Searching for the right mortgage for your new home is likely the most important step when buying a new home. Having that preapproval lets you know how much house you can afford as well as getting your wallet ready for budgeting. There are some things you can do that can make lenders second guess your application, and you want to avoid doing anything that can sabotage the purchase of a new house: 

• Not knowing what is on your credit report can set you up for a surprise when a potential lender pulls it for inspection. Obtain a free report through your bank or credit union so you can correct or dispute errors before you fill out a loan application. 
• Sending late payments on credit cards and other monthly bills during the approval process will show on your credit report. 
• Opening a new line of credit for large purchases will raise your debt-to-income ratio (DTI). Except in emergencies, avoid buying anything on credit until after closing on your new home. 

• In the same manner, closing credit accounts can negatively affect your credit score. If you have paid off credit card balances, leave them active, as this shows lenders that you have credit options available. 
• Trying to help a family member get a loan by co-signing with them will raise your DTI and can discourage lenders. 
• Unless it is completely unavoidable, changing jobs can hurt your loan chances. Lenders like to see a steady income from employment with the same company or same field. 
• If you are using gifted funds to assist with the down payment, do not deposit the money into your bank account without documentation from the giver. Learn more about the procedures for down payment gifts from the balance. 
• Do not let poor credit and lack of a 20% down payment keep you from buying a house. FHA, USDA, and the VA all have programs to help make the dream of homeownership a reality. Check each website for eligibility requirements. 

Lastly, buying a home without a REALTORⓇ can be a costly mistake. No, there is no money coming directly from your pocket to pay the buyer agent–their pay comes from the home sale. Find a reputable agent who knows how to find the right house for your budget as well as your wants and needs, plus knows all about negotiating a home sale price. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit:  CNBC

As temperatures rise, it’s important to have ways to keep your home cool. There are a lot of different options to accomplish this, including both single-room solutions and solutions that help to cool down the entire house. While different people choose different methods to heat and cool their homes throughout the year, the majority of cooling solutions will include some sort of air conditioning.

Smart thermostats are popular options for those who have central heat and air, as they give a greater amount of control over the temperature that the home stays at. What happens if you need cooling for one specific part of your home, though? If that’s the case, you might want to consider a smart air conditioner to help you meet your needs.

It is becoming common knowledge that the fewer chemicals we use in our lawns and gardens, the better it is for everyone. One roadblock of using fewer manufactured products on our plants is time–it is time-consuming to go even halfway organic. The following tips will get you started on a more natural approach to a healthy garden. 

• While shopping for plants, pay attention to the plant information tags in the cell packs. Following those details are essential for good growth. 
• Enriching the soil with compost is the first step to using nature to fertilize your plants, and one way to do that is with grass clippings! According to Mother Earth News, a mulch of 1”-2” of cut grass can feed your garden for the season.  
• Earthworms are the source for many good things for plants and your soil. They can be purchased or save money and attract them naturally by adding plenty of organic matter to your garden soil.  

• When and how you water your garden plays an important part in keeping diseases and pests at bay. A morning shower with a water hose can rid your plants of nasty aphids. Watering in the evenings can cause fungi and mildew to grow, and neither is easy to get rid of once they set in. 
• Learn the difference between beneficial and unwelcome insects. For example, they may frighten us, but many stinging insects are taking care of the bad ones that are eating up our plants. The Sod God offers some excellent information as well as infographics to help you distinguish between the good and the bad. 
• Row covers are a great and chemical-free way to keep not only insects away, but veggie-loving birds as well. If they cover your plants completely as they grow, they will provide a barrier between your plants and the bad guys. 
• There are many natural products available to kill and repel insects: diatomaceous earth, insecticidal soap, horticultural oils, and capsaicin to name a few. As with chemical pesticides, follow package directions exactly to keep plants safe, as well as wildlife and pets.

