Kim Daneault
KELLER WILLIAMS REALTY / Metropolitan | 603-345-7783 | [email protected]


Posted by Kim Daneault on 5/19/2019

When you buy a home, thereís more to shop for than just the right place to live. Before you settle with a lender, you should shop around a bit. You want to be sure that your lender has your very best interests in mind when youíre in the midst of making one of the biggest purchases of your lifetime. Below, youíll find some of the most important questions that you need to ask a lender while youíre in the process of buying a home.


Do You Offer Any Special Programs?


Choosing the right lender involves choosing a firm that offers the types of programs that will be helpful to your specific situation. You should look for a lender that offers a wide array of loans to suit your needs. Beware of any lender who tries to push you into a certain type of loan, especially if you donít feel that it is a good fit for you. 


Do You Understand The Terms Of Certain Types Of Loans?


If you are seeking a certain type of loan, you probably should tell your lender that upfront. Of they seem familiar with it and have worked with the loan before, youíre in good hands. If the type of loan that youíre looking for is more uncommon, then you may need to shop around carefully for the right lender who understands your needs. 


Do I meet The Qualifications For Specific Loans?


The requirements for the same loan at two different lenders could be different. Things like your credit score could be a big factor. If you have a less than desirable credit score, this would also prompt you to want to look around a bit. You should know that different lenders have different terms and looking at a few lenders could be beneficial to you.


What Are The Mortgage Rates?


Youíll need a general ballpark idea of what rates will be for you when you finally secure that home loan. Keep in mind that rates fluctuate often and that an estimate will be just that. Itís not a number that will be set in stone, however, it will give you a good place to start as you shop around for a loan. 


Do You Help With Down Payments?


There are many down payment assistance programs available and your lender can help you to navigate them. The more you put down, the better your interest rate will be. If the amount that youíre able to put down on a home is a factor for you, definitely discuss it with your lender.


Can You Provide Pre-Approval Proof?


In hot real estate markets, youíre going to need some proof that youíre pre-approved in order to have the upper hand once you put in an offer on a home. Your lender should be able to provide your real estate agent with a certified letter of your pre-approval and the amount. 


Choosing the right lender is just as important as choosing the right realtor and the right home to buy. Itís just another part of the home buying process!




Categories: Uncategorized  


Posted by Kim Daneault on 5/12/2019

It can be quite frustrating for a homeowner with a home on the market for an extended period that cannot find the right buyer. Because a lot goes into listing a house and many plans depend on the sale going through, there is an added pressure to get the process over with quickly.

Luckily, there are some things you can do if your home is staying too long on the market to make it more attractive to buyers. Below are some popular alternatives to take when confronted with issues like this:

1. Sell at a later date

While it might be possible to sell a home virtually in any market, it is as well possible that there are other beneficial periods to try to sell your home. For example, trying to sell a house in the winter isn't ideal as the weather makes it difficult for buyers to come to view the house.

2. Rent it out

If you have issues paying your mortgage, you should consider renting out your home. The rent sometimes may be above your mortgage depending on what you offer. Either way, it pays most of your mortgage and lets you manage your finances better.

3. Try a second mortgage

If you are selling your home because you need money, another option could be to take a second mortgage which will free up some of your home equity as cash for you to use for immediate financial needs. You may also seek a home equity line of credit which helps you to access available funds.

4. Lower your selling price

Reducing your selling price can be your last option when your home has been on the market for several months. A drop in selling price would make your home attractive to buyers who are looking to buy a bargain. The reduced asking price will also make it easier for your buyers to get a mortgage.

5. Change your real estate agent

Sometimes the market isn't the problem, but your real estate agent is. In cases where your agent is not experienced enough or distracted from the sale, you may consider switching to someone else to list the home when your contract ends. Find someone that has a marketing flair and can organize regular open houses for your property. This will help to put your home back to the forefront of the real estate market and increase your chances of selling it.

Bear in mind that timing is essential for real estate sales and while you may experience some delay, you can still help the process. Seek the advice of a property expert in re-marketing your home.




Categories: Uncategorized  


Posted by Kim Daneault on 5/5/2019

Volunteering is a great way to begin to engage with your new community. It is also a great way to get your kids involved in their neighborhood, and it provides an excellent teaching and growth opportunity for you and your children. You can start teaching your kids empathy and instill care for their community and world early in life. Even if your little ones are toddlers or elementary students, they can absolutely get involved. So, what options are the best for you and your young children?

