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John Schutte

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Why should I hire a real estate agent?

by John Schutte

What value does a real estate professional bring to the normal consumer?  There are 4 things that I bring to the people I work for.

1) I will maximize the use of their resources.  Whether they are buying or selling, I want to help buyers be able to make the best purchase for the dollars spent and also help sellers maximize the sale price of their home.

2) I want to minimize my clients inconveniences.  We all know that buying a home or selling home is stressful.  No matter the situation, it is my goal to assist my clients through the process and make the transaction as smooth as possible.

3) I want to make sure that my clients work with the best people in the business.  With experience in the industry, comes a knowledge of which lenders to choose, what questions to ask a home inspector and what title insurance company to use.  The outcome may be the same no matter who you use, but the ease of the process is where I can add value. 

4) With 20 years of real estate experience, I can draw on that experience to reasure both buyers and sellers that they have made the best possible choice. 

If you are thinking of buying or selling your next home, I would love to visit with you about the process and the value that I can bring to you.  Contact me at JohnSchutte@kw.com or call or text (605)310-9440.

Should I Buy a Home Now?

by John Schutte

I'm often asked if this is a good time to buy a home. Some clients are concerned that home prices may fall further than they have already. They are assuming that the best course of action is to wait for the bottom in the market and then buy. The problem with this approach is that you don't know where the bottom is until you see it in the rear view mirror, meaning until you've missed it!

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

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John Schutte
4 Sale by Schutte - Keller Williams Sioux Falls
5915 S. Remington Place
Sioux Falls SD 57108
Mobile: 605.310.9440
After Hours: 605.334.4400
Fax: 605.275.0565