Must-Do Home Fixes Before Selling

Home service, repair construction. Fix house background

Selling your home can be an exciting process, to ensure a smooth and successful sale, it’s crucial to address any necessary repairs and improvements before listing your property. In this blog post, we will discuss the key home fixes that every seller should consider. By investing time and effort into these areas, you can increase the value of your home and create a better impression with potential buyers.

According to, it is important to differentiate between repairs and improvements. Repairs are necessary to maintain the current value of your home, while improvements are optional enhancements that can potentially increase its value. For instance, replacing old, worn-out carpeting would be considered a repair, whereas replacing carpeting that is in good condition with hardwood floors would be classified as an upgrade. Keep in mind that upgrades have the potential to boost your home’s value, while repairs prevent its value from declining.

 1. Structural, Electrical, and Plumbing:

Before putting your home on the market, it’s essential to ensure that the foundation is structurally sound. Address any issues with electrical wiring or plumbing to avoid potential problems during the inspection process. By proactively addressing these areas, you can provide buyers with confidence in the overall condition of your home and streamline the sale.

2. Heating and Cooling:

A well-functioning heating and cooling system is crucial for buyer satisfaction. Make sure that your HVAC system is properly maintained and serviced. Consider cleaning or replacing air filters, checking for any leaks, and ensuring that temperature controls are functioning correctly. A comfortable and climate-controlled environment will leave a positive impression on potential buyers.

Expert tip:

Whenever you need a pro to tackle your home reparations, don’t forget to take a peek at our Verified Vendors List for Cleveland. 

We’ve got you covered with top-notch professionals ready to make your home shine.

If you’re interested in selling your home, connect with one of our experts to begin preparing your home for the market.

3. Landscaping and Home Exterior:

First impressions matter, and the exterior of your home is the first thing buyers will see. Enhance your home’s curb appeal by tidying up the landscaping, mowing the lawn, trimming bushes, and adding fresh flowers or plants. Repair any cracks or damages to the driveway or walkways. A well-maintained exterior will attract buyers and create a welcoming atmosphere.

Read our 5 tips to enhance your curb appeal in Cleveland, Ohio.

4. Roof:

The condition of your roof is a significant concern for buyers. Inspect your roof for any leaks, missing shingles, or signs of damage. Addressing these issues beforehand will give potential buyers peace of mind and prevent any last-minute negotiations or delays.

Expert tip: 

Ensure you’re well-prepared with this downloadable home maintenance checklist to prevent any surprises when it’s time to sell your property.

Since you will have to disclose any concerns to potential buyers, it is essential to be prepared before these concerns arise. We highly recommend that all our clients have a home inspection conducted before entering the market. This will provide you with a comprehensive understanding of your house’s true condition and identify any necessary repairs.

5. Interior Paint:

A fresh coat of paint can do wonders for the overall appearance of your home. Consider repainting rooms with outdated or bold colors with neutral tones. This allows buyers to visualize themselves in the space and creates a clean and cohesive look throughout the house.

6. Kitchen and Bathrooms:

Kitchens and bathrooms are key selling points for any home. Evaluate the condition of your countertops, cabinets, and fixtures. Consider making necessary repairs or upgrades to enhance the aesthetics and functionality of these spaces. A modern and well-maintained kitchen and bathrooms can significantly increase the value of your home.

Read more in Home Renovations With The Highest Roi

7. Flooring and Carpets:

Inspect your flooring for any damages or signs of wear and tear. Repair or replace damaged tiles, floorboards, or carpets to create a polished and well-maintained appearance. Clean or hire professionals for deep carpet cleaning to eliminate any odors or stains.

Final Thought:

Preparing your home to sell requires attention to detail and a proactive approach. By addressing these essential home fixes before listing your property, you can increase its appeal, build buyer trust, and potentially maximize your selling price. Remember, a well-maintained home sends a strong message to potential buyers that you have taken care of your property and ensures a smooth selling process.

Contact The Young Team today to connect with an agent who will expertly list your home and effortlessly manage all the details of the selling process.

Sweet Success: The Young Team’s Pie Day Delight!

PieDay celebrations at The Young's Team Luxury Office

We are excited to share the joy and success of our recent Pie Day event! At The Young Team, we believe in creating meaningful connections beyond real estate transactions. This year, we:

  • Distributed 700 pies across three different pickup locations
  • Donated 50 pies to the local food bank
  • Collected over 1,000 donations for The Rescue Village shelter. 

Part of The Family

This year the response was so heartwarming, better than imagined. We not only celebrated the sweetness of pie but also cherished the bonds we’ve built with our incredible clients throughout the years of service in Cleveland, Ohio.

  “This was the most unexpected and welcome surprise. So nice to be invited to participate. And in all honesty, the Dutch Apple pie was the hit of our Thanksgiving Dinner. Many thanks to the Young Team.”

–Past Client

 A Thanksgiving to Remember

We initiated our day bright and early, aiming to bring joy and gratitude to the families who have entrusted their investments to us all across Cleveland with three locations: Moreland Hills, Rocky River, and Akron. The Young Team takes immense pride in working together to establish an atmosphere of appreciation for all our clients. 

“Top-notch service from everyone we worked with on the team throughout the purchase process of our home and everything regarding Pie Day. Notifications from ordering the pie, directions to pickup locations, and times were great; smooth, easy, and delicious!”

–Past Client

Give & Received

This year, we set out to make a difference. We decided to collect donations for Rescue Village, an organization that resonates with both our team members and past clients, at each Pie Day location. We could not believe the amount of support we received!

On Wednesday, November 22nd, our team delivered over 1,000 donation items to the animals, all thanks to our amazing clients! We have been collaborating with this shelter for our recent events, and this particular one has been remarkably successful. We extend our heartfelt gratitude to all our valued clients for making this generous donation possible. 

“We thought that it was very thoughtful and kind of your “Team” to include us in participating in “Pie” day this year, especially since you sold our house back in April of 2020. It is wonderful to know that we are still part of your family of past clients. Rescue Village is lucky to have you as one of their sponsors also. It was very thoughtful of you to collect donations for the cats and dogs of Rescue Village.”

