US Home Refinance http://www.ushomerefinance.com A Real Estate Blog Wed, 14 Feb 2018 06:11:37 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.4 Moving On A Budget? Here’s How To Do It http://www.ushomerefinance.com/moving-on-a-budget/ http://www.ushomerefinance.com/moving-on-a-budget/#respond Mon, 15 Jan 2018 13:00:33 +0000 http://www.ushomerefinance.com/?p=710 Since moving itself is already a huge investment, you have to do what’s necessary to save as much money as you can – especially if you are on a tight budget. Here are a few useful strategies to help you move to a new house on a budget. Be AwareRead More →

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Save On Moving Costs

Since moving itself is already a huge investment, you have to do what’s necessary to save as much money as you can – especially if you are on a tight budget.

Here are a few useful strategies to help you move to a new house on a budget.

Be Aware Of What’s Coming

How To Move On A Budget

Yes, you are aiming towards saving money. However, there are some costs that have to be paid.

Before you step your foot through the doors of your new home, make sure the first thing you do is fix your finances.

If you don’t take care of this part, you will drown in fees and costs. Here are the most important expenses:

Movers – Take your time, do your homework and find a reliable moving company that will fulfill your standards and expectations. Look for reviews on Yelp. If you are hiring a moving company, it has to be insured. Don’t cut corners.

Storage – This is another part where you need to do your homework and compare the prices and security arrangements.

Also, estimate how long you’re going to need the storage, because the price really depends on that. First month free doesn’t matter if they charge a lot after that.

Cleaning – When you are moving out of a rental property, one condition you must fulfill is to leave the place tidy and clean to get back your deposit.

And if you don’t do so, the landlord is free to charge you for ridiculously high professional cleaning costs. So either do the cleaning yourself or look around to find someone who will do it the right way.

Mail forwarding – This step is crucial to help protect yourself from identity theft.

You don’t want checks, credit card offers and sensitive information being sent to your old address. It can really cost you.

Extras – Moving day is a lot more than just trucks and running around. What will you do with your child? Will you need childcare? Do you have pets? What will you eat? Plan for moving day ahead and include these costs as well.

Don’t Pay For Boxes

Getting Free Moving Boxes

Of course, boxes are mandatory when moving, and moving companies know that so they often try to charge you a premium for them.

However, you have brains and know that this is completely unnecessary, because you can get boxes for free by gathering them from your office, by asking your friends or local liquor or mid-sized stores.

Another good thing about this is that you can resell them after you’re done moving and even earn some extra cash. Either that or just post an admin Craigslist and someone can take them off your hands for free.

Say Goodbye To The Old Stuff

Selling Your Old Stuff

Out with the old and in with the new.

By selling your old belongings you don’t need anymore, you will not only eliminate the extra weight (which cuts down on your moving costs), but you will also earn some extra cash.

Determine what you don’t need before the moving day first. Then list small items and electronics on eBay and the larger items on Craigslist.

Conclusion

Moving is among the hardest and most stressful things to do in life. However, if you stick to these tips, you can make it a little bit less stressful and also spare your bank account some trouble as well.

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How To Negotiate Real Estate Deals Like A Pro http://www.ushomerefinance.com/negotiate-real-estate/ http://www.ushomerefinance.com/negotiate-real-estate/#respond Fri, 12 Jan 2018 10:35:18 +0000 http://www.ushomerefinance.com/?p=716 If you are buying or selling a home, real estate negotiations will be part of the process. Even though you should be working with a professional real estate agent, it is important that you understand how to handle the negotiations. With proper preparation and guidance, you will be able toRead More →

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How To Negotiate Real Estate Deals Like A Pro

If you are buying or selling a home, real estate negotiations will be part of the process. Even though you should be working with a professional real estate agent, it is important that you understand how to handle the negotiations. With proper preparation and guidance, you will be able to get the house that you want on terms you are comfortable with.

When you are looking at homes and have the opportunity to meet with the owners, listen more than you talk. Rather than thinking about where you might put your china cabinet, go on a fact-finding mission. Keep your ears open for how important pricing and timing are to the seller.

For instance, is the family relocating to another city and need to get the home sold quickly, or is the current owner comfortable waiting until the right deal comes along? You need to have as much information as possible going in to the negotiation process.

While much of the communication takes place between the agents, you may be present for some or all of the conversations regarding negotiations. When you are not, it is vital that your agent has the data regarding your wants and needs so that they can advocate for your expectations.

It is also possible that your local newspaper can shed some light on why the property is up for sale. For instance, a large company making significant cuts in the workforce might leave former employees looking to sell their homes quickly.

Engaging sellers during the open house provides you the opportunity to ask casual questions about the home and their reasons for selling.

On the other hand, if you are the seller, you will want to find out as much as you can about the buyer. This is all about gaining leverage during the negotiations. In many instances, it is the person who is best informed that comes out on top of these deals.

