Military Veteran VA Loan New Home

VA Loans

What are VA Loans?

A VA Loan, popularly known as Veterans Affairs (VA) Loan, is a type of mortgage loan that is made available via a program set up by the U.S. Department of Veterans Affairs. The loan was created to assist veterans, service members, or their qualified surviving spouses to become homeowners. The Dept. of Veterans Affairs decide the standards that qualify for the loan; state the terms and conditions of the mortgage loans offered and guarantee a portion of the loan. Veteran loans are offered by private lenders like mortgage firms and banks.

VA Loans provide a home loan guaranty benefit and other home-related programs to assist eligible veterans or their qualified spouse to adapt, retain, repair, build, or buy a home for personal occupancy. VA loans provide up to 100 percent of a mortgage loan based upon the value of the home. Recipients of VA loans do not necessarily have to be first-time home-buyers. Additionally, recipients have the opportunity to reuse the loan benefits or assign the mortgage loan to another eligible person.

In order to be qualified for the Veterans Loan, the VA loan borrower needs to present a certificate of eligibility, that proves their record of military service, to the lender.

Benefits of VA Loans

A VA Loan has a number of benefits which include:

  • Veterans Affairs offers assistance to help borrowers avoid default.
  • Closing costs are limited and may be paid by the seller.
  • Many states offer extra benefits to eligible VA loan borrowers such as property tax reductions.
  • To borrow via a VA loan, a down payment is not necessary unless the lender requires it, or if the purchase price exceeds the property’s value.
  • Lenders of Veterans loans may not charge a prepayment penalty.
  • No private mortgage insurance premium is required.

Types of VA Loans

VA loans have securitization via the Government National Mortgage Association (GNMA). This means that VA loans have a guarantee against default backed by the U.S. government. Veterans Affairs offer different types of loans to assist veterans and their eligible spouse such as:

  • Adapted Housing Grants: this type of VA loan helps veterans with a total and permanent in-service disability to build or purchase a home that is adapted to their respective disability or to modify an existing home to suit their disability.
  • Cash Out Refinance Loans: this loan enables VA loan borrowers to borrow against their home’s equity. Home equity can be used to either make home improvements, fund a child’s educational expenses or to pay off debt. Refinancing loans offer a new loan for a larger amount than the existing note and transform the home’s equity into cash.
  • Interest Rate Reduction Refinance Loan (IRRRL): this type of loan is known as the Streamline Refinance Loan. This loan helps borrowers to obtain a lesser interest rate by refinancing an existing VA loan. This is more like a VA loan-to-VA loan process, enabling borrowers to refinance an existing mortgage with a lower fixed interest rate. It also enables the conversion of a mortgage with an adjustable-rate into a mortgage with a fixed-rate.
  • The Native American Direct Loan Program: this loan is exclusive to eligible Native American veterans and it helps them finance the improvement, construction, or purchase of homes on federal trust land. Sometimes, a reduction in interest rates come with this type of loan.
  • Veterans Affairs Home Purchase Loans: this loan helps veterans or eligible spouses to purchase a home at an affordable interest rate. Most times, home purchase loans do not require private mortgage insurance or a down payment.

Conclusively, VA loans are less costly and more flexible. Since 2007, VA loan volume has soared about 372 percent. Moreover, VA loans have more debt-to-income requirements and forgiving credit when compared to other mortgage programs.

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Annapolis Maryland Real Estate Main Street

Why Annapolis is the Best Place to Live

So, you are looking to buy a house in Annapolis, Maryland and you can’t seem to make a choice. You are tired of the hustle and bustle of the big city. You just want nice warm suburban community dwellers for neighbors, a befitting house you can call home, all in a location with the city’s amenities not too far away?

Then Annapolis should stand out among the cities you are currently checking out — and here’s why.

