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Mortgage DOs and DON’Ts for buyers to follow during their loan process

Mortgage DOs and DON’Ts for buyers to follow during their loan process

Feb 23, 2016

BY: Juan Gonzalez Mortgage Team DO: Keep All Records in Good Order. Availability – Keep your financial records close at hand in case updates are requested. Income – Be aware that underwriters typically verify your income and tax documents through your employer(s), CPA, and/or IRS tax transcripts. Hold onto new paystubs as received. Assets – Continue saving incoming account statements. Keep all numbered pages of each statement. Ex. 8 of 8. Gifts – If you’re receiving any gift money from relatives, they’ll need to sign a gift letter (we’ll provide) and an account statement evidencing the source, which must be “seasoned” funds. Current Residence – If you’re renting, continue paying your rent on time and save proof of payment. If you’re selling your current residence, be prepared to show your HUD-1 Settlement Statement. If you’ll be renting your home, you may need to show sufficient equity, a lease and receipt of the first month’s rent and security deposit. Keep your credit shining. Continue making payments on time. Your credit report may be pulled again, and any negative change to your score could cause you to lose your approval and your home. Understand that things have changed. Underwriters require more documentation than in the past. Even if requests seem silly, intrusive or unnecessary, please remember that if they didn’t need it, they wouldn’t ask. DON’T: Apply for new credit. Changes in credit can cause delays, change the terms of your financing or even prevent closing. If you must open a new account (or even borrow against retirement funds), please consult with me first. Change jobs during the process. Probationary periods, career or even status changes (such as from a salaried to a commissioned position, leave of absence or new bonus structure) can be subject to very strict rules. Make undocumented deposits. Primarily large but sometimes even small deposits must be sourced unless they are identified. Make copies of checks and deposit slips. Keep your deposits separate and small. Avoid depositing cash. Wait to liquidate funds from stock or retirement accounts. If you need to sell investments, do it now and document the transaction. Don’t take the risk that the market could move against you leaving...

What do the numbers on a bag of fertilizer mean?

What do the numbers on a bag of fertilizer mean?

Jan 6, 2016

Have you ever wondered about it? They are simply percentages by weight of the three most essential elements, always listed in t his order” Nitrogen (N), Phosphorus (P), and Potassium (K). So, 10-10-10, for instance, means that each element makes up 10% of the mix or 30% together. The other 70% is filler that helps in distribution. Various mixes are available. Nitrogen helps your lawn grow lush and green, and generates a leafy foliage in garden plants. A high Nitrogen count in spring helps get plants popping. Phosphorus helps promote healthy root systems, flower blooms and fruit production. If you want the plant’s energy go towards flowers or fruit rather than leaves, pick a blend with the middle number higher than the first. Potassium helps build strong cells which keep the plant healthy in the stress of heat, cold, pests or disease.  A high third number in the fall will help keep plants in good shape over winter and into spring. Visit my website www.RealEstateOnHeels.com for local listings and community information. Enhance your curb appeal with a winning landscape. An appealing landscape lets you enjoy your home more now and earn more when it’s time to sell it. When you are ready to move, call me. I am an expert at selling my clients’ homes faster and for...

Major Atlanta Restaurant Group Closes Overnight

Major Atlanta Restaurant Group Closes Overnight

Oct 6, 2015

October 6, 2015 by Suzanne Taylor For those of you who go in to Atlanta to eat, you may be shocked to learn that Here to Serve restaurant group that owns Aja, Coast, Goldfish, Noche, Prime, Shout, Strip, Twist, Shucks and Smash all closed according to Tomorrow’s News Today. Coast had 2 locations and one was OTP in John’s Creek. Atlanta-based Here to Serve Restaurants informed their staff at about 5 PM on October 5th that they are shutting down and that all restaurants will close. The news came as a shock to many in the restaurant industry, especially the nearly 1,000 employed by the group’s ten Atlanta area restaurants. Here to Serve operated three Noche locations (Brookhaven, Virginia Highland & Vinings) two locations of Coast (Buckhead & Johns Creek) Prime, Shucks, Smash, Strip and Twist. We wish the employees the best of luck. Read more at Tomorrow’s News...

Convert a Bland Wall Into a Stunning Design Feature

Convert a Bland Wall Into a Stunning Design Feature

Sep 30, 2015

Just because a new home comes with fresh white walls doesn’t mean they have to stay that way. A statement wall can pull a design together, add personality, and make furniture and accessories pop. Creating an eye-catching feature can be simple, starting with a wall to highlight. Whether you choose to make a statement with a bold, bright wall color or an exotic, textured wallpaper, the key is to balance it with other design elements in the room. Choose a Focal Point — Decide what aspect of the room you would like to draw attention to. Fireplaces, large furniture pieces and artwork are popular focal points. If your room doesn’t lend itself to having a statement wall, highlight existing features like a small office nook or an inset wall. Pick a Bold Color or Pattern — Choose a bright color, interesting texture or striking pattern for your statement wall. Pick up a color from the furniture or textiles already in the room or go with a contrasting color to stand out more. Place Furniture for Maximum Impact — Arrange pieces of furniture to draw attention to your statement wall. For example, two light-colored occasional chairs on opposite sides of a darkly painted wall attract the eye and create a focal point, particularly when they’re coupled with pops of color in pillows, lamps and art. Add Accents — Finish off a room’s design by carefully placing accessories that highlight your statement wall. This is the perfect opportunity to integrate your personality into your home. Show off your favorite artwork, family heirlooms or travel...

Fast and Easy Updates to Help a Home Sell

Fast and Easy Updates to Help a Home Sell

Aug 14, 2015

We are smack dab in the middle of home buying season, and while some properties are off the market before they’re even on it, others haven’t had such luck. A great way to boost your home’s selling power is to make small and affordable updates throughout the home. These quick updates and fixes won’t break the bank or a budget, and they will help make your home more inviting to potential buyers and a potential sale. Spruce Up the Front Door. The front door is one of the first things potential buyers see when viewing your home. Spruce up the front door by touching up paint (either paint over chipped or fading paint, or change the color completely), adding a kick plate, changing out the hardware, or you can replace the door completely. A new front door can add energy efficiency and additional security if you choose a metal door. Making the front door pop not only adds a special touch to your curb appeal, but potential buyers definitely notice a door that’s been taken care of. Freshen Up the Kitchen. Kitchens appeal to so many buyers. If you don’t have the budget or time to overhaul your kitchen, don’t panic. If you have nice wood cabinets and don’t have the budget to update them, consider adding a coat of paint to freshen them up. You can also add new hardware (knobs, handles or pulls) to help give cabinets a younger look. You can also change out any outdated countertops, and adding a new faucet to the sink is another way to give a kitchen a new vibe. If you have the time and the budget, consider changing any flooring that is chipped, cracked or broken. Vinyl flooring is economical and affordable, and it’s available in a number of types and styles to suit any kitchen design. Update Porch Columns. Porch columns are another item buyers see immediately; if you have columns that have chipped paint, are decaying, or don’t match the style of the home, consider updating or replacing them completely. Sand and paint over chips, or update the look with vinyl wraps. If you have the budget to replace the columns, consider...

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