Do You Have ‘Average’ Credit? If so, Getting a Mortgage May Be Tough

This article originally appeared on Inman.com 

In the early 2000s, getting a mortgage was hardly difficult thanks in great part to lax lending standards.

This practice eventually led to a bubble forming in the nation’s housing market — which, as we all know, subsequently burst.

Since that time, the pendulum has swung the other way — to an extreme.

Today, lenders require nothing short of pristine credit to obtain a mortgage. We can never return to the reckless lending policies of the past, but I believe they’ve gone too far, and it concerns me.

What will your credit score get you?

I took a look at data produced by the Federal Reserve and was shocked by what I saw. Of the $426.6 billion in mortgage origination during the second quarter of this year, almost 62 percent went to households with a credit rating of 760 or higher.

Borrowers with a credit score in the range of 620 to 659, which many lenders view as below-prime credit, received just 6.3 percent of the dollar volume of mortgages in the second quarter.

Now, when we compare that with the same quarter of 2004, the group with 760-or-higher credit received 23.5 percent of the mortgages, and the 620-to-659 borrowers received 8 percent.

Although surveys say credit is loosening for some types of loans, standards are still far tighter than necessary.

Too risk-averse?

The data raises questions about whether regulators and banks have become too risk-averse. It’s also possible that borrowers without prime credit have just given up owning a home for now.

Figures from property-data provider CoreLogic show that home-purchase mortgage applications from borrowers with credit scores below 640 fell to 6 percent in 2015, from 29 percent in 2005. In other words, lower-rated borrowers aren’t even applying.

But why?

Rising home values might simply be putting property out of reach for a lot of lower-income people.

For example, prices in Seattle are up 55 percent from their 2012 post-crisis low, according to the Case-Shiller Index. Nationally, prices are up 35 percent from their 2012 low.

Higher prices require larger down payments and bigger mortgage payments, especially for borrowers with lower credit scores.

But equally as culpable as rising home prices are homeowners who went through a foreclosure between 2004 and 2015.

Of these 7 million homeowners, only 7.3 percent have obtained a mortgage again, and 69 percent still have a foreclosure on their credit score, thus precluding them from buying again.

The market is making it remarkably hard for many families to buy a home.

I would never suggest that we consider returning to the “old days” of sub-prime lending, but understanding that there are a large number of families who want to buy — and who meet acceptable standards for risk — should give lenders some pause for thought.

Matthew Gardner is the Chief Economist for Windermere Real Estate, the second largest regional real estate company in the nation. Matthew specializes in residential market analysis, commercial/industrial market analysis, financial analysis, and land use and regional economics. He is the former Principal of Gardner Economics, and has over 25 years of professional experience both in the U.S. and U.K.

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Great Design Element: Why Awnings Are Making a Comeback

Awnings are a valuable home design element that our grandparents knew all about. In the days before air conditioning, they were used to shade interiors and help keep homes cool. With the focus on sustainable design today, there’s renewed interest in the power of awnings. They block the sun from entering the house and warming it on hot days, and can be removed or retracted during the winter months when you’re craving light and warmth. Depending on the fabric you choose, they can also keep harmful UV rays from damaging your skin and fading your fabrics.

Awnings 1: Flagg Coastal Homes, original photo on Houzz

Window awnings can reduce solar heat gain in the summer by up to 65% on south-facing windows and 77% on west-facing windows, according to the U.S. Department of Energy. Besides all of that great money- and energy-saving function, awnings are an aesthetic asset. Colorful materials, stripes and scalloped edges are just a few of the options. Awnings bring softness, pattern, color and nostalgic charm to a home’s facade.

This photo shows awnings at work — you can see the shadows they create and how they’re protecting the interiors and the second-floor balcony area from the sun’s rays. Aesthetically, the stripes break up the white on the home — they are the home’s flirty false eyelashes.

