Monday, 26 June 2017 00:19

From a sophisticated couch to a stunning art print, there are plenty of ways that you can dress up your living room and instantly change its vibe. You may not realize it, but wallpaper is back in fashion and becoming another popular way to instantly re-vamp a room. If you're contemplating ways that wallpaper can benefit your space, here are some options you may want to try out. 

Add An Accent 

A brightly colored accent wall may have been a popular trend a few years ago, but a way to bring it back into current fashion can be to add wallpaper. In addition to a fun print, wallpaper can instantly add elegance without overpowering the look of your living room. 

Cover The Closet Doors. 

There can be too much of a good thing, so if you've come across a wallpaper pattern you like, try applying it to the front of the closet doors. It will be an easy way to dress up your doors without adding a coat of paint and will add a subtle effect that will go with your room's décor. 

Add In Some Personality 

With wallpaper making a comeback, there are so many options that allow you to personalize your wallpaper and make the room your own. Posters of your favorite rock band may be outdated, but unique wallpaper can be a great way to inject your own passions into your favorite room. 

Make It Your Wall Art 

Many homeowners struggle with how to dress up their walls appropriately, but choosing wallpaper can be a great means of avoiding this dilemma. Instead of an art piece, you can choose strips of wallpaper to provide visual interest or paper a whole wall that will act as the focal point of your room. 

Upgrade Your Coffee Table 

It's often the case that people buy oversized books to decorate their coffee table, but you may want to make the addition of wallpaper if you have a glass surface on your table. Instead of leaving your table neutral, add a patch of wallpaper under the glass for an instant designer look. 

With wallpaper making a comeback, there are plenty of ways to dress up your room for little cost that will make a huge difference in the look of your space. If you're currently in the market for a new home, you may want to contact one of our real estate professionals for more information.

Monday, 26 June 2017 00:15

From 'down payment' to 'adjustable rate' to 'debt-to-income' ratio, there are so many terms involved in the mortgage process that it can be hard to learn them all and keep them straight. However, whether you've heard it, the term 'amortization period' might be one of the most important ones associated with your financial well-being. If you're currently considering the period of loan you should choose, here are some things to think about before taking on a term. 

What Is Amortization? 

Used to refer to the length of time it takes to pay off your mortgage loan, a typical amortization period is 25 years. However, there are many periods over which homebuyers can choose to pay off their mortgage. While many homeowners opt for what works best for them, it can be the case that a shorter mortgage period will be more financially beneficial eventually. It may not only mean lower overall costs, it may also mean financial freedom from a loan much sooner than originally anticipated. 

The 'Principal' Of The Matter 

It's important to have a monthly mortgage payment amount that's sustainable, but a shorter amortization period means that you will be paying a higher amount of the principal and paying more on the actual loan amount. While a longer amortization period will add up to more interest payments and less paid on the loan cost each month, a shorter period can end up costing you less for your home when all's said and done. 

Considering Your Loan Period 

It is understood that a shorter amortization period will pay down the principal sooner and cost less over time, but that doesn't mean that it's the best choice for you. Because your monthly payment will be taking a sizeable chunk out of your salary, it may be difficult to swing a higher payment to pay off your loan in 10 years. If it's doable without compromising your quality of life, you may want to choose this option, but if there's too much sacrifice you may want to opt for a longer loan period.  

Everyone has a choice in the amortization period that works for them, but it's important to make your decision based on what works for you and will be beneficial for your finances. If you're currently getting prepared to invest in a home, you may want to contact one of our local mortgage professionals for more information.

Monday, 26 June 2017 00:11

Without a doubt, it can be both overwhelming and exciting to find your dream home and be able to put the money down for it. However, there are a lot of things to know before signing on the dotted line so you can avoid buyer's remorse. Instead of going it alone, here are a few tips to keep in mind before you decide to commit to your new home. 

A Good Agent Is Important 

Many homeowners want to find the right place on their own, but having an agent along to assist you in the process can go a long way towards finding your ideal home at the right price. Instead of risking it, choose an agent that comes highly recommended and has an abundance of experience in the business. 

Is The Price Right? 

It's easy to be taken in by a beautiful home, but before putting money down you'll want to calculate your debt-to-income (DTI) ratio to make sure it's within reach. You may feel like you can make it work, but paying a too-high mortgage will become a drain over time and may ruin the happiness of your home investment. 

What's The Potential? 

When it comes to first-time buying, many potential homeowners go into it with unrealistic expectations. However, demanding too much of your investment can mean you miss the gems that have a lot of hidden potentials. Instead of saying 'no' right away, consider what you can improve for little cost. 

Researching The Neighborhood 

The focus for many homeowners is the house, but 'location, location, location' is a cliché for a reason. Instead of focusing only on your home, ensure you'll be living in a neighborhood where you can feel safe and will have access to all the amenities you need. 

Investing In An Inspector 

A home inspection may feel like a formality, but it's important to have the right inspector so they will notice maintenance items that can hugely impact your finances. While little items that need to be fixed-up are not a big deal, issues with the foundation or the roof can cause major grievances if they're not detected. 

