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.

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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.

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Just Listed: The Perfect Blend of Rustic and Contemporary Living in this 1 Acre Oasis!

 
 
 

Enjoy a peaceful 1 acre oasis with the sounds of the summer breeze in the tall pines.

A wide spacious patio greets you before entering the foyer. Inside, notice beautifully contrasted but seamless blending of rustic and contemporary style. Rusted corrugated metal panels mingle with granite counters, white subway tile backsplash, ss appliances and lofty vaulted ceilings. A chef's kitchen with farmhouse sink, double oven, huge pantry and island bar offer a perfect base for entertaining in the great room with the warming ambiance of the wood stove. The bedrooms all have 9 ft ceilings and 8 ft doors making the home feel larger than it is. Guest bedrooms are on one side of the home with the primary suite smartly placed on the other. Primary bathroom includes dual sinks, tiled shower, soaking tub and a huge closet. The garage w/ 220 leads into a mudroom w/ laundry and dog wash station! Relax in the landscaped backyard w/ a pergola above the large patio overlooking an inviting fire pit area.

Listed by Laura Hughes with That Furrow Crew for West + Main Homes. Please contact Laura for current pricing + availability.

 
 
 

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

Presented by:
Laura Hughes
480-650-7244
laura@westandmainoregon.com


 

Just Listed: Stunning Prairie Style Home in Galveston: A Perfect Blend of Luxury and Convenience!

 
 
 

Greg Welch prairie style home less than 3 blocks from the Galveston shops and dining!

Home has 3 bedrooms plus office, large mud room, and upstairs bonus space. Stunning kitchen with beautiful white honed quartz countertops, built-in True refrigerator, pantry, and ''dry bar'' with drink fridge and freezer drawers. Wood and tile floors throughout the lower level. Primary on main has slider to back patio, automatic shades and smart fan, and huge ensuite and closet. Newer carpet and custom iron railing. The large 0.18 acre lot with covered patio is private and perfect for playing and entertaining! 3 car garage with tons of storage. Speakers throughout (in and out!), and other smart home features as well. This home has it all - location, updates, yard, storage...a MUST see!!

Listed by Jenelle Brewer 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 Brewer
541-350-4187
jenelle@westandmainoregon.com


 

Just Listed: Welcome home to Mt Vista, a quiet cul-de-sac gem on nearly 1/2 acre!

 
 
 

Welcome home to Mt Vista, a quiet cul-de-sac gem on nearly 1/2 acre!

One-owner home with fabulous floor plan and room for all your toys! Welcoming front porch overlooks expansive yard and mesmerizing water feature. Just inside you'll find beautiful oak floors extending throughout the lower level. Front office with french doors looks out to porch. Vaulted living room with fireplace sits just off the open kitchen and dining area with windows and door to yard. Huge kitchen island with granite countertops, pantry, and stainless appliances. Primary bedroom located at other end of lower level boasts large closet and original yet pristine ensuite with jetted tub. Upstairs the loft/bonus space overlooks the neighborhood with views of Mt. Bachelor! 2 bedrooms and a bathroom complete the upstairs. Back patio is sunny in the mornings and shady in the eves - private for hot tubbing, too! Extra deep 3 car garage fits full size truck w/8ft bed. Huge RV cover with paved access and gate. What more could you ask for?!

Listed by Jenelle Brewer 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 Brewer
541-350-4187
jenelle@westandmainoregon.com