Awnings 2: Christina Karras, original photo on Houzz

The retractable awning is curb appeal gold and transforms a space out front into a shady outdoor room. This style of retractable awning has poles that help support it, but there are other options that don’t require the added support.

Retractable awnings that don’t require support poles have retractable arms to support them. This provides a cleaner look. These can extend up to 14 feet.

Awnings 3: Exteriors by Chad Robert, original photo on Houzz

This style of awning, called a spear awning, adds to the style of the home. The decorative wrought iron rods have finials that pick up on the iron lantern and metal furniture frames on the patio.

These awnings are easily rolled up by hand when inclement weather is expected.(You will need to retract awnings when high winds are predicted. The awning company will let you know how many miles per hour their products can withstand.) There are also motorized versions on the market. Factors to consider when deciding whether to go hand-cranked or motorized include the ease of simply pushing a button versus the increased cost of the product, installation and maintenance.

“The motor is an up-charge and usually adds another $800 to the cost of the awning,” says Sandy Price of PYC Awnings. “The motor comes with a 12-foot cord and a plug, or you have an electrician hard-wire it for you.” (That cost is not included in the $800.) By the way, motorized awnings come with a hand crank in case the power goes out.

Awnings 4: Our Town Plans, original photo on Houzz

This roller shade protects those on the porch from the sun and wind. “It has a cable on each side that passes through rings at the bottom of the shade to keep it from flapping in the wind,” says Suzanne Stern of Our Town Plans. The shade has a crank for rolling it up and down by hand (which you can make out on the left side of this photo if you really squint).

Related: Patio Details: Awning-Covered Patio and Playhouse for a Shared Property

Stern also notes that this solution doesn’t change the look of the column and that the shade can be rolled all the way down below the railing.

Awnings 5: Becky Harris, original photo on Houzz

These valance awnings on a house on Florida’s Marco Island are more decorative than functional. They’re installed across extensive porches and tie into larger retractable awnings used in other spots on the home. “The customer used the Costa Track installation so they wouldn’t see any hardware and did a ceiling-mount installation,” Price says.

By Becky Harris, Houzz

The post Great Design Element: Why Awnings Are Making a Comeback appeared first on Best Real Estate Agents in Northern Colorado.

Selling Your Home? Go Through This Safety Checklist With Your Real Estate Agent

Selling your home can be stressful for many reasons. Not only are you trying to get the best financial return on your investment, but you might also be working on a tight deadline. There’s also the pressure to keep your home clean and organized at all times for prospective buyers.  One thing you can be sure of when selling your home is that there will be strangers entering your space, so it’s important for you and your agent to take certain safety precautions.

  • Go through your medicine cabinets and remove all prescription medications.
  • Remove or lock up precious belongings and personal information. You will want to store your jewelry, family heirlooms, and personal/financial information in a secure location to keep them from getting displaced or stolen.
  • Remove family photos. We recommend removing your family photos during the staging process so potential buyers can see themselves living in the home. It’s also a good way to protect your privacy.
  • Check your windows and doors for secure closings before and after showings. If someone is looking to get back into your home following a showing or an open house, they will look for weak locks or they might unlock a window or door.
  • Consider extra security measures such as an alarm system or other monitoring tools like cameras.
  • Don’t show your own home! If someone you don’t know walks up to your home asking for a showing, don’t let them in. You want to have an agent present to show your home at all times. Agents should have screening precautions to keep you and them safe from potential danger.

Talk to your agent about the following safety precautions:

  • Do a walk-through with your agent to make sure you have identified everything that needs to be removed or secured, such as medications, belongings, and photos.
  • Go over your agent’s screening process:
    • Phone screening prior to showing the home
    • Process for identifying and qualifying buyers for showings
    • Their personal safety during showings and open houses
  • Lock boxes to secure your keys for showings should be up to date. Electronic lockboxes actually track who has had access to your home.
  • Work with your agent on an open house checklist:
    • Do they collect contact information of everyone entering the home?
    • Do they work with a partner to ensure their personal safety?
  • Go through your home’s entrances and exits and share important household information so your agent can advise how to secure your property while it’s on the market.

