David Bailey

David and Erika Bailey Mortgage Professionals

The Best Ways To Get To Know Your Neighbors

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The Best Ways To Get To Know Your NeighborsIf you recently moved into a new neighborhood, you might be looking for a way to meet your neighbors. Ideally, you will become friends with your neighbors. They can take care of your pets when you are out of town and water your plants when you are gone. On the other hand, how can you meet your neighbors without the process being awkward? There are a few great ways to do so.

Spend Time Outside

If you want to get to know your neighbors, the best way to do so is to spend time outside. Work on your lawn. Water your plans. Walk the dog. The more time you spend outside, the greater your chances of running into your neighbors. This will make it easier for you to get to know them.

Go To Some Neighborhood Events

Next, you should go to a few neighborhood events if you want to meet your neighbors. There are a lot of communities that have pool parties, barbecues, and events for children. If you go to some of these events, you will have a great chance of meeting the people who live around you, and you can make some new friends.

Ask The Neighbors For Advice

Finally, you should ask the neighbors for advice. If you don’t know when you need to put the garbage cans out, you can ask your neighbors. If you are wondering how often the recycling comes, talk to the neighbors! If you don’t know what to do with old electronics you need to throw out, the neighbors can probably help you. It can take a lot of adjusting if you move into a new area, and your neighbors can help you make the process easier. Then, you can invite them over for a beer or a party to show your gratitude.

Get To Know Your New Neighbors

It can be a bit awkward if you move into a new neighborhood. Your neighbors might appear to know each other already, but how can you get to know them as well? If you follow these tips, you can get to know them quickly, make some new friends in your neighborhood, and have someone to lean on if there is an emergency at your house.

There Are Several Great Reasons To Consider Buying A Condo Today

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There Are Several Great Reasons To Consider Buying A Condo TodayMany would-be homebuyers are now considering buying a condominium instead. Condominiums may be a good option for first-time buyers who are experiencing obstacles when searching for properties that meet their budgets and other criteria. Here’s why:

Condos Might Offer More Budget-Friendly Options

In today’s housing market, supply constraints are a fact of life. Including condominiums in a home search might expand the pool of alternatives. Remember, condos are often less expensive because they have less room—the owner won’t have their own garden, for example—and the overall square footage is typically less than that of a single-family house. Still, if budget is the obstacle, condos could be the solution.

Condos Let Buyers Get Their Feet In The Door

Purchasing a condo is a terrific way to get a foot in the door and begin accumulating equity for a future move up. The sooner the purchase, the more equity can be gained. The condo that is purchased now may not be an everlasting home, but it might serve as a terrific stepping stone toward an ideal house purchase.

Determine If Living In A Condo Suits The Desired Lifestyle

Owning and living in a condo is a lifestyle decision that is right for some but wrong for others. While condominiums are smaller than single-family houses, the features they offer may be a selling point for many purchasers. With less room in the condo, owners typically have less day-to-day care, lower maintenance bills, and more time to spend with family and on leisure and recreation activities.

For instance, if a person dislikes lawn maintenance tasks such as mowing the grass and trimming the hedges, condo living might be ideal. Even spending time power cleaning a driveway is unnecessary, as is spending money on renting or buying a power washer that also needs to be maintained.

Condominiums are a terrific alternative for many consumers, particularly first-time homebuyers who match the profile of ideal condo dwellers. If you’re willing to look at condominiums in your search, you might be able to discover something that fits your budget and needs. To learn more, contact a reputable real estate agent in the area who is familiar with the condo-buying market and process.

A Guide To Helping A Dog Adjust To A New Home

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A Guide To Helping A Dog Adjust To A New HomeMost people treat their dogs as members of the family. Just as moving can be difficult for children, moving can be a challenge for dogs as well. Dogs develop an attachment to their homes, and they can have a hard time adjusting to a new place. Fortunately, there are a few steps that homeowners can take to make the moving process easier for everyone involved, including dogs. 

Let The Dog Get Familiar With The Moving Supplies 

A lot of dog owners have found that it is easier to take a dog to the vet if he or she can acclimate to the carrier. The same is true with the moving process. Dogs have a difficult time understanding what is happening when the family moves. Consider giving your dog an opportunity to become accustomed to the packing and moving supplies. That way, they will be comfortable in the car on the way to their new home. 

Allow Dogs Alone Time In The New Home

Moving is stressful for everyone, including dogs. Dogs will need a bit of time on their own in their new home. Give dogs the freedom to explore. When they find a corner they like, let them stay there and decompress. Eventually, dogs will get more comfortable in the new environment, and they will resume their normal behaviors. 

