Preparing Your Home for Summer

Posted in Living by John Trupin

 

The calendar may claim summer begins on June 21st, but for most of us, it’s already fully in gear. Kids are getting out of school, families are making summer vacation plans, and backyard barbeques are on everyone’s minds. This is also a great time of the year to get your house in order and ready for the summer season. The following are a handful of ideas and tips to help you with this process.

Outdoor Spaces

GardeningGardening– It’s not too late to start your garden!  If you’re thinking of getting your green thumb engaged, just make sure you use starts because many summer harvest vegetables won’t start from seed this late in the season.

Outdoor living– My home has an outdoor space that, like many, suffers in the grey of winter and the rainy spring. To get it properly in the summer spirit I need to get it prepped for hosting. This includes finding outdoor lighting options, updating the seating and cleaning up the barbeque.

BBQ- Make sure your grill is ready to go this season by making sure everything is clean and in working order before you fire it up. In the northwest that includes making sure the fuel lines are spider-web-free. Also, make sure you have propane or charcoal on hand for impromptu dinners.

Clean Windows- Now is a great time to clean your windows, inside and out. Sun shows more dirt and smudges.

Lawn care- Prepare your lawn for the months ahead. Depending on where you live this means different things. Check your sprinkler system to make sure it wasn’t damaged over the winter; upgrade your lawn care to ensure fuller greens, check for and remove moss to prevent dead patches and start your weeding regimen.

Pool prep- If you have an outdoor pool get this ready for a summer season of fun in the sun, (unless you are lucky enough to enjoy your pool year-round). Same goes for hot-tubs. Make sure your equipment has been serviced, chemicals are available and your pool is clean and ready to use. OR, head to the local hardware store and buy your kiddie pool now before they run out!

Summerize- Check or replace AC filters, window screens, and household fans to make sure these are all functioning and will help provide maximum circulation in your house. Consider installing an attic fan or vent to help pull heat out of your home all winter long. Pack away excess cold weather items such as heavy blankets, jackets, and other items so they aren’t in your way. Same goes for any sundry items you only use during fall and winter.

 

Inside Spaces

Lighten the Space- Though I likely won’t spend much time inside once the mercury rises, I want to keep the house as light and cool as possible. I have found that replacing the curtains with a lighter shade lets the light in, but also keeps the rooms from overheating from sun exposure. Summer always makes me want to lighten up with the accessories- lighter colors, more whites, bright accents and less clutter.

Rearrange – Freshen up spaces by rearranging some of your wall art. If you don’t have enough wall pieces to rearrange regularly it may be time to add to your collection. You can find inexpensive original art online at stores such as Etsy or in person at local galleries. You can always play with other items like framed images from books, vintage posters or record albums. Here are some terrific ideas for using what you have to add interest to a room.

SpringCleanupAir it out- Open all the windows, shake out the rugs and update home fragrances to fit summer moods (citrus, freesia, clean linen, coconut, melon, fruits and tropical, etc.). You can create your own diffuser with essential oils to distribute fragrance. This may be more symbolic than practical but it always makes me feel ready for summer.

Paint- If you have a room you really want to refresh, a three-day weekend is a good time to take on a project of scale, so you have plenty of time to prep, paint, dry, and clean up. Painting is one of the least expensive ways to really transform how a room feels. Need help picking colors and paint type? Here is some good advice.

Garage or Basement- Tackle a big space that makes a big difference. Our garages and basements often become year-long dumping grounds for seasonal decorations and clothing, items that don’t fit in cabinets, memorabilia and maintenance tools. Go through your items and sort by keep, throw out and donate/sell and then group your keeps by function. Make sure your tools are accessible for easy gardening and entertaining by making sure your tools are accounted for, ready to go, and easy to reach. Here is a useful video on garage organization.

Yard/Garage Sale- If you have overflow at your house, plan a yard/garage sale to get rid of items you no longer need or want. Just make sure to pack everything up and donate it at the end of the sale otherwise you are just letting the clutter back in!

