Redcube Mortgages

Home Mortgages
Redcube Mortgages

Why a family dog makes a house a home

Posted on by

Granted that you are a dog lover and you couldn´t do without a dog at your house, we would like to discuss with you how a dog turns a house into a home.  Also, we want to point out that your spouse, the kids, the grandma, the aunt or uncle, of course, will generate the awesome environment that will turn an otherwise dull space with windows into a warm love-filled home.

Now, going back to dogs, here are the main reasons why we believe that if you do not have a dog in your house, it might not be completely a home.

Dogs are fun!

Even those breeds that were not tailored to perform doggy antics can plant a grin on your face.  Having a dog around the house is always exciting!  You never know what will they be doing next and the expectation is always worth it.  So, you will never have a dull moment.  Even when they mess up that toilet paper.  Come on!

No need for an alarm clock

Dogs usually sleep around 10 hours a day.  The fact that this sleep is broken makes them the perfect morning alarm.  Just ask yourself this: when was the last time you woke up at 5 am to find your dog snoring on his bed?

You will never want to leave the house

For starters, you will feel heartbroken to leave them behind, especially knowing that you will be out from 9 to 5.  But then you will always have another good reason to look forward to getting back home.

They bring happiness and stress relief

Studies have shown that dog owners tend to rate happiness higher than those that do not have one.  This is because dogs bring this special spark to our lives that makes us forget about our issues.  Studies have also revealed that people who take their dog to work or have contact with one before and after work experience lower levels of stress.

Lifestyle Improvement

Since your dog needs exercise, you will get some as well.  Also, kids who grow up with dogs develop fewer dog allergies than kids who do not.

Loyalty at its best

How many of your friends are you certain would be willing to take a bullet for you?  In the case of your dog, you can be sure of it.  Your mutt will stay loyal to you no matter what.  So, you not only have a friend at home but also a protector.  That little fella will not only attack any intruder who breaks into your house, he will dive into the very crossfire with no regard for his own life if he has to protect you and your family.

Are you planning on bringing in a dog to your house? Get in touch with CasaDoodle to adopt your next best friend, an Australian Labradoodle.  We are sure you will love him and he will certainly love you back.

How updating your blinds and carpets can help you sell your house quicker

Posted on by

Although this might seem like a no-brainer, there seems to be a large number of house-owners that do not realize this.  Now, if you are planning on selling your home, you must get in your prepping gear.  It is not about staging but more about improving your house to make it more sellable.

Besides this, people always get the best impression of a clean home, and especially of one that has been recently renovated.  So you get to take care of all the things in your house that need to be fixed.  The basics that need renovation before selling your home are the usual:  the walls, the floor, the porch, pipelines, carpets, and blinds.  Now, the walls are like the face of your house so they ‘d better be sitting pretty.  The floor is the base, the porch is the first impression, and the pipelines are always a headache if they are not working well.  Oh, and allow me to add another: your outer landscape.

In this article, we will mention why is it necessary to update your blinds and your carpets to sell your house faster than your neighbor.

The blinds

There are several ways in which you can update your blinds.  This does not mean to toss away the ones you already have and get yourself new ones.  If you are renovating your house before selling and changed the color of the rooms, you might find that the blinds no longer match.

If that is the case, you can make your blinds match your new color.  You can try pasting a fabric of your preferred color on them.  You could even come up with patterns to match your walls, such as dots, stripes, or any other custom decor.  Think of a large design across all blinds that will be visible only when they are closed.  If you keep this pattern, it will keep your home looking fresh and with no major expenses.

The carpet

When it comes to the carpet, it is very important that you keep it clean and in shape.  On your end, vacuum it frequently and avoid major spills as much as possible.  Remember that if you attempt to wash your carpets with water, they can grow mold if you fail to dry them completely.  You can also use other alternative methods that will not drench your carpet but wash it as effectively. This guide shows you how to clean your carpet without a vacuum

Get professional service for your carpets

Carpets definitively need a constant update.  This involves cleaning, vacuuming, and periodical washing.  In most cases, you will need professional service to schedule a periodic cleaning.  Get yourself the best area rug cleaning service in town and keep your home always looking at its best.  You will create the best impression on your potential clients.

