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Think about the last time you had to pay for a big expense. If there was a reasonable way you could’ve paid less, you would’ve done it, right?

Some people think about real estate agent commissions the same way. A Redfin survey showed that 60% of people who sold a home saved money on agent fees.

You can negotiate realtor fees, and a successful negotiation can be a great way to save money when you sell your home. It doesn’t always work out, but it might be worth a try. Here’s what you

Think about the last time you had to pay for a big expense. If there was a reasonable way you could’ve paid less, you would’ve done it, right?

Some people think about real estate agent commissions the same way. A Redfin survey showed that 60% of people who sold a home saved money on agent fees.

You can negotiate realtor fees, and a successful negotiation can be a great way to save money when you sell your home. It doesn’t always work out, but it might be worth a try. Here’s what you need to know:

1. Find out what you’re working with before negotiating

Most home sales involve two different real estate agents: the buyer’s agent and the seller’s agent. Their combined commission is usually between 4-6% of the home’s sale price. If someone sells their home for $350,000 with a 6% commission rate, they’ll pay $21,000 in combined realtor fees. An even split would mean $10,500 for their realtor and $10,500 for the buyer’s realtor.

The seller usually pays both commissions, but that doesn’t mean they can’t find ways to pass the cost onto the buyer. Increasing the home’s listing price is a common way to do this.

Most negotiations will happen between the seller and the listing agent representing them. The buyer and their agent usually aren’t involved.

Think of negotiating realtor fees as more of an art than a science. Each situation is a little different, and some of it will come down to your best judgment. But you can still set yourself up for success.

If you haven’t already, do some research into the real estate commission fees where you live. Ask family, friends, or other acquaintances in the area how much they paid when they sold their home.

The thought of rejection might be intimidating at first. But a good realtor won’t be annoyed by your offer, even if they don’t accept it. They get these questions all the time, so you’re in good company.

2. Understand what will help you negotiate agent fees

Like a lawyer in a courtroom, you’ll want to prepare yourself with the facts. Know which factors help your case and you’ll have a better shot at negotiating a lower commission.

Here’s what can work in your favor:

You’re selling and buying with the same agent

Real estate agents are more willing to negotiate when they expect two commissions instead of one. This can also give them a higher chance of earning referrals and repeat business.

The same idea applies to people selling more than one home with the same agent. The more you work with a realtor, the more negotiable their fees could be.

You’ve worked with this agent before

The repeat-business discount is real. Some agents will be more open to lowering their rate if you’ve bought or sold a home with them in the past. This is their way of thanking you for your past business and nudging you for your future business.

The real estate market is right

Is it a buyer’s market or a seller’s market? During a buyer’s market, there are more homes for sale than buyers. It’s the other way around during a seller’s market, when buyers outnumber the homes currently listed on a multiple listing service (MLS).

You might have a better shot at negotiating a lower listing agent commission during a seller’s market. Here’s why:

The selling agent could use any or all of these reasons to see their rates as more negotiable. Researching national trends is a good starting point, but it helps to prepare yourself with real estate data from your specific housing market too.

Your home can list for a high price

Know how much your home is worth before you decide how to ask for a lower commission. Higher-priced homes equal higher commissions that could be seen as more negotiable.

Average single-family houses for sale in Sacramento, CA might sell for several hundred thousand dollars more than similar homes for sale in Grand Rapids, MI. In this example, the realtor in Sacramento could be more likely to accept a lower commission rate since they’d be making more money from the home sale.

Of course, this doesn’t mean you can’t try to negotiate real estate fees if your home has a lower valuation. Keep in mind an agent may be less likely to accept a discount since their fee will be a lower dollar amount.

Your home is in ready-to-sell condition

You’ll have more negotiating power if your home is already in tip-top shape before approaching a realtor. 

This can happen one of two ways:

Proceed with caution if you go with the second option. Like selling a used car, it’s easy to overestimate the current condition of your home. A second opinion never hurts if you think you need one.

You’re working with a newer agent

Less experienced agents might be more likely to accept a lower commission rate to get more sales under their belt and build a reputation.

Keep in mind that more experienced agents may be able to sell your home quicker and for more money. This depends on the agent and market conditions, so it helps to ask plenty of questions beforehand and learn more about each agent’s approach to selling your home.

You’re using a dual agent

When the same real estate agent represents both the buyer and seller, it’s known as “dual agency.” There are many things to consider, and dual agency is actually illegal in some states. But lower commission rates can be one possible perk.

The agent involved could be more likely to accept a lower commission if they get two commissions from the same deal. It’s up to you whether that makes up for the potential drawbacks of dual agency.

3. Keep your offer competitive

Negotiating anything is all about balancing your expectations. Offering $25,000 for a new car might be realistic if it’s listed for $26,000, but not if it’s $35,000. Negotiating a real estate agent commission isn’t much different.

Asking a realtor to shave 0.5% or 1% off their commission can be ideal if you back up your offer with perks that make your home easier to sell. Half a percent might not sound like a lot, but with a $400,000 home, that’s another $2,000 in your pocket.

If your realtor already offers a reduced rate, you might decide it’s best to skip the negotiation altogether. It all depends on your unique selling situation and how you want to approach it.

Most agents don’t receive a salary, so commissions are the only way they’re paid for their time and expertise during the homebuying or selling process. Agents may also give up a big chunk of their commissions to the brokerages they work for, which usually cover marketing costs, license fees, and other expenses.

Take the information you gathered earlier and use it to present the best offer you can. The more realistic your expectations are, the more likely an agent will take you up on your offer.

4. Be transparent and start early

Don’t wait until you have an agent locked up to tell them you want to reduce their commission. If you’re interviewing multiple agents, tell each one how you feel upfront.

Make sure you bring this up before you sign a listing agreement, especially if it requires you to work with the agent for a certain period of time. Some listing agreements let you back out at any time, but others don’t.

Ask as many questions as you need to understand what will happen if you want to back out of the agreement.

5. Have a backup plan

You can always try to negotiate real estate commissions, but the agent doesn’t have to accept your offer. It helps to come up with a backup plan in case this happens.

Ask yourself a few questions before you approach an agent:

Try to answer these (and any other questions you can think of) ahead of time. That way, you’ll know just what to do if the agent says their commission rate isn’t negotiable.

6. Know when not to negotiate

Knowing when not to negotiate realtor commission fees can be as important as knowing how to negotiate. Home sellers choose to pay the full listing agent commission in many cases.

You might decide to skip the negotiations if:

Negotiations are always on the table, but agreeing to a full commission can show an agent you really value their expertise and ability to sell your home for as much as possible.

Even if you decide not to negotiate, double-check the commission fee before you sign a listing agreement. An unpleasant surprise is the last thing you want popping up down the road.

7. You might not need to negotiate at all

Does the idea of negotiating someone’s commission give you the heebie-jeebies? You can still pay a lower rate:

Consider a company that already offers reduced rates

Some real estate firms automatically offer a lower commission rate when they sell your home. For example, the real estate company Redfin has a standard 1.5% commission rate, or 1% if you use a Redfin agent to buy and sell a home within the same year.

This might not be an option if you already have your heart set on another realtor or live in an area that low-commission brokerages don’t service. But if you’re still trying to find the right agent and have access to one of these companies, it could be worth considering.

Talk to multiple real estate agents

Make commission rates a topic during your interviews with potential real estate agents. Some of them could offer lower fees upfront.

If they already reduce their commission, you’ll need to decide how you value the savings. If you don’t sense much difference between this agent and other agents with higher fees, signing with the lower-priced agent could work in your favor.

But suppose you have to sacrifice things like experience, home exposure, or services offered. That might call for a little more reflection.

