Sumathi Narayanan Realty's Blog
Installing a hot tub can be a fun improvement to add and can be a great feature in your home. Just in case you’re not familiar with hot tubs, they are small pools or large tubs full of heated water used for relaxation, pleasure or even some therapy.
While some hot tubs are simple, some come with powerful jets used for massage purposes. At first, many people think hot tubs are just an expensive mini pool for the rich to relax but that's not true, hot tubs are affordable, and they can improve your health if installed in your home and regularly used.
Here are seven ways of soaking in a hot tub can boost your health
1. Give you a better sleep: Hot water provides relaxation which helps in sleeping. When you soak your tensed body in a tub of hot water, the heat aids in raising the body temperature and relaxes the muscles, therefore, making the body to sleep better. Taking a soak in warm water before bedtime will relax your body and make it easier to fall asleep.
2. Reduces stress: Reducing stress have a definite improvement in your health mentally and physically as well as promoting the feeling of general well-being. Lying in a hot tub of warm water will help you stimulate your body's natural endorphin thus reduces your stress level.
3. Improves circulation: soaking yourself in a hot tub will slightly increase your heart rate and body temperature, which in turn improves blood circulation.
4. Eases sore muscles: If you are an athlete or do any rigorous job, sure you will be suffering from sore muscles, muscle pulls now and then. Hot tubs can help erase that pain. The hot water will help re-energize your muscles so they'll be in good shape for the next day.
5. Reduces lower back pain: According to statistics, lower back pain is the second reason Americans visit the doctor. Regular session in your hot tub will help you relive the pain.
6. It helps in cleaning the body: The heat from the hot water open ups your pores and allow water to sink into the skin to clean out dirt and toxin from the skin and make your skin shiny and healthy.
7. It can relieve headaches: if you suffer from constant headaches, try soaking in a hot tub and see how the pressure in your head decreases to help relieve the pain.
Hot tubs come with a lot of health benefits. Installing one in your home will boost your home value when you intend to sell, and will definitely be a great place to relax and unwind.
After you accept an offer on a home, you likely will only have a few weeks to pack up your belongings and vacate the premises. As such, there are many questions that home sellers need to consider at this point, including:
1. Where am I going to live?
If you haven't figured out where you're going to live after your home closing, there is no need to panic. Consider all of your potential living options now, and you can plan accordingly.
Oftentimes, friends and family members may be willing to provide you with a temporary place to live. These loved ones may enable you to stay in their houses until you buy a new residence. Or, in some instances, you may be able to permanently move in with friends and family members.
On the other hand, if you enjoy being a homeowner, you may want to kick off a home search right away. This will enable you to find a new place to live in the city or town of your choice. Also, if you work quickly, you may be able to finalize your home purchase around the same time that you sell your current house.
2. What is the homebuyer's next step?
In most cases, a homebuyer will have a set amount of time to schedule a home inspection after you accept his or her offer. Once the home inspection is complete, the buyer will receive a report that provides insights into the condition of your house.
For home sellers, a home inspection can be stressful. If a property inspector discovers problems with a residence, a buyer may choose to walk away from a home purchase or ask a seller to complete various home renovations.
When it comes to selling a house, it pays to be honest. If you provide honest responses to a homebuyer's questions about your residence, you can help the buyer make an informed purchase decision. Plus, with this approach, you can minimize the risk that a home inspection may lead a buyer to rescind his or her offer.
3. What will I need to do to finalize the home sale?
The time between accepting a home offer and reaching the closing date may seem endless. However, a patient home seller will be able to stay calm, cool and collected, even if challenges arise along the way.
As a home seller, you should try to do everything you can to reach the finish line of a property sale. If you maintain consistent communication with a real estate agent, you can seamlessly navigate all stages of the home selling cycle.
A real estate agent works on a home seller's behalf and will do everything possible to minimize potential pitfalls. Thus, this housing market professional is happy to respond to a home seller's questions to ensure this individual is fully supported in the weeks and days leading up to a home closing.
Collaborate with a real estate agent, and you can receive plenty of support throughout the home selling journey.
When you own a condominium, even if you’re entrance is street level, you're not really in charge of the common area or the building's exterior. All the entries look alike, and some even enter from hallways. So, how do you differentiate your home from the four or five others that are for sale in your complex?
Try these simple steps to give your place the edge:
- Mind the door. While you may not be able to paint your condominium door a bright, trendy color, you can take a few moments to make sure it is clean and free from scuffs and finger marks. Use a whisk broom to brush off all dust, debris, and detritus that collects in the grooves and trim. If the door is wood, use a mild solution of a wood-safe soap to wash down the door, inside and out. Then, shine the door up with furniture polish so that it glows. If the door is metal or painted, use a gentle mixture of dish soap and water to remove grease and grime.
- Make it shine. Clean any glass in the door or sidelights with a vinegar and water solution or an appropriate glass cleaner. Use a metal cleaner on the door handle, deadbolts, and any metal trim, including the trim around the peephole, and shine up the fisheye lens too.
- Don’t forget the threshold. With a clean door, you’re already ahead of the game, but take a moment to sweep off the threshold (the wood or metal strip below the door), and all around the edges of the stoop or entry. Even when your doorway is in an interior hallway, the regular building cleaners may not get that extra dust and leftover dirt in the corners. Use your vacuum cleaner to suck away the last crumbs.
