Judy Rivard's Blog
174 Sunset Ave, Amherst, MA 01002
Your home is on the market, but you still live there. Now your agent called to see if a potential buyer can look at it in an hour. What do you do?
You Don’t Need to Panic
Instead of holding your head in despair, grab some tools, and clean the most visible areas of your home.
- Sweep the front porch, steps and any cobwebs lurking in the corners. This is the first place your buyer sees, so it gives them an impression they’ll carry into the rest of the house.
- While you’re at it, use the broom to give the front door a once over. If you have a cloth handy, use that too. If your door is glass, remove smudges from the kids and dogs. You can use vinegar and water, glass cleaner or simply warm water.
- Grab a laundry basket and clear clutter from your entryway. Grab stray boots and shoes, hats and coats, school bags and anything else that gets dropped there. Put the basket in your car. You can organize it where it belongs later. Pick up any mail too and stick it in a drawer.
- Sweep your kitchen floor and run a damp mop over it in the high traffic areas. To simplify this for the future, invest in a mop with a bottle of cleaner attached — no need for buckets.
- Light a candle or diffuse essential oils in the kitchen to remove any odors from last night’s dinner.
- Replace all the towels in the kitchen and baths. Set aside towels just for this purpose so that you always have a clean, matching set.
- While you’re in the bathrooms, run a damp paper towel over the faucets and fixtures, wipe out the sink, and run a quick brush around the waterline of the toilet, then flush it.
- Grab all the trash from your trash cans in the kitchen, bathroom, office, bedrooms, and laundry room. If you have a container in your garage, put it in there. Otherwise, throw it in a nearby dumpster(law permitting). Just because you can’t smell it doesn’t mean your visitor won’t notice.
- If you have time, take a feather duster to dark, visible surfaces, light fixtures and art frames.
Finally, grab your family and the pets, hop in the car and head to the park. You don’t want to be near your home while the agent is showing it to buyers. When you’re nearby, the folks visiting might not feel free to ask the questions they need to. When they’ve gone, head back home and reach out to your agent for feedback.
16 Arlington Rd, Amherst, MA 01002
Floods can be devastating. Not only do they damage many of your personal belongings, but they can also lead to devastating problems with your home. The good news is, you can make the process easier by following a few steps in the immediate aftermath of a home flood.
Contact Your Insurance Company
The first step is to notify the insurance company that you have experienced a flood. The sooner you call, the better. Flood damage may or may not be covered under your policy, but if it is, there is likely a process that you will have to follow to make sure that your claim is processed in a timely fashion. Your insurance company may require an assessor to come out. Even though they are likely to take pictures during the assessment, you should take your own immediately to document exactly how everything looked when the damage occurred.
Find a Safe Place to Stay
If there is a significant amount of water in your home, it may not be safe to stay there until the restoration process is complete. If this is the case, find a safe place to stay until the cleaning process is finished. If the damage is minimal, make sure you protect yourself when in the space by wearing a surgical mask, boots and other protective clothing. Water damage can lead to mold and mildew, which can lead to respiratory problems.
Contact a Cleanup Specialist
The final step is to call a cleanup specialist. Water damage can require special care to ensure that your home is properly restored. Your cleanup specialist will make an assessment of the damage, salvage what property they can, remove the water and disinfect the area so that you and your family will not suffer from mold-related issues. They will also inform you about possible repairs that need to be made as a result of the flood.
Don't let flood damage ruin your home, follow the steps above to get on top of the damage so that you can achieve the best results.
A mortgage pre-approval can be a valuable tool for understanding how much you can afford to spend on purchasing a home. It can also make you seem much more attractive to sellers and help to identify any potential problems that may make it difficult to get a loan. In fact, many lenders claim that if a buyer isn’t pre-approved for a mortgage, they will have a difficult time navigating the real estate market. But what does pre-approval really mean?
What is a Mortgage Pre-Approval?
While it can sound like you’ve got a sure thing locked in when you’re pre-approved for a mortgage, being pre-approved doesn’t promise that you’ll be able to secure a loan for the home that you want to purchase. A mortgage pre-approval simply means that a loan officer has reviewed your finances and decided how much money you're allocated to borrow, what you should be able to pay each month towards your mortgage and what your interest rate will be.
Once, you’ve been pre-approved by a lender, you will get a letter that can be shown to sellers. This letter indicates that you’ve already established a working relationship with a lender. This helps to give sellers peace of mind in knowing that you’re serious about putting in an offer on their home, and they don’t have to risk wasting time with a buyer who isn’t serious.
What Are the Benefits of Getting a Pre-Approval?
A pre-approval doesn’t guarantee you’ll get a mortgage but it does offer a few key advantages during your search for the ideal home. It helps to give you confidence while looking at potential properties, as you look at homes that are within your budget. There’s no need to fall in love with a home that you can’t afford. Additionally, it establishes credibility as a buyer, showing that you have your finances under control and can help to put you on the fast-track to closing once you’ve found the perfect home.
Are Pre-Approval & Pre-Qualified the Same Thing?
Unfortunately, no. These two similar real estate terms are not interchangeable. When you are pre-qualified for a mortgage, this indicates that you have given your lender information regarding your income, debts and assets. Without doing further research, the lender then tells you that you should qualify for a certain mortgage. Pre-approval is a much more in-depth process, requiring your lender to verify the financial information provided by pulling your credit history, as well as verifying your income and assets.