What Credit Score Do You Really Need To Buy a House?
When you’re thinking about buying a home, your credit score is one of the
biggest pieces of the puzzle. Think of it like your financial report card
that lenders look at when trying to figure out if you qualify, and which
home loan will work best for you. As the Mortgage Report says:
Builders Are Building Smaller Homes
Contractors Are Building Smaller Homes There’s no arguing it, cost is still tight. And if you’re attempting to purchase a home, that might suggest you need to look at smaller houses to discover one that’s still in your budget. There is a silver lining: builders are focused on building these smaller sized homes right now…
Why So Many People Fall in Love with Homeownership Your home…
Why So Many People Fall in Love with Homeownership Your home ought to be an area that’s distinctively you. When you own a home, you may also discover you feel far more at home in the neighborhood. A home is a place that reveals who you are, a safe location for the ones you like…
How To Cut Energy Costs in your house If you’ve found that y…
How To Cut Energy Costs in your house If you’ve discovered that your electrical power, water, heating, and other energy costs are increasing, it’s time to welcome a couple of brand-new regimens. You can quickly reduce energy costs by taking a few standard actions to reduce intake. Incandescent ones are presently being phased out, and…
Cost Savings Strategies Every First-Time Homebuyer Needs To …
Cost Savings Strategies Every First-Time Homebuyer Needs To Know If you have to move money by hand, you may forget to do it. Ask your business if you can have your income deposited into many accounts– if so, recommend it to send a certain portion of your income directly into your cost savings account. It…
Why More Sellers Are Hiring a Real Estate Agent
In today’s complex market, even more homeowners are realizing they need to
use an agent when they sell. And that’s because selling without an agent
means taking on the pricing, paperwork, and more by yourself. So, ask
yourself: do you really want to take that on? Or do you want an expert to
handle all the hard work for you?
There’s No Foreclosure Wave in Sight [INFOGRAPHIC]
Headlines saying foreclosures are rising might make you feel uneasy. But
the truth is, there’s no need to worry.
* If you look at the latest numbers, they’re still below pre-pandemic
norms and way below what happened during the crash.
* If you’re worried about a flood of foreclosures, the data shows a
foreclosure crisis is not where the market is today and is not where
it’s headed.
What To Love (and Hate) About Corner Lots: Factors to Consid…
What To Love (and Hate) About Corner Lots: Factors to Consider Before Buying Back in the ’90s, when designers initially started building cookie-cutter McMansions, contractors had a bumpy ride offering corner lot homes. One of the most considerable advantages of a corner lot is the increased backyard area it uses compared to other regular lots….
Which Kitchen Countertops Are Most Desirable for Home Resale…
Which Kitchen Countertops Are Most Desirable for Home Resale? Granite cooking area counter tops are acquiring plenty of traction in the home improvement area. Quartz kitchen counter tops are emerging as one of the more sought after alternatives in contemporary properties. Just keep in mind to check various types of cooking area countertops and pick…
How to Take Care of Your Vacation Home in the Off-Season
As summer winds down and you soak in the remaining days of sunshine, you’ll want to start thinking about preparing your vacation home for the off-season. Properly closing everything up is essential, whether you host short-term rentals or live there part time. Ensure your vacation home remains safe and secure for months of vacancy with these 10 tips.1. Make Necessary UpgradesThe off-season is the perfect time to upgrade your holiday dwelling. As life becomes more hectic and bookings slow down, you can take better stock of what you need to fix. Perhaps you’ve wanted to give the house a fresh coat of paint or renovate the kitchen. If you’re a host, imagine how many renters you’ll entice with a newly renovated home in the coming season.Hiring a property management company may also be worthwhile in taking care of housekeeping, landscaping and maintenance for you while the house is unoccupied.2. Reset the ThermostatEven Florida is known for having occasional freezes with bursting pipes, but setting your thermostat too high will result in unnecessarily high heating and cooling costs. The U.S. Department of Energy recommends programming your thermostat back 7–8˚ Fahrenheit for eight hours daily from its typical setting. Another rule of thumb is to leave it at 68–70˚ F in the wintertime.A smart thermostat allows you to manage your vacation home’s indoor temperature remotely using your