Are You Prepared to Attend an Open House?

An open house can be a life-changing event for a homebuyer. If you plan ahead for an open house, you should have no trouble determining whether a residence matches or exceeds your expectations. And if the answer is “Yes,” you can proceed quickly to submit a competitive offer to acquire a house.

What does it take to prep for an open house? Here are three open house preparation tips that every homebuyer needs to know.

1. Understand Your Budget

Before you attend an open house, you should find out how much money is at your disposal. Thus, you may want to meet with banks and credit unions to see if you can get pre-approved for a mortgage. That way, you can kick off your home search with a budget in hand.

Although you know that you have only a certain amount of money to spend on a residence, it may be worthwhile to consider attending open houses for residences with initial asking prices that are above your price range. Because in some instances, a home seller may be willing to accept an offer that falls below his or her initial asking price.

2. Create a List of Questions

A home is one of the biggest purchases that a person can make, and as such, it pays to be diligent. If you craft a list of questions before an open house, you can get immediate responses from the showing agent. Then, you can determine the best course of action.

When it comes to an open house, there is no such thing as a “bad” question. As a homebuyer, it is paramount to get as much information as possible about a residence to determine whether a house is right for you. Therefore, if you create a list of questions in advance, you can improve your chances of getting the most out of an open house.

3. Consult with a Real Estate Agent

If you’re uncertain about how to approach an open house, you’re not alone. Fortunately, real estate agents are available nationwide who are happy to teach you the ins and outs of the real estate market. By doing so, these housing market professionals will make it easy to take an informed approach to any open house, at any time.

A real estate agent will always keep you up to date about new residences as they become available. Also, if you are interested in homes in a particular city or town, a real estate agent will notify you about open houses in this area. And if you need extra help prepping for an open house, a real estate agent is happy to assist you in any way possible.

Let’s not forget about the support that a real estate agent provides throughout the homebuying journey, either. A real estate agent will help you submit an offer on a house, negotiate with a seller’s agent on your behalf and much more.

Be diligent as you get ready for an open house – use the aforementioned tips, and you can fully prepare for an open house.

Common Allergens You Can Find Everywhere in Your Home

Allergens can be annoying, even frustrating if you are unable to detect the cause of an allergic trigger in your home. Outdoor allergies are typical, but when these allergens come close to your personal space, it becomes a concern.

Even though experts have discovered many allergens commonly found hanging in the home, there are still measures which you need to take to further protect yourself from them. The number one spot to look is the grill. The grill harbors lots of substances, which can lead to watery eyes, runny, and stuffy nose. Here are more allergens commonly found in the home and how you can quickly fix them.

Cockroaches 

Cockroaches are huge allergens and can trigger an uproar in your body system if exposed to them. They can be anywhere, no matter whether the home is dirty or clean. Both dead and live cockroaches are potential threats and the dirt and waste they leave behind can cause allergic reactions.

Dust Mites

If you are allergic to dust, blame it on some microscopic organisms called the dust mites. According to medical experts, they feed off our dead skins cells. Most found in places like your bedding and upholstered furniture. The solution is to make sure you eliminate dust the best way possible. Similar to cockroaches, they can die, thereby leaving the waste behind. The best action in other to get rid of these allergic triggers.

Dander from animals (Dog, Cat, Mice, etc.)

For pet owners, you might be allergic to your pet’s dander without even knowing. If you are always having nasal congestion, sneezing or itching eyes, then you will need to find out if you are allergic to animal dander, like the furs.

If the pet is new, it might take a while for your system to adjust. If you are allergic to a pet, the solution is not to give the pets up because they are part of the family. What you need to do is designate certain areas of the house to them, as a pet-free zone.

Pollen

It is an outdoor allergen, but it can still enter the home through unlikely means. Most clothes you wear outside can be contaminated with pollen, taking them inside and dropping them on the sofa will only spread the pollen around. 

The solution is to make sure that clothes used for play or yard work outside do not end up on your bed or furniture. Perhaps, an indoor laundry room would be the best solution to tackle this common allergen.

There are so many allergens in the home that can mess up your health. Getting to know them and bringing a stop to them will ensure a home free of such triggers. Are you yet to discover them in your home? Now is the time.

Quick, Easy Ways to Boost Your Credit Score

Your credit score can play a major role in your ability to get the financing that you need to buy a house. As such, you’ll want to do everything possible to improve your credit score before you enter the real estate market.

Now, let’s take a look at three quick, easy ways to boost your credit score.

1. Pay Off Debt As Quickly As Possible

Get a copy of your credit report from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). You are entitled to one free copy of your credit report annually from each credit reporting bureau, and you should take advantage of this perk so that you can learn about your outstanding debt.

If you have lots of outstanding debt, you’ll want to start paying this off as quickly as possible. Because the less debt that you have, the more likely it becomes that you can get a favorable mortgage from a credit union or bank.

Don’t wait to begin paying off outstanding debt. If you pay off even a small portion of your outstanding debt regularly, you can move closer to getting the financing that you need to acquire a terrific house.

2. Avoid New Credit Cards

A low credit score can be worrisome, and it may cause you to consider a variety of options to manage outstanding debt. However, if your credit score is low, there is no need to take out additional credit cards.

New credit cards may seem like viable short-term options to help you cover various expenses while you pay off assorted outstanding debt. But these cards are unlikely to help you resolve the biggest problem – paying off your outstanding debt to bolster your credit score.

Instead of signing up for new credit cards, it often helps to cut back on non-essential bills. For instance, if you don’t need cable, you may be able to eliminate this expense and use the money that you save to pay off outstanding debt. Or, if you have first-rate items that you don’t need, you may want to sell these items and use the profits to pay off myriad bills.

3. Keep Your Credit Card Balances Low

Once you have paid off your outstanding debt, you’ll want to keep your credit card balances low.

It often helps to have one credit card that you can use in emergencies. If you keep one credit card and get rid of any others, you may be better equipped than ever before to maintain a high credit score.

Lastly, if you require additional assistance as you prepare to kick off a home search, you may want to work with a real estate agent. This housing market professional can help you narrow your home search to residences that fall within a specific price range. That way, you can avoid the risk of spending too much to acquire a house.

Increase your credit score – use the aforementioned tips, and you can raise your credit score before you launch a home search.