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Should You Cosign a Mortgage With Your Partner?   It can be difficult to qualify for a mortgage by yourself. Does it make sense to cosign a mortgage with your partner? Here are a few things to consider. When You Cosign a Loan with a Partner, it’s a Business Agreement The first thing to consider is that cosigning a mortgage is basically a business agreement. You’re signing a contract that says both parties are responsible for making sure the monthly payment is fully paid and on time every single month. No big deal, right? But it can be, because of the old adage “you shouldn’t mix business with family.” The problem is that if you aren’t able to make the payment, now your partner is responsible for it. That can cause some strain on the relationship, especially if it becomes a recurring event. That said, let’s go into a few specific factors that should be weighed in your decision. How Long Have You Been Together? The first thing to consider is how long you’ve been with your partner. Ar...

4 Indoor DIY Projects to Do While It’s Cold Outside Looking for a few indoor DIY projects to work on over the next few months? Here are a few ideas to get you started. DIY Project #1: Liven Up a Room with New Paint Paint is arguably the best bang for your buck when it comes to  improving the look and feel of a new room.  There are a few reasons why we say that. First, painting gives you an opportunity to cover up some of the marks and holes that have accumulated over the years. Sometimes we accidentally scuff the wall when moving furniture or we hang a picture someplace then later decide to leave the space empty, leaving a few holes. Painting is a good time to fix those. Second, you can choose a paint color to give the room the type of feel you want. Are you looking for a very fresh, modern feel? Pick a bright white. Want it to be more subdued? Look for something like green or blue. Looking for an upbeat, refreshing type of color? Consider a shade of yellow. Third – you can do...

  How to Improve Your Credit Score Your credit score is important when you’re buying a home. It helps determine what kind of mortgage you can qualify for and the interest rate you’ll be. To improve your credit score, there are a few things you can do. What Determines Your Credit Score? To understand how to improve your credit score, it would probably help to understand what factors determine the score. Your FICO credit score is made up of 5 things: Bill payment history – 35% Credit utilization- 30% How long accounts have been open – 15% Variety of credit sources – 10% Inquiries for new credit – 10% Knowing these things, here are five ways you can increase your credit score. How to Improve Your Credit Score Pay Your Bills on Time We know this isn’t always easy, but it’s important for this discussion. Creditors such as mortgage lenders want to see that you’re able to  pay bills on time . That’s why it’s the largest factor in your credit score. This doesn’t just apply to credit c...

Five Ways to Save Money on Utilities Who wouldn’t want to save money on utilities every month? Here are a few ways you can lower your bills so that you have more money to save or spend on other things. Save Money on Utilities With a Programmable Thermostat To understand how to improve your credit score, it would probably help to understand what factors determine the score. If you don’t have a programmable thermostat installed, consider getting one soon. Here is why. A programmable thermostat is a thermostat that can be set to automatically run on particular days and times. This allows the  HVAC system  to automatically shut off or run at a less drastic temperature whenever it can.  A programmable thermostat is especially cost-effective when you can program it to turn off during work hours when no one is home. Currently, many of us are working from home due to COVID-19 but soon we’ll all be making our way back to school and working in an office. When there’s nobody home be...

  How to Improve Your Debt-to-Income Ratio Your debt-to-income ratio, or DTI, is one of the main things a lender will look at when qualifying you for a mortgage. It’s seen as a good indicator of whether or not a borrower will be able to repay their loan on time and in full each month. Before we get into how to improve your debt-to-income ratio, let’s talk about how it’s calculated and what ratio to aim for. How to Calculate Debt-to-Income Ratio Your DTI is  calculated  by dividing your monthly debts by your gross income.  Here is an example of how to find your DTI if you have multiple debt payments due every month:  Monthly Debt Payments          Mortgage : $1,500 +        Car loan: $300 +       Student loans: $200 Add these together and your total monthly payment is $2,000. For this example, let’s say you make $48,000 a year. That’s $4,000 a month in gross income. To get your DTI, divide...

  Do DIY Projects So You Can Learn New Things When you own your home there are always things to be done. There are maintenance tasks like mowing the grass, shoveling snow, or cleaning out the gutters. We also have home improvement tasks like replacing your countertops or painting a room.  Where it’s possible, we recommend doing home improvement projects yourself instead of hiring a contractor. Here are a few reasons why.  Learning new things is one of life’s greatest pleasures. It helps us feel good because it lets us exercise our brains in a new, fresh way.   Reed Team Homes Doing a project yourself – especially one you’ve never done before – gives you a chance to learn new things.  Maybe you’re learning how to repair something, like a  broken baluster  on your stairs.  Perhaps you learn how to build something, like a playground for your kids. There are all kinds of things you can learn, but you can’t just learn these things from reading a b...

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If you are thinking about Buying Your First Home , make sure you know exactly what you're getting into so that you can decide if you're financially ready for such a large commitment. One of the key steps to buying a home is selecting a mortgage and mortgage lender and Reed Team Homes helps you. For more information please visit our website.   Buying Your First Home

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