THE #1 RATED TEAM ON ZILLOW IN ALL OF ORANGE COUNTY

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. Are yo

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 it quick

  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 cards. Mak

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 between the hour

  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 $2,000/$4,000 = 0.50, or 50%. That’s on the high side. Lenders prefer your DTI to be under 36%. Th

  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 book. You have to get your hands dirty.  Do H

Find the perfect home in your area, Reed Team Homes provide you some simple steps where you can calculate rates and compare with others. Process Of Buying A House is very simple with us. Check Your Credit Score Whether you're buying a home for the first time or third time, your credit will always play a crucial role in getting approved for a home loan. For more information please visit our website. Process Of Buying A House

Do you have questions about Buying And Selling Property , Reed Team Homes will help you. Whether you are buying or selling real estate, it is important to determine whether any easements encumber the property. For more information please visit our website. Buying And Selling Property 

Searching for houses or apartments for sale near you is much easier with Read Team Homes, Find Property For Sale Near Me , We are the #1 rural real estate listing service provider. Contact Us For More Information Today! Property For Sale Near Me

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

Looking for a home in Ladera Ranch? Ladera Ranch Houses For Sale at Reed Team Homes . We are one of the best and trusted companies in real estate. These ultra-exclusive homes are located in prestigious guard-gated communities in Ladera Ranch. We also provide access to view all home sales in Ladera. View homes for sale in Ladera Ranch, CA. For more information please visit our website. Ladera Ranch Houses For Sale

Zillow Laguna Niguel CA on Reed Team Homes . We are one of the best real estate and rental marketplaces in Zillow. Another phase that is not as easy as it looks is the moving part. This is when you transfer your items from the previous home to your new home. This practice is costly and requires a lot of arrangement. For more information please visit our website. Zillow Laguna Niguel CA

Remax Homes For Sale on Reed Team Homes . If you're looking to buy or sell your home in Minnesota or Wisconsin, there is no better real estate team we are one of the best and professional in this industry. You can view all the latest homes for sale listed with Re/Max Real Estate. make RE/MAX Action North Realty your #1 choice for all your real estate needs. contact us for more information or visit our website. Remax Homes For Sale

Houses For Sale In Zillow at Reed Team Homes , Firstly View listing photos, review sales history, and use our detailed real estate filters to find the perfect place. We are providing all kinds of services like sales & purchase homes and properties. Don't Wait To Make Your Residential Dreams a Reality. Enjoy Outdoor Living In An Exclusive Gated Community. For more information please visit our website.

If you are looking for a home in San Clemente, Then reed team homes help you to find your dream home. Houses For Sale in San Clemente . We are one of the best in this industry. Search through our list of homes for sale in San Clemente. Explore a large selection of San Clemente Real Estate, No one can beat us in this field. Search homes by price, neighborhood, lifestyle, and more. For more information please visit our website.