Indianapolis Homes with Pool

Indianapolis Homes with Pool
Homes for Sale

Indianapolis Homes with Pool - Looking to find a luxury home in Indy? Upgrade your lifestyle with your very own swimming pool at your yard, especially now that the season is perfect for a cool dip. Find single family homes in Indianapolis with swimming pools.

Useful Nashville Real Estate Pool Links

Indianapolis Homes For Sale with Pools
Downtown Indy Condos For Sale
Carmel IN Homes For Sale with Pools
Noblesville IN Homes For Sale with Pools
Fishers IN Homes For Sale with Pools

Recommended Mortgage Expert

One of the most important decisions in home buying is finding the right lender. Because of the 2008 sub-prime mortgage crisis, the process, regulations, and requirements are have become stricter and more regulatory. To make this experience less challenging, we recommend the best lender in town.

If you have chosen your agent and lender well, they will keep you informed throughout the process and should always be willing and able to provide you with answers to all of your questions.

Tyler Cartmel
Loan Officer

Direct:317.578.3600 Ext: 304

Mobile:317.679.5978

Fax:800.524.9790

NMLS #:7540

Other Useful Links to Homebuyers:

Tyler Cartmel's Website

Affordable Homes For Sale Indianapolis

Walkable Condos For Sale Indianapolis

Making Large Purchases on a New Loan

Making Large Purchases on a New Loan

Making Large Purchases on a New Loan - Most home buyers are excited to buy furniture and other large purchases once they started the home-buying procedure. Although lenders would say each situation is different and will depend on the type of loan and the lender's policies, it is a common knowledge that anything that changes your debt-to-income ratio may risk your loan. 

Aside from making large purchases on a credit card, other debt-to-income game changers include opening new lines of credit, making large withdrawals from bank accounts, making large cash deposits or change your current job status.

Even with your closing date is right around the corner, it is highly advisable to wait on making large purchases like buying furniture until after you’ve closed the sale of your new home. Or if there really is a need to make large purchases, consult your lender or a mortgage professional first.

For more tips in home-buying, you may reach Lora Reynolds of Indy Homes Realty Group on 317-496-6291 or lora@indyhomesrealtygroup.com.

Useful Links For Indianapolis:

Affordable Homes For Sale Indianapolis
Walkable Condos For Sale Indianapolis
Affordable Homes for Sale Carmel IN
Affordable Homes for Sale Fishers IN

Fall to do List for Indy Home Owners

Fall to do List for Indy Home Owners

Fall to do List for Indy Home Owners - It is officially fall, also known as the home-buying season.  Before owners start thinking how to clean their gutters and other home maintenance tasks, here are some articles from the internet how to spend the Fall for Indianapolis home owners.

Useful Links For Indianapolis:

Fall Maintenance From Better Homes and Gardens

Fall Maintenance From Kiplinger

Fall To-Do List @ Pinterest

Indianapolis Fall Fun List

Useful Links For Indianapolis:

Affordable Homes For Sale Indianapolis
Walkable Condos For Sale Indianapolis
Affordable Homes for Sale Carmel IN
Affordable Homes for Sale Fishers IN

New Listing 11537 Hanbury Manor Blvd Noblesville

11537 Hanbury Manor Blvd

Noblesville, IN 46060
Home for Sale

Click on the photo to find more Noblesville luxury homes

Address: 11537 Hanbury Manor Blvd, Noblesville, IN 46060

11537 Hanbury Manor Blvd, Noblesville, IN 46060 New Listing - Located in a golf community in Noblesville, this luxury home is believed to have the largest lot in Sagamore. 

4 Large Bedrooms

4.1 Baths

5835 square feet

 $784,000
Located near Sagamore Golf Club with golf membership options.

Any questions?  Please contact Lora Reynolds of Indy Homes Realty Group 317-496-6291 or lora@indyhomesrealtygroup.com.

