Home Loans – Page 2 – The Real Estate Beat

Avoid These Common Mistakes After Applying for a Mortgage – Shared Article

If you’re getting ready to buy a home, it’s exciting to jump a few steps ahead and think about moving in and making it your own. But before you get too far down the emotional path, there are some key things to keep in mind after you apply for your mortgage and before you close. Here’s a list of things to remember when you apply for your home loan. SOURCE

Don’t Deposit Large Sums of Cash

Lenders need to source your money, and cash isn’t easily traceable. Before you deposit any cash into your accounts, discuss the proper way to document your transactions with your loan officer.

Don’t Make Any Large Purchases

It’s not just home-related purchases that could disqualify you from your loan. Any large purchases can be red flags for lenders. People with new debt have higher debt-to-income ratios (how much debt you have compared to your monthly income). Since higher ratios make for riskier loans, borrowers may no longer qualify for their mortgage. Resist the temptation to make any large purchases, even for furniture or appliances.

Don’t Cosign Loans for Anyone

When you cosign for a loan, you’re making yourself accountable for that loan’s success and repayment. With that obligation comes higher debt-to-income ratios as well. Even if you promise you won’t be the one making the payments, your lender will have to count them against you.

Don’t Switch Bank Accounts

Lenders need to source and track your assets. That task is much easier when there’s consistency among your accounts. Before you transfer any money, speak with your loan officer.

Don’t Apply for New Credit

It doesn’t matter whether it’s a new credit card or a new car. When your credit report is run by organizations in multiple financial channels (mortgage, credit card, auto, etc.), it will have an impact on your FICO® score. Lower credit scores can determine your interest rate and possibly even your eligibility for approval.

Don’t Close Any Accounts

Many buyers believe having less available credit makes them less risky and more likely to be approved. This isn’t true. A major component of your score is your length and depth of credit history (as opposed to just your payment history) and your total usage of credit as a percentage of available credit. Closing accounts has a negative impact on both of those parts of your score.

Do Discuss Changes with Your Lender

Be upfront about any changes that occur or you’re expecting to occur when talking with your lender. Blips in income, assets, or credit should be reviewed and executed in a way that ensures your home loan can still be approved. If your job or employment status has changed recently, share that with your lender as well. Ultimately, it’s best to fully disclose and discuss your intentions with your loan officer before you do anything financial in nature.

Bottom Line

You want your home purchase to go as smoothly as possible. Remember, before you make any large purchases, move your money around, or make major life changes, be sure to consult your lender – someone who’s qualified to explain how your financial decisions may impact your home loan.

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Protect Your Home with Clean and Efficient Gutters

Gutter and Downspout Maintenance

Clean, efficient gutters and downspouts are essential to keeping water channeled away from your roof, walls, foundation and landscape. Experts generally recommend cleaning your gutters twice a year in the spring and fall. If you have a lot of trees (especially pines) near your home you may need to clean gutters more often.

Letting leaves and debris pile up can damage your roof as well as your fascia and gutters. The excess weight of debris and standing water can cause them to sag and pull away.

It is also important to check that the gutters are sloped toward the downspout and the downspouts drain away from the foundation. You may need to add an extension or a splash block for added protection to divert the runoff. If you shop around for splash blocks, you will find many choices such as sculptured/decorative stone, aluminum, concrete, and plastic.

If you are able to clean the gutters safely yourself, a ladder on firm, secure ground is best. It can be dangerous attempting maintenance from on top of the roof. If your home is on a hillside or too tall to access with a ladder, consult a professional.

To get started, clean leaves and debris from the downspout end first, and work away to the other end. Check with your local home improvement store for hose attachments made specifically for gutter cleaning. If your downspout is clogged, check the downspout strainer(s) and be sure it is clear. Check your gutter for leaks by running a hose with water. If your gutter has leaks, first be sure the seam/connection is tight and seal the joints with gutter sealant. Use the proper product for your gutter material, whether aluminum, fiberglass or other. Once cleaned and repaired, you may want to use one of the many products available to help keep them free of debris. One option is to install gutter covers. There are many types, including screens, grates and foam. Look online to research products and installation instructions.

