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    <title>Real Estate Resources: A community blog</title>
    <link rel="alternate" type="text/html" href="http://www.witf.org/central-pa-real-estate/" />
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    <id>tag:www.witf.org,2012-10-03:/central-pa-real-estate/48</id>
    <updated>2012-09-05T02:51:25Z</updated>
    <subtitle>Realtor Paul Chase writes about buying and selling homes in Central Pennsylvania. </subtitle>
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<entry>
    <title>How Much To Put Down</title>
    <link rel="alternate" type="text/html" href="http://www.witf.org/central-pa-real-estate/2012/07/how-much-to-put-down.php" />
    <id>tag:beta.witf.org,2012:/central-pa-real-estate//48.75212</id>

    <published>2012-07-03T15:39:58Z</published>
    <updated>2012-09-05T02:51:25Z</updated>

    <summary>When you’re buying a home, you can put as much or as little of your own money into it as your finances dictate – from as little as 3% fro some loans to all-cash. It depends on your available money and the practices of different lenders.</summary>
    <author>
        <name>Paul Chase</name>
        <uri>http://www.witf.org/mt/mt-cp.cgi?__mode=view&amp;blog_id=48&amp;id=244</uri>
    </author>
    
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    <category term="carlisle" label="Carlisle" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="gettysburg" label="Gettysburg" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="harrisburg" label="Harrisburg" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="lancaster" label="Lancaster" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="lebanon" label="Lebanon" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="reading" label="Reading" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="reallife|realissues" label="Real Life | Real Issues" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="york" label="York" scheme="http://www.sixapart.com/ns/types#tag" />
    
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        <![CDATA[<p>When you’re buying a home, you can put as much or as little of your own money into it as your finances dictate – from as little as 3% fro some loans to all-cash. It depends on your available money and the practices of different lenders. <br /> <br /> A 5%, 10%, or 20% down payment is typical, and if you’re shopping for a mortgage, you can bet lenders will more readily commit their money when you commit a healthy portion of yours. Less than 20%, and lenders generally take a harder look at your whole financial situation. They are also apt to require either private mortgage insurance (PMI), or the government backing of the Federal Housing Administration (FHA) or the Veterans Administration (VA) – all good and available options for buyers who simply don’t have the 20% cash. <br /> <br /> Under the new tax law, it may be to your advantage to pay the 20%, if you possibly can – especially if you have to buy private mortgage insurance. PMI costs you up front, at closing and again in annual premiums.</p>]]>
        
    </content>
</entry>

<entry>
    <title>Light is for the Living</title>
    <link rel="alternate" type="text/html" href="http://www.witf.org/central-pa-real-estate/2012/06/light-is-for-the-living.php" />
    <id>tag:beta.witf.org,2012:/central-pa-real-estate//48.75211</id>

    <published>2012-06-20T22:39:15Z</published>
    <updated>2012-09-05T02:51:24Z</updated>

    <summary>Lighting can be a relatively inexpensive but effective way to highlight the positive qualities of your home or downplay areas that are less attractive.</summary>
    <author>
        <name>Paul Chase</name>
        <uri>http://www.witf.org/mt/mt-cp.cgi?__mode=view&amp;blog_id=48&amp;id=244</uri>
    </author>
    