New Listing 3466 Capsella Ln Indianapolis

3466 Capsella Ln, Indianapolis, IN 46203
Home for Sale

Click on the photo to find more Indy homes under $150,000

Address: 3466 Capsella Ln, Indianapolis, IN 46203

3466 Capsella Ln, Indianapolis, IN 46203 New Listing - Located East of downtown Indy, this two-level home is with four large bedrooms and upgrades on the roof, water heater and many more!

4 Large Bedrooms

2.1 Baths

2340 square feet

 $149,999
All bedrooms have walk in closet, breakfast room and a covered porch.

Close to intersection of Instersates 74 and 465, Sloan Ditch and Marion County Fair.

Any questions?  Please contact Lora Reynolds of Indy Homes Realty Group 317-496-6291 or lora@indyhomesrealtygroup.com.

Indianapolis Condos

Indianapolis Condos
Indy Condos For Sale

Click on photo to see all active condo listings in Indianapolis

Indianapolis Condos for Sale -  Search condos and townhomes in Indianapolis, Indiana - Marion County.  It includes all active listings, photos and neighborhood profiles of high rise developments, townhouse communities, mid rise condominiums in Downtown and Midtown Indy. 

Useful Indy Real Estate Links:

Indianapolis Condos For Sale

Indianapolis Homes under $200,000

Marion County Condos For SaleHamilton County Condos For Sale

Staging the Bathroom

Staging the Bathroom

Staging the Bathroom - Although the kitchen is usually the most viewed room in a home showing where most buyers spend more of their time in, the bathroom is often overlooked in the staging process. Most buyers only take a few seconds to look at the bathroom. And in those few seconds, the bathroom can either make or break a deal. Here are some economical tips in transforming the Bathroom into a memorable room for a potential buyer.

Clean

The perfect start of staging a bathroom is a good and thorough cleaning. Use bleach or a good organic cleaning substitute to get rid of any mold and mildew. Light fixtures should be free of dust and grime. To get a spotless result, you may hire cleaning contractors who will clean it from floor to ceiling and are paid depending on the size of the room. But if you want  to be more economical, you can do it yourself just make sure it was thoroughly cleaned because a sparkling bathroom makes a lasting impression.

Update

Updating an outdated bathroom is a game changer. You have no idea how a fresh coat of paint, lighting fixtures or a new wallpaper can make a ton of difference. If the seller is with budget, we highly recommend replacing outdated tubs and sinks instead of just cleaning to give it a fresh new clean look.

Accessories and Lighting

Avoid having a boring bathroom by adding a few colorful accessories and flattering lighting that makes this room memorable and unique. Include new, white towels, accessorize with bright colored flowers or DIY cabinets. Natural sunlight will do the trick if you want economical staging. If there are no windows for natural light, soft white light bulbs can have a similar effect.

De-clutter

De-cluttering of bathroom space is just clearing off the sink tops and vanities, which will make the space appear larger with a cleaner look.  Hide all personal items and be sure that everything visible to the eye looks organized and necessary. The more space you show, the more ability of potential buyers to see their own vision in that space.

Consult

Lastly, only if you have the budget, consult a professional. Interior designers can give tips on the trend, suggest new materials and fixtures and how to maintain them. Or better yet, find a realtor who will provide free consultation.

For more information on home staging, you may call Lora Reynolds, Broker/Owner of Indy Homes Realty Group, LLC at 317-496-6291 or visit her website at www.lora.indyhomesforyou.com.

USEFUL LINKS FOR INDIANAPOLIS:

Affordable Homes For Sale Indianapolis
Walkable Condos For Sale Indianapolis
Affordable Homes for Sale Carmel IN
Affordable Homes for Sale Fishers IN

Affordable Walkable Indy Homes

Affordable Walkable Indy Homes
Indianapolis Homes For Sale

Click on photo to find more affordable and walkable homes in Indianapolis

Affordable Walkable Indy Homes For Sale - You can start your home shopping before the Spring home-buying season now. Either you're a first time home buyer or an investor, these single family homes under $200,000 near Downtown Indy are a good start. Enjoy your house-hunting!
For more information on home buying, you may call Lora Reynolds, Broker/Owner of Indy Homes Realty Group, LLC at 317-496-6291 or visit her website at www.lora.indyhomesforyou.com.