–Past Client

The Phenomenal Success

Pie Day was not just about distributing pies; it was a celebration of gratitude, community, and the enduring connections we share with our clients. We extend our sincere thanks to everyone who participated and made this event a resounding success. At The Young Team, we look forward to continuing these traditions that bring us closer to our clients and make a positive impact on our community.

Our Immense Gratitude to All Sponsors

Thank you to our sponsors for helping make this year’s Pie Day our most successful yet! Be sure to check out all they have to offer.

Scher Dental Group  | DAG Automotive Group | Cross Country Mortgage | Principle Barbershop DriveDown | Cingel Landscape & Design | Keystone Home Inspection | Epic Insurance Center | Ohio Real Title | Kingdom Home Builders

The Must-Have Toolbox That Every Homeowner Should Own!

Plastic Tool Box with Tools

When owning a property, it is crucial to be aware that maintenance and repairs are integral components that can incur expenses, and having the right toolbox and equipment can save you some money in maintenance or simple repairs if you want to tackle DIY home projects. 

Whether you are an experienced DIY enthusiast or a beginner, having the appropriate equipment can make a significant impact. In this guide, we’ll help you create a toolkit that suits beginners and those looking into home improvement

Having a toolkit at home is crucial for several reasons:

1. Emergency Repairs:

Home emergencies can happen unexpectedly, such as a leaky faucet, a loose cabinet handle, or a power outage. With a toolkit readily available, you can quickly address these issues without waiting for professional assistance.

2. Cost Savings:

   DIY repairs and projects can save you money in the long run. Instead of hiring a professional for minor fixes, having the right tools empowers you to handle many tasks independently, reducing maintenance costs.

3. Convenience:

   A well-equipped toolkit at home eliminates the need for last-minute trips to the hardware store when a small repair or improvement project arises. This convenience allows you to start and finish tasks on your schedule.

4. Home Maintenance:

   Regular maintenance is essential to keep your home in good condition. A toolkit allows you to perform routine tasks like tightening screws, fixing minor leaks, and addressing wear and tear, contributing to the overall longevity of your home.

Read more: 5 Maintenance Tasks Every Homeowner In Cleveland, Ohio Should Know


We have selected the top choices on Amazon to expedite your acquisition of the essential toolbox. 

Homeowner Carrying Toolbox Outdoors from his home

Basic Toolkit:

Having the appropriate tools is crucial for homeowners and DIY enthusiasts alike. Whether you’re hanging pictures, assembling furniture, or undertaking home improvement projects, a well-equipped toolkit can significantly impact the outcome. Each tool serves a distinct purpose in achieving successful results.

1. Hammer:

   A classic tool that every homeowner should have. From hanging pictures to light construction, a good hammer is versatile and indispensable.

2. Socket Wrench Set:

   Ideal for assembling furniture, fixing loose bolts, and handling various mechanical tasks around the house.

3. Tape Measure:

   Accurate measurements are crucial for any home project. A tape measure is a fundamental tool for ensuring precision in your DIY endeavors.

4. Screwdriver 4 in 1:

   A compact and versatile tool with multiple screwdriver bits, eliminating the need for a cluttered toolbox. 

5. Level:

   Achieving straight and balanced installations is a breeze with a reliable level. Essential for hanging shelves, aligning pictures, and ensuring accurate angles.

6. Flashlight:

   Power outages and unexpected repairs can happen at any time. A reliable flashlight is a must for navigating through dark spaces.

7. Pliers:

Useful for gripping, twisting, and bending. Pliers are essential for various tasks, including electrical work and fixing minor plumbing issues.

8. Utility Knife:

   Perfect for cutting materials like cardboard, drywall, and carpet. A sharp utility knife is a versatile tool for many home projects. 

9. Duct Tape:

   A quick fix for a variety of temporary repairs. Duct tape can hold things together until a more permanent solution is implemented.

Certainly! Here’s a pro tip derived from the above information:


Pro Tip: Establish a Maintenance Routine
Maintaining your home is a proactive approach that can save you time and money in the long run. Set aside a day each month for a quick home check-up. Use your toolkit to tighten loose screws, inspect for leaks, and address any minor issues before they become major problems. This regular maintenance routine not only keeps your home in top condition but also allows you to enjoy the peace of mind that comes with a well-cared-for living space. Remember, a stitch in time with your toolkit can truly save nine in potential repairs! 

  Download our home maintenance checklist here  

Intermediate Toolkit – Elevating Your DIY Game:

Are you ready to enhance your home improvement skills? The intermediate toolkit is your gateway to confidently tackling complex DIY projects. As you delve into advanced techniques, these tools will help you expand your capabilities and handle different tasks. 

Let’s explore the essential tools that will empower you to approach projects with newfound capability and professionalism.

10. Tongue and Groove Pliers:

    Excellent for gripping, turning, and holding objects with irregular shapes. A valuable addition for plumbing and mechanical repairs.

11. Nails and Screws:

    Stock up on various sizes of nails and screws. Having a selection ensures you’re prepared for different projects.

12. Multi-Tool:

    Combining multiple functions in one compact device, a multi-tool is handy for different tasks, from cutting to opening bottles.

13. Allen Wrench Set:

    Essential for assembling furniture and tightening or loosening hexagonal socket screws.

14. Cordless Drill:

    Taking your toolkit to the next level, a cordless drill is a powerful and convenient tool for drilling holes and driving screws. You can also pair it with a cordless driver. 

15. Lubricating Oil:

    Keep your tools in top condition by lubricating moving parts. Also, useful for unsticking rusted or squeaky components.

16. Extension Cord:

    Ensure you can reach power sources from a distance. An extension cord is practical for outdoor projects or reaching distant outlets.

17. Toolbox:

    A dedicated storage solution keeps your tools organized and easily accessible. Choose a sturdy toolbox with compartments for efficient storage.


Final Outcome 

Building a good toolkit for homeowners is a gradual process, and having the right tools can save time and money. Whether you’re assembling furniture, fixing a leaky faucet, or tackling a more extensive home improvement project, these must-have tools will equip you for success. Invest in quality tools, and you’ll find that your DIY projects become more enjoyable and rewarding.

