All Blog Entries by Anna Paduhovich

There are currently 8 blog entries published by Anna Paduhovich.


1.    Finding money for the down payment & closing costs 

Closing costs and down payments are always a concern when buying a house... Where will the money come from?? Plus, the economy is strengthening which means interest rates will probably rise and home prices appear to be rising faster than both incomes and rents based on most news reports.  

THE GOOD NEWS IS, despite the rise in home prices, buying a home is still cheaper than renting - roughly by about 35% cheaper based on the reports I have read recently. Even better is the fact that, usually, this means that sellers who have been holding back will finally put their homes on the market which means buyers will have more to choose from! AND mortgages should be easier to get. Why? Because

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Here is some good news: according to the National Association of REALTORS® Profile of Home Buyers and Sellers 2012, 73% of U.S. home buyers made a down payment of 20% or less. Here are some potential lending products that you may want to consider:

Buyers with Less than 10% to Put Down:

If you have less than 10% to put down, you might consider conventional financing is available via Fannie Mae and Freddie Mac to 95% loan-to-value. FHA loans, loans insured by the Federal Housing Administration (FHA) are a viable option as well.

The Federal Housing Authority, better known by its acronym FHA, does not actually make loans. FHA really only insures mortgages offering mortgage lenders protection against default. As long as a loan meets the minimum standards

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Do you love it? It's a question I ALWAYS ask a potential buyer when we are walking through a home...Do you love this house? Not can you see yourself here, not how does this make you feel, but DO YOU LOVE THIS HOUSE? How they feel and where they see themselves is very important but loving the house is really what puts a house on the map for a buyer.

Realistically speaking, the process by which a buyer "falls in love with a house" starts way before they call me. It starts on-line. And there are a number of things that a seller can do to help their house be on the love list.

1.Video - Virtual Tour. Recently, I read a survey that said over 70 percent cited “touring a certain home” as their reason for viewing videos in the course of their search for a home

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This week I have listed several houses and overwhelmingly sellers always ask what they can do to get the maximum price for their home. The answer is an easy one: clean your house and de-clutter EVERYWHERE.

 For instance:

* Anything you don't need you should donate. Rooms with too much furniture look smaller than they actually are which is a turn off to a potential buyer.
* Organize you office, attic, and your closets. They should look clean and neat. You want the buyer to look at the rooms not the haphazard stack of Christmas lights in the corner of you attic. 
* Have your carpets cleaned. That will make your home pop and especially if you have pets, it will make your home smell fresher as well. 
* Take all personal pictures down. You want potential

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There's no two ways about it, short sales can be painful. They can take up to 3 times longer to close than a traditional sale, but in our current market, they are not going away. And, they can be an excellent deal if you have the time to wait. In fact, in many cases, they can be better deals than a foreclosure - especially since foreclosures are becoming fewer and farther between.

Here are some steps that sellers can follow to make the transaction a little more simple:

1. Make sure that you are motivated to do a short sale. It is not for the feint of heart. You will need to provide your bank with significant documentation. If you are motivated, you need to make sure that you do exactly what your short sale contact at the bank requires of you. More

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So, I have always known, people just don't want to be sold. I know this because I don't want to be sold. I want to be helped. It is a fairly simple philosophy but never more evident than now in our very complicated economy.

Here are some things that have helped me to be more successful:

- Don't sell people, help them. For instance, when you are showing a house (or selling a product), ask people how the rooms make them feel, or what they like about the rooms, or dislike for that matter...that helps them understand what will work for them and what will not work for them. We show houses every day and it becomes old hat to us, but for people who are looking to buy or sell a home, it is not an every day event and they need to have a thoughtful approach to

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This adorable home is BRAND NEW CONSTRUCTION with 3 bedrooms, 2 bathrooms in New Bern, NC.  It features an open floor plan, vaulted ceilings in the family room with a nice gas fireplace to keep you warm all winter long. The kitchen is spacious with an eat-in bar, lots of counter space, custom cabinets, and dining area. The master bedroom has a walk-in closet and a private bathroom. Don't forget the cute covered front porch, too. And, not to be overlooked, the builder pays $1,000 in closing costs ++ this home is on Progress Energy which means huge savings!  4742 Corena Drive, New Bern, NC

Contact me today if you would like to view this new home.


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Surveys show that staging the home that you are trying to sell pays off -- and, most of the time, staging helps to sell a home quicker.  Staging your homes does not mean that you have to spend a lot of money on pricey interior decorating. Here are some thrifty tips on staging your home:


  • First Impressions Count.  "You never get a second chance to make a first impression". Roll out the red carpet for potential home buyers by sprucing up your entryways, especially the main entryway.  Nice welcome mats, planters filled with seasonal flowers, and clutter-free foyers/hallways set the stage.
  • Sell the House, Not your Stuff.  Remember that the goal of a successful showing is to make a prospect feel at home -- like it's their, not yours.  Put away your
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