Going organic takes knowledge and a little extra work. Growing a Greener World is an excellent television source for natural gardening, and there are many books and magazines on the subject. Look for sources that have been certified as an organic entity or are written or produced by someone who has plenty of organic gardening experience. Reap the rewards of not only a great vegetable harvest or beautiful landscaping, but of keeping chemicals out of the environment. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: Kellogg Garden Products 

The idea of the “she-shed” has come and gone, and left behind a whole new understanding of how sheds can be used to add extra space to a property that could stand more room to move. With the rise of work-at-home jobs, a home that’s already stuffed full of life can be made even more useful for work or play with the addition of a studio shed.

When was the last time you looked through the photos of a beautiful home on a website or in a magazine layout? Did you miss anything? Probably not.  The non-stylish parts of a house have been digitally removed from the photos so that all a viewer sees is style.  Electrical outlets and cords, as well as HVAC vents, are necessities in a home, and while photo editing software cannot hide them, there are plenty of tricks to conceal them. 

• Canvas art usually has an open back and can be placed over flat-screen televisions, thermostats, and window unit air conditioners (when not in use). 
• Paint can cover many things we do not like, and if your kitchen appliances are lacking, there is paint for that!  It does not have to be a color; appliances can be painted for a stainless look as well. 
• Create a gallery wall around the thermostat, and it will fade into the framed pieces. 

• Return air vents are necessities but can be made to look much nicer: purchase a stylish cover that is made specifically for return vents, hang a stylish doormat over the vent, or switch the everyday slatted panel with decorative sheet metal. 
• Hide the home WiFi router in an empty box with holes cut in the back for cords, an inexpensive basket, or get crafty and make a screen from old book spines! 
• Cover popcorn or dated plaster ceilings with prefinished wood planks, faux beams, or tiles made of one of the many materials available at local home stores. 
• Make that plain bathtub go undercover with self-stick tiles.  They come in all styles, shapes, and colors, and do not require any previous installation know-how. 
• Wall-mount televisions have become the norm, and the cords hanging from the screen can be unsightly.  Home centers have cord cover installation kits in many styles and colors for those who feel confident enough to use some power tools. 

• Paint radiators in the same color as the wall.  This may not hide them completely, but they will blend in, making them easier on the eye. 

Who needs a designer or magazine layout to make those household essentials fade into the background?  Updating the style of the mundane and functional parts of a home can be fun and easy, and while some of them may be little changes, they can make a big impact. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: Home Depot

Putting a home on the market can be a stressful experience. Sometimes it seems like homes sell almost before you can get them listed, while others appear to languish due to shifts in the economy and buyer enthusiasm. Fortunately, there are ways that you can increase the likelihood of your home selling even if the market isn’t at its best. One of these options is to improve your home staging so that potential buyers will be wowed by the property and want to make it their own.

Some people view home staging as simply making sure that everything is neat and orderly so that buyers can see the home at its best. While this is important, it’s not the only thing that you can do to improve the appeal of your home. Here are a few unexpected ways that you can make your home look better to prospective buyers.

While meeting with a lender to discuss the purchase of a new home, you may hear and read words you are not familiar with. Knowing these financial terms and acronyms will make that meeting go more smoothly. Here are some common financial terms that will come up during your mortgage transaction: 

• Adjustable-Rate Mortgage (ARM): a type of mortgage in which the interest rate applied to the outstanding balance varies throughout the life of the loan. A fixed rate may be applied for the initial loan period, but after that, the rate will fluctuate. Sometimes called a Variable Rate Mortgage. 
• Annual Percentage Rate (APR): the yearly rate of interest that an individual must pay on a loan 
• Closing Costs: fees and expenses paid at closing, beyond the down payment; costs can run 3 to 5 percent of the loan amount and may include title insurance, attorney fees, appraisals, taxes, and more 

• Debt-to-Income Ratio: the borrower’s monthly debt payments divided by their gross monthly income; the number is one way lenders measure the borrower’s ability to manage monthly payments of the loan they receive 
• Earnest money deposit (EMD): deposit made after buyers make an offer on a property; sometimes referred to as a good faith deposit; held in escrow until closing 
• Escrow: an arrangement in which a third party distributes the money paid during the property-buying transaction 
• Fixed-Rate Mortgage (FRM): a type of loan in which the interest rate on the mortgage is fixed; the rate will not change during the term of the mortgage 
• Loan Estimate: tells important details about the mortgage loan requested; compare and choose the loan that’s right for your budget by getting a loan estimate from more than one lender 

