Robert Starr's Blog
MondayToday is pick-up day. After the weekend your home is likely to have a lot of things laying around out of place. Do a quick tidying up in each room of your home. That includes: picking up clothes, clearing off tables and surfaces, and putting away any children's or pet toys that might be on the floor.
TuesdayDusting. With your duster in hand, run through each room of your house hitting all of the surfaces. Grab a microfiber cloth for things like TVs and computer screens that might have fingerprints and put it in your back pocket. In your other pocket, keep a lint roller or lint brush for your sofa, bed, chairs, etc.
WednesdayFloors. Get out your Swiffer, mop, vacuum cleaner and whatever else you use to clean the floors of your home. Sweep each room into a pile, starting from the walls and working your way in. Once all rooms are swept, grab your dustpan and pick up each pile. From there you can run your Swiffer or mop through your rooms with wood floors or tile. Finally, vacuum any carpets or rugs you have.
ThursdayKitchen day. Mix some white vinegar and water, toss in a few drops of lemon or lime juice, and you've got an all-purpose kitchen cleaner that's free of any harsh chemicals that you don't want going near your food. For areas that need to be scrubbed, like your sink or countertop, sprinkle some baking soda down after you spray the vinegar solution. Once you're done, tuck your spray bottle and baking soda within reach under your sink--you'll need it again tomorrow.
FridayBathroom day. There's no denying it--it's the worst room in the house to clean. But, think about how you'll have the next two days off from work and cleaning and you'll have the motivation to get through it. First, go grab your rubber globes, vinegar spray, and baking soda from yesterday. Today, you'll need them for the sink, tub, and toilet. Other useful items to keep for cleaning your bathroom: an old toothbrush for scrubbing tile grout and baby oil for polishing the chrome on your sinks. Follow this schedule and you'll be on your way to cleaning the whole house in just 5-10 minutes per day so you don't have to dread those marathon cleaning days.
Ready to buy a home? You'll likely need a mortgage to ensure you can afford your dream residence. Lucky for you, many banks and credit unions are happy to help you discover a mortgage that suits you perfectly.
Ultimately, meeting with a mortgage lender may seem stressful at first. But this meeting can serve as a valuable learning opportunity, one that allows you to select a mortgage that is easy to understand and matches your budget.
When you meet with a mortgage lender, here are three of the questions to ask so you can gain the insights you need to make an informed decision:
1. What mortgage options are available?
Most lenders offer a broad range of mortgage options. By doing so, these lenders can help you choose a mortgage that meets or exceeds your expectations.
Fixed-rate mortgages represent some of the most popular options for homebuyers, and perhaps it is easy to understand why. These mortgages lock-in an interest rate for a set period of time and ensure your mortgage payments will stay the same throughout the duration of your mortgage.
Meanwhile, adjustable-rate mortgages may prove to be great choices for many homebuyers as well. These mortgages may feature a lower initial interest rate that rises after several years. However, with an adjustable-rate mortgage, you'll know when your mortgage's interest rate will increase and can plan accordingly.
2. Do I need to get pre-approved for a mortgage?
Pre-approval for a mortgage usually is an excellent idea, and for good reason.
If you get pre-approved for a mortgage, you may be able to enter the homebuying market with a budget in mind. That way, you can pursue houses that fall within a set price range and avoid the risk of overspending on a home.
On the other hand, you don't need to be pre-approved for a mortgage to submit an offer on a home. But with a mortgage in hand, you may be able to gain an advantage over the competition, one that might even lead a home seller to select your offer over others.
3. How long will a mortgage last?
Many mortgages last 15- or 30-years – it all depends on the type of mortgage that you select.
A lender can explain the length associated with various mortgage options and highlight the pros and cons associated with these mortgages.
Moreover, you should ask a lender if there are any prepayment penalties if you pay off your mortgage early. This may help you determine whether a particular mortgage is right for you.
When it comes to finding a lender, don't forget to meet with several banks and credit unions. This will allow you to discover a lender that offers a mortgage with a low interest rate. Plus, it enables you to find a lender that makes you feel comfortable.
If you need assistance in your search for the right lender, be sure to reach out to a real estate agent. This housing market professional can provide details about local lenders and ensure you can accelerate your push to acquire your dream residence.
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