This renovated ranch home is much larger than it looks. Two newer Air Conditioners added and a newer furnace added as well. All new flooring Luxury Vinyl tile and carpet. The huge family room is open to the kitchen and adjoining enclosed patio. Newer windows and slider. All interior doors are new and most others as well. All the bedrooms have large closets. The master bedroom is huge with sitting area. Newer LED lighting and electrical panel. Large 2 car garage.
You’ve found your dream home. After months of searching, you’re finally closing on the house that you’ve wanted for so long. The last thing you want to do is take any action that would interfere with the closing of your home. Since the start of your home search, your agent has probably told you time and time again not to do anything that would impact your credit score, like opening a new line of credit or making a large purchase. While this makes sense during the approval process, you may wonder why it is key to keep your credit in check until after closing. Here is an explanation of the 2 credit checks performed during the home-buying process and why it is important to maintain your credit from start to finish.
Pre-Approval Credit Check
To get a loan to purchase a home, you’ll go through a pre-qualification process. You’ll let your potential lender know a variety of financial information, from your credit score and employment to your marital status, as well as any number of factors that can impact your qualification. With this self-reported information, you can then be pre-approved. After that, lenders will verify the information you’ve provided and this is when they will pull your credit history. It is important that what you’ve reported matches the credit information pulled by the lender – which is why you shouldn’t miss any payments or open new cards during this time. Lenders offer approval based on a risk assessment, and you do not want them to think that you are a risk.
Credit Check at Closing
The main concern of the lender is the risk you pose to them. Because it can take time for an offer to be accepted, your lender may pull a second credit check while waiting for your loan to pass underwriting. This is to ensure your credit hasn’t changed since the initial credit check. If you took out a loan or created massive credit debt, you could change your debt to income ratio and your lender could decide you are too risky to loan to. This is why it is so very important to keep your credit in check before, during, and after the home-buying process!
Have you ever walked into someone else’s home and were overwhelmed by how incredible it smelled? Or maybe you couldn’t wait to leave because there was a not-so-great scent as soon as you entered? Often, we become so accustomed to the way our own home smells that we don’t notice if the scent is bad or good. It can be frustrating to wonder what others think about the scent of your home. If you feel like your house doesn’t always smell fresh, follow these steps to make sure that it smells amazing all the time.
ELIMINATE BAD SMELLS
- Empty garbage cans regularly
- Clean out your refrigerator once a week
- Sprinkle baking soda or carpet deodorizer before vacuuming
- Open the windows when the weather is nice
- Invest in an air purifier
- If you have pets, brush and bathe them often
- Get rid of old musty towels
- Use a daily bathroom cleaner spray to prevent mildew smells
- Pour a little drain cleaner in your sinks on a weekly basis to get rid of any unwanted scents
ADD NEW SCENTS
- Add a few drops of essential oils on your air filters
- Use linen spray daily
- Burn candles
- Use a wax melter
- Use homemade potpourri in your crockpot
- Place car vent clips in your air conditioner vents
- Buy fresh plants for your home
- Invest in good-smelling cleaning products with scents you love
- Use an essential oil diffuser
Looking to buy, sell or invest in real estate? Let Great Lakes Home Team help you. Contact us at 440 299-5137 or firstname.lastname@example.org. Visit us at greatlakeshometeam.com to search for your dream home.
You’ve probably heard about all the benefits of apple cider vinegar in the beauty department – it can be used as a toner, a deodorant, and even a conditioning hair rinse. But did you know Apple Cider Vinegar can be used as a cleaning product? If you’ve been thinking of going non-toxic, replacing your current cleaners with apple cider vinegar is the affordable, easy way to do just that. Here are some of the household items you can replace and how to do so!
1. Fabric Softener
Apple Cider Vinegar is a great way to condition your laundry if you have sensitive skin. Just add 1/2 cup of apple cider vinegar in place of your fabric softener and stop all the itching caused by harsh chemicals.
2. Household Cleaner
Apple cider vinegar has a great deal of antibacterial properties so it works extremely well as an every day household cleaner. Mix equal parts water and Apple Cider Vinegar in a spray bottle and you’re ready to clean! While the vinegar smell will fade, you can add a few drops of citrus essential oil to leave a great smell once it dries.
3. Drain Cleaner
Instead of buying drain cleaner filled with dangerous chemicals, use safe items you probably already have! Mix 1/2 cup of salt and 1/2 cup of baking soda and pour that down your clogged drain. Then, pour 1/2 cup of apple cider vinegar. Let the products react for 1-2 hours and then rinse with warm water.
4. Window Cleaner
Using the same combination as the everyday household cleaner, mixing equal parts apple cider vinegar and water to create a smear-free window spray.
