Nelson Zide
ERA Key Realty Services | 508-277-7794 | nelson@nelsonzide.com


Posted by Nelson Zide on 11/25/2020

Photo by StockSnap via Pixabay

Kitchen and bathroom drawer slides are built to take a beating. You've undoubtedly had an item stuck and had to force the drawer open. Somehow it still worked after that. Children pull down on them, trying to climb up onto the cabinet. Mindless adults or teens slam them shut from time to time. 

All of this wear and tear leaves you with a frustrating drawer that won't close smoothly or stay closed. But the great news is you don't have to live with lousy drawer slides. There's a straightforward fix.

What you'll need

  • A screwdriver (probably a phillips head, but take a look at the screws)
  • New slides, also called glides
  • Straight edge
  • Tape measure
  • 3/32-inch drill bit
  • Pencil
  • Power drill with screw tip
  • Level

Step one: prepare your area

Start by taking everything out of the drawer. Make some room on the counter to set your supplies as you work. *Pro tip* It's amazing how quickly little screws can disappear. Please put them in a bowl rather than laying them on the counter and hoping they stay there. You may reuse them.

Step two: remove the drawer slides

Remove the drawer and unscrew the slides from each side of the drawer. You'll find their counterparts inside the space where the drawer came out. Unscrew those as well.

Step three: attach new drawer slides

You'll have a left and right drawer slide. Each will have two parts, one for under the cabinet and one for on the drawer. Place the right pieces and left pieces together so you don't mix them up.




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Posted by Nelson Zide on 11/18/2020

Buying a house involves dozens of interrelated decisions, many of which could affect the quality of your life for years to come. No pressure, though!

Working with an experienced real estate agent with whom you feel comfortable is one strategy for successfully navigating many of those pivotal decisions. The ideal buyers' agent will be familiar with neighborhoods in your target area, and is trained to help you match your requirements with properties in your price range. They can assist you in developing a priority list of things you want and need in your next home.

In addition to noticing the features of each individual house you're considering, there's also the bigger picture of the character of the neighborhood in which homes are located. Here are a few things you may want to keep in mind as you visit different homes for sale.

  • Street traffic: There are several distinct disadvantages to living close to a busy street or highway. First of all, there's the noise factor, which is often a deal breaker for people who thrive on peace and quiet! If you have young children, a busy street can also be a potential safety hazard. When you have cars constantly driving by your house, privacy is another issue to consider.
  • Proximity of houses: Speaking of privacy and quiet, there's also the question of how physically close houses are situated next to each other. If they're only ten or twenty feet away, then you might end up knowing more about your neighbors than you really want to! (The reverse of that is also true.) In those instances, privacy hedges and tall fences can provide some benefits.
  • Appearance of the neighborhood: If nearby houses are in run-down condition or poorly maintained, that's generally a "red flag," in regard to the quality of the neighborhood. The same can usually be said about prospective neighbors who keep junk vehicles or construction debris on their property for any length of time. If you're considering a neighborhood with one or more abandoned houses on the street, proceed with caution. However, what you see, is not always what you get! Appearances can be misleading, and there may be plans underway, for example, to demolish a fire-damaged house and replace it with a new and improved home. Very often your real estate agent can find out more about the circumstances surrounding an abandoned or boarded-up house. They may also be able to help you research crime statistics for a particular neighborhood or street.
  • Convenience factors: All things being equal, it's nice to live within walking distance or a short drive from grocery stores, drug stores, banks, public parks, the post office, child care services, schools, doctors, dentists, hospitals, veterinarians, restaurants, and other amenities.
When you've narrowed down your house search to one or two possibilities, a lot of useful information can be gathered by scheduling a couple additional visits and/or walkthroughs -- especially at different times of the day or week. Second and third visits to homes you're considering can definitely shed additional light on factors such as noise level and other quality of life issues.