In summary, having a toolkit at home is important for addressing immediate needs, saving money, maintaining your living space, and empowering you to take charge of your home’s upkeep and improvement. It’s a practical investment that contributes to both the functionality and comfort of your living environment.


Other Resources:

  1. 4 Tips To Create An Environment Of Wellness At Home
  2. How To Make Your Curb Appeal Stand Out In The Greater Cleveland Are

Maximize Your Home’s Screen Appeal With These Simple tips

Female real estate agent making a online tour of a home via video chat

In the age of digital dominance, standing out in online searches has become crucial, especially in the realm of real estate. As we navigate the post-COVID-19 landscape, the listing experience has shifted to heavily relying on online exposure. In this blog post, we’ll explain the significance of online listing and provide valuable insights for sellers looking to make a lasting impression in the virtual world.

When considering the advantages and disadvantages of online listing today’s digital era, there are several key points to keep in mind:


One of the major advantages of buyers starting their home search online is the ability to expand your listing to a broader audience. By online listing , you can attract potential buyers from different cities, increasing the chances of finding the right buyer in less time. Additionally, selling a online listing provides convenience for buyers, as they can browse through listings and schedule tours at their convenience. Moreover, online listing platforms are often more cost-effective than traditional marketing solutions, allowing sellers or listing agents to save on advertising expenses.


However, it is important to acknowledge the drawbacks as well. One of the main concerns when selling a home online is the restricted physical interaction between the home and potential buyers. While online platforms provide virtual tours and detailed descriptions, there are certain elements to visiting a home in person that cannot be replicated in a digital format. Additionally, there is a possibility of misrepresentation, as the reliance on online information may not always provide a complete or accurate representation of the property.

Here are some of the recommendations we provide our clients at The Young Team to optimize and elevate the home’s online presence for maximum potential:

2. Declutter, Depersonalize, and Clean:

Before presenting your home online, establish an appealing ambiance by decluttering, depersonalizing, and ensuring pristine cleanliness. A well-organized and neutral environment enables prospective buyers to envision the property as their own.

According to Zillow, depersonalization is “removing items like family photos, collectibles and any other personal objects that say ‘This is my house’ to help potential buyers see your home’s features and imagine themselves living there.”

6 easy suggestions for staging your home to sell quickly

3. Enhance Your Layout for the Camera:

Gain a comprehensive understanding of how your home presents itself on camera. Strategically arrange furniture and decor to accentuate the finest attributes, guaranteeing an aesthetically pleasing layout that translates seamlessly through screens.

Don’t overlook the immense capability of virtual tours in offering potential buyers a comprehensive glimpse into the amenities and lifestyle your home has to offer.

Follow these 5 Must-Know Tips From Real Estate Photographers For Sellers to boost your home’s screen appeal 

4. Employ the Services of a Professional Photographer:

A picture holds tremendous value. Make a wise investment by hiring a professional photographer who can skillfully capture high-quality images that present your home most favorably. The quality of visuals greatly influences the perception of potential buyers.

Portrait of happy female real estate agent.


Seek an experienced professional in Real Estate Photography to boost your home’s screen appeal

Contact our incredible Real Estate team to learn how our in-house photographer can showcase your home in its best light! 

5. Explore Virtual Staging:

Virtual staging enables digital furnishing and decoration of vacant spaces, helping buyers envision the potential of each room. It offers a cost-effective approach to enhance the attractiveness of your home online.

6. Incorporate a 3D Virtual Tour:

Enhance the buyer’s experience with an immersive 3D virtual tour. With the help of this cutting-edge technology, buyers who have a busy schedule or live out of state can get a good sense of the home’s layout and will be more likely to submit an offer if they schedule a tour.

7. Write a Gripping Listing Description:

Create a captivating listing description that accurately showcases the distinctive features and advantages of your home. With meticulously crafted language, paint a compelling narrative that effortlessly resonates with prospective buyers. 

From the architectural design to the interior spaces, every home’s distinctive aspect must be featured in your property’s description. Whether it’s the breathtaking panoramic views, the state-of-the-art amenities, or the manicured gardens, every aspect of the home that would be considered a selling point to a buyer should be mentioned. 

8. Promote your home on online platforms and social media.

Maximize the visibility of your home by harnessing the power of various online platforms. By partnering with a top real estate team, sellers can take full advantage of popular social media platforms and third-party listing sites to reach a wide range of potential buyers. 

By leveraging a partnership with a top real estate team, you can significantly increase the chances of attracting interested individuals and ultimately selling your home more efficiently. Check out our simple guidelines to improve your marketing strategy for your home to get a glimpse at what we recommend to our sellers.

Bottom line 

To effectively stand out in today’s crowded digital marketplace, sellers must master their home’s online presence. By implementing these strategies, maximize your home’s visibility, capture the imagination of potential buyers, and embark on a successful journey into the virtual real estate world. As we adapt to the changing landscape of real estate in the post-COVID-19 era, these practices become game-changers for sellers.

It’s time to make a smart move and partner with The Young Team who knows the ins and outs of the real estate game.

Embark on the Journey to Homeownership with The Young Team

Happy young couple receiving the keys of new house while sitting at the real estate agent office.

The Young Team is your trusted partner in your journey to homeownership. We understand the significance of buying a home in Greater Cleveland, and we are here to guide you every step of the way. In this post, we will provide valuable insights and tips to help you confidently navigate the process in three simple steps. From obtaining pre-approval to planning for your future and understanding down payments and closing costs, we are committed to ensuring your homebuying experience is informed, exciting, and stress-free. 

Let us delve into turning your dream of homeownership into a reality:

 1. Get Preapproval: The First Step Towards Your Dream Home

To initiate your journey towards homeownership, obtaining a mortgage preapproval is of utmost importance. It not only provides you with a comprehensive understanding of your budget but also enhances your competitiveness as a buyer in the real estate market.

Why Preapproval?

Budget Clarity: Understand your purchasing power and establish realistic expectations.

– Competitive Edge: Sellers favor buyers with preapproved mortgages.

– Streamlined Process: Speed up the buying process when you find your dream home.

