BILL SAVAGE | Orange Park Real Estate, Fleming Island Real Estate, Green Cove Springs Real Estate


The home selling journey can be long and time-consuming, particularly for those who are listing a residence for the first time. Lucky for you, there are many quick, easy ways to avoid the danger of becoming a "typical" home seller, i.e. someone who lacks the skills and know-how to generate plenty of interest in his or her property.

Now, let's take a look at three tips that you can use to become an expert home seller.

1. Review the Current State of the Housing Market

The housing market often fluctuates. As such, a buyer's market today may quickly morph into a seller's market tomorrow.

Ultimately, an expert home seller will allocate the necessary time and resources to learn about the current state of the real estate market. He or she will be able to identify housing market patterns and trends and collect extensive real estate market data to map out the home selling journey accordingly.

To learn about the housing market, take a look at some of the houses that are currently available in your city or town. Evaluating available houses in your area will allow you to find out how your residence stacks up against the competition.

Also, assess the prices of recently sold residences in your region. This may help you differentiate between a buyer's market and a seller's market.

2. Analyze Your House's Interior and Exterior

For a home seller, it is paramount that his or her residence makes a positive first impression on potential homebuyers. And if you enhance your house's interior and exterior, you may be able to boost your chances of a quick, seamless home sale.

A property appraisal usually represents a great starting point for home sellers. This appraisal involves a full evaluation of your house by a property inspector. Then, you'll receive a report that outlines your home's strengths and weaknesses and will help you plan any home improvement projects.

Also, it is important to remember that there are many simple ways to upgrade your home's exterior and interior.

Home exterior improvements like mowing the front lawn and clearing dirt and debris from walkways can make a world of difference in the eyes of homebuyers.

Removing clutter from your home offers multiple benefits as well. De-cluttering allows you to free up space inside your residence as well as get rid of unwanted items.

3. Collaborate with a Real Estate Agent

There is no need to navigate the home selling process on your own. Fortunately, you can hire a real estate agent to help you remove the guesswork as you proceed along the home selling journey.

A real estate agent understands what it takes to promote your residence to large groups of potential property buyers. In fact, he or she will set up property showings and open houses, offer honest, unbiased home selling suggestions and respond to your home selling queries at any time.

Don't settle for an "average" home selling experience. Instead, use the aforementioned tips, and you can become an expert home seller in no time at all.


Finding out the quality of furniture at a furniture store can be difficult. Product descriptions are written with the goal of getting you to buy. What’s more, floor sales employees will boast about the quality of their “genuine bonded leather,” how easy it is to clean and how long it lasts.

What many people don’t know is that words like “genuine” don’t mean “real” leather, but rather a grade of leather. Genuine leather is, in fact, the second worst type of leather in terms of quality and durability.

To help you avoid this and other blunders at the furniture store, we’ve written a simple guide to furniture leather that aid you in making the most informed decision possible the next time you’re at the furniture store. After all, furniture is expensive, and you want to make sure you get the best option for you and your family.

Leather grades

Bonded. The most basic thing to understand about leather are the grades. At the bottom of the list, or the lowest grade leather, is bonded leather. The word “leather” is actually generous in this scenario because bonded leather is really made up of fragments of leftover leather that have been glued together (or “bonded”) with latex or poly.

Bonded leather is often used for furniture because large items like sofas require so much of it. Manufacturers won’t soon tell you just how much of the sofa is comprised of leather and how much of it is composed of latex, so be wary of spending a lot of money on bonded leather furniture.

Genuine. Genuine leather, also known as “corrected grain” leather has artificial grain applied to its surface. This top grain is designed to increase the visual appeal of the leather by changing the texture and pigmentation to create different colors.

While genuine leather is a step above bonded leather, it is also subject to wear as the surface isn’t true leather.

Suede. Suede is a type of “split grain” leather, meaning that the top of the piece of leather has been removed and sanded forming the soft, suede texture and color we are all familiar with.

Top and full grain. The highest quality leathers are top and full grain. Top grain has had the split removed which makes it both easier to work with as well as softer and more flexible. Full grain, on the other hand has not had the split removed and is often unbuffed and unsanded. It isn’t as common to see this type of leather used in furniture because the imperfections are often removed in favor of a more visually congruent leather. However, since full grain hasn’t had any layers removed, it is easily the most durable type of leather.

Shopping tips

Now that you know more about the types of leather, here are some tips for when you hit the furniture store.

  • Each manufacturer may use their own numbering system for grading leather, so don’t count on them being accurate.

  • Treated leather, in spite of seeming lower quality, may be more resistant to stains and thus preferable for a family with kids and pets.

  • Leather furniture that has received minimum treatment and includes the top grain requires specific cleaning. Don’t attempt to condition the leather with oils like you might a leather shoe that has been subject to the elements. Rather, use warm, damp, soft cloth to wipe down the leather every month or so. Soaps and cleaning solutions can do more harm than good to quality leather.