Want to get the best return on your real estate? Invest in Real Estate photography

Posted on by

Here´s the thing.  If you are serious about your real estate business, you cannot ignore real estate photography.  Of course, we are referring to professional photography.

Reasons why you cannot ignore real estate photography

Professional imagery has the ability to stay in the mind of a viewer for a long time.  Especially if it is one that called their attention.  Great photos influence many real estate decisions.  Let´s outline what are some other reasons why you should not ignore professional photography if you want to get the best return on your real estate.

  • Good photos will capture the attention of potential buyers and improve sales.
  • A professional photographer will apply techniques that take better advantage of lighting and composition to make the property look at its best.
  • Professional photography for real estate investors is no longer a luxury, it is a necessity. That, if they want to be a step ahead of the competition.
  • Studies have demonstrated more than once that the majority of clients have found photographs a great influential factor in the decision making of purchasing a property.
  • The bar has been set high for house hunting.  Buyers want to be impressed and this is not getting any easier.  They are mostly tech-savvy and are not easily pleased.  Give them a stunning image and you will be influencing their decision to buy your property.
  • Remember that the idea is to call the attention of clients.  The competition is stiff in real estate, so you need to lure clients to your listings and show them what it is that you have that others do not.  A good real estate photography goes a long way in showing your clients that you are serious about it.

Importance of real estate photography

Professional imagery of your properties will definitively guarantee that you make sales faster.  This is something that you should not overlook.  Amazing photos that are able to tell the goods in your property is what buyers are looking for.

The purpose of professional photography is to make your listings stand from the competition.  There is a cost involved but you will soon discover that the return makes the investment justifiable.

When hiring a professional to take the photos of your property, consider that styles are different and not every photographer is appropriate for you.  They all have their own style.  Browse over sample listings and decide what it is that you want your professional photographer to put out there.

Visual marketing is powerful and this is something you must be understanding of.  Placing your professional photographs in many sites will increase your chances of getting sales and referrals.

Selling Your Home? Get Rid of the Clutter by Renting Storage

Posted on by

clutter

Are you planning to sell your home? But have you taken care of the clutter? If clutter is the problem, your best option is Los Rios Storage since it is the best storage in Kamloops. Taking care of clutter is the best way to increase the market value of your property because a cluttered property is an automatic turn off for potential buyers. All the stuff that they don’t need lying around, this can just easily change their mind and avoid purchasing your property.

For all your clutter and storage problem, you can count on self storage units to solve it. It’s like having an extra room in your house to store the not-so-important things that you’re not ready to throw away just yet. Although, you don’t really have to build an extra room—you just rent it. It’s cost effective because when you no longer need their services, you just end the contract.

Inventory Your Stuff Before Storage

It is important that you make a complete and thorough inventory of your things before you ship them to self storage. This will ensure that you have an idea about what items you have shipped away or which ones you decided to remain at home. Also, if you can’t find your stuff, you can just go back to your inventory to find out if it’s in the storage unit.

Having an inventory will also ensure that you and the storage facility are on the same page as regard your stuff. They have a list of the things that you entrust to them and you have a copy of that same list. When the time comes to end the contract of storage, you can just go back to the list and check if all the things are still present.

Check the Reputation of the Storage Facility

Since there are a lot of facilities offering storage units, it can be tough to choose who to entrust your things. One of the ways you can check is to ask around for their reputation in the locality that the company is located. This can mean talking to actual people but you can always go online and ask around forums.

You can also read online reviews. With the open Internet, there is always somebody out there who has tried the services of a storage company and would be willing to share his or her experience. This will give you a good idea about the company you want to entrust your things to.

Could you possibly have a relative or family member who has tried renting a storage unit before? Why not ask around? Who knows, the resource person that you need is just another cousin who just recently tried shipping out things to storage units. Ask about his or her experience. Was it satisfactory or mind blowing? Would he or she recommend the facility? How about you? Do you have an experience with a storage in Kamloops? Share us your experience by posting a comment below.

How A Great Backyard Improves The Value of your Home?

