Joe Kulle and Katie Riley - Heritage Homes Real Estate



Posted by Joe Kulle and Katie Riley on 12/1/2019

Technologies for home theater audio are rapidly changing. At one time if you wanted a good listening experience in your living room you have to spend hundreds on surround sound speakers, subwoofers, and receivers. Then, you had to run wires throughout the room and try programming your remote to make it all work.

While surround sound speakers are still a good option, there are other ways to experience quality audio in your home. In this article, we’re giving you a guide to choosing a home audio system that fits your needs and, more importantly, your budget.

Sound bars 

The latest addition to home theater audio is the sound bar. These are slim, sleek speakers that usually come with a small subwoofer.

Sound bars come in several varieties. Some are plug-and-play, meaning you don’t need to worry about purchasing amplifiers or devices, you just plug them into your television via an HDMI cable or connect to your TV through Bluetooth and you’re done.

Other sound bars are more like bases that your TV sits on top of. Sound bases aren’t as popular as they once were, so there are limited options. Furthermore, they typically don’t include a separate subwoofer so they can lack deep bass.

The other benefit of sound bars is just how simple they are to use. Even the cheapest sound bars often come with Bluetooth, so you only have to worry about one outlet spot for the power cord.

For most homeowners who want sound quality far better than their television’s internal speakers can provide, sound bars are an easy way to vastly improve your audio experience without breaking your wallet.

Before buying a sound bar, try them out at a local electronics store to gauge what quality you need. You also might want to measure your television to find one that matches its width.

Surround sound

The classic home theater experience is a bit more complicated. However, you can often buy a “home theater in a box” which includes everything you need for an audio system.

Most commonly, you’ll find 5.1-channel surround sound. This means there are five speakers and one subwoofer included in the box. These systems have one central speaker, two speakers that are placed to the left and right side of the television, and two rear speakers. However, you can also find 7.1-channel systems which include two extra speakers.

Many “home theater in a box” packages include an audio receiver. However, if you already have one, your money will be better spent on buying a higher quality speaker system than replacing your receiver.

The downfall of buying a speaker/receiver package is that their quality is often only marginally better than a (much simpler and easier to set up) sound bar. To get the optimal experience out of a surround sound system, you’ll need to spend more and do your research.

So, if you have a high budget and want a dynamic, high-quality surround sound system, your best bet is to buy a quality receiver (usually somewhere in the $600 range) and then spend the bulk of your budget on speakers.




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Posted by Joe Kulle and Katie Riley on 11/24/2019

Although statistics may not be reflective of your individual real-estate buying habits, the "typical" homeowner tends to stay put in their home for around a decade -- give or take.

One of the few "drawbacks" of being a long-term homeowner is that, over time, you tend to forgot many of the details of the home-buying process.

However, an advantage of buying a home in the Internet Age is the availability of instant information on everything from interest rates and real estate agent reviews to house hunting tips and choosing a moving company.

Your Real Estate Journey

Buying a home can be an extremely satisfying experience... or it can be filled with frustration and disappointment. However, by having a basic understanding of how the house-buying process works, you'll be more effective at preparing yourself for what's to come, anticipating what you need to do, and creating a clear picture in your mind of your requirements and ideal living environment. As various thought leaders have said over the years: If you're not clear on what you want, you'll probably end up with something else!

The cornerstones of a successful real estate search are knowing your credit score, having enough money on hand for a sufficient down payment and closing costs, enlisting the help of an experienced real estate agent, and being proactive about meeting with mortgage bankers and shopping for a competitive interest rate (and terms).

Staying organized, creating priority lists, and continually educating yourself about the nuts and bolts of buying a home will help ensure that your real estate experience will be a positive one. Even though there may be a few bumps and detours along the way, taking the time to be organized and well informed will help you stay on track and produce the type of results you and your family are looking for.

Although it does pay to read articles from credible online sources, you don't have to achieve "expert status" as a house hunter and real estate buyer. If you choose your real estate agent with care, they should be able to provide you with the expertise, advice, and professional guidance you need to clear the hurdles and make it all the way to the finish line!

How does one choose a great real estate agent? The ideal way is to get a referral from a trusted family member, friend, coworker, or neighbor. If someone you trust can attest to the service level and results a particular real estate agent has produced, then chances are good that your experience would be comparable. If more than one person you know recommends a top-notch agent, then that creates a "multiplier effect." In other words, it increases the likelihood that you'll be satisfied with the service and results this agent provides. If you don't know anyone personally who has worked with a great agent, there are well-known websites that post reviews, years of experience, and relevant sales information on licensed real estate agents.





