Do you have a blank wall with no idea what to put on it? Rethink the boring family photo with these interesting ideas.
Get wordy. Whether you’re a logophile or are just looking to amp up the playful vibe of your space, adding large text to your wall can be innovative and inspirational. You can purchase a variety of word hangings online, or create your own with stencils for a literal conversation starter right on your own wall.
Create a mirror collage. We all know a mirror on the wall can open up a room and throw lots of luscious light. But by using many smaller mirrors to create a pattern or design, you can add the benefit of a unique, boho vibe. Choose mirrors in various shapes or with different frames.
Hang a rug. Remember the old tapestries of your dorm room? Hanging a nice, well-made floor rug on the wall is the adult version of this decorating phenomenon. Whether you want a bold color pop or a bright design, pick a blank wall and go wild.
Vertical plants. Snag some aesthetically pleasing wall planters or sconces and create a botanical masterpiece by popping in your favorite succulents or hanging plants.
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If 2020 is the year for you to buy a home, consider making these 5 New Year’s resolutions to help you be as prepared as possible to become a homeowner.
1. Cut down on monthly subscriptions.
With each month, there is a new subscription service out there. What starts as convenience turns into an endless list of subscriptions that we often don’t use enough to justify the costs. Sit down and go through your monthly/yearly subscriptions and cancel whatever you don’t use. Set aside that extra money with the rest of your savings so your down payment can continue to grow.
2. Build a better credit history.
Paying bills on time and paying off debts will help create a solid credit history. Make sure you have some utilities or rent in your name so that you can pay them on time and continue to build a solid credit history.
3. Avoid changing careers.
Alongside income, your employment history will be a major factor during your mortgage application evaluation. While a new job could be a good career move, most evaluators are looking for a steady job history with little to no gaps in your employment over the last few years.
4. Check your credit.
If you don’t know where your credit is at currently, now is the best time to check. Most credit sites will tell you what is impacting your credit, and you can use those tips to change your choices heading into the new year. If large debts are negatively impacting your credit, get started on a pay off plan so your score can improve in the new year.
5. Avoid large purchases.
Your debt-to-credit ratio makes a major impact on your mortgage approval. If you buy a brand new car or fund a large vacation, that ratio could sway in the wrong direction. If you want your lender to be willing to give you the maximum amount possible, make sure you aren’t making any large purchases heading into the new year.
To quote Zillow’s website; “The Zestimate® home valuation model is Zillow’s estimate of a home’s market value. The Zestimate incorporates public and user-submitted data, taking into account home facts, location and market conditions. It is not an appraisal.”
So, what does that mean?
Simply, this is Zillow’s tool to give sellers an IDEA of what their home might be worth. I use the term might very loosely here… keep reading.
What is it based on?
Zillow states that the “accuracy depends on the amount of data we have for the home”. How do they get this data? From YOU! From every homeowner that has logged into their site and put in the information about their home. Yes, they pull tax records and some Multiple Listing System (MLS) data, but they ask uses on their site to up date their personal home information themselves in order to get more accurate results.
So… does this work?
Maybe… maybe not. Do YOU know the true architectural style of your home? Do you know the building amenities that give the most value? If you are updating your facts to show a new roof, are you sure your neighbor is doing the same? What if they take for granted that everyone has an updated kitchen? Or what if they think theirs is updated because they remodeled when they moved in…. 10 years ago?
Confused? I am not surprised. Hang on… I have a solution. Call your local realtor – me. Zillow states: “We recommend that real estate agents and other professionals gain a basic understanding of how the Zestimate is calculated and how to read the Zestimate data accuracy table. This will help them explain to their clients why the Zestimate is a good starting point and historical reference, but should not be used for the final pricing of a home.”
Call me and let’s walk through your home together – show me what you have an have not done – what you love and what you would change if needed. Then, let’s compare them to homes I have seen in your local neighborhood and others that have recently sold. Let me pull comparable properties and property tax records, compare tax assessments and lot sizes as well as home amenities, condition and location. A Zestimate cannot do all of those things… but I can. Let me be your trusted, local real estate professional.
Zillow information found at: https://www.zillow.com/zestimate/