Lisa Westerman's Blog
18 Lewis St., Rutland, MA 01543
Attending an open house should be a fun, exciting experience. An open house enables you to view a residence and determine whether a home is right for you. As such, if you know what to expect from an open house, you can plan ahead and maximize the value of this event.
Preparing for an open house can be simple. Now, let's take a look at three tips to help you get ready to attend an open house.
1. Review a Home Listing
A home listing enables you to learn about a house's age, condition and other factors. Thus, you'll want to review a home listing closely to ensure it is worth your time to visit an open house.
If a home listing grabs your attention, it may be beneficial to attend an open house. That way, you can get an up-close look at a residence.
On the other hand, if a home listing fails to garner your interest, you may want to consider other residences. Because if you attend an open house for a residence that falls short of your expectations, you risk wasting precious time and resources.
2. Put Together a List of Questions
When it comes to preparing for an open house, it often helps to put together a list of questions about a residence. By doing so, you can ask pertinent questions about a home and gain the insights you need to decide whether to submit an offer.
There is no such thing as a "bad" question to ask during an open house. Therefore, you should be unafraid to ask any questions about a house when you attend this event.
Remember, the more information that you have about a home, the more likely it becomes that you can make the best-possible decision about a residence. If you ask plenty of questions during an open house, you can obtain home insights that you otherwise may struggle to receive elsewhere.
3. Consult with a Real Estate Agent
An open house may prove to be a daunting experience, particularly for those who are pursuing a home for the first time. Luckily, real estate agents are available who can help you plan ahead for any open house, at any time.
With an expert real estate agent at your side, you can get the support you need to succeed during the homebuying journey. In fact, this housing market professional will learn about your homebuying goals and ensure you can accomplish them in no time at all.
Typically, a real estate agent will keep you informed about open houses in your city or town. This housing market professional is happy to attend open houses with you and offer homebuying insights and recommendations as well.
If you want to get the most out of the homebuying journey, it pays to hire an expert real estate agent. Reach out to a local real estate agent today, and you can hire a housing market professional to guide you along the homebuying journey.
Most homes have some sort of an office space set up. Whether you work from home 100% of the time, use your office space from time to time, or just need a space to pay your bills and do a bit of paperwork, your home office space should be comfortable. You’ll need a bit more than a table and chair that is shoved into a corner somewhere in your home. Here are some tips to help you create the perfect home office:
Find The Perfect Space
You’ll need to find a good space for your home office. You should choose a space that doesn’t have too many distractions and is fairly quiet so that you can work. If the nature of your work requires you to have clients stop by, you’ll want to set up the office much differently than if you’re a writer who just enjoys a bit of activity around them.
Everything That You need Should Be In The Space
While home office furniture should complement furniture in other rooms of the home, you need to be sure that it’s functional. Don’t forget comfortable chairs, a good sized desk and a comfortable desk chair for the office. You can even add some of your favorite decorative pieces in the apace that make you happy and feel peaceful while working.
Keep The Color Theme One That You Love
Forget bland colors. Paint the walls of your home office a color that you love. If the walls feel vibrant, so too won’t your work feel that way. The color of a room really sets the tone and the mood for a room. You can match your decor around the color that you choose. While you don’t want your office to be sleepy, you also want to choose a color that will keep you calm and focused while working.
Organize The Room Both Ways
If you use your space in the home office both across and upward, you’ll have much more space to store whatever you need in the room. Everything that’s important will also be within an arm’s reach of you.
Decorate How You Like
Don’t forget that while this is an office, it’s yours right in your home. Just as if you were going to work and would put a picture of your family on your desk, you’ll want to add personal decorative touches to your home office space. These items could include kids’ artwork, vacation pictures, or pictures of places that make you feel happy and peaceful.
Your home office space should be a place of productivity and inspiration. Create it as a separate space, yet an equally stylish part of your own home.
No income verification mortgage loans sound like a great idea. Also known as stated loans, these are easier to obtain than traditional mortgages. You won’t have to go through endless amounts of paperwork that traditional mortgages require. Think again. These types of loans are high risk and borrowers may have a hard time paying these loans back. Many lenders have removed these kinds of loans from their list of options. In certain circumstances, these loans can work for you, but you have to do your homework.
