Archive for the ‘Home Buying’ Category

Three Things You Need to Do Before Even Considering to Buy a House

Three Things You Need to Do Before Even Considering to Buy a HouseBuying a house isn’t easy. It can be exciting, for sure. But it can also be overwhelming and stressful, especially if you don’t take the prosper steps to get your financial house in order before applying for a mortgage. Before you call a realtor or set foot inside an open house, there are three steps you must take to help ensure you don’t hit any major roadblocks on your way to home ownership.

Pull Your Credit Report

Before you ever call a lender, get a copy of your credit report and credit score. Look it over carefully to make sure there are no potential issues that you need to address. Make sure all accounts are actually your own, and that all of your personal information is correct.

If you see any mistakes, get them corrected immediately. If you have any “dings” against you for late payments or high balances, it could take a while to get them cleaned up. In the meantime, work on paying down all of your balances to improve your score.

Protect and Improve Your Credit Score

Home buyers must do everything they can to improve their credit score before they approach a lender for a mortgage. When you have a good credit score, you can get a good rate on a mortgage, and you will have more lenders and loan types to choose from.

Once you’re ready to start looking for a home, do not let anyone pull your account, do not apply for any new lines of credit or loans outside of your mortgage, do not close any of your credit cards or loan accounts (though you can pay them down to 0), and get all of your balances on cards and revolving credit lines down to 25% of the card’s limit. These are all things you can do to avoid dinging your own credit report before you buy a house.

When you pulled your report, you may have found some dings there already. Getting them cleaned up can be a headache. You have to make a lot of phone calls, fill out a lot of forms, and do a lot of waiting. And you have to do all of this while anticipating a home purchase. There are agencies who can help you do the legwork of repairing and protecting your credit. They may be able to take some of the stress out of cleaning up your credit report before you apply for a home loan.

Open a New Bank Account to Hold Your Down Payment

Closing on a new home is a long and stressful process. You don’t want it to be held up for technical reasons. For that reason down payment funds should not be kept in your regular checking account. Instead, open a separate bank account to hold these funds as soon as you’re ready to start looking. All transfers into your down payment account should be final and part of the collected balance 60 days before you close. Every transaction in and out of the account will be scrutinized, so it’s best to limit all deposits ahead of time.

A separate account also ensures you won’t be tempted to dip into your down payment to buy that new tech gadget or hot pair of shoes you see at the mall.

Choose the Right Partners for Your Journey

Having partners along the way is going to help you keep your stress level low as you look for a home. Your relator and your lender will be critical partners, but you’ll also want to consider working with a credit repair professional to help you improve and protect your credit score before you begin looking. Click here to learn more about how a credit repair company can help you before you even consider buying a house.

 

How To Stage Your Home To Help It Sell Faster

How To Stage Your Home To Help It Sell FasterWhen selling your home, it is essential that you not only price it to sell, but that you stage it to sell as well. Staging a home simply means putting your home’s metaphorical best foot forward by cleaning and decorating in a way that will appeal to buyers and get your home sold as quickly as possible. Here are six easy ways to do so.

Improve Your Curb Appeal

The outside of your home is the first glimpse of your home many people will see, and you want to make a good first impression. You can do this by trimming overgrown bushes, planting beautiful blooming flowers and hanging new Sunburst Shutters.

Banish Clutter

Too much clutter or too many decorations or collections does not add personality to a space. It simply makes your home feel smaller, and it distracts people from your home’s best features. While you do not want your home to feel bare, you should put away as many personal things as possible.

Open the Doors and Windows

Opening the doors and windows is another way to make your home feel more open and spacious. Open windows let in sunlight, which is a natural mood booster. Open doors encourage people to walk all through your home and see everything it has to offer.

Paint and Decorate in Neutral Colors

Even if you love decorating with bright, bold colors, chances are that the people living in the home after you will not. When trying to sell, it is vital that you decorate for the people who will be buying the house, not yourself. Neutral colors are the best way to appeal to a wide audience.