You see, Annapolis doubles as the capital city of Maryland and the county seat of Anne Arundel County. And as a result, is home to a diverse range of beautiful neighborhoods. In this multitude, there is always one that is a perfect fit for you.

You can already spot the unique beauty of each community as you drive through them, from the people, to the shape of the houses and down to local parks and recreation centers in these locations. Looking for a place to live? This is a place to be.

Now, we would be looking at 5 of the most popular neighborhoods and communities of this amazing city called Annapolis.

Acton’s Landing

Acton’s landing is a community of single-family homes, condos and town-homes. It is located at 66 Franklin Street with every home having a breathtaking city or water view.

Admiral Heights

This is located beside the Navy-Marine Corps Stadium and is home to the U.S. Naval Academy mascot and the Bill the Goat. It is conveniently positioned a few minutes’ drive away from the historic downtown Annapolis, Route 50, the Annapolis Mall and the Chesapeake Bay Bridge. Isn’t that amazing?


Located off the Bay Ridge Avenue and near to Annapolis Golf Club, Anchorage is a community that is surrounded by pools and docks and sits opposite the River. This makes for an amazing view of you ever decide to buy a house here. Its inhabitants are very pleasant and welcoming too.

Annapolis Landing

Established in the year 1978 with the reputation of being the friendliest of all neighborhoods, the Annapolis landing is a community to be a part of. Most of the original owners of the land still reside there. It comprises of 248 beautifully constructed homes that are located at south Annapolis just beside the water front. Thereby making this area one of the prime locations of the city itself.

Arden on the Seven

This well designed and constructed neighborhood is in the midst of the woodlands which gives a nice green border to the Seven River. The neighborhood is part of the Crownsville town. This is also a great residential area for newcomers to the city.

And now to the people who live in Annapolis.

Most folks in Annapolis live in small houses or single-family detached homes. Throughout the city, you would find a nice mix of owner-occupied and rental homes. This gives anyone moving to the city luxury of choice to live however and wherever they want.

Also, these homes do appreciate although this varies from neighborhood to neighborhood, with some exceeding the average appreciation rate of properties nationwide. But when it comes to the city’s average, a recent survey done by top real estate surveyors have shown that the appreciation rate of properties is low over a ten-year period.

But if you want to take advantage of the investment properties in the city, it is advisable to let an experienced property agent guide you as they have enough knowledge on the local real-estate market.

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VA Home Loans - United States of America Flag

VA Home Loans

Home ownership is a wonderful thing; however, securing proper financial support to buy a home is not an easy thing to do. Fortunately, there are special home loan programs for veterans that make the process of obtaining a mortgage easier. VA home loans are accepted as one of the most powerful loan options today for active military service members and veterans. It is true that it is difficult for military borrowers to build the assets and credit which are necessary to get approved for home financing due to the fact that they are busy protecting and serving The United States of America.

If you are an active duty military service member or a veteran and you are planning to have your own home, then a VA Loan can be a great option for you. VA home loans have amazing advantages and they have become very popular among many of our nation’s heroes who have served our country over the last five years.
If you are serving our country or have served our country, take time to learn about the benefits of obtaining a VA Loan as an effective path to home ownership:

  1. No Need of Down Payment – If you are a qualified veteran, there is no need to make a down payment. This is helpful to save a lot money monthly in comparison with conventional and FHA loans.
  2. No Mortgage Insurance – With conventional and FHA loans, the borrower needs to maintain monthly mortgage insurance. Collectively, those who have secured VA Loans have saved more than $40 billion in private mortgage insurance expense over the life span of their loans. On the contrary, conventional borrowers, even those who cannot put down twenty-percent, must pay private mortgage insurance.
  3. Flexible Credit Requirements – The Department of Veterans Affairs supervises the VA loan program and they do not question loans nor do they set credit score minimums. VA loans are more forgiving when it comes to bouncing back after a insolvency, foreclosure or short sale.
  4. VA Home Loans - US Military VeteransLower Interest Rates – The Department of Veterans Affairs guarantees a part of each VA loan and that’s why financial institution can offer comparatively lower interest rates for VA home loans. Generally, VA interest rates are between 0.5% – 1.0% percent lower than conventional loan’s interest rates. Interest rates depend on the inherent risk implied by the lender to finance the loan. Through the VA guarantee, lenders get a sense of security that helps them to offer comparatively lower rates.
  5. Closing Cost Limits – Generally, all mortgages come with fees and closing costs which give financial institutions an incentive to lend money. However, when it comes to VA home loans, there are limits to how much veterans can be charged for these expenses. In the transaction process, some costs and fees get covered by other parties. These safeguards are extremely helpful to veterans and they make the process of becoming a home owner more affordable.

