If you are thinking about purchasing a home for the first time, you may not know that your credit will be one of the key factors in determining whether you are approved for a mortgage and your mortgage interest rate. Your credit score is calculated using five major factors:
- Payment history – Creditors will look at any utility bills and payments on outstanding loans or credit cards.
- Amount owed – This is the amount of credit card or loan debt that is outstanding.
- Length of credit history – This is determined by how long you have held credit on loans or credit cards.
- New credit – Creditors will make note if you have opened new credit cards or taken out any loans recently.
- Types of credit used – This is seen as your different kinds of credit, such as credit cards, auto loans or student loans.
Before you begin the home buying process, request a free copy of your credit report and check for errors, which can have a negative effect on your score. If you see any errors, be sure to dispute them. Additionally, try to begin paying off outstanding debts, since those also affect your credit score.
Once you have applied for a mortgage, avoid opening new credit accounts such as credit cards or auto loans until your home has closed. You will also want to keep the balance low on any current credit cards.
I would love to meet with you and have a conversation about your financial goals and your future home purchase.
Unpacking the Boxes is a 10-week class for women in the Edmond and Oklahoma City area. The class is inspired by Susan Miller’s book After the Boxes are Unpacked: Moving On After Moving In. Women from the Memorial Road Church of Christ run the weekly meetings. The class is designed to help women connect with other women who are new to area. Bible-based lessons will help you learn to move past the pain and loss of what you’ve left behind and toward an appreciation of your new community. You will have an opportunity to meet other newcomers in the Edmond area and build friendships by sharing relocation challenges, memories of “home,” and common interests. The optional book may be purchased on the first day of class.
Class meets Wednesday mornings, 9:30-11:30, at Memorial Road Church of Christ, 2221 E. Memorial Road, from September 5 to November 14. Child care is provided.
For more information about the class, visit www.unpackingtheboxes.com or e-mail firstname.lastname@example.org or phone 405-478-0166.
8404 Aspen Hills Dr.
OKC, OK 73132
3 bedrooms – 2 bathrooms – 1,476 SF mol – Putnam Schools
Fabulous home with awesome updates! Updates include: all new heat and air in 2013, granite in 2014, a stainless steel dishwasher in 2017, a hot water tank in 2015 and a garage door opener in 2015. The living room is open to the dining room. It has tall ceilings, a fireplace, natural light, two inch, white faux blinds and plenty of room to set up your furniture. Seller offering $2500.00 in flooring allowance/update allowance/buyers closing costs. All bedrooms are on one side of the home. Hall bath between secondary bedrooms. Master bedroom has a tray ceiling and is at the end of the hallway. The master bath has two sinks, a tub, shower and two walk in closets with builtins. Great patio with room to garden or relax! Easy to show and ready for YOU to make it your own home!
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Though this really warm weather may cast doubt, it actually is still Spring and not yet Summer. It’s coming, though! Which means if you haven’t started Spring cleaning you’re running out of time until it becomes Summer cleaning. It’s an understandably daunting task which is why so many people put it off as long as possible. To help you get this looming task off your back here are some of our favorite tips, tricks, and how to’s for Spring cleaning 101!
- Clockwork Cleaning
This tip will definitely help you in eating the elephant (one bite at a time… hopefully everyone is familiar with this saying). Break down tasks into timed sections. It’s overwhelming to consider everything you have to do but if you set an allotted amount of time and find the most efficient tasks to fill that time it will help you get a lot done and not end up burned out in the end! For example, only have ten minutes to fill? Try a quick dusting session, wipe down those ceiling fan blades, and polish up any doors and switch plates that have collected smudges and finger prints. Presto! Check those of your list and move on to another ten minute session or a longer session for bigger tasks.
- Start Where You Live
One way to get things done is when you’re feeling encouraged and inspired. The easiest way to galvanize yourself to that kind of work is to be able to see the progress you’ve made. Take the time to start cleaning where you and your family spend the most time in the house. Clean up the kitchen or living room quickly and you’ll get to see the result of your hard work all day long while you work on the following project!
- Clean Routine
If you’ve got a busy schedule and don’t have time to clean until the weekends but the messiness is getting to you in the meantime, here’s a tip, clean as you go. This may seem obvious but take it further and make it a part of your daily habits! We recommend in the morning beginning your day by making the bed and when you’ve accomplished some personal tasks empty the dishwasher or start a load of laundry. This will make it much easier for yourself in the evening to come home to work on and will help you keep on top of everything!
- Slow & Steady Wins The Race
Although there’s nothing wrong with busting out all your cleaning in one to two sittings there’s also nothing wrong with doing it gradually. You know yourself better than anyone else does so clean according to your schedule! It’s much less pressure on yourself to dedicate some time over a period of time to accomplishing all your spring cleaning. It also ensures that what you clean will be really really clean compared to if you had done it more quickly to get more done at a time. If you’re spread thin and running on fumes you won’t get much done anyways so relax and take a quick break if you need to!