• Pre-Approved: when the home buyer is approved by a lender for a specific loan amount after the buyer provides documented financial information to be reviewed and verified by the lender 
• Pre-Qualified: an estimate of how much the home buyer can borrow based on a review of financial information; not a guarantee of being approved 

Do not go into the lending process without some knowledge under your hat! Going into what is probably your largest investment without knowing anything about it may end up in disappointment and having to wait longer to buy your new home. The Consumer Financial Protection Bureau offers many other terms not listed here and is a great resource for learning more. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: bettermoneyhabits.bankofamerica.com

Having a garden is a great way to enjoy the outdoors while also getting some delicious fresh-grown fruits and vegetables for your meals. The thing is, if you’ve never maintained a garden before then you might not realize just how much work goes into it as well. You need to consider the type of soil you have, the amount of sunlight your plants receive, how often different plants need water… you even have to think about what sort of things to plant and when to plant them! For newcomers to gardening, it can be pretty overwhelming.

That doesn’t mean that it’s not worth doing, of course. You just need to be sure to garden smarter, not harder. A lot of work goes into a successful garden, and a decent portion of that work involves figuring out how to maintain your garden and what you should avoid. While we can’t cover every possibility here, the following tips should put you on the path to garden success.

The appraisal is one of the many steps in the buying/selling transaction. Lenders need an unbiased valuation of the home being sold, and the appraiser will look at the property. Sellers generally have at least two weeks to get ready, and because they have an important stake in the appraisal of their house, they should be well prepared: 

Exterior 

• Make sure the front and back yards are neat and free of debris. Check fencing, steps, and walkways for any damaged places and make any necessary repairs. 
• As close to the appraisal appointment as possible, put down fresh mulch, colorful potted plants, and mow the grass. 

• The exterior siding should not have peeling paint, broken or missing vinyl siding, or rotting wood. 
• Make certain windows are in good working order, with no rotting sills, cracked glass, or peeling paint. 
• Decking and porches should be in safe condition. 
• From a distance, look at the roof for missing shingles or bad spots. Have any recent roof repair paperwork ready for the appraiser. 

Interior 

• Flooring that is worn, soft, cracked, scratched or stained will deduct from the home’s value. Clean the carpets, and make repairs to any hardwood, tile, or linoleum. Use an enzyme odor remover where pet odors are present. 
• The appraiser will check the water pressure by turning on all faucets and will flush toilets, too. 
• Kitchen cabinets should not have sagging doors, and all should close completely. 
• If the odor of mold is present, it will be cause for further inspection. Clean the usual bathroom mold before the appraisal, but if mold is present anywhere else in the house, it is best to be straightforward with the problem and have it professionally eliminated. 

Repairs that cost $500 or less are worth making, as they usually add to the appraisal value. Allow the appraiser to perform their job, answering questions along the way, and have any paperwork from previous repairs at the ready. After prepping the house for the market, it is important to maintain it during the showing process, as it will save time and money once an offer is made and the appraiser makes their assessment. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: houselogic

When COVID-19 emerged, a lot of employers realized the advantage of allowing at least some employees to work from home. Not only can it act as a benefit for employees, but it can also help to reduce the cost of stocking and maintaining a physical office space. As a result, the number of people working in home offices has increased significantly over the last few years. This trend will likely continue as well, since companies are realizing that many employees like a work-from-home option and are actively seeking out WFH positions.

While there are definite advantages to this, it does bring up one potential problem: If your home wasn’t designed with a home office in mind, where are you going to put it? While some people solve this problem by just sticking a desk in the living room or bedroom, that isn’t exactly an elegant solution, and doesn’t afford you much privacy for work. If you need a new home office space, here are some suggestions that might help you find the room that works for you.