2018 New Year’s Resolutions for your Home

The holiday chaos is finally over and many of us are hungry for a change and fresh start. A new year is the perfect place to start new habits and routines to live your life to the fullest. Don’t stop with healthy eating and more exercise- home improvement and care is just as important! Here are a few New Year’s resolutions for your home:

Get Healthy: What better way to get healthy than adding a garden or planting a fruit tree? Start small and see what happens. A window box filled with fresh herbs is a fun and easy way to give you a test run.  Make sure to involve the kids- they will be more likely to eat it if they grow it!

Remove Excess: Put your house on a diet by getting rid of the junk! Take a good, hard look at the things you own, recall the last time you used them, the likelihood that you will use them within the next 6 months and the value that they bring to your life and your home. If you find items that haven’t been used in ages, put them in a pile and let them go! This practice is simple, yet life-changing when you experience the mental space that is cleared up by simply decluttering.

Get Safe: Help ensure your family’s safety by making sure your home is equipped with functioning smoke detectors, a carbon monoxide detector and a radon detector (usually available for under $20). Check all door and window locks as well as fencing and gates to make sure everything is in good working order.

Freshen Up: Take advantage of the recent sales and replace your dingy old blankets, bedspreads, sheets, and towels with new ones. While you’re at it, give your home a nice deep clean Who says you have to wait for spring?

Get Social: Now that your home is de-cluttered, fresh, and clean, call up your friends and do some entertaining! Have your neighbors over for coffee or friends and family over for dinner and catch up. Plus, if you know anyone looking for a new home, invite them the check out Ryan Legacy Builders!

 

Checklist for First-Time Homebuyers

12 Months Out:

  • Check your Credit Score: The 3 credit bureaus are each required to give you a free credit report once a year.
  • Determine How Much You Can Afford: Talk to a Lender. Lenders will need to know your debt-to-income-ratio.
  • Make a Down Payment Plan: Narrow down how much money you want to put down and what type of financing options you have (conventional loan, FHA, etc.)

9 Months Out:

  • Prioritize What you Want Most in your Home: What’s most important in your new home? A Big Backyard? Proximity to Work? Amenities? An Open Floor Plan?
  • Research Neighborhoods and Start Visiting Open Houses: Start getting an idea of what kind of homes are in your price range and what neighborhoods appeal the most. This is where the fun begins!

6 Months Out:

  • Collect Your Loan Paperwork:
    • W-2 Forms
    • Personal Tax Returns for the past 2-3 Years
    • Recent Pay Stubs
    • Credit Card and all Loan Statements
    • Bank Statements
    • Previous Addresses
    • Retirement Account Statements, such as 401k

3 Months Out:

  • Get Pre-Approved For Your Loan: Start working with a lender to get pre-approved for a mortgage.
  • Start Shopping for Your New Home: Now that you are pre-approved, start targeting homes that meet your priorities and price range. 

2 Months Out:

  • Make an Offer on a Home: If you are purchasing a pre-existing home, it usually takes   approximately 60 days to close. If you are purchasing a new construction home that needs to be built, it usually takes approximately 6-10 months.

The Final Month:

  • Triple-Check that all of your Financial Documents are in Order and Review all Lending Documents Before Closing: You’re in the Home Stretch!
  • Get Insurance for your New Home: You’ll need to bring proof of insurance to closing.
  • Final Walk-Through
  • Get A Cashiers Check or Bank Wire for Cash Needed at Closing: Make sure you get an exact amount of cash needed for closing. You’ll get that number a few days before closing so you can secure a cashier’s check or arrange to have the money wired. Regular checks aren’t accepted.

Last Step- Enjoy Your New Home! Congratulations 🙂

 

 

 

Ryan Legacy Builders Awarded “Best Website” by FCBIA

Congratulations to our Sales/Marketing Director, Blaire Ryan, and Johanne Courtright with Power Marketing, on receiving the award for “Best Website” by Frederick County Building Industry Association! The award was presented at the 2015 Awards of Excellence Dinner on May 7th at the Ceresville Mansion in Frederick, Maryland.

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Johanne Courtright and Blaire Ryan

Top 10 Reasons to Buy New vs. Used

1. It’s Brand NEW! This point almost speaks for itself! Wouldn’t you want to be the first person to cook in your gourmet kitchen? Or the first person to soak in your luxurious tub? Everything is clean and never been used!

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