Waypoint Realty Group LLC



Posted by Waypoint Realty Group LLC on 4/18/2019

Family bonding moments are precious and something you should take for granted. They are essential to developing lasting memories with your children before they move into those stubborn teenage years. Getting kids to take part in activities can sometimes overwhelm, but it's much easier when it suits their interests. Here are a few fun projects to do with kids and enjoy the best family moments.

  1. Decorate a cake Baking is one of the fun things to do with kids and other members of the family. Don't worry about your baking expertise, buy a book with the right instructions and get started. The fun increases when it's time to decorate the cake. Allow the kids to get creative no matter how disorganized the decoration looks. The aim of this activity is not to make a picture-perfect cake but to bond and share laughter.
  2. Crafts Crafts are a popular choice among parents because kids seem to get so interested in creating something. The materials you would need are always simple and depend on the crafts you want to create. Look for ideas at your local craft store or even take a course together. You can stimulate young DIY-ers by participating in a weekend class at your local hardware store.
  3. Board games Playing board games is something everyone in the family can enjoy. A game of Scrabble or Monopoly not only provides bonding moments and memories, but it also teaches children teamwork, problem-solving, and decision making. The children's attention span for board games may be short, so keep them interested with the promise of a reward.
  4. Look at the stars at night Simple, yet enchanting and beautiful, stargazing is a great bonding time. Set out a few minutes after dinner to sit in the yard or lay on the grass and see the stars. It is an excellent time to tell stories, share experiences, and take in some fresh air. Make it a part of the family schedule periodically.
  5. Movie night Watching movies together never gets old so long as you watch something that everybody loves. You can try classic films or recent ones that the entire family will excitedly anticipate. Take turns giving each family member the opportunity to choose the video of the week.
  6. Plan a treasure hunt A treasure hunt shouldn't be a cliché or a predictable game. With older kids, you can step up your game to suit them. Make treasure hunts an exciting family affair with a worthwhile treasure. Create a challenge and don’t make it too easy.

Waste no more time in creating bonding moments with your family. To make great memories in your neighborhood, invite your neighbors to join you, especially if you're new to the community.




Categories: Uncategorized  


Posted by Waypoint Realty Group LLC on 4/11/2019

If you’re trying to sell your home, there are many things you need to think about. One of the reasons that it’s wise to hire a realtor is that they can handle a lot of the difficult stuff for you. From home showings to phone calls to sealing the deal, your realtor will be with you every step of the way. 


One thing that you can do to help your realtor out is trying to avoid things that will scare off buyers in your home. While some things are out of your control (we’re looking at you radon), you can check and remedy a lot of problems before a buyer even sets foot in your home.


Leaky, Aging Roof


Roofs last around 20-25 years. If it’s been forever since you have paid attention to your roof, you’ll need to take a second look before selling. Your buyer is going to either ask for some kind of rebate or go for a home with a newer roof. Roofs are one of the things that home inspectors often see the most problems with.  



Outdated Gutters


If your gutters are in disrepair, you might want to have them cleaned or replace them altogether. Faulty gutters are often what causes problems with the roof. If rain water or snow melt can’t properly drain from the gutters, more leaks may be found in the home.  


Old Appliances


If your appliances are outdated, consider replacing them. Buyers don’t want to move into a new home only to need to head out to buy a new refrigerator, range, or dryer. Buyers like things to be ready for them, and they’re willing to pay for it. You’ll definitely get a return on your investment when you buy new appliances.    


Outdated Or Neglected HVAC System


It’s important to keep up with regular maintenance when it comes to your heating and cooling system. Keep it clean and keep regular maintenance appointments. These systems are costly to repair and buyers do not want to deal with these issues immediately (or ever if they could avoid them!) Get the HVAC system serviced before you put a for sale sign out front to keep your buyers happy throughout the inspection and sale process.   


High Price


Your realtor will be a big help in assisting you to price your home right. They will perform a CMA (comparative market analysis) in order to help you find the sweet spot for pricing your home. An overpriced listing will make buyers wonder. A property must be priced right in order to get buyers through the door to even look at the home.




Categories: Uncategorized  


Posted by Waypoint Realty Group LLC on 4/4/2019

It’s always a goal in life to be happier in our jobs and make more money. When it comes to buying a home, your job status can have a big effect on whether or not you’ll be able to buy a home or not. You will be able to buy a home using a new source of income. Even refinancing can be a breeze when you have a new job and the right knowledge. 


Many people believe that changing jobs or having gaps in between employment is a certain type of black hole when it comes to getting a mortgage. However, if you approach all of the changes in the correct way, you should be able to land the mortgage deal and secure a home.


Average Income


One of the most important numbers that your lender will calculate when you’re buying a home is that of your average income. This will be based on the pay that you had earned in the past 24 months‘ time. If you have had the same job and pay, this won’t be much of a big deal, However, if any of these things have changed (or will soon change) your lender may have some questions. This doesn’t mean that your mortgage application will be struck down completely. 


Information That’s Needed In The Event Of A Job Change


If you have recently changed jobs in the process of trying to refinance or buy a new home, your lender will need a few pieces of information from you. These items include:


  • An offer letter for the job
  • A role or title change letter (if applicable)
  • Compensation package change confirmation
  • Verification of employment
  • Most recent pay stub


Hourly Employees


If you’re an hourly employee, unfortunately, you’re under the tightest type of scrutiny when it comes to applying for a mortgage. Your income will be averaged for as long as you have been an hourly employee. If you work full-time, this won’t be too much of a problem. If your hours fluctuate from week-to-week, this can make things a bit more complicated.