Noisy Downspouts

There’s nothing quite like the loud pinging sound of a noisy downspout in the middle of the night. Generally this sound comes from the elbow, or bend, in the downspout. When the dripping water hits a hard surface it can amplify it to an annoying level.

There are a few do-it-yourself fixes you can try (no guarantees!).

Attach a piece of 1/4” or 3/8” poly rope inside the downspout. The rope can channel the water and eliminate the excessive sound.
Attach a scrubbing sponge (or look for gutter sponges online) to the inside of the downspout where the water hits the elbow. This should soften or eliminate the sound.
Try a decorative downspout such as a “rain chain.” Shop around for a style that complements the design of your home.

I read this article HERE

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DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

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Fall To-Do Checklist

The scent of fall is in the air. Time to bake an apple pie, crunch some leaves on a long walk, and carve the family pumpkin. It’s also time for some fall home maintenance. Use our fall checklist as a reminder to do important seasonal tasks like cleaning the gutters, replacing air filters, and getting the fireplace ready for the coming winter.

I read this article HERE

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Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

September Home To-Do List

Hello again – thought I would share this great article to get your home ready for Fall and Winter!

Check Yourself: 7 Home Maintenance Tasks You Should Tackle in September

By Holly Amaya

For most of the country, September signals the end of summer’s dog days and a return to fuzzy sweaters, chilly evenings, and, of course, pumpkin spice everything (this is America, after all).

But before those first autumn leaves begin to fall, it’s crucial to take a few steps to stave off any cold weather home breakdowns. Luckily, we’re here to make it as easy as possible for you with our handy checklist of home maintenance chores to tackle this month. These quick, relatively painless tasks can potentially save you major repair costs down the road.

1. Check walkways for cracks

“Before the grass is covered with snow, or it’s too cold to venture outside, check walkways for cracks and loose paver material,” says Ryan Williams, general manager of 128 Plumbing, Heating, Cooling & Electric. “Fix walkway and entryway areas before slippery weather can cause a tripping or falling accident.”

DIY: Small cracks can be fixed with simple epoxy and shouldn’t take more than a few hours.

Call in a pro: Serious cracking and concrete damage will require professional repair—expect to spend north of $1,000, although exact costs will depend on the severity of damage and cost of materials and labor in your area.

2. Clean and repair the siding

“After a long summer, siding can become dirty or mildewed,” says Chris Granger, vice president and general manager of Sears Home Services.

September is a great time to use a pressure washer to clean it up—and inspect for more serious problems before winter comes. Check first for rotten or warped areas, and inspect your caulking, which can shrink and crack over time.

DIY: You don’t necessarily have to shimmy up a ladder for a close-up of your siding; the pros we talked to recommend using a smartphone camera or drone to zoom in on problem areas. Inspect the butt joints where two pieces of siding meet and, if you spy cracks, consider tackling the job yourself.

How? A day ahead, thoroughly wash your work surface with soapy water. Once the area is completely dry, squeeze a bit of caulk into the gap in the siding, then smooth it with your finger. Wipe it once more with a damp sponge to even out your work.

(Pro tip: Be sure to never caulk the underside of your siding, which could prevent the boards from expanding and contracting during changing weather.) Once you’ve fixed any problem areas, let everything set for a few days. Then follow up with a good pressure wash (you can rent a machine for around $35).

Call in a pro: If your siding has seen better days (think missing, bent, or cracked pieces), consider replacing it. As a general rule, fiber cement siding is priciest, followed by wood, aluminum, and vinyl. Replacing vinyl siding on an average 2,200-square-foot home will set you back more than $6,500 (in addition to the cost of removing existing materials). If you choose wood or fiber cement siding, you’ll likely spend twice that. For an expert pressure washing, expect to spend $100 to $300.

