How the Epps-Elson Team Sold Ann’s Home

“Well our home got sold, that was huge. We had it listed a year ago and it did not sell. And we had a lot more traffic with Epps-Elson and ultimately our home was sold. So we were very pleased about that. The whole experience they were just extremely professional and helpful in any circumstance that we encountered. From listing, to selling, to inspection, to getting all that closed out. Cathy did a power of attorney so we didn’t have to return for the closing. So in general the whole experience was very positive. Our home was marketed well and as I said we had a lot of showings and so the outcome was what we hoped it would be.”

How the Epps-Elson Team Helped Jose Buy and Sell

“Well they were great, they were very helpful and they were able to work around the financing and get the house. Well on everything I felt they were right on point on providing recommendations. And at first when we were selling the house what to fix and how to prepare the house to sell it and then on the buying side, questions to ask. “

How the Epps-Elson Team Went to Bat for Steve

“We had a really good experience with Kevin, Kevin did a wonderful job for us. Our house took a while to sell, it was in a neighborhood where a lot of houses were selling but ours didn’t really have the open concept. But he stuck with it and just always made us aware of what was going on. And then he actually did a really nice job getting us into our new house, kinda talking to the builders about getting a better price, he really did an excellent job. Because we didn’t make as much as we planned on the house we sold I think he put a lot of effort, quite a bit of effort into convincing the builders to cut the prices and give us a better deal.”

How Cathy Used All of Her Resources to Sell Katie’s Home

“Easiest statement is we sold our house, yay! The results we got from them were we were able to get almost full asking price, it didn’t appraise for full, but we were able to get the most money that we could for the house through what was a pretty arduous process with the buyer that we had. They ran into a bunch of hiccups and challenges on their end and Cathy really went to bat for us and brought in her own resources to help out the buyer on their end so that the sale would go through for us. The results we got were just awesome customer service, she did everything she could possibly do to get the house sold and we really appreciated it all.“

How The Epps-Elson Team Became Shane's Go-To Real Estate Agents

“Kevin is incredible, I would never purchase or sell another house without seeing him first, period.  He definitely went above and beyond because we actually sold our house within three weeks. We went to purchase a new home we had some issues with a builder, he helped us with it. We actually defaulted on that home and built another one and he helped us through that whole process and never once batted an eye.  Always incredible, always there, ever needed to call him, contact him, he always got back with us. “

How The Epps-Elson Team Made Return Clients and Friends of Bill and Julie

“Very good, very personable, caring, honest, professional. They go above and beyond, I mean you can call them with anything. And really we became friends with them, they came to my 40th birthday party. They sold our first house right when we had our son and they continued to send us cards and stuff five years later. And then when we went to sell this house there was no doubt that was who we were going to use. I’ve called them for questions for my friends in the realty business and they’ve answered their questions and gotten some clients from me just from asking questions for my friends.  We absolutely love them”

What to Look for in a Buyer’s Agent


 Want to sell your Home? Get a FREE home value report.

We’re here with our buyer’s agent, April Fitzgerald, to answer: What do you need to look for in a buyer’s agent? Ultimately, you want to hire someone to fight on behalf of your best interests. They’re looking out for what you need and want.

When you hire us, we can connect you to our local database. With this real-time search tool, we can tailor your results based on your specific needs and interests. That way, you can browse listings through narrow results to conserve time. Otherwise, you’d be overwhelmed with properties, including those that don’t fit your requirements.



WE HAVE EXPERIENCED AGENTS TO WALK YOU THROUGH THIS PROCESS.


Especially in a market where homes are sold within a day, a buyer’s agent is up-to-date with the MLS. They know what to look for. For example, if they spot your dream home the moment it’s listed, they’ll call you right away! 

At the Epps Elson Team, we have experienced agents to walk you through this process. There is so much to keep track of between applying for a mortgage, negotiating an offer, and pursuing inspections. Additionally, when you work with us, you’re not just choosing one agent, but instead, a whole entire team. We’re available no matter what!

If you’re thinking about buying or selling a home in the surrounding Indianapolis area, reach us by phone or email. We’d be happy to serve you and answer any questions you might have!

You’re Invited to the Celebrity Softball Challenge


 Want to sell your Home? Get a FREE home value report.

We want you to save the date! On Thursday, June 9th, we are hosting in part the Celebrity Softball Challenge at Victory Field. It starts at 5pm and goes to about 9pm. It’s a great time to bring your family and friends, and admission is free. In addition to the game played by local celebrities, there will be games for kids and of course, the Home Run Derby.


We wanted to give you a heads up to circle Thursday, June 9th in your calendar! We hope to see you there. Warm up your mitt and come on out, because you might just catch a fly ball! For more details, check out the event’s website.

