Kellee Smith's Blog
If you buy or sell a house, you may need to hire a moving company as well. That way, you can work with an expert moving company to ensure all of your personal belongings can safely make it to your new address.
Ultimately, there are lots of things you can do to put yourself in the best position to conduct a successful search for a moving company, such as:
1. Reach Out to Multiple Moving Companies
There is no shortage of moving companies available in cities and towns nationwide. Thus, if you reach out to several moving firms, you should have no trouble finding one that matches your budget.
Account for your moving timeline as you search for a moving company, too. The top moving companies may be in high demand. But if you can give a moving company plenty of notice about your upcoming relocation, you can boost the likelihood that this business can help you on moving day.
2. Request Client Referrals
Sometimes, it can be tough to differentiate one moving company from another. If you ask a moving company for client referrals, however, you can learn from a business' past clients. Then, you can use these client referrals to help you decide if a particular moving company is right for you.
A moving company typically can provide client referrals upon request. Meanwhile, you should ask a moving company's past clients about their experiences. You then can use these clients' insights to determine if a moving company can match or exceed your expectations.
3. Evaluate a Moving Company's Services
Moving companies may provide a wide range of services for residential and commercial customers. As such, you should examine a moving company's services to find a business that can help you accomplish your desired results.
If you need a moving company that can help you pack and move your belongings from Point A to Point B, for example, you should hire a business that can fulfill your request. On the other hand, if you need a moving company that can handle an out-of-state relocation, you should hone your moving company search accordingly.
When it comes to finding the right moving company, you may encounter myriad challenges along the way. Lucky for you, a real estate agent may be able to help you speed up your search to find the right moving company.
In addition to helping you buy or sell a residence, a real estate agent may provide moving company recommendations. He or she also may be able to put you in touch with the top moving companies in your city or town.
For those who want to streamline an upcoming move, it generally is a good idea to hire a moving company. Thanks to the aforementioned tips, you can conduct a comprehensive search for a moving company in your area. As a result, you may quickly find a moving company that can take the guesswork out of transporting all of your belongings to your new home.
When it comes to home buying a home, there’s a ton of different information available out there. A lot of what has been presented as “fact” actually is quite false. These misconceptions could keep you away from achieving the very real dream of home ownership. Below, you’ll find some of the most common myths that you’ll find about home buying.
If Your Credit Score Isn’t Up To Par, You Can’t Buy
To get good mortgage rates, having a good credit score doesn’t hurt. You can still buy a home if you don’t have amazing credit. A low credit score means that your mortgage rates will be higher than the average. There are loans like FHA loans, that allow for you to get a loan with a credit score as low as 580. Don’t let a lower credit score discourage you from buying a home. If your credit score is low, there are plenty of things that you can do to help you fix the score in a short period of time.
You Need 20 Percent Down To Buy A Home
This is a long-standing myth about home buying. While putting down 20 percent on a home purchase saves you the extra expense of Private Mortgage Insurance (PMI), you can still be in the running to buy a home if your down payment is less than 20 percent. There are even some home loan programs that allow buyers to put as little as 0-3 percent down for the purchase of their home.
You Have To Make A Lot Of Money To Buy A Home
Your monthly income is one of many aspects of your financial life that’s considered when you’re buying a home. Home loans can be denied to those who make a large income just as easily as to those who have lower incomes. What matters is the debt-to-income ratio, which tells lenders how much debt a buyer has compared to the amount of income the buyer makes each and every month. Keep your debt down, and you’ll be in good shape to buy a home.
You Don’t Need To Be Pre-Approved To Get A House
Being pre-approved gives you an upper hand in the home buying process. Being pre-approved allows your lender and you to go through the entire process of getting a mortgage. When you find a home that you love, you’re able to breeze through the process of making an offer if you’re pre-approved. The pre-approval process is one of the most important aspects of buying a home.
If you’re prepared with knowledge, buying a home isn’t such a daunting process after all. Find a realtor you trust, understand your finances, and the rest will fall into place!
If you’re a first-time buyer, odds are you’ve never seen or heard much about mortgage applications. However, for something as important as buying a home, it pays off to go into the process knowing what to expect.
Mortgage applications aren’t all that complicated in and of themselves. Most of the time, your chosen lender will walk you through the process and answer any questions that arise. However, complications do arise when it comes time to provide documentation on things like your income.
To make things easier for your first application, I’ve put together this list of frequently asked questions that first-time buyers often have about their mortgage application process.
Will applying for a mortgage hurt my credit score?
Mortgage lenders will run a credit inquiry to help determine your lending eligibility. There are two types of credit inquiries: hard and soft. A soft inquiry is a quick credit check that doesn’t affect your credit score. A hard inquiry, on the other hand, does. This means your score will be lowered slightly for a few months and then will bounce back.
Mortgage lenders run both types of inquiries. For quick, pre-qualifications, lenders typically run a soft inquiry. Then, as you progress through the approval process, they’re run a detailed credit report (hard inquiry).
What information should I have available?
Lenders will ask you for various documents. The most common things they will ask for include proof of income in the form of W-2 forms from the previous year and your most recent pay stub. They will also require a record of your other debts, including student loans, auto loans, credit card debt, and any other outstanding debt that you owe. Finally, they will ask for an inventory of your assets. This could include investments, properties, auto titles, and more.
What if I don’t work a conventional job?
People who are self-employed or have unconventional income can still qualify for a loan and will still be required to show proof of income. Lenders may ask for Form 1099 records, tax returns, or any other record or proof of income you have available.
How long does it take to complete an application?
Mortgage applications can be completed as quickly as you gather the required documentation. However, there’s more to getting approved for a mortgage than filling out an application. There will be time needed to process the application, and underwrite your mortgage. This entire process typically takes between 30 and 45 days.
Is it safe to apply for a mortgage online?
Most lenders allow you to start the application process online and their online portals are typically secure. Make sure you check your browser window to ensure that the connection to the site is secured, and you should have nothing to worry about.
Keep in mind that most online applications are designed to get you prequalified and on your way to getting a mortgage. So, if you want to avoid getting calls from the lender, you might not want to enter any data until you know you’re interested in borrowing at this time.