Pro Tip:

 Partner with a trusted mortgage advisor to explore the best preapproval options tailored to your financial goals.

2. Future Financial Decisions: Planning Beyond Your New Home

Owning a home is not just a milestone, but the beginning of a journey towards building a secure future. At our team, we strongly believe in guiding our clients to thoughtfully consider the broader financial landscape and make strategic plans that align with their long-term goals. 

By taking into account factors such as investments, savings, and retirement planning, we help our clients lay a solid foundation for financial success and peace of mind.

Think Beyond the Mortgage:

– Family Planning: Contemplate how homeownership fits into your future family goals.

– Investment Opportunities: Discover avenues for supplementary investments alongside your home, and assess your ability to make timely payments for your home.

– Budget for Expenses: Anticipate and plan for future expenses beyond the initial home purchase.

Pro Tip:

 Consult with a financial advisor to align your homeownership goals with your long-term financial strategy.

Watch Out For These Environmental Factors When Buying A Home In Ohio

 3. Down Payments and Closing Costs: Navigating the Financial Landscape

Having a comprehensive understanding of the financial aspects involved in purchasing a home is of utmost importance. The Young Team is dedicated to providing expert guidance and support throughout the intricate process of managing down payments and closing costs.

The Lowdown on Down Payments:

Financial Preparation: Ensure prudent financial planning by saving for a down payment that aligns with your budget.

Loan Options: Discover mortgage options tailored to your unique financial situation.

Decoding Closing Costs:

Budgeting: When planning your home purchase, it is important to take into consideration the inclusion of closing costs.

Transparency: The Young Team prioritizes transparency by clearly outlining all associated costs in collaboration with our mortgage partner, CrossCountry Mortgage.

Pro Tip:

 Work closely with our team to get a comprehensive breakdown of expected costs, ensuring a smooth and transparent transaction.

At The Young Team, we believe that your journey to homeownership should be informed, exciting, and stress-free. By considering preapproval, future financial decisions, and understanding down payments and closing costs, you’re setting the stage for a successful and fulfilling homeownership experience.

Ready to take the plunge? Contact us today, and let The Young Team turn your homeownership dreams into reality!

Useful Resources:

For more information about the home-buying process, including Tips to ensure the best deal and prepare to move to your new home, visit our blog.

Boost Your Credit Score: Achieve a Rapid Increase to 700!

Report Credit Score Banking Borrowing Application Risk Form

A solid credit score can unlock numerous opportunities, from your dream home to an investment property. Establishing a robust credit foundation is crucial. In this post, we will guide you through simple steps to effectively build and maintain an outstanding credit score.

Why is it important to establish credit?

Before we dive into the steps, let’s understand why having good credit is crucial. A solid credit score not only enhances your eligibility for mortgages and loans but also influences the interest rates you’ll receive. It’s a financial passport that can pave the way for your real estate endeavors.

How long does it take to build a good credit score?

Building credit is a gradual process, and the timeline varies for each individual. On average, it may take six months to a year of responsible credit behavior to start seeing improvements. 

What constitutes a credit score that is considered respectable?

A good credit score is a numerical representation of an individual’s creditworthiness, providing lenders and financial institutions with a quick assessment of the likelihood that a borrower will repay their debts responsibly. 

The credit score range commonly used is 300 to 850, with higher scores indicating stronger creditworthiness. Typically, a credit score of 670 to 850 is considered good, reflecting a track record of responsible financial behavior such as timely payments, diverse credit types, and a favorable credit utilization ratio.

With that being stated, let’s begin to break down different approaches  to improving your credit score: 

Open a secured credit card

One great way to begin your credit journey is by opening a secured credit card. It’s a responsible way to build credit since you use a secured deposit as collateral. Make sure to use the card responsibly—by paying your balances on time and in full each month—to maximize the benefits of a secured card.

It is imperative to highlight that opening a credit card is like acquiring a traditional loan in the short term that can be utilized and repaid monthly. Nonetheless, it is crucial to recognize that maintaining a contingency plan can have both advantages and disadvantages in certain situations. Therefore, it is important to ensure timely payment of your credit card balance each month to enhance your creditworthiness.

Become an authorized user

Becoming an authorized user is a valuable strategy, especially for those looking to establish or enhance their credit history. However, it’s essential to approach this step with transparency, communication, and a long-term credit-building mindset.

Commonly known as Piggyback, riding on someone else’s credit and becoming an authorized user on their account can help you improve your score. 

When you become an authorized user, you gain permission to use someone else’s credit card. However, as an authorized user, you are not legally responsible for repaying any balances incurred on the card. This arrangement allows you to benefit from the primary account holder’s positive credit behavior without the financial responsibility.

Pro tip:

Ensure it’s a trustworthy individual with a positive credit history.

Keep a low balance

By focusing on keeping a low balance on your credit cards, you not only enhance your credit score but also demonstrate to lenders that you are a reliable borrower capable of managing credit responsibly. This step, combined with other credit-building practices, strengthens your overall financial profile.

Strategies for Keeping Balances Low:

Regularly monitoring your credit card balances and setting up alerts for approaching credit limits can help you stay mindful of your credit utilization. Consider making multiple payments throughout the month to keep balances in check, especially if you use your credit card frequently.

Credit Utilization Ratio Explained:

The credit utilization ratio is calculated by dividing your credit card balances by your credit limit. For example, if you have a credit card with a $1,000 limit and a balance of $300, your credit utilization ratio is 30%. Keeping this ratio below 30% is generally recommended for maintaining a positive impact on your credit score.

Consistency is Key:

Consistently maintaining a low credit utilization ratio showcases financial discipline and responsible credit management. This commitment to keeping balances in check contributes to a positive credit history over time.

How many credit cards are suggested for a good credit score?

While the number varies, having a mix of credit types can be beneficial. Start with one or two credit cards and manage them wisely.

Set up automatic bill payments

Timely bill payments are essential for establishing a robust credit history. To ensure payment consistency, it is prudent to consider setting up automatic payments or reminders. Doing so can maintain a favorable credit standing while mitigating any potential disadvantages.