Add a Few Homey Touches

A few homey touches can make your home a warm, inviting place that potential buyers will want to make their own. Place a vase of fresh cut flowers on the counter and set your dining room table with your finest dishes and centerpieces.

Highlight Impressive Features

If there are any great features of your home that buyers should see, be sure to show them off. Clean out the screened in porch and set up a board game on the table. Clean the fireplace and place a few new logs in it.

 

Selling your home is all about making it appeal to buyers. Use the ideas on this list, check out a few magazines for inspiration and ask your friends for advice. If you stage your home correctly, it will sell in no time.

Six Things You Need to Do Before Moving Day

Six Things You Need to Do Before Moving DayPlanning for a big move to a new house is never a simple task, whether you are moving from an apartment or a 3-bedroom home. When you are interested in a new house and you are getting prepared to move there, completing a few tasks prior to the big moving day is a way to reduce stress and put your mind at ease.

Create a Checklist

Create a checklist of everything you need to get done before the big moving day arrives. You should include any materials and moving accessories you need to purchase in order to get organized. Be sure to include other tasks to complete such as changing utility bills over to your new location.

Organize Each Room Individually

Organizing each room individually is a way to lessen the stress you feel when it is time to actually begin moving. Organizing one room at a time allows you to stay focused and to get a clear idea of all of the items you have in each area of your current house, allowing you to visualize where to place them once you arrive at your new location.

Label Boxes

Label all of your boxes with specific rooms and locations you want the contents in once you have moved. You can also print labels with brief details of the contents that are inside of each box individually.

Keep an Inventory List

Once you have labeled all of your boxes and you begin packing, keep an inventory list. Having an inventory list is ideal if you are searching for items and belongings once you have arrived and you have yet to unpack.

Search for Professional Moving Assistance

According to the experts at Real Estate Los Angeles, search for professional movers with a moving company to save time while ensuring all of your items and furniture are handled and moved with care.

Switch Utility Bills and Other Paid Services

Switch your current paid services and utility bills over to your new address on the day of moving or up to a week in advance. You may need to call utility services at least a week in advance to have the services installed on the same day you plan to move to your new home.

When you feel better prepared for your big moving day, the process is much more likely to go over smoothly. Preparing ahead of time to move to the new house is a way for you to enjoy yourself while you get settled in to your new home.

Your Role in Making Your Home Moving Successful

Sold HomeHome moving is an exciting as well as very responsible task. It is important for you to be aware of the removal process and contribute properly to make it successful.

What Arrangements to Be Made Before Moving?

Once you choose to move to a new location, there are several tasks you have to complete before you move out. It is important for you to change the mailing address under your name before you move out as well as the disconnecting the utility supply in the current location and making arrangements.

Informing Your Change in Location

Before moving out, your personal doctor, attorney, as well as the other related firm such as bank, finance provider as well as your office should be acknowledged regarding your moving. It is important for you inform your change in location to your family, friends as well your neighbor regarding you change in location.

Packing and Organizing

Before you begin the packing process you have to clean and organize all your belongings to make the tasks simple and easy. With the removing of the clutter, and donating or putting the unused things to the sale, you can reduce a great amount of the load. Maintaining checklists for all the things that are subjected to packing is important to keep track of your things.

After collecting all the packing materials like bubble wraps, padding sheets, boxes etc. required for the packing process, you can start the packing. Beginning the packing with least used things can help you to reduce the chaos during the packing process. Completing the packing process perfectly is important to ensure the safety of your belongings throughout the process.

Arrangements for Children

If the change in location impact greatly to the distance from the children’s school, you have to make arrangements to switch schools which are close to your new location. Changing the clubs as well can be done before moving out if necessary.

It is important to make complete arrangements for the children for the moving day to keep the removal process stress free. Making the necessary food arrangements for the children on the prior day to the moving will help you to work on other things freely.  It is also best to keep an extra pair of clothes for the children, separately for them to use on the moving day, where all other clothes and stuff can be packed previously.