The VA home loan program was established to support active military members and veterans, who have honorably served our country.

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Home Mortgage Approval

10 Things to Consider Before Taking a Home Loan

Buying a residential property as a primary residence is a major decision which impacts you and your family’s lives. Keep in mind that residential property prices are increasing and that your decision may be just a once in a lifetime one. If your savings are not enough to bear the total cost of the property it is necessary to obtain a home loan. Before applying for a home loan, you must consider few vital things:

  1. Do Market Research – Initially, you should do the market research using your own intellect. You can seek advice from a home loan adviser. The combination of your research data and your adviser’s advice will provide you with adequate knowledge of the home loan process.
  2. Review Interest Rates – When it comes to home loan interest rates, it is always true that lower one is always better. Affordable housing will be a reality for you when you tap on the right lender offering the best rates. Additionally, if your mortgage company offers discount points to lower your interest rate, consider doing so to save a substantial amount of money over time.
  3. Check Your Home Loan Eligibility – This is one of the vital facts to consider when you want to procure a home loan. By eligibility, we mean the borrower’s ability to repay the loan. It may be the case that your sole income is not enough to get the amount of money that you desire. Here you may need to include your spouse’s income as well. So, look for a sensible amount to borrow which you can repay on time while successfully maintaining your family’s lifestyle.
  4. List the Documents for Your Home Loan Application – In most of the cases banks and financial institutions provide a checklist with a loan application form. You need to go through the list and attach the mandatory documents, which are essential for the loan process. You should be ready to share additional documents which may be requested by the bank to decide the proper amount and your respective eligibility.
  5. Sanctioning – A home loan applicant’s credit history and net monthly income play a very significant role in deciding the sanctioned amount. It will be advisable to get your credit history report in advance before applying for a home loan. If approved you will receive a sanction letter mentioning the loan amount, tenure and interest rate. If it the loan is not approved you will also get a letter with valid reasons for disapproval.
  6. Loan Disbursement – After the property is finalized you will get an offer letter or a letter of approval from the builder or reseller which you must sign. You need to make your share of the payment to the seller or builder and take a receipt of the same to be produced to bank for disbursement
  7. Applying for Home Loan - Real Estate FinancingEMI Affordability – EMI is something in home loan which is most important from buyer’s point of view. EMI needs to be paid monthly for loan repayment for the specified number of years. The EMI should not exceed 40-45 % of your net monthly income.
  8. Benefit on a Home Loan – Will there be any benefit or any other fee waiver for obtaining a home loan? Are there any complimentary appraisals or discount in home inspection fee? Take a note of this.
  9. Prepayment & Closing Before Time – Partial prepayment is a part of the principal amount payment by the borrower in addition to monthly EMIs. Prepayment of a home loan reduces the amount of interest paid to the lender. Will your lender allow pre-closure of the loan? Understand that it is always advisable to close off a loan to save interest if you have the funds available.
  10. Cost for Pre-Closure or Prepayment – What will be the charge to close the home loan before time?
    The above 10 points are extremely important to consider before applying for a home loan.

