Consumer Guide: Ten Questions to ask a Buyer's Agent

In uncertain times, it can be easy to sit back and worry your time away hoping things will work out eventually. Although worrying will absolutely give you something to do, it won’t get you anywhere. So if you’ve been wanting to buy a home or refinance this year, don’t discount the possibility just because your income may have dropped. It’s true that qualifying for a mortgage is getting trickier for many potential borrowers, but you still have plenty of options and opportunities for a home loan.  

There was a time when metal roofing was largely reserved for use on shop buildings or certain businesses. These days, however, you’ll see metal roofs on almost any sort of structure, including a wide range of home styles. If you’re in the market for a new roof, you might consider going metal. Before jumping on the metal bandwagon, however, here are a few things that you should know about metal roof installations and how to tell if a metal roof is right for your home.

Moving day, just imagine it: The sun is shining, the weather is just perfect, and you’re about to close one chapter and open a brand new one. There’s so much possibility ahead! Although it may be exciting and full of promise for you, moving can be a terrifying event for your pets, even if you’re just moving down the street. Fortunately, you can take a lot of steps to protect your furry, feathery and scaly pals in these high stress times.

Your Moving Day Checklist: Pet Edition

Whether you’ve got a dog that you love, a cat that’s a handful or a flock of chickens, moving with animals takes patience and attention to detail in order to help them get through the process with the least amount of stress possible. Remember that your pet doesn’t understand what’s happening and that the noise, strangers and general chaos can be terrifying for them. Before you so much as begin to pack, it’s important to consider what’s going to happen with your pets during your move. Here are some things you can do to keep them safer and happier during the whirlwind that’s to come:

Start practicing now

It’s likely your pet will need to be confined to a crate, bathroom or other safe space so that the door can be left open to move things out. Before the move starts, you can begin to get them used to the idea of being confined. Start by staying in or near the space with them and rewarding them when they relax (this could take some time at first, so be patient). As they get better at being confined with you, go farther and farther away, and for longer periods, rewarding them as they adjust to the situation. Getting your pets used to being confined like this can help prevent injuries to them should they frantically scramble to escape, and can help you better see what kinds of things in those spaces may be potentially dangerous when they’re left unattended on moving day.

Ask your vet

Your vet has all kinds of things in their dispensary for these one-time highly stressful events. They can make a specific recommendation based on your pet’s history and particular panic buttons, and also give you more behavioral tools to your own toolbox to help your pet cope. Absolutely ask your vet for help before you even book a mover or a moving truck.

Take frequent breaks

If you can, stretch your move out over a few days or a week so that your pets can have a breather from their safety spot. Depending on just how much there is to move, it’ll be easier on you, too. For example, you might move a lot of boxes on Monday, take the small appliances over on a Wednesday and then move the furniture on Friday. Giving your pet some time to shake off the stress will make the move a lot easier for them.

Consider a pet sitter

Longer moves may require you to be away for a while, which turns an already stressful situation into a potential for real trouble. A pet sitter will help fill your shoes while you’re moving, or while you’re taking care of getting the new place cleaned up and ready to go if your pet is very prone to stress in new situations. Just make sure to introduce the pet to the sitter ahead of time so they can get to know one another.

When it comes time to list your home, you’ll want to come up with a list of small repairs and other tweaks that you can do to try and get the most out of your property. If you don’t make a list, you might miss things that could bring down what potential buyers are willing to pay for your home. While there might be a lot of things to consider depending on the specifics of your home, here are some items that you should definitely double check before putting up a listing for your property.

The Paint

How do the walls in your home look? If it’s been a few years since they’ve seen a coat of paint you should probably consider giving them a fresh coat. This is especially true if previous work was done in a hurry or has obvious spots where patches were done and covered up with newer paint. A sloppy or mismatched paint job will turn off a lot of potential buyers since they’ll likely see it as a task they’ll need to undertake as soon as they buy the house.

Roofing and Siding

While you’re considering things that might be a big red flag for possible buyers, step outside and take a look at the siding, brickwork and roof. Even if you only have a few problems out there, to someone looking at the house, that could raise questions about leaks, insects and other issues the buyers might face in the future. If you want to get the most out of your home, then it’s worth replacing broken shingles or fixing bits of damage or discoloration on your home’s exterior.

