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Posted by Lea Nabipour on 1/15/2018

Are you a productive homebuyer? If not, you may miss out on an opportunity to acquire your dream residence.

A productive homebuyer understands the ins and outs of the real estate market. As such, this individual may be better equipped than others to purchase a top-notch residence at a budget-friendly price.

Ultimately, operating as a productive homebuyer may be easier than you think – here are three tips to ensure that you can become a productive homebuyer in no time at all.

1. Narrow Your Home Search

If you know what you want to find in a dream home, you can maximize the time and resources at your disposal.

For example, if you prefer a home in a big city, you can start searching for houses in the city of your choice. Or, if you enjoy the unparalleled serenity of small town life, you may want to focus exclusively on houses in various towns.

You also should consider your day-to-day activities as you kick off your home search. If you attend college classes every day, you may want to find a house close to school. Comparatively, if you regularly take the bus to work, you may want to consider homes that provide quick, easy access to public transportation.

2. Establish a Price Range

Although you know that you want to buy a home, you may have no idea what it will cost to obtain your dream home. However, if you enter the housing market with a home price range in hand, you can quickly and effortlessly navigate the homebuying process.

Meet with banks and credit unions in your area. That way, you can learn about myriad home financing options and choose a mortgage that complements your finances.

Don't forget to ask bank and credit union professionals for mortgage recommendations and suggestions as well. These mortgage specialists are happy to teach you about many mortgage options and ensure that you can make an informed home financing decision.

3. Work with a Real Estate Agent

A real estate agent is a homebuying expert who will do everything possible to help you optimize your productivity. If you collaborate with a real estate agent throughout the homebuying process, you can increase the likelihood of getting the best possible results.

A real estate agent will set up home showings, negotiate with a home seller's agent on your behalf and help you get the best price on a home. By doing so, this housing market professional will ensure that you can enjoy a seamless homebuying experience.

Let's not forget about the advanced housing market knowledge that a real estate agent possesses, either. A real estate agent understands the challenges of buying a home and will help you identify and overcome these difficulties. He or she will even answer any homebuying questions, at any time.

Become a productive homebuyer today – use the aforementioned tips, and you can maximize your productivity as a homebuyer and reap the benefits of a quick, efficient homebuying journey.




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Posted by Lea Nabipour on 1/8/2018

An open house allows a homebuyer to explore a residence. And ultimately, this event may help a homebuyer determine whether to submit an offer on a home. For homebuyers, there are many terrific reasons to attend an open house, including: 1. You Can Learn About a Home from a Home Seller's Real Estate Agent. Although you may spend time reviewing home listings online, there may be information about a house that is unavailable on the web. Fortunately, an open house enables you to speak directly to a home seller's real estate agent and find out more information about a residence. From learning whether a home seller is motivated to sell quickly to finding out which internet services providers are available in the area, a home seller's real estate agent should be able to answer any questions you may have during an open house. As a result, you can receive plenty of insights that can help you make an informed decision about whether a particular residence is right for you. 2. You Can Check Out the Overall Condition of the Home. Online photos sometimes can be deceiving, but an open house allows you to get an up-close look at a residence and find out if it fulfills your personal needs. For instance, an open house will enable you to check out the size of each room as well as the overall condition of the home's exterior and interior. Plus, you may be able to review the performance of a home's air conditioning and heating systems and find out if these units will need to be repaired or replaced in the near future. Perhaps best of all, an open house gives you the chance to envision what life could be like if you bought a residence. Because you can walk around the home and explore it at your leisure during an open house, this event provides you with the freedom to evaluate a residence in a pressure-free situation. 3. You Can Find Out if There Is Significant Interest in a Home. Typically, a home seller's real estate agent will set up a sign-in sheet for attendees who visit an open house. This sheet enables a home seller to see how many people attended an open house and may provide you with a good indication about whether there is substantial interest in a residence. It is important to remember that the housing market is competitive, regardless of whether you're searching for a residence in a buyers' or sellers' market. As such, if an open house is filled with people, there likely is significant interest in a house. And if only a few people attend the event, there may be a greater chance that a home seller would accept an offer below his or her initial asking price. Ask your real estate agent for information about open houses in your area – you'll be glad you did! This real estate professional will be able to keep you up to date about open houses and help you find your dream home quickly and efficiently.




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Posted by Lea Nabipour on 1/1/2018

You honestly may not get the chance to deep clean your home very often. When you do clean your house, there are a few places that are harboring many germs that are easily overlooked. Below, you’ll find some of the dirtiest areas in your home that need to be scrubbed well.


Handles And Knobs In The Kitchen


You’re handling everything in the kitchen from dirty dishes to raw meat. After touching these items, you’re grabbing drawers, refrigerator door handles, oven doors, and more. All of the bacteria that is on your hands is transferred to these items. You should scrub these areas down on a weekly basis with a simple vinegar and water solution.


Your Computer And Accessories


If you’re like most people, you spend a lot of time at your computer. You eat drink, talk on the phone, and everything else right in front of your computer. It’s a good idea to rid the bacteria that are collected all over your computer and accessories. You can detach the attachments from your computer a dab them with a mild soapy water solution, or just wipe them down with a pre-moistened anti-bacterial cloth. 


The Toothbrush Holder


You use your toothbrush to clean your teeth, but do you ever clean the place where it sits? You can quickly place your toothbrush holder in the dishwasher once a week, or sterilize it with hot water and soap. As a bonus, you should clean your toothbrushes by boiling them in water for a few minutes. 


