Philip Ottaviani's Blog
If you recently bought or sold a house, it may be only a matter of weeks before moving day arrives. As such, you may want to start planning ahead and contact a moving company to help you prepare for the big day.
Ultimately, not all moving companies are created equal. And if you make a poor selection, you risk encountering problems with your moving company as you try to take your belongings from one address to another.
Differentiating one moving company from another can be simple. In fact, there are several questions that you should consider before you hire a moving company, and these are:
1. What do I need from a moving company?
Moving from a big house to a small one is very different than relocating from an apartment to a home. Thus, you should consider your moving day needs and tailor your search for a moving company accordingly.
Don't forget to evaluate your moving day budget too. If you consider how much money is at your disposal, you can map out a search for a mover and discover a moving company that falls within your price range.
2. What services does a moving company offer?
Many moving companies will help you pack up your belongings, move them to your new address and help you unpack. Comparatively, some moving companies only offer limited support on moving day.
Think about which moving day services you'll need before you choose a moving company – you'll be glad you did. If you know what you want out of a moving company, you can narrow your search and quickly find a mover that will match or exceed your expectations.
3. What are past clients saying about a moving company?
Oftentimes, it helps to look at client reviews for moving companies. These insights can help you understand what it is like to work with a particular moving company before you make your final decision.
If customers frequently rave about a moving company, this is a positive sign. In this instance, you may want to move quickly to hire a moving company for your upcoming relocation.
On the other hand, a moving company that receives many negative reviews should raise red flags. If most customers are not satisfied with the support they receive from a particular moving company, you may want to consider other movers.
Finding the right moving company may seem difficult, particularly for individuals who have only a limited amount of time to relocate. But if you collaborate with a real estate agent, you may be able to discover the ideal moving company in no time at all.
In addition to helping you buy or sell a home, a real estate agent will make it easy for you to enjoy a seamless move. A real estate agent likely can put you in touch with the top moving companies in your area. As a result, a real estate agent can help you find a great moving company, regardless of when you need to relocate.
Buying a home is one of the most expensive undertakings that you’ll ever have in your lifetime. You probably have spent months upon months saving for a downpayment in order to make your home purchase. The problem is that after they believe their savings are complete, many buyers discover unexpected costs that go along with buying a home, making the entire process even more stressful. You should be prepared for many different kinds of costs that go beyond the sticker price of a home. Below, many of those surprising costs are laid out in detail.
Closing costs can be anywhere from 2-7% of the purchase price of a home. Closing costs cover quite a bit including:
- Inspection fees
- Title insurance
- Property taxes
- Mortgage insurance
- Underwriting fees
- Recording fees
- Loan origination fees
Depending upon the type of loan you get or your specific circumstances, your closing costs could be even more. Keep in mind that you won’t find out your specific closing cost amounts until the purchase of the home is well underway. You can talk to your realtor and lender ahead of time to be prepared for your own situation.
Closing costs are also negotiable, so don’t forget to ask questions. Certain administrative fees, for example, are often unnecessary and can be waived.
If you have a low appraisal on your home, you may need even more cash on hand. In order to meet loan and home value requirements, lenders won’t approve a loan for an amount that’s higher than the home is appraised for. In this case, if you still want the home, you’ll be left to come up with the difference in cash. Otherwise, you could be forced to walk away from the deal and lose some money in the process. This is one of those home purchase emergencies that you should simply be aware of. It can be an emotional experience to get a low appraisal on a home, but remember that there are sensible ways to deal with this dilemma.
Many buyers forget in the excitement of buying a home just how much it will cost to move. Whether you hire a moving company or do it yourself, moving can be expensive. You’ll need a truck, packing supplies and a way to pay (or simply thank) the people who help you to move.
The Things You Need For Your Home
Your home won’t come with everything that you need. You may have to buy a refrigerator, have some repairs done, or simply get furnishings for the home. Don’t strap your budget so thin that you won’t be able to buy a sofa until six months after moving into the home.
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Buying a home should be an unforgettable journey, one that enables you to purchase a high-quality house at a budget-friendly price. If you start planning for the homebuying journey today, you may be able to reduce the risk of encountering homebuying hurdles as you attempt to acquire a first-rate house.
Ultimately, there are many important decisions for homebuyers to make before they enter the real estate market, including:
1. Where Do I Want to Live?
As a homebuyer, you'll want to know where you want to go so you can map out your property buying journey.
Consider your current and future plans before you enter the housing market – you'll be glad you did. This will enable you to consider where you'll be in the next few months and years and plan accordingly.
For example, if you currently work in the city and intend to stay at your present job, you may want to search for a home that makes it easy to commute to work.
On the other hand, if you plan to start a family in the foreseeable future, you may want to consider purchasing a home near various top-notch parks and schools.
2. How Much Can I Spend on a House?
You know that you'd like to become a homeowner, but how much can you afford to pay for a residence? Meet with several banks and credit unions, and you can start budgeting for a home.
Banks and credit unions can help you get pre-approved for a mortgage. Then, with a mortgage in hand, you can enter the real estate market with a good idea about how much you can spend on a residence.
Many banks and credit unions are available, and they are happy to teach you about the ins and outs of numerous mortgage options. Plus, lenders will respond to your mortgage concerns and queries and help you make an informed mortgage decision.
3. Will I Need to Hire a Real Estate Agent?
If you're on the lookout for your dream home, why not hire an expert to guide you along the homebuying journey? With a real estate agent at your side, you can take the guesswork out of finding and purchasing your ideal residence.
A real estate agent will provide expert support at each stage of the homebuying journey. As such, he or she will help you set realistic expectations before you begin your search for your dream house.
Perhaps best of all, a real estate agent will set up home showings, keep you informed about new properties as they become available and negotiate with home sellers on your behalf. This housing market professional will even offer expert real estate insights that you might struggle to obtain elsewhere.
When it comes to purchasing a house, there is no need to leave anything to chance. Fortunately, you can hire a real estate agent to help you along the homebuying journey and simplify the process of going from homebuyer to homeowner.