Thursday, February 7, 2019 / by Ginger Proffitt
For some consumers, a down payment is the only thing standing between them and the dream of home ownership. In today's economy, it's not always easy to save the necessary funds to not just get into a house of your own, but get a decent interest rate as well. Here are the simple things you can put into your personal or family action plan for saving that down payment money in less time.
1. Get in the Know - Like any good budget or savings plan, the first place to start is to determine where you are NOW in relation to your credit score, your credit score, your monthly bills and assets. Contact me or a trusted mortgage professional to see how much home you qualify for and how much you'll need to save to purchase your home. We can help you take a look at things like credit scores, loan requirements and interest rates now so you can be simultaneously doing ALL the things right during this savings period to ensure the most favorable rate and terms.
Tuesday, February 5, 2019 / by Ginger Proffitt
For the senior homeowner, the big question is 'Do I move or do I stay'? That is going to be a different answer for everyone. It is very individual and very personal. Sometimes the answer is easy. For many baby boomers they are tired of the big house, the big yard and all the upkeep and maintenance. For them, moving into a smaller, more manageable, home is often the answer. They might want to travel and are looking for a home in a safe neighborhood where they know it will be OK to be gone for extended periods. They might want to be closer to family. As retirement approaches, moving out of state might be the way to stretch retirement dollars.
Sometimes the choice is not so simple. Some would rather not move, but stay in their current home but something like stairs makes it difficult. Often health issues make this choice more difficult.
Create a plan that fits your lifestyle and future needs.
Step 1: Do your homework. Consider your interests, financial situation, location of fami ...
Friday, January 25, 2019 / by Ginger Proffitt
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Wednesday, January 16, 2019 / by Ginger Proffitt
Nowadays, heading to your local hardware store to select new flooring can cause a major headache. From stone to laminate, the options are more varied than ever. Fortunately, this PROS and CONS list will help you find one that fits your personal taste, lifestyle and budget.
Comes in a variety of styles and color
Delivers thermal resistance to retain warm air
Softens slips and falls
Requires a high level of maintenance
Easily attracts dirt and stains
Has a shorter life span than other options
Durable and long-lasting
Requires little maintenance
Increases the value of your property
Pricier than other types of tile
Installation is time-consuming
Grout makes upkeep difficult
Durable and requires minimal cleaning
Increases your home’s resale value
Available in several types of wood
Installation can be costly
Scratched surfaces will ...
Thursday, November 1, 2018 / by Suzann Proffitt
Flu season tends to peak in February, but that doesn't mean germs aren't lurking in the Fall season. There are lots of surfaces in your home where troublesome bugs may lurk. As you are putting away those Halloween decorations and starting to set up for the Holidays, don't overlook these places which need your attention!
1. Doorknobs: When was the last time you disinfected your doorknobs? The interior bathroom doorknob is an especially grave offender. When people are sick, have been cooking, or returning home from the world, they're going to be grabbing the knob. Disinfect these the same way you would any high-risk surface, like a countertop or toilet.
2. Pillows: Can you even remember the last time you washed your pillows? Think about this before you plow face down for a night's rest. Most pillows are perfectly fine to run through a gentle cycle in the washer and even a low tumble in the dryer. Naturally, you don't want to become obsessive about this or you'll destroy ...