If your budget allows for it, hiring a good housekeeper is well worth the money. If you're like most professional couples, you probably already feel "maxed out" after you've put in 40 to 60 hours at your jobs . When you add parenting responsibilities into the mix, there's not too much time and energy left for cleaning the house! While certain basic house cleaning tasks are unavoidable on a daily basis, it's a relief to know that a paid house cleaner will be coming in to do a thorough job soon.
Finding a reliable housekeeper with whom you feel comfortable can be a bit of a challenge, but if you can get referrals from family, friends, and others you know, then your search should put you on the right track.
The Selection Process
Since the main reason you're hiring a cleaning person is to make your life easier, the last thing you want to deal with is dependability problems or substandard work. That's why it's important to get referrals from people you know and trust. It often pays to interview more than one prospective cleaning person because you want to find someone who is the best match for your budget and needs. When you have two or three prospects to choose from, you'll be in a better position to choose the one with the best attitude, top references, and the most agreeable personality.
Unless a cleaning person was referred to you by someone you know well, it's a good idea to request references and contact a couple of them before making any final decisions. Calling at least two of their current customers (or past bosses) should give you some helpful insights into their work habits, punctuality, and willingness to follow directions.
Although most customers will probably try to be complimentary, if you ask the right questions and look for "red flags" in their answers, you'll be surprised at what you can learn. While it may be too blunt to ask if their cleaning person is honest, a lot can be inferred from their responses to other questions. For example, if a housekeeper has been working for the same customer for several years and cleans their house while the costumer is at their office or other place of employment, then there's a good chance the cleaner does excellent (or at least satisfactory) work and can be trusted. One direct question that generally needs to be asked when talking with references is "Would you personally recommend this person?" Asking how their housekeeper responds to special requests, suggestions, or constructive criticism may also provide revealing answers.
When getting a quote from a cleaning person or house cleaning service, it's useful to get an itemized list of what chores or services would be covered in the price. There are two advantages to this. First of all, you'll be able to compare "apples to apples". Secondly, you'll be able to gauge your expectations to what was initially promised and agreed to. While there may be other issues to consider, like possible background checks and insurance coverages they carry, once you've found a house cleaner you like and trust, you've cleared the biggest hurdle in your search!
31 Glen, Burlington, MA 01803
If you've always dreamed of owning a house, there is no need to wait to enter the real estate market. In fact, there are many reasons to kick off a house search today, and these include:
1. You can upgrade from your current residence.
If you live with family members or friends or rent an apartment, buying a home may represent an upgrade. Because when you purchase a residence, you can reap the benefits of having your very own living space.
There is no shortage of high-quality houses available in cities and towns nationwide. Regardless of whether you prefer the comfort of small town living or the hustle and bustle of city life, you can check out a broad range of houses at your convenience. Then, you can discover your dream residence, submit an offer to purchase it and move one step closer to making your homeownership dream come true.
2. Many home financing options are available.
One of the biggest issues that often prevents people from pursuing homes is a lack of financing. Fortunately, banks and credit unions offer a variety of mortgage options designed for individuals of all incomes.
Whether it's a fixed- or adjustable-rate mortgage, you're sure to find a mortgage option that complements your finances perfectly. Plus, banks and credit unions are ready to teach you everything you need to know about different types of mortgages. And if you are unsure about how a mortgage works or which mortgage option to choose, friendly, knowledgeable mortgage specialists are available to assist you.
3. You can receive plenty of support throughout the homebuying journey.
Let's face it – buying a home can be a daunting task, particularly for an individual who is entering the real estate market for the first time. The sheer volume of top-notch houses sometimes makes it tough to differentiate a good home from a great one. Meanwhile, navigating the homebuying process can be stressful, and challenges may arise that make it difficult for a homebuyer to achieve his or her desired results.
If you enter the housing market today, you can hire a real estate agent who can help you streamline the process of going from homebuyer to homeowner. This housing market professional will offer expert insights into all aspects of the homebuying journey. In addition, he or she will go the extra mile to ensure that you can quickly and effortlessly acquire your dream home at a price that matches your budget.
Of course, a real estate agent will help you map out a successful homebuying strategy too. He or she will meet with you, learn about your homebuying goals and help you plan accordingly. And if you have concerns or questions at any point during the property buying journey, a real estate agent can respond to them.
Launch a home search today – you'll be glad you did. If you pursue your dream home with help from a real estate agent, you can seamlessly navigate the property buying journey.
A jumbo mortgage refers to a high-priced loan, usually meant for a luxury property. And while this loan may have once been reserved for the millionaire investors of the world, it may not be as exclusive as you think. If you're interested in what it takes to apply, it helps to understand how they work and who the best candidates are.
A Moving Target
To be considered for a jumbo loan, it must be above a certain minimum. However, this amount will differ based on where you purchase your home. The minimum for a jumbo loan in Beverly Hills will be much higher than the minimum in Kansas City due to the discrepancies between median home prices. These values will rise and fall depending on the local economy and average property appraisals, so buyers will need to do a little research into their city's criteria.
Jumbo mortgages are available in a variety of options, similar to a conventional loan. Unsurprisingly, lenders tend to be a little pickier when it comes to who they approve and who they reject. A single application may go through several underwriters to arrive at the final answer. They're looking for exceptionally high credit scores and equally low debt-to-income ratios.
It's the lender who dictates the exact terms of the loan, though historically, jumbo loans have had higher interest rates. However, it should be noted that this is not a hard-and-fast rule. Interest rates have been known to come down based on the caliber of people who apply. The more qualified applicants, the less overall risk the lender assumes.
In addition, the jumbo mortgage minimum down payment has been relaxed to just 5% to allow a more level playing field (especially for people in high-priced markets). Despite this though, most lenders are still looking for at least 15% on a jumbo loan. Shopping around can make it easier to find a lender with reasonable terms for a jumbo loan.
Structuring the Loan
Adjustable-rate jumbo loans are available, but they are not the ideal choice for homeowners unless they know they'll be selling in the very near future. To avoid paying more interest than necessary, experts recommend a fixed-rate over 15 years.
There may be a lot of fine print to a jumbo loan, but lenders are largely ensuring that the homeowner has enough in stable assets (e.g., property, savings, etc.) to cover their mortgage even if they fall on hard times. Knowing the terms can make it easier to prepare, apply, and be approved for the home of your dreams.