3. Check and repair leaky faucets

“Before the temperatures start to dip, examine leaky faucets in the kitchen, bathrooms, and utility room locations,” Williams says. “Most likely, whatever time and money you spend now will be considerably less than a broken pipe in the dead of winter.”

DIY: Just turn on the faucet, turn it off, and watch for any telltale dripping. Your fix might be as easy as replacing the washers on the faucet’s knobs, or you might have a worn cam washer, valve seat, or spring. We have you covered with our step-by-step guide to fixing a leaky faucet.

Call in a pro: If you’d rather not deal with it yourself, you can always hire a plumber. Estimates for fixing leaks vary, but expect to spend at least $100.

4. Make sure windows are sealed tight

All double- or triple-pane windows should have a tight seal around their perimeter that separates the individual panes of glass and traps inert gas between them, providing a break between the temps inside and outside your home. If you notice that your windows are frequently foggy, that’s likely a sign of a failed seal.

DIY: Try cashing in on your windows’ warranty first; many companies will cover failed seals for a decade or longer.

Call in the pros: If your warranty won’t cover a total replacement, check out a professional window defogging company. These pros will reseal the window’s perimeter and replace the gas between the panes for an average of $300 (depending on location and the number of windows).

5. Sweep the chimney

When temperatures finally fall, you’ll want to be ready to light your fireplace. But before your first toasty blaze of the season, make sure your chimney has been cleaned.

“Built-up soot in your chimney can increase your risk of a chimney fire, and a clogged chimney can also increase the presence of carbon monoxide in your home by not allowing it to escape when you have a fire burning in the fireplace,” says Lindsey Pasieka of ConsumerSafety.org.

Call in the pros: No DIY here—leave this (dirty) job to a pro, who’ll charge an average of $225 for an inspection and sweep.

6. Change the air filters and tune up the furnace

This one really should be a maintenance task you do every month, Granger says. Dirty air filters can lead to higher energy bills and irreparably damage your HVAC system.

DIY: Changing your air filter is a fairly straightforward task—just be sure to check the size of your existing filter before you hit the hardware store. Pros also recommend removing all vent covers and vacuuming pet dander, hair, and other debris that can accumulate and gunk up your HVAC system.

Call in the pros: Take things a step further by hiring a professional to tune up your unit before winter arrives. A good contractor will ensure your thermostat is working properly, fix loose electrical connections and gas connections, and check your unit’s blower motor and heat exchanger. Expect to spend $80 to $150.

7. Service the yard equipment

Autumn—not spring—is actually the best time to show some love to your lawn equipment before you put it away for winter.

“It’s harmful for equipment to sit all winter long with old oil in the case and dirt on the other components,” says Lisa Turner, author of “House Keys: Tips and Tricks From a Female Home Inspector.”

DIY: Change your oil and filter, replace air and gas filters, and install new blades if necessary. Then perform the lubrication and adjustment maintenance required by your equipment’s manual. But you don’t want to drain the gas tank completely, Turner says. Instead use a premium gasoline without ethanol but with a gas preservative. Just before you store it, fill the tank with this mix.

Call in the pros: If your unit won’t start or turn over, the cost for a lawn mower repair pro will run about $35 to $115. If your lawn mower’s engine needs to be replaced, you could shell out $800 to $900 for a new engine.

The Caton Team is comprised of Susan and Sabrina Caton – a mother/daughter in law team. We are full time, local Realtors with over 25 years of combined Real Estate experience. How can The Caton Team help you?

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DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

Plumbing Maintenance Tips

Performing basic maintenance for the plumbing systems in your home can go a long way to preventing bigger issues from erupting. Here are eight DIY maintenance tips that can help minimize the number of trips to your house from your plumber, particularly if your home has experienced plumbing problems in the past.

