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How to Leverage the Market

Leveraging the market to your advantage is a primary skill that takes practice to master. To understand what you should be keeping an eye on there are a few bits of information that you should be aware of. To begin understanding how to use data for your estate you should first have an idea of what kind of information you should keep an eye out for.

Elements such as, keeping up with the housing market’s fluctuation, job growth, interests’ rates, and housing prices are all fundamental information regardless of your goals. The bottom line is, that if you are looking to leverage the market, there is a vital piece of information you should be keeping up with. In the passage below, we will go over in more depth which topics and trends you should be up to date on so that you make the best real estate decisions that are best for you.

The “Surban” Trend

A new trend that has recently popped its head up is the “Surban” real estate trend. Surban is a nickname for areas that can be considered a mix of urban and suburban. Surban’s have received so much attention in the market because they have been drawing in such much success over the past couple of years. Areas like Downtown Naperville, Illinois; Old Town Pasadena, California; Legacy Town Center in Plano, Texas; Satana Row in San Jose; and Downtown Tempe, Arizona have all incredible success in their surban developments. A whopping 80% of people are predicted to be drawn by surban developments within the next ten years, so investing the time on keeping up to date on surban areas close to you can be well worth your while.

A New Generation for Buyers

This new generation provides new opportunities. Millennials have quickly become a dominating factor in the real estate market, and as time moves forward, their influence only continues to grow. Having been born between 1983 and 2001 millennials are currently the fastest growing workforce and judging by the numbers this is unlikely to change anytime soon. Now, an overwhelming mass of buyers is millennials. If you are asking yourself how this information helps you, the answer is simple. If you are a buyer, you are more likely to maintain leverage in the market. It is advantageous for you to have demographical information in any market. The real estate market is no different.

Mortgage Rates

Predictions of the market have been positive, and there seem to be no chance of the markets crashing through 2020. The interest rates are predicted to remain low with only a slight slowly growing increase during the next 30 years. Knowing the trends of the ever-changing interest rates can be very advantageous when leveraging the real estate market. It should be stated however that these two factors cause the future upcoming increases in mortgage rates. One, a growing economy fuels growth in mortgage rates and inflationary pressure causes the FED to increase prices.

Stress is one of the largest concerns when selling a home. Staging, managing finances and documents, and simultaneously juggling the rest of your life can be completely draining. However, one thing is certain about selling your home: it’s a lot easier when you have a solid real estate agent to handle it. Remember, No-One Works Harder to Sell your Home more than Joe! Contact Joe today by calling 813-701-2030 or visit https://josephlewkowicz.com/

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Staging A House to Sell

Successful staging is key to making your property approachable to consumers who are looking to buy. To give your home, more appeal, there are actions to consider. Some of these actions you probably won’t be surprised to hear, while other selling strategies may require more thinking and effort on your part. For instance, it’s probably not unheard of to ensure your home is neat and tidy, but did you know that making your home appear somewhat lived in is one of the most viable strategies?

Make Your Home Looked Lived In 

When you are working on the staging process, stage your home with furniture, and don’t clear anything out. The reason this action is essential is that you always should be looking for ways to help buyers visualize what their future will look like after they purchase your home. If your home appears lived in (to a certain extent) than it will be easier for buyers to envision their future in that home and, have more appeal as a direct result.

Have Some Curb Appeal

Making sure your home’s interior is presentable might seem like common sense for most of the sellers out there but cleaning the exterior of the house is also a critical task that many overlook. If you think about it, the exterior of the house leaves a first impression. If the exterior of your home is poorly maintained, you might find it harder to close a sale in a reasonable amount of time. The amount of effort you put into your curb appeal is notable from the moment the buyers place their eyes on it; so, cleaning and maintaining the outside of your house should be one of your most significant priorities.

Make Your Home Look Family Friendly

Nothing says, “Welcome Home,” like a warm and inviting welcoming mat at your front door. Just because you are looking to sell your house doesn’t mean it’s not worth investing in its appearance. It is the little touch, like continuing to keep your porch lights on in the evening or placing potted plants next to the porch that will genuinely make a difference on how quickly your home sells.

