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Empty Nesting: It’s Time to Downsize

“You spend your 30’s and 40’s accumulating stuff, and you spend your 50’s and 60’s getting rid of it.” My friend, Diana, told me that many years ago and it has resonated with me ever since. She was absolutely right! Life has cycles. When you spend two or three decades raising wonderful children who become great adults, it’s time to downsize. It’s time to sell the big two-story home and move into something more appropriate for yourself and/or your mate. The first thing to realize is this: all the stuff you accumulated over the past 20 or 30 years will not fit into a smaller home. Period. It’s time to purge. The first time I downsized, I had to let go of cherished treasures. Well, they were cherished at the time my daughter was in kindergarten. Frankly, 25 years later, the artwork she created at age 6 was no longer relevant to display on my new refrigerator. It’s time to let go. I still have the scrapbooks and some elite, special documents, but I had to throw away many items which did not make the cut of keeping. And, I had to get help. I needed help to decide what to keep and what to throw away or donate. Please know this: it’s okay! It is okay to shed old memorabilia of your kid’s childhoods. It’s okay to get rid of two crock pots and just keep the third one. It’s okay to scale back to only one set of patio furniture. Frankly, your kids probably don’t want that old stuff either! Here are five tips to help you downsize so you can be ready to move into your smaller home: When you find your new, smaller home, measure the rooms carefully so you can decide which furniture to keep, and which furniture doesn’t fit. If you have large furniture, antiques, or lots of large items that can be sold, consider enlisting the assistance of an estate sale company. That is usually safer than using an online website to sell your furniture. For your personal items, ask your kids or another family member to help you decide what to keep and what to eliminate. Another set of eyes and ears will help you to decide if something goes into the ‘keep’, ‘donate’, or the ‘trash’ pile. It’s okay to have a large ‘trash’ pile. My biggest mistake when I downsized was to keep old stuff that I thought might be needed again. I moved so much junk from house to house to house. It is not worth the money to pay movers to move old junk, only to sell it after you move. Make the process of purging old items fun! I enlisted the help of a few girlfriends and we drank wine and giggled all afternoon. While it is work to purge, pack, and move, help from your favorite people make it more enjoyable. Downsizing and becoming an empty nester is a wonderful cycle of life. Enjoy it! Embrace it! And call me to help you with your new mortgage! It is truly my pleasure to help you!

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Navigating The Turbulence Of Real Estate

Did you know that there are hundreds of things that could potentially go wrong in your real estate transaction? In this video, I’m going to illustrate how having the right team helps you navigate the turbulence of buying a home. We’ll take a ride through the process and show you how to make a smooth landing at closing. Preparing For Take-Off Buying a house is a lot like riding in a plane—and our team is here to take you to your destination of homeownership. However, there are a few things we need to check before we get into the air. Credit report? Check. Full loan application? Check. Pay stubs, bank statements, title ordered, and appraisal ordered? Check, check, and check. Now we’re on our way to the clear to close. Underwriters and closers, prepare for take-off! With the title ordered and everything turned into underwriting, this should be a smooth ride to closing. Hitting Turbulence Once we’re in the air, it may seem like we’ll easily reach our destination. Sometimes, though, there’s turbulence. Maybe the market’s deteriorating and rates are going up—so we need to take control and lock in the rates. Or what if the borrower says she can’t find her W-2 from last year? It’s okay: the Mortgage Queen has got it. She spoke to the borrower and gave her some ideas as to where to find her W-2. Problem solved. What if the title work comes back with a tax lien that needs to be paid off? The IRS is two months behind and we need to pay it off. We had the seller fix the issue, and we’re good to go. A Smooth Landing While this was dramatized a little bit, the scenarios are real. There are hundreds of things that could potentially go wrong in your real estate transaction, and you need the right people to help you navigate the turbulence and pilot your plane. This way, you’ll have a safe, on-time landing at closing. Please choose your team wisely! We’re here to help you, so please reach out to the Mortgage Queen and I’ll be happy to connect. You can also subscribe to my channel so you never miss a video, all about mortgages and real estate. Stay tuned to see what I feature next!

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Don’t Gamble On Your Mortgage!

Did you know that you might unknowingly be gambling with your money on a mortgage? In this video, I’m going to show you all of your options when it comes to mortgages so you don’t leave any money on the table. We’ll see how a group of gambling buddies benefited from a little advice from The Mortgage Queen when it comes to buying a house. Understand Your Options Buying a house is an exciting time, and refinancing can be equally beneficial. While it’s fine to gamble with some buddies at a poker game, one thing you don’t want to gamble with is your mortgage. That’s where I, The Mortgage Queen, can step in to help. Understanding all of your options can save money for those who like money. When you go online to look at rates, there are also fees associated with those mortgages. went online. Even if the rates seem okay, does it sound right to pay $20,000 in fees to get a loan? Unless you’re buying your own $50 million compound on a private island, that’s highway robbery. If your lender isn’t showing you all your options, that can be a huge mistake. This is exactly the reason why you need the help of The Mortgage Queen. Your Ace In The Hole While I’m fully aware that some of your friends are probably real jokers, buying a home is serious business. It’s okay to gamble with your buddies on a Saturday night, but you cannot gamble with one of the biggest purchases of your life. If you want to make a smart move in real estate, I’ll show you all your options and lay them all out on the table. When it comes to mortgages, I’m your ace in the hole. So if you’re ready to save money and get the best mortgage possible, make sure to reach out to me and I’ll be more than happy to assist you. Don’t forget to subscribe to my channel for more advice from The Mortgage Queen. Stay tuned to see what I feature next!

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