Part of the relocation process may involve the purchase of a new home. This is a very exciting time, but the Jacksonville movers here at All My Sons Moving and Storage want to see you get the best deal possible so that you can enjoy your new home at the lowest mortgage rate possible.
Record Your Finances
There are some new mortgage regulations that have recently been put in place, and these regulations require that lenders are able to verify the borrower’s ability to repay the loan. Keeping accurate financial records will help you show your repayment ability, so ensure that you keep track of the following:
· Investment accounts
· Bank statements
· Unusual deposits
Take Advantage of Your Leverage as a Buyer
Since mortgage rates have climbed over the past year, many lenders have lost out on some of their refinance business. In order to offset this loss, many lenders will have to turn their attention to buyers, meaning there will be a competitive market for your business. You can use this as leverage to ensure that you get the best deal, so make sure to be patient and explore your options.
Stay Well Within Your Budget
This is simple, yet sound advice. A lender does not want to issue a loan to anyone who will not have much left over after they pay their mortgage and other expenses each month, so exercise financial restraint as you select the home you wish to purchase. As a general rule, your monthly debt obligations should not be more than 43 percent of your income.
The Jacksonville movers we employ here at All My Sons Moving and Storage are excited about helping you move to your new location. Whether you are simply moving closer to the Atlantic Ocean, or are making the big cross-country journey to the Pacific Ocean, we are here to help you. You may be wondering, however, what you can do to help us on your big day. Preparation for our arrival is simple, and it makes our jobs just a bit easier.
Contact Your Moving Consultant
Communication is vital while preparing for a move, and keeping the lines of communication open with your moving consultant will help to ease the process a great deal. Make sure that you review and confirm all of the arrangements you have made, and ask any questions that you may have. As moving day approaches, make sure you write down your questions as you think of them so that you do not forget to ask about anything.
Make Decisions in Advance
You will need to determine in advance what you will be leaving behind, what we will be moving for you, and what you will be moving yourself. This will allow you to be adequately prepared for our arrival, and it will also give you the opportunity to host a sale to rid yourself of what you planned on leaving behind. You can also choose to donate certain items and items that you are unable to sell.
Of course, our Jacksonville movers are here to help. Should you ever have any questions, it is always best to ask.
The entire process of relocating can sometimes be trying, but when you work with the right people, the difficulties seem to disappear. Just as utilizing the friendly, experienced and knowledgeable Jacksonville Movers we employ here at All My Sons Moving and Storage can ease the process of moving, so can selecting the ideal realtor help you as you buy or sell a home. There are several easy ways that you can ensure you are working with the best real estate agent for your specific needs, which will go a long way toward making the entire relocation process an easier experience.
Opt for an Experienced, Knowledgeable and Successful Agent
Take the time to research any prospective realtor’s background and experience. An agent that has been in the business for an extended period of time will likely be able to better help you as you sell your home. You should also explore the realtor’s credentials, which may help you find an agent that specializes in the service that you need:
· Seniors Real Estate Specialist (SRES) – These realtors have completed training for the helping of buyers or sellers over the age of 50
· Certified Residential Specialist (CRS) – These realtors have completed training relating to the buying and selling of residential properties
· Accredited Buyer’s Representative (ABR) – These realtors are trained to represent buyers in a home transaction
As you search for an agent, you should also understand that realtors who are members of the National Association of Realtors are able to capitalize the “R” in realtor, so there is a difference in the way realtors present themselves. Choosing the right realtor for your needs will help to ease your transition as you begin your relocation, so take the time to determine your needs and conduct the appropriate research.
The Jacksonville movers here at All My Sons Moving and Storage understand that there are many circumstances that place homeowners in a position where they need to sell their home relatively quickly. It may be that a more lucrative job offer has presented itself, or that a family member is in need of care. No matter the reason, there are methods that can help expedite the sale of your home. When it comes to planning an open house, the employment of these simple methods can help you in a significant manner.
Even though you need your home to sell quickly, you still must take some time to plan the proper execution of your open house. Try to select a day when other open houses in your area are taking place, as this will generate more traffic to your home, increasing the likelihood of finding a buyer. You should also invest in various forms of advertising to ensure that buyers are aware of the scheduled open house.
Make Your Home Appealing
Your home should be very clean and organized in advance of the open house, as anything that will distract potential buyers from the quality of the home is undesirable. Many people try to create an inviting atmosphere by preparing baked goods for guests, providing a nice aroma as potential homebuyers enter.
Employ the Assistance of a Realtor
Clearly, the assistance of a realtor can greatly enhance the likelihood that you are able to sell your home quickly and efficiently. Make sure you explain your situation to your realtor, and delineate your specific expectations relating to the sale.
For many people, the idea of getting rid of their belongings is a way for them to think of a reason to keep everything in their house no matter how flimsy that reason might be. If you’re moving, then not only will downsizing your home be good for you mentally, it will also be easier for Jacksonville movers. But where do you start?
Take a Look at Your Needs
Walk through every room in your house and study everything in it. Do you really use that treadmill? How many family meals do you actually eat at the dining table? How about that chair in the corner that no one ever really sits in? Don’t lie to yourself and say you’re going to start using all of those items. If you haven’t used them in the past five months, chances are good that you’re never going to use them.
Empty Your Shelves, Closets and Cabinets
Rifle through your shelves, cabinets and closets and get rid of everything that you can’t remember the last time you used it. It’s okay to put some of those items into storage, but if six months passes and you haven’t used them, get rid of them.
If you’re moving into a new home, grab a tape measure and see if you’ll actually be able to comfortably fit everything in your new home. Think about selling anything that won’t fit or that you don’t need so that you can make some money during the moving process.
