By Joe Szabo, Scottsdale Real Estate Team While a bathroom might not be the first room a potential home buyer asks to see, it can make or break the sale. Here are five common mistakes both rookie and seasoned flippers and homeowners make when renovating a bathroom.

Mistake 1: Ignoring proper spacing and layout

Bathrooms may seem straightforward, but a lack of spatial awareness in the renovation planning stages can lead to problems down the road. Remember: Just because you can fit something into the bathroom design doesn’t mean it can function within that space. Always keep function in the forefront of your mind and in your design. For example, if you choose a shower with a door, your bathroom layout should leave plenty of room for it to fully open. No potential home buyer will want to squeeze out of a partially opened shower door every morning. Other considerations include providing enough space to comfortably get on and off the toilet, open cabinet doors, etc. Spatial considerations also include making sure elements of the room are close enough together to function. For example, the toilet paper holder should be within a child’s arm’s reach of the toilet, and outlets should be easily accessible from the counter.

Mistake 2: Choosing the wrong materials

Because of the sink, toilet and shower, bathrooms deal with more moisture than any other room in the house. Homeowners also use many of the strongest cleaning products on bathroom surfaces. Both of these factors, if not taken into consideration, can lead to significant damage if you don’t select the right materials for the job. Go with materials that can stand up to harsh cleaners and are not highly susceptible to mold, warping or distortion. Avoid porous materials that will retain moisture and allow hidden mold to grow.

Mistake 3: Ignoring storage space

No one complains about having too much storage in the bathroom. When planning a bathroom remodel, incorporate plenty of storage space into the design. Consider how many people will use the bathroom. Don’t make the mistake of providing only enough bathroom storage space for one person in a 4-bedroom house. Additionally, most people prefer a bit of privacy with bathroom storage, so a set of floating shelves, while helpful, will not be sufficient on its own.

Mistake 4: Forgetting about ventilation

Ventilation isn’t a glamorous part of a bathroom renovation, but it is essential. Forgetting to work in enough ventilation can lead to mold, mildew and other costly problems in the future. It can also make a bathroom uncomfortable if it’s not properly ventilated during or after a shower. If possible, work in a combination of natural and artificial ventilation sources. A well-placed window can go a long way, but it won’t be very helpful during cold winter months, when a homeowner won’t open it. Make sure to install a quality ventilation fan that can handle the size of the bathroom.

Mistake 5: Putting off lighting plans until the end

Many people think of lighting as a finishing touch to a renovation. While lighting is often installed later in the process, you should plan your lighting fixtures at the beginning of the renovation. Bathrooms are often where people get ready for the day, which is why lighting is essential. Recessed lighting can create shadows on your face in the mirror, and the last thing you want when trying to sell a bathroom is unflattering lighting. Waiting until the end to address lighting can also lead to dark patches within the bathroom. Depending on your preferred shower style, you may or may not need lighting above the shower or tub. Similarly, no one wants to use the toilet in darkness. When drawing up your plans, consider what type of lighting will best accommodate your space and room design. Making adjustments in the planning stages will be much easier than making them at the end of a project. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team For most Americans, their home is their most important financial asset. But in the past, homeowners only knew how much it was worth when they bought or sold their home. Zillow was founded to democratize this sort of information — starting with the Zestimate, Zillow’s estimated market valuation tool. To understand how much your home is worth, it’s important to understand the variety of factors that go into assessing the value, both existing (assessed and appraised) value, as well as potential real value on the market. The Zestimate is Zillow’s tool for extrapolating real market value of your home based on existing home-related data and actual sales prices in your area. Thousands of data points correlate with home values and sale prices — some of which are obvious (like the condition of the home), and some that aren’t so obvious. Here are several surprising things that can affect either the existing value of your home or the price someone is willing to pay for it, all based on data.