Hiring a Removals Company

A better option to make your house removal successful without spending excess time and money is to hire a reliable home removal company. Choosing the right removals company is important to ensure you have a safe removals experience. It is also important for you to consider whether the company provides you insured services to ensure the safety of your belongings. Considering several companies, that offer the services required by you at your comfortable time, and at affordable prices. Getting the estimation quotes from a few companies can help you to choose the most appropriate one.

Steven James is well experienced in the field of removals services. He shared his idea with you to make your house removals successful.

Achieving a Successful Home Relocation With Proper Planning

Woman businesswoman with boxes on whiteHome moving is an exciting event you can come across in your life apart from the removal process. Usually people decide it to be as one of the stressful tasks. But any task can be made simple and easy to achieve with a proper planning. In order to make your home moving successful it is important to plan your house removal in the most efficient way to make it successful. With a simple guide for planning you achieve the removals as you expect.

Choosing the Date to Move

Once you are determined to move to a new location it is better if you can choose the most appropriate date for the move, so that you have some time to prepare for the removals as well. Choosing a day where it least impacts all the work as well as the children’s education is important.

Early Arrangements

After deciding your moving date, with the available time you have to complete the major tasks that take more time. You can disconnect the utility supply in your current location and arrange them in your new location by the time you move in. You can also change the mailing address in the related firms, finance providers, banks etc. with the available time. Informing regarding your moving to your personal attorney, doctor etc. also should be done before you move out.

Tasks for the Removal

House removals include numerous tasks to make it successful. You have to make sure your new location is clean and well serviced, so it is ready to use. Before you start the preparation for the removal process, you have to list down all the tasks to ensure you complete all of them perfectly. Maintain a simple checklist of the tasks as well as the things are the best way to keep the whole process organized and under control.

Organizing and Packing

The best way to keep the removal simple is to first organize and classify all the things ready for the move. Cleaning all the wastes, clutters can reduce a great load. You have to dispose all the broken objects and donate the unused things to avoid from moving unwanted stuff.

You have to start the packing process at least a week before the moving day, to ensure that all your tasks are completed perfectly on time. Once you have the all the packing materials for various types of things, you can start the packing process, beginning with the least used stuff. You have to complete the dissembling and packing of the furniture at least a day before the moving day to avoid the last minute stress. Packing things of each room separately and labeling them will help you to reduce the chaos during unpacking.

Transportation

Hiring a reliable transport service is important to ensure the safety of all your belongings throughout the removal process. With the assistance of the hired men you can easily move your furniture and other belongings to your new location successfully.

With the experience gained over years by serving the removals and relocation services, Steven James has a good knowledge about home moving. He shares about the ways to make your home moving success.

 

Six Things Every New Home Owner Needs to Know

Six Things Every New Home Owner Needs to KnowFirst-time homeowners are often unaware of many aspects of home ownership. Owning a house is not like renting an apartment. The homeowner is responsible for all repairs and the safety of the people on the property. It can take some time to learn everything necessary about a house. Every new homeowner should know six important things.

Where Main Water Shutoffs Are Located

First-time homeowners should know exactly where the main water shutoffs are located. These shutoffs will stop all water from coming into the plumbing system. They are useful if there is flooding or a large plumbing problem. Homeowners should understand how to operate the shutoff valves as well.

Heating and Cooling Systems Need Annual Maintenance

The heating and cooling system in the home needs annual maintenance and inspections. Most people schedule maintenance in the spring or fall although two annual inspections will help. Regular maintenance keeps the system working efficiently throughout the season. It will also repair minor problems and dirty ductwork that can cause issues like poor air quality later.

Money Should Be Saved For Repairs

Every home will need repairs from a professional contractor at some point. This could mean repairing a roof, replacing insulation or repairing cracks in the foundation. New homeowners should start saving money immediately for these expenses. This will make it easier to have small problems repaired before they become major issues that affect the entire house.