There are many different points that can come up during the negotiation phase. Here are some of the most common ones:

Price

Real Estate Pricing Negotiation

This is one of the first issues that will come up during the negotiations, so it is important to make sure you know how far you are willing to compromise. This way, you won’t end up making a mistake that you are going to regret later on down the line. While sellers rarely get asking price, and buyers often have to cough up more than they want to, both parties can usually find a place to meet in the middle.

Date For Closing

Closing Date Real Estate Negotiations

The closing date is one of the most important ones in the entire process of buying and selling homes. This is when everything is going to officially change hands. When sellers have a need to cash in on the equity of their home quickly, they will generally not want to delay the date any further than necessary. As a potential buyer, this is where your research can come in handy. You can use that urgency to work through other negotiations points because you know how valuable an early date is to the seller.

Leaseback

Leaseback Negotiation In Real Estate

If you are a buyer, the seller might be under a lot of stress to get everything done in a short period of time. Buyers have the option of offering sellers the opportunity to remain in the home for a preset period of time. This is a chance for you to give them something that the other potential buyers might not have considered.

The leaseback doesn’t put any money in your pocket for the month or two that they remain in the house. However, it is a good way to entice them to accept your bid, not to mention that you can focus on your own home moving and planning needs.

Repairs

Negotiate Repairs In Real Estate Transactions

Unless a home recently underwent a complete renovation, the chances are good that there will be some repairs necessary. Both sides of the negotiation fence need to be ready to discuss this issue. Knowing where you stand beforehand can shorten the negotiation period.

For instance, sellers may be aware of certain repairs that they simply don’t want to make prior to selling. For instance, a swimming pool that hasn’t been well maintained over the years. On the other hand, this does give the buyer an opportunity to ask for a lower price because this task will take money to fix and bring the pool to good condition.

Large Home Appliances

Negotiating Large Home Appliances

It is important to get this one out of the way early. When walking through an open house, find out which of the appliances will be included in the sale. In some cases, this might be a negotiable point for both sides to get what they want.

For instance, the buyer might really want to keep the same refrigerator that is in there because it matches the existing decor and a new one would be too expensive at that time. If the seller understands how important that is to the buyer, it can be used to get them to give in on a different point. For instance, perhaps the closing date or other aspect of the negotiation process.

Closing Costs

Negotiating Closing Costs

When buying or selling a home, there are many costs involved at the closing. The specifics can vary from one state to another, but it is often a point of negotiation. It is important that you find out which costs are likely to apply to your situation and why they are there. How are the expenses generally assigned, and are there any rules regarding payments?

Use the information that you have gathered when you go into the negotiation process. Like the other aspects of negotiation, knowing where the other party stands on the matter will give you a stronger position in the negotiation room.

Real estate negotiations are a tricky aspect of the sales process. This is why it is important that you know what to expect and have prepared yourself before you begin, whether you are planning to buy or sell a piece of residential property!

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Buying Your First Home? Here’s 6 Ways To Get Financial Assistance http://www.ushomerefinance.com/buying-first-home-heres-6-ways-get-financial-assistance/ http://www.ushomerefinance.com/buying-first-home-heres-6-ways-get-financial-assistance/#respond Thu, 30 Nov 2017 10:06:33 +0000 http://www.ushomerefinance.com/?p=703 Home sales are increasing across the country, and when that happens, the prices of real estate typically soars sky high. Higher property prices and relatively few homes for sale in the market usually spell trouble for the first-time home buyers. Experts say that these days, not only finding the rightRead More →

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Buying Your First Home? Here's 6 Ways To Get Financial Assistance

Home sales are increasing across the country, and when that happens, the prices of real estate typically soars sky high. Higher property prices and relatively few homes for sale in the market usually spell trouble for the first-time home buyers.

Experts say that these days, not only finding the right home is difficult, it can also become very expensive. Most people end up finding their dream house only to let it go away because they are unable to afford it.

We believe that homebuyers should never give up on their dreams of buying a home in such instances. There are financing programs out there that are designed just to help people cover the down payment of a real estate property and there are also private money lenders that help people in getting a more affordable loan.

So if you are an individual looking to buy a house for the first time anytime soon, below are a few programs that might be of benefit to you.

Down Payment Grants Based On Income

You can get money to buy a house easily, if only you know the right places to ask. City, state and county governments have pools of money dedicated to help people of all income levels in buying a house. To get this, your total income must fall below a certain benchmark. In states where real estate is expensive, this number can be higher.

Wells Fargo LIFT Programs

Wells Fargo’s LIFT programs offer grants that help you pay the down payment of a house. These grants are available to eligible home buyers in certain communities across the US. These communities include San Diego, Philadelphia, Bakersfield, New Haven and Detroit.

Grants having a value of $15,000 are available and they depend on where you live. In order to qualify for this you must earn an amount that is less than 120% of the median income for the area you are living in.