Consider selling to an iBuyer

Some companies offer a service called iBuying, where they buy your home upfront and sell it themselves. An iBuyer can be a good option for someone looking to sell their home fast without the steps involved in a standard sale.

You won’t pay a traditional real estate agent commission if you’re selling your home this way, but you could pay more overall. It’ll help to consider the pros and cons of iBuying before you put pen to paper.

Sell your home without an agent

Around 7% of sellers choose to sell their homes without a listing agent (for sale by owner), according to the National Association of Realtors. People who list alone only need to pay the buyer’s agent commission if the buyer is using one. But they’ll pay out of pocket for things like marketing, photography, and flat fee MLS services.

Selling a home on your own can be difficult, but it’s not impossible. You’ll want to consider everything involved with selling your own home without an agent and decide if it’s worth the money you’d save on a commission fee.

8. Buyers can save money too

Since the seller usually pays both commission rates, the buyer doesn’t have to worry about negotiating these fees. But they can sometimes still save money in the form of cash back after closing.

Like a seller negotiating the listing agent’s fees, buyers are free to negotiate with their agents. But an agent isn’t obligated to offer rebates or other financial perks.

If you want a sure thing, you can sign with a realtor or company that offers buyer rebates from the start.

As a buyer, negotiating the price of the house you want to buy usually rewards you with the most savings. All the more reason to work with an agent that will do everything in their power to make a deal happen.

Should you try to negotiate an agent’s commission?

The answer depends on you, your home, and a few other things. Remember, realtor fees are always negotiable, even if you don’t think there’s a great chance the agent will say yes. Keeping it realistic is the name of the game.

It’s safe to say your mileage may vary when you negotiate commissions. But with some research, flexibility, and a little bit of luck, you could walk away with extra cash to spend on your next home.

Sunken living rooms – a statement space that draws its fair share of controversy, dividing homeowners between those that love and hate it. Opinions aside, this fun home feature first became popular during the 60s and 70s, aiming to give more intimate spaces for social gatherings in the home. They thrived for nearly 20 years, before abruptly falling out of fashion. Nowadays, the trend has resurged in some modern homes and with so many older homes featuring this sunken space, you’re guaranteed to come across

Sunken living rooms – a statement space that draws its fair share of controversy, dividing homeowners between those that love and hate it. Opinions aside, this fun home feature first became popular during the 60s and 70s, aiming to give more intimate spaces for social gatherings in the home. They thrived for nearly 20 years, before abruptly falling out of fashion. Nowadays, the trend has resurged in some modern homes and with so many older homes featuring this sunken space, you’re guaranteed to come across them on home tours. So what exactly is a sunken living room and is this fun and funky space right for you? Let’s find out.

What is a sunken living room?

Today, you’ll typically find sunken living rooms in mid-century modern homes or brand new contemporary ultra-sleek builds. Also known as a conversation pit, sunken living rooms are a slightly lower “sunken” area of the home that usually houses the living area. Sunken living rooms used to be a popular home staple but eventually fell out of popularity. 

However, there are still homeowners that look for this blast from the past trend. If you own a home with these sunken rooms, there are plenty of ways to create an aesthetically pleasing sunken space in your home. They can be perfect for a variety of purposes, beyond a standard living room. Or if you’re buying a new build, you may want to consider adding this cozy feature to your home. 

The advantages of a sunken living room

Many see this space as outdated, but there are advantages to having a sunken room regardless of if you’re living in Dallas, TX, or renting a home in Charlotte, NC. Let’s take a look at the benefits of these spaces whether you’re a homeowner or renter.

Sunken rooms create an intimate area 

Sunken living rooms are known for giving your home a cozy space for social gatherings. “The benefit of a sunken living room is that it creates drama and intimacy in the space and can designate different areas of an open floor plan. Keep in mind that it may pose a slight safety hazard – beware of a trip and fall. Consider your situation and whether the risk is worth the reward in this case.” – Silver Rabbit 

Gives open concept homes dimension 

Another perk of this quirky space is they can give any open concept home layers. The few steps down will signal it’s a new space. “Sunken spaces, specifically living rooms, are great for defining the room from an open floor plan and creating a sense of coziness. It’s also a great way to give the living room some additional ceiling height, especially if you’re limited with living space above.” – Potts Design & Co.

Offers versatile space 

Sunken living rooms can be decorated to suit all designs and purposes. Make this space your movie room, conversation room, or even a sunroom. The possibilities are endless, especially if you’re adding this space into a new build. Think outside the box on what a sunken space can be for you. Like any room, the decor will tell all. Are you going for a space that speaks to where it came from or where it’s going? 

Things to consider before going full sunken 

Adding a sunken living room to your current home may be difficult

Adding this home feature to your current home is a big project that requires you to alter the home’s weight-bearing structure. While this may prove to be difficult, it can still be done. If you love the look of sunken spaces, it’s best to buy a home that already has a sunken room or add it to a new build.

Planning is extremely important 

“Make sure you think and pre-plan about what you want in your sunken living room because it will be permanent, and you will not likely be able to change much of it afterward because of the sunken slab. Plan and ensure you know exactly how many people you want to sit there, so you know the correct sizes and sizes of the sofa. A sunken living room is a cozy space, so sofa size and width are important. Also, check other permanent architectural features like views or a feature you want to have like a fireplace or electrical provisions for a TV.” – Architect Russel

A sunken living room may not add home value

If you’re looking for projects to increase your home value, a sunken living room may not be the best option. That said, there are still plenty of ways to make this home feature extremely attractive to homebuyers. 

Sunken living room ideas

The sunken living room is a feature that can be decorated for the ages. Whether you’re looking for a deco, contemporary, modern, or groovy space, the design is really up to you. 

Select furniture that completes your vision

Be selective when choosing furniture for your sunken living room. Taking proper measurements of your sunken space is an essential step in choosing the right furniture. In most sunken living rooms the statement piece will most likely be the couch. For example, a low couch will give the space an extreme sunken feel, while a bright color will make the space stand out. The furniture will help make the space pop, especially if you want your sunken room to be a statement in your home. 

The right decor will define the space

A fun part of decorating your sunken living room is playing with the element of height. “A sunken living room creates the feeling of space and height, maybe a great family space. We recommend the design be cozy and inviting.” – Eddie Design and Remodeling The best part of creating the vibe for your sunken living room is that the options are endless. “Flameless fire pits are a great way to highlight an indoor space. Most of them run on electricity and water vapor. They are safe and add an amazing amount of ambiance. Try going with a darker floor and lighter walls will warm up the space – a great look to go with is a darker porcelain faux wood plank flooring. Most of them look very similar to real wood and will last you a lifetime. Also, consider a decorative wall tile to enhance the space as well.” – Stone Age Tile

Update your sunken living room to feel more modern

If you already have a sunken living room in your home, there are so many ways to elevate your space. Consider ways to give the space a new feel, like new furniture and new decor, and create a vibe around what you use the room for. You can create a sunken movie room space with dim lighting, oversized couches, and surround sound. Or consider a minimalist approach utilizing available natural light if you’re looking for a bright space

“Sunken living rooms are a classic element of the past that can be updated by using downlighting and natural fabrics. The center of the seating area can have a modern transparent glass coffee table. This will open up the space and give it a modern touch.” – Gileta Design

Are sunken living rooms for you?

A sunken living room is a unique home feature that can feel like a destination. For homeowners that have an existing sunken room, elevating this space will only make it better. There are countless ways to get design inspiration whether you’re looking for cozy sunken rooms or a modern and minimalistic conversation pit. For new home builders, consider adding this living space to your home to give it something special, especially if you’re working with an open floor plan.

