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Marques specializes in working with clients who are looking into buying a home in CT. Marques works with those that are pre-qualified or would like to learn how to raise their credit score enough for an affordable home loan. Marques also consults with investors who are looking to increase their portfolios through multi-family properties and commercial real estate in CT. Mortgage interest rates are surprisingly low right now and home prices are too - get a great deal that will repay you again and again over the years.

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Marques’ Blog

What Do You Need To Start Home Shopping?

I often come across and have helped many people buy a home whom didn’t even know they had the ability to buy one. Public perception of becoming a homeowner or buying a home period is pretty tarnished. I’ve heard everything from needing a 750 credit score to needing $20,000 in the bank. While a good amount of funds and excellent credit are welcomed, going to those levels aren’t exactly needed to change your address. Here are the basics needed to get pre approved for a mortgage and begin home shopping: Credit Score of 640 and above That is usually a good number or place to shoot to be above. FHA (3.5% down) is the normal product a first time buyer usually uses. The big thing with your credit and applying for a mortgage is to make sure you have no late payments within the last 12 months, and nothing in collections currently. 2 Years Tax returns and W2s (3 Years 1099s If Self Employed) This is something to prove that you make what you tell the loan officer you work with you make. This will be all submitted to the underwriter and lender you’re using. 60 Days Bank Statements and Paystubs This is another financial thing to prove your funds and ability to afford a down payment. It is essential that you don’t have any overdraft or return check fees, as it doesn’t show financial responsibility. Possible funds for a down payment If you’re going with a FHA loan you would be looking at 3.5% of the purchase price as your down payment. Closing costs can mostly be included...

3 Tips To Negotiate After A Home Inspection

After you chose the home you’re purchasing, the home inspection is the next crucial step in the process. This is where we have a certified home inspector come through the home and test the systems. Now you don’t own the home yet, so he isn’t breaking anything or going into walls. He is simply testing the different elements of the home and giving you his expertise on what the issues could be. As a experienced agent in the area, I notice many of the issues when we initially walk into the house, so I give my clients fair warning of possible items that may come up. When issues do come up, follow these three tips to successfully protect your best interest after your home inspection. ASK FOR CREDIT OR REPAIR TO BE MADE When issues come up and the buyer is worried about them, its best to see if the seller will remedy them. There are two ways that it can be handled, by repairing it directly or the seller crediting (taking money off the sales price) the buyer. I personally like the seller to handle the repair as opposed to crediting off the price. For example, if the seller were to take $2,000 of the price, that’s typically a savings of about $10 a month in the mortgage. That does no good for a problem that is persisting currently, and the buyer will have to fix once they move in. THINK OF THE BIG PICTURE If you plan to remove things and renovate, then many things may not be of big issue. Focus on the electrical, plumbing, heating,...

4 Tips For Selling Your Home In The Winter

Usually when one lists their home in the winter, that indicates a serious motivation to sell. Lets face it, during the cold winter months, the inconvenience of having people in and out of your house is a lot. With that being said, we have to make sure that the inconvenience is worth it. We want to make sure that your efforts are going towards getting this home sold. Here are 4 tips to get your home sold in the winter. BE SURE ITS EASILY ACCESSIBLE With winter weather so unpredictable, keeping the property clean adds difficulty to keeping it ready. In New England we can get a quick two inches of snow and ice at any given time. Buyers agents quite often have to show a property in unfavorable conditions and keeping your home maintained is key to getting buyers in the door. You also don’t want to open yourself up to the possibility of a slip and fall and legal action. KEEP THE HEAT ON Walking into a warm house in the cold New England months is a great feeling. This is no different with those home shopping. The warmer the home feels, the longer the agent and buyer will stay inside and increase the overall showing. Keep the home comfortable and inviting. SHOW OFF YOUR OUTDOOR AMENITIES In the dead of winter, while contending with snow on the ground, its tough to see the grounds. Whether it be your pool, yard size, patio, be sure to include pictures from the summer time so buyers can see what they’re buying. This is an added bonus and adds a...

