Thanksgiving Home Décor Ideas

Thanksgiving is the start of the holiday season, although I have to say, some people are already decorated for Christmas.  Don’t get me wrong, I love Christmas, but for me personally, I don’t decorate for Christmas until the day after Thanksgiving.  So for those of you that are still decorating for Thanksgiving, this is for you.

While the standard pumpkins and scented candles are a nice touch, there are so many other options for decorating a home for Thanksgiving. Consider these interesting and unusual touches to bring a fall feel to your home.

  • Colorful Leaves – In most parts of the country, there are piles of fall leaves in the front yard. There are a huge variety of uses for these bright leaves. Gather some to use on the dining room table, inside candle hurricanes or scatter along the mantle.

  • Natural Elements – Decorations don’t need to be so obvious. Consider using driftwood, acorns and pinecones to add a fall flavor to your home décor.

  • Fall Fruit – Lemons placed in a bowl have long been a staple in spring and summertime staging. In fall and winter, change the lemons to a variety of colors of apples. Everything from red to green and everything in between adds a seasonal tone to the kitchen.

  • Pillows and Throws – There’s no rule that says that one needs to keep the same pillows and throws throughout the home all year around. Consider fall/winter colors and themes to add interest to living rooms, bedrooms and dens.

Whether you choose to decorate or not this Thanksgiving season, be sure to spend time in gratitude, spend time with loved ones and be sure to give where you can, as these are the things that truly lead to us to joy.

Buying a home in the fall

Reasons to Buy A Home in the Fall

This might come as a surprise to you, but fall is a great time to buy a home. There are still homes on the market which did not sell during the summer months, some have been discounted. There are also homes newly listed by sellers trying to beat the slower winter months. At the same time, there are fewer buyers out searching, which makes it the perfect time to buy a home. Here are some of the advantages to buying in the fall:

  • Fall home buyers should be ready to move when they find the right home and at the right price. Make sure you get pre-qualified before you start your search, so that you can jump at the right opportunity. You wouldn’t want to lose out on a home because you were not already pre-qualified.  Sellers expect to see documentation that you have already taken this step. It shows them that you are a serious buyer. As a matter of fact, most brokers require their agents to have this document before they can even show you a home.

  • The homes imperfections may more readily stand out to you.  With windy or rainy weather, homes can show their scars. Look for evidence of water intrusion and evaluate the yard debris with the falling leaves. Look at gutters and ceilings for both. Of course, I always recommend a home inspection to my buyers no matter how great the house looks.

  • It is a good time to visit the local school/s. With school in session, this is a good time to visit and ask questions from teachers and administrators.

  • If you don’t find the right home in the fall, then don’t be afraid to wait for winter if necessary. Buyers all but evaporate in the winter months, so while the competition seems low in the fall, wait for the right home to come along, even if it’s in January.

Buying a home this fall is exciting. By using the season to its advantage, home buyers can get a great deal finding their next home.

Credit card image

Ways to Raise Your Credit Score

Buying a new home is an exciting time. It can also be stressful if you are unsure about your credit or know that your credit is not as high as you’d like it to be. Your credit score is one of the biggest factors in how much of a home loan you can qualify for and the interest rate you’ll pay. The good news is there are easy ways to increase your credit score. By following a few tips, you can make sure your report accurately reflects your use of credit and create a plan to improve your scores if necessary.

• Check for Errors – Errors on a credit report is very common. Make sure that everything is current and accurate.

• Pay Down Credit Card Debt – One of the easiest ways to boost your score is to lower your credit card balances. Aim to have no more than 50% of available credit in use.

• Remove Negative Accounts – If you have old collections or bad debt, negotiate with the creditor to pay some/all of the debt in exchange for removing the record.

• Keep Old Accounts Open – About 15% of your score has to do with how long you’ve had credit accounts.

• Pay on Time – This might sound simple, but always pay your bills on time.

By understanding what affects your credit, you can make real changes which will increase your score. If your credit isn’t where you want it to be and you are hoping to be able to buy a home in the near future, it is always a good idea to speak to a loan officer.  Some loan officers even have programs that they can place you in to help improve your credit score over time. Credit issues do not have to last forever.