Grants For College Grads (And Other Special Groups)

There are some states and cities that offer housing grants to recent college graduates. This is done to attract educated workers to certain geographical areas. For example, Grant County in Indiana is a place that offers people with a bachelor’s degree and a full-time job in the county a grant of up to $5,000 which can be used to pay the down payment for a home. Ohio also offers a grant worth 2.5% of the property price to first-time homebuyers who have completed a bachelor’s degree in the past two years.

Incentive Programs For Certain Professions

In some states there are incentive programs available for members of the military, teachers, and people working in law enforcement. In Iowa, veterans and service members can easily apply for a home grant and receive up to $5,000 for closing costs or down payment. In Texas, teachers, military, firefighters and police are offered grants for 2% to 5% of the property price.

VA Loans

If you’re a current or past member of the US military, you are eligible to get a VA loan. With VA loans, there is no down payment necessary which is extremely helpful for first time home buyers.

Banks often times like to see home buyers put down 20% of the price of a home. This amount can be out of the reach for many, especially in areas where average houses easily are worth half a million dollars.

With a VA loan, not only are you able to purchase a house with no money down, but the credit requirements are less stringent. This means those with bad credit have a better chance at qualifying for a loan.

FHA Loans

With FHA loans, you only need to come up with a 3.5% down payment. Like with a VA loan, you can also get away with having less than perfect credit. All you need is a credit score of 580 or above. If your score is lower than that but over 500, you’ll need to come up with a 10% down payment.

As you can see, there’s plenty of help offered to first time home buyers, so there’s no excuse to stop renting and make the leap to owning your dream home.

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6 Tips For Fixing Your Credit After Foreclosure http://www.ushomerefinance.com/6-tips-fixing-credit-foreclosure/ http://www.ushomerefinance.com/6-tips-fixing-credit-foreclosure/#respond Fri, 10 Nov 2017 10:13:06 +0000 http://www.ushomerefinance.com/?p=610 While you may be looking for a magical formula to fix your credit after a foreclosure, the hard reality is that it takes time. A foreclosure or bankruptcy is the worst predicament a homeowner has to go through financially. After the 2007-08 housing crisis, millions of homeowners found themselves underwater.Read More →

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6 Tips For Fixing Your Credit After Foreclosure

While you may be looking for a magical formula to fix your credit after a foreclosure, the hard reality is that it takes time.

A foreclosure or bankruptcy is the worst predicament a homeowner has to go through financially. After the 2007-08 housing crisis, millions of homeowners found themselves underwater. While the market has improved, people are still losing homes to foreclosure. A foreclosure stays on your credit report for up to seven years. You will find it difficult to take out a new loan, whether you want to buy a car or a new house. It lands homeowners in a more distressed situation than what they are already in after foreclosure.

But the fact that the battle is a long one doesn’t mean you should give up. Keep in mind if you don’t start working on your credit immediately after foreclosure, things can take a turn for the worse. It can actually render you unable to take out a loan for more than seven years.

To the contrary, if you play your cards right, you will see your score inch up after only a few months.

Here are a few tips for you to consider if you want to fix your credit after foreclosure:

Understand what credit score it and how it affects your financially

It is quite surprising, but true that most homeowners don’t have a clue what their credit score is and how it affects them financially.

First time homeowners check their credit score is when they apply for a loan. If you have gone through a foreclosure, you should check how severely it has affected your credit report. You should immediately request free credit reports from all main credit rating companies. It will help you know where you stand and chalk out a personalized strategy to fix credit after foreclosure.

Tap into your existing line of credit

Do you have a credit card? If the answer is yes, don’t think of getting rid of it.

A credit card can help you rebuild your credit score faster if you stay current on payments.

In some cases, card issuers can take certain steps in order to limit credit or close the card altogether if they come to know about a foreclosure. They can also raise your interest rate. If you receive a communication from them in this regard, you should act immediately and explain your situation. By directly communicating with them, you can avoid your card being closed or paying a higher interest rate.

The same goes true for an existing car loan or other types of loans. Make sure that you pay loan installments on time. It will help you rebuild your credit score faster.

Secured credit cards

While you may find it tough to get a regular credit card after foreclosure, you can always apply for a secured credit card, the latest buzz in the financial industry. Almost every lender now offers secured credit cards to people struggling financially.

Secured credit cards are easy to get simply because they don’t pose any risk to the lender. If you apply for a card with a credit limit of $500, you will normally have to keep the same amount of money in a bank account until the card closes. Your card issuer will have access to this money and forfeit it in case you default.

While there are many secured credit card issuers out there, shop around before choosing one. You wouldn’t want to end up paying hidden charges or comparatively higher interest rates.

Use secured credit cards very responsibly because they can be a great tool to build credit after foreclosure.

Join a credit union

There are all types of credit unions you can join depending on your employment history and background. Most credit unions operate locally, so check out which one you can join in your area.

When you join a credit union, you will have to open a checking or saving account with them. You will build your financial history with each transaction you make through this account, and it becomes the basis for applying for a loan in the future.