  • Adopt more grandparents: Establish a weekly or bi-weekly trip with your kids visiting a retirement community in your area. Teach your kids to make friends and engage with elderly residents. Bring games to play with their newly adopted grandparents and make cards or draw pictures at home to bring on each visit.
  • Adopt a family or child: During back-to-school time or over the holidays adopt a family or child with your kids. Inform them about the reason the family is in need and what you and your children can do to help. Bring them with you to the store and let them select the notebooks, mechanical pencils, toys and necessities to support the family.
  • Community clean up: Your kids can participate in keeping their community beautiful from an early age. From your street to your neighborhood, local park or community wildlife center itís easy to start teaching your kids to preserve their environment with simple trash pickup.
  • Serve meals or donate food: For holidays, or any day of the year, take your kids with you to a shelter or soup kitchen and teach them to give service to those less fortunate. Take your kids to the store to select necessities and canned goods to donate to a food pantry or deliver to homeless you see on the street. By interacting with those in need and offering your services, you can teach your kids compassion and understanding by introducing them to different walks of life.
  • Walk for charity: Make a plan with your kids to join a walk for charity. There are many opportunities for your family participate in charitable walks so start by brainstorming with your kids to determine what charity they want to support. Help them prepare paperwork to ask for donations and practice their requests, then help them learn to follow through by walking with them on the day of the charity walk.
  • Bring joy to a childrenís ward: Commit to a weekly or monthly hospital visit youíre your kids to visit other sick children. Make get-well-soon cards, bring games to play or give out candy and gifts at Halloween, Christmas, Valentineís and Easter. Visiting children in need will teach gratitude and empathy to your kids.
  • Community garden: Teach your kids skills and give them the means to contribute to their community by helping plant and cultivate your local community garden. Work with them to learn which plants will work best in the environment, which will most benefit the neighborhood, and how to care for the plants over time.
  • Visit an animal shelter: Volunteer to walk dogs or play with cats or rabbits with your kids. Sign up for a pet adoption day and have your kids help introduce other kids to new animals for their family. You can even make no-sew toys for cats and dogs at home, using old t-shirts or jeans, and bring the toys to the shelter to donate.
  • Random acts of kindness: Teach your kids to engage in random acts of kindness to show them how to recognize goodness and need in the world and establish in them the habit of always looking for in-the-moment opportunities to do something nice for others. Make sweet little cards at home with candy inside that say "Thank you!" or "Have a great day!." Have them pay attention during errand outings for cashiers, sales clerks or random people in the store that might need a pick-me-up or just for someone to recognize them. Teach them to help their neighbors by offering to help unload groceries, rake the lawn or walk the dog.

There are many ways to start getting your kids involved in and concerned about bettering their community and the world at large early in life. Start when theyíre young and continue instilling in them an ongoing desire to contribute.




Categories: Uncategorized  


Posted by Kim Daneault on 4/28/2019

If youíre looking to save more energy and money around your home, perhaps one of the first places that you should look is your plugs. Take a look around your rooms and see what outlets are being used. If every outlet is full of plugs, you may have some adjustments to make. 


There are so many things in our homes that require plugs including TVís, microwaves, toasters, clocks, refrigerators, phone chargers, and more. 


Anything that is always plugged in actually adds to your electric bill whether youíre using it or not. This is known as phantom power usage. Even when a device isnít turned on, itís still using energy.


You donít want to go around your home and unplug everything, only to plug it back in when you need to use it. Use this handy guide to discover what you should unplug and what you can leave plugged in your home in order to save some energy and some money. 


What To Unplug


Small Appliances


Large appliances in your kitchen would be impractical to constantly plug in and unplug. Smaller appliances, however, are much easier to manage. These include toasters, coffee makers, food processors, and microwaves. The small digital clocks on many of these devices, for example, are constantly using energy. Do you really need the function? If you donít need to know the time, you should just unplug it and save your home some energy usage. 


Chargers


We need to charge just about all of our devices including laptops, iPads, phones, and even electric toothbrushes. these items donít need to be plugged in all the time. Once a device is charged fully, be sure to unplug it. Itís only wasting energy otherwise!  


Computers


Unplug your computer each and every night. Screen savers and sleep modes donít actually save much power from being used while your computer is plugged in. Itís a good idea to keep your computer unplugged for safety reasons as well. A strike of lighting hitting, for example, can cause your entire system to fry.


Keep These Items Plugged In


There are certain items that you can leave plugged in at your home without worry. These items include:


  • Power strips
  • Nondigital items
  • Items without clock or LCD displays




Power strips are particularly useful for items like entertainment centers and computer setups. Flipping the switch to the off position on the power strip helps to stop the phantom power usage. The convenient thing is that you wonít need to plug and unplug everything in individually, and youíll still save power. 


Saving energy and money is easy when you have the right strategies put in place.





Posted by Kim Daneault on 4/21/2019

Painting your entire home can be an appealing idea if you've grown tired of its current color scheme. Paint colors can do much to change the look and feel of a room, but if you aren't ready for the long term process and commitment, there's a much easier alternative. Adding new pops of color can transform your space into a fresh new atmosphere. Here are five ways you can include new colors that will make your space pop!

  • Window treatments make a huge difference in adding additional texture and color to your home. If your walls are neutral, add bold color curtains to brighten up your room. You can also choose vibrant designs that include flowers or patterns. If your walls are already bright and bold, add white or neutral colored curtains to add contrast to your current look.
  • Decorative pillows are sure to refresh any bedroom without much effort. When choosing pillows for your bedroom, incorporate two or three colors that favor the existing look you have. Step out of your comfort-zone and choose pillows of unique shapes, sizes, and patterns that are sure to draw attention to your bed.
  • Updating your current wall art is a sure way to grab the attention of guests, so it's best to apply this update to your living room. There are endless options when it comes to making a statement with your walls. You can choose from a large piece that is sure to stand out or pick a variety of framed art to display. The options here are endless when it comes to wall decor.
  • A new centerpiece on your dining room table will surely be an eye catcher for your dinner guests. For this piece, gather items that can stand tall without taking up too much room on your table. Choose from a tall vase, clear glass containers with candles, or a long wooden box. Add greenery and bright colored flowers to any of these combinations to spruce up your dining space. You can ideally mix and match any of these items and incorporate them into a beautiful centerpiece.
  • Wallpaper comes in many different colors and patterns and can make a difference when it comes to decorating. You don't have to apply it to the entire room for it to work its magic. Apply wallpaper to the back side of shelves, the solid side of a dresser, or even the smooth surface of a door. It may sound like a scary commitment, but rest assured that wallpapers arenít all permanent. There are a variety of peel and stick options that come off easily if you decide to go a different direction. 

Adding an extra pop of color into your home can be simple without the long term commitment. Refresh your space with these simple upgrades and enjoy your new look with loved ones.




Categories: Uncategorized  




Tags