Don’t Skimp on The Little Things

Your house deserves to be treated correctly, even as you feel the oncoming approach of your closing rapidly approaching. Don’t skimp on the small details. Clean your floors to an excellent smooth polish and get rid of all the clutter. It’s also worthwhile that your home’s style appeals to everyone. It may seem like a waste of time to put effort into thinking something as subjective as decoration when you are selling, but it can be useful depending on if you choose a style that is intended for buyers. Choose a style that has the potential to appeal to as many people as possible; this way the odds of you selling your home for the price you want are more stacked in your favor.

Stress is one of the largest concerns when selling a home. Staging, managing finances and documents, and simultaneously juggling the rest of your life can be completely draining. However, one thing is certain about selling your home: it’s a lot easier when you have a solid real estate agent to handle it. Remember, No-One Works Harder to Sell your Home more than Joe! Contact Joe today by calling 813-701-2030 or visit https://josephlewkowicz.com/

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Finding the Right Price

One of the most significant challenges people face when selling a property comes from finding the most optimal price that will be the greatest chance of success. The added unpredictability of the real estate market can often make numbers fuzzier than they need to be. Taking the selling process one step at a time can be useful to assist you in simplifying the selling process.  Depending on how quickly you’re looking to sell; prices can change as well. The first step you should consider taking is to ask your real estate agent for a CMA. CMAs are used to provide comps for sellers looking into finding a reasonable price to place on their properties. Yes, doing research online can also help you get a rough idea on how much a property like yours will go for, but it’s also important to keep in mind the information online is not always entirely up to date.

Get your Home Appraised

It may be worth your time, to consider hiring an appraiser. Appraisers can help give you an idea of how much properties of similar values are going for currently. If you are looking to compare and contrast, there are a few general rules to keep in mind. For one, you should ensure that comparable properties should be from ¼ to ½ of a mile from your home. Another similar trait is the age of the home your comparing yours too. Is your home roughly around the same age as the one you are comparing it to? If not, then it’s probably not a good idea to use that home’s history as a research tool.

Learn from Expired Listings

Studying expired listings is one of the most useful and overlooked tactics to help determine a price point. After you find comparable properties that didn’t sell, finding the right price is as simple as finding out the reason they didn’t sell. Often people fail to sell simply because they aren’t always realistic about their price when they put their homes up for sale. If you are unsure of the mistakes previous sellers have made, don’t be afraid to ask your real estate agent for advice.

Think Like a Buyer

If you want to sell quickly at a good price, it is important that your frame of mind is the same as the people you are trying to sell to. Put yourself in the buyer’s shoes and consider what they might be looking for in their search for a house. This kind of thinking also ties into your price point. Before you finalize your price, you should be asking yourself whether your price is realistic for the property you are offering. An outside opinion for this portion of the selling process is highly recommended. Real estate agents can help you with stage by giving an accurate estimate based on your location and the selling history of the area. Estimating by yourself comes with the risk of posting unnecessarily high prices, no matter how much online research you may have done. It is very common for sellers to overestimate how much their homes may be worth. This is because part of being a seller comes with its own internal bias that can affect your decision making. To combat this, seek outside from opinions from real agents.

Stress is one of the largest concerns when selling a home. Staging, managing finances and documents, and simultaneously juggling the rest of your life can be completely draining. However, one thing is certain about selling your home: it’s a lot easier when you have a solid real estate agent to handle it. Remember, No-One Works Harder to Sell your Home more than Joe! Contact Joe today by calling 813-701-2030 or visit https://josephlewkowicz.com/

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Perks of The Condominium Life

Owning any property comes with its own set of pros and cons. If you find that owning a house isn’t for you, consider simplifying things and work towards purchasing a condominium. Condominiums offer a higher standard of apartment-style living and come with many perks not fond of owning a home. If you are looking for an easy-going lifestyle where much of the manual labor is taken care of for you, then selling your home and purchasing a condominium may be the best option for you. Below you will find some useful information on why you should sell your home and move to a condominium today!

No Yard Work Required

One of the most obvious appeals to purchasing a condominium is that you won’t find yourself doing any manual labor like mowing the lawn, or any yard work for that matter. If the lack of maintaining the yard sounds interesting to you, there are a few things to research. For one, make sure you investigate the association that does the outdoor maintenance for your area. You should ensure that the communities’ associations are well run; after all, part of your monthly payments will be going towards outdoor maintenance. It is vital that you see the impact in the community and it will be immediately clear on whether the condominium complex is maintained.

