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You know artificial intelligence, aka aI, equipped everything is in. And while AI thermostats, home security, and doorbells are nice… they aren’t particularly exciting. I hear you. And that’s why today I”m sharing my favorite AI equipped kitchen gadgets.
Let’s start with a popular device you’ve probably overlooked - the smart speaker. You know Alexa, Google Assistant, and Siri. Pick your preferred flavor of brand loyalty (see what I did there?) because they can all help you out in the kitchen.
For example, have you ever been mid-recipe and realized you’re missing a critical ingredient and need a substitute? Or how many tablespoons are in a ⅓ cup? Whether to serve red or white wine with your zoodles?
With a smart speaker, you can use voice-activated inquiries to get answers to any of your kitchen Q’s. And you won’t have to make a complete mess of your tablet trying to find it.
Keep your trash can lid clean too by investing in a garbage bin with a motion sensor opening capability. There are so many options at all different price points, this is one techy upgrade anyone can make.
One thing you won’t have to worry about is how long to cook something for or at what temperature if you have the June intelligent oven. This convection oven is full capacity yet still can sit on your countertop. You can also spring for the “pro” version to build it into your existing cabinetry.
Or maybe you want to cook two things at the same time but need them to be at different temperatures? Samsung double oven has a removable divider allowing you to use the full capacity or split it into two. And of course, it has wi-fi connectivity to monitor cooking progress from anywhere.
If you’re the type who can’t just throw two things in the oven at a “good enough” temperature you value quality. The right cooking process can’t be rushed. Chances are you also feel this way about tea.
Not every variety and blend should be steeped at the same temperature water or for the same time. Each has its own best conditions for the perfect cup. But creating those conditions takes time and effort. The Mr.Coffee Tea Maker and Kettle that can be set to the right temp and brew time for every type. It’s literally as simple as pushing a button as the buttons are even clearly labeled for each type.
4 Lukes Way, Easthampton, MA 01027
The US government has been helping Americans achieve their goal of homeownership for decades. Through programs offered by the Federal Housing Authority, the USDA, and the Department of Veterans Affairs, millions of Americans have been able to afford a home who would have otherwise struggled.
The focus of today’s post is one such service: loans offered through the USDA Rural Development program.
If you’re hoping to buy a home in the near future but are worried about being able to save up enough for a down payment or build your credit score in time, USDA loans could be a viable option.
Let’s take a look at some of the common questions people have about USDA loans:
Do I have to live in the middle of nowhere to get a USDA loan?
The short answer is “no.” rural development loan eligibility for your area is laid out on a map provided by the USDA. Most of the suburbs outside of major cities, as well as nearly all rural areas, are covered by the rural development program.
Can I qualify for a USDA loan if I’ve previously owned a home?
Yes. You may be eligible for a loan as long as you’re not the current owner of a home that was purchased through the rural development program. So, for example, if you own a home financed through the USDA and wanted to buy a second home and rent out the first one, you wouldn’t be able to finance your second home through the USDA.
How does the USDA loan guarantee work?
When you buy a home, a lender asks you to make a down payment. If you don’t have a down payment, the government (USDA, VA, or FHA) insures the down payment on your home rather than you paying it up front.
Will I have to pay mortgage insurance?
Unlike other subsidized loans, rural development loans require a “guarantee fee” rather than PMI (private mortgage insurance). The guarantee fee is 1% the total mortgage amount and this can typically be financed into the loan (so you don’t have to pay up front). In addition to the guarantee fee, USDA loans also charge an annual premium for the lifetime of a loan.
What are the qualifications for a USDA loan?
To find full eligibility information, complete the survey on the USDA’s eligibility website to find out if you qualify. However, the general qualifications are:
Buying a home in a qualifying area
24 months of income history
A credit score of 640 or higher for streamlined processing
Income high enough so that your monthly payments do not exceed 29% of your monthly earnings
What is the direct loan program?
The USDA really offers multiple urban development loans. The guarantee program, for which most single families utilize, and the direct loan program. Direct loans are designed for families who have the greatest need. You can also find out if you’re eligible for a direct loan by filling out the questionnaire on their website.
203 Tanglewood Drive, East Longmeadow, MA 01028
If you plan to buy a house, you'll want to apply for a mortgage before you launch your house search. That way, you'll have your finances in order and can narrow your home search accordingly.
Ultimately, there are several steps that you should take prior to applying for a mortgage, and these are:
1. Check Your Credit Score
A bank or credit union likely will analyze your credit score as it reviews your mortgage application. However, you can find out your credit score free of charge before you kick off the mortgage application process.
You are eligible to receive a free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). Submit a request for your credit report today, and you can receive comprehensive insights into your credit history.
2. Examine Your Earnings and Debt
How much you currently earn and your outstanding debt could play pivotal roles in your ability to acquire a favorable mortgage. Thus, you'll want to examine these factors closely so that you can better understand how lenders will view your mortgage application.
Also, if you have lots of outstanding debt, there is no need to worry. If you allocate the necessary time and resources to learn about your debt and pay it off, you can increase the likelihood of obtaining a favorable mortgage.
3. Establish a Budget
Although a mortgage may prove to be essential to buy a house, it is important to consider various homebuying expenses as well.
For example, you may need to pay closing costs, home inspection fees and other expenses throughout the homebuying process. If you're worried about having the necessary finances to cover these costs, you may want to start saving money for them as soon as possible.
It often helps to account for the costs associated with cable, electricity, internet and other home must-haves too. The aforementioned homeownership expenses can add up quickly, but those who plan ahead can ensure they have sufficient funds available to cover these costs.
As you prepare to search for a house, it usually is a great idea to hire a real estate agent. This housing market can help you prepare for each stage of the homebuying cycle and ensure you can achieve your homebuying goals.
Typically, a real estate agent will meet with you and find out what you want in a dream house. This housing market professional then can keep you up to date about residences that match or exceed your expectations.
Perhaps best of all, a real estate agent understands that no one should be forced to overspend to acquire their ideal residence. As such, this housing market professional will make it simple for you to discover a terrific house at a budget-friendly price.
Lastly, don't hesitate to reach out to a real estate agent for guidance before you apply for a mortgage. With a real estate agent at your side, you can learn about lenders in your area and find one that can provide you with the financing that you need to purchase your dream house.