1. How close you are to a Starbucks

How far do you have to drive to get a Frappuccino? If the answer is “not that far,” you’re in luck. A 2015 Zillow report found that, between 1997 and 2014, homes within a quarter-mile of a Starbucks increased in value by 96 percent, on average, compared with 65 percent for all U.S. homes, based on a comparison of Zillow Home Value Index data with a database of Starbucks locations. To evaluate if this effect is isolated to Starbucks, or if it extends to other caffeine purveyors, the research team also looked at another coffee hot spot (one with particular pull on the East Coast): Dunkin’ Donuts. The analysis of that data showed that homes near Dunkin’ Donuts locations appreciated 80 percent, on average, during the same 17-year period — not quite as high as homes near a Starbucks, but still significantly above the 65 percent increase in value for all U.S. homes.

2. Blue kitchens and blue bathrooms

Beyond America’s obsession with lawns and all-around “curb appeal,” what’s inside your house counts a lot, too — especially the colors you’ve painted the rooms (particularly the kitchen). According to Zillow’s 2017 Paint Color Analysis, which examined more than 32,000 photos from sold homes around the country, homes with blue kitchens sold for a $1,809 premium, compared to similar homes with white kitchens.

Blue is also a popular bathroom shade. The same analysis found that homes with light pale blue to soft periwinkle blue bathrooms sold for a whopping $5,440 more. Walls painted in cool neutrals like blue or gray can be signals that the home is well cared for or has other desirable features.

3. Trendy features

Joanna Gaines’ aesthetic is permeating more than just your YouTube search history. Zillow listings mentioning some of the shiplap queen’s favorite features — keywords like “barn door” and “farmhouse sink” — sell faster and for a premium, according to a 2016 Zillow analysis of descriptions of more than 2 million homes sold nationwide. Listings with “barn door” in the description sold for 13.4 percent more than expected, and 57 days faster than comparable homes without the keyword. Meanwhile, listings touting “farmhouse sink” led to a nearly 8-percent sales premium. This “barn door” effect doesn’t seem to increase the value of the home off the market, but is seemingly due to the popularity of this style at the time of the analysis. Sellers can use the listing descriptions to highlight trendy details and features that might not be noticeable in the photos.

4. How close you are to a city

If you own a home in a major metropolitan area in America, you’re most likely sitting on a significant (and rapidly appreciating) financial asset. Case in point: Home values in the New York, NY metro area are worth $2.6 trillion, per a recent Zillow analysis — which is more than the value of the entire French economy. The average urban home is now worth 35 percent more than the average suburban home. Since 2012, the median home value in urban areas have increased by 54 percent, while in suburban areas the median home value is up 38 percent. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team In 15 years of real estate, I can honestly say that I’ve seen it all. Toilet seats up in listing photos, shag carpet covered with dog hair, bedrooms doubling as marijuana growing centers, and avocado green appliances from the ’70s. Sellers aren’t required to get their homes in their best condition before showing them — let alone cleaning their home before listing. But one seller’s laziness can spell a giant upside for the right buyer. Here are three sights that may be off-putting when you’re shopping for a home, but shouldn’t stop you from considering making an offer — particularly if you love the home, layout or location.

Odd wallpaper and dirty carpet

Today’s buyers generally prefer a home that’s turn-key or move-in ready. They’re too busy with their day-to-day lives to take on a renovation — and this is especially true for the continuously connected, mobile-ready millennial home buyer. But painting walls and replacing carpets isn’t always time-consuming or expensive, and you can do these projects before moving in. If a seller won’t replace their shag carpet or paint the interior a neutral color, they’re shooting themselves in the foot. A fresh coat of paint and finished floors or new carpet won’t break the bank or take more than a week, and the end product will be a like-new home for you to move into.

Rooms being strangely used

It’s not uncommon to see a home’s dining room transformed into a full-fledged office. Some homeowners even have a bedroom doubling as a walk-in closet. I once saw a first-floor bedroom turned into a wine-tasting room. Just because the homeowner uses these spaces in a way that suits them, doesn’t mean you have to. These rooms might stand out as odd to you, but try to forget that the seller lives there. Once they’ve moved out, the dining room will be a space that just needs a great light fixture and table. The walk-in closet can be turned back into a bedroom in less than a day.

