The Top Tax Deductions & Credits for Homeowners in 2019

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Taxes are confusing, which is why many people in the U.S. choose to hire an expert to do their taxes for them. After all, there are so many numbers to know, forms to have ready, records of income and expenses, W-4s, 1099s, 380-Ts—we could’ve just made that last one up, and there’s no way of knowing!

Even though taxes might be complicated, they (sometimes) have a few perks. And if you own a home, those perks could mean a major bonus on your return. If you’re thinking of buying a home before next year’s taxes are due, here’s everything you need to know about how making a home purchase can affect your returns.

A calculator app on an iPhone.

Deductions vs. Credit

Before we kick off the fun stuff, it’s important to know a little jargon—namely, the difference between a deduction and a credit.

When it comes to credits, think of them like tax-related coupons that reduce your dollar-for-dollar total. A few major tax credits include child tax credits, adoption credits, education or retirement credits, or credits for energy efficient homes and cars. Depending on the credits you qualify for, you could get anywhere from a few hundred to a few thousand dollars taken off of your tax liability.

Deductions are a little different: they reduce your taxable income, which can then adjust the total that you owe. Claiming certain deductions means that that part of your income is exempt from being taxed. Knowing which deductions to claim is key when filing, especially for homeowners.

Tax Benefits for Homeowners

Buying a home is expensive, but when it comes to tax time, here are the ways you can make some of that money back.

Various tax documents.

Mortgage Interest

One of the reasons that taxes for homeowners are so confusing is because they tend to change based on federal standards. Over the past few years, the federal Tax Cuts and Jobs Act pretty drastically altered the tax benefits for home ownership.

The most important change to know this year has to do with mortgage-related deductions. Previously, the tax deduction for home mortgages was limited to interest paid on $1 million debt for jointly filing married couples and single filers and $500,000 for married couples filing separately. Now, the numbers look more like $750,000 for the former and $500,000 for the latter. Additionally, interest paid during closing can also be counted towards this number.

Property & State Taxes

Did you know that the amount you pay in property taxes, state income taxes, and local sales tax is also deductible? If you pay property taxes through escrow, your lender will need to get the amount for you on your 1098 form, otherwise you should be able to find it in your personal records. The latest tax laws have instituted a cap at $10,000, but every little bit counts!

Private Mortgage Insurance (PMI)

Believe it or not, tax deductions on PMI are a hotly contested subject. Until recently, buyers were able to deduct the payments they made on Private Mortgage Insurance, but as of 2017, that ability expired. If you did buy your home before 2017, then your yearly income will determine how much you can deduct.

There’s no timeline on when deductions for PMI could return, but, unfortunately, if you’re a more recent home-buyer with these payments, those perks aren’t currently available.


We talked a little bit earlier about the difference between deductions and credits, so what sort of credits can you get as a homeowner? One of the biggest tax credits that homeowners can cash in on is having energy-efficient homes. In fact, if you installed geothermal heat or solar energy, you could be entitled to credit for up to 30% of the installation fee.

Other energy-efficient features, like storm doors and added insulation, can net you a few hundred dollars in credit, as well.

A person holding several one hundred dollar bills.

Tax-Free Profits

While many parts of the tax law have changed in the past few years, one aspect has stayed the same: tax-free profits. Selling your home not only means a big profit after the sale, but a large portion of the money you make won’t even get taxed—meaning you get to pocket more.

Married homeowners who sell their homes won’t have to pay capital gain taxes on up to $500,000 from the sale, while single filers can keep half of that as non-taxable income.

While there are some guidelines—like the home must have been a primary residence for at least two of the past five years—it’s a big plus when it comes to selling.

Want to Explore More of the Benefits of Home-Owning?

Believe it or not, there are a lot more benefits to owning a home than tax deductions. If you need help navigating the ins and outs of the home-buying and home-owning process, our team is here to help. With years of local experience and real estate know-how, we have the skills and resources necessary for home-buying and selling success.

Ready to learn more? Just give us a call.

Sea Turtles – Hilton Head Island 2019

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August 24, 2019

Dear Nest adopters,

Well, the mothers have finished nesting (we think!) but the hatchlings are busily working their way out of the nests and running to the ocean.  281 of our nests have hatched – I am in the process of sending out nest results to each adopter.  It has been an amazingly great year for nest success and emergence success – having no hurricanes so far has helped a lot!!

A couple of fun happenings on the island:

A local artist, Mira Scott, has painted a fiberglas sea turtle named Myrtle the Turtle.  Myrtle is temporarily sitting near the Tiki Hut on South Forest Beach, along with a reminder of the importance of the sea turtles and the environment that we are all striving to preserve.  Here she is:

We know that plastic bags are a danger to sea turtles.  (When a sea turtle sees a plastic bag floating in the ocean, they think it is a jelly fish and he eats it…..not good!)  Last year, Hilton Head Town Council voted to ban single use plastic bags on Hilton Head Island.  This year, Council is taking on the long handled shovels that tourists use to dig deep holes on the beach, like this: 

Hooray!  No more huge beach holes for mother sea turtles, hatchlings and people to fall into!!

