Nicholas Desantis' Blog
If you've been putting off organizing your closets for months -- if not years -- you're not alone! Since closets are not usually a "high visibility" area of the house, cleaning them often ends up being relegated to the bottom of people's priority lists.
It's easy to postpone tackling the project because you can simply close the door and forget about what a disaster area it's become!
There are, however, several sound reasons for bumping it up on your "to do" list.
- First of all, you'll probably find valuable things you thought were lost forever. Depending on how long it's been since you last cleaned out your closets, there's a good chance you'll find miscellaneous valuable items ranging from missing gloves and address books to lost photo albums and unopened gifts. There's no end to the possible treasures you could stumble upon in a closet that you haven't organized for a while. You may even find lost items you were considering replacing. In that case, you can save your money or spend it on something else!
- It's an opportunity to help others. All communities have charitable organizations that distribute warm clothing, shoes, essential kitchen supplies, school backpacks, and other useful items to underprivileged families in your area. By giving away things you no longer need and use, you can accomplish two objectives: clearing out the clutter in your home and helping needy families or organizations in the community.
- You'll enjoy a sense of accomplishment. On one hand, when you keep putting off a project that you know needs to get done, it creates an underlying feeling of frustration. However, once you get the task underway and completed, you'll feel like you're making progress with your goals and moving forward. (Not only that, but your closets will no longer be an eyesore that cause you to cringe every time you go to grab a jacket or hang up your clothes!)
- Completing one project helps create momentum for getting started on something else. As Sir Isaac Newton, the famous physicist, stated more than 300 years ago, "A body at rest will remain at rest, and a body in motion will remain in motion unless it is acted upon by an external force.” (Source: Live Science) That principle applies as much to human behavior as it does to inanimate objects. Once you force yourself to get started on a project -- whether it involves organization, cleaning, repair, or home improvement -- you'll discover new-found energy and motivation for other tasks.
While it may seem as if cleaning your closets is a monumental task that makes you feel physically and mentally drained just thinking about it, the hardest part is getting started -- taking those first few steps. By picking one closet to organize and setting aside just an hour or two to do it (and creating a semblance of order), you'll be amazed at what you can accomplish in just one session!
Like it or not, selling your home can be a tumultuous time. As such, you may experience a wide range of emotions after you add your house to the real estate market.
Some of the most common feelings that home sellers may experience include:
Selling your home can be exciting. In fact, the home selling process represents a time of change, one that enables you to move on to bigger and better things.
For home sellers, the sheer volume of home selling options may excite you as well. At this point, you'll need to consider the asking price for your home, whether to complete various home improvement projects and other home selling essentials. Plus, you'll need to consider where you'll go after you sell your residence.
With an experienced real estate agent at your disposal, you should have no trouble staying excited throughout the home selling process. Your real estate agent will ensure that you have a plan in place to sell your house and relocate after it sells.
Furthermore, your real estate agent will keep you informed about home showings, offers on your residence and much more. He or she will do everything possible to stir up interest in your home and create plenty of excitement about your residence among potential homebuyers too.
When the time comes to finally leave your home, it can be difficult to relocate.
Sadness is common among home sellers, particularly as the home selling process progresses. For example, you may feel sad as you look back on all of the great memories of your house. And after you receive an offer on your residence, you may start to realize that your time in your current residence is running short.
If you ever feel sad during the home selling journey, reach out to your real estate agent. He or she is available to support you through the ups and downs of the home selling journey. Also, your real estate agent understands the challenges associated with selling a house and is happy to support you in any way possible.
Elation arrives on the day that you sell your house. At this time, a homebuyer will be ready to purchase your residence, and you and the homebuyer have agreed to terms. Now, you just need to finish the final paperwork, and you will complete the home selling journey.
Your real estate agent understands that the home selling journey may seem endless at times. However, this professional will offer expert recommendations and suggestions to ensure you can get the best results possible.
In addition, your real estate agent wants the home selling process to be seamless. To accomplish this goal, he or she will allocate the necessary time and resources to promote your residence to potential homebuyers. By doing so, your real estate agent will make it simple to accelerate the homebuying journey.
Employ a real estate agent to help you sell your house, and you can speed up the process of selling your house.
When you buy a home, there’s more to shop for than just the right place to live. Before you settle with a lender, you should shop around a bit. You want to be sure that your lender has your very best interests in mind when you’re in the midst of making one of the biggest purchases of your lifetime. Below, you’ll find some of the most important questions that you need to ask a lender while you’re in the process of buying a home.
Do You Offer Any Special Programs?
Choosing the right lender involves choosing a firm that offers the types of programs that will be helpful to your specific situation. You should look for a lender that offers a wide array of loans to suit your needs. Beware of any lender who tries to push you into a certain type of loan, especially if you don’t feel that it is a good fit for you.
Do You Understand The Terms Of Certain Types Of Loans?
If you are seeking a certain type of loan, you probably should tell your lender that upfront. Of they seem familiar with it and have worked with the loan before, you’re in good hands. If the type of loan that you’re looking for is more uncommon, then you may need to shop around carefully for the right lender who understands your needs.
Do I meet The Qualifications For Specific Loans?
The requirements for the same loan at two different lenders could be different. Things like your credit score could be a big factor. If you have a less than desirable credit score, this would also prompt you to want to look around a bit. You should know that different lenders have different terms and looking at a few lenders could be beneficial to you.
