Robin V. Wish - Real Living Suburban Lifestyle Real Estate



Posted by Robin V. Wish on 8/24/2020

Image by Chinnapong from Shutterstock

The “simple life” is a common phrase but is there such a thing? When defining the words, it’s easy to understand the challenge that comes with pairing them together. Simple (easily understood and presenting no difficulty) + life (existence, being, living). Let's rephrase the quote to say, "The simpler life." Creating a simpler life is a more attainable and worthy goal.

The day ahead

For example, the morning routine of waking up and preparing for each day. It might not be easy, but preparing the night before by selecting clothes, setting up the coffee maker and having breakfast or lunch ready to go, the basics start to fall into place. Consider setting the alarm for 15 minutes earlier than usual and use that time to enjoy a cup of coffee before the day begins.

Mealtimes and more

Plan for meals. Create a shopping list based on meals that can be pulled together easily. Consider preparing meal components that can be brought together in different ways throughout the week. This approach often requires some preparation once the groceries are purchased. You may bake or saute some chicken or chop and roast vegetables in large batches. The benefit is that you won’t have to start from scratch with each meal. Set up a crockpot meal and let it cook all day or utilize an air fryer or pressure cooker to prepare a meal quickly. Cook double portions so that you have leftovers or components to in stock the freezer.

Introducing organizational habits and weekly plans takes time and dedication but developing ways to make life simpler is worth the time investment.




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Posted by Robin V. Wish on 2/17/2020

Image by StockSnap from Pixabay

The perfect home is not the only thing you'll need to shop for when you want to become a homeowner. In order to get the best terms, the lowest monthly payment and a reasonable interest rate, start doing some homework now -- before you even attend your first open house. 

1. Check Your Credit Score

Checking your credit score should be the first thing you do when you're considering the purchase of a home. Why? Because every lender you speak to will use it as a benchmark for determining the likelihood of you being able to pay off the debt. The better your credit score, the more favorable terms and interest rates a lender might offer you. The earlier you know your credit score, the more time you have to address any issues that might be contained in it. Remember, you're entitled to one free credit report from each of the three reporting agencies each year. Take advantage of this service and keep tabs on your credit score. 

2. Have Steady Employment 

Being able to demonstrate that you are gainfully employed will go a long way toward qualifying for a mortgage loan and being offered attractive interest rates. Aim for at least two years of unbroken employment. Be ready to back up your claims regarding the duration of your employment and the dollar amounts you bring home. 

3. Offer a Sizable Down Payment 

Come to the negotiating table with a lender and with a solid down payment, you'll be able to enjoy lower monthly payments. There's no fast rule regarding the amount of a down payment. That being said, most lenders like you to have at least 20 percent of the home's purchase price as the down payment. There are some lenders, however, who accept less than 20 percent. If your lender accepts down payments that are less than the standard 20 percent, expect to have to purchase private mortgage insurance. This can be anywhere from .05 percent to 1 percent. 

4. Know Your Debt To Income Ratio

The debt to income ratio demonstrates your ability to pay off the mortgage as agreed upon. Most lenders like to see that your monthly debt payments are equal to or less than 43 percent of your gross monthly income. 

In a seller's market, there might be several people vying for the same home. Addressing the items above can make you look more attractive compared to some of the other potential home buyers. 




Tags: buyer tips   loan   credit score   planning  
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