Your safety, as well as that of your agent and your home, is of paramount importance when selling a property. For more information, visit:

http://www.mercurynews.com/los-gatos/ci_26509084/realtors-issue-safety-tips-folks-who-are-selling

http://realtormag.realtor.org/sales-and-marketing/feature/article/2014/09/safety-talk-you-need-have-clients

The post Selling Your Home? Go Through This Safety Checklist With Your Real Estate Agent appeared first on Best Real Estate Agents in Northern Colorado.

How to Reduce Noise in an Open-Plan Design

Open-plan living spaces have many advantages for family life and entertaining, and they increase the opportunity to bring lots of natural light into your home. But they can end up being quite noisy. You may be surprised, however, at how easy it is to reduce sound travel with a few key additions to your furnishings. There are also structural changes you can make if you’re after a more robust fix.

Related: 8 Architectural Tricks to Enhance an Open-Plan Space

1. Dress your windows.

Large areas of glass, such as big windows and glass doors, act as bouncing-off points for sound to travel in an open-plan room. Introducing curtains will help deaden the noise. A sheer fabric works especially well, as it won’t totally block the light or views.

For maximum muffling, curtains work better than blinds, simply because there’s so much more fabric involved.

Reduce Noise 1: Environ Communities Ltd, original photo on Houzz

2. Introduce rugs.

Another way to deaden sound is to cover hard floors with rugs. Here, the use of a rug in the living space both minimizes noise and helps define the seating area, making the room feel more intimate.

When it comes to rugs, the thicker the pile, the better the soundproofing, so a cut-pile rug will tend to work better than a flat-weave design.

Reduce Noise 2: HelsingHouse Fastighetsmaklare, original photo on Houzz

3. Break it up.  If you can, try to break up your open-plan space to create zones. This will also help contain the noise. Here, the fireplace in a freestanding wall maintains a visual connection with the space beyond while breaking up the room to create a more defined living area.

If you want to incorporate a feature like this, bear in mind that you’ll need to position the fireplace so you can create a flue, which will need to go through the ceiling or an external wall.

Reduce Noise 3: Stuart Sampley Architect, original photo on Houzz

4. Add a storage wall. The wood-paneled wall in the middle of this large room works beautifully to separate the kitchen from the living area. This kind of feature can be a freestanding structure or a custom piece of furniture, making it a relatively easy and cost-effective solution to break up the space, since you won’t require any structural elements.

Reduce Noise 4: DTDA pty ltd, original photo on Houzz

5. Fit a feature screen. If you can’t bring yourself to divide the space with something permanent, a nice alternative is to introduce a screen as a buffer between zones. It won’t be as effective as a solid structure, but it will help diffuse the noise slightly. The louvered screen seen here allows a glimpse of the living space beyond.

Reduce Noise 5: Studio Revolution, original photo on Houzz

6. Panel your walls. Large, flat, hard surfaces can amplify sound, so adding texture will help reduce this effect. Lining one of your walls with wood not only creates an interesting feature, it does the sound-dampening job. It’s as simple as using flooring material on the walls instead. For a more traditional look, painted wood paneling works equally well.

Often, walls aren’t completely flat, so you’ll first need to add wood battens to the surface onto which you’ll attach your paneling. A good flooring contractor or woodworker can do this, or if you’re pretty confident at DIY, you could tackle it yourself.

Reduce Noise 6: Honka UK Ltd, original photo on Houzz

7. Bring texture to your ceiling. Just like walls, a large expanse of ceiling will encourage the spread of sound, so try adding a textured surface there too. In this example, the ceiling and walls have been paneled with wood boards painted white.

8. Fashion fabric panels. If wood isn’t your style, consider covering one of your walls with some form of acoustic material. These padded fabric panels are highly effective at deadening sound. You can also buy off-the-shelf acoustic panel systems, which can be fixed to your walls and are easy to install.

