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3 Mistakes First-Time Buyers Make (and How to Avoid Them)

Wednesday, April 24, 2024
by Tucker Robbins


There are a few mistakes that many first-time home buyers make. Here are three of the most common mistakes and how you can avoid them when purchasing your first home.

Mistake #1: Assuming your credit is good.

The information in your credit report determines whether you can get a loan — and how much interest you will have to pay – so it pays to be certain your credit reports are accurate.

Check your credit reports for free from all three credit reporting companies — Equifax, Experian, and TransUnion — to make sure everything is correct. If you find errors, contact both the credit reporting company and the information provider (the person, company or organization that provided information about you to a credit reporting company) involved in the errors and ask them to fix the credit report errors.

Mistake #2: Getting pre-qualified, not pre-approved, for a loan.

It’s far better to be pre-approved for a loan than to be pre-qualified. Here’s why…

With pre-qualification, your lender does a preliminary evaluation of your ability to pay for a home and gives an estimate of the mortgage amount they’ll give you. The lender does not verify the information you provide.

Mistake #3: Allowing emotions to influence your decisions.

Buying a home is an investment. It needs to be treated as any other investment. You don’t buy stocks because they are pretty and you shouldn’t pick your home that way either. Make sure the home you buy fits your needs and allows you room to grow over the next few years. As with any sound investment, time is the key to a good return.

If you are a first-time home buyer, we would be happy to help you find (and get the best price for) your first home.

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Keeping Our Children Safe Online

Wednesday, April 17, 2024
by Tucker Robbins


Technology surrounds us in every aspect of our lives, including this blog; it is always with us especially since it became handheld. Emails are sent and received, topics are searched for, books are written, video conferences are done, and listed homes are viewed online. Our kids aren’t just seeing us constantly be digital but they are becoming more tech-savvy at a younger age themselves, out of necessity in part. Even schools require students as young as lower elementary school to do projects involving computers. As parents we of course want nothing but the best for our children and always want them to be safe, keeping them safe in this digital age can be overwhelming to navigate. I want to help make this easier for both you and me.

Here are a few tips I think can be helpful in getting started to keep the kids safe.

Set Rules- Give them a set screen time when they can use digital devices and keep that time a constant. Decide what timeframe you are comfortable with beforehand. Create rules or actions if they break the amount of screen time they’re allowed or sites that are okay, e.g. losing the internet for a few days, not watching a show they enjoy, etc.

Be a part of their computer time- Know what sites your kids are visiting and check in on them to be sure they don’t need assistance and to be sure they are on ‘approved by you sites’.  Setting up an ad-blocker can be useful in aiding with younger children who are still navigating the web. Putting up the computer in a common family area like a dining room, living room or basement will make monitoring their online activity easier.

Make them aware- Let them know that things can happen online and to be careful of online encounters (e.g.- bullies, people talking to you that you don’t know, things that they know their parents wouldn’t want them to view, etc.). Telling your children, stressing how significant it is, on a regular basis the importance of protecting their privacy and always being aware and alert of what can go on in the digital world we live in.  Whether it is to understand there are cyber bullies around to the various cybercrimes, password strength and security importance and how identity theft works, or how to identify and handle it and being mindful of online profile.

Parent approved kid-friendly sites- There are sites out there that are parent approved yet kid- friendly and popular. Which still allows them to have fun online and gain experience with technology but they’re still child-safe. Options could include:

As a parent it doesn’t matter where your child goes when it comes to anything digital, when it comes to aiding in keeping them safe remember these guidelines. Teach them information and awareness, give them guidance, and encourage them. 

A couple good websites for additional reading: SafeKids  & iKeepSafe. 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Curb Appeal Tips in New Castle County, DE

Wednesday, April 10, 2024
by Tucker Robbins

Obviously, the first thing a prospective buyer sees when they drive up to your house is the front outdoor space and exterior.  First impressions can make or break a sale! Bring your curb appeal to life with a few easy and easy-on-the-budget ideas. 

 

  • - Use a long-handled soft brush and mild soap and water to wash the front of your home’s exterior.   