Posted on by

There are a lot of landscaping ideas out there from adding trees to improving the wall design on your backyard. You can practically name dozens of ideas that would improve the appeal of your home which doubles as a hobby and an investment at the same time.

It’s not easy to own a decent home nowadays because the market has gone up and the large metropolitan population has occupied most of the good space. This is why if you already own a house treat it like a king could live in it.

Enjoy the space at the curb you own. Give it a little customization work so that it will have that personal touch showing visitors the identity of the home and the people that live in it. However, be careful when working on your backyard because too much individualized customization may ruin it.

This is especially important for homeowners looking to sell their house. Landscaping, if poorly executed, will make or break a deal for a potential buyer and your mortgage broker will have a hard time getting you a good deal on your appraisal. Even homeowner clubs come up with rules for too much landscaping because they’re trying to prevent owners who overdo it.

Market analysts have placed backyard landscaping design as having a significant impact on the value of a house when it goes up in the market. The added value goes even higher if the homeowner manages to make their already good landscaping work become a backyard that looks like a top level professional landscaping team had done it.

The prospect of increasing home value can be really enticing. However, you mustn’t do this to eventually ruin the house once you’re done. This is a bad idea waiting to happen and when it goes badly you won’t be able to ask for a refund. Remember to enjoy the whole process while keeping in mind that this is also an investment for the future.

10 Important Questions To Ask While Applying For Home Mortgages

Posted on by

house-961401_1920Are you thinking about buying a home and considering home mortgage as the primary option? Then this article is meant for you to gain all the necessary information regarding what questions should be asked while going for the option of the home mortgage.

You should make sure that all your doubts are cleared and for that reason, this format of the questionnaire has been designed. The main aim is to provide the readers ultimate convenience to prevent any future scenario of misunderstanding or confusion.

The 10 Questions You Should Ask At the Time of Mortgage Application

Find Out The Interest Rate. The Question For This Is- What Is The Current Interest Rate On The Specific Home Mortgage?

You have to ask for the mortgage estimate to the lender, and it is very significant in the case of breaking down the rate of interest and even sometimes other fees. Ask about the APR or Annual Percentage Rate that affects the fees, diverse points, interest rate related to what you are going to pay for the mortgage.

How Many Origination Points Are There Available And What About The Discount?

Keep one this in mind, discount points play the vital role in reducing the rate of interest. Those points are tax-deductible as well as those are considered as prepaid interests. The fees charged by the lenders for covering the costs of loan originating are known as origination points.

What About The Closing Costs?

The borrowers have to pay different fees in exchange of the lender’s services. In this case, you should ask the lender to give written estimates of all the costs which you can ask within three days of collecting loan application.

When And How Can You Lock The Rate Of Interest And What Is It Going To Cost?

Interest rates get fluctuate all the time. However, especially in the time between you have applied for a home mortgage and the closing, if it fluctuates then you might get a huge loss. So, to prevent higher interest rate, ask about locking the rate and points for a particular period.

What About The Prepayment Penalty Related To The Loan, Is There Anything That Kind Associated With It?

In case you prepay on the home mortgage, some of the lenders charge penalty. So, find out all the specifics associated with a penalty.

What Is The Minimum Required Down Payment Attached With The Loan?

In most of the cases of home mortgage, bigger down payment points towards low-interest rate as well as very better loan terms. In the case of less than 20% down payment, you have to think about home mortgage insurance for which you have to increase the monthly payment.

What About The Qualifying Guidelines?

You should ask regarding the requirements about the income, liabilities, employment, credit history as well as assets.

What Documents You Have To Provide For The Mortgage?

Sometimes, lenders need income proof, proof of assets, bank statements, proof of tax returns, pay stubs, W-2 statements, etc.

How Much Time Will It Take To Process The Mortgage Application?

Ask this question to the lenders and make sure to enquire about the speed up the process and it depends on the busy hours of the lender. You have to be patient for this.

What Are The Chances Of Delay In Case Of Home Approval Mortgage?

Sometimes, job change, salary increment or decline, new debt, change regarding credit history, any change in marital status delays the loan approval. Better to ask all about the delay regarding approval of home mortgage.