Credit unions often give weightage to your financial history with them, rather than your financial history with other banking institutions. As a result, they will tend to ignore a foreclosure or poor credit score on your report when considering your loan application.

Credit unions may charge a higher interest rate due to the risks involved in approving a loan to high-risk applicants, but the fact that at least they will consider your application makes them a great option to build your credit score after foreclosure.

Pay your bills on time

Most homeowners are unaware of the fact that falling behind on utility bill payments can hurt their chances of rebuilding credit after foreclosure.

Utility companies actually report late payments to credit companies, and it may be factored into your credit history.

The same goes true for other types of payments such as gym memberships, and cell phone and internet services.

The irony is that when you stay current on these payments, nobody bothers to report it to credit companies, but if you are late, you will get reported.

Don’t apply for more loans without checking your credit score

You should keep a hawk eye on your credit score after foreclosure. Request credit reports periodically and find out how much progress you have made. Don’t apply for a new credit card unless you have reached a satisfactory level. If you apply for too many loans, lenders will consider you desperate, still in a difficult financial situation. It will have an adverse impact on the prospects of your loan application’s approval.  

Conclusion

If you have read this article attentively, one thing must be clear: you shouldn’t make the same mistakes that caused foreclosure in the first place. Instead of feeling defeated, you should sit down and evaluate your situation. It will help you come up with a strategy. Taking tiny steps towards rebuilding your credit score such as paying your utility bills on time is imperative.

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Boost Your Property’s Value With These 6 Improvement Tips http://www.ushomerefinance.com/boost-propertys-value-6-improvement-tips/ http://www.ushomerefinance.com/boost-propertys-value-6-improvement-tips/#respond Tue, 19 Sep 2017 09:30:11 +0000 http://www.ushomerefinance.com/?p=629 Whether you plan to sell soon or sometime later, now is the time to begin investing in your home because it will add the value to your property. The goal is to make your property more worth than it was when you bought it, but at the same time, notRead More →

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Boost Your Property's Value With These 6 Improvement Tips

Whether you plan to sell soon or sometime later, now is the time to begin investing in your home because it will add the value to your property. The goal is to make your property more worth than it was when you bought it, but at the same time, not to go too far on the improvements since you do want to see some return on your investment.  Take time to research real estate prices in your area and to plan some strategic makeover, but make sure to focus on main issues.

Landscaping

Start from the outside, same as a potential buyer will while approaching your property. Front and back yards are the outdoor extension of the interior, therefore can well indicate the state of the household in general. It doesn’t take much to clean the yard and spruce it a bit, simply because the appealing landscape will give away better impression and will easily sell the property. Remember to set up some yard lighting for the buyers who will inspect your place at evening hours.

External makeover and repair

Look out for signs of damage on the external walls and make sure to take care of it because it will most definitely catch the eye of the buyer. After fixing the sidings, take the time to think about the colors you can use to repaint the walls. If you are not certain about the right choice of the color, do some research on a trendy and tasteful color palettes commonly used in a contemporary architecture.

Invest in doors and windows

Doors and windows are an important investment and valuable addition to the overall worth of the property. Redesigning the windows or changing the doors can add some elegance to the front side of your house. Consider window tinting since the windows improved that way can stand as a special feature of your real estate, implying that this is an energy-efficient household.

Interior makeover

As with the exterior, make sure to remove any signs of the damage, if there is some. Start from the bottom since many people pay special attention to the floors. The floors are expected to be shiny, easy to clean and stylish. Get rid of the old carpets and cover it with some tasty rugs. Kitchen and bathroom may need some work, but providing they are in good shape, make just a few changes like upgrading the appliances or repainting the walls. Also, repaint the walls in living area and again choose the colors carefully.

Foundations and roof

Be sure to inspect roof and foundations yourself, or call the professionals to assess the property for potential damage and structural flaws. Fix anything that requires repairs regardless of the costs, since it will hugely affect the price and the potential sale. Usually, the buyers hire someone to inspect the property, nonetheless do that in advance yourself, just in case there are some conditions that may affect the positive outcome.

Curb appeal

Improving a curb appeal is all about the first impression, which can have a powerful effect on the home buyers decision-making. Luckily, this is easy to do since the catch is in the details, like changing the doorknobs, replacing an old mailbox or adding new house numbers. In addition to these small fixes, you can install some window boxes with flowers that will improve the look of your house in a more charming way. Put some vivid color flowers on the porch also, but use the old trick of symmetry when placing them. That way it will give away the impression of warm household and harmony.

Conclusion

Even though the house sale with all the required preparation may seem overwhelming, if you plan the project ahead and act timely, you will manage to go through the whole process smoothly and to achieve your goal. No need to wait for the market to improve when you can add value yourself, simply by taking into consideration these useful tips. In the end, don’t hesitate to consult a qualified Realtor in your area since they can point you in a right direction concerning home improvements that will fit the market.

