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Renovate or Relocate?

Deciding What’s Right For You.

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The time comes in every homeowner’s life when they must ask the question: “Is my home still meeting my needs?” Life events — such as a new job, growing family, or empty nesting — will make your once-perfect home less perfect as time goes on. Maybe you’re bursting at the seams and can’t fit any more relatives around the holiday table, or perhaps your once-full house now feels like an empty, open space. Whatever the reason, if you’ve realized it’s time for a change, the next question becomes: “Should I relocate — or renovate?”

The answer ultimately depends on what’s driving the change, and both choices have upsides and downsides that you should think through before taking the leap.

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Relocating: When it’s time to move on-

What makes moving the best choice? Here are some common reasons for wanting to relocate:

• Shorter commute
• Better school district or new neighborhood
• Need more square footage
• Need less square footage
• Unpleasant neighbors
• Prefer a more manageable yard
• Your financial situation has changed

Things to consider:

Can you reconfigure or add on to your space? If more room is what you need, consider whether you can get it by reconfiguring the layout. Sometimes it’s not more square footage that people need, but rather a more efficient setup. If you do need more square footage, is there room on your property to build an addition?

Would a refinance make your home more affordable? Are you paying for mortgage insurance that you no longer need? Do you have a jumbo or non-conforming loan? Do you have an adjustable-rate mortgage and would benefit from switching to a fixed rate? Refinancing may be able to help lower your payments. Contact us to discuss whether this would be right for you.

Do today’s rates and market outweigh the cost of buying and selling? It’s no secret that the market is quite favorable these days. A lot of homeowners are making the right decision to sell their home. Although, moving only benefits you if you surpass the break-even point in selling vs. buying. Selling costs may include: staging your home, agent commissions (usually around 6% of the sales price), capital gains tax* (if applicable), and other miscellaneous costs. Conversely, if you’ll be buying a home at the same time, be prepared to pay the down payment, closing costs, survey and inspection fees, etc. Talk to a Lake Area Mortgage Banker to help you calculate your break-even point. You might be in a great financial position to sell!
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Renovating: When it’s better to stay put-

What makes renovating a smart option? Here are some situations where renovating makes sense:

• Emotional attachment: You’re not ready to start over
• Don’t want to change neighborhoods or schools
• A reconfigured layout could solve your space issues
• You have space to build an addition
• Your home has some outdated features but no major structural issues
• You want to custom design a space for your needs

Things to consider:

What will it cost? Before you can answer this question, you need to have a detailed plan outlined for the type of updates you want to make. Get bids from several reputable contractors to see what it will cost you, and keep in mind that renovations often involve surprise costs once the work begins, so be sure to build a cushion into your budget.

Are the upgrades reasonable for your home and neighborhood? Be careful that the cost to make changes won’t price your home much higher than the surrounding neighborhood. Talk to a real estate agent or look on Zillow® to find out what similar homes are going for on your block. Also, be sure the changes you’re making are in keeping with the character of the home and surrounding neighborhood. An ultra-contemporary kitchen could be a big mistake in a classic Victorian home. And don’t forget to consider how much you’ll recoup financially. While it’s not all about ROI (the point is to have a space you enjoy living in, after all), try to make smart use of your investment. Not sure where to start? Check out our previous blog post: Home Improvement Projects That Pay Back.

Can you handle the change? A major remodel could take months, and depending on the scope, could require you and your family to relocate temporarily. Even without such a big change, you’ll have to deal with people coming in and out, dust, dirt, noise, and possibly loss of access to parts of your home until work is done. Can you manage that on a temporary basis? Think of the impact it will have on your daily routine and whether your family is ready to take on that extra stress. Although this will likely be an inconvenience, if you can manage it on a temporary basis, your home can be transformed into your dream – and increase your home’s value.
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Choosing to renovate or relocate isn’t always a straightforward decision. There’s a lot to consider, but as long as you weigh out the options and understand your needs, you can confidently make the best choice for yourself and your household.

Whether you’re ready to move or update your current space, Lake Area Mortgage can help you find the home financing to turn your dream house into your home. Contact us today to get started!

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*Lake Area Mortgage is not a tax advisory firm. Consult your tax preparer or advisor for more details.
Any above referenced trademarks are property of their respective owners and are not affiliated with Lake Area Mortgage or this content.

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Know Before You Demo

Home Improvement Projects That Pay Back.

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One of the best parts of being a homeowner is the freedom to customize your space. From painting the walls to knocking them down, there are endless opportunities to put your own personal stamp on your home and make it yours. But before you dive into any renovations, you should know what they will cost you and how much of those costs you can expect to get back through appreciation when you sell.