The Handrails And Doorknobs 


Everyone uses the railings on the stairways, but it’s a good bet that no one cleans them very often. You can use a simple hot water and vinegar solution to scrub railings and doorknobs down. Wipe them dry, and they’ll be as good as new with less germs. 


The Light Switches


As you go in and out of rooms, you probably don’t think of cleaning off the light switch panel. Germs are easily spread there as people go in and out, turning a light on just to wash their hands. Vinegar and hot water will do the trick here as well. Just wipe switches down with a cloth soaked in the solution and pat dry. 


The Sinks


While you may wipe down around your sink often, the faucet and surrounding areas may need a little love. Faucet handles should be scrubbed on a daily basis with hot soapy water. As a bonus, if you want to make your sink shine, create a paste with vinegar and baking soda. Once you scrub it on the faucet, rinse off for a fantastic shine.     



         




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Posted by Lea Nabipour on 12/25/2017

A lot changes when you move into a new home. For the first few weeks you’ll most likely be focused on getting everything arranged and put away in their proper locations. You’ll be adjusting to your new work commute, meeting the neighbors, finding out where to shop, and so on.

It’s easy to forget about updating your budget during the first couple of months in your new home. However, if you want to be mindful of your spending and gauge the true cost of living in your new home, it’s essential to start tracking expenses and creating your budget as soon as possible.

In this article, we’re going to show you how to make a new budget for your new home so that you can start accurately planning your long term finances. That way, you and your family can rest assured that you aren’t living above your means in your new home and can stop stressing about spending.

Cost of living changes

When most of us move we think about the change of our mortgage payments, property taxes, and home insurance. However, there are several smaller changes that will occur in your day-to-day spending habits that you might not think to update in your budget.

First off, make a note of how much you’re spending on transportation (whether it’s train fare or gas for your car) in your new home and adjust this on your budget. This is hard to predict before you move since you can’t be sure of the traffic patterns until your first trip to the office.

Next, make a list of your monthly services, including utilities. We’re talking about internet, cable, trash and recycling, heating and electricity, and so on. At the end of the first month, add each of those to your budget and decide if you want to spend less on any of them.

One surprise expense that many people have when they move is the cost of internet. Your old plan at your former residence might not cut it if you move to an area with different coverage.

Furnishing your new home

Even if you’re moving with most of your furniture and appliances, there will likely still be expenses that you’ll need to plan for in your new home.

It might be tempting to make all of these purchases at once so that you can feel like your move is “complete.” However, the best course of action is to include these items into your monthly budget so that you are prepared for emergency expenses.

Decide which items you need the most in your new home, and prioritize purchasing those on the first month. You’ll likely realize after just the first couple of nights in your new house which items you need now and which can wait.

Budgeting apps and tools

Everyone has their own preferred method of record-keeping. Some people keep their budget in a notebook or planner, whereas others like to use an app that they can access on their phone or laptop.

There are dedicated budgeting apps and web applications that link to your bank account and tell you how much left you can spend that month and if there is an issue with your budget. Several such apps are available for free in both Android and Apple app stores.

For a simpler budget, you can simply use the spreadsheet application of your choice (Excel, Numbers, and Google Sheets are all sufficient).

Regardless of what tool you use, make sure you check in on your budget frequently to ensure you’re sticking to it and making adjustments as needed.




Tags: budgeting   moving   budget  
Categories: Uncategorized  


Posted by Lea Nabipour on 12/18/2017

If you're an apartment renter ready to take the plunge into home ownership, there are a lot of reasons to be excited! Owning your own home does bring with it additional work and responsibilities, but the feeling of pride that accompanies it makes it all worthwhile!

Once you get used to the idea that "the buck stops here" and that there's no landlord to handle repairs and maintenance any more, it won't take long to get into the rhythm of being an established property owner. Here are a few tips to help ensure that your first experience with home ownership is a satisfying one.

  • Get a good real estate agent. A real estate professional can provide you with valuable guidance, advice, and information about houses you're considering in your desired neighborhoods and price ranges. A buyers' agent can help you avoid many of the potential pitfalls of buying your first home and help you stay within budget. They'll assist you in clarifying your priorities and work on your behalf to find homes that meet your requirements. A service-oriented agent will not only point out the positive aspects of houses you're considering, but they'll also discuss ideas for adapting the home to your specific needs and lifestyle.
  • Hire an experienced property inspector. A seasoned home inspector can take a close look at the condition of the house and property you're considering and help make sure there are no major structural defects, safety issues, or operational problems with the home's systems and components. Although every property inspector approaches their job a little differently, their inspection service should include everything from the roof and foundation to the plumbing, electrical, and HVAC systems. They may also report to you on the condition of the home's insulation, its exterior, and any existing or potential drainage problems on the property. Certain aspects of the house may be excluded from the inspection if it's difficult or unsafe to gain access to them. A top-notch home inspector can also provide useful insights into repairs that need to be made on the house. As a side note, professional property inspectors are often members of The American Society of Home Inspectors and follow the organization's Standards of Practice.
  • Visit a lot of different houses for sale before making a final decision. It also pays to have a checklist with you to keep track of how each house stacks up to your requirements and expectations.
While your emotions will invariably play a role in your final choice, many other factors should also be taken into account, including the character of the neighborhood, proximity to conveniences and shopping, and the quality of the school district. Your real estate agent and/or the U.S. Department of Housing and Urban Development can provide you with a handy checklist for evaluating and comparing homes for sale.