In Louisiana, we have some funny laws. The ones related to naked homeownership after death can get pretty complicated. It can become pretty complicated knowing who owns the home after someone dies, especially here in Louisiana. Paul Rabalais helps me explain the meaning of naked owners in Louisiana and how these are the owners of the property are subject to the usufructuary’s rights. He will also cover the meaning of “usufruct”. the naked owners will become full owners at the end of the usufruct’s term or upon the death of the usufructuary family member. The naked owners are to receive the property or its replacement value at the termination of the usufruct. The naked homeowner cannot interfere with the lawful exercise of a usufructuary’s use and enjoyment of the property. After reading that you can see why it’s confusing for many people inheriting property after a death in the family member. This video covers questions like “Can the children kick a parent out their own home?” “Do you have to have a living trust?” and “Who owns the home after the death of a loved one.”
?If you’d like some more tips on buying your next home check out my buying a home playlist here. https://bit.ly/2sw5Pu1
?If you don’t want to miss any tips on buying and selling your home so you don’t leave money on the table at a closing time click here https://bit.ly/2sHfDRr
?To look for properties in the Baton Rouge and Ascension Parish area click here: https://goo.gl/Pfi9W9
?To read my blog visit yourrealestatewhisperer.com
?To Send Mail: Kristina Smallhorn PO BOX 1271 Prairieville LA 70769 #yrew
Kristina Smallhorn – Your Real Estate Whisperer ExP Realty llc. kristina.smallhorn@exprealty.com, info@yourrealestatewhisperer.com eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817 225-246-1812,Office (225) 412-9982 ext# 149 Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918
Disclaimer: All images and additional video segments contained in the Thumbnails and/or B-roll segments are used in strict compliance with the appropriate permissions and licenses required from https://pixabay.com and in accordance with the YouTube Partner Program, Community guidelines & YouTube terms of service. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you.
What Is Title Insurance | Is Title Insurance Worth It?
What is title insurance | Is title insurance worth it | Title insurance explained
How Title insurance works, it’s a form of indemnity insurance that protects the holder from financial loss sustained from defects in a title to a property. The most common type of title insurance is the lender’s title insurance, in which the borrower purchases coverage only to protect the lender. Owner’s title insurance is often paid for by the seller to protect the buyer’s equity in the property and is available separately.
KEY TAKEAWAYS ➡️ Title insurance is a form of indemnity insurance that protects the holder from financial loss sustained from defects in a title to a property.
➡️ The most common claims filed against a title are back taxes that had been missed by a title company, liens (from mortgage loans, home equity lines of credit, easements), and conflicting wills.
➡️ A one-time fee paid for title insurance covers pricey administrative fees.
?If you’d like some more tips on buying your next home check out my buying a home playlist here. https://bit.ly/2sw5Pu1
?If you don’t want to miss any tips on buying and selling your home so you don’t leave money on the table at a closing time click here https://bit.ly/2sHfDRr
?To look for properties in the Baton Rouge and Ascension Parish area click here: https://goo.gl/Pfi9W9 ?To read my blog visit yourrealestatewhisperer.com
?To Send Mail: Kristina Smallhorn PO BOX 1271 Prairieville LA 70769 #yrew
Kristina Smallhorn, Your Real Estate Whisperer kristina.smallhorn@exprealty.com,info@yourrealestatewhisperer.com eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817 225-246-1812,Office (225) 412-9982 ext# 149 Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918
Disclaimer: All images and additional video segments contained in the Thumbnails and/or B-roll segments are used in strict compliance with the appropriate permissions and licenses required from https://pixabay.com and in accordance with the YouTube Partner Program, Community guidelines & YouTube terms of service. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you as a buyer.
Every home buyer is looking on the internet and using apps to search for homes. There are some pros and cons of home buying apps and we will be looking at the five top apps for home buying to check for accuracy, function, how it looks and any special features that stand out. The top 5 apps we will be looking at are Zillow, Realtor.com, Redfin, Homesnap, and Trulia, since these are the most popular home buying apps on the market today. We will use one test subject home that’s is for sale in Ascension Parish to see how this listing shows on each app and if the information is the same or differs from each.
