Waypoint Realty Group LLC



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 itís 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 shouldnít 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.





Posted by Waypoint Realty Group LLC on 3/14/2019

Refinancing your home can have many benefits. First, youíll be able to take out money to address immediate needs in your home like improvement projects. These things can only benefit your homeís value in the long term. Before you take the leap to refinance your home, you should be sure that youíre actually ready to take this step. Knowing what youíre in for allows the entire process to go more smoothly. Read on for tip to understand more about the refinancing process and what youíll need.


Know Your Finances


Just like when you initially purchase a home, refinancing your home will require you to have your finances in order. Take a look at your budget and needs and determine if it makes sense for you to refinance your home. For example, your employment status or distance from life goals like retirement could have a factor on the term of the loan youíre willing to take out. A 15-year mortgage may make more sense than a 30-year mortgage, but your monthly payments will also be a bit higher. You need to take all of this into consideration before you refinance. 


Your credit score will also be a factor in refinancing your home just as it was when you initially bought your house. Check your score and see if any red flags pop up. Getting these corrected earlier rather than later can help you to get a better rate on the loan. There are plenty of free services that exist online that allow you to check your credit score.   


Know The Value Of Your Home


If you know the value of your home and understand how much equity youíve built up in the house, it will give you a better idea of your refinancing options. You canít get more than 70% of what your home is currently worth as a cash-out refinance. If you owe more than your home is worth, you might be in a tighter financial situation than you realize. You can do plenty of things to increase the value of your home; it will just take some time. You may even consider selling your house, making a move, and starting from scratch. Financially, this could be the best option, and you could also end up with a better interest rate.


Getting your finances in order and the simple act of preparing for a home refinance could give you some insight into your financial picture after being a homeowner for some time.


Stay out of debt. Donít open new accounts. Pay down any debt you may have. That is the standard advice for people who are trying to get in good financial standing before buying a home or refinancing a home. 


Do some research and find the best home loan refinance rates around. Then, look into your own finances and decide whatís best for you regarding refinancing your home loan.      





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Categories: Uncategorized  


Posted by Waypoint Realty Group LLC on 3/7/2019

You want to buy a house, but you know that you need to save as much money as possible for a down payment. Although you've tried to save money in the past, your best efforts have failed to help you collect the funds that you'll need to make a down payment on your dream residence.

Let's face it Ė saving for a home can be difficult. Fortunately, we're here to offer creative ways to help you get the money that you'll need to make your homeownership dream come true.

Now, let's take a look at three creative ways to save for a down payment on a house.

1. Start a Friendly Competition

Competition often brings out the best in homebuyers. Much in the same vein, you and your friends may be able to compete against one another to see who can save the most money for a down payment on a home.

If you and your friends intend to buy a home together or separately, a friendly competition can make a world of difference in getting the required funds for a down payment. In fact, you can even award the winner of this competition with an "Ultimate Saver" trophy or other fun prizes.

Ultimately, a friendly competition is a great way to have fun with friends and save money for a down payment on a house at the same time. Regardless of who wins the competition, you'll notice that your down payment savings will increase, moving you one step closer to acquiring your ideal residence.

2. Use a Rewards System

Saving for a down payment on a home may seem like a long, arduous process. However, if you build rewards into your day-to-day savings efforts, you can earn incentives as you reach various milestones.

For instance, you may want to reward yourself with a special dinner every time that you reach a savings milestone. Or, you can always celebrate hitting a savings milestone with a trip to the dog park with your puppy.

3. Trim the Fat from Your Budget

It sometimes can be tough to remove cable TV, takeout meals and other excess items from your budget. But if you consider the long-term benefits of these short-term sacrifices, you may be better equipped than ever before to save significant funds for a down payment on a home.

Look closely at your daily, weekly and monthly budgets. Then, you can determine which budget items are essential and which are not and trim the fat from your budget accordingly. This will allow you to speed up the process of saving for a down payment on a house and ensure that you can achieve your homeownership dream faster than ever before.

Lastly, as you prepare to explore available homes, don't hesitate to reach out to a real estate agent for extra help. By hiring a real estate agent, you can get the assistance that you need to discover a great house that falls within your price range.





Posted by Waypoint Realty Group LLC on 2/28/2019

If you've decided to put your home on the market, one important thing to keep in mind is that perception is everything -- or close to it, anyway!

The impression you make on prospective buyers can either help seal the deal or break it, depending on whether that impression is positive or negative.

