Protect Your Credit

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Planning to buy a home? Protect your credit score

credit score

Whether you’re thinking about buying your first home or your next home, your credit score will play a huge role in determining what kind of mortgage rates are at your disposal. That’s why it’s vital to keep your score as pristine as possible throughout these unprecedented economic times. If you’re having trouble paying your bills, follow these tactics to keep your credit score protected.

 Contact Your Lenders

There’s nothing wrong with asking your lenders for help in your time of need. In fact, some may already have programs in place to help individuals affected by the downturn. See how the Consumer Financial Protection Bureau recommends discussing these issues with various types of lenders.

Know ALL of Your Accounts

Between student loans, car loans, mortgages, credit cards, and all the other lines of credit at your disposal, it’s sometimes hard to remember all of your accounts, but nothing could be more important. Knowing your accounts, and their statuses, is the only way to know if someone opens or closes an account without your consent.

Monitor Your Scores

That’s right, “scores.” There are three credit bureaus (Experian, TransUnion, and Equifax), each with their own scoring system. Different lenders trust different bureaus, so it’s important to know where you stand with each of them.

Read Your Reports

While scores are a great gauge of your credit, reports are where you’ll see all the information each bureau uses for their calculations. By keeping a close eye on your reports, you’ll be able to address any suspicious activity before it gets out of hand.

Great Lakes Home Team is here to help you with your real estate questions or needs. We have helped so many families sell their home or find their dream home. Do you want to know how much is your home worth is worth, Click here?
Get your FREE Booklet – 10 Things Every Homebuyer Needs to Know. Get started on the correct path to finding your Dream Home!

 

Best Power Tools for DIYers

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Get Ready to DIY!

Tools

Now more than ever, DIY projects are everywhere you look. It seems like everyone is trying to be productive with the little extra free time on their hands, and hardware stores still have lines out the door. If you are just getting into the DIY world and are realizing some of the basic hand tools just aren’t cutting it anymore, it may be time to invest in some smaller power tools that work best for the do-it-yourself enthusiast.

 

1. 10” Sliding Miter Saw

With this tool, you can cut baseboards, frame out a door, and even more. Getting the saw with the slide allows you to cut more significant pieces.

2. Nail Gun

While a hammer and nail approach can work for most DIY projects, you will save yourself time and energy when you invest in a nail gun and air compressor. If you are into reupholstering, you may also want to consider a staple gun.

3. Rotary Sander

If you plan to strip any word surface, invest in a rotary sander. There are plenty of models available under $50 that will save you more time than you could have imagined.

4. Jigsaw

If you love making or updating wood furniture, a jigsaw may be a great addition to your tool bag. The jigsaw allows for cutting various shapes and detailed cutting.

5. Cordless Drill

The cordless drill should be one of your very first DIY tool purchases. You can use the drill for just about everything, from hanging shelves to drilling holes.

6. Air Wrench

The air or impact wrench is essentially a power socket wrench. This wrench is great when you are dealing with tight lug nuts and bolts or stripped screws. They give a high degree of torque without a lot of exertion on your end.

7. Circular Saw

If you need a fast and efficient way to make straight and bevel cuts, you will want to add the circular saw to your list of tools. They can be used by hand or mounted.

Pinterest is a great place to look for ideas to be creative. The time to start is now and have fun!
Great Lakes Home Team is here to help you with your real estate questions or needs. We have helped so many families sell their home or find their dream home. Do you want to know how much is your home worth is worth, Click here?
Get your FREE Booklet – 10 Things Every Homebuyer Needs to Know. Get started on the correct path to finding your Dream Home!

Mentor 4 Bedroom Ranch For Sale

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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.

KEEP YOUR HOUSE SMELLING GREAT (EVERY SINGLE DAY)

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Fresh Smell   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 greatlakeshometeam@gmail.com. Visit us at greatlakeshometeam.com to search for your dream home.

8 HOUSEHOLD USES FOR APPLE CIDER VINEGAR

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ACVYou’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 greatlakeshometeam@gmail.com. Visit us at greatlakeshometeam.com.

Durable Kitchen Floor Options

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durable floors

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

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.

DURABLE CONCRETE

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

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

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

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.

LINOLEUM

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

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!

http://www.greatlakeshometeam.com

#homeremodeling  #kitchenflooring  #loveyourkitchen #greatlakeshometeam

Tips To Get Settled In A New Home

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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.

INSURANCE COMPANIES

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.

Home Buying Myths

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Home Buying Myths

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!

CREDIT SCORES

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.

DOWN PAYMENTS

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.

Save Your Home From Dryer Fires

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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.
  • Screwdriver
  • 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

 

Cleaning 101 Before Listing

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cleaning wp picture

Before you put your home up for sale, you’ll want to ensure it’s clean for all of the buyers that will come through. A dirty house isn’t appealing. You want your home in tip-top shape. Cleaning your home doesn’t have to be overwhelming, below we’ve listed the top things to remember to clean for each room. It can be sometimes inconvenient to keep your home tidy at all time; however it will all be worth it when it sells! That is your end goal to keep in mind.

FOYER:

+ Clean the door and hardware.
+ Wipe off all fingerprints on windows/furniture.
+ Clean off scuff marks on floors and door.
+ Replace all light bulbs and ensure light fixtures are working.
+ Tidy/clean up the coat closet. People WILL look in there to see the size.

KITCHEN: 

+ Wipe down all cabinets.
+ Clean all appliances, inside and out.
+ Clean stove hood, on top and bottom.
+ Clean behind the refrigerator, on top and bottom too.
+ Ensure the microwave is clean of food splatter.
+ Clean the space behind the sink.
+ Wipe down blinds/shades.
+ Wash any kitchen rugs, clean the floors and baseboards.
+ Store all of your pet food/food out of sight.

BATHROOM: 

+ Clean behind toilet and under sink.
+ Only display absolute necessities, declutter.
+ Organize and clean under the vanity.
+ Scrub floors and clean grout lines.
+ Keep dirty clothes and towels off the floor.
+ Be sure to lock away any medication.
+ Clean the fan and make sure it’s functioning.
+ Replace any dead lightbulbs.

BEDROOM:

+ Wash sheets, comforters, and blankets.
+ Clean the curtains and rugs.
+ Dust furniture.
+ Remove any obvious stains from fabrics.
+ Keep closets clean and organized.
+ Store away dirty clothes and personal photos.
+ Clean marks on walls.

These are just the basics you don’t want to forget about. If it’s within your budget, we highly recommend hiring a professional cleaner to ensure your home is in its best condition. Have more questions…Great Lakes Home Team is here to help. Call us today to discuss your needs. http://www.greatlakeshometeam.com