Get Pre-Approved for a Mortgage
Get Pre-Approved for a Mortgage Before Looking at Homes
Buying a home is a big investment, and preparing before you start looking at properties is essential. One of the most critical steps a buyer can take is to get pre-approved for a mortgage. Here are a few reasons why this is so important:
Helps establish a budget:
Getting pre-approved for a mortgage will give you an idea of how much you can afford to spend on a home. This will help you narrow down your search to properties that are within your price range.
Getting Pre-Approved Makes you a more attractive buyer:
When a seller receives an offer from a pre-approved buyer, they know that the buyer has already been through the financial vetting process and is more likely to be able to close the deal. This can make your offer more attractive to the seller.
Gives you a competitive edge:
In a competitive housing market, pre-approval can give you an edge over other buyers who haven’t taken this step. It shows that you’re serious about buying a home and that you’re financially prepared to do so.
Let’s you act quickly:
In a hot housing market, properties can go under contract fast. If you’re pre-approved, you’ll be able to move quickly when you find the right home.
Getting Pre-Approved Helps avoid disappointment:
The disappointment of finding the perfect home only to learn that you cannot get a mortgage is a feeling no one wants to have. By getting pre-approved, you’ll know in advance if you qualify for a mortgage and can avoid this disappointment.
In conclusion, getting pre-approved for a mortgage is an important step for any home buyer. It will help you establish a budget, make you a more attractive buyer, give you a competitive edge, and help you avoid disappointment. Consult with a mortgage lender and get pre-approved before looking at homes.
8 Signs You’re Ready for a Change
8 Signs You’re Ready for a Change of Scene
Moving is an exciting and challenging process. For some, it’s a step in the right direction for their career, education, or personal growth. For others, it’s a way to shake things up and see if life would be better somewhere else. Whether you’ve been pondering a move for a while now or only just started considering it seriously, here are some signs that you might be ready for a change of scenery.
You’ve outgrown your current environment.
You’ve been in the same place for a while now, and it might be getting harder to adapt to your surroundings. Maybe you feel frustrated or uninspired by the area due to long-term economic decline, cultural shifts, or inadequate public transport. You might feel like you’ve outgrown your neighborhood or city professionally and are looking for new challenges with a change in environment. Moving can help shake things up and see if the grass is greener.
You hate your commute.
There’s no right or wrong amount of time that people spend commuting. But if you find yourself regularly inching ever closer to the red line, you might want to consider making a change. Moving to a place where you have a more reasonable commute can make a huge difference in your overall happiness. You’ll spend less time in a state of mild to moderate rage, which canimpact the rest of your life. You’ll be able to make better use of your time. Some of us have the ability to multi-task during our commute; others might use the time to clear their head, read or listen to a podcast. When you don’t hate your commute, you might feel more positive about your general life.
You feel uninspired by your current environment.
Some people are happy living in a desert, but others might be feeling a little too parched. If you’re surrounded by an environment that doesn’t provide you with the things that are important to you in life — whether it be nature, culture, art, an exciting community, or something else — you might want to consider moving. Any change of scenery can help you feel inspired again. It’s natural to feel tired and uninspired as you get older, so don’t be surprised if you feel like a change of scene can help you get more out of life again. Moving somewhere new might spark new interests, make it easier to meet new people, and give you a fresh view of the world.
Your rent or mortgage is too damn high.
You don’t have to have a huge mortgage to be stressed out. Even if you’re renting, you might be struggling to make ends meet. If you’re in a place where housing is ridiculously expensive, it can put a real strain on your finances. It might be affecting your ability to save for the future, and it might also be affecting your health. Moving somewhere with a lower cost of living might make it easier to get your financial house in order. You’ll have more money left over at the end of the month, which will make it easier to save for the future.
Your current job isn’t satisfying you.
You might love where you live but hate your job. You might feel stuck in a place that doesn’t let you grow or make the most of your skills. Moving might be a good way to shake things up and try something new. You don’t have to quit your job, of course. But a new location might make it easier to find a new job or get more out of your current one. You might be able to find a better fit with a different culture, making it easier to fit in, stay motivated and feel like you’re making the most of your skills. Moving might make it easier to find a new job in the same field or a different one. As a bonus, you might be able to find a better place to live, too.
It’s time for a life change, not just a location change.