Enjoy the last days of summer!  More news later –


Andrea B. Siebold

Sea Turtle Nest Adoption Coordinator

Coastal Discovery Museum


Friday August 9, 2017

Dear Friends of Sea Turtles,

Good Morning from Hilton Head Island!  Here is a nest greeting the day:

What a season!  As of yesterday, we are up to a record setting 445 nests on the ocean-facing beaches of Hilton Head Island!  There are another 17 that have been laid during the season on Mitchelville Beach and Dolphin Head Point on the Port Royal Sound side of the island.  There is some speculation that the higher number this year is because there were lots of sea turtle mothers who were on cycle to nest last year but didn’t because of the cold winter (lessened their food source so they could not reproduce.)  They might have joined in the nesting group this year – we will know for sure after the DNA testing is complete.  Whatever the reason, we are enjoying a great season for sea turtles. 

Our green sea turtle nest is still incubating nicely, waiting to hatch in a few weeks.

Speaking of green sea turtles, quite a few of our adopters have been sharing their experiences with green sea turtles in Hawaii.  There, the turtles come ashore and hang out – it is really amazing!   Not like the greens that we have which nest and leave!  Hawaiian green sea turtles basking in the sun: 

    This is me with the greens!

Many of you have asked about your nest hatch results.  Three days after a nest hatches, the Hilton Head Island Sea Turtle Patrol does an inventory of the nest.  (Lots of nest inventories are happening on the beach – if you are out VERY early in the morning, watch for the vehicle and observe the action!)  They record and report all the nest egg count and hatch details to the South Carolina Department of Natural Resources which controls the data.  I will then pass the details of your particular nest on to you.

Lots of season left – stay tuned!!


Andrea B. Siebold

Sea Turtle Nest Adoption Coordinator

Coastal Discovery Museum


July 17, 2019

Dear Nest Adopters,

The Hilton Head Island beach is a busy place right now:  During the day, tourists and locals fill the sand and water with fun, noise and laughter.  But in the night, there are still a few mother sea turtles coming ashore to nest – and a lot of hatchlings leaving the nest, racing to the ocean.  Everyone on the island is working hard to educate our beach goers with simple instructions:  leave the beach at the end of the day as you found it!  Fill in the holes, flatten the sand castles and pick up the trash.  This is sea turtle territory!!

We now have more than 430 nests that have appeared on our island – and 24 of them have already hatched.  No one really knows when a nest will hatch – it can be any time between 45 and 65 days after it was laid.  But we do know that hatchlings prefer to come out in the night – it is cooler, quieter and safer for them.

Here is how it happens:  more than 100 eggs have been developing under the sand for almost two months.  Gradually, the hatchlings start to break out of their shells – still under the sand.  You can tell that this is happening when you see a depression in the sand that looks like a bowling ball was dropped on it – like this:

The hatchlings don’t just come out one at a time…..they wait until a whole bunch of them are ready to make a run for it – and lots exit the nest at the same time.  This is called a “boil”.  In the Coastal Discovery Museum, there is a model of what a nest looks like under the ground during the hatching.   Stop in and see it:

The hatchlings climb all over each other to get out:

and then race for the nearest light – which is supposed to be the ocean.  (If people have on lights in their beach front houses, the hatchlings will go that way and never make it to the ocean….very sad!) 

After a nest has hatched, there are the unmistakable signs of a hole where the depression was, and lots of beautiful baby turtle tracks coming out of it. 

If you happen to see a nest hatching, you are very lucky – but PLEASE keep a distance away, do not take any pictures, and use only a red turtle safe flashlight.  We want to protect every one of those babies!

Hatching will be happening until 60 days after the last sea turtle nest is laid – we still have a long season ahead!

More later –


Andrea B. Siebold

Sea Turtle Nest Adoption Coordinator

Coastal Discovery Museum


July 12, 2019

Dear Nest Adopters,

In 2016, a record number of sea turtle nests were laid on Hilton Head Island – 411 of them……. and that record has now been shattered!!  As of this morning, we are up to 417 nests laid on Hilton Head Island beaches – and there is still a month left to go in the season.   One mother even came ashore after sunrise today (they generally nest during the night) and put on a nesting show for the many respectfully distant spectators who happened to be on the beach at the time.  Fantastic year!!

There are still also lots of false crawls – 296 of those so far:

Interestingly, tests are being done on each of our sea turtles – without ever touching the mother!  One egg is taken from every nest; the yolk is put in one test tube and the shell in another.  These samples are sent to a lab in Georgia where the DNA of the mother turtle is tested.  From that information, we then will know where else the mother has nested this season and every season since this record keeping began more than 10 years ago.  Sometimes I am able to provide that information to adopters about their mother sea turtle – will keep you posted on that.