A too-strong seller presence

It’s difficult for a buyer to imagine themselves in a home if it’s full of the seller’s photos, diplomas and other personal belongings. The best homes for buyers are those that are neutral and lacking any items specific to the owner. What’s worse is when the seller is present at a showing. It makes everyone uncomfortable. The buyers feel like they need to be on their best behavior and can’t explore the house, dig deep into closets or cabinets, or feel free to talk out loud about what they see. A home that is too personalized or where the seller is always present can sit on the market and get a bad reputation over time. A smart buyer will use that to their advantage and snag it below the asking price. Sellers who sabotage their home sale — whether intentionally or not — leave money on the table for the buyer. But typical consumers today have a hard time seeing through a seller’s mess, personalized design style or custom changes. If you see a home online that’s in a great location with a floor plan that’s ideal, go see it. Ignore the things you can change, and think about whether you can make the home your own. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team A generation ago, few would consider trekking out in a foot of old dirty snow to shop for a home on the weekend. But with our always connected, information-flowing society, today’s buyers shop and make deals all year long. If you’re a buyer looking in a part of the country where you may not see a home’s front lawn until May, keep these points in mind as you shop.

Seeing a home at its worst is a plus

Let’s face it, no home shows at its best in the middle of the winter. It’s cold, dark and often wet. And that’s great news for the buyer. Why? Because you can discover its flaws, such as a lack of privacy, abundant street noise, leaks or drafty windows. You’ll see the home in its worst “light” — and in some cases, you’ll realize it’s just too dark or exposed. Come spring, the flowers, grass, landscaping and foliage will only enhance the home.

You can ask to see summer or fall photos

Smart listing agents get exterior photos from their sellers to show off the pool, lawn, flowers, and gardens in bloom. Even though they’re listing in January, they should promote the home’s assets from other times of the year. If the listing doesn’t include photos, ask to see some. It means fewer surprises when the snow melts, the ground thaws, and it’s now your home and your responsibility.

What about features you’re unable to test?

If the home has a pool that can’t be inspected because the seller closed it for the winter, you need to request that they leave money in escrow or extend the closing time frame. When warm weather returns, you can inspect the pool and its systems to be certain it’s in good working condition, and free of leaks or damage. Unless a seller provides a disclosure about some part of the pool not working, they’re responsible for remedying any issues. If all works out, the attorney or escrow company will release the funds.

Documentation can help alleviate uncertainties

Frozen ground prohibits digging for contaminates of previous underground oil storage tanks. And homeowners typically winterize sprinkler systems, accessory apartments or cottages. In the event you can’t inspect every feature or get escrow funds negotiated, ask for documentation. The plumbers, pool company and outside vendors should have records, so you can request documentation showing that all was shut down or closed out properly. Even better, ask to meet with the tradespeople who did the work.

It doesn’t hurt to ask

Although homes sell all year-round, it takes a determined customer to trek through the snow and ice to initiate a real estate transaction. For the right house, a winter purchase could spell opportunity. Double up on due diligence, and don’t be afraid to ask for a longer closing or to arrange to have the home inspected come spring. Everything is negotiable, so smart buyers should protect themselves. Once a deal closes, there is rarely sufficient recourse. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team Even with new homes, things can go wrong. That is why many buyers of newly built homes are interested in warranties, which promise to repair or replace certain elements of the home. Many home warranties are backed by the builder, while others are purchased by builders from independent companies that assume responsibility for specific claims. In other cases, homeowners purchase coverage from a third-party warranty company to supplement coverage provided by their builder. In fact, the Federal Housing Authority (FHA) and the Department of Veterans’ Affairs (VA) require builders to purchase a third-party warranty as a way to protect buyers of newly built homes with FHA or VA loans. The key to any of these warranties is to understand what’s covered, what’s not covered, how to make a claim and the process for resolving disputes that might arise between you and the builder or warranty provider. Most warranties for newly constructed homes offer limited coverage on workmanship and materials as they relate to components of the home, such as windows, siding, doors, roofs or plumbing, electrical and HVAC systems. Warranties typically provide coverage for one to two years, although the specific time period may vary by from component to component; coverage may last up to a decade on major structural elements. Warranties also routinely define how repairs will be made and by whom. Warranties generally do not cover household appliances, tile or drywall cracks, irrigation systems or components covered under a manufacturer’s warranty. Most warranties also exclude expenses incurred as a result of a warranty repair construction, such as the need to store household belongings while a repair is being made. Before you close on your new home purchase, you should ask your builder – or your third-party warranty provider – these questions:

• What does this warranty cover?
• What is not covered by this warranty?
• What’s the process or timeliness if I have a claim?
• Is it possible for me to dispute your decision to deny a claim?
• What is the extent of your liability?
• Can you refer me to other new home owners with whom you’ve worked so I can speak to them about warranty coverages?
• Where are some of you previous projects so I can speak with owners there?

The information you gain may not be enough to send you running from your new home deal, but it should help you understand where you’ll stand if you ever need to file a claim. You should also check with your state’s Attorney General Office or contractor licensing board to make certain your builder is offering all warranties he’s required to provide. To learn more about builders’ warranties, contact your state or local builders’ board. If you’re making your home purchase with an FHA or VA loan, those organizations can also provide you with additional information. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team Searching for a home and engaging with a real estate agent today is not the same as it was a generation ago. The space (both physical and virtual) between the buyer and the real estate agent was much larger, and coming together was slower and more methodical. If a buyer saw a For Sale sign or an ad in the paper, they might call the real estate agency’s office, get some information, and move on. Or they could walk into an open house solo. They could be rather anonymous. But today’s home buyers live online. They can click, text or email with agents, and seriously engage within hours. But does that mean they are active and serious buyers ready to transact? Not necessarily.

The real estate agent’s experience

Meanwhile, real estate agents, who are commission-only independent contractors, will sometimes drive around for hours showing homes. They may take these buyers around for days or weeks, thinking they have a live client they can help. They might make an offer or two on behalf of the customer, even be present at a two- to three-hour-long home inspection … all before the buyer decides to back out. They may buy a different house from the agent, or they may not. Well-intentioned, hardworking agents can end up feeling like their time isn’t valued — particularly when they never hear from that buyer again.

Who’s responsible?

Is it incumbent on the agent to be better at time management and qualifying their potential buyer clients? Or should the buyer be clear with the agent early on if they aren’t serious just yet? I think that the consumer comes first, and it’s up to the agent to better qualify — as best they can. But it’s also part of the business, and par for the course. Agents sign up for a sales job, and they can’t win every deal. They need to ask lots of questions of their new “client” before offering up their time and cashing a paycheck that doesn’t exist. Some consumers relish the attention they receive from this new “friend” who will drive them places, show them around, and teach them something new about the world of real estate. If the buyer isn’t paying for the agent’s time, the reasoning often goes, why not take a few rides and see some great houses? But soon-to-be homeowners should be mindful of their intentions, and considerate of the resources the agent is delivering.

So what’s a buyer to do?

Should everyone stop looking online or clicking the “Contact Agent” button? No way. Consumers should always feel free to click away, ask questions and gather information. But they should be mindful of how things work once they start seriously engaging. Most buyers don’t realize that there is a process to buying a home, and that it rarely happens overnight. From the time they first click on the photo of the killer master bathroom until they get the keys, it might be one year and three dozen (or more) house tours. And if things don’t feel right with the agent with whom you engage early on, move on. Keep researching independently, or get a referral for a good local agent. Or, better yet, just go with the flow and the right agent will come along organically.

And what about agents?

