Coleman & Sons Real Estate
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Posted by Coleman & Sons Real Estate on 7/19/2019

If you are considering framing your windows with long curtains and drapes, they are a great way to add unexpected glamour and personality to your home. The biggest challenge that comes with this for most people is the difficulty in selecting curtains. So, before you head out to your home goods store to buy some, check out these hints and tips.

  1. What is the purpose you want your curtains will serve in any given room? Will they provide a splash of color? Privacy? Darkness? Warmth? All of the above? If you opt for lined panels, you will be able to control the temperature in the room, and also regulate the amount of light that filters through. Using a loose-weave cotton lining will help preserve the fabric while still allowing some light to penetrate. For bedrooms, a blackout lining is perfect because it prevents light from sifting through to disturb the sleeper.
  2. Think very well about the color and pattern of curtains you want to use. Curtains max out a significant volume of visual space, and that is sure to reflect on the general outlook of your room. Before you select any final color, request a swatch of the fabrics you have in mind and bring them into the room you want to decorate. Place them on the furniture and against walls to see if they match. You can tape swatches to the wall for a few days before you decide.
  3. Don't hold back on size. Your curtains should be at least double the width of your windows and long enough to reach the floor. Having them puddle on the floor gives a more elegant look. Otherwise, they can stop short of the floor. Short curtains should brush the window sill. If you're buying ready-made curtains, it's advisable to buy them too long and then have them hemmed.
  4. Hardware is important also. The curtain rods should complement the fabric. Use large and decorative rods for heavy drapes such as velvet, while light silks and sheers can balance on lightweight metal rods. The hardware should also match the rest of the room and connect to the design there.
  5. Consider your different needs before settling on fabric options. Cotton is easy to clean and can be used anywhere while velvet can be a little thick and formal for some rooms. In the same way that sheers are rather light and graceful, they don't add much to the privacy of the room.

Its always better to consider future needs before you eventually pick a fabric option. Before purchasing drapes for a home you're selling, talk to your professional stager to make certain they are neutral and complement the home's architectural features.




Tags: home decoration   windows   tips  
Categories: Uncategorized  


Posted by Coleman & Sons Real Estate on 7/12/2019

Few people can save up the cash required to buy a house. If you're contemplating buying your first house, your first stop will probably be your local bank to inquire about a mortgage. When you talk to the mortgage officer, they will ask you to provide several documents. 

Various documents will be required at different stages of the application process, from pre-qualification to the final closing of the real estate deal.

What you need for mortgage pre-qualification

Getting pre-qualified for a home loan allows you to gauge how much you are eligible to borrow based on your income. It will help you be more realistic when shopping for a home and frees your real estate agent to scan through listings with confidence. Homeowners or listing agents will give your offer priority if backed by a pre-qualification letter. It is comparable to the bank vouching for you, saying you have the power to make the purchase. In order to become pre-qualified, your bank will ask for:

- Your full names and the names any co-buyer

- Your current address

- Your net worth

- Sources of income

- The estimated annual income of your household

- The estimated yearly household debt expenses

What you need for mortgage pre-approval

Pre-qualification is optional, though it comes with several advantages and literally costs you nothing to do. Once you're through with that step, you can move on to the actual mortgage application. The first step of that is to apply for pre-approval by filling the full mortgage application form. Below are some of the critical bits of information you will need to supply for this:

- All of your checking and savings bank account statements for the past few months

- Asset statements for items you will use as security for the loan

- Your current residential address

- Address history over the past two years

- Addresses and names of your landlords over the past two years

- Paycheck stubs over the past few months

- W-2 or I-9 forms for each of the past two years from your employer

- Two years of tax returns if you're self-employed

After submitting this information, there will be a waiting period at the end of which your application will be approved or rejected. If their response is positive, you can begin the process of closing the deal.

Contact your local bank and find out what you need to do to get a loan.




Categories: Uncategorized  


Posted by Coleman & Sons Real Estate on 7/5/2019

Want to make your homeownership dream a reality? Get pre-approved for a mortgage, and a first-time homebuyer can move closer than ever before to acquiring his or her ideal residence.

Ultimately, there are many reasons to receive pre-approval for a mortgage, including:

1. You can establish a realistic homebuying budget.

Entering the housing market for the first time can be challenging. In fact, many first-time homebuyers struggle to establish realistic expectations before they begin their home search. And as a result, these homebuyers may end up spending too much for a house.

Fortunately, getting pre-approved for a mortgage enables a homebuyer to enter the real estate market with a budget in hand. This ensures a homebuyer can avoid the temptation to overspend on a residence.

Pre-approval for a mortgage also allows a homebuyer to map out his or her homebuying journey. With a plan in place, this homebuyer may be better equipped than others to acquire a top-notch residence that matches or exceeds his or her expectations.

2. You can speed up the homebuying journey.

Although a first-time homebuyer can always submit an offer on a home without a mortgage in hand, doing so may be tricky. In some cases, it may even slow down the homebuying process, especially if a homebuyer has to allocate significant time and resources to find a mortgage lender.

On the other hand, a homebuyer who gets pre-approved for a mortgage should have no trouble accelerating the property buying cycle. This homebuyer will know exactly how much money is at his or her disposal, and as a result, can speed up the homebuying journey.