You might feel stuck in your current job, city, or relationship. You might feel like you need to shake things up and make a significant change for the better. Moving can be an effective way to do that. Making a move can help you shake up your life, meet new people and make new friends, test yourself and make new career connections. Moving to a new place might offer an escape from a bad relationship, help you break out of a rut in your career, and make it easier to get in touch with your creative side. This can be an excellent way to shake things up when you need a life change, not just a location change. Moving can be a good choice when you know it’s time for a life change, not just a location change.
Ready for a change.
If you’ve outgrown your current environment and it won’t get better on its own, you might be ready for a change. It’s a big decision, but one that can shake up your life and make things better. Before you do it, though, make sure you’ve got a plan. It’s not enough to decide to move somewhere else; you also have to figure out how to get there. Moving can be a great decision, but only if you’re willing to put in the work, it takes to make change happen. If you are ready for a change, maybe now is the time to make it happen.
Florida Labor Day Ideas for Holiday Fun
Labor Day is the final hurrah of summer and a great time to spend with family and friends. There are a ton of amazing activities that you can do, such as picnics, fairs and other outings. No matter how you choose to celebrate the end of summer and first day of fall, here are some great ideas for having fun this Labor Day.
Go to the Beach
Beaches are a great place to spend Labor Day. Pack a cooler with some drinks and snacks, grab some friends, and enjoy a day at the beach. Go early to beat the rush and get a good spot near the water. Enjoy a day of sunbathing, sandcastles and swimming.
Attend a Labor Day Fair or Festival
Many cities have Labor Day fairs and festivals. These are great places to go with family and friends. You can enjoy food, games and other activities. If you have kids, you can let them ride the rides or play games. You can also take your kids to these places and have them explore the booths where people sell toys, crafts and other items.
Go on a Hike and Enjoy the Views
If you are more of a nature person, you can go on a hike. Many parks and nature trails have less people during the late summer months. As a result, you can enjoy the trails and scenery without having to weave your way through crowds. Go out and enjoy the sights, sounds and smells of nature.
Have a Labor Day BBQ with Your Friends and Family
Another great idea is to throw a BBQ with your friends and/or family. You can have a potluck and make it a really fun event. If you have older children, you can have them make and bring their favorite food. If you have younger children, you can have them help you cook. You can have a fun and messy time cooking together and eating. You can also have a Labor Day BBQ at some parks.
Labor Day is a great holiday to celebrate with family and friends. There are so many great activities that you can do to celebrate the holiday, from visiting the beach to having a BBQ. No matter how you choose to celebrate, it will be a day to remember. No matter which event you choose, you’ll have a great time celebrating this holiday.
Benefits of Working With Your Local Realtor
The Benefits of Working With Your Local Realtor
Today, more home buyers are turning to the internet and social media to get information on real estate. As a result, it’s now more important than ever to have a trusted real estate professional, a local Realtor. Working with an agent can help you navigate the ins and outs of buying and selling a home. A local Realtor can guide you through what you need to know as a first-time buyer, assist in pre-qualifying for financing, identify neighborhoods that fit your needs and budget and find listings that meet your criteria. Realtors also understand the nuances of individual communities and know how to negotiate on your behalf. Reducing your stress in the process.
Why Working With a Local Realtor Is Worth It
Real estate agents are professionals who can guide you through all the steps in the home buying process. They understand the best ways to find a home, negotiate with the seller, and close the deal. Working with a real estate pro gives you access to a team of experts. They can help you find homes that meet your needs and budget, get a financing pre-approval, and guide you on what to look for and what to avoid when buying a home. Realtors know the local market trends and can help you find the best deal. They help you navigate the paperwork, negotiations, and inspections. They are also there to support and guide you through the emotional aspects of buying a home. As you go through this process, you might feel stressed and overwhelmed. Having someone on your side to help you through the process is worth it.
Online Tools for Home Buyers & Sellers
There are lots of online tools for home buyers that can help you get started with your search. The most important thing is to find a house that meets your needs and fits your budget. Here are a few tools to help you get started: – Home affordability calculators: These tools will help you understand how much you can afford. – Listing sites: Many real estate listing sites can help you find a home. You can search for homes right here at HomesHernandez.com. – Home price tracking tools: These tools provide data on recent home sales and trends in your neighborhood. This can help you identify a property’s worth should you sell. – Credit score trackers: Many tools can help you check your credit score and improve it. – Mortgage calculators: These tools can help you estimate your monthly payment based on the loan amount and interest rates.
