Preparing For Homeownership




Looking to buy your first home can be overwhelming!  With so many questions, purchasing a home can feel like an unrealistic goal.  I know firsthand how overwhelming it can feel!  When I was starting to study for my real estate license, I myself thought I would never own a home.  I understand the uncertainty.  What if the process of buying a home was not “scary”?  This is why I found it to be important to start a blog about what are the steps to buying!


I am excited to be working with the best Real Estate Company in Salina, Kansas – NextHome Pro Realty.  At NextHome, we know how important resources are and we want to share those resources with you!  Let’s start by having you ask yourself three questions.



Is owning my own home a goal?

Are my finances were they need to be in order to buy a home?

How much home can I afford?



As we all know, one question can lead to many others.  Maybe these questions do not seem so simple, but don’t worry,  I am here to assist!  Let’s take a closer look at these three questions.  

Do you see yourself owning your own home someday?  Is that part of your American Dream?  This can be reached by having realistic goals, receiving sound advice, careful planning and understanding the costs involving in purchasing your home.

Are your finances where they need to be?  I know, getting your finances in order sounds yucky!  Yes, I know I said yucky, but knowing your financial status is a must!  Have you checked your credit reports?  I cannot stress enough how important your credit is when trying to finance a home.

Finally, how much home can you afford?  This is where an experienced housing counselor plays such an important role!  Making sure your credit report is accurate and removing any out-of-date or inaccurate information can help increase your credit score and you qualify for a lower interest rate.  Reaching out to a housing counselor is a great way to start your journey to homeownership.  Below are some resources to start you off on the right foot!

The Consumer Financial Protection Bureau is a government agency that focuses on giving consumers the information, steps, and tools that they need to make smart financial decisions.  They have several resources available to help you with the homebuying process.

Consumer Credit Counseling Service, Inc. – a non-profit HUD Approved Housing Counseling Agency.

Federal Trade Commission – a federal agency offering brochures and handouts to help with the homebuying process.



Smudging, Keeping You and Your Home Clean of Negative Energy

Everyone wants that fresh, crisp feeling in their home and in their head as though nothing has ever gone wrong and life is perfect. Unfortunately life happens and things don’t go the way we always want them too. Sometimes it knocks us down and we have to try and pick ourselves back up still feeling all of the negative energies these episodes caused left on or around us. Have you ever walked into a room and just felt the tension in the air or the feeling that something doesn’t feel right? Shaken someones hand or even just walked st them and felt yuck? That’s because anything, whether good or bad, leaves it’s energy to linger where it happened. Now none of us mind the good stuff but that bad, funky energy just drags us down and kills our good vibe.

One way I deal with this negative energy is by smudging. I smudge myself and my home often, even when things are good, to keep the energy clean and flowing. Smudging is a Native American practice of purifying yourself, another person or room with the smoke of sacred herbs. It is known to clear negative or stagnant energy from your within your field and allow the good stuff to enter. Your field can include your emotional, energetic, mental, spiritual or physical body as well as your environment.  Smudging gives you a refreshed clean feeling and a desire for a new start. So if you have been feeling overwhelmed, stuck, confused, sluggish or even just depressed give smudging a try, the results feel great.

Plants that are often used for smudging include:

  • Sage
  • Sweet Grass
  • Juniper]download
  • Cedar
  • Pine needles
  • Deerstongue
  • Tobacco

The smudging process involves a four-direction ceremony:

  • Clean your space of clutter and open windows and curtains to let in fresh air.
  • Light your herb on fire and fan the smoke clockwise around you and anyone else in the space.
  • Then in your space/home, start at the left side of the room and work you r way through the home fanning the smoke to the east, south, west and then north. Make sure to keep good intentions and welcome the good while getting rid of the bad while you are smudging.

You can also find smudging prayers online to help you with your process.

Good Luck and Keep Clean,


Cindy Buettner



What’s YOUR House Worth To You?

