5 Vital Things to Do at Home Before You Travel

 
 

In the days before a big trip, our to-do lists just seem to get longer: Pack an extra phone charger! Pick up that prescription refill! Don’t forget to check in for your flight! There’s so much to remember when preparing yourself for travel that it can be easy to forget to prepare your house, too.

Making sure your home is safe and sound while you’re gone is a crucial part of travel prep — but luckily, it’s not complicated. From better security outside to easier maintenance inside, these simple precautions will help you enjoy your travels with extra peace of mind.

1. Unplug Small Appliances

It’s a no-brainer way to reduce your energy use: Save a few dollars by unplugging your TV, computer, and other small appliances. (Whether you spend that savings on an in-flight cocktail is up to you.) To conserve even more energy, you can also adjust your thermostat and turn your water heater down or off.

2. Get an Extra Set of Eyes

A Ring doorbell or camera can keep you in the loop from anywhere. Replace an existing bell with the Ring Video Doorbell Wired or choose the battery-operated Ring Video Doorbell 2nd Generation: Both feature high-quality live video, motion detection and alerts, and two-way talk. Or try the Ring Floodlight Cam Wired Plus, which has a wide-angle view and bright LED bulbs, plus a built-in siren. And it can’t hurt to have an extra set of eyes inside, which is where the Ring Indoor Cam 2nd Generation comes in handy. (Tell your cat we said hi.)

3. Pause Your Mail

Nothing says “no one’s home” like an overflowing mailbox. If you’re going to be gone for longer than a couple of days, stop delivery of your mail and newspaper. Plus, this way your mail won’t get damaged by the weather while you’re gone.

4. Don’t Forget Your Plants!

We’ve all come home to find a drooping and disgruntled houseplant that’s gone too long without water. Give them a good drink before you leave. Depending on the length of your trip, have a friend stop by to water them while you’re gone, or use self-watering stakes to keep them hydrated.

5. Clear the Air

Three words you never want to say when you get home: “What’s that smell?” Prevent things from getting that far by cleaning out the fridge, emptying the litter box, and taking out the trash. Rinse the garbage disposal with vinegar to clear out any lingering food scraps. And — this one is easy to overlook — toss any fresh-cut flowers. You’ll thank us after your trip.

Keep reading.

Related Links

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

Search Homes in Colorado

Search Homes in Oklahoma

Search Homes in Oregon

Search homes in Minnesota

What Is a Mortgage and How Does It Work?

 
 

Buying a home is a dream for many people, and a mortgage is the most common way to finance it.

If you're wondering what a mortgage is and how it works, you're not alone! Mortgages can be complex, and understanding the process can make all the difference when it comes to making one of the biggest investments in your life. This post will explore and shed some light on what a mortgage is, how it works, and what you need to know before you take out a home loan.

What Is a Mortgage?
A mortgage is a loan that's used to purchase a property. It's a legal agreement between the borrower and the lender, where the borrower promises to repay the loan (plus interest) over a set timeline. Your mortgage agreement will include details such as the loan amount, interest rate, repayment period, and the rules for making payments. There are companies, like USA Mortgage-Volunteer Mortgage Group which specialize in helping people calculate and choose mortgage agreements. When you take out a mortgage, you'll usually need to provide a down payment (typically 5%-20% of the purchase price) and pay closing costs (fees to cover the costs of the loan).

How Does a Mortgage Work?
Mortgages can have fixed or variable interest rates. A fixed-rate mortgage means that your interest rate stays the same for the entire loan term, while a variable-rate mortgage means that your interest rate can change (which could mean you pay more or less in interest). You'll also need to choose between a conventional mortgage (which is not government-backed) or an FHA loan (which is backed by the Federal Housing Administration). Your credit score will also play a role in determining your eligibility (and interest rate) for a mortgage. 

The Steps Involved in Getting a Mortgage
To get a mortgage, you'll need to follow a series of steps. First, you'll need to find a lender (such as a bank, credit union, or mortgage company) and get pre-approved (which means the lender will review your financial information and provide a conditional approval for a loan amount). Then, you'll need to submit a formal loan application, provide documentation such as proof of income and assets, and get a home appraisal, to determine the property's value. If your loan application is approved, you'll close on the loan, which means you'll sign the mortgage papers and pay closing costs.

What You Need to Know Before Getting a Mortgage
Before you get a mortgage, there are a few things to consider. Firstly, think about how much you can afford—your monthly mortgage payment shouldn't exceed 28% of your gross income. You'll also need to have a good credit score (at least 620), a stable job, and a solid financial history. It's also a good idea to save for a down payment—which can help you secure a better interest rate and lower your monthly payments—and to budget for closing costs (which can range from 2%-5% of the loan amount).