There are a lot of things to keep in mind when it comes to buying a home, but by doing your research and being aware of your financial outlook, you'll be well on your way to a good investment. If you're currently in the market for a home, please contact one of our real estate professionals for more information.

Monday, 26 June 2017 00:07

The mortgage application process can be fraught with a lot of stress on its own, but if you've experienced issues with your credit in the past it can be even more taxing. While there may be a lot of things you may not be aware of when it comes to their impact on your credit, here are some things to watch out for if you're planning to purchase a home in the short-term future. 

Applying For Extra Credit 

Whether you've just been offered a great new deal by a department store or you're not even thinking about it, new credit cards can pop up with deals that are quite enticing at the moment. Unfortunately, applying for new credit can signal to lenders that you've run out of credit on your other cards. Not only that, it will also have an adverse impact on your credit score each time you apply for new credit. If you're considering a mortgage soon, it's a good idea to hold off on any additions to your wallet.  

Not Paying Your Bills 

It may seem straightforward enough that not paying your bills is going to land you in hot water with your credit score, but many people think paying the minimum at any time will do. The truth is that if you want to keep your credit in line and improve your odds, it's important to pay your minimum before the due date and always pay your bills. The only thing deferring payments will do is add marks against your credit, and this will be damaging come application time.  

Don't Avoid Your Credit Report 

Many people who have a poor credit history are aware of the situation, but they're also unwilling to address it. While it may be difficult to approach your credit report if you've had some hiccups in the past, it's important to know what point you're working forward from so you can move beyond it. Instead of ignoring it, get a copy of your credit report, and review the numbers. Not only will this enable you to address any errors, it means you'll be facing your issues head on.  

There are several factors that can adversely affect your mortgage application, but by avoiding new credit and paying your bills on time you can have a positive impact on the result. If you're currently in the market for a new home, you may want to contact your local mortgage professional for more information.

Monday, 26 June 2017 00:01

A home inspection may be one of the last things that needs to be done before the deal is sealed. However, it's very important to have a proper inspection done so that you can ensure you're offering price is appropriate for the home you're getting. If you're prepping for an inspection soon, here are some things you'll want to consider beforehand.  

Choose A Good Inspector 

Like a good agent, the right inspector is going to have expertise in what they do and know what to look for. They will not only find the small fix-ups, they'll be able to highlight the potentially huge issues that may arise down the road. 

Prepare Your Papers 

Your inspector may be able to do their job well on their own, but if you've noticed any issues when you've visited the house, it's important to address them. While they may amount to nothing, an inspector will be able to clear up any confusion. 

Ask The Questions 

Whether you're experienced with real estate or not, ask the questions you want to ask whether they make you feel like a novice. Even if the answer is simple, it will give you the information you're looking for. 

Get The Lowdown 

It might seem like a bridge too far, but talking to neighbors in the area can give you a good sense of the overall upkeep of the home. While it's unlikely you'll get any unfortunate tales, people in the area may be able to illuminate you on the house's history. 

Partake In The Inspection 

It's good enough for many a homeowner to get a written report, but going along to see the house can facilitate conversation and may give you insights into what to watch out for. It may also mean you have a clearer idea of any potential issues. 

Facilitate The Discussion 

If there are significant issues with the home, it may be worth talking with the inspector about dealing directly with the contractor. While this may or may not be necessary, it's a good way to ensure any problems will be effectively communicated and can be rectified. 

A home inspection may be par for the course, but by asking the right questions and being involved you can ensure you'll get the most out of your inspection. If you're currently in the market for a home, you may want to contact one of our real estate professionals for more information.

Sunday, 18 June 2017 09:12

Every open house involves so much clean up and de-cluttering that it's often easy to forget about the first thing your guest will see when they arrive; the exterior! Instead of foregoing the first impression, here are some tips for fixing up your yard and all its vegetation so you can make a positive impression on potential homebuyers.

Sunday, 18 June 2017 09:08

For most people, the idea of saving more money each month is enough of a burden without having to think about investing in a home. A down payment, however, will require a lot more saving know-how and a lot more in liquid assets in order to be able to buy. If you're trying to find ways to save a bit more each month, here are some sure-fire tips for raising the extra funds.

Sunday, 18 June 2017 09:03

Most homeowners get used to a certain aesthetic in their own home that they're comfortable with, but if you're putting your home on the market it may be time to get rid of some of the old familiarities. While it won't be worth your time or money to renovate everything, here are a few design-style duds that you may want to update before you decide to sell.

Sunday, 18 June 2017 08:58

It can be hard to stay on top of a changing real estate market from day-to-day, but it's a matter of fact that there are more available mortgage products out there than ever before for many kinds of homebuyers. If you're wondering how you can take advantage of easier lending opportunities and strike while the iron is hot, here are some things to consider.

Sunday, 18 June 2017 08:54

With low interest rates and uncertainty as to where the real estate market will be in the next six months, many people are opting into ownership and investing in a home. Interestingly, according to the National Association of Realtors, approximately 17 percent of homebuyers in the United States last year were women, which is a much higher percentage than the 7 percent of single men who invested in a home. While the statistics may be interesting enough on their own, here are some of the reasons why women may be opting in.

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