Plan a party- Once your space is all cleaned up and redecorated you will want to show it off! Plan a summer BBQ, dinner party, pool party, picnic or any other gathering.

 

Posted on June 6, 2018 at 8:29 pm
Windermere Evergreen | Category: Colorado Real Estate, Conifer Real Estate, Evergreen Real Estate, Home Maintenance, Lakewood Real Estate, Living | Tagged , ,

Weekend Warrior: Quick projects to upgrade your home

Gardening

Memorial Day traditionally represents the kick-off of summer. Kids are getting out of school, families are making summer vacation plans, and backyard barbeques are on everyone’s minds. This is also a great time of the year to get your house in order and ready for the summer season. The following is a handful of ideas and tips to help you with this process.

Outdoor spaces

Gardening– It’s not too late to start your garden! This weekend I will be planting an herb garden; I planted summer vegetables a few weeks ago.  If you’re thinking of doing the same, just make sure you use starts because many summer harvest vegetables won’t start from seed this late in the season.

Outdoor living– My home has an outdoor space with great potential, including a partially covered patio perfect for entertaining. This weekend I plan to upgrade the space with small touches to make it summer party ready. This includes finding outdoor lighting options, updating the seating and cleaning up the barbeque.

BBQ- Make sure your grill is ready to go this season by making sure everything is clean and in working order before you fire it up. In the northwest that includes making sure the fuel lines are spider-web-free. Also, make sure you have propane or charcoal on hand for impromptu dinners.

Clean Windows- Now is a great time to clean your windows, inside and out. Sun shows more dirt and smudges.

Lawn care- Prepare your lawn for the months ahead. Depending on where you live this means different things. Check your sprinkler system to make sure it wasn’t damaged over the winter; upgrade your lawn care to ensure fuller greens, check for and remove moss to prevent dead patches and start your weeding regimen.

Pool prep- If you have an outdoor pool get this ready for a summer season of fun in the sun, (unless you are lucky enough to enjoy your pool year-round). Same goes for hot-tubs. Make sure your equipment has been serviced, chemicals are available and your pool is clean and ready to use. OR, head to the local hardware store and buy your kiddie pool now before they run out, as I learned one particularly hot July!

De-winterize- I once was doused head to toe when we were turning the water back on to our exterior pipes because the pipe had split in the winter- so make sure all your pipes survived the cold, check your winterized projects and prepare your house for summer.  This is also a good time to look around the exterior, checking roof, gutters and siding.

Summerize- Check or replace AC filters, window screens, and household fans to make sure these are all functioning and will help provide maximum circulation in your house. Consider installing an attic fan or vent to help pull heat out of your home all winter long. Pack away excess cold weather items such as heavy blankets, jackets and other items so they aren’t in your way. Same goes for any sundry items you only use during fall and winter.

Inside spaces

Lighten the Space- Though I likely won’t spend much time inside once the mercury rises, I want to keep the house as light and cool as possible. I have found that replacing the curtains with a lighter shade lets the light in, but also keeps the rooms from overheating from sun exposure. Summer always makes me want to lighten up with the accessories- lighter colors, more whites, bright accents and less clutter.

Rearrange – Freshen up spaces by rearranging some of your wall art. If you don’t have enough wall pieces to rearrange regularly it may be time to add to your collection. You can find inexpensive original art online at stores such as Etsy or in person at local galleries. You can always play with other items like framed images from books, vintage posters or record albums. Here are some terrific ideas for using what you have to add interest to a room.

SpringCleanupAir it out- Open all the windows, shake out the rugs and update home fragrances to fit summer moods (citrus, freesia, clean linen, coconut, melon, fruits and tropical, etc.). You can create your own diffuser with essential oils to distribute fragrance. This may be more symbolic than practical but it always makes me feel ready for summer.

Paint- If you have a room you really want to refresh, a three-day weekend is a good time to take on a project of scale, so you have plenty of time to prep, paint, dry, and clean up. Painting is one of the least expensive ways to really transform how a room feels. Need help picking colors and paint type? Here is some good advice.

