Expecting a Newborn? Baby-proof Your Home With This Quick and Easy Checklist

Expecting a Newborn? Baby-proof Your Home With This Quick and Easy ChecklistIt’s a very exciting time for most parents when their kids begin to crawl, but it can also be much more difficult to watch over your child and ensure their safety. If your child is starting to get along on their own and you’re preparing to baby proof, here are the main areas and items you’ll want to watch out for.

Clearing Away The Crib

There’s no place your child is going to spend more time, so ensure that there are no toys left in their crib when they’re going to sleep. You’ll also want to stay away from fluffy blankets that can smother their breathing. It’s entirely likely that you’ll have a lot of stuff to store for your baby, but ensure there are no heavy pieces of furniture in the room that they will be able to pull over or move.

In The Bathroom

It goes without saying that you should never leave a baby in the bathtub alone, but there are other things to do as soon as they become mobile. In addition to non-slip mats for the tub and the area outside of the tub, you may also want to invest in soft covers for the knobs and the spout on the bathtub. It’s also good to keep any hazardous cleaning products out of reach.

Care In The Kitchen

Your baby is likely to wreak havoc on all of the door handles they can, so ensure that you have cabinets that don’t close automatically and a latch for your oven door. If you happen to be cooking in the kitchen when your baby is about, ensure that all pot handles are turned in and all cooking items are kept away from the edges of the counter.

Around The House

Your quickly crawling child will be able to find many hazards if they move fast, so ensure you’ve covered up any electrical outlets or cords that can be pulled out. If there are sharp edges your infant can reach, put safety guards on them to protect your baby’s head. Safety gates should also be used at the top and bottom of stairs to avoid any falls.

Most parents get pretty enthusiastic about the idea of their baby starting to crawl, but it’s important to be prepared for that time by baby proofing your home. If you’re currently getting ready to buy a home for your growing family, contact your trusted mortgage professional for more information.

5 Surprisingly Stylish Ways to Improve Your Living Room’s Look Using Wallpaper

5 Surprisingly Stylish Ways to Improve Your Living Room's Look Using WallpaperFrom a sophisticated couch to a stunning art print, there are plenty of ways that you can dress up your living room and instantly change its vibe. You may not realize it, but wallpaper is back in fashion and becoming another popular way to instantly revamp a room. If you’re contemplating ways that wallpaper can benefit your space, here are some options you may want to try out.

Add An Accent

A brightly colored accent wall may have been a popular trend a few years ago, but a way to bring your wall into current fashion can be to add wallpaper. In addition to a fun print, wallpaper can instantly add elegance without overpowering the look of your living room.

Cover The Closet Doors

If you’ve come across a wallpaper pattern you like, try applying it to the front of the closet doors. It will be an easy way to dress up your doors without adding a coat of paint and will add a subtle effect that will go with your room’s décor.

Add In Some Personality

With wallpaper making a comeback, there are so many options that allow you to personalize your wallpaper and make the room your own. Posters of your favorite rock band may be a thing of the past, but unique wallpaper can be a great way to inject your own passions into your favorite room.

Make It Your Wall Art

Many homeowners struggle with how to dress up their walls appropriately, but choosing wallpaper can be a great means of avoiding this dilemma. Instead of an art piece, you can choose strips of wallpaper to provide visual interest or paper a whole wall that will act as the focal point of your room.

Upgrade Your Coffee Table

It’s often the case that people buy oversized books to decorate their coffee table, but you may want to utilize wallpaper if you have a glass surface on your table. Instead of leaving your table neutral, add a patch of wallpaper under the glass for an instant designer look.

With wallpaper making a comeback, there are plenty of ways to dress up your room for little cost that will make a huge difference in the look of your space. If you’re currently in the market for a new home, contact your trusted mortgage professional for more information.

Graduating From College? 3 Things You Need to Know About Mortgages and Student Loans

Graduating From College? 3 Things You Need to Know About Mortgages and Student LoansAre you thinking about buying a new home using a mortgage loan? If you’ve just graduated from college, you’re probably wondering how your student loans will impact a mortgage and what your options are. In today’s post we’ll share three things that you need to know about mortgages if you’re still working on paying off your student loan debt.

#1: Yes, Your Student Loan Will Affect Your Application

You might as well embrace the fact that your outstanding student loan is going to cause some questions to be asked during the mortgage application process. Mortgage lenders have a responsibility to understand the risk involved in lending a significant amount of money to you. And because of this, any mortgage provider is likely to dig into your financial background to ensure that you are responsible and can afford to make the mortgage payments.

Don’t take it personally. In fact, it’s best to be up front about your existing student loan or other debts and your plan for managing them.

#2: It’s All About Your “DTI” Ratio

Your debt-to-income ratio is going to be a significant factor in the success of your mortgage application. This figure helps to determine how much money you need to send out to balance your debts each month versus how much you’re bringing in from working. If this ratio is too high, it’s a signal that you may not be able to juggle all of the payments you’re responsible for making. Also, keep in mind that over time, your job and income situation will change and this can affect your DTI ratio as well.

#3: Missed Payments Can Cause Serious Problems

Finally, you’ll want to ensure that you don’t miss any student loan payments. Even one missed payment – for any reason – can cause significant damage to your credit rating or FICO score. Successfully managing a higher-than-normal debt load means being strict with your budget and responsible with your payments. If possible, try to have your student loan payments taken out from your bank account automatically. That way you won’t forget or miss the payment deadline.

While it may be a challenge to manage multiple types of debt, it’s not impossible. Juggling student loans with a mortgage can be done and offers the benefit of building your net worth while paying off your past loans. For more information about getting a mortgage when you have student loans, contact your trusted mortgage team today. We’ll be happy to share our insight and make recommendations that fit your situation.