Real estate professionals need to understand that one text, click or email does not make an active buyer. A good agent has a handle on the sales process, and asks buyers lots of questions to get a read on them. A good agent fills their sales funnel with a mix of folks in all parts of the home buying process. Early on, an agent needs to be a guiding light, resourceful and ready to answer questions. As some of their buyers get more serious, smart real estate pros know where to direct their attention. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team Navigating the purchase of a home can be overwhelming for first-time buyers. Lenders require documentation of seemingly every detail of your life before granting a loan. And of course, they will require a credit check. A question many buyers have is whether a lender pulls your credit more than once during the purchase process. The answer is yes. Lenders pull borrowers’ credit in the beginning of the approval process, and then again just prior to closing.

Initial credit check for preapproval

In the first phase of acquiring a loan, pre-qualification, you’ll self-report financial information. Lenders want to know details such as your credit score, social security number, marital status, history of your residence, employment and income, account balances, debt payments and balances, confirmation of any foreclosures or bankruptcies in the last seven years and sourcing of a down payment. This is only a portion of the total information needed for your mortgage application. Once you’re ready to get preapproved for a loan, lenders will verify your financial information. During this phase, lenders require documentation to confirm the information in your application and pull your credit history for the first time. You may be required to submit a letter of explanation for each credit inquiry in recent years, such as opening a new credit card, and for any derogatory information in your history, like a missed payment. Once you find a home within budget and make an offer, additional or updated documentation may be required. Underwriters then analyze the risk of offering you a loan based on the information in your application, credit history and the property’s value.

Second credit check at closing

It can take time for your offer to be accepted, and for your loan to pass underwriting. During this period from the initial credit check to closing, new credit incidents may occur on your history. Many lenders pull borrowers’ credit a second time just prior to closing to verify your credit score remains the same, and therefore the risk to the lender hasn’t changed. If you were late on a payment and were sent to collections, it can affect your loan. Or, if you acquired any new loans or lines of credit and used those credit lines, your debt-to-income ratio would change, which can also affect your loan eligibility. If the second credit check results match the first, closing should occur on schedule. If the new report is lower or concerning to the lender, you could lose the loan. Alternatively, the lender may send your application back through underwriting for a second review. It’s important for buyers to be aware that most lenders run a final credit check before closing, so the home-buying window is a time to prudently mind your credit. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team Kitchen renovations require time and money, taking several months to complete and costing tens of thousands of dollars. If you don’t have the financial resources for a full-on renovation, there are a variety of ways you can give your kitchen a new look for a lot less. From refacing cabinets to replacing lighting, a few cosmetic tweaks can give you the kitchen you’ve always wanted.

Cabinets

More and more homeowners are turning to kitchen refacing as an easy way to update their cabinets. Refacing involves replacing the doors, drawers and hardware and covering the entire exterior of the cabinets in a brand-new veneer. If you’re happy with the layout and function of your kitchen, but aren’t necessary keen on the aesthetic feel, consider cabinet refacing. “It’s for people who have kitchens from the ’70s and ’80s that have solid wood cabinets,” says interior designer Anna León, who has a background in kitchen refacing with Home Depot. “They can take off the original doors and put on modern doors.” The cost, which starts at around $6,000, depends on the size of the kitchen and the materials used. With an array of options available — such as woodgrains, painted wood and pressure-fused laminate doors like Thermofoil — you can transform a kitchen’s facade easily. Contemporary Thermofoil doors also come in a variety of fun looks, including glossy, matte and woodgrain. As opposed to a full-on kitchen gut and renovation taking several months to complete, cabinet resurfacing typically takes three to five days. Painting cabinets is a more affordable route to take than refacing, costing around $3,000 to $5,000 for a professional to do the job, according to León. Or, you can always DIY, which is the most affordable option, but is laborious and takes a great deal of time. “Painting cabinets is great, but it’s all about the prep work,” says Richmond, VA-based interior decorator Lesley Glotzl. “You have to prep and paint them perfectly or they’re going to chip or peel. You can’t cut any corners.”

