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Informational

It’s no secret that the home buying process is an emotional one, with more ups and downs than an office elevator on a Monday morning. It helps to know what you’re getting into and have the knowledge that will help you combat the confusion and successfully make it through to a new home. Here are our 5 top tips for homebuying.

  • Plan Ahead. It’s important that you get all of your ducks in a row before you dive into the process. List out all of your needs and wants for a new home and plan what it’s going to take for you to get there. Interview and hire a real estate agent and lender, work on getting pre-approved, create a budget, and then work on scheduling when you’ll be able to visit houses. Staying organized and on top of the process early on will help you from getting tangled up in everything later.
  • Consider Your Safety. Researching a neighborhood before you chose to move is always important, but even more so if you’re concerned about your safety. Look up the area’s crime rate, talk to the police and the people who live in the area if you have questions, and drive around the area in the evening to see what the activity levels and street lighting are like.
  • Don’t Waste Time. If you’ve found a good real estate agent, chances are they won’t be sending you to random open houses and will instead be weeding through listings to find houses that suit your needs. Take your agent’s advice and try not get hung up on little things that could distract you from what it is you’re really looking for. At the same time, don’t try to rush the process. This is a big decision and it should not be taken lightly.
  • Prepare Your Pennies. You’ve talked to your mortgage lender about your budget and your down payment, but there are other closing costs you need to make sure you’re aware of. You’ll be required to pay inspection fees, taxes, and insurance fees at closing so make sure you plan ahead.  Also talk to your lender about your monthly mortgage payments as more goes into that than just the principle mortgage payment. Make sure you’re aware that your monthly payment will also include interest, taxes, and insurance.
  • Work With People You Can Trust. Ask advice from the people you know at any point in the process. Look to your friends and family for professional recommendations to help you find your real estate agent and your lender, but also do your own research. Read reviews and talk with various professionals to find someone that you think you’ll easily be able to work with and who will make the home buying process a painless and understandable one.

Informational

Animals, like humans, get stressed during a move. Sometimes, they end up even more stressed since they don’t quite understand what’s going on. It’s important that you work to make this move as smooth as possible for their sake and your own sanity.

Be Aware of Pet Laws and Regulations. It’s important that when you move into a new neighborhood you’ve educated yourself on all of the local leash laws, pet ordinances, and licensing requirements. Your pet may need extra vaccinations or certificates depending on where you move to.

Update Pet Identification. Whether your pet wear’s an ID tag or has a microchip, you’ll want to get their information updated to incorporate your new address as soon as possible. No matter how careful you are with your pets there’s always a chance they could get lost in your new neighborhood.

Talk to your Vet. You’ll need to gather all your pet’s medical records before you move, but it’s also important to talk to your vet to receive any insight on how you can make the move more comfortable for them. If they’re naturally nervous, your vet may have some medication or behavior modification tactics that will help them relax. (It’s also a good idea to try and get any vaccinations updated if necessary.) Finally, especially if you’re moving out of town, try to have a new veterinarian lined up before you move.

Pack Over Time. Try not to save all your packing for the last minute. Pets are not fans of change and will get worked up if everything suddenly disappears at once. Plus, pets can feel your anxiety and it can make them nervous. Pack a little bit each day to take some of the anxiety away from the both of you.

Keep them Secure. If you’re moving to another house in the same town, see if you can leave your pet with a friend. If not, try to keep them in a crate or a room with some of their favorite things and check on them periodically throughout the day. If you’re moving far away, be sure to keep them in a crate, pet carrier, or, at the very least, on a leash at all times. The stress could cause even the best behaved pet to run off, so keep them easy to control at all times.

Prepare a Travel Kit.  Have your pet’s favorite things set in a box that is easy to access as soon as you arrive in your new home. Small toys and blankets can stay with your pet during the move, but things like food, water bowls, and beds should be right in the back of the truck. Also, if you’re traveling far, make sure enough of their food has been packed and it's readily available so that you won’t have to dig through all your boxes just to feed your four-legged friend.

Take a Walk. As soon as you have some amount of free time, take your pet for a walk around the neighborhood. This way you can both familiarize yourselves with the area and, if you have a dog, they can relax by exploring all the new smells. Try to introduce yourself and your pet to as many neighbors as possible while you’re out so that if your lovable little friend gets lost they will know who look for.


General

The Other Big Question

Jun 24
11:22
AM
Category | General

Congratulations! You popped the big question and everything went swimmingly! Now you get to spend your time, energy, and enthusiasm on planning your wedding and new life together. Of course, this means thinking about and asking the other big question: Should we purchase or rent our first home?

