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What You Need to Know Before Buying a Home

What You Need to Know Before Buying a Home

House hunting can be tough. You may spend endless weeks or even months searching for that perfect home you are envisioning. When you do find it, your first impulse might be to jump right in and sign on the dotted line. After all, you don’t want to lose out to another buyer. However, before you take that plunge, here are 14 important things to do in order to ensure your dream home doesn’t turn into the stuff of nightmares.

1. Research the Neighborhood

Find out all you can about your new neighborhood online. Search government websites, tourism agencies, and any community forums or blogs. These places will let you know what’s going on in the community, what development is planned, and if any festivals or celebrations are in the works.

You’ll also want to check crime reports before moving in. Try the local police station for crime statistics, or try your search online. There are websites, such as CrimeReports, where you can find specific information linked to an address or a ZIP code.

neighborhood
    2. Know Your Loans

    Before you agree to a mortgage loan, make sure you know exactly what you’re getting into. Do you want a fixed rate or adjustable rate loan? What will your monthly payment amount be? Do you want it for 15 or 30 years? Are there any penalty fees, such as for early repayment? What will your closing costs be? Make sure you understand all these points before signing.

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    3. Take a Test Drive

    Sure, traffic may be light on the weekends when you’re visiting the home, but what will your workday commute be like? In order to avoid any unpleasant surprises, take a drive during rush hour to see exactly how much traffic there is and how long your commute will be.

    commute
      4. Check the Schools

      Be sure to check and see if your home is located in a good school district. You can check school district performance at GreatSchools. A school district that consistently performs well will help your home retain its value, so it’s important to look into this whether you have children or not.

      5. Get It in Writing

      Make sure your real estate agent includes everything that’s necessary in your offer – your price, finance terms, if you want the seller to assist with closing costs, a home-inspection contingency, what appliances will stay, closing date, etc. Read your offer carefully, and be sure to read anything you receive from the seller just as carefully before signing anything.

      6. Get a Home Inspection

      It’s vital to schedule a home inspection before agreeing to purchase a home. You need to know if the house is structurally sound, if any repairs are required and how much they would cost. You can request that the seller pay for any necessary repairs, in whole or in part.

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      If the home has a well, make sure the water has been tested. You should also check the tap water quality to see if you would need to put in a water purification system if you moved in.

      7. Get Full Disclosure

      Demand full disclosure from the sellers on any issues the home may have had. Were any major repairs ever required? Is there a history of termites? Have there been issues with water damage or mold? If the home was built before 1978, was lead-based paint used? Is the home at risk for natural disasters, like flooding, earthquakes or tornadoes? Has anyone died in the house or were any crimes committed there? These are all things you are entitled to know.

      8. Visit at Different Times

      Be sure to visit the house on weekends, weekdays and weeknights in order to see how quiet or noisy the neighborhood is. Are there loud weekend parties at the house next door? Does a train a few miles away honk their horn every Saturday morning when passing? It’s better to know these things in advance and avoid any unpleasant surprises.

      house at night
        9. Know Your Taxes and Other Fees

        Keep in mind that your mortgage will include much more than just your principal and interest payment. You will also need to figure in your tax and insurance payments. If you must join a homeowner association, know the fees. Also, don’t forget to include your utility bills to your list of monthly expenses. It all adds up.

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        10. Check Out Amenities

        Research amenities that are near your new home, such as parks, pools and golf courses. Will you be able to walk there? How long will you have to drive? It would be nice to know if a playground is nearby if you have children, or if the library is a mere five-minute drive away.

        park
          11. Find Out Where the Sun Hits

          This may not be something you’d usually think about, but it can be important, especially if you love having the sun wake you up in the mornings. Be sure to have windows facing east and west so you can have natural light the majority of the day.

          12. Be Neighborly

          Talk to neighbors to get a good feel for the neighborhood in general and the people you’ll be living near in particular. They can clue you in on fun events, like neighborhood garage sales, or on any problem neighbors, like the grumpy old lady who doesn’t like kids. (This is also a great time to ask about that train!)

          13. Figure in the Cost of Furniture

          If you’re moving from a tiny apartment to a large, single-family home, you will need to buy furniture. If you haven’t been shopping lately, you may be in for a rude surprise when you see those price tags. Try visiting flea markets and garage sales, or try a website like Freecycle, where people go to unload items they no longer want for free.

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          14. Consider Your Future

          Buying a home is a huge investment, and you’ll likely want to stay put for a while. Make sure the house will fit your future needs, whether you plan to have children, retire or face any other major life changes. Make sure the house works for you now and later.

          With this information at hand, you should be able to find the perfect house, in a great neighborhood, for you.

          Featured photo credit: Charles L via unsplash.com

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          Last Updated on February 18, 2019

          13 Tips to Face Your Fears, Grow with It and Enjoy the Ride

          13 Tips to Face Your Fears, Grow with It and Enjoy the Ride

          Fear. I spend my life talking about fear — fighting fears, fixing fears and understanding fears. And yet I doubt I get 10 calls a year from people saying “Mandie can you help me fix my fear?”