Occasionally, nature needs a little help!  When the mother sea turtle lays her eggs in a place that is too close to the high tide line, the nest is relocated by the Sea Turtle Patrol to a safer spot.  They very carefully remove all the eggs, dig another similar hole on higher ground, and gently place the eggs into the new hole: 

45% of our nests have been relocated this year.  Amazingly, statistics have shown us that relocated nests have a higher percentage of success than ones left in place.  Who knew?!

So much action on our beach this year by this wonderful endangered species!

More news later –

 P.S.  You might have heard the great news that Hilton Head Island has been designated as the Number ONE Island in the continental U.S. for the 4th year in a row!!!  Not just the sea turtles are happy here!


Andrea B. Siebold

Sea Turtle Nest Adoption Coordinator

Coastal Discovery Museum


June 16, 2019

Dear Nest Adopters and Sea Turtle Friends,

World Sea Turtle Day is celebrated every year on June 16th   Full focus is on the saving of this endangered species and how we can all help.

And no one can do a better job of telling the story than the people at the World Wildlife Fund.  Here is their list of

        Ten Things you might not have known about Sea Turtles

        (thanks to WWF for sharing this list as directly quoted below)

1.  Turtles don’t have teeth. Instead, their upper and lower jaws have sheaths made of keratin (the same stuff your fingernails are made of) that fit onto the skull like a pair of false teeth.

2.  Turtle shells are made of over 50 bones fused together – so they’re literally wearing their bones on the outside. 

3.The first few years of a marine turtle’s life are often referred to as the ‘lost years’. That’s because the time between when the hatchlings emerge until they return to coastal shallow waters to forage is incredibly difficult to study. The lost years they spend at sea – which can be up to 20 years – largely remain a mystery to humans.  

4. Sea turtle species vary greatly in size. The smallest is the Kemp’s Ridley, while the Leatherbacks can weigh more than 1000 pounds!  (We have had both nest – one time each – on Hilton Head Island.)

5. It’s estimated that as few as 1 in 1,000 sea turtle eggs will survive to adulthood. And if beaches are strewn with litter, it can prevent hatchlings reaching the sea.

6. Female leatherbacks make some interesting noises when they are nesting – some of which sound similar to a human belch.

7. Turtles seem to prefer red, orange and yellow colored food. They appear to investigate these colors more than others when looking for a meal. 

8. Sea turtles can migrate long distances – the known record is a female that swam nearly 13,000 miles over 647 days from Indonesia to the west coast of the United States! 

9. Female sea turtles often return to nest on the same beach from which they hatched. Sea turtles’ amazing ability to navigate comes from their sensitivity to the Earth’s magnetic fields.

10. Even with all these amazing features and adaptations, sea turtles are threatened with extinction!  One major threat to sea turtles is plastic pollution. It is estimated that at leastone sea turtle out of two has ingested plastic often mistaking it for food such as jellyfish.  Luckily, Hilton Head Island has greatly limited by ordinance the use of single-use plastic bags, and many Hilton Head restaurants have stopped offering plastic straws. 

We can all do something – spread the word – Happy Sea Turtle Day!


Andrea B. Siebold

Sea Turtle Nest Adoption Coordinator

Coastal Discovery Museum


June 8, 2019

Dear Nest Adopters and Friends,

What a season!!!  Just to give you an idea of the numbers, here is the comparison for numbers of sea turtle nests on Hilton Head Island in past years –

by June 7th:

2014:   28 nests

2015:   106

2016:   120

2017:   105

2018:   47       

2019:  169 NESTS!!!

Wow!  Not only that, but there have been lots of spottings of the mothers on the beach.      

A reminder, if you see a mother sea turtle, keep a good distance away, do not take flash pictures, do not distract or bother her in any way.

Often a sea turtle mother comes ashore and does not nest.  We have had 111 false crawls so far this year – that is a big number!  Sometimes she is scared off,

sometimes she runs an eroded cliff of sand,

and sometime she is stopped by unnecessary “stuff” on the beach. 

Help us by keeping the beach clear at night!! 

More news coming soon –


Andrea B. Siebold

Sea Turtle Nest Adoption Coordinator

Coastal Discovery Museum


May 24, 2019

Dear Friends of Sea Turtles,

Nests are being laid on Hilton Head Island like crazy!  Those sea turtle mothers are making up for lost time – and it looks like they might continue at this rate all season!  As of today, we are well beyond 60 nests – a good number considering that in last year, we did not even get our first nest until the middle of May! 

It is great fun to see how and where the mother sea turtles nest.  These two nests are just next to each other – like sisters!  You can even see the mother’s tracks from the nest on the right.

In fact, that nest is directly behind the dune retention fence.  She came in one side and went out the other! Look closely for the signs of the sea turtle’s nest digging efforts to the right of the orange tape, the the tracks:

This mother found a safe place between a fence and a storage box!

And here are the tracks of a mother who took a v-e-r-y long walk on the beach this week, before she finally settled on a spot near the top of the beach – a long way for her to crawl……and a long way for her babies to go back to the ocean after hatching!