5. Stainless Steel Cleaner
Your typical stainless steel cleaner can get pricey. Instead, use apple cider vinegar straight out of the bottle to clean your stainless steel.
6. Sticker Remover
Sticker removal can be a giant pain. Soak the area where the sticker won’t budge with apple cider vinegar for about 20 minutes, and then scrape it off!
7. Weed Killer
We’ve all read the warning labels on weed killer found at local hardware stores, so it isn’t a surprise that we can be hesitant when it comes to using those products in the yard where our children or pets spend a great deal of time. Avoid those harsh chemicals and create an alternative, effective weed killer. Mix 1/2 gallon of Apple Cider Vinegar, 1/4 cup of salt, and 1/2 teaspoon of dish soap in a large spray bottle. Be sure to spray on each set of weeds individually and avoid spraying any plants you want to keep.
8. Mildew Remover
If you’re trying to get rid of mildew in your bathroom, use apple cider vinegar! For heavy mildew, use Apple Cider Vinegar on its own. For lighter stains, use equal parts Apple Cider Vinegar and water. You can add essential oils to this mix as well for a scent booster.
Looking to buy or sell or invest in real estate? Let Great Lakes Home Team help you with all your real estate needs. 440 299-5137 or email@example.com. Visit us at greatlakeshometeam.com.
Kitchen floors get put through quite a lot! Between all of the dropped utensils, the spills and drips, and everything in between – your kitchen is often one of the most used rooms in a home. Your kitchen floors need to handle kitchen hazards and look good doing it. A large variety of floor materials won’t be an ideal fit for the kitchen because of this. Below, we are listing our favorite kitchen floors that will help keep them low maintenance while keeping a balance between style and functionality.
Ceramic tiles can be a great fit for the kitchen because they are resilient, hard, and impervious to stains and water. It also helps that they are resilient to heat and breakage, under normal conditions. They come in a variety of colors and even faux finishes to add a beautiful, yet smart, addition to your kitchen.
Concrete is a great option for ground level kitchens and is a long-lasting option for homeowners. Sometimes, concrete slabs may have already been placed beneath your existing flooring. The surface of concrete can be polished or stained to provide a stylish look for your kitchen.
Natural stone is a hard rock which allows it to remain durable and long-lasting. The only drawback to stone is that it is porous, which makes it susceptible to water and liquid stains. This can be avoided with an annual application of chemical stone sealer, which simply provides an invisible coat of protection.
Hardwood can be tough to work within a kitchen because the material is porous and relatively soft. However, if you like the look of hardwood in a kitchen, you’ll just want to have it treated with a quality polyurethane-based finish. Keep in mind that it will, overtime, take on a more aged look. If you find character and personality in imperfections, then hardwood will work great for you.
Bamboo has a similar look and feel to hardwood, and can be a great alternative. It is a harder and more durable material which helps it to be more resistant towards moisture and water damage. The only drawback? It’s tough to refinish because there is no direction to the natural grain.
Made popular about 50 years ago, linoleum seems to be making a comeback. Linoleum is made from all natural linseed oil, which makes it pretty environmentally friendly. These floors also pretty easy to clean and maintain. If it is properly cared for, it can generally have a lifespan for upwards of 40 or so years. However, if it is immersed in water, it is highly susceptible to damage. Be sure to avoid basement-quality linoleum in your kitchen or it may begin to curl when faced with humidity.
Vinyl is a great and affordable kitchen flooring option. The lifespan of vinyl generally tends to run from 7 to 10 years before it starts showing significant signs of wear and fade. Vinyl is man-made and is nearly impervious to water issues, stains, and other damage. It is also very easy to clean!
Don’t want to replace your flooring? You can always give us a call and we’ll find you a house with the type of kitchen flooring that you love!
Ten chores around the home that you really only need to do annually, minus special circumstances. Let’s dive in!
1. Curtains & Drapes
Unfortunately, we don’t mean the dusting part. You’ll want to dust at least once a month, but when it actually comes time to getting them cleaned, you only really need to do that once a year. You can take them in to get dry cleaned or follow the instructions on their tags if you choose to wash them at home.
2. House Gutters
Gutter guards can be a great investment, especially if you live around trees that shed all year long. These can keep your gutter cleanings minimal, generally about once per year. You’ll want to do this in the autumn when all of the leaves from the trees have already fallen. If you have alot of leaves, we recommend you do this more often.
3. Fireplace & Chimney
After the winter, you’ll want to give your fireplace a thorough cleaning. You can use a shop vacuum to clean up the embers. Make sure to wash down the fireplace tools as well. Go an extra step further and schedule an appointment with a chimney sweeper.