Regardless of your feelings personally to these companies they do have a place in the home buying process, each had its plusses and minuses but to really get the best, accurate and up to date information, you will still need to contact a licensed real estate agent to get a full detailed report. These apps are a great tool for a home buyer, but they still can’t replace the knowledge of a professional real estate agent when it comes to knowing a neighborhood, how sellers will react to certain offers and the market how it stands right now in your area.
? If you want to know more about another app homeowners are using you will want to check out this video ➡️ https://youtu.be/CK0L44gIY4s
❓To Ask Me Any Real Estate Related Question Or If You Are Looking For A Realtor In Your Area You Can Email Me @ info@yourrealestatewhisperer.com.
?Hate Emailing?, Just Call Me ☎️@ 225-246-1812
➡️If you’d like some more tips on buying your next home check out my buying a home playlist here. https://bit.ly/2sw5Pu1
➡️If you don’t want to miss any tips on buying and selling your home so you don’t leave money on the table at a closing time click here https://bit.ly/2sHfDRr
➡️To look for properties in the Baton Rouge and Ascension Parish area click here: https://goo.gl/Pfi9W9
To read my blog visit yourrealestatewhisperer.com Kristina Smallhorn, Your Real Estate Whisperer kristina.smallhorn@exprealty.com,info@yourrealestatewhisperer.com eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817 225-246-1812,Office (225) 412-9982 ext# 149 Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918
There are 5 top fears that home buyers have when buying a home that can cripple them from even making a home purchase at all. I will cover some of the biggest fears that home buyers face and show you how to overcome those home purchasing fears so you won’t be too scared to buy a home. These are the top Five Home Buying Fears we will cover:
Fear Of Value Loss
If you saw the collapsing home values of 2007-2009 you saw many families and homes that go into foreclosure making homes in neighborhoods plummet as fast as they went up in value, in some areas it went lower than the boom and took years to recover, so the fear of losing value in your home is real.
So how do you combat this fear, When working with clients that have this fear I ask them to pick a home they like in their budget, this doesn’t have to be the exact home they arepurchasing just one can use as an example, and I make a full report showing them the properties value since the big housing crisis of 2007 where the home value dipped and what the home value is now, In our area of Baton Rouge it’s clear to see that anyone who bought a home during that time and was able to hold on to it since then has gained a significant amount of money and this hold true for many other areas around the country.
You can ask your real estate professional for reports like these on any home you are interested in so you know you are making a smart financial decision.
➡️The 5 Home Buying Fears Covered In The Video Time Stamps
Some people see shows on HGTV of buying a great foreclosure or auction home and flipping into a home o6f their dreams but that’s after the investors sunk into a whole lot of money with unforeseen issues prior to purchasing the home. Getting a great deal on a home usually means you will be purchasing a fixer-upper in one-way shape or form. Whether it’s just some new paint and carpet or adding a new roof and fixing foundation issues.
If you are thinking of purchasing a home like this but are scared of the costs there are few things you must do prior to signing on the dotted line,
1. Make sure you have at least a 10 day inspection period so you will have enough time for the next two things I am going to tell you will need to do.
2. Hire an inspector to go through the home with a fine tooth comb have them review the report with you at the property so you can see for yourself the issues they found,
3. Find a couple of very good general contractors with lots of reviews and previous customers and have them meet you at the property to give you an estimate of the cost of repairs. ( Don’t go cheap with your contractor sometimes cheap contractors equals cheap looking work)
h4. once you have your bids in hand estimate an extra 10% for unforeseen issues or problems that might pop up.)
Fear of Buying When You Could Get a Better Deal-
This is one that has crippled some buyers. Years ago I worked with a couple who would go from house to house putting in purchase agreements well below asking price hoping that the sellers would take their offer.8 months and 14 purchase offers later they got stuck in a situation that forced them to buy a brand new home they weren’t really happy with but since their rental lease was up and the landlord was unwilling to extend there lease they had to buy “something” all the other homes they had lowballed were long gone.