All My Sons is here with experienced Jacksonville movers who can help you move out as you move up.
Even though the housing market is showing signs of recovering, many people are still wondering if they should buy a home or a condo. Buying either one is a big investment, and it’s important that you know all of the facts about being a homeowner and owning a condo before you call Jacksonville movers to help you pack.
Get the Facts Straight
Homes come with mortgage payments, and condos come with maintenance fees. Those maintenance fees have to be paid every month, so make sure that you know exactly how much you’ll be paying. You’ll also want to move somewhere where the maintenance fees haven’t gone past the general rate of inflation. If you are strongly considering buying a condo, it’s best that you find a development where at least 90% of the units are owner occupied.
Live With Responsible Owners
Do your research to make sure that a majority of the condo owners have paid up their monthly payments. One thing about owning a condo is that you’ll have to make up the balance if some of the other condo owners haven’t paid their monthly payments. You should also buy a condo where at least ten percent of the HOA yearly budget is put back for maintenance and repairs down the line.
Owning a condo might be a much better deal for you than buying a home. In either case, Jacksonville movers from All My Sons are right here to help you move into your new place.
The price of rent is steadily increasing, so it’s no wonder that people are thinking about downgrading their apartments, especially if they don’t like the idea of having a roommate. You might frown on the idea of getting a small studio apartment, but All My Sons is here to offer you apartment advice in addition to offering professional Jacksonville movers.
Save Money and Love Where You Live
One of the best parts about living in a studio apartment is the cheaper rent. Now you can start to put money back in savings and pay a little extra on your bills every month. With all of the money you save, you can also move to the cooler parts of the city if you like, meaning that you don’t have to spend money on parking or taxi rides to get downtown.
Minimize Your Life
If you feel that you’ve got too many things in your life, living in a studio apartment will force you to really decide what you should keep and what you should bring with you to your new place. Another advantage of living in a studio apartment is that everything you need is only a few feet away as opposed to a few rooms away. Now you don’t have very far to move when you’re comfortable and forget something.
No matter where you should decide to live next, All My Sons offers the best Jacksonville movers who will get you and your life to your new home as quickly and efficiently as possible.
Rather than think about moving into a bigger home when you get a promotion or feel that you’ve outgrown your home, why not think about moving into a smaller home? As odd as it sounds, getting a smaller home can actually be a great idea for you and your family, and not just because there will be less for Jacksonville movers to pack up and deliver to your new home.
Think Long Term
If you hate cleaning the house and maintaining your yard, then you’ll definitely want to give more thought to moving into a smaller home. Now you can spend that time with your family, friends and doing more of the things that you love.
Smaller homes also come with smaller heating/cooling and electricity bills in addition to lesser taxes. Rather than being shocked at how much the water bill has gone up, you can be shocked at how much it’s gone down.
No one likes paying a mortgage, so why pay more than you absolutely have to? With a smaller home comes a smaller mortgage. Another thing to keep in mind with smaller homes is that you can free yourself mentally since you won’t have as many belongings to agonize over. You’ll truly have to need everything that’s in your smaller home instead of packing it away in an extra room where it might never be seen again.
All My Sons has the best Jacksonville movers who are ready to help you move into your smaller home. Give us a call when you’re ready to downsize your home and upgrade your life.
Ready to sell your home, but worried that some of your major rooms are looking outdated or worn? Spending money on upgrading them now can mean greater buyer interest and higher-priced offers. This can save you both time and money in the long run.
Kitchen remodels prove time and again to be a solid investment when upgrading your home for resale purposes. Often considered to be the most important room in the house, the quality of your kitchen and its appliances is no doubt going to be examined by any potential buyers you may have visit your home. While a full complement of top-of-the-line stainless appliances and granite countertops often seems to be a virtual slam-dunk in terms of resale profit potential, you can opt for smaller, less expensive options as well.
Consider almost as important by many buyers are the bathrooms in your home, especially the master bathroom. Upgrade the sinks to marble or granite, consider replacing your old bathtub with a jetted tub, or redo the tile in your shower. Don’t forget to keep things neutral and appealing to a variety of tastes.
Time to Move?
Discussing how to maximize your investment with a qualified kitchen and bathroom remodeler or home contractor is one great way to determine your best options, as well as receive advice you would have never previously considered. After upgrading your home, finding the perfect buyer, and signing on the dotted line come closing day, it is finally time to pack up and move out. All My Sons local Jacksonville movers are here to help you make this experience as pleasant and professional as possible. Give us a call today!
A mortgage is one of the single largest and most important loans you will likely ever have in your life. The aftermath of the housing market crash has forced many lenders to be more rigorous and thorough with all new approvals, as well as throughout the underwriting process. This means that you can expect to be asked for several years worth of relevant documentation proving your income, tax payments, proof of employment, and other paperwork.
First Things First
Before you even consider looking for the home of your dreams, hit the brakes and pull a copy of your credit reports and accompanying scores from all three lenders—Equifax, Experian, and TransUnion. Most lenders have minimum credit score thresholds, and if there are any collection agency tradelines on your reports, underwriting may insist that you clear the debts up satisfactorily prior to being approved.
What to Expect
In addition to your credit reports, lenders will likely ask you for the following:
· Valid state or federal identification
· Tax returns for at least 3 years, complete with W-2’s
· Marriage certificate and/or proof of divorce
· Proof of alimony/child support obligation
· Pay stubs—at least 2-4 weeks’ worth
· Bank statements for at least 3-6 prior months
Congratulations! As you prepare for moving day, please keep All My Sons in mind. Getting ready to move into a home can be stressful enough—let us take some of that burden off your shoulders. Our experienced and professional Jacksonville movers can help ensure a safe and worry-free moving experience.