Monthly Archives: August 2018

What First-Time Homebuyers Need To Know

Making the decision to buy a home is a huge step forward for your life. Thanks to that decision, you’re going to find yourself learning all about real estate and financing. You might have had a passing interest with these subjects but now you’re going to take a “deep dive.” Here’s what you need to know:

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Financial Options

With regard to financial options, first-time homebuyers are actually in a stronger buying position than someone who is buying a second home. There are many federally back loans that can help you make a purchase without putting down 20% deposit. There could also be state programs that can be utilized. It is to your advantage to shop around with all of these options to find the best mortgage rate. Remember, this is something you’ll be paying for a long time so you want it to be manageable.

Making an Offer

When you find a home that meets your requirements you’ll want to make an offer. This is where working with an experienced real estate broker is going to be a big help. That first offer is often meant with a counter-offer. This could set off several rounds of back-and-forth offers until you both settle on an agreed price. With that offer accepted, you should put int a good-faith deposit to lock everything in. At that point, the seller takes the home off the market and you go into escrow while waiting for the finances to be locked down and the results of the home inspection.

Using the Home Inspection

The home inspection is make or break for your purchase. It could uncover problems with the home that the owner didn’t disclose. When that happens, the offer can be taken back along with your deposit. There could be some issues that the owner wasn’t aware of that require repairs. That could result in you asking for a reduction in the price. That might be good for your final mortgage but just know that you’ll have to pay for those repairs out your own pocket.

If everything is locked down and agreed to, then it just becomes a waiting game. This is why getting pre-approved for a loan is advantageous. You’ll already know that the money will be coming in. During this time, you can start packing. You should also be getting rid of junk. You don’t want to bring old rubbish with you into your brand new home. Junk King Minneapolis can help with that particular task. Once you’ve decide what you won’t be bringing, set up an appointment with Junk King. It only takes one session with Junk King Minneapolis to keep all your old junk out of your new home. That’s a smart move!

How To Re-set For Back-To-School

Although you worked all summer, your kids probably had an extended vacation from school. September is back-to-school time and that means a major re-set for everyone in the house. Here’s how you’ll want to re-set things for your students:

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Re-set Sleep

A week before school starts with when it is time to reestablish bedtimes and wake-up times. There might be some pleading about it being the “last week before school” but re-setting those body clocks is going to take time. It is also crucial to make sure the kids are in sync with their school schedules. No more napping!

Re-set Eating

Not only are sleeping patterns in need of resetting but also eating habits. Over the summer, your kids might have gotten into the habit of “grazing” throughout the day. They might have also skipped over breakfast. It is time to get back in the habit of early morning breakfasts, lunch, after-school snack and dinner. That’s the routine that can keep their energy levels where it should be.

Re-set the Brain

The best summers for kids are when they’re spent reading. Sometimes reading falls on the back burner. That same week before where the alarms are going off is when you should get the kids reading. If there is a reading list available for the fall semester, then that is a perfect place to start. Otherwise, it should be a family trip to the library.

Re-set Goals

Every school year is a chance to start over. That can apply to making new friends, taking on new challenges and improving grades. All of those goals should be established before the school year begins. You can even get them in writing. Have goals helps kids stay focused and when those goals are accomplished, they should be celebrated.

Re-set the Closets

A lot of changes can happen over the summer, not the least of which are growth spurts. Before school starts is the perfect time to clear out closets of all those clothing items that are never gone to be worn again. Making room in the closet will also help when it comes time to pick out the outfits for a school day. Junk King Minneapolis can help with this decluttering goal. You create the piles of stuff you want to get rid of and the crew from Junk King swoops in and makes it all go away. While they’re at it, they can also remove outdated electronics, computers and anything else taking up space in your home. A back-to-school re-set should always include decluttering help from Junk King Minneapolis.