Where Can You Get A Stated Loan?
Some lenders still provide these stated loans with no verification process required. Unlike earlier times, these loans are now pretty difficult to obtain. Typically, this type of mortgage is geared towards the self-employed and requires a large down payment. Also, the borrower must have a very good credit score to be considered for the loan.
Are Stated Loans Unaffordable?
Since these loans come at very high interest rates, they are often seen as unaffordable due to the high monthly payment. Stated loans can have double the interest rate of what the current available mortgage rates are. However, if you don’t have many options, or are in a hurry to get a home and have money in the bank, it could work well for you.
Could A No Income Verification Loan Be Right For You?
If you really want a home loan, the first step is to be truly honest about your income. If you find a beautiful home and know that it’s out of your price range, you could risk defaulting on the loan.
To truly understand what you can afford, you’ll need to figure out all of your monthly expenses including taxes, mortgage insurance, phone bills and grocery bills. This will give you a full picture of your finances. Once you look at all of these factors, you may find that it does make the most sense for you to get a no income verification loan.
Deciding On The Type Of Loan You’ll Get
If you find that you need a lower monthly payment, it may make more sense for you to go after a traditional home loan. If you’re self-employed and know that your options are limited, a stated loan certainly is an option for you, you’ll just need to understand the risks of the entire process. You’ll also need to have a bunch of documents ready for the lender once you decide to go for the home loan. You can compare the costs of a no income verification loan to a traditional mortgage. Then, you can ask your lender what they’ll need from you in order to verify everything for the traditional mortgage. Any good broker can help you through your decision-making process. You’ll want to be well informed and compare all of the programs along with their fees. You should get recommendations on a lender who has the knowledge and experience to help you find the home loan that’s right for you.
Homeowners have become increasingly aware of the dangers that face them and their homes. More Americans than ever lock their doors at night and own home security systems to protect themselves and their homes from intruders.
However, one danger that many homeowners aren’t prepared for is posed by scammers. These scammers are innovative and use tools like the internet and the semblance of authority to their advantage. What’s more, the nature of their scams is always evolving.
In this article, we’ll cover some of the most common scams affecting homeowners. We’ll talk about how to protect yourself from these scams and recognize them so that you and your home can avoid potential disaster.
There are few things more concerning to a homeowner than the thought of losing their home. Scammers take advantage of these fears by promoting “relief programs” that promise to reduce your monthly payments or otherwise protect you from being foreclosed on.
The scam here is that these companies might not help you at all but will still charge for their services. They’ll often browse public foreclosure notices or post ads online. When they reach out to a homeowner they’ll do so via a letter that seems personal and professional. They could also call your phone or send you an email offer.
By U.S. law, such companies cannot charge you for any services unless they successfully help you gain relief from your lender, and even then you must still accept the offer before the relief company can ever charge you.
Home maintenance and repair
One of the more dangerous scams on our list involves something seemingly innocent--a knock on your door to let you know your roof needs repair. While some startup companies may go door-to-door offering their services, most of the time this should send up a red flag. There are a few potential scams that come in the form of a person in work uniform knocking on your door.
First, a company might be selling real services, but they could be services you don’t need. Make sure you understand facts about your home, such as the last time your roof was repaired. This will help you avoid making a bad deal to replace something that doesn’t need replacing.
Also be sure to never let someone into your home, regardless of their uniform, if you are alone or it’s late at night. Someone may be dressed like a salesperson or utility worker, but they could in reality be doing research on your home and your valuables. Would-be burglars can often spot your valuables, and see how secure your home is before coming back when no one is home.
Protect your identity
The issue of identity theft has been in the public eye with the rise of online communications. However, one of the easiest ways to steal your valuable information could be sitting right in your mailbox or in your garbage can.
Always be sure to shred papers that have personal information on them. And, if you go away on vacation, ask a neighbor or relative to bring in your mail for you. Not only will this help keep your identity safe, but it will make it look like someone is at home by keeping the pile of mail and newspapers outside low.