Set Mile Markers When Saving to Buy a Home

Positioning yourself to buy a home takes foresight and planning. A home purchase represents a major financial commitment, and you want to feel good about the purchase when you make it. There are options that can allow you to purchase a home with only 3% down (or even 0% down in some cases). Those options may be best for you, but often, by planning ahead, you can position yourself to pay less in interest over the life of your mortgage. To reach the stage when you’re ready to actually move forward with a home purchase, you should start setting savings mile markers. (more…)

Budgeting for Homeowner Costs Saves You Money

It’s incredible how much money simply having a budget can save you. You probably know approximately what your monthly costs are, and you understand how much money you need to get by. Actually sitting down and laying out a budget can really save you some money though. When you look at the hard numbers on what you’re spending and how much you’re saving, it can help you to adjust certain lifestyle habits that you may have picked up. If you don’t currently have a budget that accounts for homeowner costs, it’s time to start. (more…)

Special Loans for First-Time Buyers

If the process behind buying a home has discouraged you from attempting to do so, you’re not alone. Legal and financial barriers can make it difficult to take the leap as a first-time homebuyer, even if you’re really excited to own your first home. You should know that there are some unique home financing options for first-time buyers to help you get across the finish line. In today’s blog, we cover some of the different types of first-time homebuyer loans, their pros and cons, and how you can utilize these options to purchase your very first home. (more…)

Get a Home Inspection Before You List

Making the decision to sell your home doesn’t come likely. While circumstances with a job or family may necessitate that you make the decision quickly, it doesn’t lessen the impact. Your home is a huge monetary and emotional investment. When you decide to sell your home, it can take some time for you to be ready. While you’re getting there on an emotional level, it’s important to make sure you’re handling the more administrative side of selling your home. One step that many homesellers overlook is getting a professional home inspection before they list. (more…)

Is Your Spring Cleaning Checklist Ready?

Spring is always a welcome sight as the cold weather starts to turn and leaving the sanctuary of your home becomes a more enticing option. Many people participate in a spring cleaning because it gives them a chance to get rid of the winter malaise, along with any unwanted stuff. Are you spring cleaning your home this year? If you run headlong into a cleaning session, it can get overwhelming. Starting with a spring cleaning checklist will help you stay organized and on task as you get ready for the new season. (more…)

Save Yourself Money on Your Home Renovation

Home renovations are exciting, but they can also be daunting. Whether you’re doing a little DIY work around your house or hiring a contractor, you want your project to stay on budget. To do that, you need to have a solid plan going into your home renovation. You also need to find creative ways to save money during the project. If money is not an object for you, then congratulations! Have fun building the home of your dreams. For most folks though, smart planning and budgeting on a home renovation is key. Here’s how you can save yourself money. (more…)

Explore the Area Before You Purchase a Home

The home search can be a quick process for some people, but for most, it’s a long journey. That’s because when you make the decision to purchase a home, you’re making an important lifestyle choice. There are many features and factors that you will want to consider as you make your home purchase, but some of the most important features have nothing to do with the actual structure of the home. Before you purchase a home, make sure you explore the area around the home. The location matters more than almost anything else. (more…)

Consider Home Modifications in Your Purchase Budget

When you purchase a new home for yourself, you are choosing a place where you will make memories and build a life together. While the people are what’s truly important, you also want to have a home that fits the needs and lifestyle of those people. Finding your dream home ready-made isn’t usually possible, which means you might want to make some renovations to your new place. Those renovations will take time and money, so it’s important to include those things in your purchase budget. If you have a plan and expectations going into your home purchase, you’ll be much more satisfied with the experience. (more…)

Are You Saving Money on Heating and Cooling?

Everyone loves saving money, especially when it doesn’t involve a huge lifestyle change. If you’re a homeowner looking to save some money on a monthly basis, start with your utilities. Are they running as efficiently as they could be? By taking a few steps on a daily or monthly basis, you can often improve the efficiency of your heating and cooling utilities and save yourself some funds that you can put toward a home renovation or a night out. Here are some little things that you should check before you decide to tear out your old units and replace everything. (more…)

Helpful Home-Selling Tactics

Selling your home can create a stressful proposition. For one, you’re selling a place that has a lot of sentimental value for you and your family members. Additionally, your ability to sell your home may impact your financial situation as you purchase a new home. Everyone wants to sell their home quickly, but you don’t want to cost yourself thousands of dollars in the process. That’s why it’s important to know these important home-selling tactics. Using the right combination of tactics when selling your home can help you avoid stress and move the property quickly. (more…)