And this morning, a mother left a meandering track as she trudged exhaustedly back to the ocean:

We have some VERY creative sea turtles!  More news later –


Andrea B. Siebold

Sea Turtle Nest Adoption Coordinator

Coastal Discovery Museum


Dear Nest Adopters,

WOW!  Lots of huge surprises for Hilton Head Island Sea Turtle watchers:

  1. The first sea turtle nesting of the season on Hilton Head Island was REALLY early in the season – yesterday morning, April 26th, a mother sea turtle crawled ashore to dig a hole in the sand and lay her eggs.   This is the earliest nesting in most people’s memory, and is probably due to the warmer than usual weather recently.
  1. The sea turtle was a Kemp’s Ridley – the rarest and one of the most endangered of the sea turtle species!  Kemp’s Ridley sea turtles are much smaller than the loggerhead sea turtles which generally nest on Hilton Head. This is the first time a Kemp’s Ridley has nested on Hilton Head Island and only the fourth in South Carolina since record-keeping began.  (Interestingly, another Kemps Ridley beat out ours by laying a nest on Kiawah Island the evening before.)
  1. This sea turtle mama came ashore in broad daylight!  Loggerhead sea turtle mothers generally come ashore to nest during the night, so spotting one on Hilton Head is a rare treat.  The Kemp’s Ridley is a more of a daytime nesting creature, so this event gave lots of our beach-going locals and tourists an amazing show.  There is a video of the action on the Island Packet website.

Now the mother has gone back to the ocean, never to visit her nest again. And her eggs will lie undisturbed in the sand for about 60 days.  Hoping for a successful hatch of our first Kemp’s Ridley!

So we are off to a great start!  Will keep you posted as the season unfolds…..


Andrea B. Siebold

Sea Turtle Nest Adoption Coordinator

Coastal Discovery Museum


Up Your Home’s Resale Value with These 5 Outdoor DIY Projects

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Spring is here, and summer is closer than ever. That makes it a great time to get outside and spruce up your home’s exterior!

If you’re planning on selling your home soon, a little outdoor maintenance can go a long way. In fact, here are five outdoor projects you can do yourself that are sure to add resale value to your home.

Install a Fire Pit

Fire burning in a backyard fire pit.

Imagine spending a warm summer evening out back with your friends, sipping cool drinks and roasting marshmallows over an open fire. The truth is, installing a fire pit is easier than you might think!

A fire pit is made out of fireproof materials and should sit on a flat surface at least 15 feet away from your home and any trees. Here’s a how-to guide for building a backyard fire pit.

Remember, check your local building codes before beginning any type of construction!

Don’t have a yard for a fire pit? Turn your balcony into a cozy dining area instead!

Add Some Outdoor Lighting

Transform your backyard space for summer with lights that add both ambience and security. You can safely add low-voltage lighting to your front or backyard by yourself, even if you don’t have extensive electrical experience.

Whether you opt for motion-activated LED lights or hanging fairy lights, you have some great options to consider for your yard!

Have a nice back deck or balcony? Add some lights to make it a great place to gather any time, day or night.

Fix the Front Door

A front door with a key in the lock.

Your front door should be clean, bright, and welcoming! After all, it’s the first thing potential buyers will see when they enter your home.

There are a couple of different options to freshen up your front door. If it’s very old or damaged, you could replace it altogether. Other options for sprucing up your door include painting it a different color,touching up the paint job, or replacing the doorknob or knocker.

Live in a condo with an interior front door? You can still spruce up your entryway with a nice welcome mat and some potted flowers.

Power Wash the Exterior

Dirty siding on your home can make it look old and neglected, which can be a major turn-off for buyers! A simple solution to get your home’s exterior looking like new is to rent a power washer to take care of any dirt. We recommend renting a heavy-duty, gas-powered pressure washer, as these are the most efficient.

Depending on your home’s specific material (vinyl, stucco, brick, etc.), you will need to obtain a specific type of detergent to power wash your home. Be sure to opt for an environmentally friendly version!

Refresh Your Landscaping

The front exterior of a home that's been manicured with trimmed shrubs and flower beds.

Taking the time to properly maintain your landscaping—and adding a few new features here and there—can both increase your home’s resale value and attract more buyers. After all, real estate is all about the curb appeal!

Installing an attractive stone walkway, mulching your flowerbeds, planting new flowers or shrubbery, and planting trees are all great ways to improve your home’s landscaping.

Don’t have a yard? You can still spruce up your entryway and outdoor areas with potted flowers or hanging planters.

Looking for More Home-Selling Strategies?

We can help you increase your home’s value and get it sold fast. Contact our team today to learn more.

Saving up for a New Home? Here Are All the Costs You Need to Know

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Once you’ve found the perfect home and secured the loan, all that’s left to do is start chipping away at those mortgage payments…right? In actuality, there are a handful of other, often-overlooked expenses that come with buying a home, but as long as you know what you’re getting into, they’re plenty manageable.

