There are so many options when it comes to building a new home such as floor plans, home sites, neighborhoods, cabinets, flooring, etc.- the list goes on. But what about financing? Is it best to work with the builder’s preferred lender? If so, why?
They are on your Team
The builder and the preferred lender work together on your behalf to not only build your amazing home, but to make sure all financing is in order when it comes time to close. The preferred lender has access to the builder’s systems to keep up to date with construction dates and schedules. They have access to important items like sales agreements, upgrades, prices of the homes, and deposit checks. The lenders also work with home appraisers who are usually familiar with the builder and their projects allowing things to move quicker. This allows the lender the ability to work more efficiently and quickly through the loan.
They Are Experts
Builders choose preferred lenders very carefully. They want to work with a lender that is an expert in new construction and understands the timelines and what to expect during the building process. That is why Ryan Legacy Builders uses Trish Croker with Presidential Mortgage as our preferred lender. She helps buyers pre-qualify to know what they can afford, so when they look at floor plans and upgrades they will already know what they can do. She works closely with Ryan Legacy Builders, and you the homebuyer, to ensure your loan will close. Buying a home is a big financial decision, and with a preferred lender you can have peace of mind.
There is usually an Incentive
Buyers that use the builder’s preferred lender may often receive an incentive from the lender as a contribution towards closing costs or as upgrades towards the home. These incentives may vary by the individual lender, but it’s something to ask the builder about when you visit a model home, or ask who the preferred lender is and contact them directly.
Builders and their preferred lenders have one goal in mind, to create happy home buyers.
If you’re like most homeowners today, your garage storage includes room for everything but your car. We simply have too much stuff. However, don’t let this stress you out. Give your garage a much needed make over and reclaim your parking spot! Here are a few tips to clear up the clutter:
- Set aside a full day, or even a full weekend or 2, to get the job done.
- Make decluttering a family project or even invite over a few friends to pitch in.
- Go through EVERYTHING! This includes those boxes that never got touched or unpacked when you moved in.
- Sort all items into 3 piles: Keep, Donate/Sell, and Toss. Consider getting rid of broken items, overgrown toys, expired household chemicals, and anything you haven’t touched in 2 years or longer.
- Organize your Keep pile into categories (i.e- toys, tools, sports equipment, etc). Put these items in labeled boxes that can be used again later.
- Get rid of the Toss and Donate/Sell piles as quickly as possible. If you have a lot of stuff, consider having a yard sale or making a large donation. The quicker you get rid of these items, the sooner you can start your organization.
- Note your garage dimensions and how much space you’ll need to park your car.
- Place frequently used items, like bikes, close to the front of the garage by the door.
- Store seasonal and rarely used items in the harder-to-reach spots like overhead.
- Keep items close to one another that you use together (gardening tools, lawn care items, etc.)
- Put big, bulky items in the corners where they won’t get bumped by your car (lawn mower, wheelbarrow).
- MOST IMPORTANT- Keep items off of the floor whenever possible. This will help free up space and avoid those sloppy piles of junk. If you purchase shelving or cabinets, make sure they are on legs so that you can easily access underneath.
Useful items to help organize that you can buy at the store:
- Stackable Clear Plastic Bins with Lids: Great for Miscellaneous items so that you can see what is inside. Lids also keep your items dust free. Make sure to label bins as well!
- Open Shelves: These provide easy access when installed at eye level. You can easily find what you are looking for and with open shelves you are less likely to accumulate clutter.
- Lockable Cabinet: Great for storing chemicals or other items that you do not what your children getting into.
- Adjustable Hanging Rail System: Great for keeping items off the floor such as gardening tools, sports gear, and lawn care items. Add hanging baskets for sports balls or smaller items. For long, flat items such as ladders or kayaks, try the garage ceiling or higher up on walls. Just make sure there is enough clearance for the garage door opening.
- Bike Mounts: Leaning bikes against the wall just doesn’t cut it. These steel hooks come in varying sizes and can hold the weight of multiple bicycles.
- Pegboards: Easy to install and customizable in size. Pegboards are great for organizing hand tools. Outline where the tools go to indicate if one goes missing.
Way to go- You now have room to park your car inside! Keep it clean for good by regularly sweeping and hosing down. At least once a year sort through your stuff to make sure you are not accumulating unwanted clutter. Don’t be scared to toss what you don’t need!
The new year is in full swing and the long winter is beginning to thaw around the edges. It’s time to propel your home into the next season, too! Just by switching out some old things and bringing in the new, you can use these home decorating tips to get your home blooming for spring:
Living room decorating ideas
- Brighten up your neutral sofa by adding some colorful pillows or buying couch covers in bold statement fabrics.
- Change out heavy or dark draperies with something sheer and lightweight.
- Rearrange the furniture; try shifting the focus away from the fireplace and make a large window or a piece of artwork your new focal point.
Bedroom decorating ideas
- Swap out your duvet cover and bed linens for ones in bright new colors.
- Spray your clean sheets with a floral-scented linen spray; the aroma is relaxing and reminiscent of a spring garden.
- Switch out the dark frames around your family photos with white or lightly colored ones. Choosing a single shade will unify your group of photos.
Dining room decorating ideas
- Give your table a facelift by adding some colorful placemats or dishware.
- Hang a large mirror on the wall—it will instantly spread light to brighten up the room and make it appear larger.
- Keep spring alive all season by keeping fresh flowers on the table and by decorating with anything that makes you think of spring: leaves, painted birdcages, dragonflies, etc.
Want even more ideas? Stop by our Lake Linganore community and walk through our beautiful model 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!
The time is now! Have you been drawing an interest to local real estate lately, but feel hesitant to make the leap from renter to homeowner? Take advantage of interest rates while they are still low!
Here are some signs that may indicate that you are more ready than you think-
- You have a secure job. You’re getting good feedback and reviews from co-workers. Your employer is in a solid position and may even be growing. If you like your job and see your future there, you have the job security that’s important when making a mortgage commitment.
- Your credit is good. A good FICO score is considered to be 700 or higher. However, you can get a loan with a lower credit score, as long as your debt-to-income ratio is within an acceptable range. The higher your credit score, the better you will do in terms of how much you can borrow and at what rate. Talk to a lender about a mortgage pre-approval. A lender can also give you suggestions on how to raise your credit score to help your qualification.
- You’ve been paying your rent on time for years. Making a monthly payment on time shows that you are responsible. This also shows that you’r used to committing a sizable sum each month to your living expenses. Your monthly mortgage payment could be less each month than your rent. This should give you confidence that you can handle it.
- You know what you want in a Home. You’re becoming more aware of home designs and exploring local neighborhoods. You’re starting to envision yourself as a homeowner instead of seeing it as a distant reality. You’re excited to get rid of roommates (or parents) and that excites you.
You’ll never know if you’re ready to buy a home if you don’t make the move!