3. You can gain a competitive advantage over rival homebuyers.

In many instances, a home seller may be more likely to accept a proposal from a first-time homebuyer who has been pre-approved for a mortgage versus an offer from a buyer who still needs to obtain a mortgage.

A homebuyer who has a mortgage likely won't have to wait too long to acquire a house. Conversely, a homebuyer who needs to apply for a mortgage after an offer has been submitted may need to wait many weeks or months to complete a home sale.

Clearly, there are many great reasons for a first-time homebuyer to receive pre-approval for a mortgage. For homebuyers who want to ensure the best results possible, it certainly helps to collaborate with an experienced real estate agent too.

An experienced real estate agent understands the ins and outs of the housing market and will do whatever it takes to help a homebuyer streamline the property buying journey. This housing market professional will set up home showings and negotiate with a home seller on a property buyer's behalf. Plus, he or she is happy to provide honest, unbiased recommendations to help a homebuyer make his or her homeownership dream come true.

Take the next step to acquire your dream residence get pre-approved for a mortgage today, and a first-time homebuyer can get the necessary financing to purchase his or her ideal house.




Categories: Uncategorized  


Posted by Coleman & Sons Real Estate on 6/28/2019

Anyone can buy a home all it takes is hard work and diligence to evaluate your home financing options. Fortunately, we're here to help you streamline the process of finding the financing that you'll need to pay for a residence.

Now, let's take a look at three tips to help you determine how you will afford a house.

1. Take a Look at Your Current Financial Situation

Put together a monthly budget that outlines your current spending patterns. This will enable you to review how much you earn, what you're paying for housing and other pertinent financial information.

After an in-depth review of your current financial situation, you'll be better equipped than ever before to determine how much you can pay for a house. Then, you can create a homebuying budget to help you move closer to acquiring your dream residence.

2. Get a Copy of Your Credit Report

In all likelihood, a lender will receive your credit score to determine whether you are a viable candidate for a mortgage. If you request a copy of your credit report today, you can learn about your credit score and take steps to improve it before you apply for a mortgage.

The three major credit reporting bureaus (Equifax, Experian and TransUnion) provide one free copy of a credit report annually. If you submit a request for your credit report, you can gain unprecedented credit insights in no time at all.

Furthermore, if you find errors on a credit report, don't hesitate to contact the reporting bureau. This will enable you to fix any credit report mistakes prior to applying for a mortgage.

3. Reach Out to Local Lenders

Banks and credit unions are happy to meet with you and discuss a variety of mortgage options. These lenders are available in cities and towns nationwide and can teach you everything you need to know about home financing.

Ultimately, lenders can explain the home financing process and ensure you can avoid any potential pitfalls along the way. And if you ever have mortgage concerns or questions, lenders are available to respond to them at any time.

If you need extra help prior to kicking off a home search, you may want to contact a real estate agent as well. This housing market professional understands the ins and outs of purchasing a house and can help you plan accordingly.

Oftentimes, a real estate agent will meet with you and learn about your homebuying goals. This housing market professional then can ensure you won't have to break your budget to afford a terrific residence.

If you want to buy a home but have limited finances at your disposal, a real estate agent is happy to assist you. Or, if you are searching for a mortgage but don't know where to begin, a real estate agent can put you in touch with top lenders.

Work with a real estate agent, and you can improve your chances of acquiring a first-rate house at an affordable price.





Posted by Coleman & Sons Real Estate on 6/21/2019

The standard automatic coffee maker can give you a decent cup of coffee with a decent bean and a clean filter. But there are many other ways to get your cup of joe that make the process a bit of a ritual and bring out the flavor of the bean. 

Taking the Plunge with the French Press

The French Press method involves using a glass pitcher with a mesh filter attached to a plunger type lid. Course grind your roasted beans and place them in the bottom of the French Press container. Then pour hot, just under boiling water, to fill the pitcher. Place your lid on top with the plunger handle fully extended where the mesh filter seats atop of the coffee grounds. Set a timer for 4 minutes and after the timer goes off, push the plunger down to the bottom of the pitcher. Pour and enjoy your fresh cup of coffee.

Perfecting the Pour Over Method

Another way to give some ceremony to preparing your coffee is the pour over. This may look like a simple method, but there really is a bit of science to it. First, you need to have a pour over filter holder that is easy to find on today's market. Next grinding your beans is a bit of an art. Too small and you will be drinking the grinds and too coarse and you will get the water just passing over your beans. This may take a couple of tries. Next, your water temp is pretty crucial. As with the French-press, you want just under boiling water. You will want to rinse the paper filter in hot water quickly before placing it in your pour over filter holder which you place on top of your mug. Now put your grounds into the filter and pour just enough water to get the grounds wet and let it stand for about 30 seconds. This step allows the beans to "bloom." Bloom is where the CO2 is released from the beans and keeps the taste optimal. Now slowly pour the rest of your water over the grounds and let your mug be filled with a hand-poured pour-over cup of coffee. The pour-over method is time-consuming but for those of you who savor your coffee drinking experience, this process may be the best part of your day.

Next time you want to enjoy coffee consider branching out and trying one or both of the above methods.




Tags: how to   food  
Categories: Uncategorized  




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