Request a credit increase

As your credit history improves, it is advisable to consider requesting a credit limit increase. This can have a positive effect on your credit utilization ratio.

Keep a savings account

Establishing a savings account demonstrates financial stability, which can indirectly impact your creditworthiness.

Open a second credit account

Diversify your credit portfolio by opening a second credit account, such as a different type of credit card. Follow these simple tips to choose the best fit for your credit:

How to select the ideal Second Credit Card

Are you looking to boost your cashback on fuel or groceries? Planning a new adventure and looking to rack up points or miles for every dollar spent? Fancy some hotel discounts or travel perks? Here are the top picks according to

Cash Back:    

Our recommendation is to start your research with cards that offer 1% or more cashback, which provides an excellent choice to use on gas, groceries, or any other purchase. 

Travel Rewards:

Consider selecting a credit card that provides mileage rewards per point or purchase. Look for cards that grant access to VIP lounges both domestically and internationally, enhancing your travel experience.

0% Introductory APR:

The Annual Percentage Rate (APR) is the interest rate applicable to any outstanding balance on your credit card. Certain credit cards come with variable APRs, meaning the rate can fluctuate, either increasing or decreasing.  Go for the ones that qualify for a balance transfer. Here are the top 13 credit cards with a 0% APR to consider, as recommended by CNBC.

Open a credit builder or secured loan

Experts like Experian recommend debating the choice between a credit builder loan and a secured credit card as strategies for building or rebuilding credit. 

The key differences between the two options fall into helping individuals make an informed decision. Both credit builder loans and secured credit cards are designed to assist those with limited or damaged credit histories. A credit builder loan involves borrowing a small amount, typically deposited into a savings account, with the borrower making fixed monthly payments. In contrast, a secured credit card requires an upfront security deposit, and the cardholder can use it like a regular credit card, with their payment history influencing their credit score. 

We advise readers to carefully consider factors such as their financial goals, preferences, and the potential impact on credit scores when making a decision between these credit-building options.

Sign up for free credit reporting tools

Stay informed about your credit progress by using free credit reporting tools. According to, regularly monitoring your credit report allows you to address any discrepancies promptly.

Monitoring your credit report is an essential part of maintaining good credit. You can request a free copy of your credit report from, which will show you all relevant information associated with your accounts, including total debt, payment history, accounts in collections, and more. Make sure to review it regularly for errors that could hurt your score.

Frequently Asked Questions (FAQs)

How often should I check my credit score?

  Regularly monitoring your credit is advisable. Aim for at least once a month to catch any discrepancies early.

Can closing a credit card hurt my score?

Closing a credit card may impact your credit utilization ratio, so consider keeping it open, especially if it’s your oldest account.

How long does negative information stay on my credit report?

  Most negative information, like late payments, stays on your credit report for seven years. Bankruptcies can linger for ten years.

To sum up:

A good credit score opens doors to favorable interest rates on loans, credit cards, and mortgages, making it a crucial factor in financial success and access to various opportunities. It serves as a testament to an individual’s financial responsibility and plays a significant role in shaping their ability to achieve important milestones such as homeownership or Real Estate investments.

Building a good credit score is a journey that requires patience and discipline. By following these ten steps and incorporating good financial habits, you’ll be well on your way to establishing a credit score that opens doors to real estate opportunities in Cleveland.

Read more than 1,000 5-star experiences on Google that have certified

The Young Team as Cleveland’s #1 trusted real estate team! 

Reach out to us today and find your perfect home!

Debunking 5 Common Myths Of Cleveland’s Real Estate Market

Man holding Myth and Fact balance

We are experiencing an unprecedented real estate market across the nation, which means there are some common myths and misconceptions floating around that can affect buyers’ and sellers’ decisions. In this blog post, we will debunk these misconceptions and explain what it’s actually like to navigate the current real estate market in Cleveland.

According to a recent Zillow survey of real estate agents, would-be buyers and sellers commonly have misconceptions about the future state of home prices, the probability of a bidding war, how fast their home will sell, and more.

1. Myth: The Asking Price is Non-Negotiable

One common misconception is that the asking price in a seller’s market is set in stone. However, negotiations still play a crucial role. Buyers may assume they have no room to negotiate, but understanding the market dynamics can empower them to make informed offers and secure a favorable deal.

We recommend buyers rely on an expert agent in their local real estate market to help them navigate writing an offer in a seller’s market. A local expert will understand all the intricacies of the area a buyer is looking in and will be better able to guide them to win the home they want. 

On the sell side, partnering with an experienced agent will play a huge role in the success of your home sale. An experienced agent will be able to walk you through multiple scenarios of how to sell your home based on current market conditions and buyer behavior. They will also help navigate difficult negotiations and guide you through to the final closing process. 

2. Myth: Homes Sell Themselves – Minimal Effort Required

While it’s true that homes may sell faster in a seller’s market, sellers can still focus on preparation and presentation. Quality marketing, professional photography, and staging remain crucial for attracting buyers and maximizing the property’s value.

According to Yoder Real Estate, in a seller’s market, where homes may sell quickly, sellers should not overlook the importance of preparation and presentation. Even though speed is an advantage, it doesn’t negate the need for quality marketing and staging. By investing effort into these areas, sellers can ensure a successful and lucrative transaction in any market condition.

Get your hands on our Home Maintenance Checklist now to prevent any unforeseen surprises when it comes to listing your home.

Button: Download it today!

Useful Resources:

5 Must-Know Tips From Real Estate Photographers For Sellers

Effective Marketing To Attract Potential Buyers

Sell Your Home Faster With Virtual Tours!

Pro Tip: 

“If you want to sell in today’s market, overcome the uncertainty in buyers and make sure to price your home correctly”

The Royal Gazette

3. Myth: Buyers Have No Say in a Seller’s Market

While it’s true that a seller’s market can be challenging for buyers, it’s important to remember that they still have a voice in the process. By staying informed about market conditions and trends, buyers can make strategic decisions and negotiate effectively. Additionally, partnering with an agent who has access to off-market opportunities can make a huge difference when looking for a home in today’s market.

With the right knowledge and guidance, buyers can navigate a seller’s market with confidence and find their dream home.

