Spring Cleaning Guide

It’s that time of year again to bring out the mop and broom!  Spring cleaning is just around the corner, and we’ve got some great tips to help make your cleaning go smoothly this season.

Prepare for Cleaning

Targeting Areas- It’s impossible to clean the whole house in one day and do a thorough job.  Formulate a plan of action targeting specific areas in your home.  For example, spend time on deep-cleaning the kitchen for a day, rather than attempting to clean the entire upstairs floor of your home.  Set goals for each targeted area and budget time for the best results.

Check for Cleaning Supplies- Nothing is more frustrating than starting a cleaning project only to find out that you’re out of the supplies that you need.  Check to make sure that you have all of the necessary materials and supplies on-hand before you get started.

De-clutter and Organize

The de-cluttering process is often tough to tackle, but should not be overlooked.  De-cluttering is a necessary step to complete before you begin any cleaning.  The easiest way is to start on one side of the room and work your way around.  Drawers and shelves can easily accumulate miscellaneous junk, so consider investing in drawer dividers that organize materials into neat sections.

Use bins or boxes to organize all of your various items.  Use one box for items that you are going to get rid of and one for items that you are planning to keep.  As a general rule of thumb, if you haven’t used it in over a year it’s time to get rid of it.  For those items that you know you’re going to keep consider buying shelves, storage bins, or divided cabinetry.

Chemical Cautions

Open Windows – Before you begin the cleaning process, be sure to open all the windows surrounding the cleaning area.  Poor ventilation can leave toxic chemicals lingering in the room so it is wise to have fresh airflow throughout the house.

Be safe; protect yourself – To protect yourself when using harsh chemicals be sure to always wear designated cleaning gloves as a protective precaution.  Make a clear mark on the gloves so you know that they are for cleaning purposes only.

Cleaning Without Harsh Chemicals – If you’re hesitant about using harsh or toxic chemicals in your home, consider cleaning with vinegar or baking soda.  Vinegar and baking soda are cheap and highly effective cleaners that can be used almost anywhere in the home.  Baking soda is great for neutralizing odors and also dissolves dirt and grease in water.  As a deodorant, baking soda eliminates both acidic and ammonia odors.  Vinegar is a great-all purpose cleaner as it disinfects and deodorizes most surfaces in your home.  Try adding ½ cup vinegar during the rinse cycle of your laundry.  Vinegar serves as a cost-effective alternative to fabric softener.  Don’t worry about the smell! The odor disappears once the vinegar is dry.

Mirabal Montalvo guarantees that all of our real estate professionals will provide our clients with exceptional service, honesty, and commitment. Contact Mirabal Montalvo today for all of your real estate needs including buyer and seller services, and commercial and residential listings.

Buyer’s Tips: Learning the Lingo

First-time home buyers are often unfamiliar with the common terminology that are crucial in the home buying process or even in the housing market. That’s okay, Mirabal Montalvo is here to help.  Familiarize yourself with these frequently used terms; it will be helpful for both you and your real estate agent if you are already knowledgeable with the language beforehand.

Bait Rate: Misleading mortgages with low rate promises and no contingencies generally for those with extraordinary credit. Rates are based on: credit, debt-to-income and loan-to-value ratios, the size and type of loan, property location, and the day you lock your rate, etc. The loan isn’t locked until the application is accepted. By then, it may be too late to find a better rate from another lender.

Basis Point: A term used in the mortgage industry which simply means 1/100th of 1 percent.

Closing Costs: The fees required to process and close your loan. They’re a cash obligation running from three to five percent of the purchase price. Motivated sellers might pay a portion of these costs.

FRM and ARM: A Fixed Rate Mortgage Loan (FRM) is a loan where your interest rate stays the same for the life of the loan. ARMs are Adjustable Rate Mortgages with variable interest rates that fluctuate based on an agreed-upon index.

GFE: The Good Faith Estimate (GFE) is a document explaining all costs involved in getting a loan.

TIL: The Federal Truth-in-Lending Form is a document that spells out the costs and fees of the loan.

Per Diem Interest: Interest you pay per day, from the day you close to the last day of the month.

Underwriting and Underwriting Fees: Underwriting is a process the lender performs to qualify a borrower for a loan and the fee is what you pay the lender at closing to cover evaluating the risk involved with loaning you money.

Warranty Deed: A legal document guaranteeing the seller has a right to sell a property, which is very important if you are considering a distressed or discounted property.

Always trust a professional

Set your standards high when choosing a trustworthy professional.  It is wise to be in regular contact with your agent and understand the entire process of buying your home.  Mirabal Montalvo firmly believes that the client comes first and every step must be taken in order to get their home sold. Contact us today for more information