  • - If you don’t own a pressure washer, rent one from your local home store and give the driveways and walkways a good cleaning, paying special attention to stains from fallen leaves. 

  • - Store away any personal items you have in the front garden, like statuary, monogram garden flags, and even the basketball goal over the garage door.  You want the buyers to imagine your yard as their own. 

  • - Trim or remove shrubbery and trees, or large plantings that don’t show off the front of your home.  If the job is too big, a professional may need to be called in. 

  • - Give the front door a fresh coat of paint in a bright inviting color, add a new welcome mat, and if necessary, install new hardware and clean up or add new house numbers. 

  • - Simply changing your old porch or yard light sconces can make a big difference in appearance, as most homes are shown during the day, but many house hunters drive around in the evenings, looking at homes on their want list, so you want the lighting to shine bright. 

  • - If you don’t want to invest in a lot of flowers in the landscape in hopes that you will be moving soon, cover the beds with new mulch.  For some color, place pots and containers in strategic areas filled with flowers and greenery. 

  • - On a large front porch, add a sitting area with an indoor-outdoor rug and casually arranged porch furnishings.   

  • - Fencing adds value to your home, but it needs to be in great condition.  Clean the fence, painting and repairing where needed. 

  • - Don’t forget the mailbox!  Inspect the post and mailbox itself carefully, and give it a good cleaning, or replace it altogether.  Some low maintenance plants around it will make it stand out. 

 

You want your home to give your potential buyers a great impression when they drive up.  They will likely have already scrolled through your home’s photos in the online listing, so it needs to look as great or better than what they’ve already seen.  These tips may seem insignificant to you, but look at your home through a buyer’s eyes, and do whatever is necessary to turn that first impression into a sale! 

 

Courtesy of New Castle County DE Realtors Tucker Robbins. 

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Getting Ready for Outdoor Time!

Wednesday, March 27, 2024
by Tucker Robbins

 

Warmer days are on the way, and when the weather cooperates, home owners are outside preparing their yards, gardens and pools for the coming Summer. But is your patio looking a little sad?  Do you want to utilize your front porch more this season?  Your outdoor spaces only need a little TLC and elbow grease! 

 

  • - Sweep patios to remove loose debris.  Use a pressure washer on concrete, or a long-handled stiff brush and warm water mixed with bleach--a 10:1 mixture is strong enough to clean the area well.   
     

  • - For porches, sweep the flooring, as well as ceilings and posts, and a shower of water from the garden hose should remove the dust and cobwebs.  If something needs more attention, use a soft bristled brush or flat mop dipped in a mixture of warm water and mild dish detergent. 
     

  • - Wood decks may only need a simple sweeping and washing down with a hose and soft scrub brush. If you’re thinking about staining or painting the woodwork, a pressure washer would be the best tool to prep it for its makeover.  
     

  • - Screening should be checked for holes and rips that can be eventually be big problems, and is easy to replace for little cost. 
     

  • - Check for any cracks in cement patios.  Fill them with caulking or even quick-drying concrete.  Many easy and affordable repair kits are in local home stores. If the problem goes deeper than just a crack, call a contractor to come and make sure the problem isn’t structural. 
     

  • - Bricks and pavers can become loose over time, and filling the spaces between them with sand is one way to sturdy them.  According to Neave Masonry, after filling in between the pavers with sand, use a broom to distribute it evenly, wet the pavers, and once it’s settled, add more sand and repeat.  Continue to add sand until the spaces are filled with sand. 
     

  • - Keeping outdoor furniture covered when not in use is great, but it still would be a good idea to give it a good cleaning since you’ll be using it soon.  
     

  • - Get your planters ready for flowers by removing soil from them and clean with a spray from the water hose.  Soak them in a mixture of 9 parts water to one-part household bleach to get rid of any bacteria that could’ve grown in the Winter, and rinse well. 
     

  • - Outdoor pillows can take a beating, so if yours are looking grim, you can purchase new covers more inexpensively than completely replacing the pillows.  If they have been in outdoor storage, wash them, hang them outside to air dry, and add the new covers. 
     