It’s Less Expensive

Good news. It’s very typical that purchasing a condominium is cheaper than buying a house. It’s also true that they appreciate faster due to historical statistics; a nice bonus if you decide to move in the future. Be sure not to forget to factor associations fees and compare prices. Prices often vary on the association’s fees as well as the size of the property. Condos are not always necessarily a downsize; as they come in various styles and sizes.

It’s More Community Oriented

Because of the proximity, there is a greater sense of community. The condominium community is so high that sometimes you may even find that associations host events for different holidays and seasons. The majority of condo developments have a clubhouse where they host gatherings and provide some games and various extracurricular activities.

There are many reasons to move into a condominium, and like everything, it possesses different ups and downs that may depend on the type of buyer you are. There is also your family members to consider before hastily making a decision, so the most important thing is to take your time and do your homework. Get a real estate agent to help lessen the frustration of selling your home. Purchasing your dream property does not have to be complicated. The key is to take one step at a time and to make educated decisions.

Stress is one of the largest concerns when selling a home. Staging, managing finances and documents, and simultaneously juggling the rest of your life can be completely draining. However, one thing is certain about selling your home: it’s a lot easier when you have a solid real estate agent to handle it. Remember, No-One Works Harder to Sell your Home more than Joe! Contact Joe today by calling 813-701-2030 or visit https://josephlewkowicz.com/

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Joseph Lewkowicz August Market Recap Report

It’s August, and that means time to put your properties on the market because time is closing in faster than you might think. Fortunately, it’s not too late to sell. If you are looking to get professional advice on how to sell quickly and hassle-free, don’t hesitate and call Joe Lewkowicz today! Joe’s latest livestream has more than a few bits of advice on how you can get your property sold fast. He gives guidance on how to take full advantage of August’s strong housing market and how to price correctly, so you have a better chance of success and get the most out of the home selling experience.

In his latest livestream, Joe speaks on why you may be struggling to sell your home, what areas in the Northwest part of Tampa are popular, and how square footage is not necessarily a good indicator of a home’s value.

August’s housing market remains a strong time to sell despite a slow change in pricing, as this last hot selling month draws to an end. The change is not nearly significant enough to expect too much of difference compared to the previous month’s market. First-time buyers will be the most impacted due to decreasing inventory mostly because of payments not being affordable. Joe also emphasizes that since the most opportune selling time is coming to an end, it is best to stay away from being experimental with your pricing. If you are finding that determining a price is a struggle then instead of listening to your neighbor’s advice instead, contact your local real estate professional to hear the most up to date pricing information.

This month’s livestream has brought us some insightful information about the current housing market’s situation. For one, Joe expresses that even in the middle of August, it’s still possible to take full advantage of the month and sell before time runs out. The secret is to make sure your home has a price tag that makes sense. In another question, a viewer asks why his house hasn’t been sold despite being shown to countless potential buyers. In Joe’s response, he says that his experience has taught him that more often than not, houses that are slower to sell are the ones that have an inaccurate price tag. Joe also states that square footage is by far, not the only factor to consider when determining a price for your home.

Also in the livestream, one viewer asks about four-point inspections, which is a type of inspection that is unique to homes that are over twenty years old. It turns out that this inspection helps determine if a home over twenty years is eligible for an examination. The process of this inspection checks all of your homes most essential utilities. The air conditioning, plumbing, roof, and electrical systems all must be green-lighted before qualifying for an insurance plan.

To conclude his livestream, the last question asks him, where are the hottest areas in the Northwest Tampa market to live? These areas are popular for a few reasons, because of the restaurants, parks, and even schools. For example, houses in the Westchase community are prevalent, because of the convenience stores and shopping plazas located close by. Some are even in walking distance from the homes. One other hot spot is Carolwood Village, located right by the Old Carrollwood area. Its popularity stems from commodities such as, parks, lakes, golf courses, and other great locations that strengthen Carolwood’s appeal.

To catch all the questions in the Livestream call, click to watch on Joe’s TV Channel: https://www.youtube.com/channel/UCwVCxXv6wT0S-LDFORWTwNw

A realtor with extensive knowledge is essential to navigating the real estate market, especially in the Tampa Bay area. Joseph Lewkowicz’ 40 years of experience offers the best help for all buyers and sellers with questions on the housing market.

