Danny Resendes' Blog
For most homeowners, the last thing they’re worried about is the physical roof over their heads. That is until their roof starts leaking after a storm. Once the water is pouring down and you’re forced to bring out buckets, you’re likely to curse yourself for not thinking about roof maintenance sooner. So, how can you prevent this scenario from taking place? The best way to prevent a roofing disaster is to pay close attention to early warning signs and invest in proper roofing maintenance. Keep reading to learn more about the signs of an aging roof and what you can do to improve your property value with a well-maintained roof.
Check the Paper Trail
Unsure of how long ago your roof was replaced? Follow the paper trail to find important information regarding your roof installation, current lifetime expectancy and any warranties that may still be in place. Typically, a traditional asphalt shingle roof should be good for about 20 to 25 years.
Take the time to look up at your roof now and then to check on the condition of your shingles. This is an especially important habit to get into following a big storm or other inclement weather conditions. Your roof shingles should always appear to be laying flat against the roof, if they appear to be buckling, cracked or damaged, then you should reach out to a professional to discuss repair options.
Avoid Roof Rot
Not only does a drooping, saggy roof look terrible, but it can also cause extensive damage to your home if it’s not repaired quickly. Beware of trapped moisture, sagging spots and rotting boards when inspecting a droopy roof. A droopy or sagging roof should be replaced as soon as possible to help boost your curb appeal and improve your overall property value.
Moss can make for a beautiful feature to your garden or dry-stacked wall but it’s not something you want to see growing in the corner of your roof. Moss almost always spells big trouble for a roof, often indicating a sign of trapped moisture. Moss that grows in shady corners of a roof can be cleaned with a stiff brush and the area should also be inspected for additional problems.
If you think it may be time for a new roof, it’s a good idea to look inside the home as well. Head up into the attic armed with a flashlight and take the time to carefully inspect your eaves. You should be on the lookout for any light beams coming through the top of your home or possible water stains and streaks. These can be signs of a leaky roof and indicate it’s time to call in the professionals.
While replacing a roof is no small feat, it can help protect your home from additional damages and boost your property value as well. Avoid falling into the “fixer-upper” category when listing your home and stay on top of regular roof maintenance.
Interest rates rise in correlation to inflation and other economic activity. When that happens, it can increase housing costs. But the question is, should it prompt you to buy sooner than you’re ready?
The Right Time Is Now
In real estate, the right time is always now for someone. Is it the right time for you? There’s more to determine than interest rates.
Here’s how to break it down:
- Rising interest rates: as interest rises, even a quarter of a point increase can add more than $10,000 to a two hundred-thousand-dollar mortgage. If you can lock in the lower rate, you’ll save nearly thirty dollars each month over the life of the loan.
- Rising housing prices: In addition to the increase in interest rates, as housing prices trend upward, the combination can push you out of contention for certain homes. If you’re on the fence about buying but know where you want to live and what you want to pay, what you know now is more useful than speculating on what might be later.
- Changes in the tax laws: Recent changes mean that writing off interest is limited, but your standard deduction probably offsets it. Work with your tax advisor to see if a mortgage improves your tax situation, remains neutral, or increases your outgo.
- Down payment savings: As prices go up, the amount you need for a down payment goes up too. If you currently have the cash you need to lock in the home you want, you might not want to wait.
- Know your expenses: Buying a house locks you in for the life of the loan or until you sell it. So, if you’re in need of a new car, or have another large expense coming down the pike, calculate it into your monthly budget what you’ll need to handle those expenses as well as your mortgage payment. Avoid stretching yourself so thin that your house payment becomes a burden.
- Review your employment stability. Is there a chance you’ll move away? Change jobs? Retire? Many of the benefits of homeownership come after the first five or six years when you’ve mostly recovered the closing costs with the rising equity. If your intention is to move sooner than that, consider buying now with the intention to turn the property into a rental, or wait until you’re more settled in your location.
The bottom line is that it’s your bottom line that matters. Just because interest rates rise doesn’t mean you should jump into ownership before you’re ready. But don’t let it stop you either. Discuss your plans with your real estate professional. They have a finger on the pulse of the market to help you time when a purchase is right for you.
Picking out flowers to plant in your garden and around your home is no easy task. You’ll have to consider the hardiness of the plants, whether you want them to come back year after year, what colors complement your house, and so on.
Most people just simply buy flowers that look pretty. And while you can get lucky and have healthy flowers that way, a better method is to think about what you’re looking for in a flower.
In this article, we’re going to help you choose the right flowers for your home and lifestyle.
Annuals, biennials, and perennials
One of the first things you should consider is the lifecycle of the flowers. If you don’t want to go through the trouble of choosing and planting new flowers every year or two, perennials may be the best choice for you. Over the long run, you can save money by planting and caring for perennials. However, in the short term, annuals tend to be cheaper to buy.
If you do decide to go with perennials in your garden you’ll need to be careful about which ones you choose. Make sure to look up your plant hardiness zone and only buy flowers that can withstand the colder seasons in your region.
Furthermore, you’ll want to see if there is any special care required to keep your flowers coming back each year. Likely, you’ll have to spend a bit of time aerating and fertilizing your soil to maintain a supply of nutrients to your plants’ roots. Similarly, determine if there is any special care that you can provide in the winter to help the plants return to life next spring.
Annuals tend to be some of the brightest and most beautiful flowers. Some of them, called “volunteers,” can sow their own seeds easily and return the next year with minimum work on your part.