5 Reasons To Sell Your Home in 2017

2017 is here and many people have lots of projections for the real estate market in the new year. With a new president and things shifting, some are fearful while others are hopeful. I personally am still seeing a busy market even with inventory slipping slightly in Greater Hartford. If you are on the fence about selling, I would advise taking a look at the current market and seeing what homes like yours are selling for. Please read the 5 Reasons you Need To Sell in 2017. LOW INVENTORY When inventory is lacking, its usually a good time to sell. Your home may cause buyers to pounce if you’re in a active price range or desirable neighborhood. If you’re priced and the home is market ready, it will really stand out in a area with lacking inventory. MORE URGENCY There are usually many reasons at the beginning of the year the urgency is high. A lease is ending, companies usually reassign in January, or there may be another living situation that has changed with the new calendar year start. Usually a buyer that is out looking in the colder months has a higher level or urgency, and need to move. EARLY MOVEMENT FOR LOWER PRICE POINTS Being that the lower price points is what I focus on, I can attest to this fully. Most first time buyers use tax returns to purchase a home, and those usually come before the spring market is in full swing. Listing a home at the start of the year or before April can be very beneficial in capturing that group of buyers. NEW...

The 4 Steps To Selling A Home, And How Long Each Takes

Selling a home isn’t always the smoothest and easiest thing to do. Whether you’re downsizing, upgrading, or simply moving out of state, you as a seller have many things to think and plan for after the sale. Having a knowledgeable realtor on your side will help you  ease the frustration and the frustration that can happen. There are really 4 stages of selling a home, and here they are and how long each should take. LISTING THE HOME This is where we as your Realtor announce to the local real estate market that your home is available and for sale. We enter the home into the local Multiple Listing Service (MLS), call our buyers and spheres of people, and do our most effective marketing to get the house sold. This usually takes place once seller and realtor come to agreement on price and terms of the listing contract. This should usually take 1-3 Days. GETTING THE HOME UNDER CONTRACT This is probably the hardest period to give a time frame on. The average market time varies per area and style of home but the most important thing to remember is you as the seller have control. By pricing the home right, and where your Realtor recommends you greatly increase the chances of getting a good offer that is acceptable. No matter the condition, size, or area, price is the deciding factor in whether the home is sold. Price it right from the beginning. This should take between 30-45 days if priced correctly to get a solid offer. WHEN UNDER CONTRACT Once an offer is accepted and the property is...

3 Very Common Mistakes First Time Home Buyers Make

Being a first time home buyer is a very exciting and promising experience. There’s a lot of things that you should know and if you’re directed in the wrong direction it can be very costly and frustrating. Being a first time buying expert, I always like to get the information out so that you as a potential client will have the best information and experience possible. Here are 3 Common Mistakes First Time Home Buyers Make Get Professional Advice One thing I always drive home with my clients, is when you tell people you’re buying a house you will mostly get their bad stories. People are scientifically proven to share a bad experience more than a good one, and being the recipient of this information can create doubt in your mind. What happened to them is possible to happen to you, but from my experience, no two deals are the same. You will have a problem in your purchase, but as a Realtor, my job is to prepare you and forecast for these problems. When the Realtor and lender are on the same page, buyer has been honest about their finances, and diligent about getting their documents in, the transaction is usually smooth. Having a meeting and discussing the process is always a must with a new buyer to educate the on the process and what is expected. Learning the Process Knowing what you’re doing at anything in life will lead a better result. Buying a home is no different, and shouldn’t be treated as such. With first timers, I always like to set up a time to go...