What Are The Mortgage Rates?
You’ll need a general ballpark idea of what rates will be for you when you finally secure that home loan. Keep in mind that rates fluctuate often and that an estimate will be just that. It’s not a number that will be set in stone, however, it will give you a good place to start as you shop around for a loan.
Do You Help With Down Payments?
There are many down payment assistance programs available and your lender can help you to navigate them. The more you put down, the better your interest rate will be. If the amount that you’re able to put down on a home is a factor for you, definitely discuss it with your lender.
Can You Provide Pre-Approval Proof?
In hot real estate markets, you’re going to need some proof that you’re pre-approved in order to have the upper hand once you put in an offer on a home. Your lender should be able to provide your real estate agent with a certified letter of your pre-approval and the amount.
Choosing the right lender is just as important as choosing the right realtor and the right home to buy. It’s just another part of the home buying process!
Buying a luxury home in Jacksonville, Fort Lauderdale or any other Florida city or town may prove to be ideal. In fact, there are many reasons to pursue a Sunshine State luxury residence, and these include:
1. You can find a house that you can enjoy for years to come.
Florida luxury residences come in a variety of styles and sizes. Therefore, you should have no trouble discovering a Sunshine State luxury house that can serve you well both now and in the future.
If you decide to search for a Florida luxury home, it often helps to create a list of house must-haves. For example, if you require a luxury house that is close to your Miami office, you may want to hone your home search accordingly.
In addition, it may be beneficial to focus on luxury residences in your preferred Florida cities and towns. This will allow you to accelerate your quest to find your ideal Sunshine State luxury house.
2. You can buy a residence that provides convenient access to Florida's top attractions.
The Florida luxury housing market offers many opportunities for buyers. If you enter the Sunshine State luxury housing sector, you can pursue a home that provides quick, easy access to some of the state's top attractions.
For instance, if you've always wanted to own a luxury home close to Disney World, you can pursue a Florida luxury residence in Orlando. Or, if you would like to live near the historic landmarks in St. Augustine, you can search for a luxury house in the city itself.
3. You can own a house in a warm-weather state.
On average, temperatures in Florida range between 60°F and 80°F throughout the year. Thus, Florida luxury homeowners can reap the benefits of warm weather month after month.
For those who pursue a Florida luxury home, it is important to account for the state's above-average temperatures too. As such, you may want to consider Sunshine State luxury residences that offer high-quality air conditioning systems. It also may be helpful to pursue a Florida luxury house that has its own swimming pool.
Clearly, there are many reasons to consider the luxury houses in Florida. If you collaborate with a real estate agent, you can receive extensive support as you search for your dream house in the Sunshine State.
A real estate agent is a homebuying expert who can help you navigate the Florida luxury housing market. He or she first will learn about your Sunshine State luxury homebuying goals. Next, a real estate agent will craft a plan to help you accomplish your desired results. A real estate agent then will work with you to help you find your ideal Florida luxury residence.
When it comes to conducting a Florida luxury home search, there is no reason to work alone. Fortunately, real estate agents are available across the Sunshine State. If you hire a real estate agent today, you can kick off your quest to find and buy a terrific Florida luxury home.
Perhaps one of the most challenging things about buying a home is saving for the downpayment. Collecting such a large sum of money can be difficult. The truth is that most buyers actually think that they need more than they actually do to buy a home. The downpayment doesn’t need to be a barrier to your path to homeownership. There are so many programs that offer low and even no down payment home loans. Read on to learn more about down payments and programs that can help you.
First, let’s look at what a down payment is and how it can help you. If you put 10% down on a $200,000 home that’s $20,000. The downpayment minus the purchase price of the home is $180,000, and that's how much your home loan will be. The more money you can put down on the house, the lower your home loan will be and the lower your monthly mortgage payments will be. A large down payment can indeed save you in the long term. If you’re looking to move into a home sooner rather than later, saving a considerable sum isn’t always possible.
Low Downpayment Mortgages
You need to decide what type of home loan you need by the amount of downpayment you’re willing and able to put down. Some benefits go along with making a down payment, but there are some negatives.
By making a substantial down payment you may despite your savings, leaving little money for emergencies. Your mortgage rate may not be affected by a large downpayment either. It can be hard to decide what type of loan to get and just how much you really can afford.
FHA loans are among the most popular type of home loans. The downpayment that’s required is just 3.5%. The requirements are simple, and you don’t have to be a first-time homebuyer to qualify.
The drawback to an FHA loan is that you cannot cancel the monthly mortgage insurance that comes along with it unless you refinance the home. Traditional mortgage insurance is canceled when you have built up 20% equity in the house, but this isn’t the case with FHA loans.
Another positive about FHA loans is that your credit score doesn’t have to be stellar in order for you to qualify. Some lenders approve FHA loans with credit scores as low as 580.
VA Home Loans
Buyers who have current or former military service status can qualify for this zero down mortgage. These loans are benefits to veterans and current members of the Armed Forces. While no downpayment is required, buyers may put down any amount they wish. The only requirements are that buyers be members of the military either currently serving for 90 days or two years of active duty service if not an active member.
The above options are great for those who can’t afford or don’t wish to put down large down payments but still hope to be homeowners.