Blog - Lori Blank & Associates

08

Jan

Real Estate

What to Ask About Insurance Before Falling in Love With a Home

When you find a home you love, it is easy to get swept up in the excitement. But before you picture furniture placement or favorite paint colors, it is important to understand what the insurance landscape looks like for the property. Homeowners insurance is not only required by most lenders, it also protects your investment, your finances, and your peace of mind. As real estate professionals, we advise buyers to ask key insurance questions early so they avoid surprises and choose a home that fits their long-term budget. Ask About the Home’s Insurance HistoryA home’s insurance past can tell you…

07

Jan

By Lori Blank

Real Estate

Small Smells, Big Problems, Odors Buyers Should Not Ignore

When you walk into a home, the smell is one of the first things you notice, even before you fully take in the layout or the finishes. Most buyers do not realize how much odors can reveal about a home’s condition. As real estate professionals, we encourage buyers to pay close attention to unusual smells, because even small odors can signal bigger problems hiding beneath the surface. Knowing which smells to take seriously can save you time, money, and future headaches. Pay Attention to Musty or Damp SmellsA musty smell is one of the most common red flags buyers encounter.…

06

Jan

By Lori Blank

Real Estate

Real Estate Considerations for Areas With Extreme Heat

Buying a home in an area with extreme heat comes with unique challenges that many buyers do not think about until after they move in. Hot climates can affect energy costs, home maintenance, long-term comfort, and even property value. As real estate professionals, we help buyers understand what to look for and how to choose a home that stays comfortable, safe, and cost-efficient in hotter regions. With the right preparation, you can make a smart purchase that supports your lifestyle and protects your investment. Evaluate the Home’s Cooling SystemThe cooling system is one of the most important features in an…

05

Jan

By Lori Blank

Financial Reports

What’s Ahead For Mortgage Rates This Week – January 5th, 2026

With the only notable item on the schedule being the release of the Federal Reserve minutes, which reflect the current stance of the Fed, virtually nothing has changed since the last rate cut. The Federal Reserve is expected to continue its wait-and-see approach. Primary Mortgage Market Survey Index 15-Yr FRM rates saw a decrease of -0.06% with the current rate at 5.44% 30-Yr FRM rates saw a decrease of -0.03% with the current rate at 6.15% MND Rate Index 30-Yr FHA rates saw no change for this week. Current rates at 5.85% 30-Yr VA rates saw no change for this…

02

Jan

By Lori Blank

Holidays

New Year Resolutions for Homebuyers and Homeowners

A new year is the perfect time to reset goals and make smart plans. If buying, selling, or improving a home is on your radar this year, the right resolutions can make a real financial impact. Here are a few realistic New Year resolutions that directly support real estate success for both homebuyers and homeowners: Improve Your Credit ProfileFor buyers, credit score plays a major role in loan options and interest rates. Even small improvements can lead to meaningful savings over time. Start the year by reviewing your credit report, paying down revolving balances, and avoiding new debt. For homeowners…

31

Dec

By Lori Blank

Home Buying Tips

The Five Signs You Are Financially Ready for Homeownership

Buying a home is a major milestone, and knowing when you are truly ready can give you confidence throughout the entire process. Many future homebuyers wonder if their finances are strong enough or if they should wait another year. The truth is that homeownership readiness is less about perfection and more about preparation. When several key financial indicators line up, you can move forward with clarity, confidence, and a sense of stability. You Have Steady, Reliable IncomeLenders want to see consistent income, and this is one of the strongest signs you are ready to buy a home. Whether you are…

30

Dec

By Lori Blank

Real Estate Tips

Simple Upgrades That Make a Big Difference in Resale Value

When it is time to sell your home, you do not always need major renovations to impress buyers. In fact, many small, affordable upgrades can create a big impact on your home's resale value. As real estate professionals, we often see buyers fall in love with homes that simply feel updated, welcoming, and well cared for. With the right improvements, you can boost your home's appeal and stand out in a competitive market without spending a fortune. Start With Fresh Interior PaintA fresh coat of paint is one of the most cost-effective upgrades you can make. Neutral colors help buyers…

26

Dec

By Lori Blank

Real Estate

How to Prepare Your Home Emotionally Before You Sell

Selling a home is not just a financial decision, it is an emotional one. Your home holds memories, routines, and milestones that make it more than four walls. When it is time to sell, those emotions can make the process feel overwhelming. As real estate professionals, we help homeowners prepare not only their property, but also their mindset. With the right emotional preparation, you can move forward confidently and make the transition smoother for your entire family. Acknowledge the Memories Your Home HoldsBefore you can detach, it helps to acknowledge what the home has meant to you. Walk through each…

24

Dec

By Lori Blank

Homeowner Tips

How to Create a One-Year Plan After Moving In for Repairs and Upgrades

Moving into a new home is exciting, especially when you cannot wait to make improvements that reflect your style and lifestyle. The challenge is knowing where to start. Many new homeowners feel overwhelmed by repairs, upgrades, and projects competing for attention. Creating a one-year plan helps you stay organized, avoid overspending, and prioritize the changes that matter most. As real estate professionals, we guide buyers through this transition so they can protect their investment and enjoy their home from day one. Start With a Full Walkthrough of the HomeBefore making any upgrades, take time to walk through the home with…

23

Dec

By Lori Blank

Real Estate

How Garage Size Affects Value More Than You Think

When buyers tour a home, the garage is often an afterthought, but it plays a much larger role in property value than many people realize. Garage size affects storage, functionality, lifestyle, and the overall appeal of a home. As real estate professionals, we often see buyers choose one home over another simply because the garage better fits their needs. Whether you plan to use the garage for parking, projects, or storage, its size can significantly influence long-term value and buyer interest. Understanding How Parking Space Impacts ConvenienceA one-car garage may seem fine at first, but daily life changes quickly when…