Take a look at our comprehensive list of all the costs of buying a home.

One-Time Payments & Closing Costs

A person holding up keys to a house.

Closing Costs

For buyers, closing costs are typically low and range from 2-5% of your purchase price. A lot of these costs are one-time expenses, and totals can vary from state-to-state.

If you want a better idea of what closing costs could be for you, check out this helpful guide on the average payments for each state.

Miscellaneous Fees

There are quite a bit of one-time fees bundled into your closing costs, but most of them are pretty inexpensive. Some of the most common expenses include the home inspection, appraisal, credit report, deed recording, land survey, notary fees, title insurance, and document prep fees.

Recurring Payments

A woman and a child counting coins.

Mortgage Payments

Mortgage payments are the most obvious cost when buying a home. These are your predictable, monthly payments decided by both the final price of your home and your down payment—in addition to a few other bundled costs. A larger down payment means a smaller mortgage payment, and it’s a good idea to pay this off quickly, since it will accumulate interest.

Property Taxes

Property tax payments don’t go towards just one thing—they actually cover quite a bit, like road construction, community maintenance, public works, and local government salaries. The exact amount you’ll pay in property tax is calculated by the county based on your home’s value, and the rates tend to rise and fall over time. Many buyers pay their property taxes through an escrow account set up by the lender.

Homeowner’s Insurance

It’s better to have insurance and not need it than need insurance and not have it, so homeowner’s insurance is pretty crucial to home owning. While it’s almost always required when you get a mortgage and then bundled into your monthly payments, be sure to double-check that you’re covered.

Private Mortgage Insurance

If you can’t afford a 20% down payment on your home, you’ll have to pay PMI as a way to ensure that the lender won’t go under if you default on your loan. You don’t have to pay PMI forever—it ends once you pay off 78% or more of the principal amount—but until then, expect to pay up to 2% of your loan amount annually.

HOA Fees

Moving to a neighborhood with an HOA? Your dues can range anywhere from under a hundred dollars to over a thousand, but they come with perks like landscaping and exterior maintenance, and some even include added benefits like swimming pools and fitness centers. Not all neighborhoods have an HOA, but your agent can tell you what your payments will be if yours does.


Lastly, utility fees can come as a surprise to new homeowners who are used to renting. Depending on the size of your home, you can expect to pay a few hundred dollars per month for water, electricity, heating and cooling, and trash services. If you’re curious what your utility bills might look like, just ask your agent, and they can likely secure a few statements from the past owners.

Ready to Make an Offer?

A man and a woman sitting on a couch with a dog and a cat.

When it comes to buying a home, the most important thing you can do is be prepared. While there are a handful of costs to keep in mind, the satisfaction of calling a place your own is well-worth it in the end.

Are you ready to get started on your home-buying journey? With years of professional and local experience, our team knows all about navigating the expenses that come with buying. Give us a call today to get a better idea of your costs, and let’s get started!

Spring into the Selling Season with These Pro Cleaning Tips

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In just a few short days, we’ll turn the corner into warmer weather. There’ll be no more cold mornings, flowers will bloom, trees will grow, birds will sing, and it will officially be spring. Okay, maybe the changing of seasons doesn’t work quite so suddenly, but spring does mark the beginning of a notoriously busy home-buying season.

Since buyers are so active during spring, there’s no better time to list your home. But if you want to stand out in the crowded market, you’re going to have to dig deep into some spring cleaning beforehand.

Here are a few things you can do to kickstart your home-selling, spring cleanup process!

Make a Plan

You don’t have to get all of your cleaning done in one day—or even one weekend. All you need is a solid plan, even if it takes you a few weeks to complete. Take a look at what areas in your house need the most work, and get down to planning out nitty-gritty details.

Coordinate your plan by room and move along space by space, leaving nothing but sparkling clean surfaces in your wake.

Get out Stubborn Stains

A pair of boots sitting on a white carpet.

Maybe you’ve been avoiding cleaning because you know your home has some serious problem areas. Whether it’s getting a years-old stain out of the carpet or returning grungy bathrooms and appliances to their former glory, it’s possible to get out even the worst of stains.

Vinegar, dish soap, warm water, baking soda—these simple household items can get rid of anything from wine stains to mud tracks to coffee spills. All it takes is a little time and some elbow grease!

Try Some Value-Adding Projects

A man rolling a paint roller in a tin of yellow paint.

Since you’re already devoting some time and energy to making your home look its best, why not try a few DIY fixes, too? There are tons of small updates that’ll only take up a few hours of your time, but are worth your while when it comes to selling.

From putting a fresh coat of paint on the walls to power washing your siding, all it takes is a quick trip to your local hardware store to make your home look 10/10.

Dig into the Kitchen & Bathroom

A kitchen sink with the water turned on.

