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The 5 C’s of Credit and What They Mean for Your Home Loan

by Heidi Winston, RE/MAX Lifetime Achievement Recipie

You’ve researched the neighborhood and spent hours scouring listings online. You know the best zip codes and school zones and are ready for the next step in the home buying process – getting pre-approval from your mortgage lender.

There is a lot that goes into determining if you qualify for a loan, but most traditional lenders will consider these five categories:

  1. Character

Your credit score will tell lenders about your character and your credit history. Do you pay your bills on time? Are your accounts in good standing? If your credit score is poor, you should focus on improving it before applying for a home loan.

  1. Capacity

This category measures your ability to pay back your loan. Your income, and your job stability, will come into play here, as well your debt-to-income (DTI) ratio. Your DTI is calculated by dividing total recurring monthly debt by gross monthly income. A ratio over 36 percent could mean you’ll pay more interest or that you will be denied a loan. If your DTI is over 36 percent, you should focus on lowering it by paying down your current debt, not taking on more debt and avoiding big purchases, such as a car, on credit before you buy a home.

  1. Capital

Capital refers to the money you have, or will have, to purchase your new home. Buyers with a down payment will have a better chance of obtaining a loan but a down payment is not a necessity. There are various loan programs that do not require a down payment.

  1. Collateral

In the case of home loans, collateral is the home itself. If you default on the mortgage, the bank will seize the home – this is why a home appraisal is almost always required before obtaining a loan.

  1. Conditions

Is it a buyer’s or seller’s market in your area? What is the current interest rate? These are conditions that can impact home prices in your area as well as your ability to get into a home.

Getting pre-approved for a home loan can be intimidating, but it doesn’t have to be. Make sure to work with an experienced, full-time agent who can help guide you through the process.

Contact Heidi Winston of Winston Realty Group for all of your real estate needs. For more information or to schedule a showing, visit www.winstonrealtygroup.com or email Heidi@WinstonRealtyGroup.com. Once you work with us, you'll be glad we're your real estate professionals.

Save the Date: Cultural & Special Events in the Las Vegas Area

by Heidi Winston, RE/MAX Lifetime Achievement Recipie

There is plenty going on around Las Vegas all the time and this time of year is no exception. Here is a sampling of events taking place between now and the end of the year. 

The Smith Center

Nov 3 - Glass, Mozart & Bach
All Throughout Nov: The Lion King
Nov 23 - 24: Whitney, Celine & Shania - 3 Divas, 16 Grammy's, 1 Voice
All Throughout Dec:  The Nutcracker

The Springs Preserve

Nov 2 - 4: Dia de Muertos
All Throughout Dec: Springs Preserve Holiday Express
Dec 25 - 31: Christmas Tree Recycling

The Brooklyn Bowl

Nov 1 - 3: Three Night Pass - The Disco Bisquits
Nov 10 - Underoath
Nov 16 - Billy Gibbons

Dec 1 - Fortunate Youth
Dec 8 - Sammy Johnson

The Pearl Theater

Nov 2 - 3: Blink 182
Nov 4 - Maxwell

The Cosmopolitan of Las Vegas

Nov 2 - 3: Amy Schumer and Friends
Nov 10 - NF
Nov 26 - Date Skate: Willy Wonka and the Chocolate Factory

Dec 3 - Date Skate: A Christmas Story
Dec 4 - National Lampoon's Christmas Vacation
Dec 5 - Second Annual Tree Lighting Ceremony
Dec 15 - Kip Moore & Jon Pardi
Dec 19 - Ariana Grande
Dec 31 - Imagine Dragons

Lake Las Vegas

Oct 31 - Adult Halloween Cruise

Contact Heidi Winston of Winston Realty Group for all of your real estate needs. For more information or to schedule a showing, visit www.winstonrealtygroup.com or email Heidi@WinstonRealtyGroup.com. Once you work with us, you'll be glad we're your real estate professionals.

Image courtesy of 12019/pixabay.com

 

Change the Life of a Shelter Dog this October

by Heidi Winston, RE/MAX Lifetime Achievement Recipie

You can become a dog’s superhero this month-October is Adopt-a-Shelter-Dog Month! You have the power to change the life of a shelter dog by welcoming a new fur-baby into the family. The American Humane Society first established October as the national puppy-loving month to help more than seven million animals currently in shelters seeking fur-ever homes.

If you’re not convinced that adopting from a shelter is the way to find the perfect pooch, we’ve done the research to change your mind.

Don’t shop at a pet store when it’s easier than ever to adopt a fur-baby from a shelter or rescue – over 50 percent of cats and dogs in shelters are never adopted-save a life and support future animal rescue efforts. Also, don’t believe the misconception that shelter dogs have behavioral issues, the Humane Society reported that most shelters are 25-30 percent purebreds! If there is a certain breed of dog you are looking for, search the breed rescue groups in your area too.

