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In Less Than An Hour A Day, A Home Can Be Organized Quickly

March 9, 2021 by Katrina Moyer

In Less Than An Hour A Day, A Home Can Be Organized QuicklyOrganizing a home seems like a significant challenge. Fortunately, there are easier ways to make this happen. In less than an hour per day, it is possible to organize a home from top to bottom. Getting these unnecessary items out of the way might even prevent people from stubbing their toes! How can this be possible? 

Start Getting Rid Of Unnecessary Items

Start by creating two boxes. The first box should have the word “donate” written on it. The second box should have the “trash” written on it. Then, go through every room in the home. Find items that can be donating. Take them to a local Goodwill or Salvation Army. Remember to get a receipt because these items may be tax-deductible, as long as you work with a trained tax professional.

Then, take items that can be thrown away and place them in the “trash” box. Be prepared to throw these out. This will instantly create more room in the home. 

Target The Spice Cabinet

A lot of homes have unnecessary space wasted in the spice cabinet. Think about organizing them alphabetically. Be sure to check if any spices have expired, as they might need to be tossed out. Once the spices are all in the right spot, there will be a lot more space in the kitchen. That way, it will be easier to organize utensils, appliances, plates, bowls, cups, and the pantry itself.

Time To Deal With The Decorations

Once the holidays are over, it is time to organize the decorations. Make sure that each holiday has its own separate box. Then, make sure the boxes stack on top of each other. With a separate box for each holiday, it should be easy to store all the decorations in one place. This will free up a lot of other space in closets, storage areas, and cabinets.

Get The House Organized In An Hour Per Day

Concentrate on each small area, going room by room and “decluttering” as it will create a lot more space in the home, and in sections, it is easier to get everything organized. Ensure that everything has its place. It might even be helpful to write this down somewhere. Even though it might take some time to get used to it, having more open space in the home is never a bad thing!

 

Filed Under: Mortgage Tagged With: Declutter, Mortgage, Organize

Speeding Up the Close: Five Tips on How to Close Your Mortgage Loan Faster So You Can Start Moving In

September 15, 2020 by Katrina Moyer

Speeding Up the Close: Five Tips on How to Close Your Mortgage Loan Faster So You Can Start Moving InWhen a seller accepts an offer from a buyer, the process of obtaining the property has just begun. The buyer now has to conduct an inspection, get approval from an attorney and obtain a mortgage – all of which can be time consuming. Here are a few ways that you can speed up the mortgage process and close the deal sooner.

Make Sure That You Have Money For Closing Costs

Do you have the money needed for a down payment and to pay other closing and prepaid costs? If not, you won’t be able to close until you find the funds to pay those costs – and this could delay the closing on your home indefinitely. Before you arrange the mortgage, make sure you have enough cash on hand to pay closing costs.

Get Conditional Approval Before Making The Offer

If you have not been conditionally approved for a loan before making an offer, you can’t be sure that a lender will give you a loan for the amount of the purchase price. In addition, starting the process from scratch could push back the closing timeline. Having your mortgage conditionally approved means the mortgage process is already underway when you make your offer, which saves you time.

Have Your Documents Together

Get your bank statements, pay stubs and other documents together before the seller accepts your offer. Having everything that the lender needs right away decreases the time needed for a lender to assess your application before extending the loan.

Work With An Experienced Mortgage Lender

Your mortgage lender may be able to move everything along by staying on top of the loan approval process. By ensuring that documents are being processed in a timely manner, an experienced lender can reduce the closing time from months to weeks.

Create A Timeline For Repairs The Seller Is Obligated To Make

It is not uncommon for a seller to be obligated to fix certain issues with the house before the new owner takes possession. However, it is important to put these repairs the contract along with a mandatory completion date. Otherwise, the seller could drag his feet with no contractual obligation to finish any repairs before he sees fit to do so.

Closing on a home loan can take anywhere from 30 to 120 days depending on work that needs to be done on the home and how well prepared a buyer is. Contacting and working closely with your mortgage lender or broker can result in a speedy and painless close. Contact an experienced mortgage professional today for more information about closing a mortgage.

Filed Under: Home Mortgage Tips Tagged With: Mortgage Financing, Mortgage Loan Information, Mortgages

How Long Should I Spend Looking For a New Home?

September 12, 2019 by Mortgage Blog Content

How Long Should I Spend Looking For a New HomeWhether you’ve been looking for a home for a long time now, or you’re just about to get started on the hunt, you’re probably wondering how long should you spend looking for a new home. Does it take weeks to find your forever home, or months or even a year? What’s typical?

There Is No Typical

The reality is, there is no typical amount of time it takes to find your home. There are too many variables, including how actively you’re looking. Maybe you’ve heard horror stories of people who’ve been hunting for a house for a year. But come to find out, they’ve only really devoted one weekend a month to looking at houses.

Or you’ve heard of a couple who found their dream home in just two days. Well, odds are they spent many nights online, sifting through hundreds of house images and only went to see a handful of homes in person which really met their search criteria.

The Market Plays A Part

It takes longer to find a home when the market is slanted toward sellers. In times like that, there’s less inventory and the houses that are available may be out of reach financially. Keep looking, though, because your real estate agent may find the ideal house on the market from a motivated seller who’s wiling to come down on the price. Hang in there and you’ll find your dream home in any market.

Does Your Dream Home Exist?

If you feel like your home search has been dragging on despite a favorable market, it could be you’re looking for something too elusive to find. Maybe it’s not the houses you’re dissatisfied with, but something else. You may be unconsciously trying to recapture something you’ve lost, like your old childhood neighborhood or a feeling of community.

These are all valid desires that you can acquire with the right home in the right place. Try to identify what you’re really looking for so your real estate agent can help you find it. 

When it comes to finding your home, it takes as long as it takes. Be sure to secure your pre-approved financing with your trusted home mortgage professional and enjoy the process. Communicate with your real estate agent and try to keep an open mind. One day, when you least expect it, you’ll walk through the doors of your next home for the first time. 

Filed Under: Real Estate Tagged With: House Hunting, New Home, Real Estate

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