I know everyone wants a deal, this is a great time to really have deep conversations with your real estate agent about the homes comparable value to others in the neighborhood. If the market is super hot you are most likely not going to be getting a lowball offer accepted but if you are in a market that sellers are willing to negotiate that it doesn’t hurt to test the waters. When you make an offer that’s below market value write in the offer how you came up with the sales price for the house, explain in great detail why you feel its worth that amount and not what the asking price is. I have used this to get offers accepted by sellers in the past even including repair estimates from companies to support the offer.
Fear Of Mortgages & Mortgage Payments-
Everyone has heard horror stories of people getting in way over there head and bought home that made them “house poor” where the homeowners could purchase the house and not much more than make house payments, or you may have heard about a mortgage package that could have saved you on making a large down payment after they have already purchased a home. Before you have mortgage remorse be sure to meet with several mortgage lenders and discuss all the loan packages that will fit not only for your best interest rates but also your monthly budget as well, make sure you factor in regular maintenance costs of your future home also renewals on termite contracts, HOA fees and extensions to home warranties if you chose to.
Fear of Buying won’t be as safe as renting-
Every housing market is different when it comes to the cost of renting in comparison to owning. Buying wins hands down here in Ascension Parish. Currently, you can buy a 3 bedroom 2 bathroom, 1300 square ft home for about $180,000 that’s less than 10 years old.
Mortgage Monthly cost maximum loan Mortgage amount
180,000$Interest rate (%) 4.5 ,Mortgage period 30 (years)
Monthly payments
$912, taxes 900 a year, and insurance is about 800 a year= estimated at $1054.00
Now for comparison you take that house you would pay $1350 a month in rent, never gain equity over the years and your rent always goes up as a mortgage payment always stays the same.
?If you’d like some more tips on buying your next home check out my buying a home playlist here. https://bit.ly/2sw5Pu1
?If you don’t want to miss any tips on buying and selling your home so you don’t leave money on the table at a closing time click here https://bit.ly/2sHfDRr
?To look for properties in the Baton Rouge and Ascension Parish area click here: https://goo.gl/Pfi9W9
?To read my blog visit yourrealestatewhisperer.com
CONTACT INFO: kristina.smallhorn@exprealty.com,info@yourrealestatewhisperer.com eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817 225-246-1812,Office (225) 412-9982 ext# 149 Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918
Welcome to 16394 ANNA BELLE DR In Prairieville Louisiana in the Ascension Parish Schoool district. This Meticulously Well Kept Home In Sought After Shadows Of Ascension, In The Ascension Parish School District. This one story home is over 2300 sqft that features 4 bedrooms and 3 full baths. You are greeted with an inviting front porch. Step inside to the large open great well kept room and kitchen with beautiful hardwood flooring, a gas log fireplace embellished with a granite, surround sound and built-in bookcases. The kitchen features 3 cm granite with a large kitchen island and two designer pendant lights, Personal coffee station, built-in microwave, single wall oven, built-in microwave, custom painted cabinetry, beautiful 1×2 subway tile backsplash, and upgraded 5 burner stainless steel gas cooktop. The formal dining area has ample room for entertaining and formal dinner parties. The large master suite is spacious enough for oversized furnishing and lets in loads of natural light. The ensuite modern master bath is breathtaking with its double vanity sinks, 3 cm granite, large soaking tub for relaxing, White painted wood cabinetry and spa-like stand-alone shower. On the opposite side of the home are three more bedrooms and 2 of the rooms share a jack n jill bath. All of the guest suites have large walk-in closets and are fully carpeted. There is also tucked away is a cozy bill desk. Finishing the inside of the home is a third full guest bath with painted cabinets and cool ceramic tile flooring. The backyard has an added covered patio, with beautiful fully matured landscaping, lush green grass, perfect for spending long evenings enjoying time with family and friends. This home also comes fully fenced, with an extended driveway and gutters have been installed.
