The Deck & Patio Debate

Deck vs. patio? Although there are pros and cons to both, each offers endless opportunities for creating an outdoor oasis. And depending on your talents and ambition, both decks and patios can be DYS jobs. 

The Deck & Patio Debate | Ryan Homes Blog.

4 Strong Reasons to Buy a Home Now

In nearly every major metro market, it is cheaper to buy a home than rent. Rents have been on the rise the last few years and are predicted to continue to rise. Meanwhile, home affordability is at record highs, which means that buying a home is more within reach to the median income family. Read more at 4 Strong Reasons to Buy a Home Now.

Four Easy Steps To Save For A Down Payment

With interest rates down and inventory up, many savvy consumers are taking a good, long look at investing in a home of their own. The benefits are big and the rewards buying a home long-reaching. For some consumers – a down payment is the only thing standing between them and the dream of home ownership. In today’s economy,
it’s not always easy to save the necessary funds to not just get into a house of your own, but get a decent interest rate as well. Here are some four simple things you can put into your personal or family action plan for saving that down payment money in less time. Saving for a home of your own can be challenging, but it can be exciting too. The
feeling of reward and accomplishment is extraordinary. Start with these four steps and very soon you too can enjoy the long-term benefits of setting down roots and investing in your future.

1. Get in the know. Like any good budget or savings plan, the first place to start is to decide where you are NOW with your credit score, your monthly bills and assets. Contact me or a trusted mortgage professional to see how much home you qualify for and how much you’ll need to save to buy your home. We can help you take a look at things like credit scores, loan requirements and interest rates now so you can be simultaneously doing ALL the things right during this savings period to make sure the most favorable rate and terms.

2. Set a deadline. I know deadlines seem ominous to some, but they can be powerful motivators to carry out great goals. (And buying a home is a pretty big goal!) Again, once you know where you are – it will make setting a timeline easier. For some, step one of the savings plan may be paying down or even off some past debt with high interest – which could back up your time-table. Together, we can help you figure out which direction is best for you.
3. Create a “Down Payment” account. Ever see those little ceramic pots with “House Fund” or “Vacation Fund” on them – or the piggy banks with the “do not open ‘till holiday shopping time” labels? By opening a savings account just for your future home buy, you help lessen the likelihood of tapping into that money for other things. Check with your bank, or even local credit unions to see if they offer any special interest rates or programs for first time home owners looking to buy.
4. Take a good, long look at your monthly bills. Do you have credit cards or revolving credit with high interest rates and high monthly payments? That’s doing two things to hurt your cause. First – those interest rates are costing you big and just money out the door. Secondly, those high payments are bad news for your debt-to-income ratio. You may have to tackle those bills first and get them behind you. Make a list of your creditors, how much you owe, the interest rate and the monthly payments.

“Know that I’m always here to help. As a Real Estate Professional and Neighborhood Specialist, I can help you customize a savings plan all your own so that you can be sure your family is heading in the right direction every step of the way! Call or email me today.”

Embrace Change

After World War II, Sam Walton became a millionaire by running 15 Ben Franklin variety stores, selling merchandise with 25% markups. When he told his partners that he wanted to open discount centers that would have broader mass appeal but smaller markups, they thought he was crazy. So, acting alone, he opened his first Walmart store in 1962, and later became a billionaire.

“To succeed in this world, you have to change all the time,” said Walton, who was following a rich tradition of American entrepreneurs quick to embrace change.