4. Myth: All Sellers Receive Multiple Offers

In a seller’s market, it’s not guaranteed that every property will receive multiple offers. While factors like pricing, condition, and location are still significant, there are other considerations to keep in mind. 

For instance, the property’s curb appeal, marketing strategy, and timing of the listing can also impact its desirability. Collaborating with a knowledgeable real estate agent can help sellers navigate these variables and determine the best approach to attract potential buyers.

5. Any renovation can be added to the Home Price:

When it comes to adding up renovation costs and setting the asking price, sellers often have a soft spot for the improvements they’ve made. However, it’s important to keep in mind that not every change will yield a significant return on investment. Sometimes, what may seem like a renovation is simply regular maintenance. If you’re curious about which improvements are worth considering, expect those fixes, and chat with your agent, who will advise you on which renovations carry the highest return on investment.

Useful Resources:
How To Make Your Curb Appeal Stand Out In The Greater Cleveland Area

Home Renovations With The Highest Roi

Key Takeaways:

  • Cleveland’s seller’s market offers exciting opportunities, but it’s vital to separate fact from fiction. 
  • By understanding and debunking these common myths, both buyers and sellers can navigate the market more confidently and make informed decisions. 
  • Stay informed, work with experienced professionals, and embrace the nuances of Cleveland’s dynamic real estate landscape, are your keys to a successful deal.

Home Selling: Steer Clear of These Common Mistakes!

Exhausted Young Woman Working on A home sale mistake in Front of Laptop at Home Office

Selling a home marks a key financial decision, demanding meticulous planning and thoughtful consideration. The repercussions of missteps in this process can echo far beyond the closing date.

 When it comes to the complex world of real estate transactions, avoiding common surprises is key. Join us as we dive into the details of selling a home, uncovering the mistakes to avoid for a smooth and successful sale.

1. Overpricing Your Home:

 It’s important to price your home strategically depending on your selling goals.  Pricing your home at market value or even slightly below it, can attract more potential buyers than if you were to price it above market value. 

Zillow explains the consequences of overpricing and provides tips on how to set a realistic and competitive price.

  • It deters qualified buyers in your price range.
  • It can make your home sit on the market longer. And the longer your home’s on the market, the less buyers feel like they need to put in an offer quickly.
  • If you end up having to do a price reduction, buyers will feel like they have extra negotiating power.
  • If your listing goes stale, you might end up selling for less than you would have if you had priced it appropriately from the start.

2. Neglecting Home Repairs and Staging:

If a home has a lot of maintenance issues, it can turn away potential buyers and even lower the value of the home. This is why it is a good idea to prioritize fixing the most obvious problems before going to market, especially the ones that are likely to come up during a home inspection (because most buyers want that inspection done before closing).

When we do home assessments, we keep an eye out for things that are broken, in bad shape, or could affect the safety, structure, or functionality of the home. These are some of the most common things we find that need repairs. If you’re getting your home ready to sell, use our home maintenance and repair checklist as you go through each room.

Some sellers may think about doing renovations or improvements to boost their home’s value before selling. But here’s the thing: renovations can be expensive, and you might not always get back what you put into them in the final purchase price. Plus, some buyers like to make their own renovations to personalize the space. 

So, if you’re thinking about doing any renovations, make sure you carefully consider if it’s really going to add value to your home. Additionally, we have curated a comprehensive list of home improvements with the highest ROI. This resource will assist you in identifying the projects that are most likely to enhance the value of your home.

3. Ignoring Curb Appeal:

As mentioned by, revitalizing your driveway and curb appeal not only improves the aesthetic charm of your property but also contributes to a welcoming and polished entrance that sets a positive tone for potential buyers. 

By prioritizing the upkeep of this often-overlooked area, you can create a more aesthetically pleasing first impression of your home both online and in person. Follow these 5 ideas to enhance the curb appeal of your home, and put your home exterior in the best shape for showings. 

If you need professional help with your projects, we’ve partnered with top contractors for home renovations in Cleveland, Ohio. Explore all the upgrades you can do with our Verified Vendors List.

4. Lack of Marketing:

With more than 20 years of experience, we have gained valuable insights into the role of marketing listings. In today’s digital age, online platforms and social media play a crucial role in reaching potential buyers. 

However, traditional marketing methods should not be overlooked. A comprehensive marketing strategy that combines both online and traditional approaches can greatly increase the visibility and appeal of a home, ultimately leading to a successful sale.

5. Inadequate Disclosure:

Investopedia explains the legal and ethical importance of disclosing all relevant information about the property. 

Do you want to ensure a smooth home-selling process? We recommend having a home inspection done before going to market. This way you can get ahead of any objections that may arise from the buyer once they order a home inspection.  

If an issue does arise from the home inspection report, here are three different ways to handle it: 1. Fix the problem beforehand.

2. Price the property below market value to account for it.

3. List the property at a normal price and offer the buyer a credit to fix the specific problem(s).

Remember, if you don’t address issues upfront, you may limit potential buyers who prefer move-in ready homes. This is another reason why it’s a good idea to have your home inspected before listing.

6. Forgetting closing costs:

One of the biggest mistakes when selling a home is forgetting to consider closing costs in the profits you’ll make. Closing costs for sellers can be as high as 8 to 10% of the sale price. 

Your overall closing costs include a few different items:

  • Commissions: It’s typical for sellers to pay a total of 6 percent of the sale price — 3 percent goes to the seller’s agent, and 3 percent goes to the buyer’s agent.
  • Transfer tax: Also called a title fee, this is the tax levied by your state. The rate can vary dramatically state by state, and also depending on the sale price of the home.
  • Title insurance: It’s also customary for sellers to pay for a title insurance policy for the buyer, which protects them from any liens or disputes over your home’s ownership. The cost can be between $1,000 and $4,000.
  • Escrow fees: An escrow service holds the funds throughout the transaction and pays them out appropriately at closing. These fees are usually split between buyer and seller and can cost between $500 and $2,000.
  • Prorated property taxes: You’ll be responsible for your home’s property taxes up to the closing date, which often results in a prorated charge at closing.

Among others.