Eight Essentials to Good Plumbing Maintenance

Fix leaks and clogs immediately. Plumbing issues like these can quickly turn simple repairs into expensive ones and/or lead to water damage and unhealthy mold or mildew buildup.
Use non-toxic drain cleaners. A solution of baking soda and vinegar can clear most minor drain clogs.
Keep drains object-free. Install properly fitting drain screens and sink stoppers to prevent food, hair, and other things that can stop up pipes from going down the drain.
Learn what your disposal can eat. Not everything can be chewed up by the kitchen disposal. Check your manufacturer’s manual for specifics, but as a general rule, never put cooking grease, coffee grinds, egg shells, pasta or rice in your disposal.
Buy the right tools. Be sure you have a plumber’s wrench in your toolbox as well as a sturdy plunger.
Know locations for all shut-off valves. Your home’s washing machine, sink, toilet, and water heater all have shut-off valves. Know where they are as well as your home’s main water shut-off valve and any outside clean-outs.
Prepare for the season. Before winter, inspect the insulation around the pipes under your house, in the basement, and in the garage. Proper insulation helps keep your pipes from freezing and bursting.
Schedule regular plumbing checkups. Consult with your plumber about a schedule for the routine maintenance needs for your home’s HVAC system and water heater. Also schedule a snake of your sewer lines via your home’s clean-out at least every two years to keep pipes free of clogs and buildup.

Remember: your home’s plumbing has a tell. When you spot one of its tics, like a leaky faucet, water on the floor around a dishwasher or refrigerator, or mildew around a sink, shower, or tub, don’t hesitate to act. It’s a sign that you have some maintenance to do.

I read this article HERE

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Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

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Home Maintenance for Your Hardwood Floors

One of the best and biggest investments in your home – is the flooring. Take care of your hardwood today and it will last generations. If you have any updating questions – curious which updates bring more value to your home? Contact The Caton Team – we’re happy to help! -Sabrina

How To Care for Your Hardwood Floors

Hardwood is one of the oldest flooring materials and is still considered one of the best. Hardwood floors are natural, beautiful, and durable, especially if you maintain them. With good maintenance, they will last longer, look better, and add value to your home.

Make daily dusting and sweeping, with a scratch-free cloth or broom, part of your daily maintenance routine. When you need to vacuum hardwood, be sure to use the soft brush attachment, never the rotating brush roll, or as it’s known in older vacuums, the beater bar. Then, as needed, mop with the wood floor cleaning product recommended for your floor’s type and finish.

Wood floors need a protective finish. Unfinished wood floors require finishing with a protective sealer immediately after installation. Factory-finished floors are sanded, sealed, and ready to use right out of the box. If you have solid hardwood, you may need to add a finishing coat every few years, or eventually sand and refinish decades down the road. If you have engineered hardwood, which is a veneer, sanding and refinishing may be an option one-time only, depending on the thickness of the veneer.

Tips for Cleaning Your Hardwood Floors

Use only wood floor care products; never use vinyl or tile cleaning products.
If you prefer a natural cleaner, like vinegar and water, do your research. Your floors must be well sealed, and the vinegar-to-water pH balance can’t be too acidic, and you must wipe the floors dry immediately.
Most experts advise that you don’t use water to wet or steam mop wood floors.

Tips for Protecting Hardwood Floors

Use felt or rubber protectors on the bottom of furniture legs and never drag furniture on wood flooring.
Use area rugs in high-traffic areas, in front of exterior doorways, as well as in front of the kitchen sink.
Remove shoes at the door, especially high heels or cleats.
Slow down fading by keeping direct sunlight off your floors. Use window coverings to redirect, diffuse, or block UV light. UV-resistant finishes are also available.
Keep dogs’ nails trimmed, or restrict them from hardwood areas.
Wipe up spills immediately; standing liquid can damage wood floors.

