Cheryl Deschenes' Blog
Each year, flooding causes more than eight billion dollars in damages to homes in the United States. Despite that, many affected homeowners go on to sell their houses so that they can relocate. When your home has damage from a tropical storm, heavy rains, or rising water from a hurricane, here are ways to help your home retain its value.
The crucial first 48 hours
Do your best to minimize the damage. If you know flooding is possible, use sandbags around the foundation, board up windows, fill in crevices around vents and pipes with expandable waterproof insulation. After damage occurs, in the first two days, it is essential that you go through this checklist as quickly and thoroughly as you can.
- Protect yourself. Flood water often has contaminants and dangerous materials, mold and bacteria. If your flooding includes back-up sewerage, this is especially crucial. Wear industrial-quality gloves, rubber boots, masks, and other protective gear.
- Make lists of the damage. Walk around your home and write down everything that is affected by the water. Separate the list by those items attached to your home and those that are separate such as furnishings and personal belongings. These could be very long lists, so write down everything.
- Take photos of all the damage with your smartphone or digital camera. Capture images of the walls, floors, cabinets, outlets, doors, windows, and ceiling if water leaked in from above — document everything.
- Contact your insurance company. They will send out a catastrophic storm damage adjuster to assess the damages. Even if FEMA may cover the costs, ask your insurance adjuster to document everything as well. Compare their list to yours to make sure nothing is left off. Your insurance company may be able to help you restore and repair much of the damage. Professionally mitigated and restored damage makes a tremendous difference when you go to sell your home.
- Once you've documented everything, remove anything that retains moisture from the house. These include carpet and padding, fabric, bedding, furniture, clothing, drywall, and insulation. Doing so lowers the opportunity for mold to take hold in the house. It only takes mold 48 hours to begin germinating, so time is of the essence.
- Rent a dehumidifier to dry out your home. If your HVAC system is unaffected, run the air (heat or cold depending on outdoor temperatures) to help dry things out, too.
- Using a utility knife, cut away and discard any damaged or wet drywall or wallboard and any damp insulation behind it. Spray the remaining walls and the framing of the damaged walls with a solution of nine-parts water with one-part bleach.
Repair or Sell "As-Is."
Make all repairs that your insurance or FEMA covers. If other repairs remain, you might decide to fix them yourself or sell your home just as it is. If you completely restore your home, it likely will sell for more. But if the return on your investment isn't high enough, you may end up losing out in the long run. Here is where you need the advice of a professional. Your real estate agent can help you determine which items to repair and which won't give you any return. Remember, though, that if your relocation is time-sensitive, whatever sells quicker can save you in the long run.
111 Quail Creek Rd, North Attleboro, MA 02760
When you have a small bedroom, it’s hard to envision bringing many styles to the space. You have what’s necessary for your room, trying to cram everything in one tiny space. Just remember one key point: Every room needs a focal point. This means that your bed will most likely be that eye-catching spot in the room. Namely, the head of the bed will be what catches your eye. Below, you’ll find some more tips to make the most use of your small bedroom.
While it can be tempting to try and cram things into a small room, making the most use of every inch of space possible, you want to actually do the opposite. This means placing beds against the walls or near a window, buying a smaller sized bed, and finding furniture that’s not overwhelming. Other tricks are to eliminate the headboard and footboard or use more see-through options for the furnishings.
Keep It Bold And Unique
Just because you have a small bedroom doesn’t mean that the space needs to be bland. Don’t be afraid to either make the room bold with color or rich with texture. Choose your color palette wisely. Don’t be afraid to express yourself or whoever the resident of the room is. Is the small bedroom a nursery? Keep it light and fun. Don’t make the room too stuffy. If the bedroom belongs to a sports fan, hang lots of favorite sports memorabilia photos. Often, if a room has a lot of expression, it distracts from the small size of the space. The idea is to make your bedroom special, no matter what size it is.
Everything Is Potential Storage
In a small bedroom, storage can be a problem. There’s many creative solutions to solve this space dilemma. You can put the bed up on blocks for more under bed storage. Use a storage chest as a bedside table. This will help you to have the furnishings you need, yet they will double as storage units.
Combat A Low Ceiling
The brighter a room, the less attraction will be drawn to a low ceiling. Slanted ceilings are often a problem in smaller bedrooms, but bright colors can combat the closed in feeling and leave the bedroom feeling more open.
