Lucia Timpone's Blog
20 N. Spring Street, Concord, NH 03301
- Inspect roof for any damage that could have occurred from the harsh Winter weather.
- Look for any other Winter related damage around the parameters of your house.
- Scrape, sand, prime and/or paint any spots around the home that need it.
- Clear out lawn and garden beds from any debris to make way for new growth.
- Plan out your Spring and Summer planting, gardening and landscaping projects.
- Sort through winter clothes before storing them for the season. Donate any items your children may have outgrown and repair anything that needs mending.
- Clean your home top to bottom by wiping down ceilings, walls and baseboards.
- Vacuum and wipe down window panes and sills.
- Consider holding a yard sale to get rid of any extra clutter that may have gathered over the year.
- Deep clean the carpets in your home.
- Clean out the inside of your fridge and vacuum the coils on the back.
- Test all smoke detectors.
- Have your air conditioner serviced before the hot weather hits.
- Pressure wash your house and garage siding as well as your driveway.
- Spray insecticides and bug repellants.
- Inspect fire extinguishers and purchase some if you do not already own any.
- Flip and rotate mattresses and couch cushions.
- Regularly prune trees and shrubs.
- Drain and/or flush your water heater.
- Clean all patio furniture before storing it for the winter.
- Touch up any paint that may be peeling and worn from the Summer heat.
- Check seals on windows and doors as well as caulking. Make sure your home is well-sealed to prevent any energy leaks over the Winter months.
- Clean out the gutters along your home.
- If your home has chimneys have them professionally inspected and cleaned.
- Schedule a furnace inspection before the cold weather hits.
- Take the time to clean and organize your kitchen to prepare for holiday cooking.
- Test and replace batteries in fire alarms.
- Rake up leaves to prevent debris buildup.
- Install storm windows to prepare for colder weather.
- Clean and organize your attic and/or basement.
- Sort through your family's’ Summer clothes before storing them for the season. Donate any your children have outgrown and repair any that need mending.
- Change your furnace’s filters throughout the season as needed.
- Check the grout around your home and repair as needed
- Program your thermostat for maximum energy savings.
- Schedule a termite inspection.
- Clean out the vents to your dryer.
- Before packing holiday decorations up for the year ensure they are clean, organized and in working order.
47 Cambridge Drive, Canterbury, NH 03224
Securing a mortgage can take years of planning and saving. Depending on credit score and financial history, it can be difficult for some people to secure a mortgage with a reasonable interest rate and down payment.
As a result, the U.S. government--at both the federal and state level--has created several programs to make the goal of homeownership more achievable for more Americans.
These programs are designed to help a number of people, including first-time homebuyers, low-income families, people living in rural areas, Native Americans, and veterans and servicemembers of the United States military.
In today’s article, we’re going to be talking about “VA loans,” or loans guaranteed by the United States Department f Veterans Affairs.
What is a VA Loan?
When a bank chooses to approve someone for a mortgage, they have weighed the risks of that person’s ability to pay back the loan. The less certain a bank is that they will see a return on their investment with a borrower, the higher the down payment and interest rate they will require.
One incentive that the U.S. Department of Veteran Affairs offers its service members and veterans is the ability to receive a loan that is, in part, guaranteed by U.S. Government. That means that lenders can safely approve you for lower interest rates and down payments knowing that the money they are lending you is insured.
Who is eligible for a loan?
Loans guaranteed by Veterans Affairs aren’t strictly for veterans. Active duty service members, including National Guard and Reserve Members may also be eligible. In addition to service members, people who are or were spouses of veterans or service members might also be eligible for a VA loan.
Specific eligibility requirements can be somewhat complicated, so it’s a good idea to visit the eligibility page or contact your local Veterans Affairs office.
What are the perks of a VA Loan?
If you’ve spent a significant portion of your time serving in the military, there’s a good chance that saving for a home has been placed on the back burner. Shopping around for a loan with an affordable down payment can be daunting or impossible for many.
Fortunately, with a VA loan eligible recipients are able to receive a loan with a low down payment or even no down payment.
In a time when down payments can average 20% of the mortgage, that can mean a lot of money you won’t have to spend up from. For example, a home that costs $275,000 would have a 20% down payment of $55,000.
What are the fees?
This great deal does come with one catch. As with many loan assistance programs, there is a fee charged for the services. On top of the funding fee charged by the VA, there are other costs associated with buying a home.
These may include appraisals, inspections, credit reports, and more. Additionally, lenders may charge a 1% flat fee for those using a VA loan.