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4 Things No One Tells First Time Homebuyers in Santa Clarita

Gohomenew 4 Things No One Tells First Time Homebuyers in Santa Clarita buying articles

 

First time homebuyers in town are told a lot of things —
“Save your money,” their parents advise.
“Location, location, location!” their friend’s friend cautions.

Reasonable advice, for certain. But there some important elements of the home buying process which a typical local first time homebuyer doesn’t usually hear. I’ve listed some of the most important ones, in no particular order:

 

1.    Mortgage rates you see advertised aren’t usually what you get

The banner ads are everywhere online: “3.2% rates!” “No money down!” But the truth is, mortgage rates vary greatly. The only way you’ll know what rates you actually qualify for is to go through a complete mortgage application including credit pulls and income verification. One more point to consider: online mortgage calculators, while handy, can be deceptive if you do not factor in the real cost of tax, insurance and PMI when you’re looking at an FHA-loan.

2.    Every Tiny Bit of Debt Counts

Think that $1400 left on your Visa isn’t going to matter? Think again. Every iota of debt weighs in when your credit is scored. What many local first time homebuyers aren’t told is that when you apply for a mortgage, nearly every element of your financial history is going to be analyzed with a fine-toothed comb. All debt will be factored in as the bank figures out how much it is willing to lend. Standards have stiffened, so the earlier you dispose of even small issues, the better.

3.    Your Choice of Agent Makes All the Difference

Let me guess: your friend’s friend also has an agent to recommend (she carpools with his sister’s next door neighbor). There’s no reason you shouldn’t interview her: maybe that’s the right fit for you. But don’t just sign up with the first agent you find: this is a working relationship that can shape your family’s future. Your agent’s connections, experience, and market knowledge will be key — and can well make the difference between your writing an offer that gets accepted or not.
(Coming Next: Another 4!)

Smooth Relocation by Buying a New Home Is Not A Dream Anymore.

Buying a new home in Southern California means a reason for celebration with family and loved ones. But often, this big day of enjoyment is followed by a great deal of confusion, when you are forced to stuff all your belongings into boxes. Usually, people find it extremely difficult to tackle this situation and it turns out to be an absolute mess. Moving your entire life into boxes from one location to another can be stressful without proper planning.  However, you can avert this condition by resorting to realtors who not only help you get the best property deals, but also facilitate packing and moving.

2982400845 1878758a4a Smooth Relocation by Buying a New Home Is Not A Dream Anymore.  buying articles

Source: Flickr Creative Commons

If you are staying at Southern California, you can take the help of packers and movers. But, it is you who has to supervise the entire course of packing. Start discarding the things you don’t need. Handle one room at a day, as this would help make the task easier and also avoid confusion. You can narrow down on the items that you would actually need to carry to your new house. Don’t hesitate to give up those extra things, which only occupy space and never find use. In the process, you will come across many items, which can be given away for charity. Pack the items that are needed later, first.

Life for people in Southern California is busy, and so there is no room for wasting time. A list of things to do before packing helps. Plan even the smallest things because it can create problem for you, if not taken care of, properly. Reduce the cost of relocation by selling the junk lying in your garage, and earn some money in the process. Collect packing essentials before hand, and not to wait for the last moment. In this way you may be able to manage cardboard boxes from places, where they are dumped by people who don’t need them anymore. Try to get extra moving supplies because it is most likely that you will need more than you think. Crucial things like Wi-Fi connection should be arranged at least a week before you move to your new place at Stevenson Ranch.

Before you gear up for packing, it is important to classify your belongings by priority of unpacking. Those, which need to be unpacked first, should be stuffed in the boxes marked as such. You can use colors to denote different rooms where the contents of the box will find place and mark the boxes accordingly. Since, you have more important things to look into, delegate such jobs as cooking to a friend, if possible. Prepare a list of all those you need to notify about your residence change, and inform them at least a week ahead of your relocation.

Home Improvement Projects Strategies

Home Improvement Projects Strategies

Do we ever feel like we learn simply enough regarding house improvement? Let’s see when you could fill inside a few of the spaces with all the newest information from house improvement experts. Home improvement projects is thick found on the purse. As much because you wish To provide the projects to expert companies that could deliver good results, occasionally, it’s merely more useful to have a small exercise plus do these projects without the assistance of companies. People dig into their savings or resort to different financing only to finance these projects plus this consequently makes them lose their financial momentum.

Home improvement techniques could enable homemade fanatics result in the almost all of their house improvement projects. In general, many individuals whom undertake house improvement projects do thus for 2 primary factors. The initially aim of the house improvement project is the addition of hot ingredients which might enhance the bodily aspect of the home.

A house improvement project is usually a worthwhile venture which has various blessings. Most house improvement projects happen from a certain need in the house. On the other hand, additional kind of house improvement projects are geared towards upgrading the house.
Any house improvement project whether big or little demands considerable planning. Every house improvement needs time plus revenue, both of that are resources which can not be changed when invested. Careful planning assists make sure both resources are utilized smartly inside purchase to achieve the desired results.

Before undergoing any house improvement project, it really is significant to consider each aspect of the project. Avoid heading into any project without initially considering the advantages and disadvantages thus because to avoid losing valuable time, power plus funds. Fortunately, there are different resources which are accessible to homeowners interested inside undertaking a house improvement project.

The information regarding house improvement presented here might do 1 of 2 things: either it can reinforce what we understand regarding house improvement or it can teach we anything unique. Both are advantageous outcomes.

Below are several homemade house improvement projects inspirations which could reduce about expenses plus generates savings within the project.