9. Go soft underfoot. Hard floor surfaces, such as tile, are less than ideal when it comes to controlling noise, so consider something like linoleum instead, which is a durable and practical finish in a kitchen. It’s also soft underfoot, meaning it will absorb the clunk and clatter of cooking.

By Denise O’Connor, Houzz

The post How to Reduce Noise in an Open-Plan Design appeared first on Best Real Estate Agents in Northern Colorado.

Should I Move or Remodel?

There are a number of things that can trigger the decision to remodel or move to a new home. Perhaps you have outgrown your current space, you might be tired of struggling with ancient plumbing or wiring systems, or maybe your home just feels out of date. The question is: Should you stay or should you go? Choosing whether to remodel or move involves looking at a number of factors. Here are some things to consider when making your decision.

Five reasons to move:

1. Your current location just isn’t working.

Unruly neighbors, a miserable commute, or a less-than-desirable school district—these are factors you cannot change. If your current location is detracting from your overall quality of life, it’s time to consider moving. If you’re just ready for a change, that’s a good reason, too. Some people are simply tired of their old homes and want to move on.

2. Your home is already one of the nicest in the neighborhood.

Regardless of the improvements you might make, location largely limits the amount of money you can get for your home when you sell. A general rule of thumb for remodeling is to make sure that you don’t over-improve your home for the neighborhood. If your property is already the most valuable house on the block, additional upgrades usually won’t pay off in return on investment at selling time.

3. There is a good chance you will move soon anyway.

If your likelihood of moving in the next two years is high, remodeling probably isn’t your best choice. There’s no reason to go through the hassle and expense of remodeling and not be able to enjoy it. It may be better to move now to get the house you want.

4. You need to make too many improvements to meet your needs.

This is particularly an issue with growing families. What was cozy for a young couple may be totally inadequate when you add small children. Increasing the space to make your home workable may cost more than moving to another house. In addition, lot size, building codes, and neighborhood covenants may restrict what you can do. Once you’ve outlined the remodeling upgrades that you’d like, a real estate agent can help you determine what kind of home you could buy for the same investment.

5. You don’t like remodeling.

Remodeling is disruptive. It may be the inconvenience of losing the use of a bathroom for a week, or it can mean moving out altogether for a couple of months. Remodeling also requires making a lot of decisions. You have to be able to visualize new walls and floor plans, decide how large you want windows to be, and where to situate doors. Then there is choosing from hundreds of flooring, counter-top, and fixture options. Some people love this. If you’re not one of them, it is probably easier to buy a house that has the features you want already in place.

Five reasons to remodel:

1. You love your neighborhood.

You can walk to the park, you have lots of close friends nearby, and the guy at the espresso stand knows you by name. There are features of a neighborhood, whether it’s tree-lined streets or annual community celebrations, that you just can’t re-create somewhere else. If you love where you live, that’s a good reason to stay.

2. You like your current home’s floor plan.

The general layout of your home either works for you or it doesn’t. If you enjoy the configuration and overall feeling of your current home, there’s a good chance it can be turned into a dream home. The combination of special features you really value, such as morning sun or a special view, may be hard to replicate in a new home.

3. You’ve got a great yard.

Yards in older neighborhoods often have features you cannot find in newer developments, including large lots, mature trees, and established landscaping. Even if you find a new home with a large lot, it takes considerable time and expense to create a fully landscaped yard.

4. You can get exactly the home you want.

Remodeling allows you to create a home tailored exactly to your lifestyle. You have control over the look and feel of everything, from the color of the walls to the finish on the cabinets. Consider also that most people who buy a new home spend up to 30 percent of the value of their new house fixing it up the way they want.

5. It may make better financial sense.

In some cases, remodeling might be cheaper than selling. A contractor can give you an estimate of what it would cost to make the improvements you’re considering. A real estate agent can give you prices of comparable homes with those same features. But remember that while remodeling projects add to the value of your home, most don’t fully recover their costs when you sell.