7. Ignoring Professional Advice:

U.S. News emphasizes the value of seeking advice from real estate professionals, while others might be thinking of selling their home on their own to avoid commission fees. It may seem like a tempting idea, but you could be missing out on the valuable expertise, connections, and support of a real estate agent. 

Real Estate Agents and Realtors possess market knowledge and assistance that can make all the difference in a successful – and stress-free – home sale.

Let’s talk about numbers for a moment. Did you know that for-sale-by-owner properties tend to sell for a lower price overall? According to the National Association of Realtors’ 2022 Profile of Home Buyers and Sellers, FSBO homes had a median sale price of $225,000. On the other hand, properties sold with the help of an agent had a median sale price of $345,000. 

If you’re aiming to sell your home for its full market value, seeking professional insight is more likely to get you there. So, why not leverage the expertise of a real estate agent and maximize your potential profit? 

It’s time to make a smart move and partner with The Young Team who knows the ins and outs of the real estate game.

To Sum Up:

1. Pricing your home correctly is crucial for attracting potential buyers and achieving your desired sale price. Overpricing can lead to longer time on the market and lower offers.

2. Staging your home to maximize visual appeal is essential. Neglecting staging advice can result in missed opportunities to showcase the property’s best features.

3. Hiring an experienced real estate agent is important for navigating the complex selling process and getting the best price for your home in a timely manner.

4. Pre-inspecting your home before listing it can save you from potential headaches and negotiations later on, as it provides you with the necessary information to make informed decisions throughout the sale process.

First-Time Home-Buying: How To Reduce The Closing Costs 

Stacking dollars, Keys and inscription closing costs

Closing costs can be a significant financial barrier for homebuyers, often adding thousands of dollars to the final bill. Fortunately, there are various strategies to trim down these expenses. 

Closing costs are fees paid at closing, in addition to the down payment. Both buyers and sellers have closing costs, but how they are covered differs. Factors like loan type and state of residence affect total closing costs. For example, FHA loans and conventional mortgages have some variations in closing costs.

In this post, we’ll explore six effective ways to reduce closing costs, drawing insights from top sources like Cross Country Mortgages, Ohio Real Title, Forbes, and more.

Key Takeaways:

  •  Closing costs are a significant aspect of real estate transactions. By preparing yourself with the right expertise and employing effective strategies, you can effectively reduce this financial load.
  • Communication is paramount—express your concerns respectfully, provide rationale for your requests, and be open to compromise.
  • Research if you’re eligible for a closing cost assistance program or lender credits options

Don’t let closing costs catch you off guard—empower yourself with these six smart strategies for a more cost-effective homebuying experience.

1. Understand the Breakdown:

For first time home buyers, closing costs include one-time fees and initial installments of recurring costs alongside your mortgage. For example, you’ll pay the first year’s homeowners insurance premium at closing, and in subsequent years, it can be paid out of pocket or via an escrow account. 

Note that lenders and closing agents bundle closing costs differently, combining fees like recording, courier, and notary fees under an ‘administrative fees’ line item. This is why it’s crucial to get somebody of trust at your corner that guides you through the process and can get you a great deal. 

According to Ohio Real Title, the most common costs that buyers and sellers will face to close on the home include fees associated with the loan are paid by the buyer everywhere. The title fees are split between the buyer and seller, but the split does vary between regions. The owner’s policy of title insurance is split between the buyer and seller in Northeast Ohio and paid in full by the seller in Central Ohio.

Useful Resources:

What Is Earnest Money

Understanding Home Appraisal Costs: What You Need To Know

2. Negotiate Effectively: 

Negotiating effectively to reduce closing costs in a real estate transaction involves thorough research, strategic prioritization, and clear communication. 

According to Cross Country Mortgage, understanding average closing costs in your area will help tremendously when creating a budget and identifying which fees are negotiable. An experienced realtor in your area is an expert at guiding buyers through this  through this step as well. Here are a few of our expert tips:

  • Empathizing with the seller’s perspective—This will give you a competitive advantage when tailoring your negotiation approach. 
  • Communication is paramount—express your concerns respectfully, provide rationale for your requests, and be open to compromise. 
  • Obtain competitive quotes from different service providers—Outside of negotiating with the seller, you can also get a variety of quotes from different services providers,  like Ohio Real Title, when deciding which service provider to use at different steps of the closing process. See strategy 5 for more information on this topic. 

You may want to consider initiating discussions early in the process, but be mindful of the overall timeline to avoid delays. Seeking professional guidance, such as from a real estate professional or attorney, can be valuable if negotiations become intricate.

3. Leverage Your Loan Estimate: 

Cross Country Mortgage experts emphasize the significance of the Loan Estimate, a crucial document provided by your lender. 

Delving into the details of this estimate not only equips you with the knowledge needed to negotiate specific fees but also uncovers potential opportunities for cost savings. 

Understanding the characteristics of the Loan Estimate gives you arguments to make informed decisions during the homebuying process. 

Often mistaken for a mere pre-approval letter, the Loan Estimate goes beyond a preliminary financial overview. It provides a comprehensive breakdown of loan costs. Additionally, it’s essential to recognize that while a loan estimate is a detailed cost summary, it does not guarantee loan approval.

Following the receipt of a loan estimate, buyers can leverage this information to obtain quotes from other lenders, facilitating a comparison of rates to secure the most favorable deal.

As you embark on the pre-approval process, take a moment to familiarize yourself with the necessary steps and documentation, ensuring a smoother journey toward securing your ideal home


4. Explore Closing Cost Assistance Programs: 

   Bankrate highlights the existence of various closing cost assistance programs that could be available to you. These programs, offered by government agencies or nonprofit organizations, aim to alleviate the financial load associated with closing. 

According to The Ohio Housing Finance Agency (OHFA), organizations and nonprofits mostly offer programs around down payment assistance, career-related interest rate discounts & other loan products to make buying a home more accessible.

5. Shop Around for Service Providers: 

In the words of Cross Country Mortgage, buyers should shop for different service providers to compare costs and find an affordable option to save on closing costs.

The importance of shopping around for various service providers involved in the closing process, such as title companies and home inspectors. 

