CENTURY 21 CUDDY



Posted by CENTURY 21 CUDDY on 2/10/2019

One of the most satisfying aspects of being a new homeowner is the process of "making it your own."

That could include everything from painting walls and hanging pictures to replacing window treatments and assembling shelves. (Then, of course, there's the unpacking, furniture arranging, organizing, and room cleaning!)

For some people, one of the biggest challenges in getting unpacked, set up, and fully decorated is keeping their motivation high. While momentum is usually highest during the first few weeks of living in a new home, a lot of distractions, interruptions, and competing priorities can quickly vie for your attention.

In addition to using good time management skills and setting self-imposed deadlines for getting projects done, here are a few other strategies for staying on track with your decorating and home improvement goals:

Purchase needed supplies ASAP: It's easy for a project to get derailed or put on the "back burner" when you don't have all the tools, supplies, and materials you need to get started. Painting walls and ceilings is the perfect example because you can't get fully underway until you have a variety of brushes, rollers, paint trays, drop cloths, painters' tape, and a sufficient supply of paint -- often more than one color. If you have holes or cracks to fill, you may also need additional supplies like joint compound, a putty knife, and sandpaper. When you have immediate access to all the supplies you need for a particular project, it eliminates potential delays, excuses for getting started, and interruptions in your work flow.

Arrange child care: Sometimes the best approach to keeping your children supervised and entertained while you're working on the house is to hire a responsible teenager to babysit. If you have one or more older children in the family who can help take care of the younger ones for a few hours, then that's even better. In either case, you'll be able to stay focused on the task at hand and get a lot more accomplished.

Make it a priority: The problem with continually postponing a home repair, a landscaping task, or a painting project is that weeks can easily turn into months! Before you know it, years have gone by and you still haven't organized your basement, cleaned out those clogged rain gutters, or applied a fresh coat of paint to your outdated bathroom walls. By blocking off a specific period of time for getting a project underway or completed, you'll be accomplishing your home maintenance goals and beautifying your home faster and more efficiently.

Commit it to writing: When you write yourself a reminder note, create a to-do list, mark it on your calendar, or even text your spouse about your plans to tackle the project on Saturday, you've increased the probability that it will get done. Verbally telling people about it, such as when they ask you what you're doing this weekend, will also help fuel your motivation and nudge you to get the job done in a timely way!





Posted by CENTURY 21 CUDDY on 6/5/2016

OrganizedWhether you buy your first home later in life, or directly from college, buying your first home is a major milestone in your life.† For that reason, there are things you need to be knowledgeable about before your purchase is complete. You will want to safeguard yourself so you know that you are getting a home and a loan that you can afford. Here are a few tips from mortgage and real estate pros to help prepare you for the biggest purchase of your life. Using an Agent If you are a buyer, then there is no reason not to use a real estate professional. It does not cost you any more money to hire an agent. That agent will do more than find you that perfect house. You will discover that after you find a house is when you will need that agent the most.† The agent will use their expertise to present your offer to the seller and then address issues that may arise between contract and closing. House Hunting Remember, location, location, location. This is very important when buying a house.† Location plays a big part in determining the market value of the home. Before you start the house hunting process, make sure you know what neighborhood is a good location for you. Also, it would be good to have an idea of what style home you are looking for. Real estate moves quickly, so if you see a property that you love, you should move on it before someone else does. Find a Loan that Works for Your It sure can be tricky business trying decide what kind of loan is right for you.† There are many different types of loans that you should be aware of.† There is an Adjustable rate mortgage which has an interest rate that is linked to an economic index. So as the index changes your interest rate and payments may go up or down. There is also a 30 Year Fixed Rate Mortgage as well as a 15-Year Fixed Rate Mortgage. Some state and county maximum loan amount restrictions may apply. Home Buyer Alternatives for First Timer Saving for a first home can sometime seem like itís a hill that too steep, but donít worry there are assistance programs that can help. The Federal Housing Administration offers loans to people with a credit score as low as 640, low down payments and down payment assistance. There are also VA and USDA loans: Certain active members of the military and veterans as well as qualifying residents of designated rural areas can qualify for a 0% down-payment housing loans that are free of mortgage insurance fees. How Much Do You Have to Put Down? It really depends on what type of loan you have. If you have a conventional loan then you may have to put as much as 20% down. It is possible to put 5% down on a conventional loan if you donít mind paying mortgage insurance.† If you go with the FHA loan you will need at least 3.5 % down.† For people who are relying on others to help with down payments, an FHA loan may be a good option. First time home buyers need to look around and know that there are a multitude of down payment assistance offers by state or local governments. Closing cost: There can be a lot of hidden fees in closing costs; first time home buyers should be aware of these costs.† These fees are typically included in the closing costs, including fees for commissions, appraisals, inspections, certifications and surveying.† There will also be fees for government record changes, tax and title services and transfer taxes.







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