For more information on the current real estate season, check out Joe’s monthly livestreams at https://josephlewkowicz.com/livestream

To watch the full August Market Recap report, visit Joe’s TV Channel: https://www.youtube.com/channel/UCwVCxXv6wT0S-LDFORWTwNw

Video Link: https://youtu.be/WI1enRsfijY

Website: https://josephlewkowicz.com/livestream

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Reasons You Should Move

Selling your home is a significant step in moving forward for many Americans. You may be looking for a reason, or some sign before you find it’s okay for you to permit yourself to make such a big decision. Remember, that if you are considering moving; there must be some reason you want to move in the first place. In this excerpt, we will go over a few handy tips to help you identify reasons you should be moving.

If You Have A Growing Family

One reason a lot of Americans move these days is to acquire more space for their growing families. There are many reasons you might need more room. Kids, pets, and relatives all have a way of growing in a shorter amount of time than you may have originally intended. First-time buyers often don’t consider the potential of growth within their first few years. If you find yourself in a similar situation, it may be time to move.

If It’s Time For An Upgrade

Often owners find regretting some of the decisions they made concerning the investments they put into their original homes, so they set out on purchasing a new home to meet their needs. If you are looking for an upgrade, don’t starve yourself because you put it in your, “want category.” Everyone deserves to live in a home they are happy with, so don’t automatically dismiss your “wants” because you feel as though you are selfish.

Bigger and better is something that people strive for in all extents of life. Homes are no exception in the matter. If you find that you look at your house and you are merely craving more, it’s probably time for an upgrade. Part of the progression wheel that comes from living in this world is financial growth, so if you are financially responsible and you have the means to upgrade, then don’t be afraid to go for it!

If You Are Financially Stable

Speaking of progression, if you just received a new job or you’re on the verge of a promotion, you may want to consider the kinds of doors that will potentially open up for you. One problem that a lot of Americans face today is not recognizing their full potential. If you find that you are moving on up; don’t be surprised to see that there is no better time to move.

If You Are Starting A Life Together

Another reason you might want to move comes from the influences of your relationships. For instance, newlyweds looking to move in together have the challenge of figuring out what they are going to do. They suddenly find themselves in a predicament where one of them must sell their house to make the change.

Breakups on the other hand, unfortunately, result in one of the residents having to move out suddenly, or maybe your kids have just moved out leaving a home that’s way too large for you to maintain. Regardless of what stage of life you find yourself on there is no doubt that family relationships can have quite an impact on why or why not you decide to move. If you are having a tough time making a decision, think about what makes sense for you and your family.

Stress is one of the largest concerns when selling a home. Staging, managing finances and documents, and simultaneously juggling the rest of your life can be completely draining. However, one thing is certain about selling your home: it’s a lot easier when you have a solid real estate agent to handle it. Remember, No-One Works Harder to Sell your Home more than Joe! Contact Joe today by calling 813-701-2030 or visit https://josephlewkowicz.com/

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How to Take the Pain out of Relocating

Sometimes to advance your career relocating may a be a pivotal step in the process, especially if you been in the same area for a while. Knowing if moving to a new location is the right move for you (no pun intended) can be difficult if you are not ready to make such a big decision. Here are a few ways on how you can determine if it’s the right time for you.

What to Think About

The process is different for everyone. For example, moving to a new area for a job might be the best option for you, but in some cases, it may not be the best decision for your significant other or your children. Another issue that may prop up when planning, is time. More specifically the time you put into building a healthy relationship with your employer. Packing up and leaving has the possible impact of closing some doors, so think long and hard before deciding to move, because this decision is one that will affect a substantial portion of your life, and possibly your families live’s as well. Deciding on selling your home and moving on is an extremely personal choice that is different for everyone. Don’t be afraid to take your time and consider every pro and con.

The Benefit of Doing Your Research

If you are ready to start a new chapter in your life and relocate; congratulations on being bold enough not to be afraid of change. Before selling your property there a few things to consider. Be sure to research topics such as, what will the new cost of living be? How long will the new commute to work be? It’s tiny details like this that tend to be overlooked. Be as well informed on as many details of the new area as you can. Take a trip to familiarize yourself with the area before sealing the deal. A whole new area can be intimidating for the unacquainted, so train yourself to get used to the idea of being in a new area.

