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Latest News Blog

It's getting increasingly colder out there as we head into the heart of winter. And if you haven't taken a moment to winterize your home, there's no...
So you’re getting ready to buy a home and you have noticed there are a few things you would really like to have fixed before you move in. The question is,...
It is so tempting to use flowery language to sell your home to potential buyers. But did you know that there are certain words that actually hurt more...
We all have well-meaning friends who want to help when we consider buying or selling a house. But friendship doesn't mean you should take their...
Many of us fantasize about clearing all the junk from our homes, to de-clutter and simplify our lives. Some take that thought further and flirt with...

Why Isn’t My House Selling?

You may think you've done everything possible to make your house look good, price it right and advertise its availability.

But if it takes a lot longer to sell than you thought, here are four possible reasons.

1. The price – Yeah, we went there. Sure, you've looked at comparable listings and set a price both you and your seller's agent feel comfortable with, but if it's been two weeks and there's been little to no movement, you have a problem.

Even though it's a seller's market right now, "that doesn't mean the sky's the limit when it comes to your listing price," says.

Design and location still have impact.

"If your home has a bad layout or is located in a bad location such as next to a school, on or near a busy street or bordering a liquor store," notes, "you're not going to get the same price as homes with a good layout and in a good location."

2. Your home needs some love – Although it's important to focus on the inside (things are clean, tidy and freshly painted), you also must assure your home has good curb appeal. After all, no one will see the inside of if they're not first attracted to the outside.

This doesn't have to cost a lot. "Pull weeds, trim the grass, plant a few flowers and perhaps paint your front door to make sure prospective buyers don't decide to drive away," says.

3. You don't take good pictures – The first impressions many potential buyers have of your home are the pictures you post online. Your photos need to be spot on.

"Before you take any picture, make sure your home has been properly de-cluttered, inside and out, and consider staging tips that will make the rooms appear larger," advises. "Pictures from your own iPhone will not impress anyone. Make sure all photographs are taken by professionals."

4. Your timing is off – "Houses tend to sell better in autumn or spring than summer or winter," according to” In the summer we are enjoying vacations and holidays. And in the winter, the cold and snowy weather can make it a less than appealing time to house hunt

Other reasons your house may not sell quickly:

• Your appliances are too old
• Your house doesn't smell fresh and clean
• You have the wrong agent
You haven't marketed it properly

Need help selling YOUR home? Contact Cassidee Reeve, a Top Producing Agent at NP Dodge today, 402.706.2901

What kind of a credit score do I need to buy a house? explains it this way, A higher number corresponds to higher creditworthiness, so a person with a FICO score of 850 is almost guaranteed to pay her debts, whereas a person with a 300 is considered highly likely to miss payments."

Obviously we would all like to be closer to a score of 850 than 300. The truth is that most people fall somewhere in between.

In fact, according to, "Credit reporting company Experian compiles averages credit scores for states from a sample of three million credit profiles, with scores range on a scale of 330 to 830. Minnesota's average score of 718 tops Experian's most recent list. The U.S. average is 687, with southern states typically reporting lower scores."

What does all this mean?

"A score of 500 qualifies you for an FHA Loan. Even so, more than 97% of all FHA loans went to people with scores above 620. Just because you qualify, doesn't mean you'll be approved, but if you exceed that 620 number, your chances are quite good," says

Having a higher score also means having to jump through fewer hoops according to, "For conventional loans, most lenders will look for at least a 620 credit score, but applicants would need to have a 660 credit score to land a better rate."

How can you improve your score?

  • Pay your bills on time
  • Pay off your bills
  • Only apply for credit when you need it
  • Try and keep the balances low on your credit cards
  • Rather than shifting debt around, pay it off
  • Check your FICO score at


Bottom line

Click here to find out what type of interest rate you can expect based on your particular credit score.

Set up your free consultation with Cassidee Reeve, a Top Producing Agent at NP Dodge, to get all your questions answered!

Do I need to put a down payment on a home?

You’re ready to buy a home but maybe you don’t have much money or any ready cash for a down payment. Should you still buy a home or wait till you have money to put down?

Veterans have the advantage

“If you’re a veteran, you might be able to get a VA loan with no down payment from the U.S. Department of Veterans Affairs (VA). In order to qualify for the loan you’ll need good credit, enough income and a Certificate of Eligibility from the VA,” according to

But what about the rest of us? explains, “There are zero down mortgages offered by the USDA (only in rural areas). You can also buy a HUD home for as little as $100 down if you use FHA financing.”

