• Resolutions to Make If You Want to Buy a Home in 2018

    resolutions to buy a home

    Is one of the New Resolutions you made about buying a home? One of the most important factors which could make the home purchasing process a lot easier is to plan ahead of time. When you do so, you will be able to understand the process and choose the home which suits you the most. Planning well ahead of time also helps to discover some shortcuts which could be used in the home buying process. Here are some resolutions you should make to buy the dream home you always wanted.

    Resolution 1: Decide Exactly What You Want

    deciding what home to buy
    The very first and the easiest step is to decide what you actually want. You should be able to determine the where, when and what about this purchase. Some questions you should ask yourself are as follows:

    i. What type of house do you want?
    ii. What area would you like the house to be located in?
    iii. When would you want the purchase to be finalized?

    Because buying a new house is an extremely serious commitment you should definitely spend a lot of time in thinking about the whole process before making a decision. Choose a house in which you will be happy for several years to come.

    Resolution 2: Get Your Finances in Order

    saving to buy a home

    Once you know what exactly you are looking for, it is time for you to get realistic about what you can actually afford. How much money have you set aside for the down payment? What is your monthly budget for the mortgage going to be? Do you have the amount required for closing taxes and costs? Is your financial position stable? There are very few people who can purchase the house using cash. Therefore, start planning on getting a loan as well. Which leads us to our next resolution.

    Resolution 3: Get the Pre-Approval Before You Begin To Look for Houses

    get preapproved to buy a home
    Pre-Approval means speaking with a loan officer to have your credit files reviewed and getting the approval of the loan officer before-hand. If your loan officer believes you qualify for the given loan amount only then proceed to apply for a loan. Based on your income, debt, and other information, the lender is going to provide you with the pre-approval letter, which will effectively show your borrowing power.
    Even though it is not the final loan approval, these preapproval letters will be used to show that as a home buyer you have the ability to move forward with a home purchase successfully and is generally required to submit an offer on a home. This information is extremely important for homeowners as they are unlikely to accept offers which are probable to fail due to the finances. Loan officers are going to be very carefully reviewing your financial situation which includes your credit reports and other information and then s/he will suggest programs which meet all your requirements.

    Resolution 4: Use a LystHouse Real Estate Agent

    lysthouse real estate agent
    Purchasing and selling property is a highly complicated process. Even though at first it might seem that you can find the correct home by simply by searching for homes online ; houses differ, and so do the contract terms and conditions, finance options, inspection requirements and also the closing rates. This is where you would require the help of a LystHouse real estate agent. A LystHouse real estate agent has information about the in’s and out’s of the industry and knows how to effectively deal with the home seller to get you the perfect house in the price range you have. The best part is you’ll save money buying a home with a LystHouse real estate agent because LystHouse give .5% CASH BACK to first time home buyers. For those that are selling and buying, you sell for FREE when you buy your next home with LystHouse that saves you 3% on the sale side.

    By choosing and opting for the above mentioned real estate resolutions, you might be able to purchase the dream house you have always wanted in 2018!

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  • The Difference Between FHA and Conventional Home Loans

    the difference between conventional and fha home loans

    There are a lot of different questions regarding the conventional mortgage loans from those who want to buy a house. They often question why conventional loans are so much harder to get than the FHA Home Loans. Another frequently asked question is regarding the major differences between the FHA Home Loans and the conventional home loans.

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  • 9 Gift Ideas for New Homeowners on Your Holiday List

    happy holidays

    Buying a home is a big deal, whether it’s your first one or your fifth. There are so many things to buy, clean, paint, remodel, and more. If you have new homeowners on your holiday list, you might be thinking of ideas of ways to give them what they actually might need.

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  • The Best Time to Buy a House (SPOILER ALERT) …. It’s NOW

    winter mid century modern home for sale

    Home sales mostly tend to rise with the temperature. Summer and spring are historically supposed to be two of the best times to consider buying a house. The weather is comparatively warm, the inventory high, and the school year is slowly winding down. However, those who purchase the house during these peak buying seasons will also have to face more competition and even higher prices. On the other hand, all the home buyers who can brave the cold weather might be able to benefit in numerous ways by buying a home now.

    Even though winter home buyers are generally going to come across a small inventory, they have a noticeable advantage as they would have a fierce competition to face. Furthermore, in January the prices are supposed to be at their lowest. In 2019, with the mortgage rates likely to increase, there are numerous reasons why January is considered the best time to buy a house. Following are some reasons why you should purchase a house in January.

    The spring of the home selling season begins at the very beginning of the year which is January. Right after the very first day of the year, there is a sudden burst of activity from those people who have been waiting for the holiday season to end. It is this time of the year when people start to post about home listing and the prices are comparatively lower.

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  • Negotiating Tips That Every Homebuyer Should Know

    negotiation

    As the old saying goes, in real estate, everything is negotiable. However, when we think about it, is it really?

    When you go to purchase a house, the one thing you are looking for is competitive pricing and terms. To achieve this, you need to understand when to begin the real estate negotiating process and when to stop. This begins with you being familiar with the real estate market, and also with the area.

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  • Winterizing Your Home to Save Money On Your Energy Bill

    winterizing your home to save money on energy bills LystHouse

    The first freeze over here is a sign that winter is definitely coming. ‘Tis now the season to crank up your thermostat. Unfortunately, this might even cost you more than normal. This year, Americans will supposedly pay 15% more for their heating expenses than the last year. Here is our guide to help you winterize your home for the season.

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  • Home Remodeling – DIY or Hire a Pro?

    should you remodel diy or hire a pro flyphouse

    When it comes to investments, it’s hard to find something as important as your house. It’s likely your biggest investment, but it’s also the one where you live and spend so much of your time. Keeping your home in good condition carries many benefits.