Faucets and Plumbing

Leaks, drips and other plumbing issues are pretty common, and it’s easy to get used to them over time. If someone is shopping for a new home, however, a notable drip from a faucet or evidence of a leak can be big warning signs. Nobody wants to pay full price for a home if they might be facing water damage in the near future, so taking care of any drips or leaks, as well as stains that they might have caused, is a great move to make before you list.

Landscaping

Sometimes it’s tempting to not worry too much about the landscaping when listing your home. If the landscaping has obviously been ignored, though, it may leave potential buyers wondering what else hasn’t been taken care of. Even if you just spend a little time trimming up the shrubs and eliminating some unsightly weeds, you can make a big difference on the first impression made to someone considering a purchase.

Clutter and Trash

Just as with landscaping, having clutter or other trash around can make a really bad impression when someone is looking at your home. There may be good reasons why things look a bit cluttered, but a potential buyer isn’t going to know what they are and quite likely won’t bother to ask. Take the time to straighten up and get rid of the garbage before your home goes on the market.

Obvious Repairs

There are many other small repairs that are worth making before your home gets listed. Any little bits of damage or discoloration should be evaluated to see if they can be repaired. While you may not have the time or budget to fix everything, you should still attempt whatever repairs you can. Your home obviously doesn’t need to be perfect, but the better it looks the higher the eventual closing price will be.

Buying a lake house can be a great investment, regardless of whether you intend to use it as a vacation property or a year-round residence. With that said, you shouldn’t rush into buying a lakefront property just because it’s available. As with any house, there are some things that you should think about before you sign on the dotted line. Here are a few specific considerations you should keep in mind when looking at a lake property that’s for sale.

High Moisture Levels

One of the first things that you’ll notice is that there’s more moisture in the air close to the lake. Higher humidity can be unpleasant during the summer, but it also can have a negative effect on your property as a whole. Mold, mildew and other humidity-related damage can occur over time, so it’s important to make sure that properties you consider were built and furnished with this in mind.

High Water Table

Because the property sits close to the lake, you’re going to have a higher water table than you would with more landlocked properties. This isn’t necessarily a bad thing, but if the property has a basement or other underground area then you need to see what effects the water table has on those areas. Keep an eye out for leaks, flooding, cracks or mold that might be a result of the water table being higher than usual.

Lake Access

Having a home close to the lake is nice, but it becomes significantly less nice if it doesn’t offer you lake access that meets your needs. If you have a boat, see if you’ll have easy lake access from your property or if you’ll have to get on the water somewhere else. Likewise, if you just want peaceful evenings to watch the sun set over the water, make sure that there isn’t a busy lake access point or marina close to your property.

Inspect the Water Line

There’s more to consider when buying a lakefront property than just the view. Take the time to walk along the water line and see what sort of shape the shore and the nearby water are in. Look for signs of erosion in the shoreline and yard and see whether the water itself is choked with weeds or other plant life. You should also look for signs of debris or other indicators of how high the water tends to get when the lake is swollen from rain.

Take a Deep Breath

A lake house can be a feast for the eyes, but those aren’t the only senses you’ll experience your lake property with. Lakes often have a distinctive smell, and in some cases, it can be pretty strong. A little bit of lake odor is usually pretty easy to overlook, especially if your house is set back from the water a bit. For some lakes, though, it can be almost overpowering, especially during the summer months when you’re most likely to want to be out on the lake. Before you buy, make sure that any odors from the lake are tolerable not only for you but also any guests that you might want to invite out.

Check on Your Insurance

If you’re buying a lakefront home, you may find that it costs more to insure than a property that’s more inland. In some cases, the insurance can cost substantially more. That’s not even counting flood insurance or other disaster-related policies that you’ll likely want to take out. Just make sure that the cost of insuring your new lake property isn’t going to be more than you can really afford to take out.

Find the Perfect Lake Property

It can take a lot of searching to find a lakefront property that checks all of your boxes. Fortunately, We are here to help. Contact us today to for professional Real Estate assistance!  

