Tag Archives: Marie Dinsmore

Marie Dinsmore Earns RE/MAX Platinum Club Award

1394632456When it comes to doing your job and doing it well, there’s nothing like the feeling of receiving an award which truly recognizes all of your hard work and dedication.  Therefore, as we gear up for the spring real estate season, it is with abounding joy that I announce my inclusion into the RE/MAX Platinum Club for Realtors©.

RE/MAX Club Awards are individual awards that are based on levels of annual commission from January 1st through December 31st and are distributed based upon single year commission reports.  As one of the highest designations within the company, the Platinum Club recognizes those agents who have earned anywhere from $250,000-$499,999 in gross commissions.

While I’ve taken great pride in winning the Million Dollar Club every year since 2003—meaning I have consistently sold more than $1 million dollars-worth of property—this designation, which I previously earned in 2005, truly pushes me to continue on my quest to raise the bar for the real estate industry, my clients, and the community.

At the end of the day, I offer my customers a level of experienced understanding and keen attention to detail that are truly second-to-none. If you are looking for the services of a seasoned agent, please do not hesitate to contact me.

I’m looking forward to making 2015 another successful year and I cannot wait to help make your dreams come true along the way.

Marie Dinsmore | The Dinsmore Team | www.dinsmoreteam.com | 770-712-7789

Featured Neighborhood: The Preserve at Wild Rose

5373327_0If you’re in the market for a beautiful craftsman-style home, The Preserve at Wild Rose in North Forsyth County is a brand new community that boasts 51 gorgeous, large wooded homesites that start in the high $200’s.

Built by Martin Associates Homebuilders & Fidelis Signature Homes, the neighborhood includes a large playground, kid-friendly swimming pool, and a neighborhood association, as well as close proximity to the North Georgia Premium Outlets in Dawsonville and Lake Sidney Lanier.

While open floor plans, gourmet kitchens with granite, and formal dining rooms come standard in each home, additional homesite features include options such as stainless steel appliances, coffered ceilings, larger closets, and upstairs lofts.  With this, for homebuyers who are looking for a property with a bit more storage, several homes also offer an unfinished basement option, as well as secondary bedrooms that can be converted into a playroom or study.

The-Shoal-Creek-home-planFor buyers with children, the local schools include Chestatee Elementary, North Forsyth Middle School, and North Forsyth High School, as well as Covenant Christian Academy, Horizon Christian Academy, Ivy League Montessori School, and McGinnis Woods Country Day School.

If you are interested in learning more or would like to tour the community, I would love to set up a time to show you the area and answer any questions you may have.  Please feel free to contact me or, if you would like to speak with one of The Preserve’s associates, contact Jennifer Baxter at 678-469-1413 or click here to visit their website.

Happy house hunting!

Marie Dinsmore | The Dinsmore Team | www.dinsmoreteam.com | 770-712-7789

Buying a Home? Set Yourself Up for Success

bigstock-African-American-family-celebr-14087630While some of us may be prone to spontaneous bouts of spending or find ourselves unable to stick to a strict budgeting system, when it comes to buying a home, it’s important to remember that such a large financial decision warrants more than a few helpings of discretion, sensibility, and budgeting.

With that being said, it’s important to stay on the right path, especially if financial discipline remains a challenge for you.  Therefore, the following tips will help you keep your eye on the prize.

KEEP SCORE: Plain and simple, the better your credit score, the better your mortgage terms will wind up being when it comes time to apply for a loan.  While improving a depressed score may take a good deal of work, a good credit rating can literally save you tens of thousands of dollars over the life of your loan.  Therefore, start by reviewing your credit a few months before you intend to place your loan application and if your score is in the 600s or lower, along with making consistent on-time payments, try to pay down your balances so they sit below 30% of your limit.

CONSIDER ALL COSTS: Sure, the cost of the home itself is a great starting point, but it’s important to factor in all of the other costs of homeownership, such as taxes and insurance, as well as other expenses such as utilities and homeowner association fees.  With that, don’t forget about the ever-necessary rainy day fund which will help you cope when various issues demand repair and go into the process with the understanding that the average homeowner spends 1-4% of a home’s value on property maintenance each year.

BE FLEXIBLE IN YOUR SEARCH: In our culture of instant gratification, it can be a little difficult to distinguish between wants and needs, but in order to make a sensible housing decision, making the distinction between the two is imperative.  When it comes to building your list of must-haves, include items that will directly affect your quality of life, such as the home’s location, its price, the number of bedrooms, and the its square footage.  While you may have your heart set on hardwoods and granite, it’s important to prepare yourself for life’s necessary concessions so that you can remain flexible and stay within your budget.

KEEP YOUR COOL: Purchasing new things is exhilarating for everyone; however, buying a home is not like getting excited over a new pair of shoes.  Using a bit of self-restrain will not only prevent you from overspending or choosing a home that doesn’t fully meet your needs, but it will protect you in markets where the homes are selling quickly.  Even if you have your heart set on someplace you thought would be perfect, be prepared to walk away if the home inspection reveals more defects than your able to deal with.  With this, maintain a sense of calm if you find yourself in the middle of a bidding war, as it can push you to spend more than is prudent.  At the end of the day, maintaining a sense of patience will help you remember that whether your offer is accepted or the home inspection goes off without a hitch, there are always other great homes available.

Marie Dinsmore | The Dinsmore Team | www.dinsmoreteam.com | 770-712-7789

Why You Need a Realtor

RealtorWithClients-wide8Right off the bat, I understand that having a licensed Realtor write a blog about the reasons you should hire an agent may seem like a conflict of interest; however, I entered the complex world of real estate specifically because I believe that all current and future homeowners deserve to have someone in their corner when attempting to navigate the often confusing process of purchasing a home.

