Mortgage season is definitely here, with the real estate market in full swing and interest rates poised to rise, making it the perfect time to refinance an existing loan. To help you make optimal decisions about your mortgage options, we’re featuring this “Closing Thoughts” guest post from OSB’s Mortgage Lender, Kacie Eberenz (NMLS# 1458409).
Once you have found the perfect home, secured the mortgage loan that you need and have sold your existing property, real moments of panic can set in when you realize how much you have to do as you take possession of your new house. The list can seem endless: packing, unpacking, coordinating movers, changing your address, setting up utilities, and getting your new home move-in ready. This transition phase is overwhelming for many people, but you can restore your peace of mind if you use the following tips to simplify the process:
Clear your calendar. Trying to pack, coordinate appointments for utility hook-ups and deliveries, plus accommodating meals and daily living activities when your home is in moving mode is stressful enough. If you can, take some time off work or at least make the weekends obligation-free so you can accomplish what you need to get done.
Clear your closets. In addition to freeing time to get ready for your move, you should free yourself (and your new home) of unnecessary items. Before you even start putting anything in a packing box, make the tough choices about letting go of the possessions you no longer need. If you move extra stuff to your new place, it will not only add to the physical congestion there, but also make you feel more stressed about finding a place for it.
To divest of your unwanted items, consider having a garage sale, taking items to consignment shops or donating them. Some moving companies will help you drop off unwanted items at non-profit organizations that can use them—be sure to ask your movers!
Have a packing plan. Make sure you think about the layout of your new house when packing boxes, putting items that you want to go in the same room together. Labeling boxes according to the rooms they need to go to and/or the names of items in them will save you valuable time when unpacking.
Pack a box of essentials. One of the first things to pack is a box with all of the “urgent” things you’ll need at your new home as soon as you arrive such as toilet paper, paper towels, a note pad and pen, cleaning supplies, snacks and drinks. This will save you time and the hassle of searching through boxes or having to run to the store in the midst of moving in.
Time moving-related appointments right. Once you’re ready to move, you’ll realize how many appointments there are to schedule! There’s cable and/or internet services, appliance deliveries and more, so try to consolidate as many of these appointments to a single day as possible so you only have to wait at home for a specific period, rather than at multiple times on multiple days. Also, consider scheduling them before your actual move-in date to make the day you move a little less hectic.
Enlist help when you need it. It’s very hard, if not impossible, to manage a move alone. You can ask friends and neighbors to pitch in when they can, but even this may not completely relieve the stress, since you’ll have to plan for them and direct them, too.
One of the best ways to make sure everything gets done efficiently is to use professional home concierge services. These services, where a professional comes to your home and takes on the tasks of moving preparation for you can save you significant time and frustration. Plus, you’ll be amazed at the difference a professional touch can make when organizing your closets, cupboards—and even your garage!
Let OSB help you simplify the moving process with a special offer. At OSB we want to make every part of the mortgage process easy for you—and we want to help you avoid any panic over other things related to moving, too. That’s why when you establish a new mortgage or refinance an existing loan at OSB now through December 31, 2017, we’ll provide you with a complimentary hour of services from Brooklyn’s own Simplified Living Concierge Services to help you get settled more easily in your new home. See details of the offer above and be sure to contact me if you need assistance with your home financing needs.