Blog :: 08-2019

The Ultimate Moving Checklist

Moving can be so difficult! Whether it’s across the country or across town, the struggle to get everything together and moved to a new location can be exhausting. That’s why we’ve made this ultimate moving checklist for once you have finally bought your new home in or around Waltham, MA. Why has a hard time moved when you already spent enough energy on buying a new home? Make your life easier with this checklist!

 

 8 Weeks Before the Move

 

  1. Hire and set the budget for your mover. Remember to keep your moving budget realistic and stick to someone you know you can trust. Always read over any documents before signing!
  2. Don’t forget all this bustle means that you WILL need to request some time off. Let your employer know in advance what days you need in order to make the move!
  3. Make sure you find a new school for your kids. Some areas have multiple you can choose from. There may be vocational, public or private schools.  Look for one that you know will best suit your child’s needs as well as yours! Transferring schools may require transcripts so you might need to contact your current school!

 

6 Weeks Before Your Move

  1. Keep track of what you’re packing! It is easy for things you treasure to get lost in the move. You don’t want to throw away any valuables accidentally! It may help to keep an inventory sheet in order to log everything.
  2. Mark all of your moving boxes. This will help movers determine how to pack everything without breaking anything fragile. It will also make unpacking much easier!
  3. Make sure to measure your doorways! You will want everything to fit and you would NOT want to find out on the big day that it doesn’t.

 

4 Weeks Before Your Move

  1. Make sure all-important legal documents are stored somewhere safe and that all are accounted for. Carry them with you throughout the big move.
  2. Compile any health records for all members of the household.
  3. Request anything you may need for your vet and update their ID tags.

 

2 Weeks Before Your Move

  1. Make a separate moving file so that you can compile all receipts and bills from moving.
  2. Back up your computer so that if anything is lost, all of your important information will be saved.
  3. Set up the trash and recycle in your new town so that you’re not stuck with a bunch of trash bags the first week in your new home!
  4. Change your address for Social Security benefits and notify any government offices you may need to know about your address change such as the IRS.
  5. Update your driver’s license and any subscriptions.
  6. Contact utility companies to turn on/off.

 

The Week of the Move

  1. Clean your home.

  2. Leave a note for the new residents.

  3. Pack an essentials box with anything you will immediately need from the move.

 

Have any other questions about how to make the best of your next move or need advice on finding the perfect home for your, then be sure to contact your local Waltham Realtor.

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    What is APR?

    Whether it’s home buying, taking out a credit card or taking out a loan, APR is crucial in any borrowing type of transaction that you are interested in doing. It helps to know all about an APR, including what it actually is, how it’s calculated and its application. These factors can all help you in making an informed decision when doing certain business transactions that especially has to do with borrowing and lending. Let’s take a more detailed look at the subject of APR and what it could mean for you and your Waltham real estate journey.

     

    What is APR?

    The acronym APR stands for annual percentage rate, and it is a yearly representation of your interest rate. You can look at it as the actual cost of borrowing money to take out something like a mortgage. Moreover, the APR for a mortgage can also include particular loan costs, such as points and mortgage origination fees. These fees are what differentiates an interest rate, which is the percentage of the principal that is charged to take out a loan, from an APR. As such, when borrowing it’s important to pay attention to both the APR and the interest rate. The idea is that you’ll get a clear understanding of how much it will cost you to take out a loan of any kind.

     

    Types of APR

    There are different types of APR’s that can be applied to a mortgage that a real estate agent may tell you about. The most common ones you hear about are fixed APR and a variable APR.

     

    Fixed APR: The APR doesn’t fluctuate based on an index for the life of the loan. This makes fixed APRs a little more predictable and can easily be worked into budgeting plans. It is still possible for the interest rate itself to change, but the issuer typically has to provide some notification of the change.

    Variable APRs: The APR is tied to an index interest rate and can change and is less predictable. The agreement will highlight how the APR can change over the life of the loan. It can fluctuate to your gain, by providing lower interest rates, for example, or to your loss, increasing your interest rate.

     

    Importance of APR

    In the Waltham real estate market and other sectors, it’s essential that you have some insight into the type of APR that is applied to your mortgage, which essentially becomes new debt. A good Realtor will tell you that the price to borrow to pay for your home should not be taken lightly. When getting a piece of real estate through mortgage assistance, you want to avoid high APRs that could cripple your budget. This can be avoided to a certain degree by not taking out a lot of debt, to begin with.

     

    Things that Impact Your Interest Rate

    As much as you may wish you could set your own APR, the lender technically establishes the interest rate that is offered on a loan, and this will impact your APR. Still, there are other factors such as credit scores that could impact your APR. Excellent credit scores will carry more weight and be beneficial in getting a lower interest rate than if your credit scores were bad.

     

    Be it, home selling or buying, APR isn’t something that can be overlooked. It is important in Waltham realty when deciding to take out a mortgage. Borrowers should know the types that are available to them, why it’s important and factors that could impact APR. Contact Hans Brings today to learn more about APR and the overall home buying or selling process! 

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