There’s a lot to consider when you’re buying a home and it’s easy to become overwhelmed with all the possibilities. It’s also easy to fall in love with a house simply because it’s furnished tastefully, smells nice or has a beautiful front lawn. Be sure to look past the cosmetics of the house and keep the most important things in mind when you go house shopping. Don’t ignore a house just because you don’t like the color of the paint or wallpaper, because those are cosmetic things that can be changed to your liking. There are a few key features that are the most important things to consider when buying a house, outside of finances.

Space

Before looking at houses, decide how many bedrooms and bathrooms you absolutely must have for the size of your family. Then, consider if you really need a living room and a family room. Some people buy a house with both, and never even use the living room, making it an unnecessary waste of space. Do you work from home and need an office? Do you have young children who need a big yard to play in? Do you like to entertain and want an adult play room in a basement? Do you want to grow into the house and take future children into consideration, or will a large home just be too much? These are all things to consider before deciding how much home you really need.

Commute

Your commute is important and may be more important than you realize. Many people have made the mistake of buying a home too far from work and underestimating the toll a long commute will have on their lives. A long commute cuts down on your family and social life, increases stress, and may even cause you to lose sleep. Often it is better to find a home close to work and perhaps give up something you think is important in a home. This is all about keeping your priorities straight.

Is Your Furniture Going to Fit

If you have large furniture, or a lot of furniture, consider if it will all fit in your new home. Will that large over-sized dresser be able to be carried up three flights of stairs into your bedroom? Will your expensive, overstuffed sofa fit in the front door of an older home? Will the bedroom be big enough for your king-sized bed or will it take up the whole room? If you have a dining room now, does the new house have one also, or is that something you can forgo?

If you are thinking about buying a new home you are probably hoping to get the best value for your money on a house, but what about your home loan? The rate and terms of your mortgage can have a big impact on your wallet. This is why it is so important to shop for just the right home loan. There are two main factors to consider when shopping for a loan: the type of loan and the terms of the loan.

Do your homework before looking at home loans. Even one half of a percentage point makes a big difference over the full term of the loan. A 30 year loan of $200,000 at a 5% fixed-rate, will cost you about $22,000 more in interest than if the interest rate was set at 4.5%.

Other things to look at when shopping for a home loan are closing costs. Mortgage companies charge additional fees such as origination fees, title charges, appraisals and even credit checks. Make sure to consider these additional expenses when shopping for a home loan.

You can also save money by not maxing out your budget. Just because you are pre-qualified for a loan doesn’t mean you should spend the maximum loan amount on a home. Don’t allow your total house payment (principal, interest, taxes and insurance) to exceed 28% of your gross monthly income.

If there was ever a time to purchase real estate it is now. A unique combination of circumstances makes buying a home a no-brainer.

Here are five reasons why you should buy a home NOW…

 

1. Houses are more affordable

2. Historically low mortgage rates

3. Prices are stable

4. Home ownership is the path to independence and wealth

5. Owning a home gives you pride of ownership

Call today to find out what homes are available in your price range or do a quick search to look for homes and create a profile on this site to save your favorites.

Furniture can be very expensive so of course you want yours to last for as long as possible. If your furniture is starting to show distress there are some quick and natural fixes to get it looking as good as new. Scratches in wood are one of the most common furniture problems. Repairing scratches can be easy.

Here are a few ways to fix your furniture flaws without using chemicals:

Tea
Brew a cup of tea (use black tea). Make sure to let the tea bag steep for 2 to 3 minutes. If your wood is dark you will want to let the bag steep longer because the longer it steeps, the darker it will be. Dab the tea onto the scratches with a cotton swab. Be careful to wipe away the excess as the tea can also color the wood around the scratches. Depending on the color of the wood you may need to do more than one application.

Iodine
Use a cotton swab to apply iodine to the scratch. Use the same method as the tea remembering to wipe away the excess iodine so it doesn’t stain the wood around the scratch.

Instant Coffee                                                                                                                                       Instant coffee can be use to cover a scratch. Make a thick paste with the coffee granules and water, and rub the paste into the scratch.

Walnut Meat
Crack open a walnut and rub the walnut meat into the scratch. The oil from a walnut will conceal a surface scratch in wooden furniture. Polish the scratched area with a soft cloth.

 

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