If the landlord says no pets allowed, maybe it’s time to buy your own home where you make your own rules. More than three-fourths of Americans in their 30s own a dog according to a recent report and millennials now represent the largest demographic of homebuyers, so it’s no surprise that first-time homebuyers add a pet to the mix when purchasing their first house.

After factoring in the added costs many landlords impose on rentals in the form of deposits and pet fees, it turns out owning a home may be cheaper than renting. Just think, you could give your new fuzzy-faced animal his very own backyard to run around in and I can help you with that.

Find a shelter or rescue near you with the ASPCA’s Shelter Finder to start your search. If the search to add a pup to your family has you thinking about upgrading to a home to call your own, you’ve come to the right place! I will work with you to help you find the right home for you and your and your pet. 

Contact Heidi Winston of Winston Realty Group for all of your real estate needs. For more information or to schedule a showing, visit www.winstonrealtygroup.com or email Heidi@WinstonRealtyGroup.com. Once you work with us, you'll be glad we're your real estate professionals.

Come Around to Color

by Heidi Winston, RE/MAX Lifetime Achievement Recipie

The current trend of designing your home with grays, gray-ishes and now greiges (a gray-beige mix) may make it more difficult to be inspired to add a pop of color to your living space. RE/MAX recommends that you start small with an out-of-the-way, made-for-color room like a kid’s bedroom or entertainment room.

Customize Your Interior
There’s no need to go shopping for something new when you can use what you already have. Don’t be afraid to add a bright green picture frame and add in a couple of colorful pillows, artwork and rugs that complement the decor. Suddenly-you’re a master at color! Our friends at Apartment Therapy offer a tour of The Most Colorful Home in London (Possibly the World) for further inspiration.

Make a Statement 
Dramatic color can help you make a bold statement in your home. Find the perfect accent wall in your home that visitors will see as they first enter your house. Paint color says a lot about someone’s personality-make your favorite shade speak for you.

Start a Collection
Whether it’s pillows, dishes or vases – a colorful collection shows a coordinated look. Or curate a gallery wall that adds color and personality. Find some inspiration and start collecting.

Stop to Smell the Flowers
Flowers go with anything. By adding flowers to your home, you can instantly add a pop of color to any room and the beautiful scents are just a bonus. Don’t make it hard, shop local or just pick up a bouquet the next time you take a trip through your grocery store.

Ready to try your hand at a new color palette in a new space? Visit www.winstonrealtygroup.com so we can help you find the perfect new space to add a splash of color.

Contact Heidi Winston of Winston Realty Group for all of your real estate needs. For more information or to schedule a showing, visit www.winstonrealtygroup.com or email Heidi@WinstonRealtyGroup.com. Once you work with us, you'll be glad we're your real estate professionals.

4 Ways to Get Your Fireplace Ready for Fall

by Heidi Winston, RE/MAX Lifetime Achievement Recipie

Is there anything cozier than snuggling up beside the fireplace in fall? With the whisper of cool fall air coming soon, staying inside and watching the crackle of the fire in your favorite comfy spot is the probably something you have been thinking about. The thought of fresh pumpkin spice everything, warm apple pies and a fuzzy blanket to curl up in is enough to get the firewood ready right now!

Before you start sipping on the cider, get your fireplace ready for fall with these four unique ideas from RE/MAX.

  1. Add fire to your fireplace
    Get creative! You can go as simple as a candle sitting on the mantel – to different sized candles in glass containers at different heights. The sparkle and the yummy scents will bring dimension, style and great smells to the room and help your fireplace feel like the epicenter of all things fall. Pro tip: try the Brown Sugar Chestnut Candle to get your house smelling extra nice for the season.
  2. Signs are in!
    You can’t go into a store today without seeing a customizable sign. Take a simple frame with slots for letters and spell out your favorite quote. Or, go a little deeper and get a chalk style board, adding your personal touch with handwriting and design. Add a family saying, your favorite verse from the song you can’t stop singing, or just a word of encouragement will lighten up the mantel and bring smiles all around.
  3. Fall Flowers
    Dress up your mantel with festive fall flowers. From the dollar store to a ritzy florist, you can find the orange, yellow and rustic brown hues you desire. Grab an old mason jar as a vase and start putting together the fall colored flower arrangement that is sure to grab any guest’s attention. Pro tip: string together some fake leaves and wrap them around the edge of the mantel to pull together the entire look!
  4. Pumpkins, everywhere!
    No fall mantel would be complete without a traditional pumpkin or 12 sitting strategically across the top. With fake fruit or real, the traditional look of a few beautiful orange pumpkins on the mantel captures the epitome of fall. Aside from pumpkins, is the idea of switching out the ordinary for a different, yet equally seasonal move. Change out the pumpkins for apples! A subtle switch can give your mantel the envy of neighbors.