          Why is this so critically important to you?

          The realization for me is that fear is not the fundamental driving force in your life it’s what regardless of whether I’m talking to a doctor, a teacher, a CEO’s, a senior citizens or teenager – every single one of those conversations has a direct correlation with your world.

          Fear can range from the overwhelming desire to look away or stop in your tracks to literally fleeing your country and the life you knew. In this article, I will share you with 13 tips to face your fears and enjoy the ride.

          1. Know That Fear Is Real, but Can Be Overcome

          Right now around the world people are facing fear — real fear. Fear that I pray my children and I will never experience. Does that lessen my fears or your fears in your relativity safe 21st century life?

          When I look at the world we all live in, I find that fear like so many other emotions can mean so many different things to so many different people:

          • The child who has to be physically dragged to their first day of school.
          • The man facing the judge.
          • The woman with her hand poised over the buttons over her phone because she has to walk down a dark corridor late at night alone.
          • The man as the surgeon says “count backwards from 10 Mr Smith.”
          • The woman that’s told “We are sorry, we can’t help you.”
          • The man that faces the empty circle of a gun and prays for his very existence.

          These and a million more (Portrayed in every kind of movie, book or song you could imagine) are what make us human. We face fear and somehow move forward or are stopped in our tracks.

          Like the rabbit in the headlights of the car that veers off through the field away from the tyres of the car or stays still praying for salvation. Like someone will save them. Sound familiar?

          Fear is huge. Fear is everywhere and yet fear can be overcome, controlled and can even be a power for good.

          2. Accept Your Fear

          Firstly if you aren’t facing the barrel of the gun, atrocities that make the news or impeding death, that’s a good start. However it doesn’t mean your fear is any less real.

          We are quick to say “I can’t moan, my life is not as bad as X.” While in theory, that’s honorable your appreciation of Mr. or Mrs. X’s horrific life won’t change anything directly. So accept your fear is relative to you.

          And here’s what can be done.

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          3. Get Some Perspective

          I found myself asking anyone that would answer “what is your worst fear”. The answer that intrigued me the most came from my daughter (15 years old and she usually has a copy of Fight the Fear – my book – in her school bag so she can help someone else be as positive and confident as her. No matter what life throws up.)

          And her fear, surprised me — heights. I pointed out that we live in a sprawling bungalow (one storey) and the highest she goes is two storeys’ at school! She laughed but added, fear isn’t like that Mum. I know it’s not a real fear, but it’s like when you stand on a chair and feel unsafe.

          That girl will go far. Because she truly gets fear.

          We know something is scary and yet we still do it. Why? Because we have a perspective to the fear. When you lose perspective, it can feel too big, and too scary.

          So look around you to get some perspective on your fear:

          • Are you really at risk?
          • Will this kill you?
          • Which leads us on to..
          • If the worse was to happen what would it be?

          4. Hold a Hand

          As a coach, it is my job to holds someone’s metaphorical hand and help them face a fear.

          Like the child petrified of the thunder storm or the teen that can’t get back in a car again after failing their test, your job as a parent is to reassure, encourage, enable and motivate someone to face something that ideally they never would choose to again.

          We know many of our fears aren’t real. However, it is only when someone guides us with love, respect, lack of judgement and safety are we able to get through fear. And trust me, you can get through your fears. I’ve seen it so many times.

          Ask yourself:

          • If the worse were to happen, what would that be?
          • Could that really happen?
          • If the worse did happen, how would you recover?
          • If the worse were to happen, what would you need to do next?

          By seeing fear as not the end destination but part of being human, you can see through it’s wily evil ways and move forward.

          5. Know Whose Hand You Hold Either Physically or Emotionally

          This helps with fears for the rest of your life.

          Think of someone you can always rely on (and ideally you won’t just answer yourself because that adds a lot of pressure to your existence!) And you will find that you’ve already found a way to get through fear.

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          The beauty of this is that it means that fear becomes part of life not something to be feared and shied away from.

          It means you know you can turn to your friend, partner, colleague, parent, sibling and say “Right I need to deal with this, and I’m going to need you to help me.”

          For one moment, think about it from the other person’s view point. When we get to help other people we feel valued, loved, respected and lots of other positive emotions and we get a good dose of positive chemicals setting off in our bodies too.

          Your fear, and your determination to fight it, helped someone else too. Now that’s cool right?

          6. Understand That There Are Some Things Fear Will Never Touch

          I like to find role models in life — people who have faced heroism, history changing moments, war, atrocities, miracles, life saving inventions.

          Not everyone was looking for greatness, however they all found it. And one of my favourite books to date is written about Alistair Urquhart, the forgotten highlander. If this doesn’t get turned into a film in the future, then no man’s story is likely to.

          Alistair went through the most horrific experiences in the 2nd world war. If you think of one of the awful things that happened back then in our world, Alistair went through at least 3 of them! Asked afterwards how did you cope? He talked about how whatever they did to his body, no matter how they starved, tortured, threatened or mocked him, they couldn’t have his mind. In his mind he was free.