We wish we meant vacuuming, but that’s pretty much a weekly or biweekly task for most households. In this case, we mean a deep clean. The best time to get this taken care of is right after summer.
5. Outdoor Furniture
The best time to clean outdoor furniture is when you bring them out of storage for Spring. Of course, if messes up happen while you’re using them, you want to clean the spots right away, so you avoid an accumulation of stains in a short period.
Mattresses have improved through the years but they still need a little bit of attention. At least once a year, give your mattress a thorough cleaning and change the position of it.
7. Kitchen Cabinets & Pantry
Early November is a great time to clean out kitchen cabinets, drawers, and the food pantry to get them ready for the holidays. Do a section of cabinets at a time and empty them out completely. Wipe down the shelves and reline with shelf paper if needed.
8. Linen Closet
Just once a year, empty out your linen closet and give it a thorough cleaning. Take time to vacuum away dust and spiderwebs and reline any shelves.
9. Garage, Basement, & Attic
No one is expecting you to have a perfect garage, basement, or attic. However, a good cleaning at least once a year can help you keep an eye on things, such as moisture or insect problems. It can also feel good to get rid of junk that tends to accumulate in these hidden spaces.
To keep your grill working well it is a good idea to clean the parts. Wearing work gloves, remove the grates and the metal plates under them. Place in a bucket of hot water and regular dish soap.Clean the interior and exterior.
If you’re in the market to sell your home, we can refer you over to some of our preferred vendors that can help you knock out your cleaning tasks. Great Lakes Home Team with Keller Williams Greater Cleveland Northeast is here to help and only a phone call away! Jody Finucan and Danielle Dooley…www.greatlakeshometeam.com.
When selling your home, you’re obligated, by law, to disclose certain information about your property. Most states require that all sellers complete a written property disclosure form. Ohio is one of those states. Majority of the forms have a required set of questions that must be answered.
Most states require sellers to complete this form when listing for sale. Nearly all of the questions are a basic yes/no/unknown response. The questions will address material facts, major defects, special disclosures, and federal disclosures. All forms vary by state and require different information.
These include the age of the property, it’s condition, known problems, and defects. These are all of the information that would influence a buyer’s decision to purchase your home. These disclosures require you to address known defects, things that are reasonably apparent, to ensure you don’t knowingly hide a major defect.
All major defects MUST be disclosed. For instance, fire or flood damage. If your home’s electrical system isn’t up to code, and you’re aware of this, it must be shared with potential buyers. Repairs you have completed, as well as improvements and upgrades, should be noted as well.
Since all states have varying federal and special disclosure laws, it’s imperative that you reach out to a local real estate agent to get assistance with the sale of your home. Great Lakes Home Team with Keller Williams Greater Cleveland Northeast is here to help you through the entire process. Jody Finucan and Danielle Dooley are only a phone call away!
Moving into a new home? We know how exciting it can be! We’ve compiled a list of a few things you can do after your move to make sure your experience is comfortable. The hardest part of a move is getting settled in, after that, let’s handle a few loose ends that sometimes get forgotten about till the last minute.
CHECK MAJOR APPLIANCES
Be sure to check all the appliances to ensure everything is still in working order after the move. You want to make sure nothing was broken in the move or stopped working suddenly. Look at things such as your stove, dishwasher, washer and dryer, refrigerator, and microwave. If you brought any appliances yourself and you used movers, you’ll want to make sure everything still works with them, since mover’s insurance companies give a limited timeframe for when you can make a claim.
CHECK ALL OF YOUR BOXES & FURNITURE
Be sure to go over all your boxes and furniture to make sure nothing got damaged during the move. Be sure that everyone has arrived and didn’t get lost in the process. If you notice something is missing a month later, it may be too late to file a claim with the moving company. Even if you don’t plan on unpacking everything as soon as you move in, just do a quick review and inventory everything you brought to protect yourself and your belongings.
SET UP UTILITIES
Did you remember to set up your utilities before moving in? There’s nothing more frustrating than moving into your home to realize the lights don’t work. Make sure you’ve gotten with all of the necessary utility companies to have everything turned on in time for your move.
REGISTER INTO A GOOD SCHOOL
You may have already known to look for a school for your kids prior to your move, but if you haven’t yet found one, be sure to research all the schools local to you to find the right fit for your family. The sooner you can find the right school and register, the easier and less stressful it will be to get them in and settle.
REGISTER YOUR CAR
If you’ve moved to a new state or country, you’ll want to make sure to register your car in your new hometown and update your driver’s license, tags, and plates.