1) Painting
If a family is tired plus bored with all the present hues of their home, they will do the painting themselves. Painting the apartment together is a remarkable method to bond plus have fun whilst improving the house simultaneously.
Many people who attempt to paint their houses have difficulties that are connected to the wrong selection of painting components. We should remember which inexpensive paint is not the path to take whenever painting the apartment.

2) Kitchen
Installing ceramic tiles found on the countertop or the floor is regarded as them. There are a great deal of resource contents which are available, specifically found on the Internet which offers a step-by-step guide for you to install these ceramic tiles.

3. Installing wallpapers
Giving a home’s walls a hot look is a excellent method to do house improvement. Wallpapers can be obtained from house improvement stores plus shops. The different designs include hand prints that are imported, there are thick textured wall forms, there are designs that are embossed.

There we go, certain simple tips for you to go regarding improving the house without the assistance of companies. It takes a great deal of practice, time plus commitment to receive a house improved, yet when performed correctly, the task as well as the output will provide fantastic reassurance.

When word gets about regarding the control of house improvement details, others whom have to learn regarding house improvement might commence to actively find we out.

Choosing the Right Community for You

If you are buying a home, one of the first things your real estate professional will do before taking you on home tours is interview you to determine the type of house you want such as a 2,000-square-foot four-bedroom, split-level with a formal dining room and two-car garage. But just as important is the type of community you want to live in. Knowing what your requirements are will help narrow your home search and save time.

To expedite the house-hunting process, start by making a list of the dream home factors that are most important to you and your family’s lifestyle. Consider style, location, proximity to work and schools, yard size, children in the community, and of course, price.

Price and location generally are the key factors you’ll use to identify the communities that best suit you. If you are moving within the same city, you may want to start your community search by getting in your car and exploring. There are also resources on the Internet that let you compare communities.

You’ll want to ask yourself critical questions, such as: Do you dream of something quaint and charming that can only be found in an older area? Or, do you prefer everything new? Are you willing to sacrifice size and space for architectural detailing? What about drive and commute time to the office and schools? Will you forgo the number of bedrooms and a big yard for proximity to a lake or other recreational areas?

Whether you have children or not, buying a home in a community with good schools is important. It not only adds value to your property, but also is an attractive feature when and if you decide to sell. There are plenty of resources available to get information about schools within the communities you are considering. Various Internet sites offer school reports and profiles. They provide statistical data such as graduation rates, college-bound percentages, and standardized test scores. You can also learn about special programs the schools offer. In addition to these reports, many schools have their own Web sites you can peruse. And of course you can always talk to people in the area or take a tour of the school.

Additional factors you’ll want to consider during your community search are crime, recreational activities, proximity to shopping and restaurants, and other specific family needs.

Once you’ve narrowed your search to two or three communities that fit your price range and lifestyle, make comparisons of price and sales activity. Your real estate professional can help you determine which communities are most sales-worthy at present, and which are more likely to continue to be.

There are many factors involved in selecting the right community for you and your family. Discuss your options with your real estate professional. This will provide the information he or she needs to help you find property listings to tour. Remember, a targeted approach to house hunting is less time consuming, less expensive and more efficient.

Listing Your Home During the Winter Months

If you are an area homeowner struggling with the decision about whether listing your home for sale during the winter months is good or bad, there are arguments for either choice.
Let’s start with the “pros”:
One of the best things I like about listing your home for sale in the winter months is that the holidays work to your advantage. Nothing says “home” better than a house that is well (and tastefully!) decorated for the holidays. By making sure the decorations accent the house rather than overpower it, you still funnel attention where it belongs: on your house!

Another plus that comes with listing your home in town during the winter months is the logistical reasons that keep the proportion of non-serious “shoppers” from occupying your time. I find that the majority of those who are looking for homes during the winter months are disproportionally intent on actually buying a home.
On the other hand, some of those same logistical forces serve as counterarguments against listing your home during the winter. They are the same reasons many real estate agents tell their clients to wait until the spring to list. It’s true that there are fewer daylight hours for home viewings…not to mention spates of bad weather, and the greater chance that holiday travel will interfere with both buyer and seller schedules.
All in all, I think the arguments cancel each other out: I don’t advise you to allow the time of year to prevent you from listing your home in any season. If you are otherwise ready to sell your home this month or next, I say — make the most of the season! Who knows – it has happened more than once that the right buyer is out there right now. I have marketing plans for area homes that work every month of the year — if you are ready to sell, I’d be delighted to help you launch your sale this holiday season!

Five Simple Upgrades to Make Your Kitchen Pop

interior1 300x199 Five Simple Upgrades to Make Your Kitchen Pop featured  When first putting a house on the market, sellers are taught to focus on big changes, on overhauling this or rebuilding that. So much time and energy goes into making big, dramatic upgrades that, oftentimes, the little things (that make all the difference!) get overlooked. There is no single room in the house more prone to this kind of seller oversight than the kitchen.

The kitchen has been the heart of the home for centuries—a source of warmth and comfort. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent non turpis quis nisi ornare mollis eu quis ante. Vivamus eu porta nisi. Aenean iaculis turpis a mi faucibus malesuada. Fusce ultrices consequat pulvinar. Quisque sapien metus, euismod eu dictum non, mollis sed risus. Nulla blandit condimentum augue, eget imperdiet augue elementum vel. Phasellus pellentesque sagittis tortor, non malesuada lectus scelerisque ac. Nullam congue dignissim metus eu iaculis. Vivamus sit amet nibh sit amet mi laoreet porttitor sit amet sed mauris. Vestibulum ac urna neque. Nam pulvinar pulvinar quam ut scelerisque. Mauris convallis justo quis magna rutrum accumsan.