We are getting ready to start our wall rebuild and window replacement at our house. The top windows have leaked water into the walls and have to be replaced. My brother replaced the bottom windows for me and discovered the damage. As the entire wall replacement was a little more than he wanted to undertake, we have had to hire someone to do it for us. Estimates given, materials delivered, and guess what, it’s going to rain today. Plus the cedar siding that was supposed to be delivered on Friday to finish up the job will not be here until next Wednesday. So we will not officially start until Monday (Labor Day). A few more days of worrying about what we will find inside the walls. But here’s a picture of what it looks like right now. I’ll keep you updated on our progress.
What do you mean, fire your real estate agent? This is a person, whether you are buying a home or selling your house, that you are trusting one of the biggest financial transactions of your life with. You enter into a contract with them. But what if you are not pleased with your interaction with them or the results after you have signed on the dotted line? I recommend professionally speaking with them first and explain why you feel that they are not meeting your expectations. Give them the opportunity to correct the issues. If, after a reasonable period of time, you do not see the desired results, you do have the right to terminate your agreement. I am not advocating for everyone to run out and fire their agent, I am just informing you that you do have options to rectify a bad situation. Even better, do your research up front and interview agents before you make your choice. It is a large financial commitment. Don’t you deserve the best person representing you in that transaction?
As we live near a military base, a lot of the mortgage loans that are used here are VA loans. Another very popular loan is the USDA loan. USDA loans are popular because they are no down payment loans. The USDA loan was set up to assist homebuyers in rural areas. Most of Fayetteville, NC is not eligible for a USDA loan. Currently Hope Mills is a favorite destination for home buyers to qualify for USDA loans (along with Hoke County). As of Oct. 1, 2013, that will change. Hope Mills growth has finally caught up with them and on the first of Oct, most of Hope Mills will become ineligible. You can go online and research the location of any houses that you might be interested in buying before you consider buying them if you plan to finance with USDA. Your real estate agent should be aware of this change and should be able to advise you. It will be a big change for this area. Make sure you do your homework and get a knowledgeable real estate agent and mortgage lender.
Your simple craft project for the weekend. I wanted a touch a color in a drab, shady corner of my yard, far away from the water hose. I decided to add these little colorful mushrooms. $3.00 for three plastic bowls from Roses and a dead pruned limb from my brush pile and I have three little mushrooms growing under my tree! It does not have to be elaborate or expensive to be cute!
I was traveling home from Sanford, NC last night. I had been showing some houses to a new client. It had been storming off and on with rumbling thunderclouds. On Hwy 87, outside of Sanford, double rainbows popped up. They were visible the entire hour ride home. I don’t know what is so exciting about seeing a rainbow, but it is. It was beautiful! I would have posted my pictures last night, but everyone that I knew had posted a picture of their rainbow. It was kind of humorous! But it is also nice to know that we can all still be so affected by beauty around us. Enjoy the little things in life as they come up.
I grew up on a farm. We always had a garden. It was not a trend or a fad, it was just a fact of life. When I first went out on my own, I had a huge garden. Weeded, harvested, canned. Then, as so often happens, life gets busy. Moving, work, kids, no time for a garden. I’m getting back to basics. I realize the limitations on my time. I can’t have a big garden, yet. So I started small, I intend to expand slightly. One tomato plant, one cucumber plant, 3 different pepper plants and we had more than we could eat this summer. Soon I will be planting a couple of fall vegetables, maybe some onions. What a great and productive feeling! You should try it. Doesn’t have to be big. Start small.
If I need to sell my home because I have had to move/relocate or can’t afford it anymore, can I rent it until I decide what to do? Not if you want to get approved for a short sale by the USDA/FHA. Make sure that you don’t move out of the house or if you have to in order to relocate, don’t rent it out. What a catch 22 mess!! Before you get too far behind on your payments or your bills, talk to your lenders and make sure that you understand what the ramifications are. If you still think that a short sale might be a viable option, call a realtor experienced in short sales and get their help.