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Monday 7am - 7pm Tuesday 7am - 7pm Wednesday 7am - 7pm Thursday 7am - 7pm Friday 7am - 7pm Saturday 7am - 7pm

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Homes By Armelda

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United States
Schererville, IN
Homes By Armelda

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Homes By Armelda, Estate agent, 833 W Lincoln Highway, Suite 109E, Schererville, IN.

01/27/2023

A cash-out refinancing pays off your old mortgage in exchange for a new mortgage, ideally at a lower interest rate. This is best for people looking to stay in their home for at least a year or people looking for a large amount of money for a specific purpose.

A home equity loan gives you cash in exchange for the equity you've built in your property as a separate loan with separate payment dates. This is best for people who need access to a reserve of cash over a period of time rather than upfront.

Everyone's situation is different. To really know what is best for you, I'd recommend a consult call with me. I can go over all your options based on what outcome you're looking for. Reach out to get a call scheduled!

01/26/2023

Two big reasons why winter is a great time to buy or sell your home:

Inventory is low. With an already low number of homes on the market, there's typically even less during winter. This means fewer bidding wars and competition. There are plenty of homes listed around the holidays that may command more money, even if the inventory is limited. If you play your cards right, you may even be able to sell your home quicker than the ones listed in the spring.

Winter buyers are typically more serious. If your house is up for sale in the winter and someone is looking at it, chances are that person is serious and ready to buy. They're not going to go house hunting just for the heck of it during these colder months.

Make your move before the market does!

01/25/2023

Mortgage closing costs are fees and expenses you pay when you secure a loan for your home. These fees are different and in addition to your down payment.

These costs are generally 3 to 5 percent of the loan amount and may include title insurance, attorney fees, appraisals, taxes and more.Not sure how much to set aside? Let's have a chat and I can answer your questions!

01/24/2023

If you're looking to buy, then having a slow market is what you want.

A slow market happens when there is more inventory creating fewer bidding wars and more stable pricing.

2022 was definitely a seller's market but 2023 might not be. My prediction is that it will start as a seller's market but transition into a buyer's market by the middle or end of the year. I say this due to the rising mortgage interest rates and economic uncertainty.

Of course, I will stay updated on all the shifts and will let you know if any of these changes!

01/23/2023

What is needed to prove self-employment to a lender?

- Two years of personal income tax returns
- Two years of business tax returns, including schedules K-1, 1120, & 11205
- Business License
- Year-to-date profit and loss statement
- Balance sheet"

Do you have everything you need to get a mortgage loan as a self-employed?

01/22/2023

It is absolutely possible to close faster than the national average of 48 days. You'll need a very straightforward mortgage and no complications with the sale to do so.

That's where my experience comes in. Here are ways to speed up the closing process:

1. Know your paperwork requirements. Check out my post at the beginning of the month to know exactly what you need.
2. Always be honest with your lender. If there is anything you are trying to hide, your lender will find it. Avoid the back and forth.
3. Use pre-approval to speed up closing time. This will help you sign the final paperwork sooner once you make an offer.

This is why you need a real estate agent to expedite the process and make it as efficient as possible!

01/21/2023

Out with the new, in with the old. Have you noticed this shift? People have embraced secondhand as a way to create their own unique decorating style.

People are tired of the cookie-cutter, basic decor. They want something that makes them feel unique. Thrifting statement pieces will be all the rave this year since it's environmentally and budget-friendly.

01/20/2023

Help me find my new favorite restaurant!

I love exploring the neighborhood and have found lots of hidden gems... but I can only explore so much.

Let me know, what is your go-to restaurant in town? Tag them in the comments so we can all check them out!

01/19/2023

The cold months and lack of sun can be harsh on the immune system. Try out these wellness shots to give yourself a boost and stay healthy through this season!

Ingredients:

1 large orange 3 medium satsuma 1 medium lime 1 medium carrot 2 tsp ground ginger, fresh grated**

Recipe:

1. Peel the ginger. Peel and wash the carrot. Using a normal handheld grater or a food processor with a grating capability, grate the carrot and the ginger into small bits.

2. Juice the orange into a large measuring jug. Juice the lime and the satsumas. Add the citrus juice, the grated carrot and the grated into a smoothy blender. Mix until all ingredients are fully combined. Depending on the blender you are using, the result will be smoother or slightly pulpier.

3. You can take your shot with bits if you like, or you can use a sieve to remove all bits from the juice. Store in the fridge and take one wellness shot every morning.

01/18/2023

When was the last time you asked for a credit limit increase?

01/17/2023

A lot happens between signing a contract to buy a home and closing on the home.

First, your mortgage underwriter process begins. Then the lender orders a home appraisal and you hire a home inspector.

After that, a title company researches the ownership history of the home. Followed by money starting to flow into both directions (in an escrow account) to pay for these services.

Keep in mind each step can take a few days to a few weeks.

01/16/2023

What's the first thing that came to mind?

Let me know in the comments!

Address

833 W Lincoln Highway, Suite 109E
Schererville, IN
46375

Opening Hours

Monday	7am - 7pm
Tuesday	7am - 7pm
Wednesday	7am - 7pm
Thursday	7am - 7pm
Friday	7am - 7pm
Saturday	7am - 7pm

Telephone

+12194022220

Website

facebook.com

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