Twila E. Palmer's Blog
- Make a habit of locking your doors and windows. While this piece of advice may sound like a "no-brainer," many reports of home break-ins mention an unlocked window or door as the point of entry for burglars. The first thing you can do to tighten up security and feel safer in your own home is to increase your awareness of potential threats, and emphasize to your family the importance of taking precautions. The ideal scenario involves reinforcing positive habits, without instilling a sense of fear. After all, your home should be a peaceful place where your family always feels safe and comfortable.
- Shine a light on the problem. You would think that everyone would leave lights on when they're not home at night, but -- for one reason or another -- many don't. Keeping your home well lit, both inside and out, is a good strategy for thwarting crime. To save money on energy bills and to avoid the appearance of always having your lights on, you can purchase inexpensive lighting timers. Leaving a radio or TV on when you're not home, or connecting it to a timer, is another way to create the illusion that someone is home.
- Barking dogs are a known burglar deterrent, as are "Beware of Dog" signs. The actual dogs are obviously more effective than the warning signs, but many people bring their pets to a boarding facility when they're away on vacation. One solution is to arrange for a house sitter or an on-site pet care service to stop by. If you have a trusted neighbor or family member who can feed and walk your dog while you're away (maybe, water your plants, too!), then your canine security guard can remain on duty in your absence. Many communities also have licensed and bonded pet care services that can stop by and take care of your dogs, every day, eliminating the need for your pets to be away from home.
- Landscaping features can be a risk factor. Be aware that high bushes and hedges can make it easier for burglars to hide while breaking into windows. Keep shrubs and branches trimmed back as much as possible to eliminate this chink in your security plan. If you're still concerned about the effect of bushes on home security, then make sure your window locks are sturdy and fully functional. Inexpensive battery-operated window and door alarms are also an option.
As a homebuyer, entering the real estate market with insights into what it takes to find the perfect house is essential.
Becoming an expert homebuyer, however, may seem impossible at times. Lucky for you, we're here to help you gain the knowledge and skills you need to make your homeownership dreams come true.
What does it take to become an expert homebuyer? Here are three tips to help you do just that.
1. Look at Real Estate Market Trends
The housing market ebbs and flows. Therefore, a seller's market today may transform into a buyer's market tomorrow.
Ultimately, the real estate market fluctuates constantly, and you'll want to learn as much as possible about the housing sector to ensure you can map out your homebuying journey accordingly.
In a buyer's market, there are usually more home sellers than buyers. This means homebuyers may be better equipped than ever before to secure a top-notch house at a budget-friendly price.
On the other hand, a seller's market features an abundance of homebuyers and a shortage of sellers. For homebuyers who operate in a seller's market, they may be forced to submit competitive offers on homes quickly, or risk missing out on a dream residence to a rival.
When you study the housing market, don't forget to check out the prices of residences that recently sold. By doing so, you can gain a better understanding of how much you'll likely need to pay to acquire a first-rate house based on the current state of the housing market.
2. Learn How a Mortgage Works
What differentiates a fixed-rate mortgage from an adjustable-rate option? An expert homebuyer will know the ins and outs of assorted mortgage options and select one that corresponds to his or her finances.
To learn about mortgages and how they work, you'll want to meet with credit unions and banks. These lenders can describe the different types of mortgages and the pros and cons associated with them.
Also, an expert homebuyer will get pre-approved for a mortgage. With a mortgage in hand, this homebuyer will be able to stick to a price range as he or she searches for the ideal home.
3. Collaborate with a Real Estate Agent
Let's face it – no homebuyer can afford to make mistakes. Fortunately, you can work with a real estate agent to receive expert guidance as you navigate the homebuying journey.
A real estate agent boasts the skills and know-how needed to streamline the homebuying process. He or she may have many years of housing market experience and is happy to teach you about the opportunities and challenges associated with buying a house.
Furthermore, a real estate agent will help you accelerate the homebuying cycle. He or she can set up home showings, negotiate with home sellers on your behalf and much more. That way, you can focus on what's important – finding a terrific house at an affordable price.
Take advantage of the aforementioned tips, and you can become an expert homebuyer.