Remodel or move checklist:

Here are some questions to ask when deciding whether to move or remodel.

1.      How much money can you afford to spend?

2.      How long do you plan to live in your current home?

3.      How do you feel about your current location?

4.      Do you like the general floor plan of your current house?

5.      Will the remodeling you’re considering offer a good return on investment?

6.      Can you get more house for the money in another location that you like?

7.      Are you willing to live in your house during a remodeling project?

8.      If not, do you have the resources to live elsewhere while you’re remodeling?

If you have questions about whether remodeling or selling is a wise investment, or are looking for an agent in your area, we have professionals that can help you. Contact us here.

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How to Plan a Renovation That Matches Your Budget

When working with a contractor, you may feel like you have little influence over whether your remodeling project stays on budget and hits the finish line on time. But you have more control than you might think. Remember, the scope of your project and the specific materials are up to you.

The key to keeping a project on budget and on schedule is nailing down the details before ground breaks. If you’ve never renovated or built a new home, you may not be sure about how the seed of an idea turns into a completed project. Here’s a road map for two early steps: putting together your renovation team and nailing down your project’s cost.

Bookmark Part Two in This Dream to Done Series

Dream To Done 1: Serenity Design, original photo on Houzz

Who Will Help You Build Your Vision?

Before you meet with a professional, you should know what you want to accomplish. Is your goal to tear out your entire kitchen and start fresh? Or are you looking for less costly upgrades, perhaps replacing cabinet fronts and a tired back splash? Or do you want to remodel your whole house?

Some homeowners know only that the current home isn’t working for them but aren’t sure how to fix it. If you are in this group, you may decide to work with professionals who can help you develop a plan and advise you on cost. A recent survey showed that 85 percent of Houzzers who renovated in 2015 did so with professional help. The survey covered 120,000 registered Houzz users, including 70,000 who renovated.

Dream To Done 2: SALA Architects, original photo on Houzz

What Exactly Do Pros Do?

The most important documents you will need are the construction plans. Your building plans must be approved by an agency to make sure the home is safe and meets local codes. So unless you are familiar with building codes and construction methods, you will want to hire a professional to draft these plans. Rules for which pros can draft plans vary by state (and in some states by county or municipality) and with the size and type of project. Look to the local building department or the professionals you contact to explain the rules in your area.

Each profession has its special emphasis. Architects and interior designers create concepts and draw plans. General contractors build the plans. Landscape architects create designs and plans for outdoor spaces. Design-build firms offer both design and building services, some with in-house architects, others by contracting the design work out.

Houzzers who remodeled in 2015 said the most valuable contributions of general contractors and design-build firms were delivering a quality result, finding the right products and materials, staying on budget and managing the project.

Architects, interior designers, and kitchen and bath designers were appreciated for helping clients integrate their personal style into the design. Houzzers valued architects for understanding and complying with local building codes, and interior designers for finding the right products or materials. But these are only their most-appreciated contributions; each profession has a wide range of skills and resources to offer owners.

Ask About Options

Many pros offer a range of services, from initial design to project management, which may be priced as menu options or charged at per-hour rates. For just one example, architects can provide evaluation and planning services, which can involve site analysis and selection, economic feasibility studies and helping you determine what you want, need and are willing to pay for.

Architecture firms offer design services, including documents that define the space’s shape, and they may work closely with engineers as needed in relationship to the structural elements. They also may offer construction management services, involving consulting and coordinating with the various agencies overseeing your project, or manage the bidding process when you search for the right contractor. These are just a handful of the services your architect may provide, so it is worth asking about pricing and what is involved as you shop around. This AIA guide can be helpful. Also, there could be some overlap in the menus of services provided by the different pros, so be sure that you are clear on what you need and what services each will perform.