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6 Things To Know Before You Take Out A Mortgage http://www.ushomerefinance.com/6-things-know-take-mortgage/ http://www.ushomerefinance.com/6-things-know-take-mortgage/#respond Sun, 10 Sep 2017 16:00:39 +0000 http://www.ushomerefinance.com/?p=546 With a term of anywhere between 10 and 50 years, a mortgage is the largest single financial transaction most people perform in their lifetime. With so much money (and time) on the line, it’s crucial that you do your due diligence. So before you sign on the dotted line, doRead More →

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6 Things To Know Before You Take Out A Mortgage

With a term of anywhere between 10 and 50 years, a mortgage is the largest single financial transaction most people perform in their lifetime. With so much money (and time) on the line, it’s crucial that you do your due diligence. So before you sign on the dotted line, do your research! Here are a few things you need to know about home loans.

The Basics

There are two parties in a mortgage: the mortgagor, or borrower (you), and the mortgagee, or lender (typically your bank or credit union). A mortgage is technically a lien, with your home as the lender’s security on your debt. That means that the lender has the right to repossess or foreclose upon it if it becomes clear that you are unable to keep up with payments or eventually repay the principal, which is the original size of the loan. Interest is the mortgagee’s fee for using its funds.

The Types of Loans

There are a few different ways for lenders to charge interest: fixed-rate, adjustable-rate, and interest-only. A fixed-rate mortgage is self-explanatory: The terms you sign up for will not change for the duration of the loan. Adjustable-rate mortgages might initially present a lower introductory interest rate but, as the name implies, the rate is subject to change based on a predetermined index of national interest rates. As your rates change, so do your monthly payments. The Consumer Financial Protection Bureau recommends you calculate your payment based on your lender’s maximum rates (if available) to ensure you can afford the loan, even under extreme circumstances, before accepting it. Interest-only loans are unqualified mortgages that start out with fixed interest rates. The homeowner is not required to pay on the principal of the loan until the 10-year mark, which functions on the assumption that their income will increase over time to accommodate the larger payments.

‘Good’ vs ‘Bad’ Interest Rates

Interest rates can change from month to month, but keeping tabs on national average rates can help you distinguish a good deal from a bad one. According to Bloomberg, interest rates have been falling since 2014, reaching a low of about 3.4% in September 2016 before spiking up to 4.32% by the end of the year. Changes in the national average can give you a ballpark figure of what to expect, but don’t forget that your lender and credit ratings will also play a part in determining your interest rate. Before you finalize a loan, be sure to shop around, and always ask for estimated interest rate changes.

What Your Monthly Payments Will Look Like

Just because your monthly mortgage payment is less than your current rent, that doesn’t mean you’ll have rolls of cash at your disposal. As a homeowner, your expenses go beyond a monthly check. In addition to the mortgage payment, you should plan on saving 1% to 4% of the home’s value for home maintenance costs — which will crop up sooner than you think. Remember, too, that you have monthly insurance payments, as well as annual property taxes — those can be significant, so you should start saving for them well in advance of April 15. If you have an escrow account, though, insurance and taxes are automatically added to each mortgage payment to ensure those bills are paid.

The Necessity of Mortgage Insurance

Mortgage insurance allows lenders to protect themselves in the event that their loan recipients aren’t able to make their mortgage payments. Generally, if you put down more than 20% of the home’s purchase price, you won’t be required to have PMI (private mortgage insurance). Although a smaller down payment would allow you to purchase a home you couldn’t otherwise afford, the PMI payments will increase your monthly payment, adding to the total amount paid for the home.

A Loan Isn’t Always Forever

One of the most intimidating things about homeownership is how irreversible it feels. Mortgage, after all, is a word derived from Medieval French law, loosely translated as “death pledge.” When you sign for a 30-year mortgage, it’s easy to feel like the next three decades are set in stone. But that’s not necessarily true.

You do have to invest some time in the home — selling for a profit in less than two years can subject you to a capital gains tax, and just think of the transaction fees piling up — but a home loan doesn’t doom you to the same address for the rest of your pre-AARP days. You can always move, although to buy a new house while you have an existing mortgage, you would have to contact your lender for the payoff amount, and then decide if you want to move first or sell first. (Your real estate agent is a great resource for navigating this situation.) Also keep in mind that you can qualify to refinance your loan later down the road if interest rates drastically drop, or if you’d like turn your adjustable-rate mortgage into a fixed-rate.

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How To Get Your Home Ready To Sell http://www.ushomerefinance.com/get-home-ready-sell/ http://www.ushomerefinance.com/get-home-ready-sell/#respond Tue, 27 Jun 2017 08:00:09 +0000 http://www.ushomerefinance.com/?p=642 If you’ve decided to sell your house, there is a whole variety of things to be taken care of before you bring any potential buyers inside. Having your house in top shape will impress them more and enable it to become more likely to be sold at a higher price.Read More →

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How To Get Your Home Ready To Sell

If you’ve decided to sell your house, there is a whole variety of things to be taken care of before you bring any potential buyers inside. Having your house in top shape will impress them more and enable it to become more likely to be sold at a higher price. All you have to do is to implement a few alluring details and make it look well-maintained. If you’re selling during season it is very important to make your house stand out among dozens of others many people are going to look at. So, here are a few tips on how to make your home look the part for any visitors looking for a dream house.