Climate change is on many homeowners’ minds and how the various climate risks such as flooding, fire, and drought may affect your home. Now may be the time to turn to a more sustainable future of homeownership, and sustainable architecture is paving the way to mitigate our impact on the environment. So whether you’re looking to buy a new home that’s more eco-friendly or looking for sustainable upgrades to your existing house, we’ve got you covered. We’ll explain what sustainable architecture is

Climate change is on many homeowners’ minds and how the various climate risks such as flooding, fire, and drought may affect your home. Now may be the time to turn to a more sustainable future of homeownership, and sustainable architecture is paving the way to mitigate our impact on the environment. So whether you’re looking to buy a new home that’s more eco-friendly or looking for sustainable upgrades to your existing house, we’ve got you covered. We’ll explain what sustainable architecture is and how you can make a greener future for your own home.

What is sustainable architecture?

Sustainable architecture is an all-encompassing term that describes commercial and residential buildings designed, built, and lived in with an eco-friendly approach in mind. Every step of the home building process takes sustainability into account – from designing and planning to choosing sustainable building materials and renewable energy sources for heating, cooling, plumbing, and blending the home into the natural environment.

History of green architecture

Sustainable architecture has its roots in age-old building techniques. Since the first Earth Day in 1970, green architecture has seen a resurgence. Now that climate change is more apparent and affects homeowners across the globe, there are many reasons for architects and homeowners to embrace more sustainable buildings and houses.

With sustainability, zero-waste, green, and environmentally friendly becoming popular terms, it’s essential to understand what exactly makes a home or commercial building sustainable. 

Characteristics of a sustainable building design

Sustainable architecture considers many different elements with an overarching focus on our impact on the environment. From using natural materials and reducing energy consumption to aiming for net-zero buildings and combating climate change, there are many ways to bring sustainable architecture into your home. Here are some of the more common characteristics of a sustainable building.

Active sustainable design 

Active sustainable design is the first of many ways to increase a home’s energy efficiency. For example, active design strategies use energy sources such as electricity and gas to optimize energy consumption. These strategies include solar panels for electrical power and heating, wind power, and higher-efficiency HVAC systems. Other examples include smart home automation, Energy Star appliances, and radiant heated flooring.

Passive sustainable design

On the flip side, passive design strategies use natural elements to make a space more eco-friendly. These choices include factoring wind patterns and sun orientation into the building’s construction. During the design process, architects may choose larger roof overhangs to protect the sunnier side of the home, allowing for better insulation during warm months. Another popular passive design choice is cross-ventilation, giving homes better airflow and reducing air conditioning use during warm months. Other examples include using recycled materials, durable exterior building materials, higher efficiency windows, and rainwater collection systems.

Green building materials

Many green building materials can help achieve a more sustainable home. Green building materials are typically derived from natural materials and renewable sources. They can help reduce a home’s energy costs in the long run. Some of the most common green materials include cork, bamboo, stone, straw bale, and adobe brick. Similarly, you can also incorporate recycled materials like recycled plastics and reclaimed wood into your home’s design.

Recycled shipping containers are another example of an innovative sustainable material. You can build an entire tiny home from a recycled shipping container, or you can construct your home from pieces of recycled shipping containers.

Green roofs

Green roofs are more common in larger residential buildings like apartment complexes rather than single-family homes. Typically, green roofs feature a rooftop garden or grassy area with trees and plants that help improve air quality and reduce a building’s temperature.

Renewable energy

Another characteristic of an eco-friendly building design is the use of renewable energy. The most popular example of renewable energy is none other than solar panels. Solar panels can be used in a few ways to power your home, such as electricity, water heating, and air conditioning. Note that solar panels take energy from the sunlight, so they won’t work when the sun is set.

Another example of renewable energy is geothermal energy systems which use the earth’s temperature to generate power into a home. This is commonly done with an air source heat pump. Air source heat pumps transfer heat into your home rather than converting it from a fuel source. There are different types of air source heat pumps, so speak with an HVAC expert specializing in energy-saving technologies to determine which is best for your home.

Eco-friendly and native landscaping 

Eco-friendly landscaping aims to reduce energy consumption used in traditional landscaping while also helping the environment. Examples of eco-friendly landscaping include reducing water usage, reducing fertilizer and pesticides, composting, growing your own vegetables and fruits, and strategically planting native plants or plants based on their need for sun or shade.

Native landscaping incorporates plants like trees, shrubs, and flowers that naturally occur in a region into a home’s landscaping. Using native plants helps insect species and animals thrive, reduces pesticide use, and eliminates the need for fertilizers. There are many other benefits of using native plants, such as cutting water usage, reducing air pollution, and helping promote biodiversity.

Sustainable choices for your house

If you’re not in the market for a newly constructed green home, there are lots of small changes that can make a significant impact in the long run. Here are some common sustainable swaps you can make for a greener home.

These are just some of the countless changes you can implement to make sustainable living that much easier.

Benefits of green architecture

Sustainable architecture doesn’t just benefit the environment, but it can benefit you whether you’re a homeowner or renter. Let’s take a look at just some of the many pros of green buildings.

Reduced energy consumption: One of the main benefits of green architecture is reduced energy production. By incorporating these sustainable technologies into your home, you may reduce your monthly energy bills.

Better indoor design: Another significant impact of sustainable architecture is improved interior design. By using materials free from volatile organic compounds (VOCs), improving your indoor-outdoor ventilation and air flow, and choosing better insulation, your home may be more comfortable to live in.

Reduced carbon footprint: Lowering your carbon footprint is another critical factor in sustainable architecture. Your carbon footprint is the total amount of greenhouse gasses – carbon dioxide, methane, and fluorinated gasses – emitted into the atmosphere. Many sustainable alternatives like LED lights and Energy Star appliances help to reduce your carbon emissions.

More durable houses: Many sustainable materials are lower maintenance and have better durability than standard construction materials.

Lower water usage: You’ll likely use less water in a sustainably designed home. Whether it’s installing rainwater collection systems, having a native landscape, or using efficient plumbing fixtures, many design elements can help reduce water consumption.

What to expect from sustainable residential architecture

Sustainable architecture is paving a path towards a greener and climate friendlier future for homeowners and renters. Many newer apartment complexes have taken a more sustainable approach to their building design. When apartment hunting, you may come across buildings that are LEED-certified which are buildings that, “save money, improve efficiency, lower carbon emissions and create healthier places for people.” A building may be platinum, gold, silver, or certified based on the number of points a building has that “address carbon, energy, water, waste, transportation, materials, health and indoor environmental quality.”

As climate change affects more communities and more homes become at risk of drought, fires, and extreme climate events, it’s important to evaluate your home’s sustainability efforts. If you’re on the search for a new construction home, consider working with architects and construction companies that use sustainable practices or materials.

If you’re living in Dallas, TX or looking for a rental home in Seattle, WA, consider implementing more sustainable options. Whether that’s upgrading appliances to a more environmentally friendly option or even something as simple as composting, there are plenty of options you can choose from. And if you’re looking to buy a new home, consider one built with sustainable architecture in mind.

Touring homes can be a thrilling experience, especially if you’re a first-time homebuyer. However, you can easily get swept away in the excitement of it all and not realize that you’re missing out on some very important details about the home. Knowing what you want before touring homes is a great start, then while you’re on home tours don’t be shy to test everything. 

To help you feel more confident as you’re touring homes, we’ve broken it down for you: 

Touring homes can be a thrilling experience, especially if you’re a first-time homebuyer. However, you can easily get swept away in the excitement of it all and not realize that you’re missing out on some very important details about the home. Knowing what you want before touring homes is a great start, then while you’re on home tours don’t be shy to test everything. 