1001 Fox Lake Ln
Edmond, OK 73034
4 Beds – 3.1 Bath – 3,431 SQFT mol – Edmond Schools
This beautiful home is located in a desirable SE Edmond neighborhood! Stunning entry way welcomes you into the home! Nice flow throughout with open formal dining & living. Gourmet kitchen has double ovens, island, granite, stainless steel app, and pantry. Main living room has soaring ceilings and cozy fireplace. Master bedroom has tray ceiling, bay window and amazing and updated master closet. Master bath has a jetted tub, shower and double sinks. Study comes with built-ins and wood floors. There is a game room upstairs plus three bedrooms and two bathrooms. Beautiful wood floors, light and bright with tons of windows. Gorgeous landscaping, soaring trees and a corner lot. Neighborhood lake and pool! Easy access to I-35, shopping and restaurants. Immaculate condition and ready for YOU to make it your own! Don’t miss out on this breathtaking home!
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3608 Jim Robison Dr.
Edmond, OK 73013
4 Beds – 2.1 Bath – 2,111 SQFT mol – Edmond Schools
Location! Location! Location! Located in the sought after Chisholm elementary this home is both gorgeous and in a great location! Great floor plan for entertaining with two living areas and two dining areas. The kitchen has double ovens, granite, bar seating, built in desk/hutch, a walk in pantry plus it is open to the living and dinette. There’s also a lovely little half bath off of kitchen for guests. The updated master bathroom comes with new tile, counter top and shower area. The spacious master bedroom is tucked away at the end of the hallway and it has two walk in closets. Three, secondary bedrooms are the perfect size and share the hall bath. Over-sized backyard with plenty of room to run and play. Seller offering $3000.00 flooring allowance to replace carpet or make updates. Storm shelter in garage floor. Close to Oklahoma Christian University, walking trails, and the park! You don’t want to miss out on this fantastic buy!
For a virtual tour of this listing click here!
Okay, so this isn’t the sexiest topic but maintenance is so critical to well… maintaining the integrity of your property! Some things are more important than others but it can be hard to differentiate what you really need to keep on top of and what you can get away with doing once a year. When something slips through the cracks (maybe literally) year after year there are potential pitfalls lying in wait that could cost you dearly. Let us remind you to not forget about these particular maintenance tasks and hopefully you’ll get to save your hard earned money in the end!
- Roof and gutter maintenance
Oh, leaves in my gutter? How cute! Fall! Then BOOM, you’ve got overflowing gutters, foundation damage, and drainage issues. Don’t indulge your sentimental side here, leaves in the gutter can cost you a lot of money in the damage they can do! It’s easy to forget to do this since you probably don’t check out your roof very much. Be sure to to check out your roof too! You can have minor cracks that you probably won’t notice if you’re not looking for them. They can allow water to slowly enter into your home and cause damage to ceilings and walls which will also rack up the bill! Be sure to spend some quality time with your roof and gutters, your wallet will thank you!
- Creepy Crawler Critter Maintenance
Unless you’re really alright with raccoons as roommates you might want to listen up. You’re careful… it’s not like you leave all your doors and windows open all the time and leave out bowls of cat food everywhere (to the people who identify with everything I just said… you might have raccoons). But even not doing those things can set you up with critters if you’re not being diligent about safeguarding the rest of your house. It’s easy to disregard those venty looking things sticking just slightly off your house but that’s exactly where your friendly family of squirrels will climb up in the winter time. Place mesh over vent faces and cover up any access points leading to underneath the house. Save yourself from waking up in the middle of the night to a mouse trying to make a nest in your hair and save yourself from hiring a pest control guy!
- Chimney Maintenance
I doubt that chimney cleaners look like Dick Van Dyke in Mary Poppins anymore but nonetheless be sure to step in time and be sure to inspect your chimney and have it cleaned regularly (how about that Mary Poppins reference, huh?)! It’ll make it easier for you to spot cracks should the ever appear! If you do happen to find cracks in the bricks of the flue or there are gaps in the mortar on the outside of the chimney between the bricks, your home could be in trouble. This sort of damage could ultimately bring the chimney down on your roof if you’re not careful! That’s why regular maintenance and inspection is so important!
9125 SW 36th St
Oklahoma City, OK 73179
4 Beds – 3 Bath – 3,284 SQFT mol – Mustang Schools
Spectacular new home with all the bells and whistles! Beautiful, hand-scraped wood floors in the main living, formal dining and all bedrooms. Open floor plan makes it easy to entertain all your guests. Master suite with jetted tub, walk in shower, electric plugs for your hair dryer in the drawers and double sinks. Split floor plan with two beds on one end of the house sharing the guest bath. All beds have walk in closets, tall ceilings and ceiling fans. Bonus/theater room with built in cabinet storage, storage closet, and walk in attic access. Gourmet kitchen has over & under cabinet lighting, pantry, coffee bar, & island. Spacious backyard with extended, stamped, stained, & covered patio plus a wood fence. Study with wood floors and built in desk with bookshelves. Sink and mud bench in laundry room. Plenty of space to work in the 4 car garage plus the doors are insulated! Storm shelter is also located in the garage. The home is also equipped with full sprinkler system on a larger lot. Tankless hot water heater, low E windows, central vac, & surround sound! You don’t want to miss out on this gem!
Click here for a virtual tour!