http://It is possible to purchase a home after a bankruptcy. Usually in just 2-4 years you will be ready to be a home owner again! Check out this video to get some helpful tips on how to rebuild your credit after a bankruptcy.
Moving into your new home is a big job. The further you plan in advance, the smoother it will go. This list contains most of the big tasks you’ll need to do and suggested timeframes. Depending on your situation, you might be able to delete (or may need to add) some items.
8 weeks Before
- Call moving companies for estimates
- Remove and dispose of unnecessary possessions
- Start compiling an inventory of your possessions.
- Get a floor plan (with room dimensions) of your new home to help you decide which furnishing you want to keep and which room they will go in.
- Start a file of moving-related papers and receipts.
- Locate schools, healthcare professionals and hospitals in your new location.
- Arrange to transfer your children’s school records and family medical records.
6 Weeks Before
- Secure off-site storage.
- Choose a mover and sign contract.
- Contact your homeowner’s insurance agent about coverage for moving and secure.
- Contact insurance companies (auto, homeowners, medical and life) to arrange for coverage in your home.
4 Weeks Before
Create a file of important papers, such as auto license, registration documents and title; any medical dental and school records; birth certificates; wills, deeds stock certificates and other financial documents.
- Notify the following of your change of address:
- Post office
- Credit card companies
- Relatives and friends
- Insurance agent, lawyer, tax/financial advisor
- Magazine subscriptions
- Notify utility companies of date to discontinue/transfer service and/or establish service at your new home. Also arrange for final readings and bills, including refunds on prepaid services.
- Heating oil
- Internet service
- Natural gas
- Trash collection
- Notify your state’s department of motor vehicle of your new address/
- If moving from an apartment, arrange for refund of your security deposit.
- Discontinue additional home services (housekeeper, gardener/lawn service, snow removal, and pool cleaner)
- Start using up things you can’t move, such as perishables.
3 Weeks before
- Make travel plans.
- Make arrangements with condo or homeowners association to reserve elevator usage time if moving into or out of a high rise building.
- Arrange to close existing bank accounts and open new accounts in new area.
- Arrange for child care on moving day.
2 Weeks Before
- Arrange special transport for your pets and plants.
- Contact your moving company and review arrangements for your move.
1 Week Before
- Pack moving-essential boxes–important documents, travel clothes, personal items and prescription medications.
2-3 Days Before
- Confirm all final arrangements with your mover and other service providers.
Article provided by Real Estate Buyers Agency Council
You can be denied a mortgage in the application process for a variety of reasons. Watch my video for help in preparing to buy a home. Call me so I can guide you through the process ~ 253-315-1758.
By Jody Lockshin , Tuesday, 12 January 2016 – 12:15pm
Originally published on CRS (https://crs.com)
Giving your property curb appeal can take a lot of time, effort, and money, but how much of each should you plan for?
While we don’t know exact numbers, we’ve been in the real estate business long enough to give you an idea of what’s involved with the major types of home remodeling projects. Just note that the following information is based on hiring sub-contractors and experts to manage your renovation. If you’re DIY-ing the project, you?ll want to double the amount of time listed below and possibly decrease the costs. That said, while DIY projects can be cost-effective, if they’re not done properly, then you’ll need to have a professional come and fix them?which could cost you more than originally planned.
Re-Doing The Kitchen
Time: A kitchen remodel typically takes 6-8 weeks to complete.
Money: The average cost of a kitchen remodel is around $20,000. If you’re planning on a major overhaul, then it could cost between $20,000 and $55,000.
Effort: There will be a span of several days and possibly even weeks, where you won’t be able to use your fridge, stove or oven. Plan for a few take-out meals or take this time to schedule some dinners with friends, family, and/or neighbors.
Revamping The Living Space
Time: Any living space renovation den, living room, office, bedroom, spare room is about a month’s worth of work per room.
Money: The average room remodel can cost anywhere between $15,000 and $30,000.
Effort: These types of remodels usually require a lot of input from the homeowner. You’ll need to take the time to select paint colors, lighting and flooring options, furniture, and more.
Overhauling The Bathroom
Time: When compared to the other types of renovations, a bathroom remodel is usually pretty quick. Plan for the project to take between two weeks and a month.
Money: The average bathroom overhaul costs about $15,000, not including any major plumbing or structural changes.
Effort: If this is the only bathroom in your home, then you may have to make other arrangements while the workers complete the project.
Finishing The Basement Or Garage
Time: Finishing any area of your home whether it’s a basement, attic, garage or spare room will take a lot more time than the previous mentioned projects. Overall, this project can take 1.5-2 months.
Money: You’ll want to budget anywhere from $30,000 to $50,000.
Effort: The effort involved in finishing a spare room of the house is minimal. Typically, these are rooms that are not accessed every day (which is why they were unfinished) so you can carry on life as normal until the project is completed.
If you’re looking for costs on specific renovation projects, regardless of the room, then Living With My Home’s post on Repair & Remodel Estimates  offers a fantastic set of breakdowns.
Remodeling your home is great for curb appeal if/when you choose to sell. Contact us today  to learn more
about which types of renovations would be best to increase the value of your home.
As seen on Habitat Hunters blog. 
There are lots of things to consider when deciding to purchase a home. Beyond your personal situation, local market conditions, financing costs, and future expectations must also be evaluated. What does the total cost of home-ownership look like? How long do you expect to live there? For these and other considerations, read the article Am I ready to Buy a Home
Before you get started with a multifamily purchase, it is a good idea to do your homework…. You don’t want surprises. Research the location of the purchase to find out how much rent you will receive? Find out how hot the rental market is in the area you are considering. Will there be multiple buyers competing for the property? If so, think about your tolerance and strategize with your realtor. Ask your realtor for a market analysis of the property. This will help you determine the most you should pay. Always have an inspection of the property to be aware of any deficiencies. Read more
This cheat sheet helps you do your homework, so you know what you’re signing when you close the sale of your home.
You’ve already cleared several hurdles by finding the right home, negotiating the best price, and getting approved for a mortgage. The last obstacle on your homebuying track is the closing, which can be both tedious and tense. By knowing what to expect and doing some legwork, you can smoothly put your closing behind you. These seven steps will guide you. Read more
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Fax: (253) 854-4682
Fax: (253) 854-4682
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