Preparing For Homeownership

 

 

 

Looking to buy your first home can be overwhelming!  With so many questions, purchasing a home can feel like an unrealistic goal.  I know firsthand how overwhelming it can feel!  When I was starting to study for my real estate license, I myself thought I would never own a home.  I understand the uncertainty.  What if the process of buying a home was not “scary”?  This is why I found it to be important to start a blog about what are the steps to buying!

 

I am excited to be working with the best Real Estate Company in Salina, Kansas – NextHome Pro Realty.  At NextHome, we know how important resources are and we want to share those resources with you!  Let’s start by having you ask yourself three questions.

 

 

Is owning my own home a goal?

Are my finances were they need to be in order to buy a home?

How much home can I afford?

 

 

As we all know, one question can lead to many others.  Maybe these questions do not seem so simple, but don’t worry,  I am here to assist!  Let’s take a closer look at these three questions.  

Do you see yourself owning your own home someday?  Is that part of your American Dream?  This can be reached by having realistic goals, receiving sound advice, careful planning and understanding the costs involving in purchasing your home.

Are your finances where they need to be?  I know, getting your finances in order sounds yucky!  Yes, I know I said yucky, but knowing your financial status is a must!  Have you checked your credit reports?  I cannot stress enough how important your credit is when trying to finance a home.

Finally, how much home can you afford?  This is where an experienced housing counselor plays such an important role!  Making sure your credit report is accurate and removing any out-of-date or inaccurate information can help increase your credit score and you qualify for a lower interest rate.  Reaching out to a housing counselor is a great way to start your journey to homeownership.  Below are some resources to start you off on the right foot!

The Consumer Financial Protection Bureau is a government agency that focuses on giving consumers the information, steps, and tools that they need to make smart financial decisions.  They have several resources available to help you with the homebuying process.

https://www.consumerfinance.gov/owning-a-home/

Consumer Credit Counseling Service, Inc. – a non-profit HUD Approved Housing Counseling Agency.

http://www.kscccs.org/

Federal Trade Commission – a federal agency offering brochures and handouts to help with the homebuying process.

https://www.consumer.ftc.gov/topics/homes-mortgages

76_2536518-3

 

Smudging, Keeping You and Your Home Clean of Negative Energy

Everyone wants that fresh, crisp feeling in their home and in their head as though nothing has ever gone wrong and life is perfect. Unfortunately life happens and things don’t go the way we always want them too. Sometimes it knocks us down and we have to try and pick ourselves back up still feeling all of the negative energies these episodes caused left on or around us. Have you ever walked into a room and just felt the tension in the air or the feeling that something doesn’t feel right? Shaken someones hand or even just walked st them and felt yuck? That’s because anything, whether good or bad, leaves it’s energy to linger where it happened. Now none of us mind the good stuff but that bad, funky energy just drags us down and kills our good vibe.

One way I deal with this negative energy is by smudging. I smudge myself and my home often, even when things are good, to keep the energy clean and flowing. Smudging is a Native American practice of purifying yourself, another person or room with the smoke of sacred herbs. It is known to clear negative or stagnant energy from your within your field and allow the good stuff to enter. Your field can include your emotional, energetic, mental, spiritual or physical body as well as your environment.  Smudging gives you a refreshed clean feeling and a desire for a new start. So if you have been feeling overwhelmed, stuck, confused, sluggish or even just depressed give smudging a try, the results feel great.

Plants that are often used for smudging include:

  • Sage
  • Sweet Grass
  • Juniper]download
  • Cedar
  • Pine needles
  • Deerstongue
  • Tobacco

The smudging process involves a four-direction ceremony:

  • Clean your space of clutter and open windows and curtains to let in fresh air.
  • Light your herb on fire and fan the smoke clockwise around you and anyone else in the space.
  • Then in your space/home, start at the left side of the room and work you r way through the home fanning the smoke to the east, south, west and then north. Make sure to keep good intentions and welcome the good while getting rid of the bad while you are smudging.

You can also find smudging prayers online to help you with your process.

Good Luck and Keep Clean,

Namaste,

Cindy Buettner

smudging

 

What’s YOUR House Worth To You?

I understand the catchphrase “what’s your house worth,” but to me it means something more than just financial.  I want to know more about what your house is worth to you. Yes, we all need to know what our house is financially worth and you should find out whether you’re wanting to move or not. But…

  • What is it worth when it comes to your health, peace of mind, family, job, etc.?
  • How much work needs to be done on it? Is it safe for your family and health?                                                                     pexels-photo-197071
  • Is it big enough or small enough for your family and gatherings?                                                                                                                                 
  • Is it close enough to your job or would you prefer less commute time?
  • How do you feel about your house when it’s time to go home after whatever you’ve been doing?
  • Are you happy to be there or can you not wait to get out of there?

These are only some of the questions you should ask yourself and your family before buying or selling your home.  It’s a big decision and should not be based solely on a financial aspect. As the saying goes, “If it costs you your peace, it’s not worth it.”

And quit worrying about what you need to do to your house to sell it. A lot of the time there’s not near as much you need to fix as you think. Call a REALTORⓇ, call me, I can help you with all of those decisions. You already have enough going on in your  life  so wouldn’t it be nice to let me take on the stress of your real estate needs so you don’t have to?