When shopping for furniture for your small bedroom, try to find pieces with rounded corners. This will help keep your limited walkway space in the room clear, as it takes up less space than traditional angled corners. You can really add character to a room using rounded nightstands, ottomans, and more accents.
If you are thinking of buying a home in the near future, there’s one three-digit number that could be oh so important to you. That number is your credit score. Read on to find out how a credit score can affect you and the steps you can take to be sure that your credit is in good standing when you head to apply for a mortgage.
What Is A Credit Score?
Your credit score is checked by lenders of all kinds. Every time you apply for a loan or a credit card, there’s a good chance that your credit score is being pulled to see if you qualify for the loan. Your credit score is calculated based on the information on your credit report. This information includes:
Length of credit history
New credit accounts opened
The areas with the most impact on your score is your payment history and your debt-to-credit ratio. This means that on-time payments are super important. You also don’t want to get anywhere close to maxing out your credit cards or loan amounts to keep your score up.
What’s A Good Score?
If you’re aiming for the perfect credit score, it’s 850. Most consumers won’t reach that state of perfection. That’s, OK because you don’t have to be perfect to buy a house. If your score is 740 and above, know that you’re in great shape to get a mortgage. Even if your score is below 740 but around 700 or above, you’ll be able to get a good interest rate on your mortgage. Most lenders typically look for a score of 620 and above. Keep in mind that the higher your credit score the better your interest rate will be.
What If You Lack Credit History?
Most people should get a credit card around age 20 in order to begin building credit. You can still qualify for a mortgage without a credit history, but it will be considerably harder. Lenders may look at things like your rent payments or car payments. Lenders want to know that you’re a responsible person to lend to.
What If Your Score Needs Help?
It doesn’t mean you’re a hopeless case if you lack good credit. Everything from errors on your credit report to missed payments can be fixed. The most important thing that you can do if you’re buying a home in the near future is to be mindful of your credit. Keep an eye on your credit report and continue to make timely payments. With a bit of focus, you’ll be well on your way to securing a mortgage for the home of your dreams.
Ready to sell a house for the first time? Ultimately, selling a house can be challenging, particularly for those who are unfamiliar with the real estate sector. But with the right home selling guidance, you should have no trouble getting the best price for your house, regardless of your property selling experience.
Now, let's take a look at three vital tips for first-time home sellers.
1. Consider Your Home in Relation to the Housing Market
Although you've likely enjoyed your residence for an extended period of time, you might have no idea how your house compares to similar homes in your area. Fortunately, a first-time home seller who assesses the real estate sector closely can find out how his or her residence stacks up against the competition and plan accordingly.
Check out the prices of available houses in your city or town. By doing so, you may be able to define a "competitive" price for your home based on the present housing market's conditions.
Also, don't forget to analyze the prices of recently sold homes in your area. This housing market data can help you determine whether you're about to enter a buyer's market or a seller's market.
2. Conduct a Home Appraisal
A home appraisal gives you the opportunity to gain expert insights into the current condition of your house. After the home appraisal is finished, you can decide if property repairs are necessary to upgrade your residence before you add it to the real estate market.
Hire an experienced home appraiser to complete your property appraisal – you'll be glad you did. This home appraiser likely understands the ins and outs of examining a house's interior and exterior. As such, he or she will go above and beyond the call of duty to provide you with comprehensive insights that may help you find ways to differentiate your house in a competitive housing market.
In addition, evaluate the results of a home appraisal closely. These results may prove to be essential, as they can empower you with the insights you need to enhance your residence both inside and out and boost your chances of optimizing the value of your house.
3. Work with a Real Estate Agent
A real estate agent is happy to work with a first-time home seller and help this individual achieve his or her property selling goals.
Usually, a real estate agent will help a first-time home seller establish realistic property selling expectations. He or she will provide honest, unbiased home selling recommendations to help a first-time seller minimize stress throughout the property selling journey as well.
With support from a real estate agent, a first-time home seller may be able to accelerate the property selling cycle too. A real estate agent will even respond to a home seller's concerns and questions time and time again.
When it comes to selling a house for a first time, there is no need to worry. Take advantage of the aforementioned tips for first-time home sellers, and you can seamlessly navigate the property selling cycle.