To help you feel more confident as you’re touring homes, we’ve broken it down for you: 

What is a home tour? 

Touring homes is one of the most exciting parts of the homebuying process. A home tour is when you finally get to see those online listings in person, which will give you the best idea if a home is a right fit for you. You can either tour a home in person or you can take a virtual home tour via video chat. However, it’s always best if you’re able to see the home in person. So when you’ve found a home you’re really interested in online, schedule a tour as soon as possible.

Be sure to take notes and photos as you’re touring. Most of the time you’ll be viewing a handful of homes, so this will make it easier to remember your thoughts and the details of each home. If health guidelines allow, try everything: open and close doors, flip light switches, test out the water pressure, and don’t forget about looking at the exterior of the home.

Not every house will be perfect, so try not to get caught up in minor cosmetic details, like paint colors or hardware finishes. However, you’ll want to be on the lookout for any red flags as you’re house hunting. Your agent should be able to point out potential problems and answer your questions as you walk through the home.

If you’re touring a home virtually with your agent, much of this same advice applies, though you’re obviously limited in how you can interact with the home. The most important thing you can do is be assertive in asking your agent to investigate the home for you and answer any questions you have. Learn what to ask during a virtual tour.

What’s the difference between an open house and a private home tour?

An open house is a public and typically casual event hosted by the listing agent that gives everyone the opportunity to leisurely tour the home for sale. Most open houses take place on Saturday and Sunday, usually between 10 am and 4 pm. Open houses are a great way to casually view a home either on your own or with your agent. But because they are open to everyone, you usually won’t be able to see the home in as much detail as you’d like. If you want to spend additional time taking detailed measurements and scrutinizing every square inch, you’ll want to book a follow-up private tour with your real estate agent.

Privately touring a home generally requires working with a buyer’s agent, but this can easily be done online within just a few minutes. A private, in-person home tour is the best way to see a home in detail. Be sure you give yourself enough time to get a feel not only for the home itself but also for the surrounding neighborhood.

How to prepare for a home tour

Before you begin touring homes, do your online research and start narrowing down your list of must-haves versus nice-to-haves. Then try to find homes to tour within your price range. Here are some things to consider before you start touring homes.

Research the neighborhood

Take a few minutes before or after your home tour to check out the neighborhood. How does the neighborhood feel? Is it bustling or is it quiet? Is there shopping, dining, and other amenities nearby? What are the schools like?

If you’re interested in making an offer on the home, you should do additional research online and ask your agent what she or he knows about the surrounding area. Also look at the home’s school rankings, Walk Score®, and Transit Score®, which can be found toward the bottom of the home’s listing page.

Floor plan, number of rooms, and room sizes

Do you prefer an open layout or do you like the differentiation between rooms in a house? 

As you’re touring homes, it’s important to think about the functionality of the home’s floorplan and layout, and if it will accommodate your lifestyle.

You’ll likely determine how many bedrooms you’re looking for before you begin touring homes, but don’t forget to note the size of the rooms when you start viewing houses in person. Will the bedrooms be large enough for your kids as they get older? Will it be spacious enough to accommodate a home office? While the number of bedrooms is important, so is the square footage of each room.

How important is natural light and the direction your home faces?

If having plenty of natural light ranks high on your list of must-haves, you’ll want to take note of the amount of light each room may get throughout the day. Does the home face north or south? Typically, a south-facing home will see the most hours of sunlight throughout the day.

Do you have a preference on the style and age of the home?

Have you narrowed down the style of home you want? From craftsman-style houses to mid-century modern homes, there are many home styles to choose from. By browsing listings online, you’ll be able to get an idea of what home style(s) you’re most drawn to which can also help narrow down your search.

Would you prefer to buy a turnkey home that’s move-in ready? Are you looking for an older home that you can renovate or make minor upgrades? If you’re considering buying an older home, there are extra precautions you’ll want to take before putting in an offer. If the home has popcorn ceilings, you’ll want to consider the possibility of asbestos. How is the foundation? When will the roof need to be replaced next? 

Outdoor features

Last but not least, you should have an idea in mind of what you’re looking for in terms of outdoor space. Do you want a large, open yard? Are you looking for an outdoor space with a pool or enough space to install one? Or are you looking for a smaller patio area that will still allow you to lounge outside but without the upkeep of a large yard?

How to schedule a home tour  

Once you’ve done your research and you’re ready to start viewing homes in person, you can easily book a home tour online. Follow these quick instructions to book your online tour: 

1. On the right-hand side underneath the listing photos, find the “Go see this home” section. Then simply select the date you’d like to see the home, and whether you’d like to see it in person or via video chat, and press “Schedule Tour.”

2. You’ll then be prompted with a few more questions regarding the home tour. Select the time that works best for you, your preferred method home tour method, and provide your contact information. And that’s it!

House tour checklist: What to look for when touring a house

Once inside a home, try everything. Follow common courtesy but don’t be shy—open and shut the cupboards, flush the toilets, and whip out the measuring tape. Pay attention to stairways especially. Are the stairs comfortable to go up and down? Is there a rail? Are there any squeaks in the stairs or do they feel sturdy? Are there any turns or will the width be an issue when moving furniture? Here are a few key things to look for on each home tour:

Don’t forget about the exterior

Don’t forget to walk around the entire home and property. Pay attention to the age and condition of the roof and siding. Does the landscaping look like it will be a lot of work? If you don’t have a green thumb and don’t want to hire a gardener every month, you may want to look for a home with easy outdoor upkeep.

Take notes and photos throughout the home tour

It’s easy to get homes mixed up so take photos, videos, and notes on each tour. Take pictures of features you particularly like and dislike about each home, and share these insights with your agent. Looking through your photos and notes with fresh eyes may also trigger additional questions you have about the home.

Use your five senses when touring homes

Sight: Are there signs of water damage? Do you see mold? What does it look like under the sinks? How close are the homes next door? Can you see inside of your neighbor’s home? Is there natural light coming through or do the rooms feel dark? Is there anything of concern being covered by window dressings, rugs, etc.?

Hearing: What is the noise level like in the neighborhood? Can you hear nearby traffic noise, or is the house located near a railway? Is the interior of the home quiet or can you hear the HVAC system? Do the floors squeak?

Smell: Can you smell any odors from the carpet, such as animal odors? Do the bathrooms smell of mildew? Do the rooms smell over-sanitized with artificial fragrances? Does it smell like fresh paint?

Touch: What is the water pressure and temperature like? Do any of the walls feel damp, particularly in the bathrooms? Do the floors feel level? Is the tile slippery? Are the heated floors actually heated?

Taste: What does the tap water taste like?

Questions to ask your realtor when looking at a house

Agents tour homes every day. Pick your agent’s brain for any unique qualities that stand out or flaws that you could be unaware of. If your agent doesn’t know the answer to a question, she or he can always ask the seller’s agent later. Here are a few common questions to ask your agent:

Red flags to look for when touring a house

While you should be looking for home features that check off your boxes, you should also be looking for red flags as you tour a house. These are a few potential red flags you should be aware of and pay close attention to during home tours: 

The bottom line 

Homebuying takes plenty of compromise and patience. It’s easy to fall in love with a home at first sight—and if you love a home, chances are everyone else will too. This isn’t necessarily a bad thing, but just realize that you may be up against some competition. Be prepared to make multiple offers before you find the right home at the right price.