Renovations Could Require Official Permits

First-time homeowners should know that renovations or additions to the home could require an official permit. This is often true of additions that expand the size of the house or the height of the home. It can also apply to new outdoor structures like pools or gazebos. The permits certify that the construction plan meets municipal standards and regulations.

Insurance Should Be Updated Regularly

Home insurance policies needs to be updated regularly. The changes should increase the amount of coverage provided in order to adjust for rising property values, improvements to the house and other new concerns. Maintaining the same policy could leave homeowners without enough money to cover repairs if an emergency occurs. With updated insurance such as what you can find with Homeowners Insurance in MA families can be confident that the policy will provide enough to cover necessary expenses in the future.

The Layout of the Electrical System

New homeowners should know the layout of the electrical system in the house. Homeowners should know where the main shutoff is for the electricity. It is also necessary to know what circuit breakers or fuses attach to what outlets. This increases safety and makes it possible to perform home repairs dealing with the electrical system.

 

Sell Your House Faster With These Five Decorating Tips

Sell Your House Faster With These Five Decorating TipsWhen you put your house on the market, you no doubt want it to sell quickly. The following five decorating tips can make your home more attractive to potential buyers. This will help you achieve the goal of selling your home in a timely manner.

The entrance

If the entrance to your home is not attractive, someone looking at your house may form a negative opinion before they ever get far enough inside to see your home’s good features. Your front door should be freshly painted and have updated hardware. The foyer of your home should be decorated in a welcoming manner. A minimal amount of furniture and a mirror on the wall will make the area look more spacious.

Clutter

Before you list your house, check out the options such as storage facilities in San Antonio to find one that is convenient for you. It is essential that you declutter your home before showing it. A storage unit provides a place for you to store items that are cluttering your home. A clutter-free home is more attractive and gives the impression that there is ample storage in the home.

Clean

Take a brief break from decorating your home to attract buyers and spend some time cleaning your home. Buyers want to see pristine bathrooms and meticulously clean kitchens.

Less is best

It is best to remove personal decor items such as family photos and collectibles. Take them to the storage center prior to having any prospective buyers come to your house. Leave a minimal amount of on-personal decorative items out and store the extras.

Light

Now that you have cleaned your home so that it looks spectacular, let the natural light flow through it. You may want to hang new window treatments if your current ones are not in good condition. Choose window treatments that will let light into the room. Add some lighting to rooms that have very little natural light. Update any fixtures or lamps that give your decor a dated appearance.

You do not have to do budget-breaking home improvement projects in order to make your home appealing to buyers. Buyers are looking for a house that is clean, spacious and that has sufficient storage. If your closets are organized and your home is clutter-free, it will appear to meet some of the requirements the potential home buyer is looking for. Keep in mind as you decorate, that simplistic elegance is more appealing than overly decorated rooms.

Going to Buy a New House? Stop!! Consider Some Points before Making a Purchase

new green homeProbably, you have the idea of building a new home and now you actually have the money to purchase it, but what should you look for when purchasing a new house? It is not going to be easy for you to buy a new home as there are several things you need to consider while making such expensive purchase. Though, it a daunting task, but your home-buying experience can be less stressful by knowing what you are looking for exactly. Obviously, buying a house is one of the biggest decisions of your life as you need to invest a huge amount of money in your new home acquisition so it is utmost important to make a smart and wise purchase. There are many factors that contribute to the overall cost of your new house, so take these factors into consideration that contribute to the new home prices.

Peaceful locality:

While purchasing a new house, you need to research the area where you wish to purchase the house. Your house locality should be peaceful and secure. For this, you can make inquiries about the area from your neighborhood. You should also investigate other factors such nearby schools, traffic, crime rates, public services, transportation facilities, etc. It will be the crucial part of your research. You need to ask residents about the area as they can give you a lot of valuable information and accurate advice on the locality. It will give you a clear idea on whether or not you should buy a home in that housing area. It is also important to purchase a house from a reliable seller because sometimes property dealers try to sell their property at an unfair price by be-fooling their customers. You should survey the market rates of houses in the area where you want to purchase your house.