Plain and simple, with the over-abundance of technology flooding our consciousness every day, it’s no secret that searching for the perfect house has gotten easier.  Right at your fingertips, there are thousands of homes with details about everything from neighborhood locations and prior purchase dates, to photos, virtual walk-throughs, and a variety of builder specifics.  Gone are the days when you would have to spend hours driving through neighborhoods while collecting home fliers and scheduling dozens of showings—today, your access is instant.

Still, there’s a tried-and-true saying that is extremely pertinent in today’s market and it helps explain my list of reasons why you should hire an agent:

“Keep calm & let a Realtor handle it!”

1.)  APPRAISERS – When it comes time for an appraiser to look at your home, it helps to have someone who can run interference and provide them with the comparable sales which were used to determine your home’s proper listing price (this is especially helpful if the appraiser is not familiar with your neighborhood).

2.) BRING EVERYONE TOGETHER – While you may not realize it, closing on a home requires a lot of parties to be on the same page—from the loan officer, inspector, and appraiser, as well as the buyer’s Realtor and closing attorney—which means a lot of behind the scenes work will need to take place before everything is settled.  If you don’t want to see your deal fall apart before closing, it’s important to understand that a Realtor will keep things running smoothly.

3.) THEY KNOW THE MARKET – When it comes to getting a fair property price, a Realtor who understands the area is imperative so you don’t wind up overpaying for a home.  Plus, when it comes time for those nerve-wracking negotiations, an experienced agent will be able to fight on your behalf.

4.) SERVICE RECOMMENDATIONS – One of the great things about Realtors who have been in the business a while, is that they have a wealth of information about a myriad of service providers.  From contractors and painters, to roofers, landscapers, and electricians, your odds are good that a Realtor will be able to send honest, good providers your way.

5.) GREATER ACCESS – Sure, the internet will help you see some of what’s available; however, to truly gain access to the listed homes in your area, you’ll need a Realtor.  Otherwise, while you may be able to peruse “For Sale by Owner” homes on your own, it’s also important to note that those owners are NOT obligated to use sales contracts or disclosure forms (which protect you as the buyer) upon closing.

6.) CUTTING ACROSS STATE LINES – If you’re looking to move to another part of the country, a Realtor is imperative, especially if you aren’t familiar with where you’ll be heading.  Instead of worrying about the unknowns, a local agent will be able to take note of adequate neighborhoods, schools, shopping venues, etc.

7.) EXTENDED REACH – If you’re considering listing your home on your own, it’s important to remember that this may drastically limit your pool of buyers.  Realtors have an abundance of networking, advertising, and marketing resources at their disposal, so your home will sell that much faster.

In the end, an important bonus of working with a Realtor is that they will be there AFTER your sale is complete.  It’s only natural for questions to arise weeks—or even months—after you sign those papers, so if you’ve been working with an agent, you can rest assured that you’ll never be left in a lurch.

If you’re looking to buy or sell your home, or if you simply need some advice about the current market in North Georgia, I would love to be of service to you.

Marie Dinsmore | The Dinsmore Team | www.dinsmoreteam.com | 770-712-7789

 

So, What Exactly is the Fair Housing Act?

My-interracial-nuclear-familyWhen it comes to real estate and most forms of housing, the Fair Housing Act creates a blanket of sorts that envelops those looking to purchase or rent a residence.  In essence, while there are still stipulations, race, color, national origin, religion, sex, familial status, or disability cannot be a deciding factor in things such as refusing to rent or sell housing, set different terms or conditions, or deny a dwelling.

Dating back to the 1960’s, the large political movements pushing to outlaw discrimination also set their sights on a broad range of housing transactions—to include mortgage lending, advertising, zoning, and homeowner’s insurance.  Termed fair or open housing, President Lyndon B. Johnson urged congress to finally pass the federal Fair Housing Act, which sought to create a cohesive housing market in which a person’s look, culture, or background would not limit their access to property.

WHAT IS PROHIBITED?

In the sale and rental of housing, no one may take any of the following actions based on race, color, national origin, religion, sex, familial status, or disability:

  • Refuse to rent or sell housing
  • Refuse to negotiate for housing
  • Make housing unavailable
  • Deny a dwelling
  • Set different terms, conditions, or privileges for sale or rental of a dwelling
  • Provide different housing services or facilities
  • Falsely deny that housing is available for inspection, sale, or rental
  • For profit, persuade owners to sell or rent (blockbusting)
  • Deny anyone access to or membership in a facility or service (such as a multiple
  • listing service) related to the sale or rental of housing

In mortgage lending, no one may take any of the following actions on the basis of:

  • race, color, national origin, religion, sex, familial status, or disability
  • Refuse to make a mortgage loan;
  • Refuse to provide information regarding loans;
  • Impose different terms or conditions on a loan, such as different interest rates, points, or fees;
  • Discriminate in appraising property;
  • Refuse to purchase a loan; or
  • Set different terms or conditions for purchasing a loan

Individuals who feel that they have been discriminated against in the housing process can lodge a complaint with HUD’s Office of Fair Housing & Equal Opportunity (FHEO), where the issue in question will be forwarded to the state; however, it’s important to note that local agencies will be investigating the case instead of FHEO.

If you have any questions, I would love to be of service.  Please do not hesitate to contact me for assistance.

Marie Dinsmore | The Dinsmore Team | www.dinsmoreteam.com | 770-712-7789