Spring Cleaning Calendar

March 31, 2017

Spring Cleaning Calendar

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Get the Most Out of Your Spring Cleaning

March 30, 2017

Let’s be honest. For most of us, Spring Cleaning is a job we would love to put off. Not only does it take hours to complete, sometimes days, but you must be self-motivated enough to complete the job. Let me be the first to say that housekeeping can be hard work when it is done right.
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Being organized may be the key to a successful Spring Cleaning. Having a plan will help you zip through these projects in no time. I have created a 30- Day Spring Cleaning Calendar to be sure the “little” things are not forgotten. You can take the “one room at a time” approach or you can “divide and conquer” with individual tasks. How you do it is not important, getting the job done is what matters!

Most people will get so wrapped up in making everything shine that they forget many of the little things that could add up to dust bunnies and runny noses throughout the summer months. The items people are most likely to forget are things that aid us in cleaning like a dishwasher. We use it to get all of our dishes clean but how clean is the dishwasher itself? The list could go on and on but these are some of the most common areas/items in the house that are known to have been forgotten during Spring Cleaning.

  • Ceiling fans
  • Vents
  • Window sills
  • Children’s toys
  • Pet toys
  • Bathroom shower curtains
  • Dishwasher and dishracks
  • Under the range hood
  • The inside parts of the refrigerator
  • Coffee makers
  • Bath mats
  • Area rugs and decorative pillows (These should be washed on a regular basis)

After the house has been cleaned you have one more dreaded task to complete before you are finished. This may not be as bad as cleaning toilets but the pain is real for most.

Cleaning Out Your Closet!

When cleaning out your closet, you have only three choices. Donate-Keep-Trash

You can decide, but here are some tips to help you. As you go through each item, ask yourself:

  1. Does this still fit?messy closet
  2. Have I worn this in the last 12 months?
  3. Is it likely I will ever wear this again?
  4. Is this currently in style and does this still accurately represent my style?
  5. If the garment is damaged, will I actually make the effort to get this repaired in the near future?
  6. If I was shopping right now, would I buy this?
  7. And most importantly: Do I feel confident when I wear this?

If you answered no to any of these questions then you only have 2 options. Donate or trash. Many times people want to have a sale with their unwanted items which is OK if you are in need of money. The purpose of Spring Cleaning your closet is “to get rid” of unwanted items so storing them for a sale later is not recommended when so many charities are longing for your unneeded items.

Here are list of some charities that you may want to consider donating to.

  • Goodwill Industries International, Inc.– Household goods and clothes
  • The Salvation Army – Household goods and clothes
  • Cinderella Project – Donate evening gowns and prom dresses, they collect formal gowns for underprivileged girls so that they can experience prom regardless of their personal or financial situations.
  • Dress for Success – They provide support and career development tools in addition to professional attire. They ask for new or nearly-new and cleaned interview-appropriate attire. You can find your local Dress for Success location here.
  • Pick Up Please is a national nonprofit organization that concentrates its efforts on American veterans and their families. It asks for all clothing styles, regardless of current trends, and will even conveniently pick up donations from your home.
  • You can always donate to your local homeless shelters and battered woman’s shelters. Churches are always looking for donations to help the people that come to them for services.
  • Women’s Shelters is a nationwide directory that offers listings of various female-oriented services, which is particularly useful if you would like to donate in person and simplify the distribution process.
  • If you are concerned about a charity that you would like to donate to,  you can use the following links to evaluate the organization. Charity Navigator and  Charity Watch

So now that we have broken down your Spring Cleaning into 30 days, you can tackle one job at a time instead of in one exhausting weekend. Once you are done and the house is clean and the closets are cleared out it is time for you! Grab dinner and movie, take the kids to the park or lay out by the pool (summer is coming) It is your choice, reward yourself for a job well done and take time to relax!


Rising Rates & Affordability: “How Much Can You Finance with $960/Month?”

March 15, 2017

As rates rise, affordability dwindles.  If you want more home for the same monthly payment, acting before rate rise further may be a direct path to success.

Each example here shows the principal and interest payment for a 30-year, fixed-rate loan.