- Be welcoming. Set a fresh new welcome mat in front of your door and add a flower pot of bright blooms if you’re allowed. For interior doors, a tasteful wreath or swag on the door highlights your entry. Be careful to avoid going “over-the-top” though. Simple and elegant is best.
- Clear the entry. Your real control of the "appeal" starts once the door opens. Keep the entryway as open and uncluttered as possible. Move furniture away from the entry area to give it a more expansive feel. Keep décor simple, warm, and inviting. Avoid anything the potential buyer might bump into upon entering as that tends to leave the impression of small and crowded.
- Lighten things up. Put the best possible light on the subject. Take time to upgrade the bulbs in your entry lights (inside and out) to “daylight” LEDs for a friendly, well-lit glow.
A warm, inviting entrance sets the tone for the rest of the home, so give yours the edge it deserves.
Buying a home is a beautiful feeling, but dealing with the financial aspect of it can be tiring. Well, thanks to mortgages, the financing is no longer a headache. From conventional to Government-insured mortgages, homeownership is now a dream that can be turned into reality once you have done your homework, arrived at a budget, reviewed your credit and nailed down your down payment amount.
The America government is not a mortgage lender but has been helping many Americans become homeowners. How? Through government agency loans, namely:
- Federal Housing Administration, also known as FHA, loans
- The U.S. Department of Agriculture, also known as USDA, loans
- U.S. Department of Veteran Affairs, also known as VA, loans
This article will cover FHA loans: how they work, who is eligible, and everything you need to know about it.
What Is an FHA Loan?
FHA loans give borrowers who do not have a significant down payment saved up and don't have good credit the opportunity to own a home. Since its inception in 1934, the FHA has insured over 40 million home loans.
Types of FHA Loans
FHA mortgagee loans come in different forms. Each form is dependent on your assets, income, age, and current home equity, should any be present. There are seven types of FHA loans:
- Fixed-Rate Purchase Loan
- Adjustable-Rate Purchase Loan
- Condominium Loans
- Secure Refinance Loan
- Home Equity Conversion Mortgages
- Graduated Payment Loan
- Growing Equity Loan
Like other kinds of mortgage loans, FHA loans come with closing costs. However, expenses may be different depending on lenders, market conditions, geographic location, and down payments.
If you wish to lower your closing cost, you can do so by increasing your credit score, shop through multiple lenders, check for settlement and title companies, or negotiate with the lender you've selected.
FHA Loan Pros and Cons
FHA loans have many benefits such as low down payment, better interest rate, and credit score flexibility. The only downside of FHA loan is that you have to get mortgage insurance that stays with you throughout the life of your FHA loan.
What You need to qualify for an FHA Loan
You will need some form of identification to begin qualifying for an FHA loan. Driver licenses, military IDs, passports, or any other kind of government-issued ID is an acceptable form of identification. You'll also need your bank statements from the last two months and investment statements from the last two years. Be sure to have at least one month of pay stubs available, as well.
If you run a business or you are self-employed, you will be asked to provide:
- Your current tax year profit and loss statement
- At least two of your recent tax returns
Talk to a mortgage and loan specialist to get the process started.
A successful homebuying experience is a pipe dream for many individuals. However, those who understand the key attributes of a successful homebuyer may be able to transform their homebuying dreams into realities.
Now, let's take a look at three key attributes of successful homebuyers.
A successful homebuyer won't take "No" for an answer; instead, this individual will go the extra mile to ensure he or she can acquire a great house at a budget-friendly price.
Ultimately, a successful homebuyer is driven to accomplish his or her goals. This individual's persistence is distinct, and as such, may help him or her achieve the optimal results.
To be persistent throughout the homebuying journey, it generally is a good idea to monitor the housing market closely. Because if you keep track of new homes that become available in cities and towns where you want to live, you can pounce at the opportunity to acquire your ideal residence.
A successful homebuyer likely realizes that he or she needs to learn about the real estate sector. Therefore, this individual will allocate the necessary time and resources to analyze housing market data.
With a data-driven approach to buying a house, a homebuyer can increase the likelihood of a seamless homebuying experience. In fact, myriad housing market data is available to help a buyer discover the perfect house in no time at all.
Homebuyers may want to assess the prices of recently sold houses in their preferred cities and towns. This information can help buyers differentiate between a buyer's and seller's market and map out the homebuying journey accordingly.
Furthermore, examining a personal financial data may be helpful before kicking off a home search. And if a homebuyer collaborates with a bank or credit union, he or she can get pre-approved for a mortgage and enter the housing market with a budget in hand.
A successful homebuyer understands the challenges associated with purchasing a house. As a result, this individual can take the right steps to avoid such challenges as he or she proceeds along the homebuying journey.
For example, a successful homebuyer won't feel stressed if he or she encounters problems during a home inspection. Conversely, the homebuyer will look at his or her options and determine the best course of action. And if this individual decides to walk away from a home sale, he or she will feel good about reentering the housing market and beginning a home search once again.
When it comes to enjoying a successful homebuying experience, it pays to hire an expert real estate agent as well. This housing market professional can help you evaluate a wide range of houses and find one that matches or exceeds your expectations. Then, a real estate agent will ensure you can put together a competitive homebuying proposal to secure your dream residence.
Consider the key traits of a successful homebuyer – you'll be glad you did. If you strive for success at each stage of the homebuying journey, you should have no trouble acquiring your dream residence.