If homes in your market tend to sell well over list price, keep that point in mind while you search for homes. Also, stick to your budget when you make an offer. By the time most buyers find out that a home with a low list price will sell for a lot more, they are typically already invested and are willing to bid up to “win” the home. Don’t overlook any red flags just because your heart is set on a home, though. You may not think something is a big issue now, but could be a potential health risk later on or lead to costly repairs.

Cockroaches: a tiny pest with a big reputation. Roaches are one of the most common apartment and household pests, and they’re notoriously difficult to get rid of. Even if you keep your space tidy and clean, these pests can still find a way into your home. Not only are they destructive, and unsightly, but they can also carry bacteria and dangerous diseases that can put you and your family at risk. If you’re struggling with these pests, you need to know how to get rid of roaches in your apartment or house

Cockroaches: a tiny pest with a big reputation. Roaches are one of the most common apartment and household pests, and they’re notoriously difficult to get rid of. Even if you keep your space tidy and clean, these pests can still find a way into your home. Not only are they destructive, and unsightly, but they can also carry bacteria and dangerous diseases that can put you and your family at risk. If you’re struggling with these pests, you need to know how to get rid of roaches in your apartment or house – fast. 

From how to get rid of cockroaches overnight to cockroach prevention tips from pest control experts, this article will break down the steps you need to take to rid your home of roaches for good. Let’s dive in.

Five steps to getting rid of roaches in your apartment or house

1. Notify the landlord or property manager

If you’re living in a rental property, it’s imperative to contact your landlord or property manager as soon as you notice you have a roach infestation. Cockroaches can spread quickly in apartment complexes, so your landlord or property manager will likely have more information on how they want to proceed with the pests. 

2. Set up traps

The best way to start killing roaches on your own is to set up traps or baits around your home. Place them in known hiding areas like cabinets, around drains, and behind kitchen appliances. Check traps daily and replace them often. If you see that traps are extremely full regularly, it may be a sign to call an exterminator – this may be a job that’s too big for store-bought roach killers. 

3. Deep clean

To help keep your roach issue from getting worse, cut off their food and water sources. Be sure to clean up food immediately, avoid leaving dirty dishes out overnight, rinse out food containers, empty garbage cans every night, etc. 

Once all pests are dead, it’s time to deep clean your home. Cleaning will remove the dead roaches and clear any crumbs that lingering roaches could eat. Finally, make sure to disinfect the surfaces in your home to protect you from contracting any potential diseases or viruses. 

4. Seal entry points

To ensure that new roaches don’t enter your apartment or house, take time to seal any entry points. Roaches commonly come in through cracks in windows or doors, and through pipes and vents. Fix any leaky faucets or drainpipes and use caulk to seal any cracks or gaps.

Keep in mind that cockroaches are great hitchhikers; they can enter your home on clothes, electronics, furniture, and even people. If you’re traveling or moving, check your items for roaches or eggs before entering your home. 

5. Call an exterminator

If you’re still seeing roaches after performing the above tasks, it may be time to call an extermination company. They’ll do an investigation to see where the cockroaches are coming from.  Then, they’ll figure out how to get rid of roaches in your apartment or house and hopefully end your pest problem, once and for all.

“Once roaches infest, they’re tough to remove. You may need a professional exterminator for the job. With cockroaches able to produce more than 300 eggs in their short life span, it’s imperative to control their population sooner rather than later.” – Frontino Pest Co.

Comparing the six most common cockroach killers

There are many different products designed to kill cockroaches, each with their own set of pros and cons. To help you decide which is best for you, we’ll discuss six of the most common household methods.

1. Roach bombs

Also referred to as ‘bug bombs’ or ‘foggers,’ roach bombs kill roaches by releasing a powerful insecticide into the air, which then falls on surfaces and settles into any cracks and crevices.

Advantages: Easy to use, kills roaches quickly, and is good for severe infestations. Disadvantages: Flammable, not as effective as other options, not safe for areas with animals or children, and no residual protection.

2. Roach traps

There are three types of roach traps – sticky, poisoned bait, and mechanical. Each trap kills roaches differently, but they all work by luring pests into the trap with bait where the roach is killed. 

Advantages: Easy to use, most traps are fitted with plastic coverings – making them one of the safer options for homes with pets or children, and roaches are out of sight and killed overnight. Disadvantages: Not ideal for large infestations, can be expensive, and precise placement is required.

3. Cockroach gel bait

To use cockroach gel, you’ll need to place small dots of the gel on common pest hiding spots. After that, the roaches will eat the bait, ingest the insecticide, and die. 

This method works especially well for apartment-dwellers. “When it comes to eliminating roaches in your apartment, it’s best to avoid using contact-killer type spray cans like Raid because your goal is to eliminate them at the source. This can be done most effectively by placing bait such as Advion Roach Gel under cabinets and drawers, as well as behind appliances.” – True Nature Pest Control

Advantages: Generally very effective, works for a variety of cockroach species, can kill roaches overnight, and reduced-risk ingredients won’t target spiders or bees. Disadvantages: Gel baits dry out quickly, so you’ll need to reapply the bait often, toxic to children and pets if ingested, and only works if the bait is the only food source available to the roaches.

4. Roach spray

When roaches eat or walk on surfaces sprayed with roach spray, the chemicals in the spray are ingested or absorbed through the skin, killing the pest. 

Advantages: Cheap, kills on contact, and provides residual protection. Disadvantages: Dangerous for children and pets, messy, not a great option for apartment dwellers, and cockroaches that survive the initial spray can become more active after the treatment.

5. Diatomaceous earth

Diatomaceous earth powder is an abrasive substance that works by damaging the roach’s exoskeleton, dehydrating them, and eventually killing them.

Advantages: Long-lasting, safe for homes with children and animals, cheap, and works for treatment and prevention.  Disadvantages: Can take up to 2 to 3 weeks to take full effect, the powder must be completely dry to be effective, and easy to misapply.

6. Boric acid for roaches

When cockroaches come into contact with boric acid powder, the powder will cling to their legs and body. Once they clean themselves, they’ll ingest the powder and die.

Advantages: Affordable, easy, and highly effective. Disadvantages: Requires several re-applications, can take up to 72 for roaches to die after ingesting powder, not ideal for homes with pets or children. 

Where do roaches come from?

As mentioned previously, roaches can get into your home in many different ways. The most common ways cockroaches can enter your home are through cracks or gaps in the exterior or through drainpipes.

“Roaches can easily move from apartment to apartment, so it’s important to keep and maintain good sanitation within your unit. Making the environment unsafe for roaches is another key factor, so make sure to eliminate hiding and harborage areas by caulking around the base of the sinks in kitchens and bathrooms.” – EM Pest Control

Where do cockroaches tend to live in the home?

Cockroaches prefer moist, warm areas. If you suspect your home has roaches, you’ll likely find them in unfinished and finished basements, crawlspaces, cabinets, and behind appliances or water heaters. 

“Cockroaches’ favorite hiding places are dark areas in the kitchen and the bathroom, where they get a continuous supply of food and water. German Cockroaches even eat soap and toothpaste if they can’t find anything else. Be sure to keep an eye out – nobody wants cockroach-infused soap or toothpaste.” – Vester Pest Control

“Don’t use pesticides if cockroaches have found their way into your microwave. Instead, you should lure the roaches out with traps. A deep clean will get rid of any food or grease, drawing them to the microwave while also allowing you to rest easier the next time you put food in there.” – O’Hara Pest Control™ 

What attracts cockroaches? Five expert roach prevention tips: 

So, how can you get rid of roaches in your apartment or house and keep them out? Whether you live in an apartment in Nashville, TN, or a condo in Syracuse, NY, preventing roaches is all about making your home a boring place for roaches to hang out. This means cutting off three main qualities will attract roaches, shelter, food, and water.