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    <category term="carlisle" label="Carlisle" scheme="http://www.sixapart.com/ns/types#tag" />
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    <category term="harrisburg" label="Harrisburg" scheme="http://www.sixapart.com/ns/types#tag" />
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    <category term="reading" label="Reading" scheme="http://www.sixapart.com/ns/types#tag" />
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        <![CDATA[<p>Professor Von Helsing approaches the house with trepidation – the lone light is from the moon and even that scarcely illuminates the entry way. He wonders what horrors are hidden in the shadows...</p>
<p>A potential buyer for Count Dracula’s castle might also question what is tucked in the dark corners and hallways of the eerie abode.</p>
<p>Bram Stoker, the author of Dracula, and old Hollywood horror-movie directors understood the impact proper lighting has on a situation. A multitude of horrible, dirty, dangerous, unsightly, disgusting surprises can be lurking about, waiting for the most opportune time to make their presence known.</p>
<p>But while Von Helsing overcame his fears and entered the castle despite them, potential homebuyers may not make it past the unlit foyer, no matter how attractive it is. If buyers can’t SEE it, they can’t love it. Even worse, they can fear the unseen (and quite possibly insignificant) qualities, and become uneasy in a home that may be just perfect for them.</p>
<p>Lighting can be a relatively inexpensive but effective way to highlight the positive qualities of your home or downplay areas that are less attractive.</p>
<p>The most desirable and inexpensive lighting is natural sunlight. The easiest way to capitalize on this natural resource is to show your home during the daytime when the sun is shining brightly, throwing open blinds or shades, decluttering windowsills, and washing panes to allow light inside. This is also a good time to move Aunt Gerties’s antique walnut wardrobe away from the window. To do its job, light needs to enter a room unhindered.</p>
<p>Unless your window overlooks a neighbor’s collection of rusting cars or a grimy, graffiti-ridden wall of the building next door, it’s good to keep curtains open when showing your home. It makes the room look bigger and more inviting. If the view is less than attractive, hang sheer curtains over the window that will allow some light in while subtly distracting the buyer’s attention from the unsightly scene.</p>
<p>If the house is dark with few or very narrow windows, take heart. A trip to your local home improvement store can lighten things up quickly. Even naturally lit houses can benefit from the addition of appropriate electric lighting.</p>
<p>Begin by slowly walking through your house, taking special care to flip all switches and look at each light fixture and lamp. Are there burnt-out bulbs that need to be replaced? Keep a list of all the size bulbs you need to purchase.</p>
<p>Do shades or domes have dead insects or dust in them? Clean them and see how much brighter the room looks. Are there scratches, dents, dings or tarnish on fixtures? If they can’t be buffed or cleaned, consider replacing them.</p>
<p>If fixtures need to be replaced, consider your target buyer and the style of your house when choosing the replacements. For example, if the architecture and furnishings of your home are traditional, modern-style fixtures of polished gunmetal would look inappropriate. Or if you’re targeting younger buyers, the original circa 1970 pea green mod-style hanging lamp may need to go.</p>
<p>Lighting can minimize a room’s idiosyncrasies, creating optical illusions that make a room seem wider, a ceiling higher or hallway longer. Long, narrow hallways, common in today’s condominiums, can be transformed from wasted space to an art gallery with the addition of track lighting to illuminate artistic treasures. Is there a room that feels like the ceiling and floor are gradually closing in on you? By avoiding hanging fixtures and using those that throw light up a wall, such as floor can lights, one can make ceilings feel higher.</p>
<p>But if your ceiling has cracks or other blemishes, light that flows down to the floor moves the eye in that direction, distracting a potential buyer’s attention away from a negative feature. On the other hand, bowing walls of older houses require lighting that moves straight from floor to ceiling without hitting the wall. Here, the lamps or fixtures must be placed away from the wall and face the ceiling.</p>
<p>Often one can take fixtures already used in the house and move them to more appropriate areas. Life’s little horrors, real or imaginary, tend to disappear when rooms are lit properly.</p>
<p>Have a particularly small room? A mirrored wall will look double the size that it did when it was only painted. If the mirrored wall is across from a window, the natural light will be reflected and the room will seem brighter.</p>
<p>It’s important to remember that it isn’t enough to just have the proper light fixtures. You need to use them. Even during the day, lights should be on in every room of the house, including hallways, closets, bathrooms, on the stove, in the oven and under hanging cabinets. At night, be prepared for an evening buyer drive-by with lamps illuminated in rooms with windows that face the street. After all, folks need to know that Dracula isn’t lurking in the shadows.</p>]]>
        
    </content>
</entry>

<entry>
    <title>The Bathroom</title>
    <link rel="alternate" type="text/html" href="http://www.witf.org/central-pa-real-estate/2012/05/the-bathroom.php" />
    <id>tag:beta.witf.org,2012:/central-pa-real-estate//48.75213</id>

    <published>2012-05-11T21:23:22Z</published>
    <updated>2012-09-05T02:51:25Z</updated>

    <summary>What you do in the months before you put your house on the market will determine how long your house will take to sell, how much money you’ll get for your house, and how easy (or difficult) your selling experience will be.
There are some simple things that you can and should be doing right now to make sure you’ll get the highest price in the least time.</summary>
    <author>
        <name>Paul Chase</name>
        <uri>http://www.witf.org/mt/mt-cp.cgi?__mode=view&amp;blog_id=48&amp;id=244</uri>
    </author>
    
        <category term="Real Estate Resources: A community blog" scheme="http://www.sixapart.com/ns/types#category" />
    
