Category: Michele Rons (2)

Blog by Michele Ronsisvalle

You’ve jumped through all the hoops and submitted every document your lender has requested, sometimes even more than once. Now you’re in the home stretch and it’s finally closing day!

It’s not unusual for a mortgage company to check your credit just one more time the morning of closing, just to make sure nothing has changed significantly. So keep in mind that from the moment you have initially applied for your real estate loan, breaking even just one of the following Ten Commandments could result in the loss of the loan, your new home, and very likely your earnest money as well.

Of course, once you sign the documents and you’re closed these commandments no longer apply. But you just bought a house so maybe wait a day or two before you go on that crazy spending spree.

1.  Thou shalt not change jobs, become self-employed, or quit your job.

2.  Thou shalt not buy a car, truck, motorcycle, or van (or you may find yourself living in it!)

3.  Thou shalt not use credit cards excessively or let your accounts fall behind.

4.  Thou shalt not spend the money you have set aside for closing.

5.  Thou shalt not omit debts or liabilities from your loan application.

6.  Thou shalt not buy furniture, televisions, or any other “big ticket” items.

7.  Thou shalt not originate any inquiries into your credit, or open new line of credit.

8.  Thou shalt not make large deposits without first checking with your loan officer.

9.  Thou shalt not change bank accounts.

10.  Thou shalt not co-sign a loan for anyone.

Plumber connecting PVC pipes

Blog by Michele Ronsisvalle

Have you noticed that everything needs maintenance whether it be your vehicle, body, relationship or home? The Florida sun, wind and rain can wreak havoc on a home and the pleasant, sunny days make spring an ideal time to take care of those items that might need a little attention. Here’s a list of things that will help you get started and give you a leg up when it comes time to put your house on the market for sale or just make sure it’s in tip top shape throughout the year.

Inside:

  • Change the a/c filters (this should actually be done monthly in the summer, quarterly in winter)

  • Have the a/c serviced by a professional and install a float switch if the system doesn’t have oneXLLM

  • Clean the exhaust for the clothes dryer (cleaning the filter inside the machine after every cycle will help)

  • Make sure your smoke detectors are working properly, replace the batteries

  • Check that all electrical outlets do not have frayed wires or loose fitting plugs and ensure they are not overloaded

  • Check the water heater for leaks and corrosion

  • Make sure the plumbing fixtures and pipes under cabinets are not leaking.

  • Replace burned out light bulbs in fixtures with wattage recommended by manufacturer. Flourescent bulbs produce less heat but it’s been determined they are very bad for your health.

  • Make sure the fire extinguisher is filled and tested for proper operation

  • Re-caulk around baseboards, crown mould and windows/sills

  • Check to see if bathtubs and sinks need re-caulking or re-grouting. Cracks could allow water intrusion and mold growth.

Outside:

  • Check the roof to ensure there are no missing or damaged shingles or tiles. Make sure the flashing is secure, replace rotted facia and missing or damaged soffit.

  • Trim trees and bushes away from roof, house and utility wires and remove dead/diseased trees. Fertilize the lawn.

  • Clean out gutters. Reattach those that have pulled away from the house. Run a hose on the roof and check that they are draining properly.

  • Check the exterior paint on a stucco house. Small hairline or wider cracks could allow water intrusion and eventual rotting. Pressure wash siding to prevent mold growth.

  • Make sure wood decking, railings and stairs are secure and properly painted and sealed.

  • Inspect caulk around all windows and re-caulk if deteriorating

  • Clean screens and check for holes. Patch holes and save old screens for future patching needs. Wind can damage frames and screens that are left to blow around so tighten or repair the frames and hardware and lubricate door hinges.

  • Check sprinkler system for leaks and repair missing or broken sprinkler heads.

  • Make sure the pool pump is free of leaks.

If you need a handyman to help with any minor items give me a call and I will recommend some great ones. Of course, if you have someone fabulous that you would like to share please email me.
“Magic May” is almost here so if you or anyone you know needs to sell or buy please give me a call and I promised to give them world-class service with excellence.

Happy Spring Maintaining!

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