Backsplash

Creating a new backsplash is an easy way to freshen up your kitchen. Be sure to choose a timeless material that will complement your cabinetry, and avoid mixing styles and periods. For instance, if you have ’70s-era cabinetry, you won’t want to pair that with something trendy like subway tile. If you’re a confident DIYer, tile your backsplash. Or for $20, you can paint it in a bold high-gloss paint that you can easily wipe down after cooking. In Glotzl’s home, she installed a beadboard backsplash and painted it in a high-gloss blue. Shiplap is an affordable and durable option as well, and it’s not difficult to DIY. Glotzl also recommends using vinyl wallpapers from companies like Osborne & Little as backsplash, as they come in an array of fun textures, colors and patterns.

Countertops

For countertops, head to your local stone yard and choose a granite at the lower end of the price range. Formica — a more affordable option than natural stone — has a lot of cool countertop options in patterns like Greek key or textures like barn wood or grasscloth. If you’re short on counter space and aren’t looking to add more cabinetry, consider buying a premade island or bar-height table that you can float in the center of your kitchen. Or, if you have a more contemporary kitchen, consider purchasing a stainless-steel food prep table from a restaurant supply company. Just make sure you have at least 36 inches between the cabinets and island on all sides for easy traffic flow, advises Glotzl.

Shelving

If your cabinets don’t have lip molding on the interior, remove cabinet doors to create open shelving and show off your beautiful serving dishes. Or, if you have an empty wall, create your own shelving system with floating shelves from a retailer such as Pottery Barn or IKEA. Just be sure you install brackets underneath the shelves if you plan on loading them up with dishes and cooking wares. Glotzl recommends Van Dyke’s Restorers for shelving support.

Lighting

Lighting can dramatically change the look and feel of any room. Tear out harsh fluorescent lighting and replace it with can lights. Make food prep easier by having an electrician install under-cabinet halogen fixtures or ambient Light Tape. Over the kitchen sink is the perfect place for a statement piece like a sculptural pendant light.

Pulls and knobs

If you’re going the cabinet-refacing route, you’ll have plenty of new pulls and knobs to ponder. You can find them at online retailers or local shops. If you’re painting your cabinets — or even if you’re not — new pulls and knobs can go a long way toward creating a new look in your kitchen. This simple solution is one that works particularly well for renters.

Appliances and plumbing

Dated appliances paired with updated cabinetry will make your kitchen feel incomplete. New stainless-steel appliances are the finishing touch. For less than $500, you can get a new stainless-steel electric range; for less than $700, a brand-new top-freezer refrigerator. “Compared to everything else you have to do, it ends up feeling like pocket change,” says León. You can easily update your faucet for under $100 (although, of course, you could spend a lot more). And a new farmhouse sink could be yours for less than $400. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team Thinking of buying a home this year? We compiled five New Year’s resolutions that can help you keep your financial resume in tiptop shape.

1. Avoid job hopping

Employment history and income are two of the biggest factors lenders look at when evaluating a mortgage application. A new job may be a good career move, but if you plan to buy a home in 2018, know that it can be a red flag to some underwriters — especially if you’re moving to a different industry. A steady job history and few or no gaps in employment over the past two years are ideal, as it helps lenders more easily forecast your future income. If you do get a new job while home shopping, let your lender know as soon as possible. It doesn’t mean you won’t qualify for a mortgage — just be prepared to show extra documentation. If you’re moving from a commissioned or hourly job to one that’s salaried with equal or more compensation, it may help your application, as lenders often prefer borrowers to have steady, predictable paychecks.

2. Limit monthly subscription services

Monthly subscription services are certainly convenient, but they can add up. Even if you pay off your credit card every month, you could be dinged for high credit utilization if your credit report is pulled midcycle. If you’re thinking of buying a home this year, consider keeping your monthly subscription services to a minimum.

