What are Five Household Chores You Can Skip?

Weekends are meant to be relaxing and catching up on your favorite shows or sleep.  They also meant for family, friends, and relaxing not chores. What chores can your skip this weekend, so you don’t have to miss out on your weekend?

Laundry- Most clothes don’t need to be washed after one use unless it is your undergarments, gym clothes, or clothes that stick close to your body.  

Hand-Drying Dishes- Swap your towel for a drying rack and let the dishes air dry.

Dusting- Dust can be gross but it does not need to be cleaned up every weekend.  You can wait to dust your home once a month.

Cleaning Windows- Your windows don’t need to be washed every week.  Instead wash them every four months.

Organizing- If you are over doing your organizing you may add unnecessary stress to your weekend. Your closets need a major overhaul only a few times are year. The rest of your home can be done in several days- take 15 minutes and focus on one area.  Move to the next area the next week.

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What are 6 Things Buyers Must Do Before They Move?

The countdown to moving into your new home has begun. In the 11^th hour things can get missed or forgotten but with this checklist, you won’t forget anything.

1.    Make sure all contingencies are squared away- If you, the buyer, have added contingencies to the transaction, make sure they are completed before you go into your closing appointment.

a.    Home Inspection- Schedule your home inspection right away.  If there are problems with the home, make sure they are negotiated within a timely manner.

b.    Appraisal- Mortgage lenders will hire a third party to evaluate the home to ensure the value is not lower than the sale price.

c.    Financial- This will give you the right to back out of the deal with your mortgage falls through.

2.    Clear the title- Your mortgage lender will require a title search on the property you are purchasing to ensure the title is clean with no outstanding issues.  You will also need to purchase title insurance.

3.    Get your final mortgage approval- Before closing, your home loan must go through the underwriting process.  If you’ve made any false or misleading claims on your loan application, they may come up and can delay your closing.

4.    Review your closing disclosure- The closing disclosure is also known as HUD-1 settlement statement. This document will outline your exact mortgage payments, loan terms, and additional fees (closing costs)

5.    Do a final walk-through- A walk-through will be conducted within 24-hours before closing. During the walk-through you will check to see if all repairs were made based on the home inspection and ensure there are no additional issues with the home.

6.    Bring all necessary documents to closing- You will need to bring- proof of homeowners insurance, copy of your contract, home inspection reports, paperwork required by your bank to approve the loan, government issued photo ID.