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The Other Big Question

Jun 24
11:22
AM
Category | General

Congratulations! You popped the big question and everything went swimmingly! Now you get to spend your time, energy, and enthusiasm on planning your wedding and new life together. Of course, this means thinking about and asking the other big question: Should we purchase or rent our first home?

Most American couples aspire to someday own a home of their very own, and who can blame them? With economic advantages such as building your equity and receiving tax deductions, and social advantages including community and security for your family, it’s no wonder that owning a house has remained a central part of the American Dream for years. However, this doesn’t mean that running out and buying a home right after the wedding is the right choice for everyone. There are three questions you need to ask yourself before deciding to buy or rent your first home together:

  1. Are you staying local? If you plan on moving soon it might not make sense to own a long-term proposition.
  2. How are your finances? If you’re going into this new life with a lot of debt and a low credit score it may be best to wait to own till you’ve improved your finances.
  3. Do you have savings? Between down payment requirements and the occasional emergency, it’s important to have some kind of cash reserve to fall back on.

Of course, it has become quite common for couples to get married later in life and is thus more likely for one, if not both, of the newlyweds to already own a home. This then creates the alternate version of the big question: What if one (or both) of us already owns a home?

This pretty much eliminates the renting vs. owning question entirely and presents a new line of options to consider. Based on your lifestyle, location and finances you could choose one house to live in and then either rent or sell the other, or you could sell both houses and work together to buy a new one for your new life.

Again, there are many factors to consider when it comes to making your new housing choice, so it’s important that you look into meeting with a financial advisor and a mortgage originator on top of your meetings with your wedding advisor.


Informational

Home Grown Pest Control

Jun 20
9:45
AM
Category | Informational

At one point or another, we’ve all had an unfortunate run-in with creepy crawlies or furry friends in the safety of our own homes. These pests have a nasty habit of sneaking into houses and setting up shop like they own the place.  Fortunately, there are several ways that you can get rid of these unwanted house guests without having to call in the big guns or the big chemicals. Cleaning the house isn’t always enough to stop them, so here are some tips on how to kick those tiny terrors to the curb and keep them from coming back.

 

 

Specific Tips to Kick Pests Out of Your Home

  • Ants - To eliminate ants, find their point of entry and sprinkle cinnamon, black pepper, cayenne pepper, or coffee grounds over the area.
  • Flies - Put crushed mint around problem areas to repel flies
  • Mice - Peanut butter or raw bacon works as better bait for mousetraps than cheese
  • Cockroaches - Sprinkle Borax powder in the kitchen and bathroom cabinets to eliminate cockroaches. (Be careful if you have small children, you wouldn’t want them to ingest Borax)
  • Flea Eggs - Salting your floors before vacuuming will kill flea eggs. Salt every day for nine days and vacuum every third day, emptying the vacuum immediately so that live ones don’t escape again.
  • Fruit Flies - Fill a glass three quarters of the way with vinegar and add six to eight drops of dishwashing soap.  Finish filling the glass almost full with warm water, cover with plastic wrap and poke holes in the top in order to trap fruit flies.
  • Raccoons/Rodents - Use repellents like oil of mustard to get raccoons or other rodents

General Tips to Keep Pests Out of Your Home

  • Many pests hate peppermint oil so mix some in a spray bottle with water and spray around door and window frames and anywhere you’ve previously seen pests.
  • A mix of borax and sugar sprinkled around your foundation and baseboards will keep ants out.
  • Drain any standing water both inside and outside your home to decrease mosquito populations.
  • Seal up any opening or cracks in your home to prevent pests entering.
  • To reduce flying insects around your doors or windows, switch to high pressure sodium vapor or halogen lights. The pink, yellow, or orange tints these bulbs give off are less attractive to the insects.
  • Keeping basil in your home, specifically around entryways, will help discourage flies from coming in.

Informational

Moving is undoubtedly one of the most exciting and stressful things you can do, and all that is heightened when there are children involved. Fortunately, most children easily adapt to change, but it’s the actual changing that makes all of this so hard. There are ways to smooth out the process and keep your kids as happy and comfortable as possible during this crazy adventure.