Posted by Nelson Zide on 11/11/2020

Moving can be fun, exciting, and stressful all at the same time. With so many things happening and so much to keep track of, it can be easy to get overwhelmed.

 When youíre stressed and trying to multitask, thereís also an increased risk of personal injury and damaged belongings.

 While it may seem worth it to overlook safety in order to save time or money on moving day, itís important to remember that you and your familyís health and well-being is much more important than saving a few minutes or dollars.

 In this article, weíre going to give you a few simple moving day tips that will help keep you and your belongings safe so you can rest easy on the first night in your new home.

 Ask for help

Many moving day injuries result from one person attempting to lift, carry, or move items that really require more hands. Itís easy to see how this mistake is made. Everyone is busy with their own tasks, whether theyíre packing boxes or cleaning.

To avoid injury when lifting items, know your limits and always ask for help. If you donít feel comfortable moving heavy items, now is no time to push yourself--youíll be needed throughout the day, so depend on your family or hired movers.

Plan your route

Many damages and injuries occur when we havenít properly prepared. Know the terrain of the place youíll be carrying your items to. Plan ahead for the size of staircases, dangerous hills, or ruts in the ground. Put safety cones down in dangerous areas so no one is hurt or drops fragile items.

Load your truck wisely

Whether youíre moving far away or just a few blocks, a lot can go wrong once the truck starts moving. However, even if you donít have many fragile items inside, thereís the risk of boxes toppling on you and your family when unloading the truck if the boxes havenít been stacked wisely.

First, try to keep boxes lighter than what youíre comfortable carrying. Itís easier to move more boxes than to struggle with one particularly heavy one.

For heavier items, utilize equipment like dollies, hand trucks, and furniture sliders to protect you and your belongings.

Finally, practice smart loading and unloading techniques in your moving truck. Load the heaviest items (like appliances) first, and put lighter boxes on top of them. Think of loading like a game of Tetris--always aim for a strong foundation to stack on top of to avoid boxes falling on you or each other.

Take breaks

On moving day you may be on various deadlines, whether itís moving trucks or getting things unloaded before sunset. However, itís important that you take several breaks while loading and unloading, especially if youíre moving on a hot day.

First aid

Sometimes, even if you do everything right, mistakes can happen. Itís important to be prepared for when they do. Make sure you have a first aid kit in your moving truck that contains unexpired first aid supplies.

Be sure to have your cell phone handy and know the location of the nearest hospital in case of an emergency.

If you follow these tips, you should be on your way to having a successful, injury-free moving day.




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Posted by Nelson Zide on 11/4/2020

Before you list your residence, you'll want to consider your home selling price closely. By doing so, you can improve your chances of generating significant interest in your home without sacrificing any potential profits.

Ultimately, finding the best home selling price can be quick and easy Ė here are three tips to help you do just that.

1. Perform a Real Estate Market Analysis

Evaluate how your house stacks up against the competition by performing a real estate market analysis. This will enable you to collect a broad assortment of housing market data and set an aggressive price for your house based on the current real estate sector's conditions.

As part of a real estate market analysis, take a look at the prices of local houses that are similar to your own. This will help you establish a price range for residences in your city or town.

Also, check out the prices of recently sold homes in your region. This housing market information will help you differentiate between a buyer's market and a seller's market and ensure you can price your residence appropriately.

2. Get Your Home Appraised

A home appraisal offers many benefits for a home seller that extend beyond establishing the best home selling price.

During a home appraisal, a property inspector will examine a residence both inside and out. Then, he or she will offer an inspection report that outlines a house's strengths and weaknesses as well as the present value of a house.

When it comes to figuring out the best home selling price, a home appraisal is ideal. This appraisal will make it easy for you to establish a competitive price for your home from the get-go. Plus, it may help you uncover innovative ways to improve the condition of your house before you add your residence to the real estate market.