  • - Spruce up the seating area with fragrant plants, an outdoor area rug, hang pretty sheets or shower curtains on tension rods to add some drama, and some DIY lighting--check out these ideas from BuzzFeed.   

 

Don’t wait until it gets steaming hot or two hours before your cookout guests arrive to get your yard and outdoor seating area in order.  Doing it now will encourage you and yours to spend more time in the outdoors to dine al fresco, relax with a good book, or spend time winding down after a long day at work.   

 

Courtesy of New Castle County DE Realtors Tucker Robbins.

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Selecting Plants and Flowers for Your Home Garden!

Wednesday, March 20, 2024
by Tucker Robbins


Many of us select plants for the garden at our New Castle County DE home based on their visual effect—color, height, size of blooms, etc. And so we should, as the sight of our plantings should be pleasing to our sense of sight. As we plan our garden, however, we should also be aware of the other four senses—and include plants which appeal to each of them.

SMELL: Aromatherapy is a powerful practice. With nothing more than a simple scent, the brain can be triggered to remember long forgotten memories, emotions, and feelings. With that being said, it is important to carefully select the flowers you want in the garden of your New Castle County DE home. With a few simple choices, you can create your own "memory lane' or relaxing oasis. In terms of fragrance, it’s hard to beat roses or lavender. Wisteria and jasmine are scented climbers which can really enhance the sensory pleasure of a garden, and amaryllis belladonna and spirea both add pleasant scents.

SOUND: Few of us associate the sense of sound with our garden, but the rustling of long grasses and the chirping of birds add a much-appreciated dimension. To attract songbirds, use fruit-bearing understory trees like dogwoods and service berries and shrubs such as viburnums and hollies and introduce low growing perennials and dwarf shrubs like creeping juniper and cotoneaster. You can also plant vines, ground covers, and sunflowers to increase chirping and tweeting.

TOUCH: Texture in garden design refers to the surface quality of the plant. Plant textures range from delicate and fine to coarse and bold. The feel of the foliage in your New Castle County DE home’s garden is not the only element of texture, however, as the texture can change with the play of light and shadow and even with viewing distance. Plants with thread-like leaves call out to be touched, so consider adding cosmos, baby's breath, asters, and grasses. In addition, iris and lamb’s ear will each provide softer tactile experiences.

TASTE: The world of herbs is nearly without limits. Think about basil, chives, rosemary, chamomile, cilantro, mint, and parsley, to name just a few tasty garden additions. Consider, too low bush blueberries or ligonberries. Lesser known, but equally valuable as salad additions are the flowers of the hibiscus shrub, columbine, and daylilies.

Some of the plants you have selected for your garden will serve more than one purpose and will appeal to more than one sense, so be sure to sniff, feel, taste, listen to, and view each of them!

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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How to Clean Your Grill

Wednesday, March 13, 2024
by Tucker Robbins

 

Spring is here and that means that summer is right around the corner!  Summertime brings with it many things but one of the awesome things about summer is that it means many meal prep times will move from inside of the kitchen to outside on the grill!  Yum!  You will have to do your part to get your grill ready for all the outdoor cooking that is about to begin!  Below are a few ideas on how best to clean your grill for the upcoming season! 

 

  1.  The first place to start when beginning to clean your grill is to clean the grates.  These can get quite dirty during the outdoor cooking season.  If you were smart when the last season ended you cleaned them and wiped them down with cooking oil, however if you didn’t, there is still hope. One good and easy way to clean your dirty grill grates is to place them into your self-cleaning oven and let it do the work for you.  Another way to get your grill grates clean is to simply put them in the dishwasher.   
     

  1. Clean the burner tubes by simply brushing them and wiping them clean.   Be sure not to use any metal brushes as these have been deemed unsafe if the metal pieces come off and get into your food.   
     

  1. Clean the grease collection tray by scrubbing it with a clean damp cloth.   
     

  1. If you happen to have a charcoal grill, your cleaning process will be a bit simpler than with a gas grill.  Scrub the grill with a nylon brush and then clean the grates and that is it!  If you have old charcoal simply throw it out and buy some new for the season.  
     