Food

“Make sure to keep your kitchen clean; cockroaches are attracted to food, so the cleaner your kitchen is, the less likely they’ll visit. Secondly, store food in sealed containers. Cockroaches can smell food from miles away, so keeping your food sealed tight is essential. Finally, don’t leave any food or dirty dishes out; cockroaches are opportunists and eat just about anything.” – Aries Pest Control

“Keeping your home clean and tidy is the best way to keep those creepy crawlers away. Wash the dishes, sweep food crumbs, and make sure appliances stay clean because that’s typically one of the highest nesting areas for roaches.” – 417 Pest Solutions

Shelter

“For prevention of cockroach infestation in an apartment, simple things like decluttering kitchen cabinets, removing trash on a daily basis out of your kitchen, degreasing the stove, kitchen counter, and floor will prevent creating an environment in which can cockroaches thrive. If you’re concerned you may have a problem, roll your refrigerator out and check if you have any near the compressor area.  Similarly, you can check cupboards, particularly those with food.” – Patrick Wilson, CEO of Centurion Pest Management

Water

“Prevent roaches by repairing leaky pipes or faucets that can provide cockroaches with a source of water, inspecting your home’s exterior walls, sealing up any cracks you find, and placing covers over drains and vents entering your home.” – Quell Pest Control

“Cockroaches reproduce rapidly and boast several advantages of survival compared to most other pests. Along with being excellent hiders, they’re nearly impossible to starve and are resistant to most pesticides. To help prevent future infestations, eliminate water accesses such as leaks or standing water, and store trash properly in a sealed container.” – EcoSmart Pest Solutions

Whether you’re looking for a little slice of history, a home that’s uniquely charming, or one that looks like it jumped off the pages of a storybook – you’ll find all that and more in a Tudor style house. From its distinct white stucco and wood-detailed exteriors to its asymmetrical appearance and English country manor feel, there are countless features that make Tudor homes stand out amongst other popular house styles. Before you set your sights on a Tudor house, check out everything you need to

Whether you’re looking for a little slice of history, a home that’s uniquely charming, or one that looks like it jumped off the pages of a storybook – you’ll find all that and more in a Tudor style house. From its distinct white stucco and wood-detailed exteriors to its asymmetrical appearance and English country manor feel, there are countless features that make Tudor homes stand out amongst other popular house styles. Before you set your sights on a Tudor house, check out everything you need to know about these historic homes.

What is a Tudor style house?

Tudor style houses, also called Tudor Revival or Mock Tudor, are two-to-three-story homes with brick exteriors featuring large portions of white stucco and decorative half-timbering. These homes have a romantic and slight medieval appearance, making them a truly unique home style.

History of the Tudor home

Tudor architecture dates back to none other than England’s Tudor period (1495 – 1603). This era marked the end of Medieval times and also gave way to a new architectural style. Wooden frames became popular during this era, making exposed interior beams and half-timbered exteriors more common.

Tudor style homes today are a little bit of a different story. As the mid-19th century rolled around, Tudor revival architecture rose in popularity as wealthier homeowners built new homes with the Tudor style in mind.

By the early 20th century, building materials became less expensive. As a result, Tudor style homes were easier and more affordable to build. However, they remained the most popular in wealthy suburbs, with homes often referred to as “Stockbroker’s Tudors.”

By the end of World War II, Tudor houses fell out of style, with many homeowners favoring more American-style architecture, like the mid-century modern house style. However, you can still find many Tudor revival homes whether you’re renting a house in Pittsburgh, PA, buying a home in Washington, D.C., or living in Richmond, VA.

Features of a Tudor house

Tudor style homes have a signature stamp, unlike many other house styles that you may run across. There are a few architectural elements that create the iconic Tudor design, so let’s look at the common details you may find.

Tudor home exterior features

Tudor houses are easily identified from their exterior features, taking inspiration from medieval architecture. Homes are typically 2-3 stories and have white stucco siding with dark wood accents. Unlike the original wood Tudor homes, modern Tudors may be built using brick.

Other features of the Tudor look are steeply pitched gable roofs, tall decorative brick chimneys, and metal or stone chimney pipes or “chimney pots” extending past the chimney frame.

Windows are another prominent feature in Tudor style houses. They come in many variations but are most commonly tall and narrow multi-paned windows. Some windows may have rectangular or diamond-shaped panes grouped together. Other unique window features include “oriel windows,” which are bay windows that extend beyond the home’s façade and are typically located on upper floors.

The front door of a Tudor house is yet another important architectural element. Front doors typically have a round arch, surrounded by stone detailing, which stands out against the brick exterior walls.

Tudor home interior features

A Tudor home’s interior also features many historic details common during the 1500s. You’ll find lots of wood detailing like wood panels, exposed beams, and wood wainscoting and trim. The walls and ceilings are typically a white or light-colored plaster which contrast the detailed ceiling beams.

Types of Tudor homes

There are three main types of Tudor style houses that you may run across, and we’ll cover the small details that make them different.

English Tudor style

English Tudor style is the quintessential Tudor style that you’ll probably recognize. Think prominent half-timbered siding, steeply pitched roof, arched doorways, groups of windows, and the charm of an English manor.

French Tudor style

The French style Tudor has influence from both the English Tudor style and other French architectural styles like “French Country.” Unlike the typical half-timbered look of a Tudor exterior, French Tudors typically use more stone and wood exteriors, creating a natural look.

American Tudor Revival style

The American Tudor Revival style is what you’re most likely to find when searching for Tudor houses. Tudor Revival homes typically have red brick exteriors, with decorative half-timbering, and intricate details around doors, windows, and chimneys. Compared to the English Tudor, you’re more likely to find a larger front gable.

What to consider before buying a Tudor style house

Tudor houses are among the older home styles you’ll find while house hunting. Since these homes went out of fashion after World War II, the majority of Tudors will be older – with many nearing 100 years old. This is important to keep in mind as you decide if this home style is right for you.

Pros and cons of a Tudor home

Each and every home style has its pros and cons – and it all depends on your needs as a homeowner. Find out some of the common pros and cons of Tudor style houses to determine if it’s the right style for your homeownership goals.

Pros of Tudor houses

Historical past: One of the biggest draws of a Tudor style house is the age and history. They’re filled with one-of-a-kind details, features, and even hidden rooms that make these homes stand out amongst the rest.

Structural quality: Solid masonry, stone chimneys, and plaster walls are just some of the Tudor architecture that makes these homes designed to last. The structural quality of a Tudor style home means that you may need to worry less about specific features needing updates.

Asymmetrical design: Tudor Revival houses are typically square or rectangular but have an asymmetrical floor plan. This means that one side of the house is entirely different from the other side. This unique feature allows homeowners to have more freedom when designing their home.

Square footage: Tudors tend to be larger than the typical single-family home, which may be a huge plus for those looking for a big house.

Cons of Tudor houses

Roofing issues: Tudor homes typically have durable slate roofs. However, the many gables and dormers may cause problems with the valley flashing – the point where two sections of a roof meet. Valley flashing allows for rainwater to run off properly. But in Tudor houses, you may experience more leaks due to the ornate roof detailing.

Age: Unless recently updated, many older homes can experience frequent issues. Since many Tudor style houses are close to 100 years old, you may have additional maintenance and more updates than you would in a newer construction home.

Building materials: With their intricate details, exterior style, and interior design, the building materials necessary to properly update a Tudor home’s features may make repairs more expensive. You’ll need to find someone experienced with older homes if you need to restore your Tudor style house to its former glory.

