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New Year Resolutions for Chester County PA Homeowners

by Scott Darling



 

New year, new you, right? Oh, we all seem to resolve to eat healthier, lose weight, kick dirty habits and all kinds of other things, but by the end of February, we find ourselves just trying to remember what our resolutions were, much less actually sticking to them! Homeownership is the same way--we start out with big ideas of what we’ll be doing to maintain it, then life gets in the way, and we fall short.  Get started with this guide: 

 

  • 1. Having an energy audit performed on your house will help you save not only energy but money, too. 
     

  • 2. Your dryer’s lint trap should be cleaned routinely after each load, but your vent and vent tubing should be cleaned at least annually.  Removing as much lint as you can helps dry your laundry faster and reduce the risk of fire. 
     

  • 3. Home security systems aren’t foolproof against hackers, and neither are smart home accessories.  Change passwords frequently, and don’t reuse passwords.  To make it even more difficult to hack, use two-factor authentication.  
     

  • 4. The Family Handyman has several tips for keeping the yard and yard tools in tip-top shape. 

  • Resolve to cut the clutter in your house. While the temps are cool, and you’re spending more time inside anyway, take one room in your home per week to clean out and clean up. 
     

  • 5. Repair the little things that you overlook because they’re not necessarily a safety issue:  doorknobs that aren’t working, dripping faucets, or squeaky floors. Fix now to save you from something bigger happening and costing you more later. 
     

  • 6. Get your personal finances in order!  Commit to saving money, not only in the literal sense, but get the best rates on insurance, or consider refinancing your mortgage. NerdWallet has some great tips for building equity in your home. 
     

  • 7. Print out this free home checklist, and you won’t miss a thing each season! 

 

Find a good balance of taking care of home and taking care of you and your family.  Don’t spend every spare minute maintaining your home. Some projects can combine family and work time, like a big cleaning job, or yard work.  As important as it is to keep up your home, it’s important to keep up with family as well. 

 

Courtesy of Chester County PA Realtor Scott Darling.

 

Photo credit: summit mortgage corp

New Year Resolutions to Help You Purchase a Home

by Scott Darling

 

 

 

 

 

 

 

If you are like the rest of us then just a few days ago you made a list of New Year resolutions.   Many of us however do not stick to our plan when it comes to these promises we make ourselves.  If you plan to purchase a home sometime in this New Year you need to make a few related resolutions that will likely help you to attain your goal and dream of home ownership.  Below these resolutions are listed for you. 

  1.  Stop opening credit cards.  It is easy these days especially when you are shopping, to open one credit card after the other.  If buying a home is on your to do list this year however, you need to steer clear of opening new credit cards. 
  2. Start paying your student loans on time every time.  Many times when folks get student loans they tend to think they can pay them as they can but that can mess up your credit in no time.  If someone who has good credit and shows they are good at paying bills on time every time puts a bid in on a house you have your eye on and you put a bid on that house as well, it’s likely due to their history that they will win the bid and not you. 
  3. Start paying your credit cards every month and on time.  Even if you can’t afford to pay more than just the minimum payment you need to make sure you pay your credit card each and every month.   This type of diligence will serve you well when you go to make an offer on a house.  
  4. Make sure you have a little bit of a cash reserve in your bank account at all times.  It won’t look good to a mortgage lender when you ask for a loan if you have a zero balance in your bank account. 
  5. Stick with the same job for as long as you can.  Jumping from one job to another during a year is a sure fire way to lose your chance at the home of your dreams.  Lenders want to see stability and staying with the same job for a few years will show them that. 

These New Year resolutions, if you do your best to keep them, will do their part towards helping you to purchase the home you have always dreamed about.  

Courtesy of Chester County PA Realtor Scott Darling.

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