“Rachelle Cochran is a Rockstar Realtor! She is responsive, intelligent and results-driven from my first interaction with her over the phone, to our closing date. I highly recommend Rachelle for your home-buying experience.” -Sarah Verbeck ..read more

If you’re taking a look at your expenses as you retire, saving money where you can has a lot of appeal. One long-standing, popular way to do that is by downsizing to a smaller home. When you think about cutting down on your spending, odds are you think of frequent purchases, like groceries and other goods. But when you downsize your house, you often end up downsizing the bills that come with it, like your mortgage payment, energy costs, and maintenance requirements. Realtor.com shares: “A smaller home typically means lower bills and less upkeep. Then there’s the potential w ..read more

During the inspection period, the buyer has the right to hire a professional to inspect the condition of the home. The inspection is only for you to uncover any issues in the home that would have otherwise been unknown.  The standard home inspector's report can be 30-60 pages. It will cover the condition of the home's heating system; central air conditioning system; interior plumbing and electrical systems; the roof, attic, and visible insulation; walls, ceilings, floors, windows and doors; the foundation, basement and structural components. You will receive a written report of the inspec ..read more

Once upon a time, Formica laminate was the only option for kitchen countertops. Then, it fell out of favor with homeowners as granite soared in popularity. But as with many previous trends, Formica is back. In fact, Architectural Digest even ran a story on its re-emergence. So, Formica is actually cool again. But today’s Formica isn’t that shiny mid-century design you may remember. Now, Formica countertops come in patterns and edge options that make them nearly indistinguishable from real granite or marble — until you touch it. In recognition of the new interest in laminates, Formica Corporati ..read more

Attitude matters for financial success, particularly when it comes to creating and following a budget. Here are three common pitfalls that blow up budgeting:   ?Firstly, dismissing the importance of budgeting leads to overspending and debt accumulation - which leads to much more stringent budgeting. ?Secondly, a defeatist mindset, believing budgeting is too complex or unattainable, stifles progress. ?Lastly, procrastination delays financial planning, causing missed opportunities and increased stress.   Overcoming these attitudes requires a can-do mindset: acknowledging the significan ..read more

You can create an even better home for you and your family by decluttering and organizing your home. Follow these tips for easy and quick ways to de-clutter your home. 1. Keep items you use daily somewhere where they can be easily reached, whether that’s in a basket, on a shelf, or in a cabinet. Store everything that is used sparingly on a higher shelf or in the garage or attic. It will be easier to find what you need when you need it. 2. Add shelves: If your home is cluttered adding more furniture won’t help. Instead of adding a bookshelf or desk, add wall shelving. You’ll have room for books ..read more

Selling a home is an emotional event. You are leaving behind a house filled with memories and venturing off to someplace new. The people buying your home are excited to create their own memories in a home that you loved for so many years. Welcome them with a thoughtful gift that will leave a lasting impression. Here are some ideas for gifts to leave for your home’s new owners. Personalized Key Rings: Mark this milestone in the new owners’ lives by giving them a special key ring. Engrave it with their initials, the date of the move, or even a special message from you. Not only is this thoughtfu ..read more

Paying off debt and getting your credit card down to a zero balance can be a huge feat. But if you’re not careful, it can be too easy to get right back into the same predicament. Here are some things to do to stay financially healthy: Set a New Goal: If you don’t have one already, setting up an emergency fund should be your first financial goal. People who have saved enough money to cover three to six months of expenses are less likely to end up in debt again. And as you’re squaring away your emergency fund, make sure you also take a look at your longer-term goals like retirement. For example ..read more

As a home buyer, there are several common contingencies that you can include in your offer, but that doesn’t mean the seller is going to accept them. If a property has been on the market for several weeks, an anxious seller may accept multiple restrictive contingencies. On the other hand, the seller of a hot property that is newly listed and has already received multiple offers, is unlikely to accept many (if any) contingencies. Here are the most common contingencies: 1. Inspection Contingency An inspection period is often known as a “due diligence” period in most states. Home inspection conti ..read more

No matter which city in the Des Moines metro you’re house hunting in, you should have no problem finding a split-level house. But what is a split-level house? Simply put, a split-level house is one with staggered levels and an entryway or front door that opens in the center of the two levels.Typically, this means that, upon entering through the front door, you’ll be greeted by a staircase that goes up to the bedroom level and another that will take you to the basement area. Another easy way to think about split-level homes is that there’s no one floor that covers the house’s entire footprint ..read more