Tips for Scratches and Squeaks

For deep or surface scratches, touch up using a stain stick for wood that matches your floor’s finish.
For squeaky floors, if possible, it’s best to repair from underneath which may need to be done by a professional. There are products that include a combination of lubricant and powder, which you can try using on the surface between the planks, but effectiveness may be limited.

Homeowner Tips

Did you know that hardwood floors are among the many home improvements that will pay homeowners back over the long run?
Wondering about other remodeling projects to add value to your home? Learn about the best remodeling investments you can make.
On a budget? Try these inexpensive, DIY home improvement projects to give your home a fresh look.

I read this article HERE

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The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

7 Things Every Homeowner Should Do Once a Year

Look how responsible you are

When you bought your house, there were a million and ten things you needed to do. (Hi, inspection, mortgage application and downstairs bathroom conversion.) But over the years, auto-pilot has set in, and those driveway pavers you always meant to replace are still staring you in the face. Stay on top of your home maintenance to-dos by making sure you tackle each of the following once a year.

Clean your gutters

 Old frisbees. Dead leaves. Dead rodents. (Ew.) Nasty stuff can accumulate in your gutters, and keeping them clear is super important for getting snow and rain off that fancy new roof you just replaced. Here’s the best part: If you get them cleaned right now, you won’t have to think about them again until 2017.

Steam clean your carpets 

Yes, you’re a hygienic person who generally doesn’t track gross stuff into her house. But over time, buildup has a way of accumulating–especially in snowy or dusty regions, or if you’ve got children or pets. Rent a steamer (or hire a professional), and relish in a pile that’s as plush and vibrant as the day you bought it.

Wash your windows… like, for real 

Again, you’re probably already Windex-ing the inside of those suckers on a weekly or monthly basis. But the outsides need love, too. Most modern windows pivot inward, so you can wash the whole thing from inside your house. But if you live in an older building and can’t get to windows on the second or third floor, hire a gent with a squeegee and a ladder.

Empty all your drawers 

OK, this one isn’t just for home owners, but anyone who lives in a house should really be in the habit of emptying and assessing every drawer one time per calendar year. Tackle it room-by-room, taking everything out, deciding if you really need it, then purging accordingly before neatly repacking.

Trim your trees

Next-door neighbor Frank hates when your sycamore cascades over his tool shed. Trim that puppy once a year for the health of your tree (a heavy bow is never a good thing) and, of course, your neighborly relations.

Schedule the exterminator 

If you think you only need to talk to Larry the Roach Guy when you’ve actually got creepy crawlers, think again. Getting your house checked and treated preemptively for bugs gives you a much better chance of not finding something disgusting (or paying thousands of dollars for termite damage) down the road.

Check out an open house in the neighborhood

 Even if you plan to live in your home until they take you out on a stretcher, it’s always a good idea to get a sense of the market. Plus, aren’t you dying to know what Kenny and Margaret did with that hideous wood-paneled rec room? You know you want to.

I read this article HERE

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The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

Is Artificial Grass Right for You?

Artificial grass has come a long way since AstroTurf first hit the playing fields (and maybe your grandmother’s patio). With the ongoing drought in the West, the new, improved artificial grass is becoming more and more popular for sunny, low-rainfall areas, as well as with pet owners, and people who are just tired of lawn maintenance. Today’s synthetic grass is colored and textured to look like various grass types, so you can likely get a look very similar to what you could grow naturally. It is not without its drawbacks, however. Artificial grass is not cheap. Installed costs can run from $10 to $20 per square foot. Compared to natural grass, it can take up to seven to eight years to recoup the initial cost of artificial turf. It isn’t easy to install either, so it might not be the best DIY project.

Best Uses for Artificial Grass

Artificial turf is a good solution if you have an area where grass simply won’t grow because conditions are shady or wet. Artificial grass is a popular option with dog owners for pet runs, or if you have multiple dogs that are wearing out your natural lawn. Artificial greenery is also a great option for places like a small patio or outside space. It also works great for defined shapes within a yard where real grass edges can be tough to mow and keep weed-free.

