RAMONA MICHAUSKAS's Blog
As you prepare to embark on the homebuying process, you may encounter a variety of homebuying myths. And if you believe these myths, the risk increases that you may be forced to deal with many problems along the homebuying journey.
Now, let's take a look at three common homebuying myths, along with the problems associated with these myths.
1. Buying a house is a quick, stress-free process.
The homebuying process may prove to be long and arduous, particularly for a first-time homebuyer. Fortunately, real estate agents are available to help you simplify the process of acquiring a top-notch residence at a budget-friendly price.
A real estate agent understands the challenges associated with buying a house. As such, he or she can help you identify and address these problems before they escalate.
Typically, a real estate agent will learn about what you want to find in your dream house and help you plan accordingly. With this approach, a real estate agent will ensure that you can enjoy a fast, worry-free homebuying experience.
2. Getting a mortgage won't take long at all.
There are many factors that will dictate your ability to acquire a mortgage that matches or exceeds your expectations. For instance, your credit score, income and outstanding debt will impact a lender's decision to provide you with a mortgage. And if you have experienced financial problems in the past, they may impact your ability to acquire a mortgage today.
It generally helps to get pre-approved for a mortgage before you enter the housing market. Because if you have a mortgage in hand, you can narrow your house search.
Also, it may be beneficial to shop around for a mortgage from several banks and credit unions. If you explore all of the mortgage options at your disposal, you can select a mortgage that suits your finances perfectly.
3. The first home that you see in-person likely will be the house that you'll end up purchasing.
The homebuying process offers no guarantees. And if you expect to buy the first home that you view in-person, you ultimately may be disappointed with the final results of your home search.
Oftentimes, it is a great idea to check out a wide range of houses. By conducting an in-depth home search, you can select a house that fulfills all of your homebuying demands.
As you search for a home, you may want to work with a real estate agent too. This housing market professional can set up home showings and keep you up to date about open house events.
Furthermore, a real estate agent is happy to provide homebuying recommendations and suggestions. He or she will do whatever it takes to help you find a terrific residence, as well as negotiate with a seller's agent on your behalf to ensure you won't have to pay too much to acquire your ideal house.
The aforementioned myths can be harmful to any homebuyer, at any time. If you hire a real estate agent, however, you can learn the ins and outs of the housing market and avoid potential hurdles throughout the homebuying journey.
Microfiber cloths have become incredibly popular in recent years. Especially within the “green clean” crowd. And with good reason, while they might look like just another cleaning cloth they are actually in a class of their own.
In fact, you could think of them as the heavyweight champions of the cleaning cloth world. Because of the “micro” in microfiber, these clothes are able to do a lot more of the grunt work without the aid of a cleaning product. And those instances you would pair it up with a cleaner? You would need far less of it than you would if using another cloth material.
I know using less cleaner or even none at all sounds counterintuitive. But here’s why eliminating the need to use cleaning product is a good thing - if you don’t properly clean the surface of cleaning product residue you are going to be creating a dirt magnet. Huh?
Yup! You see it comes down to the chemistry of how cleaning products clean. There are specific molecules inside the cleaner that when combined with water are actually attracted to dirt and grime and able to carry them away. They pick them all up and hold them close. So when they haven't properly cleared away from the surface they keep doing their job! They attract more dirt and more grime, holding on to every last bit they can.
As you can imagine the more product you have to use to clean up, the higher your chance leaving residue behind. This is where microfiber cloths save the day. Their unique two-pronged fibers that are indeed micro are able to pick up and hold onto anything it comes across. All without leaving anything behind it in its tracks.
Use dry for regular dusting and wet for all other uses. And how many there are! Tackle tile, counters, shower walls, and mirrors. All with just water and your microfiber cloth. Seriously, you won’t need glass clean or any sort of cleaning product here.
Use on a Swiffer in lieu of disposables for both dry and wet mopping floors. Keep one on hand in either your bag or car to spot clean any accidental spills on clothes. Yes, they can even tackle clothing stains! Replace germ breeding loofahs out for a microfiber. Store one in the bathroom cabinet for easy access to wipe down the counter and sink each day. And use one to wipe down the shower after use.
The care and keeping is simple. Daily clothes can be rinsed in warm water after use, machine washing weekly. However, avoid bleach and fabric softener as each will damage your cloth and reduce its effectiveness. “Refresh” clothes by boiling them in water with baking soda.
If you've bought a home that includes kitchen appliances, you may need to sell your current appliances before moving day. Fortunately, if you host a garage sale, you can sell a wide range of kitchen appliances in no time at all.
Some of the most popular kitchen appliances to sell at a garage sale include:
In many instances, a homebuyer will request a refrigerator in a home offer. And if the seller accepts this proposal, a property buyer may need to get rid of his or her current refrigerator quickly.
Selling your refrigerator during your garage sale offers several benefits. First, you may be able to earn several hundred dollars for your refrigerator if it looks and performs great. You also can sell your refrigerator before your move, thereby eliminating the risk that you'll have to relocate this large, heavy appliance to your new address.
Evaluate the age and condition of your refrigerator prior to pricing it. That way, you can establish a competitive price for your appliance.
