Our Real Estate Blog
Giving the interior of your home a fresh coat of paint is one of the best ways to revitalize drab-looking rooms and make scuffed walls look new again.
While there are plenty of home improvement, repair, and decorating projects that are best left to the professionals, interior house painting is usually a task that can be successfully tackled by homeowners.
Advanced skills are not a prerequisite for doing a respectable job, but you do need patience, attention to detail, and the right tools. When you don't start out with the right supplies, wall painting can end up being a frustrating and stressful task -- not to mention messy! Here are a few pointers to help make the project go more smoothly.
- Wear the appropriate clothing: If paint gets on your everyday shoes, your new jeans, or even a good watchband, it will basically ruin those articles of clothing. No matter how neat or precise you think you can be with a paintbrush or roller, it's almost impossible to avoid dripping a few drops of paint in the wrong place or even accidentally brushing up against a messy ladder, paint can, or freshly painted surface. By taking the time to change into clothes you don't care about, you'll be saving the aggravation of messing up a favorite pair of pants, shirt, or shoes. Wearing a painter's cap with a brim and disposable vinyl gloves can also minimize the amount of paint that gets on your face, hair, and hands. By making it easier to keep yourself clean, you'll find painting to be a much neater and more satisfying experience.
- Choose the right drop cloths: The temptation for many do-it-yourselfers is to save money and cut costs whenever possible. While this certainly makes sense in principle, there are certain cases in which it pays to spend a few extra dollars to get quality supplies. The perfect example is drop cloths -- an essential item on your painting supplies list. Floors, furniture and appliances can get permanently damaged (cosmetically) if they're not properly covered up while the wall and ceiling paint is being applied. The really cheap drop cloths that you'll often find at hardware stores and other retail outlets are difficult to keep in place and could easily tear, become bunched up, or move a few inches from their intended spot. Those really light-weight, plastic drop cloths don't stand a chance of staying put when breezes from open windows, fans, or doors exert the slightest bit of air pressure on them. The solution is to either purchase canvas or heavy-duty plastic drop cloths. (In a pinch, old bedsheets can often do the job, too!)
- Painter's tape is crucial: One of the most time-consuming, but necessary aspects of room painting is taping the edges of surfaces to be painted (or not to be painted). While not everyone takes the time to do this step correctly, it helps produce a professional-looking job you'll be proud of.
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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!
Credit plays an important role in your ability to secure a home loan and to qualify for a low-interest mortgage. However, many first-time homebuyers aren’t aren’t sure about the exact relationship between credit scores and mortgages.
This doesn’t come as much of a surprise considering the many factors that go into your credit score and into your lender’s decision to approve you for a mortgage. So, in this article, we’re going to cover three commonly asked questions that homebuyers have about credit scores and how they’re used by mortgage lenders to determine your eligibility for a home loan.
Will my credit score go down if I check my credit report?
If you’re thinking of buying a home in the near future, one of the first things you’ll want to do is check your credit. However, if you’ve heard that some credit inquiries briefly lower your credit score you might be hesitant to find out.
This common misconception stems from the fact that taking out new lines of credit results in a temporary decrease in your credit score. The difference between checking your credit and a credit inquiry is simple: a credit check you can access for free online through a service like Credit Karma, whereas a credit inquiry is performed by a lender or creditor with whom you’ve applied for credit.
In short, checking your credit score online won’t affect your score. In fact, the major credit bureaus are required to allow you to check your credit for free once per year.
Can I get a loan with low credit?
Increasing your credit score is a lengthy process that requires careful financial management. Many people who have had difficulties paying off bills, loans, and credit cards will have to rebuild their credit. Or, if you’re young and don’t have a diverse history of credit payments, you’ll be starting from scratch to build your score.
If you’re hoping to get an FHA (first-time homeowner loan), the lowest your score can be is 580. However, that doesn’t mean you should always take a loan with a low credit score. When you don’t have a good credit history, lenders will seek other ways to guarantees their investment. This comes in the form of higher interest rates or PMI (private mortgage insurance) which you’ll have to pay on top of your monthly home insurance and mortgage payments.
Will applying for a home loan affect my credit?
Simply stated, yes. However, applying for a loan or get preapproved is considered a credit inquiry and won’t leave any lasting negative on your credit score. Making several inquiries within a short period of time, however, can significantly lower your score, so choose your inquiries wisely. And, be sure to monitor your credit score on a monthly basis so you have an idea of where you stand along the road to applying for a home loan.