” indicates great value—but this is a dangerous misconception. At the end of the day, you want low price AND the right coverage. After all, you purchase insurance to protect you. If there’s no depth of legitimate coverage, you’ll end up paying for protection that won’t actually protect you, which makes no sense at all.

3. Be aware of Replacement Value Vs. Market Value

Using “Market Value” as a home value indicator when securing home insurance is a big mistake.  Unfortunately, market value reflects depreciation and/or the original cost of building your home—oftentimes by means of low-cost, bulk-supplies and labor purchased by a construction company. Thus, it’s important to use “replacement value” when insuring your home if you’re looking for a policy that will get you back to where you were before a loss occurred.

4. Understand your Home and Personal Insurance Options

–       Homeowners Insurance: a form of property insurance that is designed to protect your home against damages to the house itself, and/or possessions inside the home. Home insurance also typically provides liability coverage against accidents. While this insurance covers most scenarios where loss could occur, some events are excluded such as earthquakes, floods, etc. It’s important you speak with your agent to determine if these additional coverages are suggested for your situation.

–       Auto Insurance: a form of protection designed to cover losses resulting from owning and operating an automobile. Losses may involve damage you cause as a result of accident to people or property and/or medical expenses incurred due to an accident.

–       Inland marine or “floaters” Insurance: this policy is designed to cover personal property deemed to be easily movable. If the owner’s property is lost, damaged or destroyed, this policy would cover the reimbursement. Examples of moveable property include electronics, jewelry, furniture or antiques.

–       Umbrella Coverage: a liability insurance policy that protects the assest and future income of the policy holder above and beyond the standard limits of his/her primary policies. It is distinguished from excess insurance, because it only goes into effect when all underlying policies are exhausted.

–       Life Insurance: a coverage plan is essentially a contract between the owner and insurer, stating that the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual’s death or other event (such as terminal illness).

–       Disability-income insurance: a form of insurance that protects the beneficiary’s earned income against the risk that disability will make working (and thus earning income) impossible. This coverage includes paid sick leave, short-term disability benefits and long-term disability benefits.

5. Take Advantage of Multi-Policy Discounts

You can save upwards of 40% on your personal insurance premiums by combining your personal insurance policies, including home, auto, umbrella, inland marine and more. In addition to getting better value for premium paid, you’ll start building a good insurance history by keeping your policies in one place—which can be leveraged when your agent negotiates your coverage and rates.

Most importantly, find a reliable agent that you trust! Your agent should act as your right arm when it comes to securing the best value of coverage for less, and keeping your policies in-line with your life changes along the way.

Request your FREE coverage assessment by contacting Gillman insurance Problem Solvers today! We make it easier to secure the most reliable coverage for less—just fill our Georgia Home Insurance online form or call 678.297.7977 to speak with a specialist!

Please Note: The content of this blog is provided for informational purposes only. It is not intended nor should it be viewed as legal advice. No one should act or refrain from acting on the basis of any information in this website without seeking the appropriate professional counsel on his or her particular circumstances. Additionally, no one should secure or dismiss insurance coverage on the basis of any information in this website without seeking an appropriate professional counsel on his or her particular circumstances.  Although every effort is made to provide accurate and useful information, Gillman insurance Problem Solvers and any third party contributor(s) assumes no legal liability for the accuracy, completeness, or usefulness of any information disclosed on this site.