Garage or Basement- Tackle a big space that makes a big difference. Our garages and basements often become year-long dumping grounds for seasonal decorations and clothing, items that don’t fit in cabinets, memorabilia and maintenance tools. Go through your items and sort by keep, throw out and donate/sell and then group your keeps by function. Make sure your tools are accessible for easy gardening and entertaining by making sure your tools are accounted for, ready to go, and easy to reach. Here is a useful video on garage organization.

Yard/Garage Sale- If you have overflow at your house, plan a yard/garage sale to get rid of items you no longer need or want. Just make sure to pack everything up and donate it at the end of the sale otherwise you are just letting the clutter back in!

Plan a party- Once your space is all cleaned up and redecorated you will want to show it off! Plan a summer BBQ, dinner party, pool party, picnic or any other gathering.
For more information on Windermere Evergreen, please contact us here.

Posted on May 27, 2018 at 8:34 pm
Windermere Evergreen | Category: Living | Tagged , , , , , , ,

Bring Earth Day into your home

Today marks  Earth Day. How will you spend the day? Here are a few simple ideas to save energy and reduce your impact on the earth.

Create your own Earth Hour
During Earth Hour, people around the world turn off the lights. Even famous places such as the Eiffel Tower and Empire State Building go dark.  Re-create your own Earth Hour tonight by turning off the lights and the TV. Play a board game, have dinner or read a book by candlelight.

Adjust your thermostat
Spring is slowly heating up into summer. Check that your heating and cooling settings are appropriate for the new season.

Use compact fluorescent light bulbs (CFLs)
If you haven’t already made the switch, think about replacing old light bulbs with CFLs. According to EnergyStar, if each home in America replaced just one light with an ENERGY STAR light, the energy saved would light more than 3 million homes for a year and save about $700 million in annual energy costs.

Reduce, Reuse, Recycle, Upcycle
Upcycling is the art of taking something that could be seen as garbage and turning into something useful. Do you have a basement full of items that you’re thinking about throwing away? Next time you want to run to the store to buy something new, head down to your stash and envision if there’s anything there that you could use instead, like this pair of rubber boots that became a flower pot.

For more information on Windermere Evergreen, please contact us here.

Posted on April 22, 2018 at 11:00 am
Windermere Evergreen | Category: Living | Tagged , , , , , , ,

How an Investment in Green Technology Can Pay off for Today’s Homeowner

Studies continue to show that real estate buyers are willing to pay a substantial premium for homes that feature highly efficient, environmentally friendly “green energy” technology.

While the added value depends on the location of the home, its age, and whether it’s certified or not, three separate studies all found that newly constructed, Energy Star- or LEED-certified homes typically sell for about nine percent more than comparable, non-certified new homes. Plus, one of those studies discovered that existing homes retrofitted with green technologies, and certified as such, can command a whopping 30-percent sales-price boost.

Options include technologies that you may already be very familiar with, as well as some new breakthroughs that may surprise you:

Fuel cells

Fuel cells may soon offer an all-new source of electricity that would allow you to completely disconnect your home from all other sources of electricity. About the size of a dishwasher, a fuel cell connects to your home’s natural gas line and electrochemically converts methane to electricity. One unit would pack more than enough energy to power your whole home.

Past fuel cells have been far too expensive and unreliable. But Redbox Power Systems, a company that’s planning to launch its first fuel cell later this year, is using new materials, claims they’ll be able to cut the purchase price by 90 percent, and predicts the associated electricity-bill savings will allow homeowners to pay off that purchase price in just two years’ time.

Wind turbine

A wind turbine (essentially a propeller spinning atop an 80- to 100-foot pole) collects kinetic energy from the wind and converts it to electricity for your home. And according to the Department of Energy, a small version can slash your electrical bill by 50 to 90 percent.