Stick To A Regular Schedule

Even though the home is changing, not everything has to change. For example, try to keep dogs on their regular schedules. If dogs tend to go out and use the bathroom at a certain time, stick to that time. If dogs go for a walk at a certain time of day, stick to that schedule as well. By keeping other environmental factors consistent, dogs will have an easier time adjusting to the home. 

Keep A Consistent Environment

Dogs have already experienced a lot of changes by moving to a new home. It is important to keep the new environment as consistent as possible. Even though some changes will be expected as boxes are unpacked, try to keep the home looking as normal as possible. The faster things get into their new places, the easier it will be for dogs to adjust. By following these tips, it is possible for homeowners to make their dogs as comfortable as possible with the moving process.

 

How Can Parents Help Their Children Buy A Home?

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How Can Parents Help Their Children Buy A Home?One of the most common dreams is homeownership; however, the cost of buying a house is rising quickly, and many children cannot afford to buy a house even after they finish school. They might be encumbered with student loans, and they could have a difficult time finding a job. Fortunately, there are ways parents can help their adult children buy a home.

Help Children Build A Healthy Credit History As Early As Possible

One of the biggest factors involved in an application for a home loan is the credit score. One reason why children have a difficult time qualifying for a home loan is that their credit scores are not high enough. They simply do not have a lengthy credit history. Parents should help their children build credit as early as possible. One way to do that is to help them take out a credit card and co-sign for it, giving children a lengthy credit history of on-time payments when they apply for a home loan.

Let Children Live At Home Temporarily

Another obstacle that gets in the way of homeownership is the size of the down payment. For children to qualify for a home loan with a favorable interest rate, they need to have a sizable down payment. It can take a long time for children to save 20 percent for a down payment, so parents should consider letting children live at home temporarily, rent-free, so they can save money for a down payment.

Offer To Be A Co-Signer

Finally, parents can also make it easier for children to buy a home by co-signing for the loan. While some parents might be reluctant to do so, this could be the best way to help children qualify for a mortgage. If parents are confident that their children can afford the mortgage, they should consider becoming a co-signer to give the lender a greater degree of confidence.

Make It Easier For Adult Children To Buy A Home

These are a few of the best ways parents can make it easier for their children to purchase a new home. Even though homeownership can be a challenge, it doesn’t have to be a fantasy. Parents should start planning for their children as early as possible to make it easier for them to qualify for a home loan.

What to Do With Spot When Buying a Home

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What to Do With Spot When Buying a HomeBuying a home in another location far away can be challenging in terms of logistics as well as moving, but it becomes additionally harder for pet owners who may not be able to take their bigger animals with them right away.

Oftentimes folks may have to prepare a newly-bought home for a pet, make multiple moving trips or might not be able to take the new pet to the location at all for a while. All of these situations can be frustrating and difficult for both the pet and owner. Some available solutions can make some sense depending on the situation.

Family or Friends

Ideally, if a person has a family member or friend whom the pet can stay with for a temporary duration, that can be an advantage. If doing so, make sure your pet is already good around other people as it will have anxiety being left in a new place with unknown people for a long time and missing you. Also, make sure whom you leave the pet with has had experience with animals. Folks who have never had a big dog for a pet, for example, may hit you with a surprise when they suddenly can’t care for your pet being overwhelmed a day or week into the favor.

Short-term and Long-term Kennel Services

Alternatively, kennel and animal boarding services can help. Keep in mind you get what you pay for. Low cost kennels will likely keep your animal in a basic unit, often cement, with few amenities aside from water and food and an hour of exercise time. It’s a bit like prison for an animal. Better services focus on care for animals lodged, give them exercise and socialization time, keep their cages or containers clean, and interact with the animals when feeding. These facilities cost more, but they tend to keep the pet mentally healthier during the stay.

Permanent Separation

In some cases, a home buying move may require one to give up their pet completely. The first step should always be to try to give the pet to family or a friend who will take care of the pet right and wants to take on the pet willingly. These are the best situations, and the pet likely may know the person already. It will still be depressed for a while, but the pet will transition better.

If you don’t know anyone willing and a separation is a must, don’t immediately resort to the local pound or animal control as they unfortunately end up having to euthanize animals they can’t adopt out. There are multiple rescue groups based on specific breeds who will take the pet and try to adopt it out to a willing and vetted family and new home that can handle the breed. These groups work nationwide through networks and move former pets to new homes regularly.

Separating from a pet is no fun and often painful, but there are options to provide care temporarily or long-term versus just leaving a pet with local animal control. Planning and some research will typically produce multiple choices locally, and they could very well make your move and new home transition easier.

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The Mortgage Outlet, NMLS # 36861 is a registered mortgage broker with the NYSDFS. All loans are arranged through third party providers. Office located at 280 West Main Street Sayville New York 11782

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