Price: Tudor homes tend to be larger and constructed with costly materials. As a result, they may be more expensive than other home styles. However, that doesn’t mean you can’t find a smaller Tudor cottage that fits well within your budget.

How to find a Tudor style house in your area

If you’ve got your sights set on the historic Tudor Revival house, Redfin can help you find one in your area. 

1. Go to Redfin.com and type into the Search Bar either the city’s name or the zip code (for example, Washington D.C.) where you’d like to begin looking for a house. Press enter.

2. Near the top of the next page, on the right side, you will see “All filters.” Click on that and scroll to the “Keywords” box near the bottom of the page.

3. Type the word “Tudor” into the Keywords box and press Apply Filters. That’s all. All Tudor style homes within the city name or zip code you entered will populate the page, and you’ll be able to begin your search.

Buying a house can be an exciting yet confusing process. It can also be frustrating when you’re trying to buy a house with bad credit and don’t know where to turn for answers. Many people rent with the dream of going through the home buying process and becoming a first-time homebuyer. But if you have bad credit, you may think homeownership is out of reach.

Buying a house can be an exciting yet confusing process. It can also be frustrating when you’re trying to buy a house with bad credit and don’t know where to turn for answers. Many people rent with the dream of going through the home buying process and becoming a first-time homebuyer. But if you have bad credit, you may think homeownership is out of reach.

Can you buy a house with bad credit?

The answer is yes. But what does a bad credit score mean, and what are the types of home loans available to those with bad credit? We’ll answer those questions and detail the necessary steps you need to take to buy a home with poor credit.

What do lenders consider bad credit?

Mortgage lenders and the Federal Housing Administration (FHA) look at a credit score range when considering a home mortgage loan. A credit score between 580-669 ranks your credit as “fair” and is regarded as a higher risk for a mortgage lender. Lenders view a score of 579 or less to be “bad credit.” Scores this low can make finding a home loan challenging but not impossible. 

Your credit score tells a lender about your spending habits, payment reliability, and the likelihood of mortgage repayment. Low credit scores mean you’re a higher risk for a lender but do not have to mean your dream of owning a home has to come to an end.

How to buy a house with bad credit 

First, find out your credit score by getting a credit report. There are sites where you can get a free credit report, like FreeCreditReport.com. They provide credit reports from the three credit bureaus (Equifax, Experian, and TransUnion) at no charge.

Depending on your credit score, you may have some work to do, and it may take time to get the credit score needed to buy a house. 

How to improve your credit score

Focus on these financial habits to help boost your credit score if it’s lower than 580:

Improve your payment history: Payment regularity is a crucial factor used to determine your credit score. With a plan for regular on-time payments on your debts, you will improve your credit history and score with every payment. 

Pay down your overall debt to increase your debt-to-income ratio: Your available credit is also significant in your credit score. If you are maxed out and have no credit, improving your score will be a challenge. Focus on paying down debt to give yourself a credit cushion, and your score will rise. 

Decrease your credit utilization: Paying down credit cards and other personal loans will lower your credit utilization ratio, which is the sum of all your balances divided by your credit cards’ limits. Doing this also has a positive impact on your debt to income ratio (DTI). Paying down balances to under 30% will result in a significant credit score improvement.

Check your credit report and dispute any errors: For assistance, consider a credit repair service to help get you on track for buying a home. Once you get your free credit report, you may notice some errors bringing your credit score down. Significant blemishes like foreclosures, repossessions, or collections accounts can have a sizable effect on your credit report. A credit repair service will help get those errors fixed so your credit score can start moving in the right direction and help you get a better rate on a home loan.

Remove yourself from any co-borrowing accounts: If you have been a co-borrower or authorized user of an account that is currently maxed out or in default, your credit score can be negatively affected. Removing yourself from such an account can provide a quick boost to your credit score.

How much more will a low credit score cost you?

Since your credit score represents the level of risk involved when lending you money, a lower score will make it more expensive to buy a house because of higher interest rates. Borrowers that have higher scores are considered lower risk and get lower interest rates. 

Lenders consider several other factors, including the loan-to-value ratio (LTV) and DTI. Credit scores also have importance. If, for example, you borrow $300,000 and have excellent credit, you could secure an interest rate of about 4.8% or about $1,574 per monthly payment. A bad credit score could mean an interest rate of 6.4%, or $1,877 per month. Over the course of 30 years, this adds up to tens of thousands of dollars in additional monthly mortgage payments. In addition to higher interest rates, buyers with lower credit scores usually have to make a higher down payment, though down payment assistance programs can help ease the burden.

How to improve your chances of getting approved for a mortgage even with bad credit

Get pre-approved for a mortgage

One of the first items on your to-do list should be getting a mortgage pre-approval. Pre-approvals show the amount a lender is willing to let you borrow and the interest rate attached to that loan. This gives you a clear picture of what you can afford, which allows you to move quickly when making an offer for a house. Pre-approvals do not guarantee that your mortgage application will be approved, but it does give you a degree of certainty as long as your financial situation remains the same.

Increase your deposit

Lenders hesitate to loan money to people with low credit scores because they are perceived as high-risk. The easiest way to combat this is to increase the size of the downpayment. Paying more money upfront decreases your LTV ratio, which in turn will make more mortgage deals available.

Avoid applying for new credit

New credit applications will indicate to lenders that you are stretching yourself financially. Any new financing agreements or loans could serve as red flags for lenders and count against you when applying for a mortgage.

Make sure all your income can be verified

Lenders will always want to verify your income when you apply for a loan. This can be difficult to do if you do not have complete and up-to-date records. To help lenders verify your income, be sure to provide payslips and bank statements from up to the previous 12 months.

Make sure you’re registered to vote

Electoral roll data is a crucial tool for lenders to verify the identity and residence of a potential borrower. While you can have an excellent credit score without being registered, it may prove difficult to be approved for a mortgage. You can check your credit file to verify that you are in fact registered to vote.

Good loan programs for buyers with bad credit

You don’t need to take out a conventional loan to buy a house. The FHA loan insurance program helps applicants with bad credit buy a house. However, not every lender offers FHA loans, so be sure to shop around.

FHA-backed loans help you:

The downside? You will likely pay a higher interest rate on your home loan.

When your credit score is above 580, you could qualify for a mortgage with as little as 3.5% down and allowed an LTV of 96.5%. Lenders use a loan-to-value ratio to compare the size of the loan you’re taking out to the value of the property you want to purchase. 

For example, you could buy a home in Sacramento, CA, for $200,000 with an LTV ratio of 96.5%, meaning you couldn’t borrow more than $193,000, making $7,000 (or 3.5% of the home’s purchase price) your minimum down payment. With a score of less than 580, you’ll need a larger down payment of at least 10%, and your LTV will be no higher than 90%. 

VA Loans

Military veterans with a minimum credit score of 620 have access to Veteran’s Administration (VA) loans. If you can boost your credit score to qualify, additional VA loan benefits include: 

USDA loans

United States Department of Agriculture (USDA) loans are available for homebuyers who are lower-income and considering buying in rural areas. The minimum credit score required to take out a USDA loan is 620, but there are additional program benefits, including: 

Freddie Mac Home Possible loans

Home Possible loans make it easier for first-time buyers to get homes. Home Possible is available to borrowers with low or moderate-income. In order to qualify for a loan with reduced private mortgage insurance (PMI) rates, borrowers must have a credit score of 660. Benefits include:

Fannie Mae HomeReady loans

HomeReady loans were released in 2015 and intended for low to moderate-income borrowers. They provide expanded eligibility for home loans in low-income communities. HomeReady requires a credit score minimum of 620 to qualify. Unlike the Freddie Mac Home Possible program, you do not have to be a first-time homeowner to qualify. Benefits include:

Non-qualified (non-QM) mortgage

The qualified mortgage rule, or the QM rule, went into effect in 2014 with the goal of creating saver loans by limiting or prohibiting certain mortgage products that were considered high-risk. This rule helps explain why most conventional loans have credit score minimums in the 600s. While these loans tend to have higher interest rates, they are much more accessible for borrowers with low credit scores. It’s possible to get a non-QM with credit scores as low as 500, though you’re much more likely to be approved if your score is at least 580, which is also the minimum score to qualify for FHA loans.