Useful Links For Indianapolis:

Affordable Homes For Sale Indianapolis
Walkable Condos For Sale Indianapolis
Affordable Homes for Sale Carmel IN
Affordable Homes for Sale Fishers IN

Homes Near Carmel Clay Schools

Homes Near Carmel Clay Schools
Hamilton County Homes For Sale

Homes Near Carmel Clay Schools for Sale - Find homes for sale by Carmel Clay Schools in Hamilton County, Indianapolis. Carmel Clay is considered as one of the state's best performing school districts with 11 elementary schools, three middle schools and one high school.

Useful Indianapolis Real Estate Links

Carmel IN Homes for Sale
  Carmel IN Condos for Sale

Indianapolis Homes For Sale under 200K

Finding Better Home Deals in Spring

Finding Better Home Deals in Spring

Finding Better Home Deals in Spring - Just days before the Fall season arrives, let us try to break down the common question Can I Find a Better Deal on a Home in the Fall? It is claimed that spring has left a lot of good deals from homeowners whose homes are still left on the market from summer. And because of better weather and not moving between the school calendar, spring is dubbed the 'home-buying season.' But is this true?

1. Don't expect. There had been reports that there is a nationwide low inventory for the past months, according to IndyStar.com. With this in mind, don't expect that the market will be flooded with homes listed at lower prices.

2. Don't delay. It is not ideal to delay your home search until fall just because of the 'home-buying season' especially when you found the right property at the right price. You have to act on it before somebody else has.

3. There's more competition. With everyone else joining the the spring home-buying bandwagon, bidding war is more likely to happen during spring. You may even have to compete for an agent or a lender's attention. So we go back to Number 2, don't delay your home deals!

4.  Most investors find it smart to buy a home during off season. If you’re buying a home for investment potential rather than to live in, the off-season is the best time to buy with foreclosures and REOs. Off-season sales sellers are said to be more motivated. These sellers are more likely to make a deal and open to contingencies and terms.

5. Every market is different. Keep in mind that not all market are the same, not all household consider the school calendar and have the same climate with colder fall/winter climates such as the Northeast and Midwest. In other words, it is a tricky market so you may or may not be able to find a lot of great deals.

6. Mortgages are still low.  It is best  time to take advantage of the current low mortgage rates, which makes more homes affordable to home buyers. And with the upcoming spring season, forecasters are expecting a blow-out.

With everything that's been said, the best time to buy or sell a home is up to you. For more information on home buying or home sales, you may call Lora Reynolds, Broker/Owner of Indy Homes Realty Group, LLC at 317-496-6291 or visit her website at www.lora.indyhomesforyou.com.

The Real Value of your Home

The Real Value of your Home - Every real estate agent is always asked, “What is my house really worth?” Most clients already have an idea about the value of their home. Before we get excited about it, we have to make sure that the accuracy of the source of this information. And many times, we may even have different values depending on the source. So we listed done three common home values from three sources, so we can determine what is the real value of your home.

Value from Zillow

Zillow (or Trulia or HomeValue.com) are websites that has access to the property's tax record description, like the original square footage, numbers of beds and baths. With this information, the websites will compare the said property to other sales in the neighborhood. Sometimes, these websites' tax records are not updated, not considering recent additions or upgrades made to the home. So, it is not a very reliable source especially if your property has undergone recent home improvements.

Tax Assessed Value

Just like Zillow, the Tax Assessed value is much like the Zillow value which determines home values from recent neighborhood sales and the property's original tax records. And just like Zillow, this value does not consider recent improvements or additions. Tax assessed valuation may happen in different intervals depending on which state and county. And there is an appeal process if you think your tax assessed value is wrong and you want to correct it.

