Skip to main content

Posts

Showing posts from October, 2020

Turn Your Home into a Safe Haven

  October marks the beginning of the cold and flu season for many states across the US. Add a pandemic, lingering wildfire pollution, and seasonal allergies to the mix, and you can see why it’s so important to protect the air inside your living space. Below are some helpful tips for keeping your home — and yourself — healthy until spring. 1. Filters matter. Air filters come in all shapes, sizes, and, most importantly, strengths. No matter which rating system your filters follow (MERV, MPR, FPR, HEPA, etc.), a higher number means better performance. While low-strength filters may be cheaper, they’re usually only successful at trapping large air particles like loose hair and dust bunnies. The highest-rated filters can trap everything from mold spores to virus-carrying aerosols. If stronger air filters fit your budget, they could be a worthy investment this year. 2. There’s a reason air purifiers are so popular. Move over, pressure cookers. The hottest home appliance this year is the ...

Why do home buyers use mortgage lenders?

  Today, most homebuyers don’t have the means to cover the full amount of the purchase price. The majority of homebuyers will start by talking to a lender to determine how much they can afford. Once the homebuyer gives the lender financial information, the lender will provide the homebuyer with a pre-approval letter, stating how much they can afford. From this point, the homebuyer can see home properties in their pre-determined price range. Once they have an accepted offer on a property, the buyer will apply for a mortgage loan to purchase a property through the lender.   Why would the buyer need to use a lender before seeing any property? In today’s competitive market, it is typical for home sellers to require proof that the buyer can afford to buy their home before they are allowed to step foot in the property or make an offer.   Pre-approval vs. Pre-qualify  A pre-approval letter is a conditional commitment to grant you a mortgage loan. This letter will let you kn...