Curbside Celebrations for Those in Denver

Curbside Celebrations for Those in Denver

While everyone is in lockdown thanks to the current pandemic, it is important to remember that major life events are still going on. And it goes without saying that you should still spend the time to celebrate these events.

Whether it’s a birthday, anniversary, or some other milestone, COVID-19 shouldn’t completely take away your ability to celebrate. It just means that you need to change HOW you celebrate the event.

Here are a few ideas for curbside (or online) celebrations for those of you in Denver:

  1. Let them eat cake — There are lots of different bakeries in Denver that are having to adjust the way they do business. Some of these bakeries are offering curbside pick-up for their cakes while others are doing home deliveries. Regardless of which method you use, these bakeries have unique creations that will pick up any celebration. Some of our favorites include:

 

  • Mermaids Bakery – This local bakery has a lot of creative creations, but our absolute favorite is their cake made to look like the hottest commodity during the pandemic—a roll of toilet paper. This may sound bizarre, but the artistry is incredible and makes for a unique cake. Of course, they also have traditional birthday cakes as well.

 

  • El Antojo Denver – Another unique cake shop offering curbside pickup is Cakes El Antojo. This one has also made some great lockdown themed birthday cakes including one that is made to look like a case of Clorox wipes.

 

  1. Schedule a parade (or have an online party) — Another popular activity that you can do to help celebrate birthdays and special events is a curbside party. Simply have people load into their cars with signs and balloons showing their love for the person being celebrated and then drive by their home at a designated time. These “drive-by” parties may not be for everyone, so another alternative is an online party. You can have party boxes and favors delivered to your guests and invite everyone to check in on Zoom for an online gathering to get you out of the lockdown doldrums.

 

  1. Have a drink — Just because you’re on lockdown doesn’t mean you can’t celebrate with adult libations. For such events, you can get alcoholic beverages delivered to your home or schedule them for curbside pickup and take them back to celebrate. Many breweries in the area are not offering to-go options for their specialty beers. Or, you can get a growler of local beer from Craft Alley and have it delivered to your home so you can celebrate with a cold one.

Just because we are on lockdown doesn’t mean that we have to give up on all of the activities that we enjoy. Birthdays and anniversaries only come around once a year, so it’s important to get creative and keep celebrating.

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.
Top 10 Must-Do’s for Buying Your Next Home

Top 10 Must-Do’s for Buying Your Next Home

Buying a new home is one of the most important (and daunting) processes that many of us will go through. If you are new to homeownership, it can seem even more challenging as you may not know what to do to get the ball rolling on making a purchase.

Here are ten actions you need to complete before you buy your next home:

  1. Determine your budget — When you go to a mortgage lender, they will tell you exactly how much “house” you qualify for. However, just because you qualify, it does not mean you need to jump into a mortgage of that size. Instead, sit down and do a tight budget that shows you exactly how much you can plan on spending each month. Then, use a budget calculator to “reverse engineer” how much you can afford to take on with your loan.

 

  1. Get pre-approved for your loan — Now that you know how much you want to take out in your home loan, go to different lenders, and get pre-approved for the loan. Don’t be afraid to negotiate with these lenders. If one offers a low interest rate, then see if others are willing to get your business by beating that rate. But do this before you start shopping for a house as this will save a lot of time later on.

 

  1. Read your loan paperwork CAREFULLY — One of the problems with the “housing bubble” was that people were buying homes they really couldn’t afford. The terms looked great, but they missed hidden costs such as balloon payments that made them go under. Be sure that you know all of the details of the loan and you agree with all of those terms before you sign anything.

 

  1. Save all of your money — One of the biggest obstacles to buying a home is paying so much money upfront. However, the more money you can put down on the house, the less you will be financing and paying interest on. So, it’s important to use as much of your savings as possible to get the total down.

 

  1. Make a list of must-haves — Once you know what your budget is, talk to a real estate agent about finding a house in your price range. Create a list of items you absolutely must have so that your agent won’t waste your time looking at other options.

 

  1. Do more than one visit — Although the current situation may not allow for large visits such as open houses, you still need to do a walk-through of the home. If you think it’s one that you could be interested in, ask for another walk-through at a different time of day. Traffic patterns or neighborhood noise may be a problem that you didn’t notice on your first trip.

 

  1. Don’t get pressured — If you’re unsure of a property, some real estate agents will push you with the “I’ve had lots of people looking at this property” line. This may be true. But don’t let yourself be pressured into making a decision. This is something you will be living with for years.

 

  1. Negotiate the price — Don’t offer them their exact asking price. Go a little lower and see if there is any wiggle room in the price. All they can do is say no and you can still make a counteroffer.

 

  1. Get an inspection — Before you sign anything, it is imperative that you get a thorough home inspection to check everything from the plumbing and electrical systems to the foundation. If something is wrong here, don’t be afraid to walk away from the deal.