The spare room. How is it that they always seem to be a catchall for random household items and never quite turn into a useable room? If you’re tired of walking by your spare room and it’s dismal mish-mash state keep reading for tips to turn it into a room you’ll be excited to use. Art studio. Whether you were born with a paintbrush in hand, haven’t touched one since high school or have always wanted to learn how an art studio can bring creativity into your life and home. Invest in an easel and a paint set to get started. But be sure to cover the floors for easy clean up! Unless that is you want to go for the splattered look. Reading room. Turn your spare room into a cozy reading nook by installing floor to ceiling bookshelves and some reading chairs. Create a room others will envy by building a window seat snug between two bookcases. Add ambiance with thick, ornate curtains and a plush area rug. Music room. Have you been longing to learn piano or guitar for years? Set your spare room up to be a practice space by installing soundproof walls and adding some instruments. Hooks on walls to hang your growing guitar collection or a small bookshelf for sheet music will keep your room neat and organized. Crafting room. If you have more craft supplies than you know what to do with you would probably benefit from a craft room. By dedicating space to your hobby you can organize your projects to be picked up at will and safely stored when you are ready to dive back in. If you have more than one craft you prefer you can even set up station dedicated to each one throughout your room. Add a cozy sitting chair for knitting or needlepoint or a large desk for scrapbooking or sewing. Playroom. Give your kids a space of their own by creating a playroom to store all their toys and have ample room to play with them. The extra space allows you to add fun playtime extras like a rug with a racetrack printed on it or a large dollhouse. A playroom also helps kids transition from playtime to other activities throughout the day. Movie theater. If you are a movie buff consider turning your spare room into the ultimate home movie theater experience. Large reclining chairs with cupholders add the comfort of the movie going experience. Pick up a screen projector and popcorn machine to recreate that theater feel. Home office Don’t let the extra space your spare room offers go to waste. Clear out any clutter that’s built up over the years and dedicate it to a new hobby, a long loved pastime or a place for your family to gather and spend time. Your options are endless so get creative and then get to work!

640 Longcrest Ln, ORANGE PARK, FL 32065  

Residential
$199,900
Price
4
Bedrooms
2
Baths
Very nice 4 bedrooms home on culdesac with huge backyard..plenty of room for a pool. Hardwood flooring in common areas and new carpeting in bedrooms. Living room with dining area, large family room with fireplace. Master bath with tub, separate shower, and dual sinks. Nice covered patio with private backyard. Very well-kept home on a quite street.


While buying a home is a huge decision that should entail a lot of planning and preparation, applying for a mortgage can be surprisingly easy. Just like with other lenders and creditors, a mortgage lender will want to know that letting you borrow money will be a safe investment. Applying for a mortgage is all about ensuring just that.

In today’s post, we’re going to breakdown the home loan application process to help you have the best chances at a smooth and successful mortgage approval. We’ll also define some of the common terms used in mortgages that might leave you scratching your head so you have a better idea of what your options are.

Prequalification and Preapproval

Getting prequalified and preapproved for a mortgaged can both be helpful steps toward securing your home loan. The two terms mean two entirely different things, however.

In order to be prequalified for a mortgage, you typically need to only fill out a simple form (sometimes directly through a lender’s website). On this form, you won’t need to provide specifics or official documents.

Why is this process so simple? Well, that’s because getting prequalified for a loan doesn’t ensure that you’ll actually receive one. Rather, it is simply the first step toward finding out what type of mortgage and interest rates you could receive.

The next step after prequalification is preapproval. To get preapproved, you’ll have to fill out an official mortgage application. Your lender of choice will request a few pieces of information from you, including tax returns, proof of employment for the last two years, and a list of your debts. The lender will also perform a credit check to determine your loan eligibility.

Credit report

At this phase, lenders will also run your credit report. This is a type of “hard credit inquiry” that details your payment history, the number of accounts you have open, and other factors that help make up your credit score.

To secure the lowest interest rate possible, it helps to have a high credit score. So, in the years and months leading up to your mortgage application, focusing on building credit will pay off.

To increase your credit score, you’ll need to focus on paying your bills on time each month. You should also avoid opening new accounts within a few months of applying for a mortgage because this will count as a new credit inquiry. New credit inquiries--including applying for a mortgage--lower your score temporarily, so it’s best to avoid them when possible.

Additional paperwork required for mortgage applications

Not every mortgage application will be the same. Depending on the type of income you receive, you may need to provide different forms of income verification.

Each person will also have to claim different debts and assets. When buying a home with a spouse or partner, it’s important to consider your debts, assets, and credit scores to determine if it’s better to apply jointly or separately.




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