CONNECT TO YOUR NEIGHBORHOOD
Join sites like Nextdoor.com or get a subscription to your local magazine/newspaper to stay in touch with what’s going on in your neighborhood. Be sure to also join local community Facebook groups. You can find out about events or concerns relating to your community.
GETTING YOUR MAIL
Have you updated your address from all the people you’ll be expecting to get mail from? Like your bank, friends, family, and services you still pay for after your move. Check with the post office to have things redirected to your new address while you work to update your info with everyone else.
FIND THE RIGHT PROFESSIONALS
If you’re moving far from your last home, you’ll want to have the right connections. Find a new doctor, dentist, vet, handyman, plumber, etc. Add them into a contact book that’s easily accessible.
EMERGENCY CONTACT LIST
Make sure you have all the correct numbers in the case of an emergency. This can also include doctors, the local police station, a vet, etc.
More than likely, you handled home insurance and home warranty during the purchasing process. If you haven’t, be sure to get those taken care of right away. You’ll also want to get your auto, health, and any other necessary household insurances sorted for your move.
Great Lakes Home Team is here to help you with or someone you know to buy, sell or invest in real estate. We are only a phone call away…440 299-5137.
greatlakeshometeam.com for a list of homes for sale.
Although the internet can be a great resource for a variety of information, a lot of that information is incorrect. One of the most important and expensive decisions in your life, home buying, tends to circulate a lot of misinformation. Most of that misinformation is in regards to how much of a down payment you need or what your credit score needs to be. Let’s go over the real facts about buying a home and knock those myths out, so they don’t hinder your ability to purchase!
Though it may come as a surprise, you don’t need a perfect credit score to purchase a home. Traditional bank lenders will work with credit scores as low as 640, but your agent can also get you connected with local lenders that accept credit scores as low as 580. Although there are other required stipulations to qualify for the loan, you don’t need a perfect score in the 700’s or 800’s to get approved for a mortgage.
You don’t have to sell an arm and a leg to be able to purchase your dream house. There is a huge misconception that you need to pay a minimum of 20% down to buy. That information is outdated. These days, there a large variety of loan programs that only need an average of 3-5% down. Based on your income or military status, you may even qualify for mortgage programs that require 0% down. Although you’ll expect to pay an additional 3% in closing costs, which is separate from the down payment, this is still significantly less that 20% of the purchase price. If you’re in a buyer’s market, you may even be able to negotiate for the closing costs to be covered by the sellers.
Let Great Lakes Home Team walk you through the home buying process. It starts with a pre-approval with a credible lender and sitting down with us for a buyer consultation. Don’t let online myths persuade you into thinking you can’t qualify or afford to buy a home. There are a variety of programs to help you get into your dream house.
Every year, more than 2900 home fires are started by clothes dryers. The leading cause of these fires are from a build of up lint from lack of maintenance. The removable lint filter unfortunately doesn’t catch all of the cloth and fabric particles, so maintenance requires a little more than just emptying the filter after each load. Whether you live in your own home or plan to purchase in the near future, it’s important to have safeguards in place for the utilities that you use that could put your home at risk. You want to make sure that the lint that gets trapped in crevices and in the hose on it’s way outside are thoroughly cleaned.
Here are a few warning signs to look for that may indicate your dryer is getting clogged up by lint:
- Clothes are taking a lot longer to dry, and sometimes not even drying all the way.
- Clothes may be hotter by the end of the cycle.
- The outside of the dryer starts to get really hot.
- The outside exhaust vent flapper isn’t opening much.
- The laundry room begins to feel really humid.
- There is a burnt smell in the laundry room.
If this seems to be the case, then you’ll want to evaluate your dryer. The tools you need to clean it are as follows:
- A vacuum with a long hose attachment.
- Dryer vent brush kit.
- UL listed metal foil duct tape
Here are 4 steps to cleaning your dryer:
1. Remove the lint trap filter and make sure it’s completely cleaned off. You want to make sure you’re cleaning the filter after every load to help prevent lint build up.
2. Vacuum the space that houses the lint trap filter. The filter doesn’t capture all of the particles, and this is the second place the lint will begin to accumulate.
3. Disconnect the dryer duct and clean out the duct with a long hose from a vacuum. You can also use a duct brush to help you complete a more thorough job.
4. Make sure the duct is connected properly. You don’t want it cinched in any part of the duct, to prevent crevices where the lint can get stuck.
No one knows the value your home has as much as this real estate pro, keep it protected by taking some simple cautionary steps to keeping everything in running order. And if you’re in need of a brand new laundry room altogether, don’t forget to give us a call. Great Lakes Home Team is here to help. Have a question…ask. Interested to learning more about selling your home or buying a home…we would love the opportunity to sit down and discuss your wants and needs. http://www.greatlakeshometeam.com