Stipends for Relocating

In some cases, you may have the opportunity to have many of your moving expenses paid through work stipends. By moving to a new area, you are showing that you are committed to your new employer. Keep this in mind when negotiating for a stipend. Some employers may not offer stipends for smaller roles, but not to worry. It never hurts to ask, so research how much it costs to relocate and keep that information handy if the opportunity to negotiate arises.

Again, if you feel as though you could advance your career, or even be generally happier somewhere else,  consider these tips on selling your home and making it happen.

Stress is one of the largest concerns when selling a home. Staging, managing finances and documents, and simultaneously juggling the rest of your life can be completely draining. However, one thing is certain about selling your home: it’s a lot easier when you have a solid real estate agent to handle it. Remember, No-One Works Harder to Sell your Home more than Joe! Contact Joe today by calling 813-701-2030 or visit https://josephlewkowicz.com/

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Joseph Lewkowicz July Market Recap Report

In July’s livestream call, Joseph Lewkowicz gives a brief overview of this month’s market report. He states, this month is the best time to sell and will continue to be a good time up until school starts. Then, in February the market will begin to slow down. One slight difference in this year’s market as compared to last year for July, is the subtle rising of interest rates. It seems as though, while buyers are still looking to buy —even with the rising rates— this still has been somewhat of a deterrence for some looking to purchase a home.

Sellers are finding that they need to be more realistic as far as pricing is concerned. As a result, buyers are becoming more indecisive because of the rising interest rates and have made the overall market time slightly longer than usual. In some cases, properties have around a 20% increase in overall payments, making these homes much harder to sell. Joseph pulls an article from the Tampa Bay Times, referencing that there have been construction issues that may have been a part of the decreased sales when compared to last year’s July sales. Regardless of the increase in rates, Joe remains adamant that July is still the best month of the year to sell.

With that being said, regardless of the month’s sales being slightly lower compared to last year’s sales, July is still the hottest time. The beginning of August will also be an excellent time to put properties on the market; although, according to predictions if you want to move you should be aiming to do so as quickly as possible. In one example, Joe explains how one of his clients decided to speed his selling process along to sell by the end of July when it was explained to him that his house would be worth $40,000 less if he decided to wait any longer. The lesson to learn: acting quickly is more than likely the best option for those looking to put their house up for sale.

A series of questions concluded the last section of the livestream call, mostly asked by first-time homebuyers. Joe states that the first step in buying a home for new families is to become pre-approved for a mortgage and to be aware of how much you can afford. Researching information that is important to your situation is also a good idea to keep in mind. For example, if you’re looking into starting a family soon, then it may behoove you to research the schools in the area. As far as buying homes before selling is concerned, it is essential to be clear on your objective and be sure to understand what is affordable for you. The last thing you want is to be stuck paying two mortgages for an extended period, so if you are still unsure about anything, contact Joe Lewkowicz to get more specific information.

To catch all the questions in the Livestream call, click to watch on Joe’s TV Channel: https://www.youtube.com/channel/UCwVCxXv6wT0S-LDFORWTwNw

A realtor with extensive knowledge is essential to navigating the real estate market, especially in the Tampa Bay area. Joseph Lewkowicz’ 40 years of experience offers the best help for all buyers and sellers with questions on the housing market.

For more information on the current real estate season, check out Joe’s monthly livestreams at https://josephlewkowicz.com/livestream

To watch the full July Market Recap report, visit Joe’s TV Channel: https://www.youtube.com/channel/UCwVCxXv6wT0S-LDFORWTwNw

Video Link: https://youtu.be/dfLjq_CBU-o
Website: https://josephlewkowicz.com/livestream

 

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Location and Why it Matters

It is often common for houses that are sold online to have price tags that are off by tens of thousands of dollars. This is not because of seller dishonesty; instead, it is that sellers often forget to factor in the role location plays in their property values. The condition of the home and the quality of the surrounding neighborhood are just some of a few elements to consider before you put your home on the market. Below is a list with pieces of information to help you understand how your surrounding area can contribute to the value of your home.

Schools

Your school district can have a significant impact on your home’s value, especially if you are a first-time seller. There’re a lot of buyers looking for a starter home. Having a good school in your area can peak the interest of those looking to start a family in the future, so keep that in mind so you have realistic expectations of what your house may be worth.