☎️Call for your private showing today. 225-246-1812
?If you’d like some more tips on buying your next home check out my buying a home playlist here. https://bit.ly/2sw5Pu1
?If you don’t want to miss any tips on buying and selling your home so you don’t leave money on the table at a closing time click here https://bit.ly/2sHfDRr
?To look for properties in the Baton Rouge and Ascension Parish area click here: https://goo.gl/Pfi9W9
?To read my blog visit yourrealestatewhisperer.com
kristina.smallhorn@exprealty.com,info@yourrealestatewhisperer.com eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817 225-246-1812,Office (225) 412-9982 ext# 149 Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918
Swimming Pool – Baton Rouge Real Estate – Baton Rouge LA
This home for sale in Baton Rouge has a private swimming pool and grand views of the community lakes. Home is located in Shadow Lakes subdivision, As soon as you walk through the front door you know you are in a home that is special. Beautifully remodeled in a modern classic look is not one you will not want to miss seeing. Brightly naturally lit open floor plan, in soothing paint colors that remind you of a bright sunny day at the beach. The millwork and custom built-ins, that are throughout the home, giving it a warm and inviting feeling. The large formal dining area, off from the foyer, includes an arched window with plenty of light and ample room for all your guests, for a quiet sit down dinner. The kitchen has custom cypress cabinetry, newly installed cool-neutral toned tile, gas stove cooktop, separate pantry and large eating area that is currently being used as a keeping and eating room. Off from the kitchen is a custom high-end barn door feature, covering the laundry area, across from the laundry is a built-in computer desk with more cypress cabinets. Each of the large bedrooms is there own unique space with ample closet space for storage. The master bedroom with attached ensuite bathroom feels like you just step out of a vacation magazine, the tray ceiling has a custom remote control lighting to suit your own taste for lighting color, painted in cool relaxing paint colors and tile flooring. Master bath boasts, rich dark tile, stand alone shower, large tub, water closet, spacious walk-in closet, and modern color scheme painted cabinets. Exiting from the master bed is just one of the many ways that lead you to the sizable backyard. You’ll have a hard time wanting to leave with a scenic view of the community pond and your own private swimming pool. This is a custom designed home is one you will definitely want to see for yourself.
Call For your private showing appointment 225-246-1812
?If you’d like some more tips on buying your next home check out my buying a home playlist here. https://bit.ly/2sw5Pu1
?If you don’t want to miss any tips on buying and selling your home so you don’t leave money on the table at a closing time click here https://bit.ly/2sHfDRr
?To look for properties in the Baton Rouge and Ascension Parish area click here: https://goo.gl/Pfi9W9
?To read my blog visit yourrealestatewhisperer.com
The Most Festive Home For Christmas (homes for sale in Gonzales, Louisiana)
Looking for a Christmas home just in time for the holidays? Once upon a festive Christmas home, There was a home for sale in Gonzales Louisiana. This open floor plan garden home for sale sits in a quiet one street community.
As soon as you go on this Christmas fairytale you will notice the gourmet kitchen with custom built cabinetry, slab granite counter tops, gas stove, and a large island/breakfast bar. Crown molding throughout the home gives it a classic feel. Master suite includes a 6’ jetted tub, separate shower, and water closet, double vanity and with a spacious walk-in closet. The extra large bedrooms have great closet space and fresh neutral paint. Tech Shield radiant barrier in the attic with decked area for extra storage space. Plenty of room for two cars in the garage. Move in ready as the previous owners have just painted throughout the home. The backyard is fully fenced and bigger than the typical garden home, Home is located at 41067 Garden Court Gonzales, LA 70737
For Full Details Of This Home ? https://myre.io/0DF4lp65Z9h78
For Questions On This Home Or Any In The Baton Rouge Or Ascension Parish Area:
☎ DIRECT: 225-246-1812
?EMAIL: info@Yourrealestatewhisperer.com
?Other Listing Videos Playlist ? https://www.youtube.com/watch?v=i2BTsekmR9k&list=PLL2NpJzFd3btUKNf0Uw8eZRnVkhbhbTjZ
?If you’d like to watch more videos ?about buying a home?, here is a very useful playlist: https://www.youtube.com/playlist?list=PLL2NpJzFd3bsErmLFniI8wy2jC1309S9J
? Visit my blog to read more buying and selling home tips: yourrealestatewhisperer.com
?To search for homes in the Baton Rouge and Ascension Parish Area:
https://bit.ly/2OdQw1s
??If you don’t want to miss important tips real estate tips, please consider subscribing https://bit.ly/2MEztWK
?If you have any questions about buying and selling your home feel free to reach out to me at by email or any respectable time by phone?. All my contact information is listed below.