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Buying A Resale Property - Real Estate

10 Things to Consider When Buying a Resale Property

It’s true that the prices for resale properties are typically lower than new properties because the underlying land is included with a resale property. Investing in land and building a new home is more expensive and labor intensive.  Investing in a resale property is preferable and it is considered one of the safest investments in today’s real estate market. If you are in a mood to buy a resale property then there are few important things that you must consider before buying.

  1. Market Knowledge: As we know the market value of any property is dynamic and it keeps changing based upon the laws supply and demand. You need to conduct your own in-depth research on resale properties before planning and gathering information from our team. The combination of your research and ours will guide you better throughout the process of buying a resale property.
  2. Budgeting: There are many costs associated with buying a resale property. These costs include:
    • The total cost of property
    • Transfer cost
    • Registration cost
    • Broker fees
    • Loan
    • Taxes

    You must bargain with the seller of the resale property to make sure that the sale price is within your budget.

  3. Home Loan: If you apply for a home loan to finance the purchase of a resale property, banks will make sure that all initial legal and technical checks are performed on the property.  The first screening and legal support will be performed by your lender.
  4. Location: You’ve heard it before, “Location, Location, Location”. Location is a vital consideration while selecting a resale property. The price of a resale property is significantly affected by the market demand to live in a particular area.  You need to keep abreast with current and future developments within the location in which you would like to reside. Additionally, consider the property’s proximity to public amenities and the location of your office.
  5. Due Diligence: Only invest in a resale property after having done in-depth research on the property. You need to check title records to ensure that the property belongs to the seller and to know if it is a mortgaged property or free from any liens.
  6. Age of the Property: The quality of the materials used to build a home degrades with each passing day; this is known as depreciation.  It’s better not to invest in a property greater than twenty years of age without any repairs and maintenance work done. Without it is difficult to get a home loan on such properties.
  7. Services & Interiors: Will you pay premium for taking resale property? If yes, then you should ensure all is in good working condition by having a home inspection.
  8. Documentation &Procedures: Documents are vital for buying resale property.  Major among them include ownership document, Utility payment, title clearance, property tax payment, receipt for registration fees, approval plan and many other property specific documents.
  9. Terms & Conditions: You must check all terms and conditions related to your payment, taxes, and other details at the time of negotiation. All terms and conditions should be in writing and signed by the buyer and seller before the transaction is completed.
  10. Valuation Report: One of the most vital points which can’t be ignored is the resale property’s valuation. The seller-buyer deed will be prepared based upon the valuation report. The valuation report will decide the amount that you will pay to the seller.

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Tips for Getting Home Mortgage Approved Quickly

Useful Tips for Getting Your Home Mortgage Approved Quickly

Having a home of your own is something everyone aspires for. However, post the real estate crisis of 2008-09, home mortgage norms in the country have become stringent to ensure that a housing market crisis never happens again.

Hence, it is always useful to be aware of the factors that need to be considered when you or a known associate applies for a mortgage. When you approach a bank or any other financial institution to process your mortgage, the documents go to an underwriter who is responsible to take you through the entire process. The underwriter reviews your current and past loan history as well as the supporting documentation to verify whether you (and the co-applicants) meet the stipulated loan program guidelines or not.

However, before you initiate the process of going to a financial institution, you should be aware of the ways to ensure that your loan process is smooth and seamless. Here are some useful tips to ensure your home mortgage gets approved quickly:

  1. Understand the difference between a home mortgage vis-à-vis a car mortgage or even education mortgage – While you might be aware of the reduction in interest rates as well as the specific areas where home rates have gone down, this information is not enough to go ahead and apply for a home mortgage. It is important that you understand that the process of getting a home mortgage approved is different from getting a mortgage for your car or even an education loan you might have taken in the past.
  2. Get your credit score checked – Evaluating your credit score is probably the best way to understand how easy or difficult it would be for you to apply for a mortgage on your home. An individual can, in a matter of a couple of minutes, order their credit score. This is probably something that most of us in the country forget to do, even though we all understand the relevance of it. Credit scores happen to have the biggest impact on getting a mortgage approved, especially a home mortgage. Hence, always check if you have a credit score which is enough to qualify you for the home mortgage that you are applying for.Home Mortgage Approval
  3. Have a cash portfolio – While no one wants to put all their eggs in one basket, when applying for a home mortgage, it is always good to keep enough and more cash handy rather than investing in a diverse portfolio of other financial products. The chances of your loan getting rejected are higher if your bank balance is on the lower side.
  4. Keep a job – While the American dream of becoming a successful business venture owner and becoming famous might be all-pervasive, when applying for a home mortgage, it is always better to be a salaried employee, rather than being an entrepreneur. This is essential since any change to income status during the mortgage process does not go well with financial institutions and can serve as a hindrance.
  5. Pre-approved mortgage – There are two ways to buying a house – choosing a house and then applying for a mortgage or getting a pre-approved mortgage and then looking for a house in the same budget. While the latter approach may feel like the reverse way of doing things, it actually works better because based on your income status and credit history, a pre-approved loan amount is sanctioned. You can then scout for a house or apartment of your choice accordingly.

While the above-mentioned tips are useful when applying for a home mortgage, more often than not, what is important is to consider all financial possibilities before applying for a home mortgage and then making the most of the options available to narrow down on the most feasible option.

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5 Home Presentation Tips to Make a Quick Sale

Home presentation is a critical aspect of selling residential real estate. Selling a house necessitates active participation from the owners where they have to learn to market it. Supplying potential buyers with as much information as possible is critical. One should list down answers to questions like:Home Presentation

  • Are there enough parking spaces?
  • Can one extend, renovate, or rebuild the house easily?
  • Is there space to add additional fixtures?
  • Does it have a garden?
  • Are there any unique features like moldings?

These tend to be massive selling points. Still, for a fast deal, you have to go a step beyond – the presentation. The right look can make any home attractive to buyers and secure a sale at the right price. This is why staging has become so popular in the recent years. So, how does one go about making an abode look appealing without shelling out hard-cash? The answer lies in photographs that show your property from the best angles.

Less than 2% of buyers start the process of investing in a new house without doing an internet search. It means that potential new home-owners will look at your house first through pictures uploaded on the net. Bear in mind that first impressions are always the best impressions and this is why the initial few seconds are the decisive ones. The snapshots will either hook them or make them scroll down to look at other properties.

5 Top Tips for Home Presentation

  • The color tone of the house should be neutral. Shades of white and beige are ideal for walls. If you have any bold carpets or patterned pieces, remove them. The same applies to bed linens, curtains or cushion covers. Keep the hue fresh. The aim is to present a clean slate to the buyer which they can easily re-imagine in the way they want. Houses that have too many accessories, ornaments and family photos are hard to visualize as dream homes.
  • Get rid of all excess furniture or any furnishings that are shabby or in a state of disrepair. Open space is more pleasing to the eye than a cluttered one. Removing things like scattered magazines, books, newspapers and toys before you take out that camera is an excellent idea.
  • Do some basic repair work on the house before pressing the shutter. Clean and polish woodwork, fill in the cracks on the walls with plaster, replace broken glass and fix dripping taps. No buyer wants to invest in a house that looks bedraggled.
  • Interested parties prefer homes that have pictures showing the interiors as well as the exteriors. Therefore, tidy up the front garden or the backyards before you click the photos. Pruned trees and blooming flowers add warmth that is hard to resist.
  • If you have pets at home, then either secure them in a closed room or let them roam outside while you take pictures inside. It will save you time, trust us. The number of perfect shots that get ruined by stalking cats and running dogs is curiously very high.

Simple yet effective, follow these home presentation tips to make your home look its best. Believe us when we say that a clean, neutral, subtly decorated dwelling in a decent condition sell far quicker than others. You have just an instant to catch the eye of a buyer, to ensure that they can imagine the place as theirs. So make the most of it.