Looking for more fireplace fun? Check out this blog on how to keep your beautiful fireplace safe this fall!

If you are in the market for a house that comes with the perfect fireplace to curl up next too, you’ve come to the right place – reach out to us at Winston Realty Group because we will only recommend what’s right for you.

Contact Heidi Winston of Winston Realty Group for all of your real estate needs. For more information or to schedule a showing, visit www.winstonrealtygroup.com or email Heidi@WinstonRealtyGroup.com. Once you work with us, you'll be glad we're your real estate professionals.

Blog courtesy of RE/MAX. 

10 Random Acts of Kindness

by Heidi Winston, RE/MAX Lifetime Achievement Recipie

More than anyone, RE/MAX understands that real estate is local. In a business as community-driven as ours, building a supportive community is in everyone’s best interest. Wouldn’t you like to be a good neighbor? First proclaimed by President Jimmy Carter in 1978, National Good Neighbor Day, celebrated on September 28, is an easy way to recognize human understanding and build strong, thriving communities-RE/MAX found some great ways you can show your community that you care.

  1. Tape a buck. Grab a roll of tape and stick a dollar or two to the vending machine in the breakroom with a note that says, “This one’s on me.”
  2. Big tipper. Doubling the normal tip amount on your dinner bill is an easy way to put a smile on your waiter or waitress’s face.
  3. Pass the java. Cover the order of the person you see in your rear-view mirror in the coffee shop drive-thru.
  4. Bake a batch. Who doesn’t like to be greeted with enthusiasm when you walk into the office? Carry in a big batch of sweet treats to help your coworkers get through another Tuesday.
  5. Let someone cut-in. Go ahead! Make the day of that young mom with three screaming kids. You’re in no hurry, let her cut ahead of you in the long line, just this once.
  6. Pocket change. Find the nearest parking meter and drop in a few quarters as a treat for the next person that must feed the meter.
  7. Visit your loved ones. When’s the last time you stopped by the cemetery to visit family or friends who have passed? Pick some wildflowers to brighten up someone’s gravesite.
  8. Offer to help. If you see someone in the grocery store parking lot who needs help with loading their groceries in the car-help them out! Bonus points if you return their cart to the store.
  9. Hold the door. What’s the hurry? Wait a longer amount of time than you normally would to hold the door for someone walking in a little bit behind you.
  10. Leave a note. Stick a note or a piece of scrap paper with a motivational quote to the bathroom mirror to spread positivity and kindness.

If you have been looking for a new home in a neighborhood that values community — reach out to us at Winston Realty Group

Contact Heidi Winston of Winston Realty Group for all of your real estate needs. For more information or to schedule a showing, visit www.winstonrealtygroup.com or email Heidi@WinstonRealtyGroup.com. Once you work with us, you'll be glad we're your real estate professionals.

Blog courtesy of RE/MAX. 

Just Listed - 5544 Green Ferry Avenue, Las Vegas! Offered at $389,999

by Heidi Winston, RE/MAX Lifetime Achievement Recipie

Awesome home. Two RV Parking Spaces, one in the front and one behind the gate. Large pool and spa with oversized stucco covered patio with two ceiling fans. Two waterfalls spill from the spa to the pool. Four bedrooms and spacious loft, two full bathrooms and one half bath. Large kitchen with granite, maple cabinets, new backsplash, newer stainless steel appliances and HUGE walk-in pantry. Kitchen offers a great view of the backyard pool and spa. Kitchen nook offers great space for everyday dining.

Family room offers great space for relaxing, play room for kids or space for your pool table. A spacious living room and powder room complete the main level. New wood floors, new carpet and diagonal tile. Freshly painted. New baseboards. Spindle staircase. French doors lead into the spacious master bedroom, which also features a private balcony and a large walk-in closet. The master bath offers dual sinks, a soaking tub and separate shower. Ceiling fans in all of the bedrooms. Stainless refrigerator and front load washer and dryer are included.

Desert landscape. New Kinetico water softener. NEST System. Security cameras. Low maintenance landscaping. Large concrete pad in the backyard provides lots of options. Super large covered patio with three ceiling fans and a private backyard with lots of room for enjoyment. Great location near parks with walking trails and kids play area, shopping, 215 freeway and Creech and Nellis Air Force Bases.

For more information or to see more photos of the home, click here

Contact Heidi Winston of Winston Realty Group for all of your real estate needs. For more information or to schedule a showing, visit www.winstonrealtygroup.com or email Heidi@WinstonRealtyGroup.com. Once you work with us, you'll be glad we're your real estate professionals.

Displaying blog entries 1-7 of 7

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Contact Information

Photo of RE/MAX Central Realty Real Estate
RE/MAX Central Realty
Heidi and Michael Winston
8921 W Sahara Ave, Suite A
Las Vegas NV 89117
Heidi: 702-277-6599
Michael: 702-219-8692
Fax: 702-974-2288