Online Tools for Home Buyers & Sellers Helpful Links
Listing sites: Homeshernandez.com
Price Tracking Tool: Neighborhood News
*Neighborhood News Defaults to zip codes. If you would like a more localized report give me a call or send me a message and I would be more than happy to set that up. Contact Me
Mortgage Calculators: Calculators
Pros of Working With a Local Real Estate Professional
Working with a local real estate pro is an investment in your future. You’ll be able to maximize your buying power with the help of someone who knows the market and can identify properties that meet your needs. An expert will also be able to guide you through the negotiation process and understand what you should expect from the seller. They know the tricks of the trade, and they can help you save thousands of dollars. With the help of an expert, you’ll be able to buy a home faster. You’ll be able to purchase the right home, in the right neighborhood, with the right financing, at the right price. They know the best areas of town to look in and understand the market conditions in these areas. Working with a pro means you’ll be ready to make an offer on the perfect home.
Research and Location
You’ll want to do a bit of homework to get started. It’s essential to understand the market conditions in your area, your budget, the type of property you want, and the amount of time it will take to buy a home. – Market conditions: To understand the market conditions in your neighborhood and the nearby communities. You can do this by talking to a local realtor and reading reports. – Budget: You’ll need to understand how much you can afford to spend on a home. This will depend on your current financial situation and other expenses. – Type of property: You’ll want to know the type of property you want. Do you want a single-family home, townhouse, condo, etc.? – Time frame: You’ll need to understand how long it will take to buy a home. This will depend on the market conditions and how competitive the buying process is.
A Local Realtor Has Your Back
When you find a home you are interested in buying, you’ll want to ensure you have the right financing. Working with a real estate agent makes this process easier. With their help, you can get a pre-approved loan and know how much you can spend. A pro can also help you find the best financing for your situation. A Realtor can help you navigate the application process and understand what you qualify for. They will also help you avoid any pitfalls along the way. Guiding you through the process, understanding what you need, and representing you in a way that most buyers can’t do on their own. Working to secure the best possible deal.
Closing the Deal
You’ll want to make sure that you are prepared to close the deal once you find a home you want to purchase. You’ll want to get a home inspection done and complete the financing process. A local expert can help you make sure you get an inspection in time and understand what it reveals. They can also ensure you have the right financing and talk to your lender on your behalf. Working with a pro will ensure that you are prepared and have everything taken care of. This will reduce your stress, and you’ll be more likely to find a home that meets your needs and close the deal.
Buying a home can be daunting, especially if you are a first-time home buyer. It’s important to find a real estate professional who can help you navigate the process and get a fair deal on the property you want to buy. An expert can help you find a home that meets your needs and budget, navigate the home inspection process, and get a good deal from the seller. Working with a local Realtor will make the process easier and reduce your stress.
5 Reasons You Need a Pool for Your Home
5 Reasons You Need a Pool for Your Home
There are many reasons you need a pool for your home! If you’re looking for a place to cool off and have fun in the summer heat, consider adding a pool to your home. Pools are an excellent addition to any residential property because they offer homeowners endless fun and relaxation opportunities. In addition to being beautiful focal points of any backyard, pools offer many benefits and risks that should be considered before making this upgrade. A professional contractor can advise you on what type of pool is best for your home and help you understand the costs and tradeoffs associated with each option. Read on to learn about 5 reasons why having a pool at home makes sense.
Pools Are a Great Way to Stay Fit and Healthy
Having a pool at home is an easy and convenient way to stay fit and healthy. Swimming is a low-impact exercise that is great for people with joint pain or at risk for arthritis. Burn calories and improves cardiovascular fitness, which helps reduce the risk of heart disease and stroke. Swimming also strengthens muscles and bones, reduces stress, improves coordination, and promotes a good night’s sleep. If you have kiddos, they can also join in on the fun. If you have a large enough pool, you can even use it as a lap pool to meet your fitness goals. A lap pool is large enough to accommodate a set distance, e.g. a standard lap length is 50 meters. If you have young children, you can also introduce them to water safety early with swimming lessons.
Pools Are Great for Your Mental Health
A backyard pool can also improve your mental health by giving you an outlet for relaxation and stress relief. Swimming is a great way to clear your head and find a moment of peace in your daily life. Additionally, swimming in a pool surrounded by nature and wildlife can also be a wonderful way to boost your mood and lower your stress level. If you have kids, having a pool at home can also be a great way for them to de-stress and let off some steam. Kids (and adults) often feel pent up with energy and emotions that they don’t know how to express, so having a place to let it all out can be a helpful outlet.