It’s no secret that the kitchen and bathroom are the two most important areas to a buyer. So when you’re making your spring cleaning plan, put some extra time and thought into how you can improve these spaces.

In the kitchen, focus on scrubbing every surface—floors, cabinets, countertops, etc.—cleaning out your drain, and polishing up the appliances. For the bathroom, get rid of any mildew or grime discoloration, and put some elbow grease into cleaning the cracks and crevices in the room.

Think Green

A closeup of blades of grass.

Cleaning can introduce a lot of dangerous chemicals into both your home and the area around your home, but using them can sometimes seem unavoidable. If you’re worried about storing and using hazardous materials around your home, there are plenty of safer ways to make your own cleaning products.

In fact, vinegar, dish soap, baking soda, and water can get most of the jobs you need done, and done well. You can also find a few eco-friendly cleaning products at your local grocery store.

Sell Your Home this Spring

Spring is one of the best seasons to sell your home, so don’t miss out on all of the potential buyers browsing the market. If you’re thinking of selling this spring, now is the time to get started.

Contact us to learn more about what you need to do to get your home in top shape for spring selling, and let’s get started with your real estate journey today!

Searching for a Smaller Home? Here are the Top Tips for Downsizing

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Downsizing can be a great choice for homeowners looking to make a financial or lifestyle change. After all, a smaller amount of space means less money on utility bills and less stress from clutter.

Are you a recent empty-nester? Moving for financial reasons? Or maybe you’ve watched a few episodes of Tidying Up with Marie Kondo and feel inspired?  No matter your motivation, you’re not alone—downsizing has become an increasingly popular trend for homeowners everywhere.

If you’re making the move to a smaller place, here are the top tips for a Marie Kondo-style downsizing experience.

Know What You Have

A suitcase filled with random belongings.Walk through your house room by room, and make a detailed list of your belongings. A helpful tip for keeping track? If you aren’t in a rush to downsize, take note of each item and how often you use it over the course of a few weeks or a month. That way, you learn exactly what you’d miss most and what you could go without.

Some downsizers use a color-coded sticker system, some jot notes in a notebook, and some just sort things into piles. Find the method that works best for you, and go from there.

…And What You Don’t Need

A row of clothes hanging in a closet.Once you’ve found out what items aren’t essentials, it’s time to toss them out. Try to focus on things like duplicate items, such as more than one kitchen utensil, and large collections that have accumulated over the years. To paraphrase the aforementioned organizing consultant Marie Kondo: keep the things that spark joy….but get rid of the rest.

There are plenty of great options for rehoming your unwanted items. Try making a little extra money by selling online, donating things to a good cause, or giving items to friends and family.

Maximize Your Space

A built-in wall shelf with small trinkets.When your overall amount of space goes down, you’re required to think of ways to use what you have more efficiently. Storage gadgets such as wall racks, built-in shelves, and pull-out cabinets can tuck belongings out of the way and give you a surprising amount of real estate to work with.

You might also have some furniture that can do double duty. Lots of kitchen or coffee tables either come with or can be customized to include drawers underneath, and bed frames are great for hiding away sliding storage units.

Measure, Measure, Measure

Measuring tape and two rulers laying on a white surface.Hopefully, you’ll have a solid idea of the space you’ll be moving into—at least as far as square footage goes—so you’ll know exactly how much room you have for all of your belongings.

Once you know the size of your space, break out the measuring tape, and take note of the dimensions of the furniture you’re bringing along. The last thing you want is to haul your couch all the way to your new home only to discover that it doesn’t fit in the living room.

Ready to Make a Move?

We know that paring down your possessions can be tough, and moving comes with a wide range of emotions. Try taking pictures of the things you’ll miss most, so you can keep the memories around in your new space.

Once you’re ready to get started on your new home search, give our team a call. With years of local experience and a wide range of professional expertise, we’re here to make sure your real estate experience is successful and stress-free.

Make Buyers Fall in Love with Your Home with These Easy Staging Tips

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Love is in the air! We’re not talking about Valentine’s Day — we mean all of the buyers falling in love with your home thanks to these easy staging tips. From simple DIY projects to decor and decluttering pointers, these effortless staging tips will wow the next buyers that step through your front door.

Clean, Clean, Clean

A woman mopping her kitchen floor.The single most important step for staging success? Clean. Break out those rubber gloves and scrub every corner, crack, and crevice that you can find. Not only will a clean home convey to buyers that you take good care of your space, but it’ll also ensure less work and fewer problems when they move in.

The home-staging cleaning process is more than just regular vacuuming, dusting, mopping, and scrubbing; you’ll need to go the extra mile. We’re talking waxing the floors, deep cleaning the carpets, polishing all of the handles and doorknobs, and more. Make an extensive list, and devote a whole weekend to tidying up.

Tackle Any Unfinished Projects

A toolbelt on a roofDo you have a notoriously leaky faucet that you haven’t gotten around to fixing, or a stain on the floor that you’ve been covering with a rug? Now is the time to take care of it.