Even if you are not planning to hire a professional to design or manage your renovation, you may want to hire a pro on a per-hour basis to help you refine your ideas. “A small percentage of upfront money with a professional can really help clarify the scope of the project and the budget before you get too involved,” says John Firmin, general contractor at Build-A-Home Inc., in Fayetteville, Arkansas, who founded the firm 16 years ago.

Dream To Done 3: Tim Clarke Design, original photo on Houzz

Select Your First Team Member

When hiring your first design team member, you can start with a builder, architect, designer, design-build firm or remodeler, depending on your needs and priorities. If you already know a contractor whose work you like, he or she will probably have a list of architects and interior designers to recommend. That is also true if you start with other pros. You also can use Houzz’s directory to find individual professionals, see their past projects and read client reviews.

Narrow your list down to your favorites and then interview a few people. Ask for — and check — references, and drive out to see past projects. Also, see how it might feel to work together — make sure you have a rapport with the professional. You should find out whether they listen and whether they are good communicators, says Jon Dick, an architect with Archaeo Architects in Santa Fe, New Mexico, who has been practicing 30 years and worked on more than 100 homes. “Their design ability is very important,” Dick says. “But it’s also a long-term relationship. They’re going to ask pretty personal questions and know a fair amount about you.”

You should follow this same basic process with an interior designer, landscape architect, general contractor or design-build firm. Keep in mind that the average kitchen remodel takes about five months once construction starts, but three times that long from initial design phase to completion, according to a recent Houzz survey. So the professionals you hire should be people you like and can communicate with.

Whether to Hire One Pro — or More

Which pros and how many you hire is up to you. Among Houzzers who hired pros for their renovation projects last year, nearly half hired a general contractor, builder, kitchen or bath remodeler, or design-build firm — the professionals who actually build the project. About 20 percent employed an architect, interior designer or kitchen and bath designer.

A recent Houzz survey found that 2015 home buyers spent $66,600 on renovations, while would-be 2016 home sellers spent $36,300 on renovations.

Dream To Done 4: Original chart on Houzz

Be Up Front About Your Number

It’s helpful to be honest about your budget with the professionals you contact. Pros typically work with clients whose budgets are within a certain range. (Sometimes a pro’s range can be found on his or her Houzz profile.) If you fall in love with a pro whose projects start at $50,000, but you have $5,000 to spend, you’re probably not a match. Some homeowners pay a high-end designer to create the initial plan, only to realize that the products and materials suggested are out of range.

Homeowners without constrained budgets may be afraid to be too forthcoming for fear that pros will push them to spend more than they would like. That’s where checking references and finding people you can communicate with comes in. In the process of vetting the pros you are considering, you will find reputable people who will not push you but use your target number to help guide your plan.

Some Averages to Go On

If you have never renovated or built a home, you may have no idea how much it’s going to cost. To give you a sense of average budgets, here are some recent stats: People renovating kitchens had budgets ranging from less than $5,000 to more than $100,000, according to a survey of nearly 2,500 owners conducted by Houzz. One-quarter of renovators had budgets of $25,001 to $50,000, while 20 percent had budgets of $15,001 to $25,000. Only 10 percent had budgets of $5,000 or less, and only 6 percent had budgets of more than $100,000. The range of figures here is national; it should be noted that renovation costs vary by region and even city.

That said, not everyone stays on budget — and that’s true regardless of geography. Only about one-third of Houzzers who renovated last year stayed on budget, while just 3 percent came in below budget. Another third exceeded their budgets, while the remaining third had no initial budget at all. Among those who exceeded their budgets, the top reason was selecting nicer finishes or materials.

Major kitchen renovations cost an average of $50,700 for spaces 200 square feet or larger, while major renos in smaller kitchens cost about half that, according to Houzz data. A major kitchen renovation includes at least replacing cabinets and appliances. Major master bathroom renovations cost an average $25,600 in rooms at least 100 square feet and about half that for smaller bathrooms. A major bath renovation includes at least replacing the vanity or cabinets and countertops and toilet. Doing it yourself, of course, is less costly.