Take steps now to improve your credit score and move closer to your dream of homeownership. You could qualify today for an FHA, USDA, or VA loan, depending on your circumstances. 

Do your homework to find mortgage lenders who will work with you to apply and qualify for these financing options so you can buy a house even if you have bad credit.

Should I improve my credit score before buying a house?

This is totally up to you. In the long run, increasing your credit score will save you a lot of money when buying a home. With that being said, the housing market is always fluctuating and real estate tends to appreciate in value over time. This can help offset the cost of borrowing with bad credit. However, if you’re unable to meet the minimum credit score requirements to get approved for a mortgage application, you will have to prioritize raising your credit score.

For most homeowners, a great deal of effort goes into choosing the right contractor for their home renovations. By the time you’ve decided on a contractor, finalized an agreement, and paid the deposit, the last thing you need is for it all to fall apart.  Some delays are warranted in home renovation as there are …

Project Left Unfinished? What to Do When a Contractor

For most homeowners, a great deal of effort goes into choosing the right contractor for their home renovations. By the time you’ve decided on a contractor, finalized an agreement, and paid the deposit, the last thing you need is for it all to fall apart.  Some delays are warranted in home renovation as there are …

Project Left Unfinished? What to Do When a Contractor Doesn’t Finish the Job Read More »

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Are you considering moving to Georgia and possibly buying a house in Atlanta or somewhere like Alpharetta? Georgia, popularly known as the Peach State, is the 24th most extensive state in terms of the landmass in the U.S. The state is densely populated and is considered the 8th most populous state in the U.S. Georgia …

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The

Are you considering moving to Georgia and possibly buying a house in Atlanta or somewhere like Alpharetta? Georgia, popularly known as the Peach State, is the 24th most extensive state in terms of the landmass in the U.S. The state is densely populated and is considered the 8th most populous state in the U.S. Georgia …

10 Pros and Cons of Living in Georgia Read More »

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Texas, also known as the “Lone Star State,” is the second-largest U.S. state by area and population. With such a big state, you’ll find something to love about Texas – may that be the fantastic barbeque or the beautiful state parks; there is something for everyone. Whether you’re considering renting an apartment in San Antonio …

10 Pros and Cons of Living in Texas

Texas, also known as the “Lone Star State,” is the second-largest U.S. state by area and population. With such a big state, you’ll find something to love about Texas – may that be the fantastic barbeque or the beautiful state parks; there is something for everyone. Whether you’re considering renting an apartment in San Antonio …

10 Pros and Cons of Living in Texas Read More »

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If you live in a big city, you’ve probably heard the term “pied à terre,” or maybe you’ve seen one. But what is it, exactly? Are they as fancy as they sound?  A pied à terre is a luxury apartment or condo in a big city that someone uses as their second home. People generally …

What Is a Pied à Terre? A Home Away From Home Read More »

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If you live in a big city, you’ve probably heard the term “pied à terre,” or maybe you’ve seen one. But what is it, exactly? Are they as fancy as they sound?  A pied à terre is a luxury apartment or condo in a big city that someone uses as their second home. People generally …

What Is a Pied à Terre? A Home Away From Home Read More »

The post What Is a Pied à Terre? A Home Away From Home appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

An efficiency apartment provides a lot of benefitis as long as you’re willing to trade space. But it isn’t right for everyone. This guide will walk you through all the details of efficiency apartment living.

The post What is an Efficiency Apartment? Scaled Down Living Defined appeared first on Redfin | Real Estate Tips for Home Buying,

An efficiency apartment provides a lot of benefitis as long as you’re willing to trade space. But it isn’t right for everyone. This guide will walk you through all the details of efficiency apartment living.

The post What is an Efficiency Apartment? Scaled Down Living Defined appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

Known as the "Bluegrass State," Kentucky is an excellent place to live if you’re looking for affordable living, top-tier national and state parks, and southern friendliness.

The post Top 5 Reasons to Move to Kentucky and Why You’ll Love Living Here appeared first on Redfin | Real Estate Tips for Home Buying, Selling &

Known as the "Bluegrass State," Kentucky is an excellent place to live if you’re looking for affordable living, top-tier national and state parks, and southern friendliness.

The post Top 5 Reasons to Move to Kentucky and Why You’ll Love Living Here appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

Massachusetts is the perfect destination for those looking to move to a place with beautiful beaches and scenery, fresh seafood, and a state big on sports. So if you’re considering renting an apartment in Boston or are looking at homes for sale in Cambridge, here are the top 7 reasons to move to Massachusetts.

The post Top 7 Reasons to Move to Massachusetts and Why You’ll Love Living Here

Massachusetts is the perfect destination for those looking to move to a place with beautiful beaches and scenery, fresh seafood, and a state big on sports. So if you’re considering renting an apartment in Boston or are looking at homes for sale in Cambridge, here are the top 7 reasons to move to Massachusetts.

The post Top 7 Reasons to Move to Massachusetts and Why You’ll Love Living Here appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

Salt Lake is truly a fantastic place to live, with unparalleled access to nature, an incredible arts community, and an emerging tech industry. Here are the top reasons to move to Salt Lake City, in no particular order, and why you should make this vibrant city your new home. 1) Arts and culture With a …

Top 8 Reasons to Move to Salt Lake City and Why You’ll Love Living Here

Salt Lake is truly a fantastic place to live, with unparalleled access to nature, an incredible arts community, and an emerging tech industry. Here are the top reasons to move to Salt Lake City, in no particular order, and why you should make this vibrant city your new home. 1) Arts and culture With a …

Top 8 Reasons to Move to Salt Lake City and Why You’ll Love Living Here Read More »

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Known as “the Alamo City,” living in San Antonio gives residents access to affordable living, family-friendly communities, and the perfect balance between rural and urban living. San Antonio is an attractive destination for those looking to move to a unique city filled with quaint neighborhoods, an excellent food scene, and a small-town feel with big-city …

Top 8 Reasons

Known as “the Alamo City,” living in San Antonio gives residents access to affordable living, family-friendly communities, and the perfect balance between rural and urban living. San Antonio is an attractive destination for those looking to move to a unique city filled with quaint neighborhoods, an excellent food scene, and a small-town feel with big-city …

Top 8 Reasons to Move to San Antonio and Why You’ll Love Living There Read More »

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Commonly known as “Mile High City,” living in Denver is an excellent choice for anyone looking for endless activities, great weather, and vibrant scenery. Here are the top reasons to move to Denver, in no particular order, and why you should make this beautiful city your new home. 1) Sports culture Denver is home to …

Top 8 Reasons to Move to Denver and Why You’ll Love

Commonly known as “Mile High City,” living in Denver is an excellent choice for anyone looking for endless activities, great weather, and vibrant scenery. Here are the top reasons to move to Denver, in no particular order, and why you should make this beautiful city your new home. 1) Sports culture Denver is home to …

Top 8 Reasons to Move to Denver and Why You’ll Love Living Here Read More »

The post Top 8 Reasons to Move to Denver and Why You’ll Love Living Here appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.