One of the biggest problems that many homeowners face is finding enough room to store all of their things. Some seek to solve this problem by adding a shed or other external storage solution, but not everyone has the room to add another building to their property. Others tackle the issue by renting a storage unit, but that means you have an ongoing cost and have to actually leave home to access your stored belongings.

There is another option, however: the attic. Whether you need additional storage space or could really use an added office space or bedroom, partially or fully finishing your attic could go a long way toward solving your space needs. If you haven’t considered converting your attic into usable space before, here are a few things that you should keep in mind while planning your project.

Making Use of the Attic

You have a few different options when it comes to making better use of your attic space. The most basic option is to simply add minimal flooring to the attic area so that you can place boxes and storage totes up there and keep them out of the way. To improve storage organization, you can also opt to add shelving to walls or free-standing shelving units to make sorting and accessing your things easier.

If you want a more functional room, you can take things a step further. Instead of simply adding some basic flooring, create a more finished room by adding a subfloor and then applying carpet or some other flooring such as laminate on top of the base floor. You can also add sheet rock or similar materials to make slanted walls. You can even build vertical wall spaces to square off the sides of your room. This can be useful to make space for more shelving areas, or if you want to convert the attic to a bedroom, office or other functional room.

Attic Access

One important consideration when converting your attic is how you plan on accessing it. If you’re just using it for storage, you may be content with a pull-down ladder so that you can access the attic when you need to and leave it closed when you don’t have a need for it. If you’re making the attic into a functional room or plan on accessing your storage often, however, a permanent staircase might be a better option. You can even wall in the staircase if you want to so that you can place a door at the bottom of the stairs to limit access.

Adding Electricity

Regardless of whether you’re just adding some basic flooring or converting the attic to a fully functional room, you’re probably going to want electricity. At a bare minimum, having access to lights is going to be very useful in your converted attic space. If you want to make the attic into a functional room, you’ll need to add electrical outlets so that you can plug things in as well. When wiring the attic, the room should be wired to its own breaker so as not to interfere with other rooms, and the lights may need their own breaker as well.

Heating and Cooling Concerns

Don’t forget to take heating and cooling into consideration when making your attic plans! Even if you’re just using the space for storage, some items can become warped or otherwise damaged if they get too hot. You may need to tie your attic in to your existing HVAC solution, or at the very least you’ll want to add stand-alone air conditioner and heating options within the converted attic space.

When you own your own home, there are a lot of small repairs and similar tasks that you’ll have to do at some point. You may also want to tackle some DIY projects or make some changes around the house from time to time. Regardless of what’s going on, you’re going to need some tools to get things done.

Which tools should you get, though? A lot of homeowners opt for basic premade tool kits but find that they don’t always contain everything that they’ll need for various home repair and improvement tasks. Whether you’re thinking of getting a kit or wanting to build your own tool collection from scratch, here are some of the basics that you should make sure that you have.

Measuring Tools

One big thing that you should always have around the house is a few tools for measuring things. The most obvious tool for this is a tape measure, but there are a few others to consider as well. Pick up a level (or two, in different sizes) and a carpenter’s square so that you can always tell when something is level and when corners are actually squared off. A stud finder and a plumb bob should also be in your collection.

Hammers

When it comes to hammers, most of the time you can get by with just a standard claw hammer. Picking up a rubber mallet to supplement your tool collection isn’t a bad idea, though, especially if you plan on working outside or want to go camping. There are a few other specialty hammers that you might have specific need for, but you should only pick one of those up if you actually need it.

Screwdrivers

Despite what most people think, screwdrivers aren’t a one-size-fits-all tool. You should have both flathead and Phillips head screwdrivers (and star and square head screwdrivers wouldn’t hurt), and ideally you should have at least two or three different head sizes to accommodate different screws. While the wrong size driver head will often work, you can damage both the head and the screw by not matching the tool to the job. Picking up a screwdriver with interchangeable head bits is a great way to make sure your needs are met.

