Saturday, August 6, 2022 / by Jerry A
If you’re environmentally aware, you’re likely already doing several things at home to help the planet. Recycling, using less water and fuel and making smart purchasing choices can all help reduce your carbon footprint. Composting is a fantastic way to help out mama earth, and with many convenient options, it’s no longer just for those living in the country.
Below are 4 reasons you should consider composting.
It gives back. By composting your food scraps, you’re helping to keep hundreds of pounds of food waste from rotting in landfills. Instead, it will turn into healthy, nutrient rich soil right in your yard or compost space. If everyone composted, sources show we could divert roughly 36 million tons of waste from rotting away in landfills.
It creates healthy plants. If you have a yard or garden you tend to, composting is one of the top ways to help yield a healthy harvest. Compost feeds your plants a top notch diet and helps them grow big, strong, an4 ...
Saturday, July 30, 2022 / by Jerry A
The exterior of your home is always a huge factor for potential buyers who will envision themselves enjoying the outside area, entertaining friends and family while kids play in the yard.
That’s why when prepping a home for a showing, it’s smart to think about the outdoors. That could mean power washing the deck, clearing driveways, or even planting flowers. The one area you definitely won’t want to neglect is the lawn itself.
The positives of a well-maintained yard are myriad and it’s important to get your grass in tip-top shape before showing your home.
When it comes to growing grass, consistent care is key and failure to invest in long-term turf care can open the window to any number of problems in your lawn. It’s also important to give your grass the fertilizing lawn care and control treatments it needs to be based on the season. Lawn care for growing grass in summer, for example, is different from the needs come fall. Make sure to sweep any fer4 ...
Saturday, July 23, 2022 / by Jerry A
Keller Williams Honolulu
1347 Kapiolani Blvd.
Honolulu, HI 96814
Office Phone: (808) 596-2888
Mobile Phone: (808) 208-5065
Saturday, July 16, 2022 / by Jerry A
A mortgage lender looks at several factors when deciding whether to approve a loan application. A lending institution wants to know that a borrower has both the ability and the will to repay debts. If you have a high income and a low credit score, a lender may have reservations about approving your mortgage application.
How a Lender Looks at Income and Credit Score
A lender adds up the costs of housing, car payments, student and other loans, and credit card payments and divides the total by an applicant’s gross monthly income to arrive at a percentage known as the debt-to-income ratio. Some lenders require a low debt-to-income ratio, while others are much less stringent.
A credit score reflects a person’s payment history and use of credit. Someone may have a high income, but that doesn’t mean much if the individual spends money frivolously instead of paying bills. A low credit score is a red flag that can cause a lender to think that a loan applicant doesn’t4 ...
Saturday, July 9, 2022 / by Jerry A
Mortgage lenders typically want borrowers to put down 20 percent of the purchase price toward a home. For borrowers who do not have a lot of money for a down payment, it can be difficult to qualify for a mortgage. Some lenders approve mortgages with less money down, but those borrowers are considered a higher risk than those who put down 20 percent. Lenders often require borrowers with lower down payments to obtain private mortgage insurance (PMI). This is insurance provided by a private company that is designed to protect the lender if the borrower is unable to make the monthly mortgage payments.
When Is Private Mortgage Insurance Required?
If you obtain a mortgage through a conventional loan and put down less than 20 percent, the lender will likely require you to purchase PMI. It may also be required if you refinance your mortgage and you have less than 20 percent equity.
In some circumstances, you may be able to obtain a conventional loan with a low down payment that doesn&rsquo4 ...