It's crunch time. Work is piling up. The house is dirty. You need to go to the grocery. AHHHHH!!!! The Holidays. Here are just a few simple tips to make those last minute Christmas shopping pick-ups simple.
Make a list:
Prepare a list of the people that you need to still shop for. If no ideas spring to mind, their favorite store - gift cards, gas cards, spa items, gas cards, restaurant gift cards are always a great gift.
Prepare your trip:
Write down on a piece of paper all the stores you need to visit and what you need to get. Make it simple!
Shop alone! Leave the husband, wife and or kids at home. This is not a social event. You are on a mission!
Time of day:
Avoid shopping during high traffic hours (nights, weekends) Go in the morning or early afternoon!
If you have enough time ,this is a great option to avoid all the stores in general and shop in the peace of your own home.
Don't lose sight of the reason for the season with all the hustle and bustle of Christmas shopping. Most importantly enjoy time with family and friends during this great Holiday season.
Thanks for reading. Love, Wendy the Realtor
Amazing murals are popping up all over the town of Fort Wayne lately. I have seen some of them for myself, but I encourage you to utilize this map and take a look.
Trisha and Dennis Rawlings, a couple in their early 30s, are moving to suburban Chicago and leaving their over-60-year-old first home in the St. Louis area behind.
“We were looking at potentially buying a house,” Trisha says. But in the area where they want to live, the options within their budget were limited to purchasing an older home or building a new one.
The couple loved the features of a modern, new-construction neighborhood with a pool, a clubhouse and excellent walkability. And taking out a construction loan and building a house means they’ll avoid the ongoing maintenance that comes with an older home.
With the supply of existing homes available to buy at “an all-time low” nationwide, according to the National Association of Realtors, homebuyers like the Rawlingses and others — including younger buyers — are looking at other options that include building a house. Here’s how to get started if you decide to build a home.
Finding a construction loan
“It all starts with your ability to be financed and what kind of budget can you establish from there,” says Dan Moralez, regional vice president for Northpointe Bank in Holland, Michigan. “You don’t want to be sold something by somebody and then the next thing you find out is that you don’t qualify.”
But not every mortgage banker or broker offers construction loans.
“Most mortgage people will go their whole career without ever doing one,” says Jerry Thomas, a mortgage loan officer in Farmington Hills, Michigan. “Another big group of (lenders) will do one and then swear they’ll never do another one again.”