Posted by Joe Kulle and Katie Riley on 11/19/2019

Ranch style living in a peaceful and serene setting. Open floor plan with a country kitchen overlooking a spacious backyard. And a large living room and finished downstairs with a family room plus an additional finished space for an office, guest room or maybe a child’s playroom. Opportunity is knocking and let Santa make your dreams come true with a low down payment or 3% or $7,500 and be in by Christmas. Check it out today. Buyer responsible for Title V Certificate, Final water reading and smokes. Shed in back your also. Please note: Upstairs only doesn't include basement Square footage.

More Info on this Property | New Listing Alerts





Posted by Joe Kulle and Katie Riley on 11/10/2019

Buying a condo may seem like an uphill climb, particularly for those who are browsing the real estate market for the first time. Lucky for you, we're here to help you take the guesswork out of finding the right condo.

What does it take to locate a high-quality condo at an affordable price? Here are three tips that every first-time condo buyer needs to know.

1. Explore a Wide Range of Condos

The real estate market is filled with many first-rate condos, and the sheer volume of properties that are available may feel overwhelming at times. Therefore, you should allocate the necessary time and resources to find a condo that suits you perfectly.

Don't be afraid to check out several condos over the course of a few days or weeks. By doing so, you can better understand what you'd like to find in the ideal condo.

Of course, if you fall in love with a condo, you should be ready to submit an offer. That way, you can avoid the risk of missing out on a great condo that matches or exceeds your expectations.

2. Determine How You'll Pay for a Condo

Many property buyers get pre-approved for a mortgage, and for good reason. With a mortgage in hand, you'll know exactly what you can afford as you review the real estate market.

Meet with a variety of banks and credit unions. These lenders will be able to provide you with multiple mortgage options and respond to your financing concerns and queries.

Also, keep in mind that the price of a condo may extend beyond your monthly mortgage payments.

In many instances, condo communities have homeowners' associations (HOAs) in place that will charge monthly fees. Learn about any HOA fees in advance, and you'll know exactly what you'll need to pay each month to live in a particular condo community.

3. Work with a Real Estate Agent

No one should be forced to evaluate condos on their own. Fortunately, you can hire a real estate agent to streamline the process of finding a terrific condo.

A real estate agent with condo experience understands the hurdles that may arise during a condo search. As such, he or she will do whatever it takes to ensure you can get the best results possible as you look for the perfect condo.

For instance, a real estate agent will set up condo showings and keep you up to date about open houses. This real estate professional will even negotiate with a condo seller on your behalf, which means you won't have to worry about breaking your budget to purchase a stellar condo.

Employing a real estate agent enables you to get expert advice at each stage of the condo buying process too. Thus, you can receive instant responses to your condo buying questions at any time.

Simplify the process of buying your first condo – use the aforementioned tips, and you can boost your chances of acquiring a superb condo at a budget-friendly price.




Tags: Condo   Buying a home   buyer tips  
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Posted by Joe Kulle and Katie Riley on 11/3/2019

Are you having money issues? Well, you are not alone. Financial problem is something that affects everyone from time to time. When money is tight, and your mortgage is due, you might have heard this advice many times — " Take up a mortgage payment holiday" But before you do that, get this: taking a break from your mortgage repayment is not always the best idea. In this post, you will uncover all you need to know about mortgage payment holidays.

What is a Mortgage Payment Holiday?

A mortgage payment holiday is an agreement a person may reach with his/her lender permitting them to reduce or halt their monthly mortgage repayments for a specific period. The duration of this break can range from one month, six months or even a year. However, the length of the breaks depends on a person's financial situations and the terms laid out by the lender.

Who is eligible for a Mortgage Payment Holiday?

Most of the times, Mortgage payment holidays are offered by lenders when:

- If a person has accumulated a generous amount of credit via mortgage over-payments.

- If unforeseen expenses prevent a person from making repayments.

- If there is a change in the financial circumstance of a person.

When nursing the thought of taking a payment holiday, always remember you will need a decent history of your repayments, most times with no back payment due during the previous year of your mortgage.

The Good Side of a Mortgage Payment Holiday

It temporarily takes some pressure off your monthly expenditure until you get a new source of income.It is the best way to find your feet again instead of choosing to go into mortgage arrears.

The Bad Side of a Mortgage Payment Holiday

Even though you are not making mortgage payments, your remaining mortgage balance is still piling up interest.After the holiday payments, your mortgage repayments will be higher than they were before you took the payment holiday.Since it will affect your credit file, you might find it challenging to get credit.

A break from your payment might be a prudent choice if the only option is going into arrears. But don't forget the "bad side." If something confuses you about how to you will make a payment, then you will need to speak to your lender.




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