1) Loan of $200,000 – Interest rate: 4.00% / 4.25% APR – Payment = $955

2) Loan of $180,000 – Interest rate: 5.00% / 5.27% APR – Payment = $966

3) Loan of $160,000 – Interest rate of 6.00% / 6.29% APR – Payment = $959

It’s pretty amazing that a rate increase of just 2% can impact affordability by as much as $40,000.  Rates have been artificially low for some time now due to Fed intervention.  As this stimulus is removed, the usual result is the rates to rise.  Rates have already started rising just in expectation of a change in Feb policy.

Act NOW to buy the house you desire without the risk of losing your opportunity to lock-in these amazing low rates.  I can help you or those you know get a low interest rate loan before further increases go into effect.

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Daylight Savings Reminder

March 10, 2017

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Happy President’s Day

February 20, 2017

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Happy Martin Luther King Jr. Day

January 16, 2017

dreamAll of us at AmCap Mortgage feel that it is s a great day for remembering the people who have worked to improve equality, and for taking the time to consider what we can do to carry on their legacies!

Happy Birthday to a truly amazing man who’s life and influence are still appreciated and observed today!

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5 Warning Signs When Viewing A Home

December 7, 2016

Some buyers are so excited about buying a new home that is perfect for them, that they may disregard what they consider to be “small problems”. However, these “small problems” can be signs of more serious problems with the house and you should not let the excitement of finding the right home affect your judgement on the purchase.
So how do you know when a minor problem is actually a major problem?

The next time you walk through a house, pay attention for these five signs that the property might be hiding an unfortunate secret or two.

  1. Mold, Water Spots and Water Damage

Some signs that you have a moisture problem if you see things such as water stains and discoloration on walls, floors or ceilings and surface abnormalities like peeling, bubbling, and cracking of the paint or wallpaper, it is important to address them and ask if there has been any long term moisture problem in the house. It is inevitable the leaks will lead to mold beginning to grow. So if you know they have had some water problems in the home then it’s a pretty good sign that the house will have mold.
Many would warn against buying a home with mold issues as they are expensive to remedy as they have to be removed by companies specializing in mold or asbestos removal. Once mold is removed, the homeowner must show proof that the home is mold free. If you have a choice between two houses, you’re probably going to sway towards the one with no mold.

  1. Doors and Windows That Stick or Lifted Floors

If you are viewing a home that is still occupied by the homeowners, don’t be afraid to look under the rugs and furniture. It is easy to conceal flooring problems by covering them up with rugs and furniture. While it makes sense that these things would be in a home, especially if people are still living there, be wary if something seems out of place. By being attentive you may save thousands of dollars later.

Any time a floor slants to a level that you feel as though you are walking up or down across the home, this is a significant indicator that the foundation has shifted. Foundation issues result in the movement of the foundation that the entire home rests on, and this can result in an uneven feeling when you walk across the floor.

  1. The Home has Patches of Fresh Paint in Small Areas

Many property sellers will apply fresh paint to walls before listing a home for sale, and this is not necessarily a sign of damage to the home. While a fresh coat of paint is normal, small patches of fresh paint in random areas is more likely the cause of something being hidden It could be cracks or discolored spots that may be caused by water damage or foundation issues.

Be sure to look carefully and ask questions. The paint could be from where a picture was being hung and it was filled in and painted but it is better to be safe than sorry. If spots are found this would indicate that further inspection of the property is in order.

  1. Small Cracks in the Walls

When a home’s foundation shifts, it means that the foundation is no longer flat and level. Some cracks in both interior and exterior walls can indicate that the home’s foundation has shifted and is no longer flat and level. Foundation problems could mean expensive repairs. The price range will vary from bolting on steel braces that could run about $500 for every 6-9 feet to a whole new foundation, which can run up to $40,000. Be sure to check for foundation issues so small concerns do not become big headaches.

  1. You See Mud Tubes on Walls, Joists or Ceilings

Mud tubes in beam cracks, mud tubes on walls, pillars of termite mud tubes indicating termite activity. One sign of termites is mud tubes, which they build and then travel in. Termite mud tubes tell about the age, location, and extent of termite activity or wood destroying termite damage in or on a building or on other wood structures.

Termites can be costly, so you want to make sure your new home is termite-free. If you suspect termites – or even less threatening but equally annoying bugs like ants or spiders—you’ll  want to call a pest control expert to make sure that the problem is taken care of properly.

In Closing:

Remember to check out even the smaller problems with a professional. And take caution at every small issue with the house so you can be sure that your new home is a dream home and that you are NOT stepping into a nightmare that could end of costing thousands of dollars in repairs and a lot of inconvenience.

 

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