Most American couples aspire to someday own a home of their very own, and who can blame them? With economic advantages such as building your equity and receiving tax deductions, and social advantages including community and security for your family, it’s no wonder that owning a house has remained a central part of the American Dream for years. However, this doesn’t mean that running out and buying a home right after the wedding is the right choice for everyone. There are three questions you need to ask yourself before deciding to buy or rent your first home together:

  1. Are you staying local? If you plan on moving soon it might not make sense to own a long-term proposition.
  2. How are your finances? If you’re going into this new life with a lot of debt and a low credit score it may be best to wait to own till you’ve improved your finances.
  3. Do you have savings? Between down payment requirements and the occasional emergency, it’s important to have some kind of cash reserve to fall back on.

Of course, it has become quite common for couples to get married later in life and is thus more likely for one, if not both, of the newlyweds to already own a home. This then creates the alternate version of the big question: What if one (or both) of us already owns a home?

This pretty much eliminates the renting vs. owning question entirely and presents a new line of options to consider. Based on your lifestyle, location and finances you could choose one house to live in and then either rent or sell the other, or you could sell both houses and work together to buy a new one for your new life.

Again, there are many factors to consider when it comes to making your new housing choice, so it’s important that you look into meeting with a financial advisor and a mortgage originator on top of your meetings with your wedding advisor.


Informational

Home Grown Pest Control

Jun 20
9:45
AM
Category | Informational

At one point or another, we’ve all had an unfortunate run-in with creepy crawlies or furry friends in the safety of our own homes. These pests have a nasty habit of sneaking into houses and setting up shop like they own the place.  Fortunately, there are several ways that you can get rid of these unwanted house guests without having to call in the big guns or the big chemicals. Cleaning the house isn’t always enough to stop them, so here are some tips on how to kick those tiny terrors to the curb and keep them from coming back.

 

 

Specific Tips to Kick Pests Out of Your Home

  • Ants - To eliminate ants, find their point of entry and sprinkle cinnamon, black pepper, cayenne pepper, or coffee grounds over the area.
  • Flies - Put crushed mint around problem areas to repel flies
  • Mice - Peanut butter or raw bacon works as better bait for mousetraps than cheese
  • Cockroaches - Sprinkle Borax powder in the kitchen and bathroom cabinets to eliminate cockroaches. (Be careful if you have small children, you wouldn’t want them to ingest Borax)
  • Flea Eggs - Salting your floors before vacuuming will kill flea eggs. Salt every day for nine days and vacuum every third day, emptying the vacuum immediately so that live ones don’t escape again.
  • Fruit Flies - Fill a glass three quarters of the way with vinegar and add six to eight drops of dishwashing soap.  Finish filling the glass almost full with warm water, cover with plastic wrap and poke holes in the top in order to trap fruit flies.
  • Raccoons/Rodents - Use repellents like oil of mustard to get raccoons or other rodents

General Tips to Keep Pests Out of Your Home

  • Many pests hate peppermint oil so mix some in a spray bottle with water and spray around door and window frames and anywhere you’ve previously seen pests.
  • A mix of borax and sugar sprinkled around your foundation and baseboards will keep ants out.
  • Drain any standing water both inside and outside your home to decrease mosquito populations.
  • Seal up any opening or cracks in your home to prevent pests entering.
  • To reduce flying insects around your doors or windows, switch to high pressure sodium vapor or halogen lights. The pink, yellow, or orange tints these bulbs give off are less attractive to the insects.
  • Keeping basil in your home, specifically around entryways, will help discourage flies from coming in.

Informational

Moving is undoubtedly one of the most exciting and stressful things you can do, and all that is heightened when there are children involved. Fortunately, most children easily adapt to change, but it’s the actual changing that makes all of this so hard. There are ways to smooth out the process and keep your kids as happy and comfortable as possible during this crazy adventure.

  • Ask for Help. There’s going to be a lot happening on moving day and you’re probably not going to want to worry about your little ones. Ask for a friend or family member to come over and spend time with them while you load the truck, or ask if they could take your kids out for a bit. It’ll eliminate a lot of your stress knowing they’re off having fun somewhere.
  • Keep them Involved. Though they may not be the most helpful moving buddies, it’s important that your children are always aware of the process. Make sure they take part in packing up their own stuff, and give them little jobs to help with the rest of the preparation. This opens room for questions, conversations, and makes them a part of the process.
  • Pack Their Stuff Last and Unpack it First. It’s helpful to keep things as normal as possible for your kids in the days leading up to the move, so other than a few unnecessary things, try to leave their stuff for last. Then, see if it can’t get put in the truck last so that it can all come out first and you can get them set up right away. If they are able to be in and create their own space right off the bat it can minimize their discomfort in your new home.
  • Make Sure they Know Where You Sleep. Especially if you have younger children you’ll want to make sure they’re at least somewhat familiar with where things are before going to bed on that first night. The last thing you probably want is for your half-asleep child to freak out in the middle of the night when they wake up somewhere new and can’t find you.
  • Stay Positive and Have Fun. As stressful as moving can be, there are still ways to come together as a family and turn it into something fun. If one person’s stressed out and frantic it can affect the mood of everyone around them, so do your best to keep a level head and look at all the joy that comes with this exciting new experience.

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