But before you get too excited, you need to know that the zoning laws in most urban areas don’t allow wind turbines. They’re too tall. The best prospects for this technology are homes located on at least an acre of land, well outside the city limits.

Cool roof

Cool roofs keep the houses they’re covering as much as 50 to 60 degrees cooler by reflecting the heat of the sun away from the interior, allowing the occupants to stay cooler and save on air-conditioning costs. The most common form is metal roofing. Other options include roof membranes and reflective asphalt shingles.

Green roof

Another way to keep the interior of your house cooler—and save on air-conditioning costs—is to replace your traditional roof with a layer of vegetation (typically hardy groundcovers). This is more expensive than a cool roof and requires regular maintenance, but young, environmentally conscious home owners are very attracted to the concept.

Hybrid heating

Combining a heat pump with a standard furnace to create what’s known as a “hybrid heating system” can save you somewhere between 15 and 35 percent on your heating and cooling bills.

Unlike a gas or oil furnace, a heat pump doesn’t use any fuel. Instead, the coils inside the unit absorb whatever heat exists naturally in the outside air, and distributes it via the same ductwork used by your furnace. When the outside air temperature gets too cold for the heat pump to work, the system switches over to your traditional furnace.

Geothermal heating

Geothermal heating units are like heat pumps, except instead of absorbing heat from the outside air, they absorb the heat in the soil next to your house via coils buried in the ground. The coils can be buried horizontally or, if you don’t have a wide enough yard, they can be buried vertically. While the installation price of a geothermal system can be several times that of a hybrid, air-sourced system, the cost savings on your energy bills can cover the installation costs in five to 10 years.

Solar power

Solar panels capture light energy from the sun and convert it directly into electricity. For decades, you may have seen these panels sitting on sunny rooftops all across America. But it’s only recently that this energy-saving option has become truly affordable.

In 2010, installing a solar system on a typical mid-sized house would have set the homeowner back $30,000. But today, that price has been slashed to an average of just $19,000. Plus, some companies are now offering to rent solar panels to homeowners (the company retains ownership of the panels and sells the homeowner access to the power at roughly 10 to 15 percent less than they would pay their local utility).

Solar water heaters

Rooftop solar panels can also be used to heat your home’s water. The Environmental Protection Agency estimates that the average homeowner who makes this switch should see their water bills shrink by 50 to 80 percent.

Tax credits/rebates

Many of the innovative solutions summarized above come with big price tags attached. However, federal, state and local rebates/tax credits can often slash those expenses by as much as 50 percent. So before ruling any of these ideas out, take some time to see which incentives you may qualify for at dsireusa.org and the “tax incentives” pages at Energy.gov.

Regardless of which option you choose, these technologies will not only help to conserve valuable resources and reduce your monthly utility expenses, but also add resale value that you can leverage whenever you decide it’s time to sell and move on to a new home.

Posted on April 12, 2018 at 7:35 pm
Windermere Evergreen | Category: Living

Why Not White Marble?

Are you thinking about replacing your kitchen or bathroom countertops? The choices are endless; tile, granite, soapstone, wood, or maybe marble? White marble often gets a bad rap because it’s a more porous metamorphic stone than most (which means it’s prone to stains and scratches), but we beg to differ, and here’s why.

White marble is as timeless as it is modern. Adding white marble to your kitchen or bathrooms is like bringing home flowers for your significant other; always a good idea. It looks great on kitchen counters, but also just about anywhere in your bathrooms, from the floor to the shower walls.  Adding white marble countertops to a dressing vanity in bedrooms is also a great way to incorporate it throughout your house.

After you’ve made the decision to install white marble into your home, you’ll need to decide on a finish. Honing gives a matte finish, whereas polishing creates a shiny, reflective surface. If you want to reduce etching, choose a honed finish instead of a polish. If you don’t mind some added etching, then polished white marble is as stunning as it sounds.

How do you keep your marble happy? Make sure to apply a seal prior to using it. To reduce staining, wipe away spills immediately, and only use a neutral detergent to clean your marble. These simple things will keep your white marble in shipshape condition.

