Marsha Hick

by Marsha Hick

Create More Living Space in Your Home.

One trend in home design is to create more living space. Try utilizing underutilized areas such as basements, attics, and garages. The goal is to maximize the use of space for better functionality and comfort. Popular ways to create more living space include adding an extra room, a home office, a gym, or a playroom. The trend towards more living space reflects a desire for homes that can accommodate changing lifestyles and growing families.

Creating a home office. What a great way to increase productivity and efficiency while working from home. Start by finding a designated space that is quiet and free from distractions. Invest in a comfortable chair and desk that suits your needs. Good lighting and proper organization can also make a big difference. Don’t forget to add personal touches to make the space feel inspiring and welcoming. With these tips, you can create a home office that is both functional and enjoyable to work in.

Creating an outdoor living space. This is an extension of your home that allows you to enjoy nature and the outdoors. Still relaxing in the comfort of your own space. It can be a great place to entertain, relax, or just spend time with family and friends. Outdoor living spaces can include a variety of features, such as outdoor kitchens, fire pits, seating areas, and even swimming pools. With the right design and accessories, your outdoor living space can become a true oasis that you’ll never want to leave.

Creating space for extended family members. This can be a challenging yet rewarding experience. It may involve rearranging furniture, converting existing rooms, or even building an addition to the house. Whatever the solution, it is important to consider the needs and preferences of both the new family members and those already living in the home. Clear communication and compromise can help ensure a smooth transition and a harmonious living situation for all.

Another Tip When Buying A Home

by Marsha Hick

Financing anything while trying to get approved for a mortgage loan can be tricky and risky. Here are some reasons why I would not want to finance anything while trying to get approved for a mortgage loan:

I want to make sure my credit score is in the best shape possible. Financing something while applying for a mortgage loan could be detrimental to my credit score. This could make it harder to get approved.

The bank wants to make sure you can make the payments on the loan. Financing something at the same time as applying for a mortgage loan could be a concern. It may be difficult to make the payments for both loans.

You want to make sure you have enough funds to cover the down payment. Financing something while trying to get approved for a mortgage loan could make it difficult to come up with the necessary funds for the down payment.

Tip to Prepare When Thinking of Buying A Home

by Marsha Hick

Tip to Prepare When Thinking of Buying A Home

Develop a budget and stick to it. Planning out your expenses and setting aside money for savings can help you stay within your means when purchasing a home. Shop around for a mortgage lender. Different lenders offer different rates and terms, so it’s important to compare and find the best fit for you. Pay your bills on time and maintain a low credit utilization rate. Paying bills on time and keeping your balances low will help you maintain a good credit score, which is essential for getting a good interest rate on a loan.
One very important reason why home buyers should not purchase anything before a settlement is that it can be a huge financial risk. Until the settlement process is complete, the buyer cannot be sure that the house will actually be theirs. If for any reason the deal does not go through, the buyer may be stuck with a non-refundable purchase or a financial loss. It’s better to wait until the deal is finalized to make any major purchases or investments. Also, if the buyer does make a purchase, such as furniture, before the settlement, they may not be able to move it into the new home until after the settlement. This can be inconvenient and cost additional money for storage. Finally, until settlement, the buyer’s financial situation may change and their ability to purchase items may be affected. It’s best to wait until the settlement process is complete before making any major purchases.
When speaking to a lender about how much home you can afford, it’s important to be honest and realistic. Be sure to provide accurate financial information about your current savings, income and existing debt. This will help the lender assess how much you can comfortably afford to pay for your new home. Additionally, don’t forget to ask about the different types of mortgages available, as well as any additional costs such as closing costs, taxes, and insurance. Being prepared and having an open dialogue with your lender can help ensure you find the perfect home for your budget.