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Preparing to Buy a Home: 4 Things to do to Get Ready

Preparing to Buy a Home: 4 Things to do to Get Ready

Buying a new home is a life-changing experience. It can be long and tedious at times; however, it can also be a pleasant experience if you do some hard work in advance to get prepared. Here are four things you can do to get ready when buying a house.

Check Your Credit Report

Mortgage lenders use your credit score and history from your credit report in order to determine whether or not you qualify for a mortgage loan. Your credit score also determines the interest rate for your loan. You should check your credit report on a regular basis to make sure all of the information reported by the three credit bureaus is shown correctly. There are many online websites where you can monitor your credit report. If you don’t currently have any credit, it will be hard to get a loan. Many people will open a credit card through their banking institution. Once the card has been received, they buy gas or groceries with it and pay it off each month. The better your credit score, the lower your interest rate will be.

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If you have any delinquent accounts on your credit report, you should work with the creditor to bring your account up-to-date, offer a settlement, or pay it off in full. For any errors or discrepancies you find, you should send a letter or a claim form to the reporting credit bureau to dispute it.

Downsize Your Living Expenses

In order to purchase a new home, you will need to have money saved for the down payment, closing costs, and other expenses, such as moving.  By downsizing your current living expenses, you can use the money that you save for your new home. You can cut your expenses by moving into a cheaper place, stop eating out frequently, and reducing your cable bill.

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For example, if you are currently renting a house with a large rent payment, you should consider moving into an apartment with cheaper rent. If you are not sure where the best apartments are in your area, you should do an online search for “Dallas apartment reviews” or “Phoenix apartments.” Be religious about saving money as well. It may be hard at first, but once you are adjusted to cutting back, it will seem like a breeze and you will be in your new house in no time.

Take a Home Buyer Course

Enrolling in a home buyer course is helpful, especially for first-time home buyers. These courses provide information on steps that you need to take to purchase a home, look for a real estate agent, or apply for down payment assistance programs, and other helpful tips. The length of the course varies from one day to a few weeks based on who is offering the course.

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If you are interested in attending a home buyer course, you should check with local banks, real estate companies, and nonprofit organizations in your community. You may find that some companies offer this course for free or for a minimal fee.

Get Pre-approved for Your Mortgage Loan

Getting pre-approved for your mortgage loan is recommended before you start shopping for a house. A pre-approval allows you to know in advance how much you have to spend on a house. It also gives you a buyer’s advantage over other buyers, who haven’t been approved for a loan yet, when you make an offer on a house.

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As part of the application process, you may be required to provide documentation to show proof of income, employment, rental history, and other important factors. So you should start gathering these documents as soon as possible.

By using these four tips, you will have a jump-start on making your dreams to own a home become a reality.

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Last Updated on July 18, 2019

10 Small Changes To Make Your House Feel Like A Home

10 Small Changes To Make Your House Feel Like A Home

Your house is more than just a building that you live in. It should be a home that makes you feel welcome as soon as you open the front door.

Making your house feel like a home is not something that simply happens on its own. You need to make some changes to a house when you move in, to give it that cozy, warm feeling that turns it into a true home. To help you speed the process, follow this guide to 10 small changes to make your house feel like a home.

1. Make the Windows Your Own

When you move into a home, they often come with boring Venetian blinds or less than attractive curtains.

One of the best ways you can instantly warm your home and make it showcase your style is to add some new window dressing. Adding beautiful curtains not only improves your home’s appearance, but it can also help to control the temperature.

2. Put up Some Art

If you have a lot of bare walls in your home, it will seem sterile no matter how beautiful your paint or wallpaper is.

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Hanging art on the walls will instantly give it personality and make it feel like home.

3. Improve the Aroma

A house that is not filled with inviting smells will never feel like a home. There are loads of ways you can make your home smell nice. There are tons of air fresheners on the market you can use.

Incense and scented candles are a nice option as well. Don’t forget that baking in a home is also a great way to fill it with an aroma that instantly smells like home as soon as you open the front door.

4. Put out Lots of Pillows and Throws

A great way to make your home look warm and inviting is to place lots of pillows and throws out on the furniture. It is much better to have too many pillows than not enough.

There is nothing like the feeling of sinking into a cushiony pillow that feels like a cloud to make you feel like you are at home.

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5. Instantly Class up Your Closet

If your closet is filled with wire or plastic hangers, it will never truly feel homey. To instantly make your closet feel classy, change out your old hangers for wooden ones.

Not only do they look great, but they are better for hanging your clothes as well.

6. Improve Your Air Quality

One of the most overlooked ways to make your house feel more like a home is to improve its air quality.

The easiest and best way to upgrade the air quality in your home is to change the old, dirty filters in your furnace regularly. Get some air filters delivered to your home so that you always have some on hand.

7. Fill it with Plants

Another way to improve the air quality in your home is to fill it with plants. You should have plants in every room of your home.

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They help to improve the air quality and they look beautiful. As well as making your home appear homier, plants also help to boost your mood and lower your stress levels.

8. Change the Doorknobs

Most people don’t really give their doorknobs a second thought unless they are broken. That is a shame because changing your doorknobs is an easy way to add personality to your home.

Changing your old, boring doorknobs to new ones that are works of art will instantly brighten your home.

9. Upgrade Your Tub or Shower

There is nothing like luxuriating in a whirlpool bath or steam shower to make the cares of the day melt away. Your family deserves a bit of luxury when they are in their bathroom.

Install a new shower or tub today to make your bathroom worthy of a place in your home.

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10. Fresh Cut Flowers

You can make any room in your house feel homier by placing a vase full of beautiful flowers in it. The gorgeous look and intoxicating aroma of fresh cut flowers will immediately brighten your day when you encounter them.

You don’t have to make all these changes at once. Try one or two a day though, and your house will feel like a home before you know it. The trick is to constantly keep adding these homey touches to make your home a place worthy of its name.

Featured photo credit: https://www.pexels.com/photo/black-wooden-round-analog-wall-clock-on-brown-wooden-wall-121537/ via unsplash.com

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