I understand the catchphrase “what’s your house worth,” but to me it means something more than just financial.  I want to know more about what your house is worth to you. Yes, we all need to know what our house is financially worth and you should find out whether you’re wanting to move or not. But…

  • What is it worth when it comes to your health, peace of mind, family, job, etc.?
  • How much work needs to be done on it? Is it safe for your family and health?                                                                     pexels-photo-197071
  • Is it big enough or small enough for your family and gatherings?                                                                                                                                 
  • Is it close enough to your job or would you prefer less commute time?
  • How do you feel about your house when it’s time to go home after whatever you’ve been doing?
  • Are you happy to be there or can you not wait to get out of there?

These are only some of the questions you should ask yourself and your family before buying or selling your home.  It’s a big decision and should not be based solely on a financial aspect. As the saying goes, “If it costs you your peace, it’s not worth it.”

And quit worrying about what you need to do to your house to sell it. A lot of the time there’s not near as much you need to fix as you think. Call a REALTORⓇ, call me, I can help you with all of those decisions. You already have enough going on in your  life  so wouldn’t it be nice to let me take on the stress of your real estate needs so you don’t have to?

Credit: Does it matter?

The first question that simply has to be addressed is: “How good is your credit?”  Everyone has a different answer about this; the importance of credit is unique to each individual.  Some are defined by their number, while others have a more “elastic” point of view.  And some see absolutely no purpose for its existence.  None-the-less, credit-worthiness is important to the home buying process.


That being said, it’s not elemental or vital, it’s just important.

Wondering if you have the credit to “fit the bill?”  We can help
you.   There are different strokes for different folks.  Some people can utilize superior credit-worthiness to propel themselves to very low interest rates, low mortgage loan interest amounts, or top-notch lender offers.  The rest of us must be prepared to bargain — and bargain hard.  Everything is negotiable; the price you pay for your home and the amount of monthly interest you pay!

NextHome Pro Realty is ready to offer you the latest and most up-to-date news regarding loan rates, special financing incentives, and creative loan packaging.  We give you the information you need and we put you in touch with the people who will help you realize your dream.   You expect expert guidance; we deliver with a flourish.

We are the Next generation in progressive & proactive real estate partnering and we want and need you to be successful and satisfied.  Stop worrying about your credit score and talk to us about your options!

Foreclosures: 101

Are foreclosures for you?

Have you been thinking about buying foreclosures?  Even if you are a seasoned pro, it is always best to have the assistance of a licensed real estate broker who has the experience and knowledge to see that you are not only the winning bidder, but also the happy owner of a property that will yield you maximum equity and profits.

Buying foreclosures can be a way to successfully build a portfolio of cash flow properties but the potential exists for multiple headaches and problems during the process.  Also known as HUD homes, bank owned properties, distressed homes and short sales, foreclosures are available to qualified buyers in most towns and cities of all sizes and even in rural areas far from larger communities.  Knowledge about the area and market valuations is of utmost importance when considering the purchase of a foreclosure.  Your broker can give you the necessary information to make wise decisions during the bid process.  Choose someone who has a great deal of experience in successfully closing similar transactions. Continue reading

Savvy Real Estate Investment

Should you hold a real estate property long-term?
For a savvy investor in residential or commercial real estate, it’s important to understand market cycles and the risks and returns associated with owning real property.  Many investors who purchase single and multifamily residential properties believe that buying and holding the property is the key to success.  It certainly can be for some, but for those with typical life changes, pexels-photo (4)unexpected trans-formative life events and family transitions, a better way to wealth could be an annual reassessment of property inventory along with an examination of present returns and future values.

Many factors can drastically change the value of a property over the long-term:  income tax restructuring, neighborhood decline, zoning changes, community development, economic change, and local government planning – to name a few.  Assuming that a property will hold its value long term and continue to accelerate in rental income is probably not the best approach.  An annual review with a real estate broker can target properties that may be in the danger zone and would be better sold and replaced with something else. Continue reading