These are just a few ideas on how to clean your grill to get it ready for the upcoming outdoor cooking season.  The best way to clean your grill is honestly just to clean as you go. If you do your part to clean up after yourself after each and every meal you will have a much easier time when it comes time to get the grill out again for the next season.  If you don’t do your part to clean as you go, at least now you have a few ideas on how to get rid of the grit and grime easily.    

 

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Invest Your Tax Refund In Your Home

Wednesday, February 21, 2024
by Tucker Robbins


If you are planning on doing some homework with your refund, here are a few suggestions on how best to spend that money! 

 

$1,000 or Less 

  • Add or improve your front walkway.  Whether you plan on putting your home on the market soon or not, a new walkway will improve the curb appeal.  

  • Replacing the front door is an expensive job, but you can create a whole new look for the front exterior of your home just by having a new front entranceway. 

  • Install new light fixtures, especially if you’re tired of the builders-grade fixtures. If you shop smart, you can get stylish new flush-mount lights for every room. 

  • Do a minor bathroom renovation:  replace the toilet, faucets, and lights, and give the tub/shower a makeover with a refinishing kit. 

  • Paint the kitchen cabinets, replace the hardware, and add a tile backsplash. You won’t believe what a difference those three minor renos will make! 

  • Upgrade one kitchen appliance.  
     

$1,000-$2,000 

  • Any repairs that you’ve put off because of cost should be done before any improvements to renovating is done. Protecting your investment is more important than new bathroom tile. 

  • If your front lawn is a black canvas, hire a landscape designer to create some improvements.  

  • Have your “popcorn” ceilings removed by a pro and add new crown molding.  

  • Tankless water heaters, whether you choose whole-house or single-point, are worth the investment as you’ll see a difference in your electric bills. 

  • If you’re handy, you can take on a DIY job and save money: paint your home’s exterior, install new flooring, add wainscoting, or install kitchen countertops. 

 

As much as you’d like to see something physical after spending your tax refund, paying any accumulated debt down or investing it will pay you back in the long run. Check out these ideas from Investopedia,  and take off some of that financial load you may be bearing! 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Stay Healthy This Winter

Wednesday, January 31, 2024
by Tucker Robbins


Winter is a great time to binge-watch our favorite streaming series, read books we haven’t had time to read, gather with friends for dinner and game night, but it’s also a great time for letting our health regimen go by the wayside.  This opens the door for illness, and no one has time for that.  Keep yourself feeling and doing your best with this guideline! 

You and Your Home 

  • - If you didn’t get exercise equipment or a gym membership over the holidays, it doesn’t give you an excuse not to exercise.  Walking is really an easy yet important way to burn off those holiday calories.  The cooler temps help you burn more because it takes more energy to stay warm, even while hitting the sidewalk.  A win-win exercise! 
     

  • - We may not be doing a lot of perspiring, but water is still essential to our good health.  Eight 8 ounce glasses a day will keep you hydrated, and your skin will thank you, too, as water helps battle the dry, itchy skin we get in Winter. 
     

  • - Keep surfaces in your home wiped down with all-purpose cleaner and warm water.  This is better than using disinfectants, as viruses and bacteria can become resistant to these ingredients, as noted with the FDA banning triclosan, a popular antibacterial additive in hand soaps. 
     

  • - If you do get sick--stay home and rest! The more you are out and about not only makes you feel worse and lengthens your recovery, the more you spread what you have! 

 

Your Mother Was Right! 

  • - Wash your hands! Using plain soap for forty-five seconds and a warm water rinse is all you need to fight germs.  
     

  • - Cover sneezes and coughs preferable with a disposable tissue, and if that isn’t available, cover your mouth and nose in the crook of your arm. 
     

  • - Avoid shaking hands, especially if someone is sick or has been around someone who is sick. 
     

  • - Take your vitamins! A daily multivitamin at mealtime is a great way to keep you healthy and getting the nutrients you need, especially vitamin D, which goes lacking somewhat in the colder months when we aren’t spending as much time in the sunshine. 
     