My name is Kristina Smallhorn, Your Real Estate Whisperer and I tell you all this “Because YOU Matter”
Cell 225-246-1812
EXP REALTY, LLC
2900 Westfork Dr.
Baton Rouge, LA 70827
225-412-9982 ext 149
info@YourRealEstateWhisperer.com, kristina.smallhorn@exprealty.com
yourrealestatewhisperer.com
Kristina Is a Licensed Realtor® with The Greater Baton Rouge Board of Realtors@ in the State of Louisiana. License #0912122918
Over the years I have seen many people make homeownership mistakes. These 5 tips when you own a home in 2019 will help you in the future when you are looking to sell your home. When it comes time to sell your home there are papers and other documents I ask my clients for and SO many times people have lost track of these items. I will cover what these papers are, that future home buyers are looking for and I will also give a great home money saving tip for EVERY year you live in it. These tips will help you maintain your home so you are a responsible homeowner and keep some cash in your pocket.
For referrals of TOP agents near you please email me directly at info@yourrealestatewhisperer.com
?If you’d like to watch more videos ?about buying a home?, here is a very useful playlist : https://www.youtube.com/playlist?list=PLL2NpJzFd3bsErmLFniI8wy2jC1309S9J
? Visit my blog to read more buying and selling a home tips: yourrealestatewhisperer.com
?To search for homes in the Baton Rouge and Ascension Parish Area:
https://bit.ly/2OdQw1s
??If you don’t want to miss important tips real estate tips, please consider subscribing https://bit.ly/2MEztWK
?If you have any questions about buying and selling your home feel free to reach out to me at by email or any respectable time by phone?. All my contact information is listed below.
?To Get #YREW Merch https://shop.spreadshirt.com/yrew-merch
Other resources for this video,
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My name is Kristina Smallhorn, Your Real Estate Whisperer and I tell you all this “Because YOU Matter”
Cell 225-246-1812
EXP REALTY, LLC
2900 Westfork Dr.
Baton Rouge, LA 70827
225-412-9982 ext 149
info@YourRealEstateWhisperer.com, kristina.smallhorn@exprealty.com
yourrealestatewhisperer.com
Kristina Is a Licensed Realtor® with The Greater Baton Rouge Board of Realtors@ in the State of Louisiana. License #0912122918
The walk-thru stage of home buying, The final walkthrough isn’t just to check if the sellers have removed all items from the home or check the condition. When a buyer does a walk-thru of the home they are buying, prior to closing, they may see some things they were not expecting, So its good to be prepared. In this video: I will be showing the perfect walkthrough checklist so you don’t forget anything by the time the sellers have handed over the keys and cover those things most people don’t even think about when they walk around one last time. Below the video, I will have a checklist PDF that you can download for free to take with you the day you do your walk-thru.
I know there are many factors that go through a sellers mind when they chose to sell their home “for sale by owner” or FSBO like some people call it but the statics don’t lie, according to the National Association of Realtors, less than 10% of FSBO’s actually sell. So why are there so many For Sale By Owner Fails? In this video/blog, I will cover the reasons why this happens and some tips to try to help those that elect to sell for sale by owner.
?Preparing The Home Correct To Sell It.
I know most sellers feel like they have seen enough on HGTV that they can stage a home without a stager, and sell a home without a realtor. I mean, they make it look so easy on tv, why can’t they do it themselves?
But the problem is that most people when selling For Sale By Owner list their home before its ready to list. I have had clients take up to a month to get everything in order before I would send out the professional photographer to take photographs.
