Sunday, January 29, 2017

4 Reasons to Buy a Home This Winter

As the temperature in many areas of the country starts to cool down, you might think that the housing market will do the same. This couldn’t be further from the truth! Here are 4 reasons you should consider buying your dream home this winter instead of waiting for spring!

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6.3% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.2% over the next year.
The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates are Projected to Increase

Your monthly housing cost is as much related to the price you pay for your home as it is to the mortgage interest rate you secure.
Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage are currently at 4.08%. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by this time next year.
An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

3. Either Way You’re Paying a Mortgage

There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent free, you are paying a mortgage - either yours or your landlord’s.
As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.
Are you ready to put your housing cost to work for you?

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.
But what if they weren’t? Would you wait?
Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

Friday, January 20, 2017

Mood-Lifting Ideas For a Cozier Home This Winter

Image result for Mood-Lifting Ideas For a Cozier Home This Winter picsBanish the winter blahs for a radically better outlook this season.

It’s been a long day at work and you just want to get home and relax on your deck. But, it’s already dark outside and that chill in the air is telling you it’s time to pull out your parka. So, you choose to stay inside. But the indoors feel more like a dank cave than a welcoming oasis.
 
You don’t have to succumb to the winter blahs. Just implement a few of these ideas, and you’ll be warm and comfy inside until winter’s worst blows over.

1. Clean Your Light Fixtures and Bulbs

Your home will appear 30% brighter — without turning on more lights.
Related: Did You Know Dirty Bulbs Are Energy Wasters?

2. Keep the Cold Air Out

It’s not just window and door leaks killing your cozy vibe. Don’t forget to plug stealthy gaps around recessed lights, electrical boxes, and wall outlets. Use a lit incense stick or scented candle to hunt down drafty spots while leaving behind a cozy scent.

3. Dig Out Your Slow Cooker

Nothing says warm and cozy like opening the door to an enticing aroma that makes your mouth water. Even better, slow cookers are more energy efficient than electric ovens, typically using less energy than a light bulb.

4. Bring Home Some Nature

Many indoor plants, like golden pothos and gerbera daisies, are particularly adept at sucking up nasty VOCs — the vapors emitted from household cleaners, paints, and dry cleaning. And since plants increase humidity levels, they help decrease household dust.

5. Vacuum With Your Thermostat Fan On

Run the fan to help filter dust that gets kicked up while cleaning. Leave it on for about 15 minutes after you finish vacuuming, and switch it back to “auto” afterward. HVAC blowers aren’t intended to run all the time.

6. Change the Furnace / AC Filter

Change your filter every couple months (monthly if you have pets) to prevent excess dust and allergens from circulating. All that bad air just gets you down.

7. Let the Sunlight In (It’ll Make You Happy)

Clean your windows. Sparkling glass not only lets more natural light into your home, it’s a feel-good task, according to a survey by the American Clean Institute. When ACI asked consumers what clean surfaces make them happy, “gleaming windows” made the top five above a “spotless sink.” Besides all that, daylighting is a great mood booster.

8. Put Your Window Screens Into Hibernation

They trap dirt and can make your home appear darker inside and out. It’s a good curb appeal booster, too.

9. Add an Interior Window

If you’ve got a dark room that’s next to a sun-drenched space, putting a window in the shared wall will let the natural light in.