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Real Estate Agent Crofton, Gambrills, Odenton, Hanover Maryland

Top 5 Benefits of Hiring a Professional Real Estate Agent

In this fast-paced era of the digital world, the manual job of a real estate agent is fading away gradually. Most often people ask, “why should we hire a real estate agent?” and rightfully so, as buyers and sellers alike turn to the internet first. But after extensive research and hours on the web, the realization that when nothing pays off, the internet cannot really replace the benefits of having a flesh-and-blood real estate agent. So here are the top five reasons why you should consider hiring a real estate agent, even today.

  1. Better Reach to Sources
    A real estate agent has physical and easy access to all the properties listed by other agents as he works full time on being the bridge of communication between the buyers and the sellers.
    An agent knows what arrangements are needed to meet client’s criteria and preferences to get the deal together. They undertake all manual work including making calls, coordinating with both parties, making appointments and a detailed oversight of documentation in a hassle-free way for the client.
  2. Negotiation as an Art
    Most people don’t like the involvement of an agent in the negotiation of a deal. However, it is this direct negotiation that paves the way for the process to be more transparent as both ends are communicating the entire time. This is only possible if all parties are like-minded and everything goes well. In other cases, for example, if you like a house and the doors are something you don’t like, the agent can be the messenger in the equation and convey your opinion across. Since these deals are very fragile, and sellers can decline a deal anytime, the agent can be useful to make the toughest deals in your favor and same goes with the seller’s agent where he can keep the buyer’s requests and demands in check while helping the seller in making a profit.
  3. A Professional Real Estate Agent Has Resourceful Contacts
    An experienced real estate agent is accustomed to deal with the same contacts and conditions regularly, and familiar with the procedures to be followed if things go out of hand. The right agent will always protect the client’s interests whether you are buying or selling. Your agent will make sure you can step out of a deal safely if certain conditions are not met.
  4. Your Real Estate Agent Will Not Cheat
    Always remember to approach a licensed real estate agent. A licensed real estate agent is bound to meet a client’s interest over his own because he or she must follow common laws under the Agency Agreement. Moreover, an agent also relies on his reputation in the market to carry on with his profession.
  5. Saving Can Be Tricky
    A buyer will always depend on their real estate agent to save a little money despite paying them their cut, to make a collective benefit from the deal. It is unlikely that both the buyer and seller will not pay a commission to the agent in the process, which in turn works collectively in everyone’s favor.

If you plan on buying a house on your own, you have to take up all the weight of the procedure on your own shoulders, multiplying your work at least three-fold if not more. There’s a reason why agents came into existence and it is only fair to let them do their job while so that we can enjoy the fruits of their labor!

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Kitchen Remodeling Home Improvements

Most Important Home Improvements to Make Before Selling a Home

Selling a home is a huge decision, and the road to reaching the end is an emotional and extremely analytical journey. Every minute detail has to be inspected with great detail, figuring out along the way the best possible options to get you the best value on your home. Remodeling and home improvements count as a major consideration, to fix or not to fix?

The location, market scene and kind of broker investing in your home has a lot to do with the price you earn on your space, but home improvements, even the little ones are enough to make a big difference to make the cut. So, which ones you ask?
While there are no specificities as to what will sell your home better and quicker as a lot depends on the way you’ve maintained your space over time, we have a list of few fixer uppers that realtors swear by.

  1. Floor Fixes

    Hardwood floors, carpeting as well as chipped and cracked ceramics – time and wear-and-tear would have left your flooring tired and overused. Older houses that have been furnished decades ago have lost their charm and are a dull comparison to the newer amenities one has on offer. While this may be the most expensive investment of the lot, it is a fair deal that will fetch you a higher price; And if experts are to be believed, a resale return of at least 40%.