When it comes to your marble, it’s more like you than you think. Marble goes through good times and bad times and some scars fade better than others. It will never be perfect, but in the end, we think you’ll love it—imperfections and all.

Check out white marble looks we love on Pinterest.

Posted on April 11, 2018 at 7:31 pm
Windermere Evergreen | Category: Living | Tagged , , , ,

6 Foyers That Invite in Style

Entryway 1Jackson and LeRoy, original photo on Houzz

With a side entrance to your home, you can be a little more forgiving when it comes to messes. But with a front-door entry, through which you and your guests get a first impression of your home, you’ve got to be a little more on top of your style and storage game. The following are some of the most popular front-entry photos recently, as measured by the number of people who saved them to their Houzz ideabooks from January through March. Let us know which will inspire your next project

A classic wooden bench offers a spot to take off and put on shoes in this farmhouse-style entryway in Utah.

Related: Wipe Your Shoes on a Durable Outdoor Rug

Entryway 2Nicole Benveniste Interior Design, original photo on Houzz

Benjamin Moore’s Plaster of Paris paint on the walls sets the soothing tone for this spacious San Francisco entry. A large painting featuring pale swaths of color hangs over a few well-chosen accessories atop a weathered wood table, starting this home off on the right foot.

Entryway 3Brian Paquette Interiors, original photo on Houzz

Here, a burl-wood-type table and vibrant abstract art create movement and excitement.

Related: Flower Vases for the Entryway

Entryway 4Tim Barber Ltd Architecture, original photo on Houzz

A rich wood built-in helps organize this Los Angeles entry. A frosted, ribbed glass window obscures the view into the living room.

Entryway 5NEST Interior Design Group, original photo on Houzz

An eclectic mix of art and accessories beckons guests into this Houston home. A table offers a spot for keys and wallets, while wire baskets below can handle shoes and bags.

Entryway 6Fluidesign Studio, original photo on Houzz

 Creamy shiplap walls, rich wood floors and a wood console table establish a refreshing air in this Minneapolis home.

By Mitchell Parker, Houzz

Posted on April 10, 2018 at 7:39 pm
Windermere Evergreen | Category: Living | Tagged , , , , , ,

Gardening Trends For 2018

Outdoor living during the spring and summer months is extremely popular. Months of cold, wet winters are followed by glorious spring colors and warm summer days of vivid blue skies. In this post, we thought that now would be the best time to share some pretty garden trends for 2018.

Wabi-Sabi

Leisure time should be just that: relaxing and rejuvenating. So why labor relentlessly to create and maintain a perfect landscape? Wabi-sabi, is the Japanese art of accepting transience and imperfect beauty. Relax and appreciate nature as it is, with humble imperfections, weeds and all. Recognize (and tell others) that dandelions and clover in untreated lawns are not blights. They are status symbols for ecological horticulture. Consider natural grasses and groundcovers as low-maintenance substitutes for sod. Opt for perennials instead of annuals, let flowers go to seed and give nature license to evolve on her own.

Reclaiming Small Outside Spaces

For many of us these days, space is at a premium and with house prices continually on the rise, more and more people are living in apartment blocks or tiny lots. Garden designers are determined to make even the smallest of spaces useful and attractive, and manufacturers have taken notice. Look for a better choice in planters that slot onto balcony rails. New models will have coverings for protecting plants from cold temperatures so that you can even grow seeds and vegetables on your balcony alongside your flowers.

Self-watering wall planter systems have been improved for 2018 and the hanging macramé plant holder is having a bit of a revival. Add a small patio heater and you have an outside space you can enjoy all year round with minimal effort.

Purple Passion

Pantone’s Ultra Violet is the color of the year. Maybe that’s why you find purple flowers in this year’s plant varieties and garden design. It’s easy to incorporate this color in the garden as there are many flowers and shrubs with this beautiful color. However, there are also several edible purple plants that you can grow. Purple vegetables are not only interesting and pretty, their unique color denote anthocyanins which are very beneficial to your health.