If you have any questions about real estate, reach our office by phone or email. We’d be happy to answer your questions!

What Are Buyers and Sellers Looking for This Spring?

 Want to sell your Home? Get a FREE home value report.

The spring real estate market here in Carmel has been very active. Inventory is down, demand is high, and homes have been selling very quickly, most with multiple offers.

However, not all homes have been selling quickly. There is a big difference between a house that is market-ready and one that isn’t. If you don’t get your home in good enough shape or if it’s not properly prepared, those homes are going to sit on the market. If buyers don’t like what they see, they will simply just go out and build a new home themselves. That’s the competition you are faced with. 



If you are thinking about buying a home, you are likely going to have to compete against multiple offers. Having an experienced agent can be very helpful, as they understand the proper verbiage to put into a purchase agreement that will help you beat out the competition.

Whether you’re buying or selling, we can help you out. If you have any questions for us, please give us a call or send us an email. We would love to hear from you.

Is the Value of Your Indianapolis Home on the Rise?

We were browsing the latest real estate news the other day and came across something that might interest you.
 
According to CoreLogic’s Equity Report, 256,000 properties regained equity in the third quarter of 2015. Anand Nallathambi, the President and CEO, expects home values to continue appreciating in 2016.
 
In fact, he predicts a 5% rise in home prices this year!
 
Obviously, this is fantastic news for Indianapolis homeowners. However, the problem is many people are unaware their equity has increased. A study conducted by Fannie Mae explains only 37% of Americans believe they have “significant equity.” In reality, 74% of homeowners have a great deal of value in their properties.
 
 
Essentially, 37% of homeowners have no idea how much their home is actually worth. Not only that: they are completely unaware that their home is worth more than they think!
 
We wanted to share this information with you today because you could be one of those people.
 
If you’ve been on the fence about making your move in Indianapolis, it’s time to reevaluate your situation and take advantage of your equity before market conditions change!
 
You can take a look to see if your home is worth more than you thought by following the link:
   
This is a free, no-obligation tool that will give you an idea of how much your home is worth. You may be shocked by how much value your home has accrued!
 
If you think now is the time to make that move, you can browse all the homes in our area for free here:

http://discoverindianapolishomes.com/a/tlx/search?landing=1&rgu=0
 
If you have any questions about how you can cash in on your increased equity, or if you need real estate assistance of any kind, we're always here to help!

What Do Rising Interest Rates Mean for Your Monthly Payments?

 Want to sell your Home? Get a FREE home value report.

Today, Albert Gonzales joins us to discuss the mortgage industry and where interest rates are heading.

When the Feds announced a rate increase in mid-December of 2015, they weren't joking around. Currently, 30-year fixed-rate mortgages are around 4%; we expect that to increase to about 4.5% throughout the course of the year. How might this affect you?

If you get a loan amount of $200,000, a .5% increase in interest rates will cost you $60 more a month in payments. This is an overall increased expense in interest to the tune of about $20,000 over the life of the loan. So, as you can see, even a normal jump in rates greatly affects your ability to afford a home.




If you're looking to refinance, there are a few ways to remove your private mortgage insurance. Given the equity you have in the home, you can have an appraisal done or, if you have had first lien and a second lien, you can roll both into one refinance to have only one monthly payment. Another thing to consider is reducing your term from a 30-year mortgage to a 15-year mortgage.

If you have any mortgage questions, don't hesitate to reach out to Albert at (317) 605-3383 or Albert.Gonzalez@Ruoff.com. Of course, if you want to see how much equity you have in your home so you can refinance and lower your monthly payment, give us a call or shoot us an email at any time. We would lo
ve to hear from you!

Pay Off Your Home Mortgage Early

Want to sell your Home? Get a FREE home value report.

When you pay off your mortgage early, you save thousands of dollars and shorten the term of your loan. It's really a simple process. All you have to do is make extra payments on the principle of the loan.  While this is easy enough, it can be hard to understand how paying an extra $100 a month saves you money and shortens the loan. 

We have a website called MortgageProfessor.com. We offer a mortgage calculator there. First, enter the current value of your mortgage, the current balance of the mortgage, the interest rate, and how many years are left on the loan. Second, enter how much extra money you can pay each month. The final number will show you how much money you save in interest and how many years you shave off the term of the loan.


For example, you might have a $200,000 house with a 4% interest rate. Paying an extra $100 a month saves you almost $27,000 in interest and knocks five years off the term of the loan!

As you can see, making extra payments on the principle of the loan saves you time and money. If you plan on selling your house in the next 4 to 6 years, you will have built up extra equity for your next home. 

If you have any questions, give us a call or send us an email. We would be happy to help you!