Different states often also offer a variety of options to assist homebuyers. Incentives differ depending on where you live.

In Nebraska, The rate for Nebraska Investment Finance Authority’s (NIFA) “First Home Plus loan program is currently set at 4.45%.”

According to their website, NIFA also offers an “Advanced Buyer Credit-2 (ABC-2) Loan Program, which enables participating homebuyers the ability to access a portion of their expected Federal Homebuyer Tax Credit at loan closing in order to pay down payment and closing costs related to the purchase of a home.”

“Nationwide, if you are a law enforcement officer, teacher, firefighter or emergency medical technician, you may also qualify for “The Good Neighbor Next Door” initiative, which offers HUD-owned single-family homes (one-unit) to eligible buyers at a 50% discount AND with as little as $100 down,” says

The bottom line reminds buyers, “If you don’t make any down payment, you will lack equity in the property until you begin to pay off your mortgage or until the home rises in value.”

In other words, you need to stay put for at least three but preferably five years or more. You will need that time to build equity in your home.

Have a question that wasn’t answered here? Set up your free consultation today with Cassidee Reeve, a Top Producing agent at NP Dodge. Call 402.706.2901

Six home improvement projects under $1,000

It doesn't have to cost a fortune to spiff up your house when you're getting it ready to sell.

Remodel the kitchen on a smaller budget recommends opting for a few budget friendly updates like simply replacing worn countertops with granite and giving walls a fresh coat of paint. Simply painting cabinets and attaching newer hardware will also give your kitchen a freshened feel without costing a fortune.

Swap your black or white appliances for stainless steel. To keep it affordable, advises finding, "a deeply discounted appliance at an outlet or local "scratch-and-dent" store — where almost-perfect pieces come with perfectly approachable price tags."

Brighten your space explains, "good modern lighting can make a room look larger and warmer. Thus switch out any old-fashioned fixtures and update them with new energy efficient models."

In order to save money on this project, select less expensive fixtures and be sure to figure in any costs associated with an electrician should you need one.

Start with a good first impression

You can add a new front door. HouseLogic says, "Steel doors, which can mimic many types of wood, typically run for $400 at big-box stores and offer the strongest barrier against intruders."

Modernize your bathroom

"For example, you can replace the toilet and sink- plus pay a plumber to install them for less than $1,000. Another possibility is painting the room, which can typically be done in one weekend," according to

Low-maintenance landscaping says there's no doubt, "that shrubs and colorful plants will add curb appeal to any home, but when shopping at your local garden center, make sure that you "think green." Purchase plants that are native to your region or plants that are drought-tolerant; these require less water and maintenance."

Take it outside

You can "expand both your living space and your home's value by building a small deck or patio of brick, natural stone or cement pavers. You can also update landscaping and add pathways to form outlying seating areas or hideaways in a yard of any size," explains

Need more ideas to improve your home before selling? Set up your free consultation today with Cassidee Reeve, a Top Producing agent at NP Dodge. Call 402.706.2901

Four Necessary Questions to Ask Your Seller’s Agent

There are so many details to consider when you sell your home. Your first step? Enlist the help of a seller’s agent who has your best interests at heart.


Here are four important questions to ask a seller’s agent or Realtor before you entrust the sale of your home to them.


1. How many homes have you sold in my neighborhood over the past year?


 “Ideally, you want someone with a track record in your neighborhood and preferably in your price range,” says.


“The more stats and data the agent is willing to provide (houses sold, prices, average sale to list price ratio, etc.), the more confident they are in sharing their expertise and their ability to sell your home.”


2. How and when will you communicate with me about the sale of my home?


Your seller’s agent should answer this question with a question: How do you prefer to be contacted, by cell phone or email?


As for how often, “Your agent should update you just about every day,” says.


3. What is your marketing strategy for my house?


According to, “A blend of online and offline marketing will reach a broader spectrum of buyers.” echoes this sentiment: “More than 90 percent of all buyers find their home online.”


And the most obvious question sellers often forget to ask?


4. How many homes did you sell last year as a seller’s agent? says be wary of those who explain away fewer sales by saying they give more time and personal attention to the sellers.


“Do you want to work with a Realtor who sells five homes a year or someone who sells 25? There is a reason why they only sell five homes a year.”


Have a question that wasn’t answered here? Set up your free consultation today with Cassidee Reeve, a Top Producing agent at NP Dodge. Call 402.706.2901


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