By obtaining multiple quotes, you can identify competitive rates and potentially negotiate lower fees. 

This approach requires some time and effort but can result in substantial savings.

6. Consider Lender Credits:

   About the concept of lender credits, this is a strategy where the lender covers certain closing costs in exchange for a higher interest rate. This option may be particularly appealing for those who prefer to minimize upfront expenses. 

On the other hand, you can opt for a lower interest rate with the option of the temporary buydown program, very popular these days given that the interest rates are pointing towards 7% or even more. 

To help you make an informed decision, we encourage you to read:



Bottom Line: 

In summary, reducing closing costs involves effective negotiation, clear communication, and searching competitive quotes. Balancing these elements enhances your ability to successfully reduce closing costs and navigate the real estate transaction process.

You can approach the closing process with confidence, armed with the tools to negotiate effectively and uncover potential savings. 

Purchasing a home is frequently the most significant investment of your life. So, when all the paperwork is done and the keys are finally in your possession, take a moment to celebrate! 

Get in touch with The Young Team now, and let them assist you in the  steps towards your new dream home.

For more information about the home-buying process, including Tips to ensure the best deal and Preparing to move to your new home, visit our blog.

5 Things to Consider Before Buying a Home in Cleveland

The image of a Real Estate Agent with a Home Keys and a House doodle

Deciding to buy a home is a monumental decision, but equally important is understanding what to expect when you enter the buying process. The home buying journey comes with a variety of different factors to consider, and it is crucial to take these into account for anyone thinking of buying a home in the near future. 

In this post, we are going to give a high-level overview of the top 5 things we advise clients to consider before buying a home.

1. Getting Pre-Approved Before Starting the Home Search:

   Before starting to search for homes, it’s essential to get pre-approved. This will give you a financial overview of what home you can afford and therefore streamline your home search.

Take a moment to explore the preapproval process and familiarize yourself with what you’ll need to get pre-approved. 

“A mortgage pre-approval refers to the process by which a mortgage lender decides how much money they’re willing to lend you for a home purchase. You’ll receive this estimated loan amount in the form of a pre-approval letter. This document isn’t an absolute guarantee but is meant to serve as a well-researched evaluation of your creditworthiness.”

CrossCountry Mortgage

Northeast Ohio offers various options when it comes to lenders, but at The Young Team, we confidently endorse Sean Hadley from Cross Country Mortgage. We encourage all our buyers to begin their home buying journey with the pre-approval process. If you are interested in learning how much home you can afford.

2. Research Your Desired Area/Neighborhood:

   One key consideration often overlooked is deciding what neighborhood you want to be in. If you are going on your home search alone, we recommend narrowing down to 3-4 suburbs you are interested in and research the characteristics of each to understand which will best suit your budget and lifestyle. 

If you’re unsure about which neighborhood is the best fit for you, we highly recommend reaching out to our knowledgeable team of real estate consultants. With a combined experience of two decades in serving Northeast Ohio, they possess unparalleled expertise in understanding Cleveland suburbs beyond what a mere internet search can provide. 

Let us guide you in your quest for finding the perfect place to call home. Their expertise will guide you in making an informed choice aligned with your preferences and financial considerations.

3. Partnering with an Experienced Realtor:

   The importance of a seasoned realtor cannot be overstated, especially for those navigating the home-buying process for the first time. An experienced realtor brings invaluable knowledge to the table, guiding you through the entire process and ensuring you are well-informed. 

The collaboration with a professional Real Estate Agent who can educate you and mitigate potential surprises is key to make your home-buying journey smoother and more rewarding.

Expert Tip: 

  • Seek recommendations from friends, neighbors, or relatives who have had positive experiences with agents.
  • Utilize online resources, including social media and reviews, to identify local, active, and experienced agents.
  • Consider working with a Real Estate team who counts with specialized professionals for each step of the buying process. 
  • Read google reviews to understand what other people’s experience is working with them 

Take a look at why over 1,000 5-star experiences on Google have certified The Young Team as Cleveland’s top trusted real estate team! 

4. Budgeting for Closing Costs:

If you decide to partner with a Real Estate agent, they are trained to perform all the closing process on your new home and make a seamless transition for you. 

According to the expertise of Cross Country Mortgage, for the Greater Cleveland Area, the average cost of the entire closing process typically ranges from $5,000 to $12,500 when the sale price of a home is $250,000.

“In most cases, the buyer is responsible for closing costs, but this will vary depending on the agreement with the seller. That’s why it’s essential to factor the purchase price into closing costs, the home loan amount, and the other expenses when considering buying a home.”

Cross Country Mortgage 

Keep in mind that you can always negotiate with the seller the closing costs. That’s why we advise you to partner with a Real Estate Team, that assure you the best deal. 

The Young Team is recognized as the premier real estate team in Northeast Ohio, known for its established reputation and top-producing agents.

5. Staying Optimistic Throughout the Process:

   The home-buying process can undoubtedly be stressful, with moments of disappointment when a desired property slips through your fingers. However, maintaining a positive mindset is crucial.

With the right Real Estate Agent by your side and a resilient outlook, each setback becomes an opportunity for future success. 

Embrace the journey, learn from every experience, and trust that the perfect home is waiting for you.

Final Takeaway: 

  • As you navigate the decision of hiring a real estate agent, remember that the home-selling process is not just a transaction; it’s a journey. 
  • By integrating these essential tips and appreciations into your approach, you’re not only making a wise decision for your current home but also setting the stage for a smoother, more informed home-buying experience in the future. 
  • We recommend a well-thought-out budget to set the foundation for a successful and stress-free transaction.
  • Trust the process, stay informed, and let the expertise of a seasoned realtor guide you toward your next home.

All our valuable assets when it comes find you the perfect home:

  • Experienced Agents: Specialized in hyper-local markets & negotiations
  • Showing Partner: Ensures you never miss touring a house you want to see
  • Detailed Operations Team: Provides support and transparency throughout the closing processes.

You don’t want to miss out on the chance to find your dream home in Cleveland!

Useful Resources: 

What is a Loan Officer

2024 Conforming Loan Limits