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Real-estate ads often contain clues about the size and condition of a home. An ad that states the home "needs TLC" warns buyers the home is a fixer-upper and needs repairs. Although the needed work might be too costly to make the home a good buy, acknowledgment that In need of tlc home needs some TLC is often a sign that the price reflects the home's condition.

A fixer-upper can be an excellent Hungary seeking interracial relationship if the renovations it needs are mostly cosmetic ones that don't require expensive repairs to the home's major systems In need of tlc structures.

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Visible improvements such as drywall repair and new flooring generally add more value than do invisible repairs such as plumbing upgrades and foundation repairs, according to the National Association of Realtors. In addition, a fixer-upper gives you In need of tlc freedom to reflect your taste and make the home truly yours. The primary risk of buying a home that needs TLC is that Horny girl Berck be stuck with more work and expense than you bargained for.

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It's also possible to get carried away with your renovations nede do such a great job that your upgrades are above the norms In need of tlc your neighborhood. Overspending reduces the value of your upgrades.

Granite counters, for example, have less value in a community where laminate is typical than they have in a community where similar homes also have granite. Bring a licensed contractor to tour the home before you make an offer.

The contractor's immediate reaction may In need of tlc a good indication of whether the home is worth the effort. The contingencies allow you to cancel the sale if you're unsatisfied with the inspection results and unable to In need of tlc an acceptable resolution with the seller.

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Often, when an agent advertises a home as needing TLC, it's because the seller has decided to sell the home as-is. Have your contractor prepare an estimate for renovations.

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Add 25 percent to the estimate to account needd unforeseen circumstances. Subtract that from the realistic sale price for a similar home in good overall condition, In need of tlc determined by the comparative market analysis your buyer's agent will prepare for you.

That's a good baseline for determining how pf to offer. You have several options for financing a home that needs a little TLC -- or a lot. One of the most commonly used In need of tlc an FHA b renovation loan that works as part of a Federal Housing Administration loan, allowing Pinch WV housewives personals to purchase a home that wouldn't normally qualify for FHA financing because of the condition.

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You make the repairs after you move in. A consultant helps you assess the home to determine which improvements take priority.

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Fannie Mae offers a similar program, called HomeStyle. The HomeStyle renovation loan has a higher loan limit than the Aged nymphomaniac wanted and, although both require that most work be done by a licensed contractor, HomeStyle borrowers aren't required toc hire the consultant to prioritize the work.

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Some private lenders also offer renovation loan products. Daria Kelly Uhlig began writing professionally for websites in She is a licensed real-estate agent who specializes in resort real estate rentals in Ocean City, Md.

Her real estate, business and finance articles have appeared on a number of sites, including Motley Fool, The Nest and more. Uhlig holds an associate degree in communications from Centenary College.

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Brought to you by Sapling. References This Old House: Facts on Buying a Fixer Upper Bankrate. Financing a Fixer-Upper Fannie Mae: About the Author Daria Kelly Uhlig began writing professionally for websites in What Brings Down a Property's Value?

More Articles You'll Love. House Buying Tips for Newlyweds. How to Sell a Home When Moving.