Energy-efficient appliances:

Before getting too excited about the house, you need to inspect the home appliances as well. Home appliances are the most important requirements of your house you ought to understand, while moving to a new house. You need to check whether the appliances are Energy-Star rated or not. If the appliances are Energy-Star rated, you will find a blue sticker displayed prominently on the appliances. These smart appliances have less energy consumption as compared to the restricted appliances.

Electricity:

Electricity is another important component of a new house that should be considered. The quality of its installed electrical system should be reliable. You should investigate that the electricity of the new house should be proper an improperly installed or cheaply fixed electrical system might end up becoming a real threat to the safety of the home. Inspection of every switch, connection and socket should be done and it should be the top on every potential homeowner’s list of priorities. Along with the testing of the wiring, you should check all the electrical points for grounding problems. If any of the part requires repair, replacement or re-installation, ask the sellers before sealing the deal.

Plumbing:

Plumbing is an important aspect that one should consider while purchasing a new house. Often it is seen that people buy a house without inspecting plumbing services and then face a lot of problems like leaky faucets and burst pipes and try to fix these problems at home. Many times, piping work is done incorrectly and it cannot be spotted easily. Poor plumbing can cause the need for expensive repair work and sometimes most of the issues go undetected which implies that the problem never really goes away. Hence, before moving into a new house, it is even more important to take such issues into consideration.

Security:

The foundation of a house mainly depends upon its security which can make or break the shelter of a house. Apart from the style of the house, the amount of bedrooms, a modern kitchen, it is also essential to look for the security services. You need to do inspections of the windows, gates, motion lights, and security surveillance cameras while purchasing a new house. Along with these security devices, you also look for trusted security guard services and mobile patrol services as they are the backbone of your new expensive house.

Hence, purchasing a new house is not something you do on a regular basis so if you want to make this purchase a memorable experience of your life, you need to follow the above mentioned tips.

 

Five Housewarming Gifts to Give Your New Neighbors

Five Housewarming Gifts to Give Your New NeighborsA great way to introduce yourself to your new neighbors is to come bearing gifts. While it is not expected to bring a housewarming present, it can set the tone of your relationship. Extravagant or expensive gifts are not necessary. A little thoughtfulness and creativity can go a long way.

Essential Knowledge Giftbag

Moving into a new neighborhood can be stressful. In addition to setting up their home, your new neighbors might not know much about the area. Insight into good local restaurants, reliable babysitters, and amenities will help them feel more at ease in their new environment.

Start with a friendly note or card welcoming them to the neighborhood. If you know the rest of the neighbors well enough, draw a map of the homes around them and denote who lives where. Your new neighbors will appreciate having this name reminder in the future. If you’ve had a chance to observe whether they have children or pets, include the name of a reliable babysitter or a recommended area veterinarian. Give them a list of neighborhood details such as the contact for the neighborhood association, days for garbage and recycling pickup, and other neighborhood particulars such as the days for the annual garage sale. Last but not least, include take-out menus or flyers for popular local eateries or shops.

Food Gifts

One of things that is pushed to the backburner when unpacking a household is cooking meals. Your new neighbors probably don’t have much in the way of groceries yet. While it’s tempting to prepare a home-cooked meal, keep in mind that you don’t know their preferences or any possible food allergies they may have. A simple fruit, bread or dessert basket ought to be appreciated, but to make a special impression consider a more unique present such as themed-cookies. For those who are short on time or decorating skills, there are online businesses that offer unique and affordable options, such as Cookies by Design cookie delivery. They can make a unique Home Sweet Home cookie bouquet for your new neighbors.

