October 2017

Found 11 blog entries for October 2017.

With Halloween we usher in the holiday season and with that comes an outpouring of funds. All the presents to buy and parties to host can drain the pocket. Here we share with you an article about what monetary decisions NOT to make make, if you can avoid it. 

Not Having an Emergency Fund – Emergencies arise in every life, and not being prepared to cover them can throw you into debt. A rule of thumb is to sock away six months of living expenses.

Not Having a Will – Money Magazine reports 57 percent of Americans don’t have a will, including 69 percent of parents with kids under 18. But without a will, the state decides what happens with your finances. Make a will and update it regularly as your life situation changes.

Not Having Enough

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Halloween is a fan favorite holiday. One of the most fun times of year! Getting carried away with decorating one’s house however might be a problem for those of you selling a house. Because not everyone is into the Halloween scene, you want to keep the house as neutral as possible. So while your house is on the market you might just want to tone things down a bit.

After all your goal is to entice people to view your house as their home.

When lighting up the house keep it simple and classy. Putting out trendy lanterns instead of cheap strings of Halloween light is a better option.

A classy way to decorate the exterior of your house...

Another real estate recommendation is to put away any of the animatronics that can design a lawn. They

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With home buying comes the incorporation of an appraiser and the feedback can be disappointing or surprising. Regardless, there might need to be a contractual renegotiation if it’s warranted. You can also ask you lender for your appraisers qualifications. You have a right to know what if the bank uses specific appraisers or an appraisal management company.

 

The article below states that the best way to combat potential problems is to make sure that the appraiser is “highly qualified and competent.” Contrary to popular belief, appraisers are open to information that helps them make their assessment easier and more valid. Consumers can accompany the appraiser and provide important information as the inspection is being conducted.

 

Furthermore,

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With fall comes Halloween, Thanksgiving and good times with family, it also offers a good time to upgrade certain parts of your house while the weather is still good. There are some tips for adding value and implementing cost efficiencies in your home.

Stop Getting Bugged

It’s still a time when the bugs are out and trying to enter your home. You can install ODL Brisa Retractable Screen Door. It’s a one touch sliding door that let’s you enter your home with ease and keeps the bugs out.

Elegant Entry

Baldwin’s Spyglass Entrance Set with Spyglass Levers offers an easy and safe way to enter your home. Furthermore, elegantly designed this convenient door handle has Smart Key re-locking technology and lets you re-lock your key in seconds. SmartKey 

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Hey everybody - we'd love to see you on Saturday, Oct. 21, 2017 when fun and games and face painting and popcorn and candy will abound. We'll be celebrating the spirit of Halloween and every child who comes get a ticket for a pumpkin to take home! We can't wait to see you! 

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You might have heard of Kickstarter or GoFundMe, launched by CMG Financial – we’ll now that concept of inviting people to contribute to a project has hit the home market and it’s called HomeFundMe. There are stipulations naturally.

  • Borrowers must be approved by CMG Financial to use the tool
  • Gifts are limited to $7,500
  • Loan must be a Fannie-Mae or Freddie-Mac one
  • Borrower’s must earn less than the area’s median income to qualify for matching contributions/grants
  • Method forces borrowers to use CFG Financial and its rate structures, thus one can’t go rate shopping

We suggest you check out the article and get more details on this interesting new financing option.

The more you know, the more you grow! And if growing means funding

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Many times people are confused as to what the realistic parameters are for down payments. There are in fact many ways in which down payments can manifest. There is more help than people assume can be gotten. Additionally, the amount of down payments varies greatly from what people believe they MUST start off with. Furthermore, the monies that you can put towards your down payment can come from a variety of sources. 

Enjoy the graphic below to get more details on "Down Payment Myths Debunked." 

 

 

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Today’s video walks you through key questions to ask about your home insurance.

https://youtu.be/PwxCNa6gX_M

Like is your rebuilding price covered?

Do you have flood coverage?

Do you have protection coverage for pricey items?

Do you need additional coverage or an umbrella policy?

All these questions are answered thoroughly and informatively giving you piece of mind for a less stressful life in your home.

 

 

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Are you buying a new home? Are you overwhelmed by the amount of documents  thrown your way and the aspects of your new home you have to ensure are up to snuff? Well there are 5 crucial things to check for when examining the new property you are going to purchase.

THE NEIGHBORHOOD: Check out the condition of the houses in your targeted neighborhood because this will directly impact the value of your house. Do people do a good job of keeping up their property? Are you also located near a school or town center because this can impact the value of your property too. 

STORAGE SPACE: You’ll want to look around for adequate storage space in the kitchen, bathrooms, and closets. As you transition into your new space you don’t want to be faced with living

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It’s almost the weekend so let’s have some fun! And what is more fun than thinking about the new home that you’re looking to buy. Statistics reveal that the median home-existing prices are going for $258,300 and thus, the 6% down payment is approximately $15,000. While not an overwhelming amount of money, it’s still a nice chunk of change.

We have some thoughts on how to help yourself save for that down payment. There are some easy ways to cut back on extraneous expenses that can go into the coffers of your bank account instead of out of your pocket.

Here’s a list of realistic cost savings:

1. Give up the morning coffee. You probably find yourself spending around $4.00/item which equates to $1,300/year.

2. If you can manage to cut your

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