    
    <content type="html" xml:lang="en-us" xml:base="http://www.witf.org/central-pa-real-estate/">
        <![CDATA[<p>When a house is on the market, it becomes less the owner’s home and more of a display item.&nbsp; Nowhere is this more important to remember than in the bathroom.&nbsp; Buyers don’t want to see the seller’s personal hygiene items, moldy remnants of steamy showers or a soap scum-covered collection of empty shampoo bottles.&nbsp; They want to be confident that this most private of rooms is well maintained and sanitized.&nbsp; The trick to make the area seem less, well...private.</p>
<p>Preparing a bathroom for touring potential buyers is a four step process:&nbsp; clean, repair, sanitize and spruce.</p>
<p>Every surface that can hold something – vanity, toilet tank, shower window, floor – should be divested of as many objects as possible.&nbsp; The same thing applies for anything that can be opened – medicine cabinet, drawers, and linen closets.&nbsp;</p>
<p>Cleaning begins with throwing out any expired medication, make-up that hasn’t been used in a year, nearly empty containers, and any other useless objects found while emptying cabinets and drawers.</p>
<p>The process continues with wiping each shelf, drawer, and cabinet door.&nbsp; When everything is out from under the sink, take the time to check the faucets and pipes for leaks.</p>
<p>If faucets leak, washers probably need to be changed.&nbsp; In some cases, the faucets may be corroded and need to be replaced.&nbsp; If this is the case, opt for an inexpensive and very plain model.&nbsp; Fill the sink with water.&nbsp; If it drains from the sink slowly, pour in some drain clog remover and see if this helps.&nbsp; If not, call a plumber.&nbsp; When everything is clean and in working condition, neatly return items to the cabinet under the sink, using containers for small objects like bath toys, sponges or cleaners.</p>
<p>While the top of the toilet tank is bare, lift up the top and check the water level and condition of the inner mechanisms.&nbsp; Flush the toilet.&nbsp; Does the water refill to the correct level?&nbsp; Does the water shut off when it reaches this level?&nbsp; If not, then the inside mechanism with the seat and stopper at the bottom of the tank will need to be replaced.</p>
<p>This is quite easy and inexpensive to do yourself.&nbsp; Parts are available at your local hardware or home improvement store.</p>
<p>Folks will notice a filthy shower.&nbsp; So, spend some time here.&nbsp; Remove personal items – cleanser, shampoo and conditioner, shave cream, razor, body sponges – from the shower/tub area.</p>
<p>Discard items that are unnecessary and store the rest under the sink.&nbsp; Test the faucets and showerhead.&nbsp; Do the faucets turn off all the way?&nbsp; If not, change the washers.&nbsp; Is the water spraying freely from the showerhead?&nbsp; No?&nbsp; Then remove it and check to see if it’s clogged.&nbsp; If it still doesn’t work properly after cleaning, replace it.&nbsp;</p>
<p>Carefully examine tiles and the tub.&nbsp; Does the tub have chips and discoloration?&nbsp; It may need to be resurfaced or replaced.</p>
<p>How do the tiles look?&nbsp; Any loose pieces or chips?&nbsp; Are there cracks in the grout?&nbsp; Scrub the bathtub, tiles and grout until they are mold and mildew free.&nbsp; Regrout gaps between tiles.&nbsp; Scrape and replace discolored caulking.</p>
<p>When the shower and bathtub have been overhauled, top off your repairs with a new, crisp shower curtain or liner in a neutral color.</p>
<p>Take a good look at the ceiling and walls.&nbsp; Do you see any mold, mildew, fingerprints or grime?&nbsp; If so, scrub it with bleach.&nbsp; Cracking or curling paint should be scraped and repainted in a neutral color.</p>
<p>A rule of thumb:&nbsp; Place only three items on the vanity area.&nbsp; Many real estate experts suggest these include potpourri, a new or clean, filled soap dispenser, and a plant.&nbsp; It’s a good idea to keep the toilet tank top cleared as prospective buyers and inspectors may want to peek inside it.</p>
<p>After the big clean-up and repair job in the bathroom, it’s important to maintain the fresh smell and appearance each day the house is on the market.&nbsp; The space should be kept uncluttered, clean and sanitized.&nbsp; It should reflect well on the house of which it is a part and offer few glimpses of the personalities who currently live there.</p>
<p>At this point, a homeowner enters the sprucing-up stage.&nbsp; After cleaning every nook and cranny in the bathroom, it’s time to add the finishing touches.&nbsp; All dirty towels and wash cloths, bath mats and robes should be removed.&nbsp; A clean set of towels should be displayed before the house is shown.&nbsp; Trash baskets should be emptied and floors wiped daily.&nbsp; All personal grooming items – tooth brushes, make-up, combs and brushes, hair dryers, perfume, etc. – should be tucked away, preferably in a container and stored in a drawer or cabinet.</p>]]>
        
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