Steering clear of homebuyer’s remorse requires more than just picking the right home in the right neighborhood. According to a 2016 survey by J.D. Power, 27% of new homeowners ultimately came to regret their choice of lender. One major reason for the dissatisfaction was overall poor customer experience, including lack of communication and unmet expectations. Another factor? Pressure from the lender to choose a particular product or loan. You can remove some of the tension and turmoil of house-hunting by carefully vetting potential lenders. Here are some questions to ask potential lenders before you commit.
Where would be without our PUPPIES!! They are family members too. Looking for a dog friendly neighborhood? Here’s how:
Look for these puppy-friendly factors before making your move.
With more than 36% of U.S. households including a dog (according to a 2012 survey from the American Veterinary Medical Foundation), it’s no surprise that finding a pet-friendly neighborhood is an important consideration for many homebuyers. But how can you tell which neighborhoods are truly welcoming to your four-legged friends? Here’s what to look for on the house hunt.
1. You see a lot of dogs out and about
An obvious sign of a pet-friendly neighborhood is one that has lots of dogs exploring with their humans. You want to make sure that people, neighbors, landlords, and business owners are going to welcome your pet, and the best indicator of that is if there are lots of other dogs around, says Janine Acquafredda, co-founder of Realtors 4 Rescues, a nonprofit that helps keep animals out of shelters. And where there are lots of dogs, there are lots of dog owners that care about animals, so your dog will be in a safer and happier environment. There’s more to this pet activity than just scoping out the canine social scene, though. A neighborhood with lots of dog activity is also much more likely to have dog-loving neighbors and those nearby dog-lovers are much more likely to help you find your pup if he ever gets loose or runs away.
2. There’s a nearby dog park and the dogs playing in it look happy and relaxed
Not all dog parks are created equal, and you want to be sure the one near your future home will be a pleasant experience for your pooch. Read: the big dogs aren’t picking on the little guys. (For a quick scan of nearby green spaces your dog might enjoy, check out Trulia Maps and the Places to Play layer.) Visit on a weekend morning, when the park is likely to be crowded, says Amy Robinson, a dog trainer and dog expert in Vero Beach, FL. Observe the owners too. Are they watching their charges or chatting and drinking coffee while their dog is a hundred yards away? How clean is the place? Are people picking up after their dogs? All of these answers will give you an idea of what type of dog and owner frequent the park, she says. Bonus: Hanging at the dog park can help you make friends in your new neighborhood.
3. You can easily find an animal shelter, veterinarian, and pet supply store
The existence of all three essentials shows that the community cares about the well being of animals, says Ashley Jacobs, CEO of Sitting For A Cause, a site that matches pet owners with local petsitters. When you have a community who cares about animals, keeping them healthy and controlling the pet population, that’s always a telltale sign that your dog will be welcome and loved, she says.
4. There are plenty of sidewalks and places to walk
We bought our house because of the size of the lot .98 acres for the dogs, says Peter Taylor, a photographer who has three dogs and lives in Mountainbrook, a neighborhood in Charlotte, NC. And the roads are wide, with very little through traffic, great for walking. After all, you’ll walk your dog often, so you’ll want a neighborhood that makes this accessible. In addition to sidewalks, are there trails or beaches to explore? Bonus points if the neighborhood provides waste bags or dog-accessible water bowls, which are a sure sign an area welcomes pooches, says Jacobs.
5. Places for people also welcome pets
If a neighborhood looks promising, call or stop by some of the local restaurants, stores, or coffeehouses and ask about their policy on pets. Look for dogs lounging on local restaurant patios while their human family members enjoy lunch or dinner nearby. Spotting dog treats on the counter at the neighborhood bakery or brewery is a good sign. These little extras will enhance the quality of life for you and your pet and make your new neighborhood feel like home.
Source: Trulia Blog
The heat is on! You want to improve your credit and you want to get it done NOW!
If raising your credit seems impossible, take a step back from the big hairy goal and tackle the beast one step at a time.
There’s no “instant” button, but there are things you can do now that will help increase your score.
The unfortunate truth about raising your credit score: There is no quick fix.
Hitting the reset button sounds tempting — especially when faced with a less than stellar credit score; but starting over with a blank slate will only set you back further.
Now that a forewarning is out of the way, on to the good stuff: Actionable tips to raise your credit score swiftly and without financial risk. You can expect most of these tips to affect your credit score in about 30 to 60 days, the typical time that’s considered speedy.
How to increase your credit score
- Request a copy of your credit report and look for errors
In 2013, the Federal Trade Commission found that one in five consumers carried an error on their credit report. If you find an error, dispute it. Removing negative marks made in error will help you return to your correct score.
- Write a negotiation letter to your credit bureau
If a negotiation letter doesn’t work, contact the company reporting a late payment to ask if it will campaign for the removal. If a payment was incorrectly reported (see No. 1), or if you simply forgot a bill when you’re usually 100% on the ball, you may be able to get the late payment removed.
- Stop using your credit cards You can lower your credit utilization rate in two conventional ways: Lower your spending and increase your credit. Your credit score is largely determined by the amount of debt (credit card and loan balances) compared with your credit limits. Spending around one-third of your credit limit is the recommended credit line, but crossing that debt-to-credit threshold won’t help your score. Alternatively, you can request an increase in your credit or open a new card as a way of increasing your credit-to-spending ratio, but this is a risky move if your spending doesn’t slow down. Be wary of raising limits if it wouldn’t be financially feasible to pay back any and all spending.
- Don’t apply for multiple forms of credit in a short time Each time you request a new form of credit, including car and home loans, etc, you’ll likely face a credit inquiry. Too many inquiries within a short time and the credit bureaus may ding your credit. Keep this in mind as you request credit increases or open up new accounts. Both actions may result in one too many credit pulls and consequently, a decrease in your credit score.
- Settle late payments — then automate your payment schedule Timely bill pay is gut-wrenching when you’re financially strapped, but proactively settling bills will make future payments easier. Credit bureaus count a late payment starting from the first day of your last late payment, so the sooner you can square the bill, the better. This is particularly true if you can pay off past-due debts before they reach the 30-day, 60-day, or 90-day thresholds. It’s scary to confront the financial challenge, but it’s doable. Once you’ve settled any late payments, make future payments even simpler by automating. Automation avoids accidental missed payments and takes the mental clutter of scheduling multiple payments off your mind.
- Building credit builds long-lasting habits Approaching the daunting task of increasing your credit score with the long-term-training mindset helps you build long-lasting habits that strengthen your financial foundation.
Source: Trulia Blog