  • - Go to bed! Rest is so important to your overall health, and with the longer nighttime hours, it may be easier for you to get a full 7-8 hours a night.  Your immune system works better when you’re rested up. 
     

  • - Eat your vegetables--this is a no-brainer, anyway, but leafy greens, beans, and citrus are the best for the antioxidants you need to keep your immune system strong. 

 

Even in Winter, our fast-paced lives can keep us from being diligent about staying healthy when it’s more important than the warm months. The get-togethers in close quarters, die-hards that come to work with a cold, and viruses our kids bring home from school are all standards of germ-sharing this time of year.  Taking care of yourself and your family may take a little extra effort, but you’ll be healthier and happier in the long run. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Reasons to Consider Moving During the Winter

Wednesday, January 24, 2024
by Tucker Robbins

If you are considering selling your home and moving into another one, you may want to consider doing so during the winter time.  There are several reasons for this and those reasons are listed below for your consideration. 

  1.  If your plan is to hire a moving company to help you move then doing so in the winter can be a much cheaper time to do so.  Moving companies tend to be their busiest during the summer months, then slow down a bit in the fall and even more so during the winter months. The cheapest months to hire a moving company are typically January and February so now is the time to do so. 
  2. Another reason to consider moving during the winter time  is because storage units are typically a bit cheaper during the winter.   Many times storage facilities will become less full during the winter as folks have already moved their stuff out during the warmer months.  Also the storage companies are known for running specials during the winter to attract business. 
  3. If you choose to hire a moving company during the summertime you may find that you have a hard time hiring the one you really want because there are so many others trying to move during this time.  However, if you decide to move during the winter you are more likely to be able to hire the moving company of your choice due to less competition. 
  4. Yet another reason you might want to consider hiring a moving company during the winter  is due to the fact that the summer can get really hot and your items run a greater risk of getting destroyed by being hauled in a moving truck for a long period of time.  Things can melt, warp or just get plain hot and damp when the days get so terribly hot. 

These are just a few reasons why, if moving is in your future,  that you may want to go ahead and do it during the winter time instead of waiting until spring or summer.  

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Saving Money for Your New Home Down Payment

Wednesday, January 17, 2024
by Tucker Robbins

 

With the new year here, many people are thinking about resolutions.  If you’re seriously considering buying a new home, you’ll definitely need to be thinking about having your down payment ready when you find the perfect house.  Follow these ideas for saving as much as you possibly can. 

 

  • - First and foremost, know your house-purchasing budget, and estimate needing 20% of that budget. 

  • - Set up a hands-off down payment high-yield savings or money market account. 

  • - Start cutting out expenses, or find ways to make extra money.  Every little bit counts. 

  • - If you plan on getting an end-of-year bonus or income tax refund, set aside that money to begin your new nest’s egg. 

  • - Sign up with your employer to deposit a portion of your pay into a down payment savings account if you’re not great at putting money into savings.  Most of the time, if you don’t see it, you don’t miss it. 

  • - Receiving gifts from family members towards your down payment require documentation so your  lender, as well as the IRS, knows where the money is coming from, and that the money doesn’t require re-payment.  More information about down payment gifts are here from The Mortgage Reports website. 

  • - Start paying off your credit card debt by paying more than the minimum payment.  Lowering and/or eliminating your card balance also lowers your interest rates, so you can start taking what you’d normally pay on credit cards and depositing it towards your down payment fund. 

  • - If you have investments in stocks or bonds, plan on liquidating those assets when it’s time to purchase your house.  Make sure you document these sales. 

  • - A pay raise at work is great, but if you happen to get one, stay on your old budget, and have the extra pay direct deposited into your down payment account. 

  • - You can always borrow from your 401k or IRA, but make sure you’re not having to pay penalties.  Talk with your account holder before you make any withdrawals. 

 

A down payment, especially at twenty percent, can look daunting.  If it just looks impossible, do your research.  There are many first-time buyer programs available, as well as lower down payment options through the USDA, the VA and state-specific programs.  Zillow has a terrific guide on low down payment guidelines and opportunities. Planning ahead and keeping your eye on your goal will get you well on the way to home ownership. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.   

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Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)
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