          Of all the people’s voices I’ve heard in my head over the years, this is one of those statements that reminds me anything is possible if you have faith and hope.

          Look for the things in life that fear can’t touch. They will create confidence and faith for the future, whatever you face. And they will give you a sense of why being you is awesome.

          Of all the billions of people on this planet, no one will have an answer identical to yours!

          7. Process Your Fears to Carry on with Life

          Being brave is not about sticking your chest out and smiling regardless of what hell you endure. It is about finding a way to emotionally process your fears to be able to keep going.

          I have a tool kit of things I can rely on – tools, strategies, techniques. They include people to hug or talk to, music. hobbies, walks on the beach and even my favourite food. It sounds mad but at the times where I have questioned “how will I get through this?” I’ve found immense joy in doing the most unlikely of thing that makes me smile.

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          It may be a short lived moment of happiness. However, it reminded that nothing stays the same and I can find away.

          One client told me that it was crazy when it felt like their world was falling around their ears to run a bath to the brim (you don’t waste water) get the best bath oils, light too many candles, lock the door and drink a glass of bubbly (champagne is only for special occasions.)

          Did that moment fix the disaster that my clients life felt? No, however it gave them a moment of calm and the brain is far quicker to find solutions, resolve and motivation to keep going when you do that.

          It may feel like madness to do something you love, however it can be a powerful way to help you find solutions to the fears you face in life.

          8. Assume the Worse

          If you read the statement from the client above. Notice how they assumed it was wrong to fill the bath up to the top? How bubbly is only for special occasions?

          Think how naughty they felt to be doing something that was not allowed?

          • Think about what age it may have made them feel?
          • Think about how they feel about champagne?
          • What special moments it’s been a part of in their lives?

          And you can see how the assumptions they made about their “right” to have these things was not healthy.

          When I drag the assumptions out of people’s words for them to see, they are often struck by how negative the words make them feel.

          Don’t assume your words aren’t impacting on you. You can go through fear and actually enjoy the ride when you take the time to understand how you are letting words get to you.

          9. Take a Fear That Feels Insurmountable Right Now.

          If you were to repeat it to me out loud, what would you say?

          Would you have blame on yourself in there? Would you assume others can do it and it’s just you? Would you feel small, unsuccessful, useless, unworthy?

          Usually, when you do this exercise, you are able to spot the untruths that run wild in your head convincing you that you are doomed. And rarely when we are faced with our assumptions is there is a lot of evidence to them.

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          10. You Are Not Defined by Your Fear

          One fear does not define your life – be mindful of that. It is likely to lead you to thinking of all the times you’ve succeeded and bring a moment of calm, confidence and faith back to you.

          11. Go with Fear

          When you learn to go with fear, you could find yourself actually having fun, no seriously – having fun.

          I have a few amazing clients I’m working with right now who would describe themselves as life long worriers, or pessimists. In the past that has served them well, enabling them to keep safe, steer clear of risks and even develop strategies in the event of disasters. However, now they find it’s becoming hard to break the cycle and they really want to because it’s holding them back.

          Notice how they’ve found their hidden fears and want to face them?

          One client said “I knew this was going to be tough, and I knew I couldn’t fight it alone and I knew you would be the one to help me.” Before I sat an incredibly successful, confident, capable business owner with a family and a social life to die for.

          However, I’ve learned that the most successful looking lives can hide things that impact on life, success, love, happiness and business.

          We didn’t start with the fear that they felt was holding them back, we broke the fear down, and found lots of little obstacles that had been deemed as “life” and “unchangeable” and “that’s just the way it is” by developing awareness to the little steps on the road to their obstacles to happiness and success they were able to tackle them in a different way.

          12. Discover Great Skills in Your Scary Moments

          And in that clients words “I came here to work with you to grow my company, and my own personal skills. I didn’t expect to get the children to be cleaning up after themselves and my partner being more attentive! It all feels a little magic.”

          The moral is that out of the scariest of moments, we can find great skills we didn’t know we had. Find better, healthier, happier ways to live and find ways to enjoy life more. (And have a bit of magic!)

          What a great place to be in ready for the next fear that thinks it’s going to get in the way of you, right?

          13. Own Your Fear

          Think back over these tips and come up with at least one example for each one. Write them down. Put them on your phone. Turn them into a piece of art. Turn them into a poem. Frame them. Go for a fast walk across the fields, beach, down town and repeat these things in your head to the sound of your feet on the ground.

          We rarely take the time to appreciate how far we have come, how much we can achieve or what we are capable of – by really owning the tips in this article you will have given your brain a big fat dose of “Damn right I can do this!” and the motivation and accountability to say “Let’s find a way” through any fear.

          You can’t help but feel good when you see that can you? And fear doesn’t stand a chance, does it?

          More Resources About Fighting Fear

          Featured photo credit: Ben White via unsplash.com

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