Whitescarver & Associates
April 2019

Spring Cleaning with an Eye Toward ROI
Spring cleaning. It’s an activity some people love, and the rest of us merely endure. But no matter which category you fall into, being purposeful about your actions can help you make smart decisions, especially if you’re looking to sell your home soon.
      Spring cleaning is the perfect opportunity for home owners to de-clutter and organize their home, It is an especially important task for home owners who currently have their home listed or plan to list in the near future. Taking the time to spruce up the home can help increase value and make a good impression on potential buyers.
         Clean out your closets - 
Mortgage Rates
U.S. averages as of April 2019:

30 yr. fixed: 4.28%
15 yr. fixed: 3.71%
5/1 yr. adj: 3.84%

View current rates

What’s one thing everyone always wants more of: closet space! Buyers will open every door and look through every closet to assess whether or not their stuff will comfortably fit inside. Pack
Wondering What Your Home Is Worth?

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5 Overlooked Factors That Can Affect Your Home’s Insurance Rates
     Insurance rates—how are they even calculated? It can be complicated, but it all comes down to an algorithm that takes many variables into account. If keeping your rates as low possible is your number one concern, you need to know about these five factors that can affect your bottom line.
      1. The age and condition of your house. This is one of the most obvious factors and also one of the biggest. The age of your house and the wiring, pipes, roof, lumber, square footage, and even how many corners it has all play a role in the price of your insurance.
      It comes down to the risk associated with the house and the costs that come with repair or replacement. For example, if your home was built in 1920, it may

How to Keep For-Sale Properties Safe
     Congratulations, you’ve put your property on the market! That’s a huge step toward the next phase of your life, whether that’s buying a new house or just selling off a rental property.
      But for potential intruders, that for-sale sign means something else entirely. Burglars sometimes target for-sale properties because they know those properties might be empty or relatively unattended.
      How do you keep your property safe while it’s on the market? A few smart home security measures can help.
      1. Smart lights and floodlights Lights are your first defense against intruders. Burglars look for easy marks—properties where nobody’s around and it doesn’t look like anyone’s home. That’s why for-sale properties are targets attractive in the first place.
      A few well-placed smart lights will

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Featured Listing:

5712 E. 104th Street
Tulsa, OK 74137

Down Payment Dilemma: How Do You Know How Much To Put Down On A Home?
     You'd be a homeowner right now if it weren't for one thing: the down payment. Right? Even for those who have decent credit and make good money, the down payment is often the great homeownership killer.
      For many others, who do have enough money set aside to make a substantial down payment, the question is: how much? Conventional wisdom—not to mention most of the banks and a good portion of homebuying and financial experts—will tell you that 20 percent is the standard bearer when it comes to down payments. But is it really necessary to put 20 percent down?
      The short answer is: no.
      Now for the long answer.
      "Raising a 20 percent down payment isn't an easy thing to do. Fortunately, you don't have to. "It's a myth that all homebuyers must have a 20 percent down payment to buy a home," says Nancy Herrera-Siples, a Riverside, Calif., branch manager at Primary Residential Mortgage on U.S. News. "So why do you constantly hear that you need to put 20 percent down? Because if you don't, it usually means you'll have to shell out money for

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Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
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Is Homeownership the Greatest Way to Secure Your Financial Future?
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Buying A House With Friends: Is It A Good Idea?

Whitescarver & Associates
Bill's Cell : 918-691-7653

Keller Williams Realty Preferred
Office : 918-496-2252
4745 E. 91st Street Ste 100
Tulsa OK 74137

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