As a homeowner, it has always been important to me that I help other people realize the value of investing in their own future by purchasing a home rather than renting. I was able to get an amazing home through one of my local Lubbock home builders, and immediately had equity in the home when we moved in. Its true, you can get into a financial bind if you own your home rather than rent, but in the long run, it is far more financially sound to purchase a home. But if you want to make the best possible decision, you might want to consider these tips for purchasing your first home.
Don’t spend all the money you have on your mortgage.
Sometimes, people’s appetite for a home outweighs their ability to pay the note, and that makes a home a burden, rather than a joy. If you are budgeting for a home, you should take the money that you want to spend each month on your home mortgage, and make these simple changes to that total.
Only spend half of what you want to on a mortgage.
If you can’t pay the loan off in 15 years, you should be looking at a different home.
If your credit is bad, you need to build it before you build a home.
If you don’t have a 20% down payment, you cant afford the house.
Your bank wont care if you got laid off, sick, or injured, they want their money, so if you cant save a few months of payments in a savings account and NOT SPEND IT, then you aren’t ready for the responsibility of owning a home.
A few other tips could include:
Don’t buy a fixer upper if you aren’t a licensed contractor.
Don’t buy for prestige, it’s just not worth it.
Buying a home because your friends/family likes it is like buying underwear for your mom.
If you are under 30 and reading this blog, I have one final tip for you. Buy half the house you can afford and pay it off in half the time of the note. Then, either live their payment free, or sell that home and do the same thing again, only this time, you can afford a much larger house because of all the equity you have in your first home.
When most people think about termite damage, they normally think about the studs for the foundation of their house. It’s true, with a peer in being foundation it’s important to make sure that you don’t have termite damage, but when termites are found in her West Texas residence, the problem that they cause will extend to every part of the house that has wood in it.
When an inspection for termites uncovers damage in the wood of the home it is important to recognize that those termites have been in that home for an extended period of time. There is no way that termites have damaged the foundation the subfloor the studs but not the roof. However, the rafters in decking of the roof are often neglected went treating termites.
Termite damage affects a building in a unique way. Because of the fact that it is under the surface, the damage that is produced by termites often goes overlooked until a catastrophic failure occurs, and the damage is seen for what it really is. Termite damage in the roof, however, can have implications that are far more severe.
When termite damage is the decking of the roof, the shingles that lay on top of it will not show any damage until such time as a load is placed on them. In one of the worst examples that I’ve ever seen, hey heavy snow fell on a fairly new home, but when the snow became too much for the shingles to bear the weight, the entire load of snow fell into the attic. Being that the homeowners were away on vacation, they had no idea that this had happened until they returned almost 8 days later to discover that 2 feet of snow started falling the previous week have found its way into the attic and was now melting and leaking throughout the entire house. Even though the damage was localized into a 3-foot area, the resulting damage required that the home be gutted and rebuilt.
In order for you to avoid this kind of catastrophe, it is important that you have regular termite inspections for your home. Regardless of the age of your home, termites can infiltrate the walls of your home and cause irreparable damage. If, at any point, you or your neighbor find termite damage it is important that you make sure that the inspector along with a trained and experienced local roofer inspect the attic, Ceiling joists, rafters, and decking for additional termite damage.
Especially throughout the colder months, termites will tend to localize in warmer areas. Your attic is a prime location for them to inhabit. This is due to the fact that our homes are being heeded throughout the winter and that heat can produce a conducive environment for termite breeding and the development of their colony.
Detecting termites, and the damage that they cause, through the use of inspections is vitally important and must be done at least once a year. In order for you to have peace of mind, It would be good to set traps for termites and ants in your attic on a regular basis. Even if no termite damages found stray termites looking for a new home can be caught in these traps and you can avoid costly repairs by simply having your home treated for any found termites.
When selecting a good roofing contractor, home and office owners should consider many different components before deciding who to work with. Variances in pricing, experience fix will be are just some of the standards which clients should consider, to ensure their roofing project is completed properly and safely. Consider each aspect suggested to assist you sort through each one of the available roofing companies, in order to find usually the one that’s best for your needs.
2. Make contact with each of the contractors and request an estimate on your own roofing project
3. Based on the comparisons of professionalism, availability and pricing of each one company, determine the contractor to suit you better
4. Your roofer gives you a contract to look over ensure you study each and every point and agree to these terms prior to you signing
There isn’t any state-wide license that’s required of roofers nevertheless, you can request to view their license and enable that allows them to are employed in the county you are located in.
Its also wise to request to see a contractor’s Workplace Safety and Insurance Board (WSIB) certification, and a workplace insurance.
Training and Experience
It can be crucial that your roofing companies hold the proper training and experience to ensure that the project is fully gone safely and effectively. There are many things you should think about prior to roofing project begins including:
Years available: Companies who’ve been around for countless years should be expected to own strong experience of lots of projects
Experienced associates: Employees which have long-term employment and therefore are trusted people in the organization
Safety: Companies with five or higher members should their very own safety policy, and wish that their team members participate in annual safety courses, medical and CPR
Honesty and services information
Experienced contractors can recognize the precise needs of each one project, and offer the best advice for the purpose believe that is the greatest solution for the roofing needs. Companies must also will give you free estimate until you are chosen this offers good faith inside their advice and services.
Contractors shouldn’t sell client’s services they don’t need, and they must always consider and respect the client’s spending budget.
Some roofing companies offer free repairs for a specific amount of your time when they have built or repaired your roofing. Depending on the contractor, you may also have a 24-hour repair shop available always all year round, which can be of use for problems that occur in the evening and also on weekends. Think about a company’s availability before deciding, in order that they are the most accessible if you want them.
Contractors should not accept almost any payment before job is complete and the customer is satisfied. Make sure that purchasing by your contract you are not responsible for payment prior to the project is entirely finished.
A professional roofing contractor must have a testimonial section either on his or her website or inside their workplace. These testimonials is going to be from previous clients, that are offering their honest feedback on their knowledge of the company.
Avoid companies who claim to remain available for a long time, but offer no feedback from any previous clients. If they’re a whole new company it can be difficult to be aware what form of quality they have recommendations from previous clients could help you in this case. You can always check out some of the reputable directories like Texas Roofer’s Directory. This can be a good sign for a new business as well should there not be a massive list of testimonials.
Roof repair ought to be a stress-free process if you choose the right roofing specialists. Consider these extra steps that contractors might take to give you satisfaction:
Constant updates on your the repair
Providing an on-site supervisor for the utmost safety protocols are invariably in tact
Proclaiming to offer you any paperwork you request ones including safety policies, insurance contracts, plus more
Arriving by the due date every scheduled day and ending the work promptly
Arriving using the proper equipment, tools and material had to complete the tasks of this day
A quality roofing contractor may not offer each and every one of these aspects, but when they offer several services then you are sure to work with professionals. Be sure to shop around and spend some time before committing your home will appreciate it.
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