Pros:

No need to water your lawn
No weeding or mowing
No need for fertilizers or pesticides
Looks very similar to natural grass: soft, even, and green
Does not get muddy or rutted (and keeps your house cleaner)

Cons:

Expensive
Needs to be cleaned off with water and sanitizing agents (more frequently if you have dogs)
Not easily recycled
Heats up in direct sun
Banned by some homeowners associations and municipalities

The Bottom Line

If you love the look of green grass and plan to be in your house for a while then it’s worth considering an artificial lawn. For pet owners, it can be a great solution, but remember it can’t absorb and break down pet urine, so it will require washing (which does take water). Although it’s not maintenance-free, it certainly requires less maintenance than real grass. Remember to check with your city or HOA about their rules for artificial grass.

I read this article HERE

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The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

How to Create a Home Maintenance Log

With a homeowner’s maintenance log you can keep track of maintenance and repair details about your home as well as improvements, updates, and upgrades you make over the years. You can store appliance and system manuals and instructions, warranties, and other resources, like where to shut off utilities.

To create your own home maintenance log, first collect and organize important materials in a binder or expandable folder. Add pockets or sleeves to organize receipts, manuals, floorplans, warranties, and so on. If you prefer a paperless version, you’ll need to take time to scan all these documents. Microsoft Excel has a great Home Maintenance Schedule template that is easy to customize and update.

What to include:

Manuals and warranties – File home system and appliance instructions, maintenance records, and home warranty information. If you have a home warranty, keep a copy of the contract in the binder.
Maintenance receipts and contact information
- Keep receipts and contact information from service providers such as: carpet cleaners, HVAC, garage door opener repair, chimney sweep, gutter repair, roof inspection/repair, solar panel cleaning, and more.
- If you have a home warranty plan for your systems and appliances, include service call information, repairs, and all contact information.
- List previously used service providers that you would recommend, such as painters, yard service, and pest control.

Homeowner maintenance records – It can be easy to lose track of when you last performed maintenance so be sure to keep records of gutter cleaning/repair, painting, repairing decks and walkways, HVAC filter replacements, sprinkler systems, and window cleaning, including slides and screens.

Home improvements

Keep track of interior improvements including overhead lighting, fans, smart thermostats, storage systems, and dimmer switches, as well as low flow toilets and showerheads. Be sure to include information about refinishing/replacing of floors or cabinets.
Record exterior improvements such as landscaping and sprinkler systems, exterior lighting, solar panels, window upgrades, pool resurfacing, fencing, decks, tree removal, and so on.
Include specifics – When you paint, record the brand and color formula in your maintenance log. If your replace the roof, keep track of the type of material, color, manufacturer, and warranty info.

Maps and resources – Record the location of shutoffs for the main water, gas, and electrical, as well as the electrical panel. If your home is on a well and/or septic system, map the well, septic tanks, and leach field/lines. Include location of solar panel control/displays and sprinkler junction box.
Neighborhood information – Include information on HOA guidelines and fees and how to contact your Homeowners’ Association, if applicable.

A Great Selling Tool

When it comes time to sell your home, your home maintenance log is also a valuable reference that demonstrates how well you’ve cared for your home. Providing this kind of comprehensive record can really inspire confidence for the buyer who wants to purchase your home.

I read this article HERE

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Home Repair No-Nos: Repair Tips for Every Homeowner

Are you a first-time homeowner? Have you purchased a new-to-you home? Either way, you have a lot to do. When you’re starting out as a new homeowner, it can be hard to know the right things to do and NOT to do when it comes to home maintenance, cleaning, and general upkeep. Here is some guidance to help you know what not to do.

