House to Home

Kimberly Shane

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Fixed Rate v. ARM Mortgage

Posted by Kimberly Shane on 12/15/17 4:45 PM

Fixed Rate v. ARM Mortgage
 
I’m almost embarrassed to share this with you all but I am over thirty years old and have now purchased two houses but I couldn’t begin to explain to you the difference between fixed rate and adjustable rate mortgages. If you are in the same boat as me, I hope I made you feel a little better about yourself and if you aren’t, feel free to giggle at the poor soul that I am! But not to worry, today I will learn and I will share with you what I’ve found out about these two.
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Topics: Home Loans, FHA loans, conventional loans

The Piggy Bank: Sensible Spending for Ages 16+

Posted by Kimberly Shane on 12/14/17 6:55 AM

The Piggy Bank: Sensible Spending for Ages 16+
 
I was lucky enough to stumble upon an amazing infographic that laid out some age appropriate lessons that lend themselves to sensible spending in the future! This is an important topic because while our kids are learning a lot of valuable information in school, only 17 states require a high school course in personal finance. That means this responsibility falls on the parents This week we are going to look at the recommendations and abilities of our almost adult children, ages 16 and up. I know, I know; there’s no way you would refer to them as adult children but in these next couple of years they are going to make decisions that could impact them for the rest of their lives!
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Topics: Finances, Money, financial security

What Is Escrow?

Posted by Kimberly Shane on 12/13/17 7:15 AM

What is Escrow?
 
According to Marriam-Webster, Escrow is defined as “a deed, a bond, money, or a piece of property held in trust by a third party to be turned over to the grantee only upon fulfillment of a condition”. When it comes to the purchase of real estate, no matter what role you play—the buyer, seller, lender or borrower, you want to make sure that all the instructions in the transaction have been followed before the money exchanges hands. That is what the escrow holder does. They safeguard the funds and disburse them on only when all provisions of the escrow have been met.
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Topics: Home, Home Buyer, Sellers, home buyers, home buying, Home Selling

Simple to Stunning: Kitchen

Posted by Kimberly Shane on 12/12/17 6:50 AM

Simple to Stunning: Kitchen
 
Is it just me or is this the most intimidating room to take on? I don’t know if it is the cost or the fact that you spend so much time in the kitchen that makes it an overwhelming project but once you get going the results seem to be spectacular! Today’s kitchen is on the design sponge blog. They created a clean, simple, and functional room out of a limited amount of space. They painted the wood cabinets a dark gray, added some exposed shelves and pops of color to dress up the minimalist design in this space. Regarding making final decisions Jackie said, “What really clinched it all was seeing their amazing 3D renderings. It was sometimes difficult to imagine some of these materials together, but that rendering really brought it all home.”
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Topics: Renovate, reno, renovation, Renovation Lending

Causes For Delays In The Mortgage Process

Posted by Kimberly Shane on 12/11/17 6:45 AM

Causes for Delays in the Mortgage Process

“We are clear to close”, words every homebuyer longs to hear from their mortgage banker. Well, if that is the finish line, so to speak, and we know how the race starts; then what keeps what should be a 5k from turning into a marathon? Some factors of course, are beyond our control (those are the most frustrating) but there are things as home buyers that we can do to delay the mortgage process. This is obviously counterproductive so being aware of them upfront is going to set us up for success!

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Topics: First Time Home Buyers, Home, Home Buyer, Buying, home buying

What Makes Up A Mortgage Banker?

Posted by Kimberly Shane on 12/8/17 4:40 PM

What makes up a Mortgage Banker?

Not to worry, this isn’t an anatomy conversation nor is it a list of licensing requirements and continuing education classes. Instead we are going to consider what qualities make up a mortgage banker so you know what to look for when you are considering purchasing a home.

Unlike the scare crow in Wizard of Oz, mortgage bankers could not even get through a morning without a brain. A mortgage banker must know all the requirements of different loan options to determine the best fit for you. Not only do they know what loan products are available and the basic requirements of each but they can talk you through the mortgage process and advise you on what road blocks potentially lies ahead. What does this mean for you? Well, you would want to consider the reputation of that mortgage banker and the company they represent. For example, Stockton Mortgage has been in business for 16 years and in that relatively short time, they have been successful enough to grow from 9 employees to well over 100 and reaching into several states.

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Topics: Home Loans, Home Buyer, mortgage banker

The Piggy Bank: Sensible Spending for Ages 13-15

Posted by Kimberly Shane on 12/7/17 6:45 AM

The Piggy Bank: Sensible Spending for Ages 13-15

I was lucky enough to stumble upon an amazing infographic that laid out some age appropriate lessons that lend themselves to sensible spending in the future! This is an important topic because while our kids are learning a lot of valuable information in school, only 17 states require a high school course in personal finance. That means this responsibility falls on the parents This week we are going to look at the recommendations and abilities of a child between the ages of thirteen and fifteen. 

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Topics: Finances, Money, #SMCsmartmoney, financial

What Makes Up A Mortgage Payment?

Posted by Kimberly Shane on 12/6/17 6:45 AM

What makes up a mortgage payment?

Your mortgage is likely one of the largest bills you pay or will be paying when it comes to your monthly expenses so it would only make sense to know what makes up that mortgage payment. As we review this, please keep in mind that everyone’s circumstances are different and the example we are going to look at is only to serve as an example and not necessarily the way your specific mortgage payment breaks down. That is why you get to work with a specific loan officer who can help answer questions that are specific to your circumstances. I digress. Let’s look at an example of a mortgage payment breakdown.

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Topics: Loans, Mortgage, Home Loans

December Home Maintenance Check List

Posted by Kimberly Shane on 12/5/17 7:40 AM

December Home Maintenance Check List

Man! We are busy, as a society! I often feel like I don’t have time to take a breath and then I look at friends of mine and think, “seriously, where do they find the time to____?”. More often than not, the blank in that question is filled in with some sort of deep cleaning or home maintenance activity. But let’s be honest with one another, to be a good homeowner and to save us money and headaches in the future we should be performing preventative maintenance on our homes. When I used to work in hotels, we made sure that all of the guestrooms received preventative maintenance on a consistent basis to catch maintenance issues before they happened. If hotels do that for the complete strangers that stay with them, shouldn’t we for our families?

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Topics: Maintenance, Home Maintenance

Simple to Stunning: Laundry Room

Posted by Kimberly Shane on 12/4/17 8:30 AM

Simple to Stunning: Laundry Room

I can’t explain my love of laundry room makeovers. I’m not sure if it’s because they are so utilitarian that thought of making it an appealing space means that you have really rounded out the look of your home? Maybe it’s because they are usually such small spaces that taking on this project does not mean big bucks (unless you are buying appliances)? Or maybe doing laundry is the worst so if you can work in a pretty space, it won’t be so bad? Heck, it’s probably all three reasons! I’ve been itching to dress up our “laundry room” (I should say closet) for some time now and I think I’ve found a great before and after on which to base it! Let’s look at the entry from Emerson Grey Designs. Of course, when you check out the pictures you can see that they purchased new appliances but all the other items I would think you could get for next to nothing, relatively speaking. I love, love, love the baskets under the counter that they added in! putting dryer sheets and stain remover in a basket is fine but if you can see down in it when you are doing the laundry it still looks a bit sloppy and if you put it up high where you can’t see the items, it’s a bit irritating to have to stand on tippy toes to get in it. But here, they can just slide out and then back in to hide the mess. AND if you decided to pull out the washer and dryer to clean the floor that counter is not in the way! And the decals on the back wall are just so cool!

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Topics: Renovate, renovation, 203k Loan, Renovation Lending

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