Pools Are Great to Host Events and Parties
Consider adding a pool to the mix if you’re looking to throw a party or event at your home. A pool can transform your backyard into a beautiful, inviting space where friends and family can come together to relax, have fun, and enjoy themselves. Having a pool at home gives you the flexibility to host events at any time of year, even when the weather isn’t warm enough for an outdoor pool party. Simply turn on the heater to keep the water warm and enjoy yourself year round.
Pools Can Increase the Value of Your Home
Having a pool at home can also increase the value of your property. A study from the National Swimming Pool Foundation found that adding a pool to a home increases its value by about $15,000. Depending on where you live and how much you are willing to spend, adding a pool to your home can be expensive. However, the investment can pay off in the long run.
A backyard pool can be a beautiful and useful addition to any residential property. Pools offer many benefits as well as risks that should be considered before making this type of upgrade. A professional contractor can help you understand the costs and tradeoffs associated with each option. Having a pool at home is a great way to stay fit and healthy, relieve stress, and relax with family and friends. Pools can also increase the value of your home, be an excellent investment, and help you get a lower interest rate when applying for a home loan.
Best Reasons to Buy a House Instead of Renting
The Best Reasons to Buy a House Instead of Renting
You’ll likely spend most of your adult life either renting or owning a home. There are pros and cons to both renting and owning. One could be cheaper in the short term, but the other may make more sense long term. Depending on your situation, you might find that renting is ideal for now but eventually, buying a house makes more financial sense. If you’re currently renting, you may consider purchasing a home as an investment that can pay off over time. That said, it’s not the right decision for everyone. Both renting and buying have advantages and disadvantages depending on your situation, financial circumstances, and long-term plans. Here are some reasons why you might want to buy rather than rent.
Buying Has Always Been a Good Investment
Buying a house is one of the best investments you can make. Real estate prices historically increase over time, which means buying a home can be a great way to build equity and increase your net worth. Over time, your equity will increase as you make payments on your mortgage and add value to your home. Buying a home may not be the best investment if you’re looking to get rich quick. But homeownership is an excellent investment in your future.
You’ll Build Equity as You Pay Off Your Mortgage
Equity is the difference between the value of your home and the amount you owe on your mortgage. You’ll build equity in your home as you pay down your mortgage. This can be helpful if you decide to sell your house or take out a home equity loan. When you buy a home, you’re loaning money from a bank and agreeing to pay back the amount you owe over time using the equity in your home as collateral. If you have a home equity loan, you’ll be able to borrow against the equity in your home. You may want to use this money to invest in yourself or start a small business.
Financing Is Becoming More Accessible for First-Time Buyers
Currently, there are many great mortgage options available to first-time buyers, including low down payment options and government-backed loans. If you don’t have 20% saved up for a down payment, you can still qualify for a mortgage as a first-time buyer. Government-backed loans like FHA loans, VA loans, and USDA Rural Development loans require just 3.5% down. If you’re renting and you’re thinking about purchasing a home, now is a great time to buy. Mortgage interest rates are still historically low. This is great for first-time buyers who don’t have a lot saved up for a down payment. Even if rates do increase, just remember, “Marry the house; date the rate.”
Buying May Be Cheaper Than Renting Over the Long Run
If you’re renting and you plan on staying in the same place for the long haul, you may want to consider the long-term costs associated with renting versus the long-term costs associated with buying a home. If you buy a home, you’ll likely have much cheaper overall housing costs than if you were renting. With a mortgage, you’ll have a fixed monthly payment that includes your principal and interest payment. Rent, on the other hand, is completely variable depending on where you live and the rental market.
Buying Helps Eliminate Rental Stress and Anxiety
Renting can be stressful. You have no control over the condition of the property you live in or the landlord’s ability to maintain the home. You can’t make any long-term plans with renting because you never know if your landlord is going to sell the property and kick you out. If you buy a home, you can make long-term plans for your family. You’ll also have control over the upkeep of your property. You can make repairs and replace worn-out or broken appliances, fixtures, and paint or wallpaper as you see fit.
Protection against inflation and rising housing costs
If you buy a home, you’ll likely have fixed housing costs that don’t increase much over time. Rent, on the other hand, is variable and can change from year to year depending on market conditions. If you’re worried about rising housing costs, buying a home may be a better bet than renting. The cost to own a home has generally risen slower than the cost to rent. While this trend may reverse in the future, rising costs for homeowners are typically offset by increasing equity in the home and rising property values.
