What Is Naked Ownership In Louisiana?

Are you a naked owner in your Louisiana home?

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.”

For More Videos About Louisiana Estate Laws and Planning Visit Pauls Rabalais YouTube Channel ➡️ https://www.youtube.com/channel/UCkYr…

For Paul’s Book For Estate Planning ➡️ https://amzn.to/2Ir49cy

🔴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

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Too Scared To Buy A Home In Ascension Parish

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 are  purchasing 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

➡️Fear Of Value Loss0:52

➡️Fear Of Buying a Money Suck2:51

➡️Fear of Buying When You Could Get a Better Deal5:01

➡️Fear Of Mortgages & Mortgage Payments- 6:28

➡️Fear of Buying Won’t Be As Safe As Renting- 7:52

Fear Of Buying a Money Suck

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

Home For Sale In Ascension School District

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.

➡️MORE DETAILS https://myre.io/0ZMOTQAQbzWLP

☎️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

Homes For Sale In Gonzales Louisiana, 41067 Garden Court Gonzales, LA 70737

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

5 Tips When To Make A Lowball Offer

Last week I told you about bidding wars (To Read That Article https://bit.ly/2LoaC7X ). This week I will be telling you when is the right time to lowball an offer on a home. This video will provide 5 useful tips to know when the perfect time is to lowball an offer on a house. There is often real estate lowball offer mistakes people make when making an offer and know how to construct your offer in a way not to offend the sellers by providing facts to why you made the lowball offer in the first place can be the reason why you win the deal of the century.

The first tip to consider if you are going to home buying with the idea you are going to lowball every home you make an offer on is not to be picky. DO NOT ask for items that are not important to the structure of the home, like washer, dryer, and refrigerator, Do not ask for lawn maintenance or items to be removed. Basically, you are purchasing the home as in the condition that it’s currently in and not anything more than that.

The second tip that can work in your benefit is knowing if the home you’re considering lowballing is grossly overpriced. Many sellers will have illusions of grandeur when it comes to pricing their home. If you can prove with comps that the home is overpriced to the seller they may see things your way.

Lowball Offer

The third tip that’s important to know when giving a lowball offer is to see how many times the home has been on and off the market within the last couple years. This could be a sign that the seller is in financial trouble and needs to get out. Check with your Realtor to see if the home has been put up on the sheriff’s sale website for delinquent payments or back taxes. This information could help leverage your lowball offer.

the fourth tip is to talk with the neighbors, neighbors love to dish out any secrets the sellers may not have disclosed that wouldn’t be pertinent to the structure of the home like a divorce, loss of a job or financial issues. Sometimes the neighbors can be the sellers biggest nightmare but a lowball buyers dream!

Neighbors helping with a lowball offer

The fifth tip is to take a good look at obviously outdated items in the home to leverage your lowball offer. If the carpet is old and smelly, the kitchen looks like it from the set of the Golden Girls and every room needs a fresh coat of paint add up the cost to have those items that need remodeled and show the seller why your lowball offer was made. This could be the tip that seals the deal.

I hope you found these tips useful if you like to watch more video tips on buying your next home, check out my home buying video 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 the 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

Copy of my FREE Ebook For Buying In Ascension Parish: https://goo.gl/ux3mYz

Your Real Estate Whisperer Kristina Smallhorn
Your Real Estate Whisperer For Ascension Parish, Kristina Smallhorn.

Kristina Smallhorn,

Your Real Estate Whisperer

kristina.smallhorn@exprealty.com,info@yourrealestatewhisperer.com

eXp Realty LLC,2900 Westfork Dr. Suite 401,Baton Rouge LA 70817225-246-1812,Office (225) 412-9982 ext# 149

Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918

Why You Don’t Always See A Sale Pending Sign.

 

It’s Take A Tip Tuesday, Do you Know Why you don’t see “Sale Pending Signs”? You may have driven up to a home recently only to find out the sale of the home is “pending”. What is a pending sale sign anyway? It just means the home has a contract that is waiting to close on the purchase. So why don’t realtors put the sale pending sign up? You want to know is the sale pending, right? The reason why most realtors don’t put the sale pending sign up is to capture possible leads in case the home sale falls through. There are many reasons why a pending home sale could fall through as an example, credit check comes back off from the application, the buyer has been let go of their job, one of the buyers on the loan has passed away or taxes were filed incorrectly, these are just some of the ways that a pending home sale could fall through. there are many other ways this was just an example. I know it can be frustrating for you as a possible buyer to be looking in a neighborhood and find the home of your dreams only to see the home with the for sale sign now has a pending contract. You may feel like the agents are just wasting their time not putting up the sign but we are trying to represent our sellers in the best way possible. If the pending sale sign goes up and the pending contract happens to fall through we have missed out on all those possible leads that could put in a contract or even a backup offer.

*I hope you found this tip useful if you’d like some more tips you can always visit my website at yourrealestatewhisperer.com 

*To View Properties For Sale, Click Here https://goo.gl/Aiwxjm

*To Get My FREE EBook On Buying Homes In Ascension Parish, Click Here https://goo.gl/ux3mYz

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Your Real Estate Whisperer Kristina Smallhorn "Because YOU Matter"
Your Real Estate Whisperer For Ascension Parish, Kristina Smallhorn.

 

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

Staging Your Home To Sell, Master Bathroom.

Staging a home when you are about to put it on the market can be a daunting task but it doesn’t have to be. If you can’t afford a professional stager there are some simple ways you can stage your own home when you are about to put it up for sale. This week, I show you how you can stage your bathroom with some super easy “pro tips”.

As I have shown homes lately in Ascension Parish and the Greater Baton Rouge areas, I have noticed that many homeowners haven’t highlighted the best features that sell a home, The master bathroom and kitchen are rooms that truly need to be the glowing showcase of a home since these are the areas buyers look for most. You want to get top dollar for your home when selling it, simple staging can help you with your goal.

In this video, Your Real Estate Whisperer (Kristina Smallhorn) shows how to showcase your master bathroom on a budget if you can’t or don’t want to hire a professional home stager.

If you like to see more tips for staging your home including how to remove the smell of dog urine out of the carpet (https://youtu.be/oxwrmie_nNg) be sure to subscribe and hit the notification bell so you won’t miss any of my tips for buying and selling homes.

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Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana in The Greater Baton Rouge MLS, license # 0912122918
eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817
Cell Number: 225-246-1812, Office (225) 412-9982 ext# 149

Your Real Estate Whisperer Kristina Smallhorn "Because YOU Matter"
Your Real Estate Whisperer For Ascension Parish, Kristina Smallhorn.