To help make this easier for you, we looked to the latest Remodeling Impact Report from the National Association of Realtors (NAR) to compile a list of the top three home improvement projects with the highest cost recovery for both inside and outside your home. Whether you’re considering buying a fixer-upper or want to make updates to your current home, here are the projects that will get you the biggest bang for your buck.

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Interior:

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Hardwood flooring refinish – 100% Cost Recovery

If you have old wooden floors that are dinged up or hiding under carpet, a hardwood flooring refinish can completely revitalize your space at an affordable price. The project costs around $3,000, and not only are you likely to recoup all of your costs at resale, but it also can help cinch the deal with prospective buyers. If your old wooden floors are beyond repair or it’s just time for something new, brand new wood flooring is a good backup option with an estimated $5,500 price tag and a 91% cost recovery.

Insulation Upgrade – 75% Cost Recovery

Energy efficiency is all the rage these days, and for good reason. While a lot less glamorous than shiny new floors, an insulation upgrade is another worthwhile project. Not only will you recover about three-fourths of your costs when you sell (estimating a $2,100 investment), but think of the additional energy savings you’ll gain from having a better insulated home. According to the EPA, homeowners can save an average of 15% on heating and cooling costs simply by sealing their homes and adding insulation in attics, crawl spaces, and basement rim joists. It just makes sense.

HVAC Replacement – 67% Cost Recovery

Waiting until your furnace or AC unit completely conks out is never a good idea. If your HVAC system is struggling to keep up with Mother Nature (or if it’s more than 10 years old), it’s probably time to upgrade. The project can run you about $7,475, which is a hefty sum, so be sure to have a professional do an energy assessment on your home to determine what your needs are. As you’re weighing out which system to purchase, look for high-efficiency ENERGY STAR units, as they’ll reduce your energy consumption and can cut your annual energy bill by more than $115.
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Exterior:

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New Roof – 109% Cost Recovery

And the holy grail of home upgrades is … a new roof. With an estimated price tag of $7,500, you’re likely to make back all of your costs when you sell — and then some. A new roofing system has so many benefits. It helps with energy efficiency, reduces costs, improves comfort levels (preventing your heat or AC from escaping), and lessens the chance of water damage (no one wants a leaky roof!). Plus, it instantly boosts your curb appeal and adds value to your home. This project is a smart one for both homeowners who are planning to stay put for a while and those who are looking to sell soon.

New Garage Door – 87% Cost Recovery

While probably not at the top of your to-do list, a new garage door makes for a simple — yet smart — home improvement. Think improved functionality and enhanced curb appeal and aesthetics. It will set you back about $2,300 up front, but you’ll get most of that back with an 87% cost recovery. Plus, if you’re still dealing with a manual garage door, it’s time to stop living in the past and upgrade to automatic. While you’re at it, bring your garage into the future by opting for a smart door, which allows you to open and close your door right from your phone.

New Fiber-Cement Siding – 83% Cost Recovery

Durable and long-lasting, fiber-cement siding can completely transform the exterior of your house. While more expensive than its cheaper counterpart, vinyl, it is fire resistant, moisture resistant, and insect- and rodent-resistant, and because it’s a thicker material, it can be texturized to resemble wood. Even with a relatively high cost recovery of 83%, installing new siding is no small undertaking; it will cost you around $18,000, according to the report. Still, if you’re flipping a house or your home is in desperate need of a new exterior, this could be a good option.
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Projects With The Smallest Cost Recovery:

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Now that we’ve covered the most cost-effective projects, you’ve probably noticed that some of the more popular ones — like kitchen and bathroom renos — are missing. That’s because they’re the least economical. That doesn’t mean you should avoid them, but as they say, knowledge is power. With that, here are the projects homeowners tend to tackle first and the amount you can expect to recoup from each when you sell:

• Bathroom Renovation/New Bathroom — 50%

• New Master Suite — 52%

• Kitchen Upgrade — 57%

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Upgrading your home can be tremendously rewarding and fun. Knowing what these projects will cost you in the long run can help you prioritize the projects that matter while making smart financial decisions. If you need financing to help make your renovation dreams a reality, Lake Area Mortgage can help!

Please contact us or reach out to your Mortgage Banker to ask about out the Lake Area Mortgage Renovation Loan! Let’s talk solutions!

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References:

National Association of Realtors. (2017). 2017 Remodeling Impact Report. Retrieved from https://www.nar.realtor/sites/default/files/documents/2017-remodeling-impact-09-28-2017.pdf

 

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Pets: The New Influencer In The Housing Market.