The Appraised Value

The Appraised Value is probably the most accurate of all three sources. When getting a mortgage or a mortgage refinance, the lender will request a home appraisal and fill out how much the home value needs to be. In return, the appraiser will make sure the home value is within the price the lender filled out. The appraisers have a very precise method of getting home values, but still not completely accurate.

The Verdict

Knowing all these three sources, we can conclude that the true value of your home can not be completely established from an appraisal, a website, or a tax assessment. The real value of your home is the price a buyer is willing to pay at any given time for your home.

Real estate is a tricky market, it is best to contact a real estate professional with expertise in your area to find out what homes have recently sold, the current housing market trends, etc. Let statistics speak for themselves. A real estate agent can help you determine the most accurate price according to what has actually sold recently, not by some dream price you attempt to get. 

If you have any questions about home values, or would like assistance in determining the value of your home,  please call Lora Reynolds, Broker/Owner of Indy Homes Realty Group, LLC at 317-496-6291 or visit her website at www.lora.indyhomesforyou.com.

Mortgage Refinance 101

The Basics of Mortgage Refinance - It is a common misconception for homebuyers to believe they don't qualify for or think that mortgage refinancing is a complicated process.  Here are basic information a homebuyer should know about Mortgage Refinance:

What is a refinance?

A mortgage refinance is when a borrower asks for a new mortgage with a new interest rate and new term to either pay off and replace their existing mortgage. It is commonly mistaken as a modification of a loan when in fact, it is a brand new loan.

 What are the benefits of refinancing?

A refinance is done to get a lower monthly payment, to make a change in the length or terms, or to get cash out at closing. For example, borrowers with existing mortgage with a higher rate when the interest rates are currently low, they tend to get a refinance so they can pay lower monthly mortgage fees. Or some want to refinance from a 30-year fixed-rate mortgage into a 15-year fixed-rate mortgage.

Are there qualifications I have to meet?

Just like any applications, yes. But contrary to the belief that it is a more complex procedure, the qualification is similar to your existing mortgage. The lender will look into your credit score, payment history, debt-to-income ratio, employment and income, assets, and cash available. Others may even have less stricter qualifications depending on the type of loan.

What will I need to do?

Chances are it is a very straightforward procedure if you use the same lender you have your existing mortgage with. The experts will find the right mortgage for you, ask for financial proofs and paperwork, review your qualification and then go to closing. Because of technology, some lenders may not even ask you to visit their physical office.

For more tips on buying a home and finding the right lender, please call Lora Reynolds, Broker/Owner of Indy Homes Realty Group, LLC at 317-496-6291 or visit her website at www.lora.indyhomesforyou.com and start your house hunting. Good Luck!

Rules in Buying a Home

Rules in Buying a Home - As we approach the home-buying season,  here are some tips to home buyers to make the experience easier and less stressful: 

1. Improve your credit score. 

 Credit scores define the type of mortgage (that would lead to the kind of home) you’ll be able to purchase. If you haven’t started working on your score, that's the first thing you should do if you are planning to buy a home.

2. Stay at your financial situation.

Lenders look for steady income, a good debt-to-income ratio and an overall solid financial base. So this is not a good time change jobs, make large purchases or transfer money between accounts if you are planning to buy a home.

3. Consult professionals.

Mortgage professionals and real estate agents will provide good advice, even if you are just on the planning stage. Trying to buy a home without the help of professionals to save money may cost you quite a bit more in the long run.

4. Save money.

Now that the Holiday season is over and a new year has started, focus your resolution in buying a new home - for the expenses, down payment, etc. In this line, try to avoid opening new lines of credit like credit card, store charge card. It won't help in saving and building your credit score. 

5. Start your home research. 

Start deciding what type of home you want, amenities you need, neighborhood you want to live in.  You may want to consider schools, services, shopping and transportation. You can start looking at homes for sale when you already know how much you can afford to avoid looking at homes out of your price range.

For more tips on buying a home, please call Lora Reynolds at 317-496-6291 or visit www.lora.indyhomesforyou.com.