Check for any damage

You have to check your home in and out for any damage that could potentially be harmful to your house’s value. Make sure everything is functional, from fixing loose knobs and handles to taking care of more serious damage, like leakage or mold. Pay special attention to wood rot around windows and door frames – especially outside. They can deteriorate over time when exposed to rain and moisture. Check for leaks around toilets or sinks, and if you have hardwood, check for any bulges to determine if you have a problem with flooding.

Make it squeaky clean

Nothing feels better than entering a clean home filled with pleasant smells. Take care of your windows, wash them thoroughly. Buyers will always notice a smudgy window. It’s important to take care of it because the view through the window is also an important aspect of your house’s aesthetic. Clean windows will also let more light into the rooms. If you have carpets, rugs or leather furniture, it could take you ages to get them in top shape for selling. Professionals advise that clean-looking carpets, rugs and leather furniture significantly boost the chances of impressing any potential buyers.

See Also: Increase Your Home’s Value With These 4 Methods

Boost your curb appeal

Remember: first impressions count! Before any potential buyers enter your home, they will most definitely scrutinize your property from a distance. They don’t only seek for a nice-looking exterior, but also signs that the property has been well maintained, and they don’t want to waste more money on that. Make sure your garden looks at its best, and make your gate, fence and doors fresher by repainting them. You can do all sorts of other things, like replace your house number, get a new mailbox, or install flower boxes for that extra spice.

Cut the clutter

Your aim is to enable potential buyers to visualize themselves living in the property. Therefore, you can create an illusion of bigger space and enable them to really think about what they would do to the place if they lived there. Keep away from decorating your house too much, because it can be a distraction. Put away all family photos and art pieces you like because not all people share your taste. As for the abundance of space, you can make the ceiling look higher by adding extra-long curtains to the windows or buying striped carpets or rugs that give the illusion of bigger space.

Revamp your kitchen

People today are mostly looking to buy a house that already has a reasonably polished kitchen. You can solve that problem with simple updates, like installing new cabinet doors, worktops, handles and other minor adjustments. If you’re feeling bold, you can replace tiles and floorings too. Just make sure to not stick to any DIY unless you’re completely confident in your skills – there’s no shame in hiring professionals to finish the job, and the expenses are sure to be worthwhile.

Pets

Being welcoming to your viewers is desirable, but your dog’s enthusiastic greeting may not be to everyone’s liking. Some people who visit might be allergic to dogs or cat’s hair, so make sure that they’re all comfortable with visiting your property. Ask a neighbor to look after your pets during viewings if possible, or if not, you can always take them to a pet day care.

Conclusion

Selling your property might seem like an awful and time consuming task, but if you invest in it the right way, you can go through that process stress-free. Prepare yourself for providing information about your house and the local area and keep an ear out to any feedback about your house you receive during the viewing or afterward from your estate agent – it may be helpful for future viewings.

Author bio: Aside from primary area of interest and expertise in business consulting with Ecofresh carpet cleaning Perth, Ian could be tagged also as a passionate sports fan, nature and photography enthusiast, always trying to keep up to date with tech innovations and development.

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5 Things Everyone Should Do Before Moving To A New Home http://www.ushomerefinance.com/5-things-everyone-moving-new-home/ http://www.ushomerefinance.com/5-things-everyone-moving-new-home/#respond Sat, 13 May 2017 12:00:08 +0000 http://www.ushomerefinance.com/?p=613 Moving into a new home is always a big deal. It doesn’t matter if this is the first house you bought, or the third one you’re moving to, changing houses is always a stressful affair. There are so many things to think about and take care of before you evenRead More →

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5 Things Everyone Should Do Before Moving To A New Home

Moving into a new home is always a big deal. It doesn’t matter if this is the first house you bought, or the third one you’re moving to, changing houses is always a stressful affair. There are so many things to think about and take care of before you even think about moving, that by the time you find yourself in your new home you will be too stressed to enjoy it. Before you unload your packing boxes out of the truck in front of your new home, here is what you should do.

1. Change The Locks

Who has the keys of your home? You and the members of your family, of course, but also your friends, and possibly your neighbor so they can stop by in case of emergency. The same probably goes for the previous tenants of your new home – there will be people who have keys to the locks of your house. Safety first; so you should change the locks on your front and back door, as well as the cellar (if there is one). This might seem like too much work, but you don’t want to think about who else may get into your home when you’re not around. If possible, install alarm system straightaway – you don’t actually know the neighborhood that well, and it’s better to be safe than sorry.