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There’s a new dog in the housing market, literally. According to a survey done by The National Association of Realtors, 99% of pet owners consider their animals part of the family. Within that, 89% of households say that animal-related considerations will play a role in deciding their next living situation. Let’s investigate this from a buying, selling, and renovation perspective.

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Owning and Buying:

[/av_textblock] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] First of all, it’s fair to say that owning a home with pets is much easier (and less expensive) than renting a home with pets. This past year, 33% of millennial homebuyers bought their first home to accommodate to their pets’ needs. To put that into perspective, marriage was at 25%. So, what are these pet owners looking for in their house hunting process? Over half (54%) are looking for proximity to walking paths while 49% need to be near an animal store. There might be a blizzard outside, but the dog must explore and eat!

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Selling and Renovating:

[/av_textblock] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] Your pets can play a role in selling your home as well. Animals inflict some wear and tear on a home. For example, your potential buyers may not be as forgiving as you are about Fido’s scratch marks on all the doors. The National Association of Realtors asked agents for their best advice for those selling/staging their home. Their top suggestion is to replace anything that has been damaged. Next on that list: cleaning the home to remove pet odors/scent & taking the animal out during a showing. Cats love to be cozied up at home, but you might want to take them on a field trip with you during the showing.
[/av_textblock] [av_image src=’https://lam.corephp.org/wp-content/uploads/2018/10/selling-advice.png’ attachment=’745′ attachment_size=’full’ align=’left’ styling=” hover=” link=” target=” caption=” font_size=” appearance=” overlay_opacity=’0.4′ overlay_color=’#000000′ overlay_text_color=’#ffffff’ animation=’no-animation’ admin_preview_bg=”][/av_image] [av_hr class=’invisible’ height=’20’ shadow=’no-shadow’ position=’center’ custom_border=’av-border-thin’ custom_width=’50px’ custom_border_color=” custom_margin_top=’30px’ custom_margin_bottom=’30px’ icon_select=’yes’ custom_icon_color=” icon=’ue808′ font=’entypo-fontello’ admin_preview_bg=”] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] Not interested in moving? Animal-accommodating renovations are a thing…a big thing! Nearly half (52%) of pet owner/home owners have done some sort of renovation for their pets. The most popular specific renovations? A fenced-in yard (23%), Dog doors (12%) and laminate flooring (10%).
[/av_textblock] [av_image src=’https://lam.corephp.org/wp-content/uploads/2018/10/pet-reno.png’ attachment=’744′ attachment_size=’full’ align=’left’ styling=” hover=” link=” target=” caption=” font_size=” appearance=” overlay_opacity=’0.4′ overlay_color=’#000000′ overlay_text_color=’#ffffff’ animation=’no-animation’ admin_preview_bg=”][/av_image] [av_hr class=’invisible’ height=’20’ shadow=’no-shadow’ position=’center’ custom_border=’av-border-thin’ custom_width=’50px’ custom_border_color=” custom_margin_top=’30px’ custom_margin_bottom=’30px’ icon_select=’yes’ custom_icon_color=” icon=’ue808′ font=’entypo-fontello’ admin_preview_bg=”] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] Did you know that Lake Area Mortgage has a new Renovation Loan? We do! You can build a pet sanctuary with a Lake Area Mortgage Renovation Loan! Nothing but the best for the pets – we get it!
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It’s a pet’s world, we’re just living in it!

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References:

National Association of Realtors. (2017). 2017 NAR Animal House: Remodeling Impact. Retrieved from https://www.nar.realtor/sites/default/files/reports/2017/2017-remodeling-impact-animals-in-homes-02-13-2017.pdf
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Our Award Winning Mortgage Bankers Have Done It Again!

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We are pleased to announce that four of our Mortgage Bankers have been named Minnesota Housing Top Producing Loan Officers for the 1^st half of 2018 by Minnesota Housing Finance Agency (MHFA). Please join us in congratulating the following Mortgage Bankers:

Brandon Peterson was awarded Platinum level in the Metro Region and Silver Level for the Central Region.

Michelle Robinson was awarded Platinum level in the Metro Region and Silver Level for the Central Region.

Doug Kampsen was award Silver level in the Metro Region.

Eric Otterness was awarded Gold level in the Metro Region.

The MHFA Top Producing Loan Officer Program highlights their top lenders’ expertise in utilizing MHFA loans to best assist homebuyers in achieving their homeownership dream. MHFA works to provide access to safe and affordable housing across the state, often to first time home buyers.

All recipients of these awards acknowledged that their success would not be possible without their amazing support staff at Lake Area Mortgage. The teamwork and dedication from everyone at LAM are what makes MHFA programs so successful for our customers!

Within the next couple weeks, representatives from MHFA will be visiting Lake Area Mortgage to present the awards.
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