You might also notice that annuals bloom throughout the season. That means you and you family and house guests have more time to marvel at the beautiful flowers they produce.
Some common annuals to plant are begonias, geraniums, marigolds, sunflowers and petunias. If you like to keep a variety.
Like annuals, biennials will die after they bloom. The key difference is that they last for two years not one. During spring of the first year they will grow and stem but won’t bloom. The following spring is when biennials reach their peak.
Just like annuals, biennials can sow their own seeds. However, some are easier to grow than others and you’ll want to encourage them with rich, aerated soil and plenty of water in early spring.
Some common biennials include Black-eyed Susans, Sweet William, Forget-Me-Not, and some garden variety plants like fennel, carrot, and parsley.
There’s more to flowers than just their ability to look and smell nice. Some plants have the ability to repel certain pests.
Marigold can repel certain insects as well as rabbits, chives repel certain beetles and flies, petunias repel aphids (which can wreak havoc in your vegetable garden), and so on.
If you have a pest problem and want to dissuade them from coming back next year, planting pest-repelling plants may be the best option for you.
If you receive an offer to purchase your house, should you accept it? Home sellers across the United States face this question regularly. To determine the right answer, a home seller needs to weigh the pros and cons of an offer.
Deciding how to proceed with an offer to purchase is no easy task. Lucky for you, we're here to help you analyze a homebuying proposal so you can make an informed decision.
Now, let's take a look at three tips to help you determine whether accepting an offer to purchase is the right choice.
1. Review Your Home Selling Goals
Now may prove to be a great time to revisit your property selling goals. That way, you can assess whether an offer to purchase corresponds to these goals.
If you find that a homebuying proposal fails to help you accomplish your property selling goals, you may want to counter or reject the offer. On the other hand, if an offer to purchase falls in line with your home selling goals, you may want to approve the proposal.
2. Consider Your Home Selling Timeline
How much time you have left to complete the home selling journey can have far-flung effects, and for good reason. If you face a tight deadline to sell your home, you may be more inclined than ever before to accept an offer to purchase your house. Conversely, if you can afford to be patient, you may want to reject or counter a homebuying proposal.
Analyze your house selling timeline closely – you'll be glad you did. If you determine there is still plenty of time at your disposal, you may want to reject an offer to purchase that falls short of your expectations. Comparatively, if you are short on time, you may want to accept a homebuying proposal and move forward in the property selling journey.
3. Consult with a Real Estate Agent
Determining how to proceed with an offer to purchase is difficult, regardless of whether you're a first-time or experienced home seller. Fortunately, you can hire a real estate agent who can help you make the best-possible decision.
A real estate agent serves as an expert guide throughout the home selling journey. He or she will help you list your residence and promote it to prospective buyers. Plus, a real estate agent will offer tips to help you differentiate your residence from the competition.
Of course, when you receive an offer to purchase your home, a real estate agent is happy to provide a recommendation as well. A real estate agent is honest and unbiased and has a seller's best interests in mind. Thus, this housing market professional can help you decide whether to accept, reject or counter any offer to purchase, at any time.
Accepting an offer to purchase is a life-changing decision and should not be taken lightly. Thanks to the aforementioned tips, you can evaluate a homebuying proposal and determine whether an offer is right for you.
Believe it or not, all real estate agents are not created equal. But a home seller who goes the extra mile during his or her search for the right real estate agent should have no trouble hiring a diligent housing market professional to provide support along the home selling journey.
Ultimately, there are many reasons to employ a diligent real estate agent to assist you when you sell your house, including:
1. A diligent real estate agent will promote your house to the right groups of homebuyers.
Each home is unique, and as a home seller, it is important to showcase your house in a way that highlights its distinct attributes to the right groups of homebuyers. Because if you fail to do so, you may miss out on opportunities to stir up interest in your residence.
Fortunately, a diligent real estate agent will allocate the necessary time and resources to learn about your house's strengths and weaknesses. With this information, a diligent real estate agent will be able to promote your residence to interested homebuyers consistently.
A diligent real estate agent also will provide home interior and exterior improvement recommendations. That way, you can use these recommendations to transform your ordinary house into a stellar residence before you add it to the housing market.
2. A diligent real estate agent understands the ins and outs of the housing market.
The real estate market is a difficult place for a home seller to navigate on his or her own. Luckily, diligent real estate agents possess the skills and know-how needed to thrive in any housing market, at any time.
A diligent real estate agent can differentiate between a buyer's market and a seller's market and help you map out your home selling journey. By doing so, a diligent real estate agent will work with you to boost your chances of a quick home sale.
Furthermore, a diligent real estate agent wants to share his or her expertise with home sellers. This means if you ever have concerns or questions about selling your house, a diligent real estate agent is happy to listen and respond accordingly.
3. A diligent real estate agent won't settle for inferior results.
Typically, a real estate agent wants to help a home seller get the best price for his or her house. On the other hand, a diligent real estate agent will go above and beyond the call of duty to ensure that a home seller can optimize the value of his or her residence – without exception.
A diligent real estate agent will work with a home seller at each stage of the property selling cycle. And if this housing market professional ever has concerns, he or she is ready to provide honest, unbiased feedback to a home seller as well.
When it comes to selling your home, working with a diligent real estate agent is ideal. This housing market professional will do everything possible to help you generate interest in your house as soon as it reaches the real estate market.