Looking to Buy Your First Home? HOW TO PREPARE FOR A SUCCESSFUL PURCHASE
Handling Existing Debt In the current real estate market, it is especially important to be pre-approved for a mortgage before making an offer on a home. However, getting pre-approved means qualifying for a substantial loan, which can be difficult for those who owe a substantial amount of money already. Mountains of student loan debt, car loans, and other expenses can hurt your credit and make it more difficult to become pre-approved. Before purchasing a home, it may be necessary to pay off your other debts and obligations first. Building Credit It can be difficult to secure a loan without having a well- established credit history. This is usually a large issue among younger millennials and Gen-Z home buyers. Some assume they have good credit just because they have steady employment, but that is not always the case. Paying your bills on time is one way to build your score. If you are struggling to remember to pay your bills every month, many services offer autopay that takes the stress of remembering what is due and when out of the picture. Having a credit card is a good way to build credit, so long as you pay it off each month. It is also important to keep the balance on your credit card below 30% of the maximum balance to increase your credit score gains.
The prospect of buying a new home — especially for first-time home buyers — can often be equal parts exciting and frustrating. The idea of a place to call and make your own is one many strive for. However, getting yourself into a position to make that purchase, from securing the loan to building credit, can be difficult without proper guidance. These are two issues first-time home buyers run into when looking to get pre-approved and how you can avoid them.
TRANSFORM ANY ROOM INTO YOUR ULTIMATE ENTERTAINMENT HUB
No house is complete without a dedicated space for entertainment. You need somewhere to play board games with your kids, watch a movie for date night, or finish the evening playing your favorite video game. Most houses don’t have a game room, so we usually have to turn a spare bedroom, basement, or den into one. You can design your dream game room in many ways depending on your interests. Here are three ideas to inspire your gaming paradise. The Movie Theater Treatment Going to a movie theater for a family night out or date night is a great way to spend an evening, but you don’t have to leave the house to capture the same magic. All you need is a big-screen TV or a projector, dimmable lights, a few recliners, and a way to play your favorite movies and TV shows. Not only will this become the ideal place to
watch movies, but it will also be a fantastic video game room for gamers of all ages.
to watch your favorite teams take the ice, court, or field. Of course, you need a screen to watch the game, but you’ll also want to decorate the room with some of your favorite athletes’ jerseys, pictures of pinnacle moments in your team’s history, and an air hockey or foosball table. This room will quickly become your friends’ and family’s favorite place to watch games.
A Space to Watch the Big Game Is the Super Bowl a can’t-miss event for you and your family? How about the Stanley Cup playoffs or the NBA Finals? If so, you should turn your game room into a dedicated place
A Tabletop Paradise For some, gaming screenless is their
preferred style. If so, you’ll want to create the perfect space for board and tabletop games. You need a large table that can easily fit everyone playing, comfortable chairs that promote good posture, and plenty of board games. You’ll also benefit from bright lighting in the room, or if you’re looking for something to shake up game night, add colorful lights that reflect the mood of any game.
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