  2. Bathroom Fixes

    Old calcified tubs, ceilings that are falling apart and leaky faucets, the little details that bring about a major change without burning a hole in your pocket. Upgrading to fancier lights, fixing broken fixtures, throwing on some fresh paint on the walls and deodorizing an old toilet is always a winner. You’d be rather surprised how these minor bumps could affect the value of your house in its entirety.

  3. Roofs and Walls

    Both the interior and the exterior of your house are of equal importance. While scraping off old wallpaper and paneling, to refresh the look of your house works wonders, fixing a broken or damaged roof is quintessential. A new buyer wouldn’t want to invest in major repairing costs (unless of course he’s a flipper), significantly reducing the resale value of your house.

  4. The Kitchen

    Replacing your beat-up kitchen cabinets is a big commitment, so getting rid of them is a safer option. Leaving high-end appliances won’t fetch you higher rates, as buyers are looking to save just as much as you are. Simple replacements, granite and laminate upgrades some additional plumbing definitely throws in a few extra pennies into your pocket.

  5. The Exterior

    Remodeling your lawn or patio, planting a few plants and painting your fancy picket fence – they all matter. It’s all about creating the first visual impression to your buyer to give them a glimpse of what their next home could really look like. Tiny details – door knobs and handles, otherwise missed easily could be the ultimate game changers in the resale price of your home.

Overall, your aim is to present a home that on the surface appears to have no major maintenance and repair costs, so do your best to put up a pretty face forward to fetch you your desired price!

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Preparing Your House for the Winter

Winter is Coming!

Preparing Your Home for the WinterNot just metaphorically in the universe of Game of Thrones but literally here in our boring Muggle world. With your big investment on the house have come big responsibilities, and it’s the time of the year where you must follow through to make the most of your investment without burning a hole in your pocket. Listed below is a checklist to make life simpler, one step at a time.

Scout the perimeter

First things first, check the exterior of your property for cracks, peeling or damage. It is essential to begin all handiwork while the temperatures are relatively warmer and convenient to work outdoors. This not only eases the burden on you but saves you from the last moment rush to find accomplished professionals available to render their services. Ensure you check the gutters, roof, doors and windows for any visible damage or clogging that might cause disruptions or even worse – injury. Home repair professionals are recommended, but if the intention is to save an extra buck, make sure you are careful on the ladder!

Test out the Appliances

Smoke alarms, heating systems, pipes, chimneys – among the other essentials. It is important to check manufacturing dates on alarm systems, replacing any faulty parts with reliable alternatives if not originals. Associations such as the Chimney Safety Institute of America recommend inspection and thorough cleaning of your systems to safeguard your homes from the dangerous gases, smoke and dirt emitted from your fireplace and heating systems. Checking on these essentials protect and prevent disasters such as house fires, improve air quality while keeping you warm and cozy through the harsh winter months.

Prepare Preserve and Protect

Prune your shrubs, trim the edges, mow out the lawn, clear out the patio and store your pots and plants away before the snowy storms set in. Leaves from surrounding trees are a never-ending menace, but there’s always the mighty leaf blower to the rescue. Stocking up on firewood in unheated, dry garages are the next essential on the list. Machinery always comes with a hint of unreliability; hence, it is of utmost importance to stack your shovels, ensure supplies are accessible and that there always is an emergency kit at hand. Flashlights, rope, first aid kids, warm clothes, food, water, medication and amenities are the few necessities that are usually looked over but most important in a crisis.

Being prepared for a long stormy winter doesn’t begin when the first snow hits the ground, but technically must begin when the daylight savings change. Leaving your winter prep for the last minute is nothing short of catastrophic as appointments are booked, servicemen remain unavailable and you would have to fend for yourself all the while running pillar to post just to get the job done in time. Your home is your investment and safeguarding it for the long healthy future of your own stands as an individual responsibility. It’s all about the small details that matter, you never know when the storm will hit!

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