New Homeowner No-Nos – Inside

Sealants

Needlessly applying sealant to surfaces can permanently discolor stone, concrete, and glass, to name a few. Never use sealant on natural materials like quartz, plastic materials like laminates, or commercial acrylic products such as Formica and Corian. Generally, most materials will not need reapplication of sealants very often. Instead, test surfaces using water to check if it’s time to reseal. For example, if water on a kitchen countertop no longer beads, it may be time to reapply.

Drain Cleaners

Chemical drain cleaners contain active ingredients that can damage plumbing. Drain cleaners may seem like easy, short-term fixes for clogs, but they can lead to long-term, costly problems. And the chemicals in drain cleaners are just plain bad for the earth. Instead, invest your money in a good plunger, a drain snake for tougher clogs, and if those plumbing tools don’t work, call a plumber.

Glass Cleaners

Here’s a little-known consequence to spraying commercial glass cleaner on mirrors: The liquid can seep into the backing on many types of mirrors, leading to discoloring around the edges of the mirror over time and irreparably damaging the backing. Instead, simply dampen a microfiber cloth with warm water and immediately apply a dry cloth to remove excess water.

Bleach

Bleach is actually damaging to most elements and materials found in use in homes. Do not use bleach to clean sealants on granite and other stone surfaces, vinyl, linoleum, and laminate materials, colored grout, enamel, or acrylic surfaces in a bathtub. Never mix bleach with cleaners that contain ammonia! Doing so produces highly dangerous and toxic vapors. Instead, use a vinegar solution. Nothing is better or healthier for cleaning most surfaces in your home.

New Homeowner No-Nos – In and Out

Caulk

Using the wrong caulk can be damaging. That’s because there is a right caulk for the kitchen, bath, gutters, brick or concrete, mortar, and so on. The wrong caulk won’t adhere, or will breakdown, allowing moisture to seep in, or compromise the surface you’re caulking. Instead, ask your local hardware specialist for advice on buying the right caulk for your project.

Tools

Invest in well-made tools for your new home – a hammer, screwdriver set, ladder, and maybe a mower. Avoid buying inexpensive, knock-off brands even if you’re on a budget – they are not made to last. Instead, for budget-conscious homeowners, visit yard sales and look for used tools from quality brands, or start slow with a basic toolbox and build up your set over time.

New Homeowner No-Nos – Outside

Mulch

For your first landscaping project, do not over-mulch. Too much mulch can suffocate plants and prevent water from reaching roots. Instead, add mulch to no deeper than three inches.

Ivy

It may look charming, but ivy will keep growing. Eventually ivy will spread under a home’s siding or shingles, damage their integrity, and ultimately cost you, either in replacing siding, providing entry points for invading pests, or both! Instead, research how and where to thoughtfully plant ivy. A quick web search can also provide better alternatives for plants to safely grow along the base of your home. Note: Plants need to be placed two feet minimum away from the foundation.

Trees

Planting trees close to a home may look nice when the trees are young, but they grow, too! You need to consider the room that baby tree will need at maturity. Trees planted without thought to full height can grow roots that push up through your driveway, sidewalk, and foundation. Instead, plant each tree according to its height and root spread at full maturity. The Arbor Day Foundation has a handy tree spacing guide to help you ensure adequate clearance from your home, fencing, and so on.

Firewood

Do not store firewood right outside your home against exterior walls, otherwise you will invite termites and other pests into your home. Instead, keep firewood at least twenty feet from your home, or further if your property provides room to do so. Better to take a small hike out to the wood pile than let pests make an easy hike into your new home.

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Got Real Estate Questions? The Caton Team is here to help.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

Don’t Deposit Large Sums of Cash

Don’t Make Any Large Purchases

Don’t Cosign Loans for Anyone

Don’t Switch Bank Accounts

Don’t Apply for New Credit

Don’t Close Any Accounts

Do Discuss Changes with Your Lender

Bottom Line

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Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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Best Uses for Artificial Grass

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New Homeowner No-Nos – Inside

New Homeowner No-Nos – Outside

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Berkshire Hathaway HomeServices – Drysdale Properties

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