2. Clean The Place

Not many people bother with cleaning when they’re moving away, and you never know in what condition your new house will be. Even if it looks spotless, it doesn’t mean that it’s really clear. You don’t have to call professional to clear every corner of your home, you can do it yourself with an all-purpose cleaner and a pair of rubber gloves. Still, you should take the carpets out to be steam cleaned, or borrow a steam cleaner and do it yourself. Couches and armchairs can also gather a lot of dust and dirt, so it’s best to have them disinfected too.

3. Change Your Address

This is incredibly boring and people think they can do it once they move, but it isn’t so. You should change your address as early as possible to avoid new tenants of your old house having to forward you mail, and bills piling up. The post office should be notified immediately of your new address, but you should also inform the businesses and government bodies individually. This will ensure that all your mail is going to the right place. Any subscriptions you have should be redirected to your new address, and your bank should be informed that you’ve moved too. Your details on the electoral roll should be updated as well, so you don’t have to travel to your old hometown when you have to vote.

4. Make Sure You Have Enough Packing Boxes

Packing boxes are a nightmare – no matter how many you have, it won’t be enough. If you have thought well in advance and packed your belongings in the labelled boxes, it’ll make organizing easier once you step into your new home. Think about all the things you have to pack, and try to get plenty of boxes of different sizes. Your clothes can be stored neatly even in something as simple as plain old trash bag (these are incredibly spacious and you’ll be able to pack a lot of clothes in there), but your books, glasses, plates, and family memorabilia should be packed neatly in cardboard boxes, so set off and find plenty of durable packing boxes so all your things are protected.

5. Connect Your Energy

No matter how long the previous tenant lived in the house, you need to disconnect the energy in their name and reconnect it in your own. You only need to call your energy provider, give them your address, and let them know when you’ll be moving in so they can make sure the connections are okay. They should have your contact numbers and identification, and it’s vital that you do this just before you move so that the previous tenant won’t be charged for the energy you’ve spent, and vice versa. Also, you should call internet service providers at least a month before to make sure you’ll have the internet in your new home.

We live in such times when moving houses isn’t a strange and rare thing anymore, most of us will move several (if not a dozen) times in our lifetime. If every time we moved we had to go through equal amount of stress, we would suffer greatly. By being systematic and well-organized, you will make your move as stress free as possible, and this means more time to enjoy the good things. Don’t put off things until the last minute, be thorough and responsible, and you will soon lean that moving isn’t so bad after all.

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6 Ways To Sell Clients On An Older Home http://www.ushomerefinance.com/6-ways-sell-clients-older-home/ http://www.ushomerefinance.com/6-ways-sell-clients-older-home/#respond Fri, 05 May 2017 15:00:12 +0000 http://www.ushomerefinance.com/?p=602 How can you help buyers get excited about an older property? A well-maintained historic home with gleaming wood floors and an updated kitchen is easy to sell in most markets, but when a property is a bit run down or dated looking, it can be a tough sell. Here areRead More →

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6 Ways To Sell Clients On An Older Home

How can you help buyers get excited about an older property? A well-maintained historic home with gleaming wood floors and an updated kitchen is easy to sell in most markets, but when a property is a bit run down or dated looking, it can be a tough sell. Here are some phrases that can persuade buyers to give these homes a second look; choose the ones that are true for the house you’re trying to market.

1. This House Has Good Bones

Clients who might consider a fixer-upper absolutely love this expression. The phrase “good bones” reassures them that the house doesn’t have any known structural issues or major defects and that its size and layout are desirable even if some of its surfaces look a little shabby.

2. You Can Make This Into Your Dream Home

If your buyers show a flair for creativity, appeal to their desire to personalize the house. Remind them that if the seller had already done all the work, they would be paying for finishing work done to someone else’s taste. Buying a home with cosmetic issues that haven’t been fixed by the seller lets them save money on the purchase price, and they can use those savings to install interior and exterior finishes that they love.

3. You Can Reduce Your Risk With A Warranty

An older home can mean questionable systems or appliances that are near the end of their life cycle. Your clients may not realize that they can buy a home warranty that will cover their electrical systems, appliances, furnace, and air conditioner. They can budget for the cost of the warranty and then sleep peacefully knowing that if their hot water heater breaks down, it is covered by the home warranty.

4. Let’s Talk About How To Fund The Renovations

New home buyers don’t always know that they can ask the seller for a credit to cover the cost of repairs. They might also want to know about mortgages that will cover renovations, too, like the FHA 203(k) program that wraps renovation costs into the mortgage loan.

5. This Is A Lot Of House For The Money

Bargain hunters who are willing to take on a seller’s problems or clean-up work can often get into neighborhoods or homes they wouldn’t otherwise be able to afford. Show them recent sales figures of similar homes in the same school district or neighborhood to help them see whether the fixer-upper is a good bargain.

6. The Neighborhood Is So Desirable

Savvy buyers know that a home will never be worth more than the surrounding properties, so stressing a solid neighborhood with stable property values will appeal to them. Also, while fixing up a house might be challenging, it’s at least possible; a bad neighborhood can’t be repaired. Point out features like good schools, easy access to highways, and low crime rates to help them realize that their bargain home is likely to appreciate in value.