Parks

Another location that is great for younger families is public parks. Having a park within walking distance of your home can bump up its value. These days having an area where families have the room the walk around is not a locational feat to be taken lightly.

Stores

Some buyers may be looking for seclusion, but we can safely say that most families go to stores to get food and other amenities. If you are located near an area that is more commercialized chances are your home will be worth slightly more as a result. Living in an area that has malls, retail stores, and grocery stores readily available is a huge benefit to buyers and is an idea worth thinking about when contemplating how much your home is worth.

Freeway

Living close to the freeway is a double-edged sword. Being close to a freeway, while being far enough for its noise not to affect the homeowners is exceptionally convenient. At the same time being too close to a freeway, where the sound is loud and never gives a homeowner a lick of silence is very disheartening. Consider where your home is located approximately to the freeway to help you determine if it will affect your pricing.

Foreclosures

It can be harder to sell a house in a neighborhood full of foreclosing houses. The first impression buyers get almost is always negative when they see several empty houses on the street. Keep in mind that if you live in a neighborhood like this, it may take a bit more time and persuasion to sell the house.

The number of factors and information can be overwhelming when it comes to selling a house in a less favorable location. The first and most important step to take is to contact your local real estate agent. These real estate professionals can give you the most up to date information as well as walk you through the process of selling your home. While it is important to be familiar with how the process works you should always have a knowledgeable professional to help you every step of the way while you are on your way to successfully sell your property.

Stress is one of the largest concerns when selling a home. Staging, managing finances and documents, and simultaneously juggling the rest of your life can be completely draining. However, one thing is certain about selling your home: it’s a lot easier when you have a solid real estate agent to handle it. Remember, No-One Works Harder to Sell your Home more than Joe! Contact Joe today by calling 813-701-2030 or visit https://josephlewkowicz.com/

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You have too Much Space and Need to Downsize

Once the kids move away from the nest, it will be time for a new chapter in both your lives. If you are giving yourself time to cling to the memories attached to your family home, it may be time to wake up. Rather than holding on to the past, remember that this is not only a new and great opportunity for your kids, but it is also a new chapter in your life as well. Below you will find why selling your home after the nest empties is the best decision for you.

Be Prepared to Sell Now

Plan on moving ahead of time. More specifically, plan, so you won’t regret being unprepared when the time comes to move on. Maybe it is uncomfortable to think about, and in some cases, it may even be painful to consider the kids leaving your family home. The time for your children to move on is unavoidable, so your best bet is to be prepared before they go. Even though the pressure of a child going to college is extraordinarily difficult, holding onto sadness can devastate great opportunities that can come with selling your property, especially when the whole process can often become a waiting game. The smartest decision comes with planning years ahead of time, so that way you know what you can expect.

Knowing your Finances

When children move on to bigger and better things, the parent’s finances will grow larger. Having a home large enough to sustain a family is not the best option for a single family though. For one, there is the maintenance to consider. In a large home there is more upkeep, and with more upkeep comes more cash spent. Don’t waste away in a large house. With more monthly income you should be thinking about ways to save instead of ways to spend. Don’t let emotional attachment keep you from taking the next step!

Want to Help your Child Grow? Move Away

The pros outweigh the cons in more ways than one. With college tuition and debt on the rise, one of the best ways to ensure your child is more financially sound is to sell your home. You can budget accordingly and use the newly earned income to help establish your child’s future. Embracing a new change and giving your children space, they need to grow into independent adults is the name of the game, so be sure to give them the room they need to develop. If moving away helps your children grow into more successful adults, it may not be the worst option to consider.

Downsizing and Why it Works

Downsizing works in different ways for different people. Yes, being practical is important, but establishing what is important to you is what matters. How important is the size of the home to you? As a future empty nester, what kinds of space are you looking for? What kind of amenities is important to you? These are all questions you should be asking yourself before jumping into to selling your home. Downsizing is a brilliant way to save money and plan for the next stage in your life, so jump on the opportunity as soon as you can.

Stress is one of the largest concerns when selling a home. Staging, managing finances and documents, and simultaneously juggling the rest of your life can be completely draining. However, one thing is certain about selling your home: it’s a lot easier when you have a solid real estate agent to handle it. Remember, No-One Works Harder to Sell your Home more than Joe! Contact Joe today by calling 813-701-2030 or visit https://josephlewkowicz.com/