Getting a mortgage can be overwhelming, but understanding the process can help you make an informed decision. Knowing what a mortgage is, how it works, and what you need to qualify can make all the difference when it comes to financing your dream home. By following the steps outlined in this post and doing your research, you can become a savvy homebuyer and navigate the mortgage process with confidence.

Get more info on RISMedia.

Related Links

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

Search Homes in Colorado

Search Homes in Oklahoma

Search Homes in Oregon

Search homes in Minnesota

Just Listed: Welcome to your new home on a quiet cul-de-sac in Littleton!

 
 
 

Welcome to your new home on a quiet cul-de-sac in Littleton!

This two story floor plan has had a permitted addition to it, making the kitchen larger with an extra bedroom above. There are five bedrooms total, all conforming. The main floor has vaulted ceilings in the family room and adjoining formal dining space. Also on the main level is the primary bedroom with adjoining full bath as well as a secondary bedroom to use for guests or a home office. The spacious kitchen has a casual eat in nook, large island, two pantries and lots of cabinet space. Upstairs you'll find a spacious loft, two more bedrooms and a 3/4 bath. The finished basement has a large bedroom with egress window, another 3/4 bath, rec room/living room, a storage/workshop area, and a large utility room. There are living spaces on each level, so everyone can have their space and privacy. Outside on your 13,000+ sq ft lot is a storage shed (new in 2020), and multiple fenced off areas to keep projects and pets separated, with lots of area for recreation and gardening! The possibilities are endless with this space. There is a large covered deck, which was previously used as outside living with two ceiling fans and a tv mount. Don't forget the RV parking on the side of the house! With no HOA you can keep your RV close by--no more off site storage fees! There is the local elementary school 0.2 miles away in the neighborhood, plus everything you will need with shopping/groceries/highway access nearby, too! Come see this lovely property and make it your own!

Listed by Jenelle Arthur for West + Main Homes. Please Contact Jenelle for current pricing + availability.

 
 
 

Have questions?
West + Main Homes
(405) 652-6635
hello@westandmain.com

Presented by:
Jenelle Arthur
720-519-9026
jenelle@westandmainhomes.com


Search homes in Colorado
 

Just Listed: Beautifully Landscaped Home in Arvada!

 
 
 

Welcome to your own private sanctuary, on a cul-de-sac, on 1/3 of an acre!

Surrounded by perennials and evergreens from nearly every window, you'll feel the peaceful calm even indoors. Hardwood floors welcome you into the living area from the foyer, with south facing windows overlooking the beautiful yard. A bay window with a window seat and sliding doors to the deck welcome the outside in, with easy access to the kitchen for grilling and dining al fresco. The spacious kitchen features stunning quartzite countertops and down the hall you'll find 3 bedrooms, including a primary suite with 3/4 bath, and a shared full bath. Downstairs in the garden level basement is a huge family room with a gas fireplace and brick surround, a conforming bedroom and a spacious full bath. In addition, a sunny laundry room and a finished storage room with shelving offer great space and functionality. The two car garage features a bump out workbench area and exterior access to the storage shed and backyard. The terraced yard offers incredible privacy, as does the cul-de-sac and setback from the street behind large evergreens. RV parking behind the fence with a large gate is an added bonus. Conveniently located near grocery stores, shopping, restaurants, schools, Apex Community Rec Center and Arvada Center for the Arts.

Listed by Sarah Cavey for West + Main Homes. Please contact Sarah for current pricing + availability.

 
 
 

Have questions?
West + Main Homes
(405) 652-6635
hello@westandmain.com

Presented by:
Sarah Cavey
970-485-0620
sarahc@westandmainhomes.com


Search homes in Colorado
 

Just Listed: 160 +/- acres of gorgeous Colorado raw land!

 
 
 

160 +/- acres of gorgeous Colorado raw land!

Land with sweeping views of the Rockies and plains, located an hour east of Denver. Property is zoned Agricultural and is easily accessed by a newer (2020) graded driveway with almost a full acre of graded and flattened pad ready for a new home or outbuildings to store your equipment and vehicles.

Listed by Kara Flatley for West + Main Homes. Please contact Kara for current pricing + availability.

 
 

Have questions?
West + Main Homes
(405) 652-6635
hello@westandmain.com

Presented by:
Kara Flatley
303-668-7173
kara@westandmainhomes.com


Search homes in Colorado