There’s a lot to love about older homes, and there are buyers who love the opportunity to pick up a bargain and turn a house into a creative project. Use these ideas to help you connect those buyers with the fixer-upper of their dreams.

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Guide For Choosing The Right Kind Of Blinds http://www.ushomerefinance.com/guide-choosing-right-kind-blinds/ http://www.ushomerefinance.com/guide-choosing-right-kind-blinds/#respond Wed, 19 Apr 2017 16:00:39 +0000 http://www.ushomerefinance.com/?p=595 An essential part of decorating your own home is choosing the right blinds for your windows. What is great about blinds is that they can have a drastic effect on the way your rooms look. Furthermore, they add functionality. They are a very popular interior design choice, and can fitRead More →

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Guide For Choosing The Right Kind Of Blinds

An essential part of decorating your own home is choosing the right blinds for your windows. What is great about blinds is that they can have a drastic effect on the way your rooms look. Furthermore, they add functionality. They are a very popular interior design choice, and can fit any room in your home, such as the living room, bathroom, kitchen, and the like.

There is truly a wide variety of blinds to choose out there, so which ones should you install? In this article we are going to discuss the types of blinds, and help you make your choice. The factors that you have to keep in mind are the purpose of the room, the room’s décor, and of course, the size of the window.

Roller Blinds

If you’re looking for functionality, then roller blinds are one of the best choices for you. They are usually installed in rooms that serve as offices. Generally made out of plastic or a single layer or fabric, they stop the morning light from entering the room. You use a sidewinder chain to lift or lower them, but there are also cordless ones. They come in various colors and designs, so you can pick the one that suits you best.

Motorized Blinds

In case that you are tired of pulling your blinds or the cord, so that you can open and close your windows, motorized blinds are the perfect choice. They are essentially the epitome of convenience. Due to being mechanical, all you need to do in order to make use of them is to push a button. Some of the models even come with controls that enable you to tilt the shades, so that you don’t have to do it manually.

Venetian Blinds

Are you looking for a stylish and popular choice? Then you should go for venetian blinds. They consist of horizontal slats which are joined together in a vertical row. They hang suspended by a chord that is usually made out of cloth or band. You can close them completely, which makes them a good choice for a bathroom. In order to let the light in the way you want to, they can be rotated almost to 180 degrees. They come in a number of materials, like plastic, wood, metal, etc.

Roman Blinds

Another very popular choice are roman blinds. They are made out of one long, extended piece of fabric. Similarly to roller blinds, they can be lowered and raised any way you like it, due to horizontal folds that run along the entire length. Their look can be described as a combo of fabric drape and traditional blinds, and adds a luxurious feel to your room. They also work well for rooms where it feels a little cold.

Blockout Blinds

If you are looking for a way to block the light completely from entering the room, then it is blockout blinds that you need. Next to giving you the desired privacy, these blinds block direct sunlight and glare. Furthermore, what is great about them is that they are made out of fabrics that control how much heat comes into your room. You like your bedroom to be in complete darkness in order to get a good night sleep? Then blockout blinds are the way to go.

Honeycomb Blinds

An enticing option that is also a perfect solution for improving the energy efficiency of your home are honeycomb blinds. The main idea behind these blinds is fabric that is built into honeycomb cells. What honeycomb cells do is that they trap air between the room and the window. During the hot summer days, they make sure that your home stays cool, while in the winter, they retain the heat and help you stay warm.

Vertical Blinds

Vertical, or track blinds, consist out of vertical hanging slats that are joined together. They come in various materials and styles, such as fabric, solar, aluminum, cellular screen, faux wood, stiffened plastic, and the like. Vertical blinds are a perfect solution for big windows and sliding doors. What makes them great is that they work well if you are looking for energy efficiency, and give you just the right light control. Furthermore, they give your home a unique look.

Bamboo or Bali Blinds

If you are into Asian or African décor, then bamboo blinds are the perfect choice for you. They are also called Bali blinds, due to being made and sold by a company called Bali. They are both solid and versatile, and also quite cost-effective if compared to other blinds made out of exotic wood. The best description of these blinds would be a big sushi rolling mat that is used to cover your windows.

Panel Track Blinds

Another choice that functions similarly to vertical blinds are panel track blinds. These blinds are one of the best choices when it comes to light control and privacy. They consist of panels covered in fabric, which are quite easy to slide in order to reveal or cover up your windows. They are a frequent choice for dining rooms, living rooms, and rooms that have long windows. If you are looking for more than regular fabric, you can have them custom made.

In Summation

When it comes to home décor, you mustn’t forget about choosing the right blinds. The ones discussed in this article offer various benefits, from energy efficiency to perfect light control. Also, they offer various options when it comes to style. Make your choice, and make the best out of your rooms.

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