Thinking About Moving To A Bigger Place?

Thinking about moving to a bigger place? The first thing you need to know before you start searching for a home is what you can afford. To calculate this, there are 2 important ratios that a mortgage lender will use. Your Front-End Debt-to-Income Ratio When Moving: Your front-end DTI ratio compares your expected monthly housing cost against your income. Your housing cost includes home-related … [Read more...]

Easy Design Trends to Incorporate in 2018

Spring is the perfect time to freshen up your home’s look and feel. If you want to make a change but aren’t sure what to do, check out these top home design trends for 2018! 1. Open kitchen shelves Limited storage is a big problem in little kitchens. You can get more from your space if you open up your kitchen shelves. For most people, this just means taking the cabinet doors off some or all … [Read more...]

3 Ways the New Tax Law May Affect You

There are some pretty big changes coming for homeowners as a result of the tax reform legislation enacted last December. The available deductions and exemptions may change depending on whether you itemize your deductions in 2018 or take the standard deduction. The effect of the new tax law will vary depending on a variety of factors such as income level, whether or not you have a vacation home, … [Read more...]

5 Must-Know Tips Before You Power Up the Pressure Washer

It’s the time of year when we start fantasizing about backyard picnics and BBQs in gorgeous weather. If your fantasy involves clean patio furniture and a grime-free deck, you’ve probably considered powering up your pressure washer. Before you get started, here are some things you need to know. 1. Power and pressure washing are not the same thing. Power washing and pressure washing both use … [Read more...]

Weird, But True: Fancy Bath Salts Can Help Sell Your Home

You’re not just selling a home, you’re selling a lifestyle. We get it. You’re pragmatic. You’ll buy that deep cleaning and de-cluttering your house are important steps in a comprehensive home staging process that could help your home receive higher offers and sell faster. But what’s up with those staging recommendations like making your bathroom feel like a spa and your kitchen smell like Rachael … [Read more...]

DISPELLING REFINANCING MYTHS

“Refinancing” is a scary word for many people, but that shouldn’t be the case for you. For many homeowners, refinancing can not only lower your monthly payments and help with your monthly budget, but it can save you thousands of dollars in the long run. YOU’RE NOT TOO LATE. For years now, we’ve been hearing that interest rates will be on the rise, and although there have been some small … [Read more...]

SHORT SALES AND FORECLOSURES: HOW ARE THEY DIFFERENT?

As unfortunate as it can be when homeowners fall behind on mortgage payments and must face the possibility of losing their homes, short sales and foreclosures provide them options for moving on financially. The terms are often used interchangeably, but they’re actually quite different, with varying timelines and financial impact on the homeowner. Here’s a brief overview. A short sale comes into … [Read more...]

Which Down Payment Strategy is Right for You?

You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders. But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather … [Read more...]

Five Money-Saving Green Upgrades

Going green is great for the environment, but that’s not the only benefit. When you make green upgrades in your home, it can also lead to some major savings. Solar panels: The upfront cost is big, but the long-term savings are huge. Solar panels will cost several thousand dollars to install, but ongoing maintenance costs are very low, and a typical system could save you hundreds of dollars … [Read more...]

Priority Tasks for Your Move In

Moving into a new home is an exciting time, and you’re probably daydreaming about decor and paint schemes and new furniture. But before you get into the fun stuff, there are some basics you should cover on your priority list first. Change the locks Even if you’re promised that new locks have been installed in your home, you can never be too careful. It’s worth the money to have the peace … [Read more...]