Mortgage Rates Spike Towards Ending of 2016 After Election

Mortgage rates have took a turn and are starting to creep upwards in recent weeks after the presidential election. After Donald Trump became president elect, rates have spiked about 0.5% since. To give you some idea, on a $300,000 mortgage over 30yrs, that’s roughly about a $85 a month increase. Given that rising interest rates effect everybody in the real estate world, here are some things to consider for each: Refinancing-  While the increase has happened, rates are still historically low. If you have had any intention of refinancing, then you should seriously consider reaching out to a loan officer now. Buyers currently shopping- If you’ve been pre-approved to buy a home, that pre-approval was done using a debt to income ratio, which will increase with rising rates. Ask your lender to refresh your pre-approval with current rates to see what your budget looks like, and to ensure you still qualify for your target home price. Home Prices likely won’t spike- Rising rates will likely keep home prices from rising. As previously mentioned, a higher rate changes the spending power of the prospective buyer looking at the sellers home. Sellers- With rates rising, the number of good and qualified buyers willing to pay top dollar for your home will shrink. Speaking with myself about what homes like yours are selling for, can get you a better understanding of the market and if now is the best time for you to enter it. I hope that this has been of some help to you and will assist you with your real estate needs....

7 Do It Yourself Way to Redo Your Bathroom (Without Remodeling)

The bathroom is probably the most frequently remodeled rooms in a home. Many people like it to be inviting and beautiful, and often want to change the colors and style. Many people cant afford to do a full remodel, with new tiling, flooring, vanities, or any of the other things a contractor prices out. Here are 7 things you can do to Remodel your bathroom and save money. Paint This is a pretty obvious choice, because many people usually paint their homes themselves. If your looking for a simple look, maybe go with a soft and soothing tone. If you’re looking for a dark and rich hideaway, choose warm saturated tones. Hardware You’d be amazed at what changing the handles on your vanity, towel racks, toilet paper holder, and other metal items can do for the look of your bathroom. Maybe a nickel, bronze, or stainless finish goes with a more sophisticated look. Storage Keeping the bath clutter free is a big thing, so adding storage space is an ideal thing to change the appearance. A quick and functional fix here are simple storage cubbies. Stash toiletries, makeup and other beauty and grooming equipment in small caddies that you can pop out and put away easily. Lighting Starting your bathroom makeover with the right lighting, can be all the world of change. Changing the bulbs to a softer and more efficient type can also make the room pop even more. Replacing the vanity lighting fixture is easier than you think, too. To keep the job a simple and quick one, simply choose vanity lighting that covers the same space the original...

5 Features That Make A Home Great For Entertaining

With the holiday season upon us and family and friends getting together more than any other time of year, its usually the person with the most spacious home hosts. After all, we want people to be comfortable, right? Well, when you host a lot of events and have a big family, these are some things you need to take into consideration when you’re shopping for your first or next home. Here are the “5 Features That Make A Home Great For Entertaining”. Inviting Entryway This is the first impression guests will have when they walk in your home. It doesn’t have the have a crystal chandelier or marble but just something to make people comfortable as they arrive. A bench, coat-rack, and closet space for jackets are some things that make your entryway stand out. 2. Multiple seating area The best entertainment environments are comfortable and have space for a good number of people. Say for thanksgiving when the men are watching football, and the women are chatting, its nice to have two separate places for them to enjoy each of those gatherings. Living rooms with a grouping of couches and comfortable chairs are an ideal fit for a gathering. 3. Mood Lighting Lighting, if too bright or dark can instantly kill the mood. Don’t stick to just one type of lighting. Layer various types of lighting, like sconces and table lamps, for adaptable levels of light. Increase the coziness factor with assorted candles and holiday decorative lights. 4. Versatile Dining Area This is a big one for gatherings. Having an eat in kitchen, dining room, and say maybe even a...

The Importance Of Credit In Life

Credit to an adult is a huge pillar to the success of an adult. While many people say “Cash is King”, credit is far more important than cash. Very few people can buy homes, cars, and other huge expenses with cash, so the importance of credit isn’t debatable. Unfortunately, many people aren’t taught this during their teenage years and only learn when they’re denied. Good credit can determine where you live, what you drive, where you work and ultimately a lot of the things you have. There are several places that help with rebuilding credit but in the internet age, if you do enough research one can do it themselves. You can also download my Ebook for some tips on small improvement that can go along way as well. Excellent Credit: 750+ Good Credit: 700-749 Fair Credit: 650-699 Poor Credit: 600-649 Bad Credit: below 600 Free First Time Homebuyer eBook...

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