Take an inventory of any unfinished projects you’ve accumulated. Whether it’s repairing a lighting fixture or patching a hole in the roof, ticking off pending projects is critical in the staging process. The last thing a buyer wants is to inherit problems from a home that they could’ve avoided.

Try Small-Scale DIY

A man rolling a paint roller in a tray of yellow paintYou don’t have to add an extra room or install an in-ground pool to make your home stick out to buyers. There are plenty of simple and affordable DIY projects, from decor improvements to easy upgrades and repairs, that’ll make your home pop!

Need some ideas to kickstart the process? Try putting a fresh coat of paint on the walls, replacing outdated lighting, upgrading cabinet handles and doorknobs, or de-popcorning your ceiling — just a few of the many easy ways to elevate your home’s look.

De-personalize and De-clutter

A row of succulents against a white wall.While decorating plays a big role in catching a buyer’s eye, there’s a fine line between standing out and overdoing it. While you might like your style of decorating, buyers could find it off-putting, so keeping it neutral is key. Using house plants and seasonal greenery is always a solid option for filling empty space!

While you’re putting up that new decor, you’ll want your space to be clutter-free and open. If you have any old couches, outdated decorations, or unnecessary accent pieces, take the opportunity to get rid of them before showings start.

List Your Home with Local Experts

From helping you get your DIY on to handling the complicated closing paperwork, our team is dedicated to helping you have a successful and stress-free real estate experience.

Are you ready to get started on your selling journey? Don’t hesitate to give our team of local experts a call today!

The Pros & Cons of a Buyer’s Letter: Standing Out in a Busy Market

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Imagine, after weeks of searching, that you’ve finally found your dream home. It’s in the perfect location with the right features and exactly the amount of space you need. But after requesting more information, your agent informs you that there are already several offers made on the house. How do you stand out in a busy market and snag your dream home?

When buyers are looking to make a lasting impression on sellers, they often opt to submit a letter to the seller. In fact, a recent study found that buyers who submitted letters were 9% more likely to have their offer accepted.

A Buyer’s Letter can work both with you and against you, so it’s important to understand what they are and when you should use one.

What is a Buyer’s Letter?

A man typing on a laptopA Buyer’s Letter is pretty much what it sounds like — a letter written by the buyer for the seller in order to stand out in a busy market. The letter is your chance to make a case for why you should get the home over other buyers.

Many people opt to write about how they envision their lives in the home, how well they would take care of it, how much owning this specific home would mean to them, and similar sentiments.

You might also use this space to talk yourself up, bringing up steady finances, your down payment, and job security — things geared towards making the seller confident in choosing you.

Advantages of a Buyer’s Letter

A man and a woman shaking handsA Buyer’s Letter sets you apart from the crowd and makes you more than just an offer on a sheet of paper — it allows you to connect with the seller on a personal level. In a constantly growing and changing market, being able to stand out or connect puts you a big step ahead of other buyers.

Is the home close to a golf course? Does the seller have bikes in their garage? Are there signs of pets in the home? If you notice you have common interests, including them in the Buyer’s Letter can elevate your standing.

When you choose to forgo a Buyer’s Letter, you miss out on the chance to advocate for yourself, which can go a long way in the seller’s final decision.

Disadvantages of a Buyer’s Letter

A woman writing in a notebook. While there are plenty of pros to using a Buyer’s Letter, there are also pitfalls to consider. Making your case is great, but it does give the seller leverage. If you really love the house as much as you say, then what’s to stop the seller from raising the asking price?

Maybe the seller accepts your offer, and you move to the home inspection stage. If issues turn up, then the seller might refuse to make costly repairs, assuming that you’ll buy the house no matter what.

Another unexpected con of a buyer’s letter? It can be tricky for sellers to navigate around discrimination issues. If a seller picks a buyer of a certain race, religion, gender, or family status instead of another, they could face backlash. Be aware of this when writing your letter so as to not put the seller in an uncomfortable position.

Need Help Standing Out?

If you’re kicking off the home-buying process and need help standing out, we’ve got you covered. Get in touch with us today, and we’ll help you secure your dream home, and answer any and all of your questions in the process.

New Year, New & Improved Home Value

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Happy 2019! What do you want to accomplish in the New Year? If you’re thinking seriously about selling your home this year, or just want to add some value to your property, then it’s time to make a game plan for 2019.

You don’t have to break the bank to build your home equity; there are a number of small, easy projects you can do to increase your home’s value. And bonus: they’re indoor-only, so you can get started right away!

Here are three DIY, cost-effective ways to add value to your home.

Update Your Kitchen

Light-filled kitchen with hanging light fixture.Kitchens and bathrooms sell homes. It’s just a fact. If you’re aiming to add value to your entire home, start with these areas.

In the kitchen, refinish wooden cabinets or use a faux-wood finish on non-wood cabinets to give them an updated look. You can also replace your sink with a trendy single-basin fit and sprayer nozzle, and upgrade your appliances to stainless-steel.