  • Ask for Help. There’s going to be a lot happening on moving day and you’re probably not going to want to worry about your little ones. Ask for a friend or family member to come over and spend time with them while you load the truck, or ask if they could take your kids out for a bit. It’ll eliminate a lot of your stress knowing they’re off having fun somewhere.
  • Keep them Involved. Though they may not be the most helpful moving buddies, it’s important that your children are always aware of the process. Make sure they take part in packing up their own stuff, and give them little jobs to help with the rest of the preparation. This opens room for questions, conversations, and makes them a part of the process.
  • Pack Their Stuff Last and Unpack it First. It’s helpful to keep things as normal as possible for your kids in the days leading up to the move, so other than a few unnecessary things, try to leave their stuff for last. Then, see if it can’t get put in the truck last so that it can all come out first and you can get them set up right away. If they are able to be in and create their own space right off the bat it can minimize their discomfort in your new home.
  • Make Sure they Know Where You Sleep. Especially if you have younger children you’ll want to make sure they’re at least somewhat familiar with where things are before going to bed on that first night. The last thing you probably want is for your half-asleep child to freak out in the middle of the night when they wake up somewhere new and can’t find you.
  • Stay Positive and Have Fun. As stressful as moving can be, there are still ways to come together as a family and turn it into something fun. If one person’s stressed out and frantic it can affect the mood of everyone around them, so do your best to keep a level head and look at all the joy that comes with this exciting new experience.

Informational

Maybe you’re moving, maybe you’re remodeling, or maybe you’re just trying to do a deep clean of the house. Whatever your reason for decluttering, holding a garage sale is a great way to get rid of some of your extra stuff that you just don’t need any more and hopefully make a little extra money in the process. Here are some of the best tips for hosting the ultimate garage sale.

  • Clean everything before putting it out
  • Hang as many clothes as you can
  • Be sure to put a price on everything to avoid confusion or frustration
  • Advertise A LOT through signs, newspaper, and the internet
  • Include all relevant Information in your ad
  • Don’t park your cars in your driveway. Put them in the garage or park them on the road
  • Put large items closest to the road to catch the eye of passers by
  • Group similar items together
  • Avoid putting small items on the ground
  • Have a decent amount of change ready and available
  • Offer free lemonade or something similar
  • Have bags ready in case people need help carrying all their purchases
  • Get as many tables as you can or create makeshift tables out of boxes, chairs, etc.
  • Try to have an outlet/ extension cord or batteries available so people can test your electronic items
  • Be honest and don’t try to oversell things for more than you know they’re worth
  • Give as much information as possible
  • Use tablecloths, towels, sheets, runners, etc. on all your tables if you can
  • Whether it’s donating or turning to the internet to sell, make sure you have a plan for whatever’s left over.
  • Be approachable and friendly
  • Keep a mirror nearby so customers can see how they look in the glasses, hats, scarves, or other accessories you’ve made available.
  • Don’t put anything directly on the ground but on a towel or tablecloth instead
  • Try to keep your garage door closed so buyers don’t get distracted
  • Clean up your lawn before the yard sale (mow, rake leaves, sweep the sidewalk, etc.)

New Hires

Welcome Jeffrey Landers

Jun 5
3:24
PM
Category | New Hires

Homestead Funding would like to welcome Jeffrey Landers who recently joined our Sarasota, FL sales team.

Jeff has more than 40 years of industry experience, having worked in commercial and retail leasing, real estate, and for the last 10 years as a prominent Certified Divorce Financial Analyst (CDFA), certified by the IDFA. He’s also written six books and hundreds of articles on the financial aspects of divorce and has been interviewed by CBS TV, FOX Television News, The Wall Street Journal, Dow Jones, The Miami Herald, Smart Money, Consumer Reports and many others. With experience like this, Jeff bring a unique set of skills to the table, and can understand, more than most, how important home ownership is to his clients and the unique circumstances surrounding divorce for those who are going through or have gone through it.

Jeff is committed to helping his customers achieve their dreams of homeownership. With a BA in Psychology, Jeff naturally takes the time to understand his clients wants and needs and he’s then able to tailor a mortgage solution to fit exactly what they’re looking for. Jeff comments, “for those of you who, during or after divorce, will need to refinance a home and/or finance a new one, there are numerous unique factors that must be addressed. There is no “one-size-fits-all” solution, and no one understands this more than me.”

Jeff looks forward to working with you, give him a call today! 

To Learn more about Jeff visit her webpage.

Welcome, Jeff!


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