The visual aspects of your home often have the strongest impact on what prospects think of your house, but three other senses can also influence buyer decisions.

The sense of smell: Without getting too specific, there are a variety of unpleasant odors that can quickly sour a prospect on the possibility of making an offer on your home. In many cases, there's justification for a sudden loss of interest. A musty smelling basement, crawlspace, or attic, for example, implies problems with water seepage, plumbing leaks, or mold. That musty odor is unpleasant and gives buyers the (accurate) impression that there are air quality issues in the house.

Pet odors can be another major turnoff, especially if the people touring your home have allergies or sensitivity to certain odors. Strong or artificial odors of any kind, including room deodorizers, overuse of commercial cleaning solutions, and scented garbage bags can also be objectionable and suggest that you're trying to cover up odors.

On the other hand, you've probably heard stories about home sellers and agents who create pleasing fragrances by brewing a fresh pot of coffee, baking a loaf of aromatic bread, or preparing a fresh batch of blueberry muffins or chocolate chip cookies shortly before a house tour is scheduled. While it may be impractical to do that every time, it is a strategy worth experimenting with! The simple act of infusing your kitchen with enticing aromas can help make your home more attractive, inviting, and appealing. Fresh flowers are another nice touch that can enhance the ambiance of your home.

The sense of touch: Probably the main thing you would want to avoid in this category would be allowing countertops or floors to feel sticky, gritty, or wet to the touch! Many people will take notice of how clean (or unclean) your house looks, smells, and feels, and they will undoubtedly deduct "points" if countertops, bathroom fixtures, and floors aren't immaculate. Perfection is not necessary, but the appearance of cleanliness is! As mentioned earlier: Perception is everything!

The sense of hearing: Some noises you can fix; others are beyond your control. Squeaky hinges and dripping faucets are a relatively easy fix, while street noises, barking dogs, and loud neighbors are much more difficult -- if not impossible -- to regulate!

The bottom line, of course, is to control what you can, put your best foot forward, and hope for the best when it comes to noises in the neighborhood!





Posted by Waypoint Realty Group LLC on 2/21/2019

Moving to a new home can be both exciting and stressful -- especially if pets and young children are involved!

Fortunately, there are plenty of strategies for avoiding frayed nerves and keeping problems to a minimum.

Cultivate a Positive Mindset: Making a conscious decision to remain cool, calm, and collected throughout your move will set the stage for a more relaxed experience for everyone. Since stress and irritability can quickly spread from one family member to another, it's up to the parents to set a positive example for the kids. When you resolve to be patient and optimistic about how things are progressing, you'll tend to be more resourceful, encouraging, and solution oriented.

Be organized: Creating a priority list of tasks that need to be completed by a target date is an excellent strategy for staying focused and on schedule. There are a lot of details to attend to when you're moving, so it's usually necessary to have a written plan and a checklist of things to remember.

Here are three ideas to consider for avoiding confusion at your new home: Clearly label all boxes; make sure that screws and other fasteners for dissembled furniture are stored in an easy-to-find clear bag or container, and take a photo (for easy reference) of cable and Internet connections before disconnecting your TV, sound system, and computer equipment. That way, when everything needs to be reassembled and reconnected at your new home, the process will go much more smootly!

Some people tend to just throw odds and ends into boxes, hoping that all the "pieces of the puzzle" will somehow magically fall into place at their new home. Unfortunately, when you pack your belongings in a haphazard manner, frustration is always the end result.

If you really want to be super-organized, consider drawing a "furniture map" of each major room. That way, you can give copies of the plan to the movers and hopefully streamline the furniture setup phase at your new home. Another efficiency tip is to color-code your boxes to help make sure the right moving boxes end up in the correct rooms.

First-Day Survival kit: Since it's highly unlikely that you'll unpack all your belongings and supplies on the first day, it's always a good idea to pack toiletries, medications, a first aid kit, and cleaning supplies in an easy-to-reach place. Other things you might want to have handy in the car for the first day at your new home would be a vacuum cleaner, pet food, dog leashes, toys for the kids, stuffed animals, games, healthy snacks, and cold beverages.

Miscellaneous Priorities: Digital photographs and computer files can be securely stored on a portable hard drive or a free cloud storage service available through Google or Dropbox. As far as small valuables, such as laptops, jewelry, mobile devices, and important documents, it's generally recommended that you transport those items with you in your car -- preferably in a clearly marked box.







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