3. Consult with a Real Estate Agent

Although a home seller may conduct a comprehensive real estate market analysis and receive a home appraisal as he or she evaluates the best home selling price, nothing beats working with a real estate agent. In fact, a real estate agent is happy to provide expert home selling assistance and ensure that you can get the best results possible at each stage of the home selling journey.

A real estate agent will learn about your home selling goals and help you map out the home selling journey accordingly.

For example, if you're in a hurry to sell your house, a real estate agent can help you set an aggressive price that results in a quick home sale. On the other hand, if you're dedicated to maximizing the value for your residence, a real estate agent will make it simple to optimize your home selling profit.

With a real estate agent at your side, establishing the best home selling price should be no trouble at all. This housing market professional will go above and beyond the call of duty to support your home selling goals and guarantee that you can enjoy a seamless home selling experience.





Posted by Nelson Zide on 10/28/2020

Photo by Gustavo Frazao via Shutterstock

Whether youíve been saving up for a while or youíre just getting started, getting into a home might be easier than you think. If youíre looking to buy a home, but you just arenít sure about tying all your savings into a house, check out the various loan options with low down payment requirements.

The Myth of 20%

A lot of misconceptions exist about the down payment required to buy a home. Particularly about the "20% down" rule. Even though many potential homebuyers think they need to save up that 20% ó and they delay buying a home because they havenít been able to ó itís actually not a rule. While it is a suggestion, and necessary for obtaining a ďconventionalĒ loan, itís not required to buy a house. Some first-time buyers have the mistaken impression that having that 20% down somehow balances out a lack of stellar credit history, guarantees a better rate or a bigger loan.

None of this is true. It does improve your ability to qualify for a loan from a regular lender because it makes your loan easier for them to sell on the secondary market. Even with a 20% down payment, youíll have to meet the 43% or less debt-to-income ratio to qualify for a loan. It also, however, means that you do not have to buy private mortgage insurance (PMI), which saves you the monthly outgo toward that premium.

On a side note, PMI is not your homeownerís insurance. It is the coverage you pay for to protect your lender in case you default on your loan.

Buying with Less than 20%

You can buy a home with less than twenty percent down, and in some cases, with zero down. 

Hereís the skinny:

A Conventional 97 loan is one you may not have heard of. It is available through Fannie Mae and is a fixed-rate loan that requires just three percent down. The best part is that the down payment can come entirely from gifts by blood-related or marriage-related donors. A Conventional 97 loan cannot be greater than $484,350 (the number changes annually), requires a better than average credit score and is useful only for a single-unit dwelling. Conventional 97 loans are available to first time and returning homebuyers.

  • The HomeReadyô Mortgage is a specialty option among low- and no-down-payment mortgages. Backed by Fannie Mae, most US lenders offer it. The HomeReadyô mortgage boasts below-market mortgage rates, lower mortgage insurance fees and innovative underwriting practices. In fact, the income of everybody living in the house may qualify for mortgage-approval. That means if your parents live with you, your income and theirs are added together.
  • The Federal Housing Administration, or FHA, insured mortgage requires just 3.5% in down payment. Also, FHA loan guidelines regarding credit scores are more liberal. Borrowers that have a lower FICO score can still qualify for an FHA loan when they have a reasonable explanation for why their score is lower.
  • Active duty and honorably discharged U.S. Military members and surviving spouses are eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans offer a zero down payment options. In areas with a higher cost of living, VA loans are even available above the one million dollar mark.
  • The no-money-down, 100% financing option available to non-military borrowers is offered through the U.S. Department of Agriculture. This Rural Development Guaranteed Housing Loan is also available to buyers in qualifying suburban neighborhoods. For many borrowers, the USDA loan is their lowest cost option.

While not everyone qualifies for a lower or zero down payment loan, if you are interested in home ownership and tentative about investing a big down payment, one of these options may be right for you. Ask your mortgage broker to explain the options to you for the home of your dreams.




Tags: Mortgage   FHA   20%   twenty percent  
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