Moving across the country is no
easy task. It takes a lot of planning to make sure that everything goes
smoothly. It can cost a lot more to move such a long distance as well, especially
when compared to local moves. Fortunately, there are still ways that you can
save some money. The following are a few moving tips to help you save money moving across the
in high-quality moving boxes – Don’t use flimsy boxes to
pack your things. Use high-quality boxes that will hold together over a
long trip. They’re going to be stacked on top of each other shifting
around in the back of the truck, after all.
moving insurance – Movers will carry basic
moving insurance, but it will be limited to a certain amount per pound.
You’ll want to purchase additional insurance to make sure the actual
replacement value of your belongings will be covered.
unneeded items – Sort through your belongings
and sell, donate or toss all items you don’t need or never use. The fewer
things you have to load and unload, the less expensive the move will be.
a reputable, experienced mover – Don’t
just hire the cheapest mover. Doing so is a good way to lose or damage
items (or fall behind schedule). Look for a mover that has long distance
moving experience as they will know how to handle the specific challenges
that a cross-country move presents.
accommodations in advance – Do your research to find
affordable hotels to stay in during your trip so that you don’t end up
booking more expensive rooms last minute.
These may seem like simple
tips, but they will help you save money on your cross-country move.
Your credit score matters. If you’re planning on buying a house, one of the first things you’ll want to do is check your credit. If you have bad credit, it can greatly affect your ability to qualify for a mortgage with beneficial terms. The following are just a few ways in which having bad credit can effect you when buying a house:
- Qualifying for a mortgage – Your credit score helps lenders determine how financially responsible and capable you are of paying your mortgage payments on time and in full. The lower your score is, the bigger of a risk you are. If your credit score is particularly bad (say, sub-500), then the lender may refuse to even qualify you for a mortgage.
- Larger down payments – The less you owe, the less of a risk you’ll present to the lender. This means that if you have bad credit, the you may be required to provide a larger down payment to help offset the risk that the lender is taking on you.
- Higher interest rate – If you have bad credit, then odds are your interest rate is going to be quite high. Not only will your monthly mortgage payments be higher, but you’ll end up paying much more over the initial cost of the house once you’ve finally paid off your home mortgage loan.
These are some of the ways that bad credit can affect you when you buy a house. Even if you are able to qualify for a mortgage with your bad credit score, you may want to consider holding off and working on improving your credit. Doing so can help you obtain better terms, which will benefit you over the long run.
Everyone has their list of wants and needs when it comes to finding a new house. However, if you have pets, then there are probably a few things that you’ll want to look for in particular when house hunting. The following are a few tips for choosing a house if you own a pet:
- HOA pet restrictions – There may be certain restrictions on different types of pets. It’s important that you check the HOA guidelines and rules to make sure your pet would be allowed before you buy a house.
- Look for a yard – Depending the type and the size of your pet, you may want a yard where it can play, run around, and possibly even sleep if it’s an outdoor pet (such as a larger dog). Look for a property with the size yard you need for your pet. You’ll also want fencing around that yard–and if there’s no fence, you’re going to have to build one.
- Look for a pet-friendly neighborhood – If you own a dog, you’ll want to live in a neighborhood where it’s easy to walk. If the house is right off a busy road, it may not be ideal. However, if the house is in a quiet neighborhood with large sidewalks or a nearby park, it may be perfect.
- Look for pet-friendly flooring – Carpeting is probably the least pet-friendly flooring since it will get dirty easily and will stain easily. Reclaimed or distressed hardwood flooring is best since scratches won’t stand out as much.
These are some of the most important things that you should look for if you’re house hunting and you own a pet. To help you find a house that’s pet-friendly, make sure that you work with a reputable real estate agent.
If you’ve decided to build your own home instead of buying an existing house, then you might think that you don’t need a real estate agent. After all, isn’t the whole point of a real estate agent to help you find an existing house that fits your needs? The thing is, a real estate agent can do a lot more than just that. The following are a few ways in which a real estate agent can be incredibly beneficial, even if you’ve decided to build your own house:
- Find a reputable builder – If you want to build a house, you’ll need to find a builder. You’ll want to find a builder that not only communicates clearly and listens to what your needs are, but that won’t cut corners. Real estate agents can recommend high-quality builders in the area.
- Negotiate with builders – One of the biggest mistakes people make is to assume that the price that a builder quotes is non-negotiable. That’s not always true. A real estate agent typically has tons of negotiating experience, which means that they could potentially help get the builder to lower their price or offer more in return for the price that they’ve quoted.
- Find a mortgage lender – Many builders have affiliate mortgage lenders that they will recommend. However, they don’t always offer the best terms. A real estate agent will have relationships with several lenders that they can recommend to get you more favorable terms on your mortgage.
As you can see, having a real estate agent by your side can not only help make the process of building a new house less stressful, it could potentially help you save money. To find out more about how we can help you, be sure to contact us at Randy Lindsay in the Charlotte area today.
A lot of buyers will know exactly what to look for inside of a house when they’re househunting. However, the interior isn’t the only space you should be concerned about. It’s important that you look for potential issues around the exterior of the property as well. The following are a few potential landscaping problems to look out for when on the hunt for a new home:
- Landscaping features too close to the house – Having bushes and flowers next to the house might seem aesthetically pleasing, but it also means that insects, such as termites and carpenter ants, will have an easier time getting into your home.
- Trees are too close to the house – If any trees on the property seem like they are too close to the house — or if any of its branches reach too close to the roof — take note. If any branches were to break off during a storm, they could cause serious damage to your roof or siding.
- The landscape slopes down to the house – If you notice that the ground slopes down towards the house, it’s a bad sign. It means that rainwater is more likely to gather near the foundation, where it could cause serious water damage and where it could potentially leak into the house.
- Too many landscape features – You might be impressed by the amount of features that a landscape has, from the flowers and bushes to the gardens and water features, but remember — the more features a landscape has, the more work is required to maintain the landscape.
These are a few things that you should look for when evaluating the landscape of a property.
Once you fall in love with a home, it can be difficult to restrain yourself from submitting a bid right away. In some cases, the emotional pull of a house might be obscuring its actual value — so while you might be willing to put up the asking price, it may not actually be worth that much. The following are some of the things you should be sure to consider before you make the decision to buy even if you’re in love with the house:
- How well was the house maintained? – Ask for maintenance and repair records from the owner. If the owner regularly got the house inspected and invested in repairs when needed, it means that it was well taken care of and problems are less likely to arise in the future.
- How old are the systems and appliances? – Ask about the age of the HVAC system and its components as well as about the age of different appliances, including the oven, dishwasher, washer and dryer, etc. The older these are, the greater the odds are that you will have to pay to have them replaced soon.
- How old is the roof? – Replacing the roof can be a huge expense. If the roof is older, then it may be reaching the end of its expected lifespan. You may not want to buy a house that is going to require such a big investment so soon.
- Is there a need for repairs or renovations? – Owners are required to disclose any issues, so keep in mind any major repair costs. Also, keep in mind the cost of any renovations you may want to do.
- How is the neighborhood? – What other homes in the area have sold for, whether there are schools or parks nearby, the local crime rate, and other factors affect the value of a home. Knowing these will help put the value of the house you are looking at in perspective.
Ask these questions to better assess the value of the house before you buy. Above all, enlisting the help of a local real estate agent can give you insight as to what the market value of the home really is and give you an inside edge.