    That means remodeling and renovating your Dallas home can provide benefits to you and your family. However, this is a major undertaking that could backfire if you’re not careful. (Consider what a failed remodeling project to your kitchen will cost to repair.) In addition, you have to decide whether to do it yourself or hire professionals instead. Which is best? It depends on you and the project you’re tackling.

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  • The Best DIY Halloween Decorating Ideas

    the best DIY Halloween Decorating Ideas

     It is finally here – Halloween is almost upon us, my dear spooky friends!

    Whether you catch the DIY Halloween bug from designing homemade costumes for your children, putting together funky home decor pumpkins, or getting crafty for the first time, the following Halloween decorating ideas make it simple to inexpensively trick out your house for the holidays without looking tacky.

     

    halloween

     

    Boo Bottles

    You can make cute glass bottles in four easy steps: first, use empty bottles after removing labels and caps (I use Perrier ones). After that, spray-paint them white, and draw ghost faces on them with black marker. Lastly, to add more gloss to this inexpensive Halloween home decor, throw in colorful straws for artful centerpieces.

    boo bottles

    What you will need: Spray-paint ($4), colorful straws ($3)

    Cobweb Coasters

     

    Cups will look creepy when sitting on your eerie cobweb coasters. To make this DIY Halloween decoration, attach five bobby pins onto a small flat metal washer, and then, enfold twine around and string through each bobby pin. Also, spray-paint everything white for a ghoulish look, and disperse small toy spiders around the table. It is a fantastic idea to have fun crafting with the family without breaking the bank.

    cobweb coasters

    What you will need: bobby pins ($4), Spray-paint ($4), small Halloween spiders ($2 for 10)

    Vampire Napkin Rings

    A make-believe chomper will make your dining table look scary yet cute. Therefore, splash red Kool-Aid on white cloth napkins, arrange a white twist tie through a set of fake vampire teeth, and secure a twist tie around the center of the napkin.

    vampire napkin rings

    What you will need: plastic vampire teeth ($1), Kool-Aid ($0.50)

    Creepy Wall Hangings

    The Graphics Fairy makes decorating for Halloween simple with three free printable items and easy technique to transfer images directly onto fabric through your regular printer. (Make sure your black cartridge is high on ink). You can use wooden embroidery hoops to hang the printed fabric. However, if fabric-hanging home decorating idea does not resonate with you, put pictures into the frames and hang them up around your home.

    freaky frames

    What you will need: Wooden embroidery hoops ($2)

    Decorate Lanterns

    It is got to be the most straightforward DIY Halloween home decor concept: all you need to do is to cut cute faces out of a black paper and glue them onto a strand of white lights with paper lanterns.

    lanterns

    What you will need: lanterns ($11), black paper ($3)

    Festoon a Pumpkin

    You can add a touch of sweet in the mirage of all things spooky by adding freshly cut blooms to a blazing pink squash. It is permissible to snip stems about two inches from buds, drill tiny holes in the painted rind, and stick in the buds. You can keep the centerpiece fresh for the guests by periodically spraying water on it.

    festoon a pumpkin

    What you will need: pink spray paint ($8)

     Dish Out the Punch

    Convert a hollowed-out pumpkin into an organic punch bowl by filling it with cider. It is a fantastic idea to greet your guests with a punch, oozing with the spirit of the holidays. Moreover, it is one less dish to wash after it is all said and done.

    pumpkin punch

    What you will need: ladle ($10), pumpkin scoop ($10)

    Dress the Windows

    Another smashing Halloween home decor idea is smartly putting candles in the corners to create dark shadows. Moreover, putting ghostly white tapers in a candelabra from a yard sale can alleviate the creepiness of flying bats and cobwebs.

    dress the windows halloween

    What you will need: candelabra ($40), candles ($10 for a pack of 10)

    Forever Pumpkins

    For budgeted jack-o-lantern, DIY Halloween decorations that will last past the holidays cover empty jars with orange tissue paper or construction paper. After that add features with black construction paper and place in a tea candle—with flames, or battery-operated—and see your pumpkin glow.

    forever pumpkins

    What you will need: Construction paper ($4), tealight candles ($1)

     

    Bloody Table Runner

    No Halloween home decor is complete without a bloodily festive dining table. Your materials are red acrylic paint, gauze, and a paintbrush. Swab your paintbrush into the paint and intermittently brush along the gauze runner. Also, for a genuinely Dexter-inspired look, pinch some red paint onto Mason jars for candle votives and on plastic cups. Lastly, add a couple of handprints for really gruesome look.

    halloween table runner

    What you will need: red acrylic paint ($9), paintbrush ($1)

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  • What is the Difference Between VA and FHA Home Loans?

    difference between va and fha home loans

    Wondering “what’s the difference between VA and FHA home loans”? The Federal Housing Administration (FHA), which is a branch of the U.S. government, guarantees FHA loans. On the other hand, a subdivision of Department of Veterans Affairs, namely the Veterans Benefits Administration, ensures VA loans. It is pertinent to mention that everyone can qualify for an FHA home loan, but only active or retired veterans are eligible for a VA home loan.

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  • LystHouse OfferNow

    OfferNow

    LystHouse OfferNow is a home buying option for home buyers who want to instantly make an offer on a home. In just a few clicks, home owners are able to make an offer with a licensed real estate agent. The instant offer is provided to the home buyer at no cost or obligation to buy. After a home buyer puts in their information, they will be contacted by a licensed real estate agent to verify and confirm information and answer any questions the home buyer may have. Next, LystHouse will reach out to the sellers and let them know that an offer is on its way for their review. Then the offer paperwork is electronically drawn up and sent to the home buyer to digitally review and sign before it is presented to the seller. Not a home buyer? We have answers for home sellers and investors too!

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