There are many reason to buy a house. Buying a home is a big decision, but it can be a great investment if you do it at the right time. If you’re currently renting and you think you’re financially ready to buy a home, shop around and compare rates and terms with different lenders to see what type of mortgage you qualify for. With interest rates still at historical lows and inventory currently rising, now is a great time to buy. While the market may be more competitive than ever, there are also more options available for first-time homebuyers.
10 Summer Home Improvement Projects
10 Home Improvement Projects You Can Do Over the Summer
Are you ready to get your hands dirty? The summer is the perfect time to tackle home improvement projects you’ve been putting off all year. Even if you don’t have a ton of experience with construction work, you can still knock something out in no time. It’s not as scary as it seems! If you’re ready to make some changes around your house, here are 10 home improvement projects that are easy to tackle over the summer. These home upgrades will give your space new life and cut back on maintenance throughout the rest of the year. Whether it be fixing up your deck, improving your kitchen, or adding a storage shed to your backyard, these DIY tasks will pay off in the long run.
Fix up your deck
If your deck is looking a bit shabby or has suffered damage over the years, you can restore its beauty by sanding it down and giving it a fresh coat of stain. You can also refinish your deck to give it a whole new look. If you need to replace some sections of your patio or add a little more space to your outdoor living area, you can build out your deck. This is an excellent project for beginners or if you have a large deck and want to break it up into sections. When it comes to repairing your deck, you’ll want to think about things like loose boards, broken railings, and deck tiles that are missing or cracked. You’ll definitely want to address these safety hazards before hosting summer barbecues.
Add some storage
Adding storage is a great place to start if you’re looking for ways to organize your home and make it more functional. You might want to add built-in storage to your living room or turn an unused corner into a cabinet in your kitchen. Or you could build a storage shed in your backyard to hold all your gardening tools and other things currently taking up space around the house. You can also add hooks to your garage or shed to make the most of your space. If you want to add built-in storage to your home, you can hire a contractor or DIY this project on your own. If you’re not confident tackling this type of project, hiring a professional is best.
Repaint or re-wallpaper
Wallpaper can be a beautiful detail, but it’s not easy to maintain and can be quite messy when it needs to be replaced. If you have wallpaper in your home, it might be time to remove it. If you want to go with a more durable option, painting is the way to go. When choosing a new color for your walls or deciding what wallpaper design to go with, you can choose something similar to what you have now or go with something new. Just be sure to pick a paint or wallpaper color that matches your home’s architecture and style, and make sure it’s something you’re happy with long-term since these projects are pretty permanent.
Repair or replace your dryer vent & ducts
If your dryer vent is broken or clogged, this can cause issues with your dryer’s performance and can even be a fire hazard. If your dryer takes longer than usual to dry your clothes, this could be one reason. You should also replace your dryer ducts if they are damaged or too short. If you notice that your dryer is running for longer than it used to or your clothes aren’t drying as quickly, this could signify that your dryer ducts are clogged. Keeping your dryer ducts clean and maintained is essential because they are responsible for removing excess moisture from your laundry. If they are clogged, your dryer will have to work harder to get your clothes dry, and it’s possible that they won’t dry at all.
Install some smart home devices
If you want to make the most of your home automation setup, you can install a few smart devices around your house this summer. You can add a smart thermostat, motion or water sensors, or even a smart lighting system. One of the best ways to start your home automation journey is with a smart thermostat. This device can be controlled remotely from your phone or with a voice assistant like Google Assistant or Amazon Alexa. You can program it to adjust the temperature when you’re not at home or when you’re sleeping. When it comes to other smart home devices, you can choose from a variety of options. It’s best to pick a device that works with your current smart home hubs like Amazon Alexa or Google Home.
Install a rain chain
If you live in an area that sees a lot of rainfall, installing a rain chain will help you save water and money. You can place a rain chain at the end of your gutter to divert water away from your house and into your landscaping. A rain chain is a decorative addition that is meant to make your home look more attractive while also serving an essential purpose.
If you’re ready to make some changes around your house, there’s no time like the present. You can start by tackling one of these 10 home improvement projects and get your hands dirty this summer. Whether it’s repairing your deck, adding some storage, or installing a new rain chain, these home upgrades will make your space more functional and attractive.