If you are like me, you have phases in your life that trigger reflection on the life you are choosing to live. You have highs where you are overjoyed & lows when you are a muddle of mush. Sometimes I wish I could shave off those highs & lows, be more 'average', but then I remember, that is what makes me me.
And for those of you that know me, you know I love hard, which lends itself to my peaks & valleys.
In the rat race of the holiday & the ending of another university semester for break & as we march into a new decade, I have caught myself reflecting more than usual.
Is anyone else doing this as well?
From career, to family, to home, to my dreams, they have all been considered in the last 10 days.
I am thankful for (in no particular order)
Whatever drives you, feeds your soul, and makes you excited for each day.....reflection helps you remember what that is.
If you are like me, remember to refocus your view to keep your 'thankfuls' centered in the cross hairs of your lens of life.
Happy New Year's Day peeps.
Are All Mortgage Rates the Same
Becoming a homeowner can be a drawn-out process that some people may find tiring and daunting. Looking over all those listings, reaching out to real estate agents, meeting with bank representatives, etc., etc.... The process involves many steps but the most important one is searching for and finding the best mortgage lender for you. If you’re going to be involved with this lender for years to come, it makes sense that you put in the hours to find the best one that will fulfill your needs.
What types of lenders are available to you
It’s All About Consumer Experienc
When a lender goes the extra mile to make sure you have all the information you will need at your disposal, the process will run a lot smoother. Sometimes a bit of hand-holding will make all the difference. Some lenders make themselves available over the phone for consultations, crunch numbers with you and even provide some of the information themselves. All these gestures contribute to smoothing out what could potentially be a bumpy ride toward becoming a homeowner.
Look Into a Lender’s Reputation
One key part of your research should include looking into any possible complaints filed against a lender you’re considering. Good thing there are nationwide organizations that keep consumers appraised of these complaints. This information is free of charge so you can look up any organization such as a bank and get a more solid image of the kind of company they are.
If they have a good standing among consumers, chances are you’ll have a pleasant experience. One thing to keep in mind is that the lending industry is so big that even if a company has some complaints filed against them, that shouldn’t necessarily be a dealbreaker. Look into them with an open mind and decide for yourself if they seem trustworthy enough to pursue a relationship that may last years.
The Final Word
Buying a home is never a simple process, so the first few steps you take are very important. Being well-informed goes a long way toward getting a mortgage with affordable monthly payments. Yes, it can be hard at times but if you push on through in a responsible and educated manner, you’ll get there soon enough. One step at a time will lead you to your new home sooner than you think. Best of luck!
So....its December. IN IOWA. Are you ready? Is your car ready? Is your house ready? Lets check! Out west they already have 12"+ of snow (and yes, I am jealous....I love snow shoeing & snow removal, odd I know).
The lists below provide a reminder of what we should all be checking as we head into the winter season. There is one I would add to the HOME Checklist:
CLEAN YOUR GUTTERS! Be preventive for those ice dams before the start! Or if you starting to feel like me, consider how close trees with needles or small leaves (like willow or locust trees) are to your home.
Finally for your car--I did pretty well on this list! I did however had to remember where I put my camping shovel from last year and put it back in my trunk. By favorite thing on the list--waxing your car. Its strangely soothing to do this, or maybe I just really like my car.
Have a great weekend and get ready for the first day of Winter to arrive (which is also the shortest day of the year!)--mark your calendars--December 21.
Hi, I am Summer, real estate agent in NE Iowa. This blog is about life, of which Real Estate is a part of. Happy reading!