Wrenches and Sockets

You’ll almost certainly run into bolts at one point or another, and having a wrench and socket set will ensure that you have what you need to handle them. Get a decent wrench set and a decent socket set, making sure that you have both metric and imperial options. In most cases you can find a tool set that includes both, along with Allen wrenches (which are sometimes called hex keys); get that set, since it’ll cover you on all three fronts.

Pliers and Channel Locks

There are a few different types of pliers and adjustable wrenches out there, and it’s hard to say exactly what you’ll need from the beginning. Having a set of channel-lock pliers, a good adjustable wrench or two and both basic and needle-nose pliers will meet your needs most of the time. You may run into a few instances where you need more specific tools such as a pipe wrench as well, but that’s not a must-have when you’re still building a tool collection.

Clamps

Locking clamps or adjustable clamps are great to have; even if you don’t use them very often, they’ll be more than worth it in those instances where you actually need one. Other fasteners such as zip ties are also good to have on hand. If you’re planning on getting into woodworking or similar DIY projects, then you might want to pick up some extras.

Other Tools

There are a many other tools that you might consider, though whether you need them will depend on you and the sort of work you plan to do. A drill with a basic assortment of bits is good to have, and an electric sander can be useful on some jobs. Utility knives, wire cutters and other cutting tools can be handy as well. You may even find a need for a table saw or other larger power tools. Just make sure that you have a good reason for bigger purchases to keep from buying things you won’t actually use.

Whether you love mowing the lawn or hate it, it’s a job that needs to be done. As with most things, though, there’s a difference between doing it and doing it well. Part of the problem might be how you’re caring for your lawn. If you haven’t put much thought into the specifics of yard care, here are a few things to think about. Changing how you think about mowing the lawn can have a big impact on the lawn itself, and your grass will thank you for it.

Prep Your Mower

Too many people approach the beginning of the mowing season the same way that they do the entire rest of the season: they put some gas in the mower and go. This is a good way to damage your lawn and wear out your mower at the same time. Start each season with an oil change and fresh gas, and check your mower blades for cracks, dullness or other signs that they need to be sharpened or replaced. Keep an eye on your grass as you mow; if it’s becoming ragged, this is a sign that your blades are getting dull again. Even a little bit of mower maintenance will make the cut easier on your lawn and keep your mower running in tip-top condition.

Learn Your Lawn

A lot of people think that grass is grass, but there are actually a lot of differences between grass species. Take a little time to find out what sort of grass you have growing in your lawn. Once you know what kind of grass you have, you can learn the seasons when it actively grows, what sort of water and fertilizer needs it has, and even details about how it should be cut. If you need to reseed part of your lawn, knowing the existing grass type will also ensure that you get the right type of seed so that everything matches.

Cut to the Right Height

If your lawn is going to flourish, the grass needs to have enough blade area to absorb sunlight to meet its growing needs. Cutting it too short can damage it, causing the grass to wilt or brown, in some cases even killing off patches. As a general rule you’ll often hear that you should leave around 3 inches of grass when you cut, but this can vary depending on the type of grass you have. If in doubt, you can set the blade height between the 3-inch to 3 ½-inch mark to be safe, but you’ll have much more control over your lawn if you learn the grass type and find the optimal cutting height based on that.

Mind Those Clippings

It’s usually best to leave your clippings on the ground, as they provide much-needed nutrients to the lawn as they decompose. If you don’t like the look of them, consider a mulching blade and guard for your mower to ensure that they get cut into smaller pieces, or make multiple passes over the same area. The main exceptions to this are the first and last cuts of the year; in those instances, your lawn will do better if you bag the clippings instead.

Adapt Throughout the Year

One important thing to keep in mind is that grass is a living thing and grows differently depending on the time of the year and the local weather conditions. During the heat of the summer, make your lawn more drought resistant by adjust your cut height up a little; this gives the grass more blade area to collect dew on. In early spring and into the fall, cut less often to avoid shocking the grass. Even the direction of your cuts is important, especially if it’s been raining a lot; to prevent damaging the grass or compacting the soil too much, change direction every two or three cuts, switching to a cutting pattern around 90 degrees off from what you’ve been doing.