Cheryl Fleming, GRI, ABR's Blog
When you buy a home, there’s more to shop for than just the right place to live. Before you settle with a lender, you should shop around a bit. You want to be sure that your lender has your very best interests in mind when you’re in the midst of making one of the biggest purchases of your lifetime. Below, you’ll find some of the most important questions that you need to ask a lender while you’re in the process of buying a home.
Do You Offer Any Special Programs?
Choosing the right lender involves choosing a firm that offers the types of programs that will be helpful to your specific situation. You should look for a lender that offers a wide array of loans to suit your needs. Beware of any lender who tries to push you into a certain type of loan, especially if you don’t feel that it is a good fit for you.
Do You Understand The Terms Of Certain Types Of Loans?
If you are seeking a certain type of loan, you probably should tell your lender that upfront. Of they seem familiar with it and have worked with the loan before, you’re in good hands. If the type of loan that you’re looking for is more uncommon, then you may need to shop around carefully for the right lender who understands your needs.
Do I meet The Qualifications For Specific Loans?
The requirements for the same loan at two different lenders could be different. Things like your credit score could be a big factor. If you have a less than desirable credit score, this would also prompt you to want to look around a bit. You should know that different lenders have different terms and looking at a few lenders could be beneficial to you.
What Are The Mortgage Rates?
You’ll need a general ballpark idea of what rates will be for you when you finally secure that home loan. Keep in mind that rates fluctuate often and that an estimate will be just that. It’s not a number that will be set in stone, however, it will give you a good place to start as you shop around for a loan.
Do You Help With Down Payments?
There are many down payment assistance programs available and your lender can help you to navigate them. The more you put down, the better your interest rate will be. If the amount that you’re able to put down on a home is a factor for you, definitely discuss it with your lender.
Can You Provide Pre-Approval Proof?
In hot real estate markets, you’re going to need some proof that you’re pre-approved in order to have the upper hand once you put in an offer on a home. Your lender should be able to provide your real estate agent with a certified letter of your pre-approval and the amount.
Choosing the right lender is just as important as choosing the right realtor and the right home to buy. It’s just another part of the home buying process!
33 Deernolm St, Grafton, MA 01536
When you’re preparing your home for the market, your main goal is to make it as desirable as possible to potential buyers. Not only will this gain more attraction from interested parties, but it can also help you out in a bidding war by making your home stand out among the rest and therefore increasing the final sale value.
Many of the ways to increase the desirability and curb appeal of your home involve costly home improvements and upgrades. However, there are some simple solutions that can make an impact and might just be enough to tip the buyer in favor of your home.
Today, we’re talking about the value of marketing a spotless, freshly cleaned home. The benefits are many. But, among them are the chance of increasing your sale value, attracting more potential buyers, and demonstrating to them that you’re the type of homeowner who has cared for their home.
Read on for some of the most important cleaning tips to help you along the process of selling your home.
1. Decluttering helps in more ways than one
When you’re ready to sell your home, the last thing you want to be thinking about is finding places for all of your belongings that you’ve accumulated over the years. People interested in buying your home won’t want to visit a house filled with your personal belongings, as it will make it harder for them to imagine their own decorating style in the house.
To make this whole process easier, it’s a good idea to declutter and pack away things that you won’t necessarily need until you move into your new home. You’ll also be doing yourself a favor later by packing boxes now that won’t have to be repacked when you move to your new home.
2. Mold and mildew
Bathrooms and kitchens are especially vulnerable to these two culprits that can be a huge turn-off for potential buyers. You’re going to want to carefully inspect these rooms for signs of mold and mildew and eliminate them. Non-streak and bleach-based cleaners are ideal as they can help your glass and tiles shine like new.
Remember to make sure these are clean before you have real estate photos taken or your listing and before having any potential buyers over to show your home.
3. Deep dusting
You know those corners of your home that you always think, “oh well, no one will ever see back there anyway”? Well, people interested in buying your home will likely want to look in those corners and might be off-put by piles of dust.
If you have a hard time seeing because parts of your home are dark, set up some portable work lights while you’re cleaning to ensure you’re getting the job done.
Finally, don’t forget to clean the tops of ceiling fan blades and behind your kitchen appliances, where few seldom go.
4. Gutters are a giveaway
Clean gutters are a sign that a homeowner cares for the long-term maintenance of their home. So, if you haven’t been quite keeping up with gutter cleaning, now is the time to do it.
5. Pressure washing can be worth the cost
If there’s one thing that’s worth spending money on for cleaning an older home, it’s usually power washing. Vinyl siding is low-maintenance, easy to install, and relatively inexpensive. But, it does get dirty from time to time.
Hiring a power washing service or renting a pressure washer can be a good way to make the exterior of your home look like new again.
7 Rice Rd, Auburn, MA 01501