By Erin Carlyle, Houzz

The post How to Plan a Renovation That Matches Your Budget appeared first on Best Real Estate Agents in Northern Colorado.

Make Your Move

Moving is stressful, whether it is across town or cross-country.  Once you have closed on your house, the reality of packing, moving, and setting up a new home can become overwhelming. While no list can make a move “stress-free”, planning ahead and staying organized can help make your move a little smoother.  Here is our list of tips:

Getting started:

· Once you know your prospective move date, set up a quick timeline to make sure you can get all the important tasks done and ready in time for your move.

· Consider how much stuff you have by doing a home inventory. This can help you decide whether you need to hire movers to help you or if you will be managing your move on your own. Many moving companies supply inventory lists to help you assess the size of truck you will need.  You can use your list as double duty for insurance purposes later.

· As soon as you decide how you will be moving, make your reservations. In general, moving companies and truck rental services are over-booked at the beginning and very end of the month.  If you are planning on hiring a moving company, contact a few in your area for a price quote. To find companies ask your real estate agent, family, or friends, and consult online reviews.  It is also a good idea to request a quote and compare companies.

Preparing for your move:

· Moving is a great opportunity to get rid of clutter, junk, or outdated items. Set aside some time to sort through your closets, storage spaces, files, drawers, and more.  Go through cluttered areas and organize items by “keepers”, “give-aways” and “garbage”. You will have less to pack and an opportunity to update after you move. Contact a local nonprofit organization for your donations; some will arrange to pick up larger donations like furniture. If you have items of value, eBay or craigslist are good options.

· Changing your address is one of the more tedious tasks in the moving process. You will need to change your address with the United States Post Office. You can find the online form here: https://moversguide.usps.com/icoa/icoa-main-flow.do?execution=e1s1.

· You will also need to change your address with each account you have. Here is a list to get your started:

· Employers

· Bank(s)

· Utilities (Electric, Water/Sewage, Oil/Gas)

· Cable/ Telephone

· Cell phone service

· Credit Cards

· Magazine subscriptions

· Insurance companies (auto, home/renters, health, dental, vision, etc.)

· Pharmacy

· Other personal services

Let the packing begin:

· Before you start packing, it may help to visualize where everything you have will go. Perhaps furniture will fit better in a different room? Consider the floor plan of your new home and figure out what will go where. This will aid in packing and labeling as you box everything up.

· Use a tool like floorplanner.com to plan where furniture and items will go.

· When it comes to packing you have some options. You can work with a service that provides reusable boxes for moving or you can reuse or purchase cardboard boxes.  Make sure you have enough boxes, packing tape, dark markers, and packing paper.

· Pack rooms according to your floor plan. Label boxes with contents and room. This will make it easier to unpack your home, knowing where everything is going.

· Real Simple magazine has some great tips on packing for your move.

· If you have to disassemble any of your furniture, make sure you keep all the parts and directions together.

· Make sure you set aside your necessities for the day you move. Being tired and unable to take a shower or make your bed can be hard at the end of a long moving day. Here are some ideas of what you may like to pack in your “day-of-move” boxes.

· Clean linens for the beds, pillows and blankets

· Clean towels

· Shower curtain, liner and hooks

· Toiletries, hand soap, tooth brush, etc.

· Disposable utensils, cups, napkins, etc

· Rolls of toilet paper

· Snacks and water

· Change of clothes

· Tools for reassembling furniture, installing hardware, and hanging photos

Making your move

· Come up with a game plan with your family, so everyone has a role and a part to play

· Once the house is empty, do a once over on your old place to make sure it is clean for the next owners/occupants. Here is a useful checklist for cleaning.

Warming your new home

· Once you have settled into your new home, warm it up by inviting friends and family over to celebrate. Here is a great infographic about housewarming traditions and symbolism.

· Announce your move to far-away friends and family through moving announcements to make sure you stay on the holiday card mailing list.

Do you have any other tips or advice for achieving a smooth move?