In addition, spend some time cleaning your refrigerator's interior and exterior. This will increase the likelihood that your refrigerator will stir up interest from garage sale shoppers.
Although your kitchen microwave has served you well for many years, you likely have no need for two microwaves at your new address. Luckily, you can sell your current microwave now to earn extra cash prior to moving day.
Many microwaves are available, and as such, you'll want to learn as much as possible about your microwave. This will enable you to provide garage sale shoppers with plenty of information about your microwave's features.
Don't forget to test and clean your microwave before you add it to your garage sale inventory. By doing so, you can guarantee your microwave performs correctly and looks outstanding when you try to sell it during your garage sale.
Your toaster has been a mainstay in your kitchen, but there may be no time like the present to sell it.
Remove crumbs and other food particles from your toaster as soon as possible. These particles can affect a toaster's performance, and in some instances, create fire hazards.
Furthermore, wipe down your toaster's exterior. An in-depth toaster cleaning will help you generate interest in your appliance during your garage sale.
Kitchen appliances usually are in high demand among garage sale shoppers. If you dedicate the necessary time and resources to clean and maintain these items, you should have no trouble selling them at a garage sale.
Lastly, if you plan to buy a home in the near future, you may want to consult with a real estate agent. This housing market professional can keep you up to date about new homes as they hit the market and help you submit offers on houses. Plus, a real estate agent will make it easy to plan ahead for a pre-moving day garage sale and ensure you can enjoy a seamless transition from one address to another.
Do the walls of your home ever feel bland and uninviting? What you need for your home is to add depth to the walls. Everything from the colors of the walls to what you place on them helps to give your rooms a feeling of sophisticated complexity.
Try Using Contrast On Your Walls
If you choose a dark color for your walls, you can use bright colors as a contrast to bring out the prominent features of the room.
Use Texture On Your Walls
You don’t have to rely on paint to color your walls. It’s a good idea for you to use some tapestry or cloth and hang it on the walls to help add texture and depth to a room.
Reflect On The Room
Using mirrors can help to make any room appear bigger. Mirrors are deceiving in a way, but when placed strategically, they can really add a lot to a room. Allowing for reflections in the room also adds depth and a larger feeling to the space,
Don‘t Make A Space Too Busy
Avoid using a lot of colors in a room. While contrasting colors add something special to a space, bright, mismatched colors will only make you dizzy.
Make Use Of Tile
Particularly in kitchens and bathrooms, tile can help to add some depth to the space. Your kitchen can be painted a lovely color and finding tiles to match for a backsplash can really help the room to stand out. Even the color grout that you use can help add complexity to a room. If you have brick, wood, or any kind of stone present in a room, be sure to help those features stand out. The best way to approach design sometimes is to take what you see in nature and bring it into your space. From earth tones to highlighting the natural features in your home, you can really make your home feel well-rounded from the inside out.
Try Painting The Walls Different Colors
There’s no rule that says you need to paint a room all one color. Often, you can add a lot to a room just by having that one accent wall. Putting the piece of furniture that will be the focal point of the room on the accent wall can really bring out the features of the room. If your color scheme is leaning towards blues and whites, for example, paint each wall white except for one. Choose an alluring shade of blue for the accent wall. Be sure that your furniture matches with whatever wall color scheme that you choose as well.
Whether you’re recreating a room completely, or simply re-purposing what you have, it’s easy to make your design work for you and provide complexity and depth.
Aside from your realtor, your lender will be one of the people that you work the most closely with when you’re buying a home. Before you even sign on with a lender, there’s a few questions that you should ask. Don’t feel pressure from a certain lender before you understand what their areas of expertise are. You don’t want to end up with homebuyer’s remorse because you didn’t do the right research before you signed the deal on a home.
Can You Tell Me About Programs For First Time Homebuyers?
There are so many great programs for first-time homebuyers. If the lender you choose can’t help you with these programs, maybe this isn’t the right lender for you. If your lender lacks knowledge in the areas that you need, you probably want to shop around.
How Can You Help Me Qualify For The Loan I Need?
Many times, loans have very specific qualifications that you need to meet. Even if you think you might not meet those requirements due to things like a low amount of down payment or a job change, your lender can often help you to find the details in your situation to help you qualify for a loan. For example, you may have recently changed jobs, but if you have stayed in the same field, your lender can help you to explain these circumstances so that you can still qualify for the loan.
Are There Downpayment Assistance Programs Available?
There are also many programs and loan types available to help buyers get a home with less than a 20% downpayment. Some loans offer good interest rates with less than a 20% downpayment. There are also many grants and downpayment assistance plans available. It’s important to ask questions to know the right information for your loan circumstances.
What Fees Do You Charge?
Some lenders do charge an array of fees. You don’t want to sign on with a lender and then close on the loan, only to find out that you’re knee-deep in fees in addition to all of the closing costs that you have to pay along with the home purchase.
How Will You Communicate With Me
Just like your Realtor, it’s important that your lender communicates with you in a timely manner. Buying a home requires that documents and offers are in on time to secure your home. Don’t let anything fall through the cracks by hiring people on your home search that may lapse in their communication with important information.