There are some simple generic tips that should be followed by all FSBOs. I have made a useful playlist of videos to help also https://bit.ly/2xaztYk , Some of the most important pre-listing tasks that FSBOs should do before listing their home for sale include:
?Decluttering.
?Paint rooms.
???Professionally clean carpets and/or floors.
??♂️Complete any neglected repairs.
?Replace outdated light fixtures.
?Add Flowers and de-weed to make the home have curb appeal.
? Pricing and Zillow’s Zestimates
Many For sale by owner sellers do not understand the value of their home. They will rely on sites like Zillow with Zillow’s “Zestimates” to evaluate their home. The “Zestimates” have been known to either price the home too high which prices the home out of the market. Other “Zestimate’s” may price it too low, making some buyers curious to what could be wrong with the home when it’s priced so low. Most buyers won’t take the chance that the home is a good deal they’ll just move onto another property.
☎️ Listing FSBO on Zillow with Only Real Estate Agents Call.
Once a seller lists there home on websites like Zillow, and Trulia, they are inundated with calls from real estate agents working there call sheets but get little traction with actual buyers. The way these sites are actually set up they makes it difficult for the home sellers contact information. To be found by the average buyer searching, they tuck it lower down the page just past where all the real estate agent have paid for placement, even making the color of font and size smaller. Of course, real estate agents trying to work to get the listing they know exactly where to find these numbers, and that’s why the for sale by owner seller gets bombarded by those calls.
Not only does the phone ring from realtors, you get people calling at all hours asking questions about the home, its exciting at first but frustrating after a couple of weeks when the seller has 40 calls and no one actually coming to the home to preview it.
??♀️Who’s Entering your home?
Eager sellers want to show their home to anyone and everyone. It’s completely understandable, the more people that see it, the more likely you’ll get a buyer, right? An experienced REALTOR® knows how to screen for the right people to look at your home. There is no point of wasting your time shuffling your kids out of the house because someone’s grandma wants to see what wood flooring you put down a few years back with no intention of actually buying the home. REALTORS® know what documents to ask for and which ones are really not worth the paper they are written on. (Here is an example of the difference of pre-approved and pre-qualified, https://youtu.be/GGLvtVLPrFs)
? Selling with Pressure.
Many FSBO sellers will stay in there home to show it and rightfully so. The FSBO sellers will show their home pointing out features that either does not interest the buyer or make the buyers completely uncomfortable. After the showing is over they may ask the buyers for feedback which most buyers are uncomfortable in doing so in a face-to-face situation, in turn, the FSBO sellers really don’t get the feedback they really need to get the home sold faster.
??♂️Negotiations and Home Inspections.
When it comes to negotiations with inspections things can get really heated as I mentioned in my last video, Buying for sale by owner without a realtor https://bit.ly/2MvEKhV .FSBOs often believe that there is nothing wrong with their home which is why it’s upsetting when the buyer requests items to be corrected or fixed before moving forward with the transaction. This can often lead to the FSBO refusing to repair any items, which is a great way to scare away potential buyers. Sellers don’t want to give there home away and the requests for repairs seem absolutely ridiculous to them, This is when most sellers realize they should have gone with a professional REALTOR to handle the uncomfortable nature of discussing money and what will and will not be repaired.
Before you decide to sell your home FSBO, remember, the statistics say you have about a 10% chance of making that happen. If you decide you want to take on the challenge. Make sure you are aware of the above common reasons why For Sale By Owners fail. An FSBOs Seller who understands what the most common pitfalls are will greatly increase the chance that they have a successful sale.
?To search for homes in the Baton Rouge and Ascension Parish Area:
?If you have any questions about buying and selling your home feel free to reach out to me at any time by email or any respectable time by phone?. All my contact information is listed below.
Kristina Smallhorn is a realtor in the Greater Baton Rouge Area with EXP Realty LLC
My name is Kristina Smallhorn, Your Real Estate Whisperer and I tell you all this “Because YOU Matter”
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