If your hourly rates have recently gone up, you’ll need a bit of info from your employer to help you get the income verification that your lender needs. These items include:


  • An offer letter
  • Recent pay stubs
  • The new compensation structure or offer

If you have any sort of extenuating circumstances like a relocation or a new position, this information can help to bridge the gap in any information that just doesn’t add up as far as your employment history goes. 


Salaried Employees


If you’re a salaried employee, things are a bit simpler. Your lender will have a much easier time calculating your average income. The only issue that you may encounter is if you have had a gap in employment. For this, your lender will require a written explanation of what occurred during that time period.  

 

Lenders want to protect themselves, but in a way, they also want to protect you from getting in over your head with how much you can afford for a home. With some proof and a little explanation, you should be able to get a house you can afford if you have all of the information that you need to back up your financial history and employment history.




Categories: Uncategorized  


Posted by Waypoint Realty Group LLC on 3/28/2019

If you’re a first time homebuyer and want to start weighing your mortgage options, you’ll have much to learn. With so much at stake, you’ll want to make sure you choose the best mortgage for you now, and one that will still suit your needs years into the future.

Sometimes, first time buyers are hesitant to ask questions they may consider too basic because they don’t want to seem inexperienced to lenders, agents, or anyone else they’ll be in contact with throughout the home buying process.

So, in this article, we’ve compiled a list of commonly asked mortgage questions that first time buyers might want to ask before heading into the process of acquiring a home loan.

What is the first step to getting a mortgage?

This question may seem straightforward, however the first step can vary depending on your financial situation. For those who already have saved up for a down payment and built a solid credit score, the first step is probably contacting lenders and getting preapproved or prequalified.

However, if you aren’t sure about your credit score and haven’t saved up for a down payment (ideally, 20% of what you hope to spend on the house), then you should address those matters first.

To find a lender, you can do a simple Google search for the mortgage lenders in your area, or you can ask around to friends and family to find out their experience with their own mortgage lenders.

What does it mean to be pre-qualified and pre-approved?

If you think of the mortgage process in three steps, the first step would be getting pre-qualified. This means you’ve given the lender enough basic information for them to decide which type of mortgage you’re eligible to receive.

Pre-approval includes collecting and verifying further details. At this step, you’ll complete a mortgage application and the lender will run a credit check. Once you’re pre-approved, your file can be moved to the underwriting phase.

What are closing costs?

“Closing costs” is an umbrella term that covers all of the various fees and expenses related to buying or selling a home. As a buyer, you are responsible for paying numerous closing costs. These can include, but are not limited to, underwriting fees, title searches, title insurance,  origination fees, taxes, appraisal fees, surveys, and more.

That sounds like a lot to keep track of, however your lender will be able to give you an accurate estimate of the total closing costs when you apply for your loan. In fact, lenders are required to give you a list of these costs within three days of your loan application in the form of a “good faith estimate” of the closing costs.

What will my interest rate be?

The answer to this question is dependent upon numerous factors. The value of the home, your credit score, the amount you put down (down payment), the type of mortgage you have, and whether or not you’re paying private mortgage insurance all factor into the interest rate you’ll receive. Interest rates also will vary slightly between lenders.

You can receive a fixed-rate mortgage that does not fluctuate throughout the repayment term. However, you also typically have the option to refinance to acquire a lower interest rate, however refinancing comes with its own costs.




Categories: Uncategorized  


Posted by Waypoint Realty Group LLC on 3/21/2019

Whether you're just doing a seasonal cleanup or you're clearing out in preparation to move, sorting through your things might seem challenging. There are, however, several things that you really are going to have to think about. Just get rid of them. NOW!

  1. Condiments. When your fast food, take-out, or delivery habit leaves your refrigerator cluttered with soy sauce and mustard packets, it's time to do some sorting. And it's not just those pesky little packages that can burst open in unexpected places. You probably have a cache of plastic utensils filling up drawer space too. Find a way to organize them or toss them out.
  2. Prescriptions. Whether you no longer need it or it’s past its date, keeping old medicine in the cabinet not only takes up space, it poses a risk to family members. Before you just flush them down the drain, though, follow the advice from the FDA on drug disposal.
  3. Unmatched socks. So, your dryer (or washers) eats socks. At least, that's the theory because you knew you put a pair in and only one came out. The sock monster strikes again. In some homes, this phenomenon results in piles of mismatched socks, and there's no reason to hang on to them. Turn them into dust mittens, cut them up for crafts, or toss them. 
  4. Paint. Saving a small amount of paint for repairs and touch-ups, if stored properly in an airtight container, is a great idea. But keeping partial cans of colors that you probably won't ever use before they dry up is just a waste of space. And remember, paint fades over time, so you may not be able to use a bright color for those patches anyway. Paint is considered hazardous waste, so you shouldn’t just toss it in the trash bin. Contact your trash company for advice on where and how to get rid of leftover paint and unusable supplies.
  5. Old spices. No, not the cologne. Kitchen spices lose their savor and can ruin a great dish if used after their expiration date. Of course, not all spice jars have dates on them, so a general rule of thumb is two to three years. Spices last longer when kept in a dry environment such as air-tight containers that are closed up properly after each use. Often, you'll find that half the spices that came on that decorative spice rack are not items you use in your culinary masterpieces. If you haven't used them in a year, donate them. If it's been more than three years, toss them. 

Even if you're not prepared to sell just yet, including these clutter busters into your routine will keep things under control so that when you're ready to make a move it'll be hassle-free. When you are ready, ask your real estate or moving professional about other ways to quickly bring order to chaos.







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