Basket of Cleaning Items

Traditionally a broom was given as a housewarming gift. You can update that idea by delivering your new neighbors a basket or bucket of basic cleaning supplies. A roll of paper towels, some white vinegar and baking soda, sponges, polish, a lightly-scented candle, and a small broom with dustbin should be a welcome addition to any household.

DIY Tool Box

Think about all the little things you needed handy when you moved. Nails, picture hangers, and measuring tape are all essentials that are nice to have gathered together in one easy spot. Put these items in a large mason jar, bucket, or a small gift bag. Consider adding other helpful items like poster tape and felt pads for furniture feet. Some all-purpose screws, picture hanging wire, batteries, and even a mini sewing kit will have your neighbors thanking your resourcefulness.

Welcome Mat

You likely won’t know what style your new neighbors prefer for their interior design, but you are already familiar with the home’s exterior. Pick a simple but attractive doormat that fits the architecture and style of the outside of their new home. It’s a great way to make them feel settled and welcome.

 

Ten Things to Look for in a Family Friendly Neighborhood

Ten Things to Look for in a Family Friendly NeighborhoodMoving to a new neighborhood can be a lot of work as it is. But if you have a family, you’ll even need to do more due diligence before you decide on a neighborhood that will be perfect for everyone in your family. In order to help make your move a bit less intimidating and prepare you for everything you should be looking for, here are ten things to look for in a family friendly neighborhood.

Schools

If you have children who are in school, or will enter school during your time living at the home, make sure you do adequate research into the quality of the school district. This means checking test scores and placement numbers, as well as how current students feel with going to the school. Putting your child in the right school district will have lasting effects on their lives, so it’s important to make sure that they are happy and have the greatest chance for success.

Traffic

When looking at your potential new home, consider the amount of traffic and noise that is in the area. If you live in a high traffic area, it may be difficult for your children to play outside. Furthermore, if the area is always noisy, you may not get the rest and relaxation that you should from within the comfort of your own home.

Location

According to Cedar City Real Estate, before deciding if your new home is the perfect home for you, it’s also valuable to consider its location and whether or not it is perfect for you to live in. You want the area to be quiet and away from traffic, as mentioned above, yet still conveniently located and within close proximity to great activities to keep your family busy and entertained.

Sidewalks

Sidewalks are a good sign of family friendly neighborhoods. They tell you that it is a safe place, as well as an accommodating location, for children to walk and spend their time. Sidewalks also make it easier for children to walk to school, rather than doing so along streets or roads.

Bike Lanes

Bike lanes represent developed neighborhoods with activities on the mind. If a neighborhood has bike lanes, it’s a good sign that they are concerned with providing a well maintained neighborhood for those that live there.

Crime Rates

Crime rates are especially important, considering you will be living there with your family and you want to keep everyone safe. A quick internet search can tell you of the crime rates in your area, and the type of potential crimes that take place.

Public Services

Public services will give you an idea of what type of work and effort the city puts into your community. Look for well maintained areas with consistent trash pickup, possible community centers, pools and more.

Taxes and Fees

Taxes are likely to be higher in an area with great public services, but it is often worth it. On the other hand, you want to make sure that you aren’t paying an exuberant amount in taxes, if the location isn’t worth the price. Make sure you are paying taxes and fees that are logical with the location.

General Appeal

How do you feel when you go to your new neighborhood? Do you feel good and see yourself living there for many years to come? Does it look like a good neighborhood to raise a family in? These are questions you can ask yourself and if you are answering “no” more often than not, it may not be the best selection for your family.

Foreclosure and For Rent Signs

When looking into how you feel about the aesthetic appeal of the neighborhood, factor in the amount of foreclosure and for rent signs in the home. People coming and going in a neighborhood will lower the value of the area and make it less a desirable place to live. Be sure that the people who live in the neighborhood, enjoy living there and plan to be there for a while.

Moving to your new neighborhood can be a great opportunity for your family. But before you do so, make sure that you look for the ten suggestions on this list to assure that you are making the perfect decision for your new home and neighborhood.

 

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