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5 Ways Your Yard May Be Scaring Off Potential Homebuyers

When you’re selling your house, you aren’t just selling your house. You’re also selling your shrubs, your tree with Dutch elm disease and potentially scads of crabgrass. If you suspect your yard is chasing away more potential buyers than it’s drawing in, consider these six landscaping missteps along with suggestions from real estate experts and gardeners to help spruce up your lot.

Your yard looks unkempt. It’s important to keep in mind that your yard translates into what the real estate industry calls “curb appeal.” You want potential buyers to like what they see on the outside of the home so they’re drawn inside. You may not have the money to create a Zen garden or plant an oak tree that can support a swing, but you can at least keep your grass mowed and edged properly.

“All beds should have fresh mulch, which is one of the best ways to get bang for your buck in terms of sprucing up your yard,” says Bill Golden, an Atlanta-based Realtor who works for Re/Max. “Overgrown shrubs should be trimmed, especially if they block the windows. This will not only help curb appeal but increase light in the home.”

He also urges sellers to rake and clear dead leaves periodically rather than letting them accumulate.

“And look up,” he says. “When making landscape areas leaf- and debris-free, start at the top. Clean the roof and gutters as needed, and then start on the areas below them.”

[Read: 7 Ways to Increase Your Home’s Curb Appeal .]

Your yard looks high-maintenance. It sounds crazy, but you can overdo your yard. “Buyers like to see beautiful landscaping, but if it looks like it’s too much to take care of, it could be a turnoff,” Golden says.

Rich Gloor, owner of Gloor Realty Co. in Oak Park, Illinois, agrees. He says English gardens were a fad for a while, and he was selling homes with front lawns overtaken by rich, beautiful flower gardens.

“It looks great at the beginning of the year when everything’s in place, but by [fall], it looks more like a prairie field,” Gloor says. Even when the garden is in full bloom, potential buyers may look at it and see a lot of work ahead for them, he adds.

Gloor says elaborate landscaping is less of an issue if the buyer is spending a considerable sum on the home. “If it’s a higher-end home, the buyer might not mind writing a check for a landscaping service,” he says.

Your koi fish pond may be a turnoff. A water feature can also repel buyers who are looking for a low-maintenance yard. “I think people associate water and ponds with a lot of work,” says Scott McAdam, president of McAdam Landscaping in Chicago.

Safety is another reason some buyers won’t be pleased. “A lot of parents are afraid little kids will fall into the pond and drown,” McAdam says. “In a lot of communities, it’s a requirement to have a fence around a pond, just as you have to have a fence around a swimming pool.”

Still, there’s a case for keeping the koi pond, Gloor says. “I had a buyer who recently fell in love with a house that had a koi pond. She hired a service for $60 a month to take care of it. It was a no-brainer for her,” he says. “I really think it depends what stage of life you’re in.”

[Read: 12 Home Improvements to Boost Your Home’s Selling Price .]

Your trees are too close to your house. Sure, those trees might give your home a cozy, wooded vibe, but they also hide your house and block the natural light when you’re inside the home, McAdam says. He recommends that trees be planted a minimum of 20 feet from your home to account for growth.

“The landscape should enhance the structure. You don’t want large plants concealing your home,” McAdam says.

But as a general rule, trees are good for the value of your home. For instance, a study published in February 2010 in the journal Landscape and Urban Planning concluded that homes with trees planted between the sidewalk and street sold for over $7,130 more than houses without those trees.

You aren’t taking your real estate agent’s landscaping advice. Since you’ve been living there forever, you may not notice the broken fence or that your untended flower garden is something of an eyesore. You may not be the best person to judge how your house looks to outsiders.

Gloor says a lot of clients have overgrown evergreen bushes. “They started off as little bushes but now are 10 to 12 feet tall,” he says. “They dominate and hide the house.”

This is a landscaping issue that’s easy to remedy, but “often home sellers won’t trim them down,” Gloor says. “They’ll say, ‘Well, the bushes have been like this for 30 years. Why would I cut them down now?'”

[See: 8 Home Remodeling Projects That Are Worth the Money .]

Because a future homebuyer probably won’t be as attached to the bushes as you are — that’s why.

Really, it comes down to this, McAdam says: “If your lawn is mowed and your flower beds are edged nicely and clean, it’s the same effect as seeing a perfectly clean carpet. It shows that somebody cares about the home.”

More from U.S. News

10 Tips to Sell Your Home Fast

10 Do-It-Yourself Home Projects You Can Finish in a Weekend

7 Reasons Your House Isn’t Selling

5 Ways Your Yard May Be Scaring Off Potential Homebuyers originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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