The post Make Your Move appeared first on Best Real Estate Agents in Northern Colorado.

Make Your Move

Moving is stressful, whether it is across town or cross-country.  Once you have closed on your house, the reality of packing, moving, and setting up a new home can become overwhelming. While no list can make a move “stress-free”, planning ahead and staying organized can help make your move a little smoother.  Here is our list of tips:

Getting started:

· Once you know your prospective move date, set up a quick timeline to make sure you can get all the important tasks done and ready in time for your move.

· Consider how much stuff you have by doing a home inventory. This can help you decide whether you need to hire movers to help you or if you will be managing your move on your own. Many moving companies supply inventory lists to help you assess the size of truck you will need.  You can use your list as double duty for insurance purposes later.

· As soon as you decide how you will be moving, make your reservations. In general, moving companies and truck rental services are over-booked at the beginning and very end of the month.  If you are planning on hiring a moving company, contact a few in your area for a price quote. To find companies ask your real estate agent, family, or friends, and consult online reviews.  It is also a good idea to request a quote and compare companies.

Preparing for your move:

· Moving is a great opportunity to get rid of clutter, junk, or outdated items. Set aside some time to sort through your closets, storage spaces, files, drawers, and more.  Go through cluttered areas and organize items by “keepers”, “give-aways” and “garbage”. You will have less to pack and an opportunity to update after you move. Contact a local nonprofit organization for your donations; some will arrange to pick up larger donations like furniture. If you have items of value, eBay or craigslist are good options.

· Changing your address is one of the more tedious tasks in the moving process. You will need to change your address with the United States Post Office. You can find the online form here: https://moversguide.usps.com/icoa/icoa-main-flow.do?execution=e1s1.

· You will also need to change your address with each account you have. Here is a list to get your started:

· Employers

· Bank(s)

· Utilities (Electric, Water/Sewage, Oil/Gas)

· Cable/ Telephone

· Cell phone service

· Credit Cards

· Magazine subscriptions

· Insurance companies (auto, home/renters, health, dental, vision, etc.)

· Pharmacy

· Other personal services

Let the packing begin:

· Before you start packing, it may help to visualize where everything you have will go. Perhaps furniture will fit better in a different room? Consider the floor plan of your new home and figure out what will go where. This will aid in packing and labeling as you box everything up.

· Use a tool like floorplanner.com to plan where furniture and items will go.

· When it comes to packing you have some options. You can work with a service that provides reusable boxes for moving or you can reuse or purchase cardboard boxes.  Make sure you have enough boxes, packing tape, dark markers, and packing paper.

· Pack rooms according to your floor plan. Label boxes with contents and room. This will make it easier to unpack your home, knowing where everything is going.

· Real Simple magazine has some great tips on packing for your move.

· If you have to disassemble any of your furniture, make sure you keep all the parts and directions together.

· Make sure you set aside your necessities for the day you move. Being tired and unable to take a shower or make your bed can be hard at the end of a long moving day. Here are some ideas of what you may like to pack in your “day-of-move” boxes.

· Clean linens for the beds, pillows and blankets

· Clean towels

· Shower curtain, liner and hooks

· Toiletries, hand soap, tooth brush, etc.

· Disposable utensils, cups, napkins, etc

· Rolls of toilet paper

· Snacks and water

· Change of clothes

· Tools for reassembling furniture, installing hardware, and hanging photos

Making your move

· Come up with a game plan with your family, so everyone has a role and a part to play

· Once the house is empty, do a once over on your old place to make sure it is clean for the next owners/occupants. Here is a useful checklist for cleaning.

Warming your new home

· Once you have settled into your new home, warm it up by inviting friends and family over to celebrate. Here is a great infographic about housewarming traditions and symbolism.

· Announce your move to far-away friends and family through moving announcements to make sure you stay on the holiday card mailing list.

Do you have any other tips or advice for achieving a smooth move?

The post Make Your Move appeared first on Best Real Estate Agents in Northern Colorado.