Re-Wilding

This is a style that keeps popping up time and again. However, 2018 has taken the re-wilding trend up another notch. It is still all about working with nature, growing wildflowers and supporting our pollinating insects. Re-wilding means adjusting plant selections to better support local wildlife and growing both seed-producing and berry-bearing plants. However, now it is also about using ‘green’ gardening products, natural solutions to bug and slug killers instead of chemicals and insecticides and using peat-free products.

Alfresco Living

Outdoor entertaining and kitchen areas are tipped to be a key trend for Spring/Summer 2018. We are not talking about a little nook corner just off the kitchen. Alfresco dining spaces are being pushed out into the garden itself and made into a major feature. These dedicated outdoor dining areas are surrounded by in-ground and container plants for that lush feeling. Special flooring, comfy furniture and mood lighting turn it into a little haven. Complete the trend with a sunken fire pit, barbecue or pizza oven and you might never want to leave.

Lighting The Way

Adding lighting to your garden is not a new thing. However, in this age of renewable energy, garden lighting companies are turning away from the more traditional lighting solutions we have seen in the past. The advances in solar energy capture, means that we can light up our gardens in a variety of fun, affordable and better ways. No more changing batteries or wiring up the garden with electricity.

The wide range of lighting methods allows you to create whatever ambience you want. Simple stand-alone lights can mark pathways, either discreetly embedded into the path edges or standing loud and proud along the side. Multi-colored fairy lights can be tangled among the overhead branches of a tree creating dazzling shapes and textures. Solar Mason jars can be hung from above or used as table lighting. Festoon lights can create an ambient glow around any outdoor space creating romantic nooks.

Posted on April 9, 2018 at 7:33 pm
Windermere Evergreen | Category: Living | Tagged , , , , , , ,

6 Foyers That Invite in Style

With a side entrance to your home, you can be a little more forgiving when it comes to messes. But with a front-door entry, through which you and your guests get a first impression of your home, you’ve got to be a little more on top of your style and storage game. The following are some of the most popular front-entry photos recently, as measured by the number of people who saved them to their Houzz ideabooks from January through March. Let us know which will inspire your next project.

Entryway 1Jackson and LeRoy, original photo on Houzz

6. A classic wooden bench offers a spot to take off and put on shoes in this farmhouse-style entryway in Utah.

Related: Wipe Your Shoes on a Durable Outdoor Rug

Entryway 2Nicole Benveniste Interior Design, original photo on Houzz

5. Benjamin Moore’s Plaster of Paris paint on the walls sets the soothing tone for this spacious San Francisco entry. A large painting featuring pale swaths of color hangs over a few well-chosen accessories atop a weathered wood table, starting this home off on the right foot.

Entryway 3Brian Paquette Interiors, original photo on Houzz

4. Here, a burl-wood-type table and vibrant abstract art create movement and excitement.

Related: Flower Vases for the Entryway

Entryway 4Tim Barber Ltd Architecture, original photo on Houzz

3. A rich wood built-in helps organize this Los Angeles entry. A frosted, ribbed glass window obscures the view into the living room.

Entryway 5NEST Interior Design Group, original photo on Houzz

2. An eclectic mix of art and accessories beckons guests into this Houston home. A table offers a spot for keys and wallets, while wire baskets below can handle shoes and bags.

Entryway 6Fluidesign Studio, original photo on Houzz

1. Creamy shiplap walls, rich wood floors and a wood console table establish a refreshing air in this Minneapolis home.

By Mitchell Parker, Houzz

Posted on April 6, 2018 at 11:31 am
Windermere Evergreen | Category: Living | Tagged , , , ,

Find a New Home in Four Steps

Whether you’re a first-time homebuyer or a current owner looking for a bigger home, the ideas below will help you better navigate that all-important first step: Finding a property that you like (and can afford).