3. Build a solid credit history

One of the first things a lender will look at is your credit history. Lenders like borrowers who have a history of paying off debts, like credit cards, on time because it signals that you’re less of a risk and a responsible borrower. If you don’t have credit, securing a home loan may be significantly more challenging and time-consuming, but not impossible. Records of paying rent and utilities on time, as well as student loan debt or cell phone bills, can help show a potential lender that you have a history of managing monthly payments.

4. Check your credit

Your credit score can have a significant impact on your ability to buy a home. A low credit score can negatively affect how much money a lender is willing to loan you, as well as your interest rate. Just a few percentage point differences in an interest rate can cost you thousands over the life of a loan. Monitor your credit closely, especially for fraudulent activity, to prevent any surprises that could delay the loan application process. If you’re unsure of your credit score, many financial websites offer credit score monitoring, or you can get a full credit report once a year.

5. Avoid large purchases

Avoid taking on large amounts of debt — whether it’s buying a car or planning a large vacation — before buying a house, even if you’re already preapproved. Your debt-to-income ratio, or how much money you make compared to how much debt you have, can significantly affect how much money a lender is willing to give you. Keeping debts to a minimum can help make the home-buying process go a lot more smoothly. Just like proofreading your resume before you apply for a job, cleaning up your financial resume can help improve your chances of buying a home. Take advantage of online tools and resources, like our affordability calculator, which can help you determine how much home you can afford. Our mortgage calculator can also provide custom down payment estimates based on home price and interest rates. And as you search for your future home, check out our extensive lender and agent reviews, which can help you find the best real estate partners for your needs. Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.

By Joe Szabo, Scottsdale Real Estate Team It’s the season of fresh starts, which means it’s the perfect time to rejuvenate your home organization strategy. Spoiler: It’s not as hard as you think! In fact, these stress-reducing tips will help you solve some of the most common home organization woes — simply and with minimal effort.

1. “I can’t find it!”

Cutting clutter is an obvious starting point for resolving this issue. Having too much stuff can make it hard to locate items you need. Favorite shirts get lost in a crowded closet, the perfect spatula hides in the overstuffed kitchen drawer, and necessary tools float to the bottom of an unsorted toolbox. But getting organized may be easier than you think. Let’s take those tools as an example. The garage can be one of the messiest places in the house, but this simple and easy starting point will help you get it under control.

1. Hang a pegboard, and install some hooks.
2. Using a marker, draw an outline around each tool to indicate its location.

You’ll have a tool organization system that not only keeps you organized but also alerts you when the tools are missing. Plus, organizing is contagious — once you start, it spreads rapidly throughout the house.

2. “I left home without it (again).”

Have you ever walked out of the house and forgotten the birthday card for your friend? Left the set of directions to your niece’s wedding on the printer? Or failed to retrieve the receipt for returning the vacuum you purchased last month? If only we could remind ourselves about these things before walking out the door. Whether the front door or mudroom is your jumping-off point each morning, you can set it up for total success. Create an organizing system with pockets that hang on the knob or over the door to hold items you’ll need before you leave for work, school or events. A simple door organizer usually costs under $15 either in stores or online.

3. “Did you wash my soccer uniform?”

The laundry room is often the nemesis of an organized house. Here’s a laundry system that will restore household harmony and save you time: Get each family member their own laundry basket, and label it. Rather than placing the clean laundry on the stairs or couch and watching everyone walk by without picking up their clothes, ask them to pick up their personalized basket in the laundry room. There will be no lost items or mix-ups — and no more blaming you.

4. “Do I have to do everything?”

The kitchen is the pulse point of most homes. It’s a high traffic area that everyone uses all through the day. We open our mail here, study for school here, use the computer here, pile our stuff here — plus, it’s where the food is! Dedicate one part of the counter to be set up for daily routines, like a lunch-making station. Stock it with paper towels, wraps, baggies and a cutting board. You could also make a coffee and tea station, equipped with supplies like filters, strainers and sugar. If you create an organized space for your family to make their own lunches or coffee drinks, your life is easier. That’s called delegation.

5. “Where’d I put the phone number for the doctor’s office?”