smartphone. You’ll no longer have to worry about traveling to the property when the weather turns, reaping the benefits of energy savings.3. Double-Check the Windows and DoorsIt would be an unpleasant surprise to reopen your vacation home months later and find it torn apart or sheltering squatters. Checking the locks on windows and doors could be your saving grace for preventing theft during the off-season.The garage door also needs securing — approximately 9% of break-ins occur through it. Many garage door openers have a “vacation mode” you can press to prevent access from the outside.4. Unplug DevicesUnplug appliances, televisions and other devices — including alarm clocks and coffee makers — before closing up your vacation home for the winter. This will prevent phantom loads from driving up utility costs and avoid damage from electrical surges.A coffee maker isn’t going to break the bank on its own. However, when you factor in other kitchen appliances — like the microwave, toaster oven and the small countertop television — you could save $10–$20 in electricity expenses annually.5. Use Smart Home TechnologyAside from smart thermostats, there are other modes of smart home automation to help you care for your vacation property during the off-season. Smart lighting gives the impression your home is occupied by allowing you remote access to switches, deterring potential burglaries.You can also set up a smart home security system with remote surveillance and control over the alarm. Keyless door locks, motion sensor outdoor lights and security cameras are other effective technologies you can utilize during the off-season.6. Contact Your Insurance CompanyMost vacation homeowners might not consider contacting their insurance providers to let them know the home will be vacant for the coming months. However, the company might have specific demands to maintain your home’s coverage while you’re gone.There’s a good reason why homeowners insurance premiums are 2–3 times more expensive for a vacation home — there tend to be more claims during off-seasons than at a primary residence. Yet, off-season coverage usually includes fire- and weather-related property damage, theft, and loss of personal belongings. Likewise, it protects other property structures like poolhouses, docks, sheds and detached garages.7. Seal Toilets, Drains and PipesThe last thing you want is to return to your vacation home at the start of the next season, only to find your property crawling with critters. Pests and rodents find sneaky ways to enter an unoccupied house, including toilets, drains and ventilation pipes.For example, snakes may crawl into vent stacks for food and shelter, but these pipes usually connect to home plumbing fixtures. Rats may also enter your vacation home through toilets. In fact, they can squeeze their way into any ½ inch opening easily or by gnawing and climbing.Remember to close toilet bowl lids and plug sink drains before closing your vacation home for the off-season. Some people seal the toilet bowls with plastic wrap or secure mesh around ventilation pipes to close off all access points to the house.8. Store Any ValuablesMost vacation homeowners have an owner’s closet to store their personal effects for safekeeping during short-term rentals. This closet usually remains locked unless the homeowner stays at the property.Although hosts know better than to keep expensive items lying around during bookings, there may still be things you want to protect. Place all valuables in the owner’s closet during the off-season. Although you’ll take other precautions like locking doors and setting the alarm, you can never be too careful. Whatever doesn’t fit in the owner’s closet should go home with you.9. Dispose of TrashBefore vacating the property, go through the refrigerator and cabinets to ensure you don’t leave any food behind. It could be months before you return and you don’t want to find mold or foul odors.Likewise, check the garbage bins throughout each room and dispose of all trash. Even bathroom debris will attract bugs.10. Do a Deep CleanOnce you’ve finished preparing your vacation home for the off-season, give it a deep cleaning. Even if you keep up with housekeeping during your extended stay, it’s best to sanitize thoroughly — this is especially true if you’ve had short-term renters.It’s worth hiring a cleaning company to come in and do the heavy work for you. You might also want to consider bringing in another crew before you reopen the following year. Your vacation home will look and feel fresher when it’s spotless, and you can rest assured you’re closing a germ-free house.Close for the Off-Season Without WorryClosing your vacation home for the off-season may make you feel vulnerable — after all, anything can happen when it’s vacant for months. Fortunately, when you take care of the essentials beforehand, you can lock up without worry.