Parry Custom Homes Blog

Blog Archive for September, 2015

Building Your Credit Back During and After Divorce

Categories: Buying a Home, Homeowner Tips, Pittsburgh custom homes | Posted: September 27, 2015 | Comments Off on Building Your Credit Back During and After Divorce
Planning Post Divorce

Planning Post Divorce

The topic of divorce is often a topic that is not talked about or discussed when it comes to financial planning. However, more and more homebuyers have to re-enter the housing market and look for a new home for themselves post-divorce. If you are looking for Pittsburgh custom homes and find yourself in this position, Parry Custom Homes has some tips on how to build your credit back up if it was affected during divorce.

If you don’t have credit established in your own name, divorce can be particularly hurtful when it comes to moving forward financially on your own. If you have no credit or a thin credit file, this can be a challenging hurdle when trying to move forward.

The best way to handle this is to prevent it, if at all possible. Establish separate credit as soon as you can, to maintain an individual amount of credit or two under your own name. A small purchase every two months is enough to keep an open account active.

If you didn’t do this pre-divorce, it is not too late. Establish separate credit during the divorce and use the primary wage earner’s income and credit history to qualify.

The first step will be to obtain your own credit report. This report can help you find out any credit that is open in your name and any debts as well. From there, open a major credit card in your name and get a car loan, open a bank account, sign a rental agreement or take additional actions to establish personal finances.

These steps are key to being “up and running” after divorce and not leaving yourself in a hole you are trapped in.

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.

 

Tips For Selling Your Home

Categories: Buying a Home, Homeowner News, Homeowner Tips, On your lot builder Pittsburg | Posted: September 21, 2015 | Comments Off on Tips For Selling Your Home
Tips To Sell Your Home

Tips To Sell Your Home

Are you in the market for a Pittsburgh on your lot builder to build your new home, but need to sell your existing home first? If so, Parry Custom Homes has some tips to help you sell your current home so you can move into a beautiful Parry Custom Home as soon as possible!

Once your home is on the market and ready for buyers, the look and feel of your home will have a huge impact on how your home is perceived to buyers and how quickly it will sell. Here are some important tips to focus on that can help sell your home fast.

First, remember that first impressions are everything. Make sure the exterior of your home makes a positive first impression to buyers. Be sure your lawn is mowed, you have trimmed the bushes and spent time mulching the flowerbeds and pulling weeds. This can make a huge impact on how your home is seen by buyers. Also, be sure to clear your yard of any clutter or kids toys.

A good rule of thumb is to keep things simple, neutral and open. Buyers need to be able to visualize their things in your home, so making your home as simple and de-cluttered as possible is a bonus. Give them as blank of a slate as you can to allow them to visualize their own taste, and not have to look past your own- even if you think it is great.

Next, make sure you fix everything. Whether it is a nail pop in the ceiling or a dent in a door, be sure you clean up all of the aesthetic things that are damaged to ensure you don’t turn off a potential buyer. Also, make sure you are not overlooking things that are already fixed. If you have a stain in your ceiling from a leak in the attic that you fixed, be sure to paint the ceiling so that buyers don’t think you have an issue you haven’t taken care of prior to listing the home. Plus, there is no reason to highlight a previous issue.

Lastly, be sure your home is clean. It might sound simple but having clean carpets, walls, showers, siding and garages will go a long way. It is also not a bad idea to add a few candles to make your home smell and shine like new.

Implementing these simple tips will put your home in the position to sell!

 

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.

Steps To Save For A Down Payment

Categories: Homeowner Tips, Pittsburgh New Home Builder, Pittsburgh on your lot builder | Posted: September 14, 2015 | Comments Off on Steps To Save For A Down Payment

 

Saving for a down payment

Saving for a down payment

Many twenty-something’s now find themselves searching for their first home, due to the fact that renting has become just as high, if not higher, than mortgages in many states. If you find yourself in this same scenario in looking for a Pittsburgh new home builder or know someone who is, Parry Custom Homes has some great tips for how to save up for a down payment.

Saving for a down payment on a new home may seem like a daunting or impossible task, but with the proper planning and smart decisions, you can have a down payment saved sooner than you might think.

First, the minimum down payment for a new home will depend on your financing and might be lower than you anticipate. The best first step to take is to meet with a loan officer to determine the down payment amount you will need in order to purchase your first home. Some down payments can be very doable, depending on the factors of your loan. Here are the best ways to plan out and save for that down payment amount.

The very first step you should take when saving for a loan is to work with a loan officer to clean up and credit issues you might have. Your credit will determine your purchasing power, so you want it to be in the best shape it possibly can before you start looking at homes and shopping for a home loan.

Once your credit is in place or is going in the right direction, then establish what your new home price will be and what you can realistically afford. Once you know your purchase price, you can calculate the down payment number you will need to save towards.

Next, set a goal and a deadline to stay on track with monthly savings to keep you motivated. Then, start saving! It is easiest to create a separate savings account for your down payment. You will be less temped to spend if the money is s not among the accounts you access regularly.

It is also best to save automatically. This means, with each paycheck the first thing you do is put the money you have dedicated towards savings directly into that savings account you created.

Lastly, see how you can lower your monthly expenses. By cutting back or eliminating monthly expenses you don’t need, you can free up that money for savings.

Easy Ways To Declutter Your Home

Categories: Homeowner Tips, On Your Lot Builder Pittsburgh, Pittsburgh on your lot builder | Posted: September 1, 2015 | Comments Off on Easy Ways To Declutter Your Home
Easy ways to declutter your home

Easy ways to declutter your home

If you’re currently in the market for a Pittsburgh on your lot builder to build your new home, chances are you’re looking at your current home and wondering how you’ve accumulated so much stuff since moving in. Moving is generally a time where people de-clutter in hopes to start off life in their new home, with a fresh slate. Parry Custom homes shares some tips on the top things people can get rid of that will de-clutter their home.

One of the first things you can get rid of and find in most any home? Coffee mugs and lots of them. In most homes, there might be one or two coffee drinkers. However, if you look in most cabinets, you can find one if not two shelves full of coffee mugs. Unless you have a large family of mug users, chances are you can cut that number down to a fraction of what you have and get along just the same.

Keeping that thought in mind, think of any and all repeat items you have more than one or two of. Do you need multiple of that item? If the answer is no, toss the extras.

CDs and DVDs are something that most any home has plenty of, yet they never get used. Keep the ones that you will actually listen to or watch again, and get rid of the rest. Most people are so dependent on Netflix that even their CD and DVD players could go as well!

Reusable shopping bags are another item that are generally overflowing in the cabinets of many homeowners. In reality, a handful is all you need. Especially if you make weekly grocery trips where you can always get more.

Other things that can quickly turn from a few of your favorites to clutter are books. Donate unused books to bookstores or schools and have them be put to good use, rather than collecting dust on your shelves.

Vases are another item that over time can become a cabinet full of useless items. Keep any that are sentimental to you and toss the rest.

For dishware, have enough for a week and get rid of the rest or put it in storage where you can access it later, if needed. There is no need to have more than you will use in a week’s time, in your cabinet. Plus, it is a good reminder of when to do the dishes!

Hopefully these tips will help de-clutter your home and give you a fresh start when moving into a new one. Be sure to contact Parry Custom Homes for the best partner to build your new home in Pittsburgh!

 

 

Parry Custom Homes is an established homebuilder in the Pittsburgh area.  Call or contact us today for more information about this floor plan option, or to view other homes in our portfolio that may suit your new home needs.