The search for a new home always starts out with a lot of excitement. But if you haven’t prepared, frustration can soon set in, especially in a competitive real estate market. The biggest mistake is jumping into a search unfocused, just hoping to “see what’s available.” Instead, we recommend you first take some time to work through the four steps below

Step 1: Talk to your agent

Even if you’re just thinking about buying or selling a house, start by consulting your real estate agent. An agent can give you an up-to-the-minute summary of the current real estate market, as well as mortgage industry trends. They can also put you in touch with all the best resources and educate you about next steps, plus much more. If you are interested in finding an experienced agent in your in your area, we can connect you here.

Step 2: Decide how much home you can afford

It may sound like a drag to start your home search with a boring financial review, but when all is said and done, you’ll be glad you did. With so few homes on the market now in many areas, and so many people competing to buy what is available, it’s far more efficient to focus your search on only the properties you can afford. A meeting or two with a reputable mortgage agent should tell you everything you need to know.

Step 3: Envision your future

Typically, it takes at least five years for a home purchase to start paying off financially, which means, the better your new home suits you, the longer you’ll most likely remain living there.

Will you be having children in the next five or six years? Where do you see your career heading? Are you interested in working from home, or making extra money by renting a portion of your home to others? Do you anticipate a relative coming to live with you? Share this information with your real estate agent, who can then help you evaluate school districts, work commutes, rental opportunities, and more as you search for homes together.

Step 4: Document your ideal home

When it comes to this step, be realistic. It’s easy to get carried away dreaming about all the home features you want. Try listing everything on a piece of paper, then choose the five “must-haves,” and the five “really-wants.”

For more tips, as well as advice geared specifically to your situation, connect with an experienced Windermere Real Estate agent by clicking here.

Posted on April 5, 2018 at 8:15 pm
Windermere Evergreen | Category: Living | Tagged , , , , ,

5 Deal Breakers that can blindside home buyers

Purchasing a home can be a complex endeavor for even the most well-prepared home buyer.  You’ve diligently saved for your down payment, followed the market, researched agents and now you are ready to make an offer on your dream home.  Don’t let these 5 “Deal Breakers” come between you and your new home.

Big Purchases on Credit. It is tempting to buy the furniture for your new home or a new car for the garage before the sale closes. Take care if you are making these purchases on credit. Large purchases on credit can have a major impact on your credit profile which effects your mortgage application. It’s a better plan to wait until after closing or pay cash for these transactions or you may be putting that furniture in a different living room than you originally picked them out for.

Overpaying. Before your bank will approve your mortgage they will appraise the home you are purchasing.  If they feel you are overpaying they are likely to decline your mortgage application. If you find yourself in this situation consult with your agent on renegotiating your offer to be more in line with the bank’s appraised value.

Purchasing too close to Foreclosure. If you are making an offer on a house which is facing foreclosure be sure to have a closing date set before the foreclosure date. Have your agent work with the lender to structure closing before the house goes back to the bank and into foreclosure.

IRS liens. You’ve heard the old saying “Death and Taxes”.  Back taxes and liens can derail your attempts to get financing for a mortgage so be sure to have your books in order before filing your loan application.

Comprehensive Loss Underwriting Exchange (CLUE). CLUE is a database of insurance claims for both people and property.  Your home insurance rates are determined by the information about you and the property you plan to purchase which is contained in this report. Past claims for water damage, falling trees and even dog bites from present and past owners can multiply your insurance rates. Consult your agent about the CLUE report for your future home as soon as possible once your home purchase offer is accepted.

When purchasing a home there will be challenges which you can plan for and the unexpected hurdles.  By educating yourself as a consumer and choosing a well trained real estate agent you can avoid many of the pitfalls of 21st century home ownership.

What about you? Tell us if you have had any “deal breaker” experiences.

For more information on Windermere Evergreen, please contact us here.

Posted on April 4, 2018 at 7:22 pm
Windermere Evergreen | Category: Living | Tagged , , , , , ,