Another tip for the kitchen is one that can save a life: a household manual, in either a physical or digital form. You can create this in just a few minutes, and it costs you nothing. To get started, grab a binder and three-hole punch, and put all your vital information in the binder. This includes emergency contact info, the name of your family doctors and vet, school rosters, alarm codes, medications and dosages for the kids, caregiver names, the location of your wills — anything you’d need someone to know in an emergency. When you have a minute, make it digital. But start with step one: Simply gather important information in one place, and keep it contained.

6. “I can’t corral these crazy cords!”

Phones, chargers, remotes and mismatched cords are always scattered throughout the house. The shortcut for pulling everything together? A central charging station. A charging station hides cords, keeps all electronic items together and can even blend in with your furniture.

7. “There are toys all over the place!”

Many parents’ biggest home organization issue is the kids not picking up their toys. The solution here might be as simple as teaching your children organization skills early on and making it easy for them to put things in their place. Here’s one idea that will allow you to shift from frustration to elation:

1. Use bins to hold the toys. Each bin should hold toys of the same type.
2. Find a picture of the toys being stored in each particular bin. For example, if you have dolls and stuffed animals in one bin, attach a picture of dolls and stuffed animals to the front of it.

8. “Can everybody please clean up after yourself?”

Wouldn’t it be wonderful if everyone could clean up their own mess in at least one communal room? Does your bathroom come to mind? Make this a reality by creating a system that works fairly universally. Get each person in the house a toiletry caddy. Just like at summer camp or in a college dorm, put names on the caddies, and store them on shelves in the bathroom or, if space is really at a premium, ask folks to carry their caddies back and forth from their bedrooms. The bathroom stays organized, and there’s an automatic tidying-up system built in after every visit.

9. “I have no place to really relax.”

Clearing clutter can create a peaceful home — away from overstimulation and the demands of our external world. Take that idea to one room in particular: our bedrooms, which are meant to serve as a sanctuary for rest and romance. The piles of laundry, books and magazines living next to the bed nix any possibility of a calm and relaxing experience. Let’s get the laundry and closet into a workable system and put a cap on the number of books and magazines in your personal space. You can start to create a peaceful space by:

• Getting rid of clothing you don’t need anymore. Box it and store it, sell it or give it away.
• Going through all the books on your bedside table (or floor), and selecting just one to read. Store the others in an alternate location. Keep just this month’s magazines on your table, and either relocate, recycle or donate the rest.

10. “I don’t have time to get organized.”

One of the top reasons for not getting organized is lack of time. It seems we devote all the energy we have to work, family, school, volunteering and other commitments. While many of us dream about alphabetized folders and color-coded sheets and towels, the fact remains that there is often little time in the day to organize or even clean. The best way to manage this issue is to reduce — and then repeat after me.

• Reduce. Eliminating clutter is the No. 1 thing we can do to create more time for ourselves. When there’s less clutter, we spend less time cleaning it, less time putting it back where it belongs and less space storing it. Take just 10 minutes today, and eliminate 10 items you no longer really need.
• Repeat after me. Here’s a mantra for you: Avoid perfection at all costs. Don’t get too hung up on the details. Your home doesn’t need to be perfectly organized every day. Sometimes “good enough” is all you need.

Please note that this Scottsdale Real Estate Blog is for informational purposes and not intended to take the place of a licensed Scottsdale Real Estate Agent. The Szabo Group offers first class real estate services to clients in the Scottsdale Greater Phoenix Metropolitan Area in the buying and selling of Luxury homes in Arizona. Award winning Realtors and Re/MAX top producers and best real estate agent for Luxury Homes in Scottsdale, The Szabo group delivers experience, knowledge, dedication and proven results. Contact Joe Szabo at 480.688.2020, [email protected] or visit www.scottsdalerealestateteam.com to find out more about Scottsdale Homes for Sale and Estates for Sale in Scottsdale and to search the Scottsdale MLS for Scottsdale Home Listings.