With just a few small updates, you can have your whole kitchen feeling brand new!

Give Your Bathroom a Facelift

New construction bathroom with a soaking tub and granite countertop.Let’s head to the bathroom. With a few small upgrades, you can have your entire bathroom feeling like new.

Consider installing a low-flush toilet, updating your faucets, updating your flooring, re-caulking your bathtub, and even replacing the vanity. Strike the perfect balance between energy-efficient upgrades and aesthetic finishes to create a space that’s peaceful, luxurious, and comfortable.

Bring Some Light Into Your Home

Chandelier light fixture.Consider replacing all the lights (and light switches) in your home for a more modern aesthetic. Swap out traditional light switches with dimmers, install wall-mounted lights in your bathroom for a more luxurious feel, and be sure you’re using high-wattage bulbs in every room.

Adding light to your home will instantly make it appear more open and spacious.

Planning to Sell Your Home in the New Year?

We can help with that. Give us a call to begin exploring your real estate options. We’d love to share some additional tips on how to add even more value to your home!

How to Buy a Home in One Year: A Step-by-Step Guide

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Let’s start the new year off right. If you’ve been dreaming of a new home, it’s time to get started. Here’s a month-by-month guide to planning for and buying a new home. It’s about time to set your new year’s resolution, right?

January: Brush Up on Your Market Knowledge

Woman typing on a laptop with a paper pad and pen sitting next to her on the desk.The best way to get started? Brush up on your real estate knowledge. Scour the market with a fine-tooth comb. Check out things like current inventory in your city, average sales prices, and the listing-to-sales-price ratio.

This research will help you familiarize yourself with the market.

February: Address Your Budget

Let’s finalize our budget shall we? The easiest way to do this is to get pre-approved for a mortgage.

Meet with a lender (let us know if you’d like a recommendation) to review your finances. The lender will go over your financial history, and then let you know what the bank is willing to lend you.

Now you have an idea of what your mortgage will be and what you can afford in a home.

March: Find Your Perfect Location

A park full of bright trees, each at a different stage in the fall process (one is red, one yellow, and one green).Do some soul searching. Where will you be happiest? Explore locations based on their job market, housing affordability, and overall quality of life. The goal is to narrow down your search to one city.

If you have the means, try to take some time off to go and visit a few cities. Once you find a city, it’s time to narrow your search down even further by pinpointing specific areas or neighborhoods that will best meet your needs.

April: Find the Right Agent

Find the right real estate agent to help you buy a home. Trust us: they’ll save you time, money, and more than a few headaches.

If you need any recommendations, let us know. We have more than a few ideas.

May: Define Your Dream Home

Luxurious living room with winding staircase, bright furniture, and hanging light fixtures.Now is the fun part! Start putting together a list of everything you want in your dream home. We recommend starting by defining your “must-have” features. Think of the things in your home you can’t live without. That’s a great place to start.

It’s also important to know the difference between “must-have” (i.e. you need 3 bedrooms and 2 bathrooms) and “nice-to-haves” (it would be nice to have granite countertops but you can also live without them.)

June-July: Begin Searching

Use a handy home search tool like ours to begin browsing homes for sale in your target area. Once you find a home that you like, it’s time to schedule a tour.

Private home tours are often better than traditional open houses because you have more time to walk through the home, without the pressure of competing with other potential buyers.

At some point in your home-search journey, you’re likely to come across at least one home that calls your name.

August: Fall in Love and Make an Offer

Bright dining room with hardwood floor, small black table, modern decor, and a ceiling fan.You’ve found the one; now make an offer!

Work closely with your agent to compare recently sold homes in the area and craft the perfect offer.

Ask your agent for their advice—like whether or not they think the price is right for this home, as well as what other contingencies you might want to include in your offer. This is when your real estate agent will prove truly valuable: they’ll be able to provide useful insight in order to help you get the home of your dreams for the best possible price.

September: Schedule All the Things

Let’s get down to business. It’s time to negotiate with the seller, schedule an inspection, have your real estate agent complete any renegotiations (based on that inspection), and get the home appraised by a professional.

You’ll also have to take care of some more paperwork to finalize your mortgage loan.

October – December: Let’s Start Closing

Two adults reaching over a table to shake hands.Next, you’ll start the closing process.

Buckle up, because we’re in it for the long haul! Here’s where you’ll finalize your mortgage approval (this requires a ton of paperwork) and meet with an attorney to set closing dates and sign paperwork prior to closing. This is also the time when you’ll review closing fees and the exact monthly costs for your home.

At the end of it all comes the close. You’ll pay the remaining closing fees, sign all the paperwork, and collect your keys Congratulations! You just bought a home.

Ready to Begin?

We’re ready to help. Give us a call today to get started.

Copyright © 2019 Hilton Head Real Estate. All rights reserved. Disclaimer: All content on this blog is my own opinion and should not be treated as fact or relied upon when purchasing or selling real estate.
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