 

  1. Get a good mover — Once you’ve made your purchase, it’s time to move in. Be sure to look for a reputable moving company that is licensed and bonded. Hire them right away so that you can move in when you want without a hassle.

Buying a home is a big step but it doesn’t have to be a scary one. Make sure to follow these steps and you will be able to get the best deal so you can move quickly into the home of your dreams.

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

How to Find the Best Walkable Neighborhood

Many of us are now realizing how sedentary our lifestyles are. Because of the problems of urban sprawl, we literally live miles away from almost everything and have to drive somewhere in order to get the things that we need on a daily basis.

But, what if you could find a neighborhood where you could park the car and forget about it for days at a time as you walk around to do your shopping and dining? That’s the mentality behind the recent move to smaller, more self-contained neighborhoods.

Here are some ways to find the best walkable neighborhoods in your area:

Main Components—First, there are a few main components that you need to look for when it comes to a walkable neighborhood. You want to find a place that has a centralized location that everything else is built around, such as a town square or a main thoroughfare or street. You should also look for a neighborhood with a relatively dense population. Businesses and restaurants will not be able to survive without a lot of traffic, so you will need people who live in the immediate area. Besides businesses, you should also look for other types of active spaces such as parks and public space which will attract people to gather.

Look at the Layout—Another thing that makes a neighborhood more walkable is going to be the geographic layout of the neighborhood. It should, first, be relatively compact. If you are talking about ten to twenty miles of walking, then this isn’t going to be practical. Also, it should be relatively flat. A few hills are fine, but if you have to climb three miles uphill both ways then it gets to be a bit much. The area should also be laid out with walking paths and sidewalks. But it should also have benches and other amenities that will help when you need to take a break from your travels. And, most importantly, these features should be well maintained.

Businesses—The third component is the idea that you can get what you need in the neighborhood. Is there, for instance, a grocery store or specialty food shops like a bakery or butcher shop? You will probably be buying groceries every couple of days instead of stocking up all at once like you are used to. Are there restaurants nearby that you want to frequent? What about other things like clothing boutiques, bookstores, and the like? All of these will help add to the walkability of your neighborhood and if it is going to be a good fit for you.

Ultimately, the best way to find a walkable neighborhood in your area is to simply get out and explore. By doing this, you can take the neighborhood for a “test walk” and see if it might be an area that you could consider relocating to.

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

Where to Start for New Gardeners This Spring

One of the most relaxing and fulfilling hobbies that anyone can take up is the time-honored tradition of gardening. It’s also one of the most therapeutic hobbies you can have as it helps you center yourself physically and mentally.

Every year, I hear friends and family members say that they’re interested in gardening, but they don’t know how to get started. Well, never fear.

Here are handy tips on where to begin this spring with starting your own garden:

  1. Flowers vs. Vegetables — One of the first things you want to do is figure out what type of garden you will have as this will make huge differences early on. If you are looking to create your own food that you can use to cook, then certainly go for the vegetable garden. However, if you just want a garden that is beautiful to look at as well as fragrant, then flowers are your best option.

 

  1. Map Out Your Yard — A garden will need lots of sunlight, usually at least six hours a day. So, over the course of a few days, observe how the sun falls in your yard. Are there spots that are too covered by shade from trees or other houses? If so, then these aren’t good spots for your garden. Pick something that is in direct sunlight for most of the day, if possible.

 

  1. Get the soil ready — Next, you will want to prepare the ground for gardening. The first thing to do is to dig up the sod and replace it with about 2 to 3 inches of compost (old lawn clippings, leaves, and manure). This will let the earthworms do their thing and begin moving those nutrients into the soil to make for a fertile garden. You will also need to work the soil yourself. If you are just starting out, you can do this by digging the 10 inches of dirt or so and mixing in the compost. If you can get your hands on a rototiller, then this process will go a lot quicker and easier.

 

  1. Plant your garden — Now is the time to plant your seeds or small plants. Be sure to check for things that grow well in your climate and with your amount of sunlight. Sunflowers and lettuce are two easy options.

 

  1. Keep them maintained — Now that you’ve done the hard work, it’s time to maintain the garden. Water your plants regularly so that they can thrive. Don’t water them during the hottest part of the day as the sun is liable to “burn off” the water. Early morning or right as the sun is setting is best. Also, go through your garden at regular intervals to weed it and check for insects that may be damaging your plants.

 

Starting a garden is something that is so easy that almost anyone can do it. But it can still be intimidating for first-timers. By taking these simple steps, you can make sure that your garden gets off to a good start.

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

How to Build a Community in Your Neighborhood

For many of us, the idea of a neighborhood means a group of people who are all nice to each other, socializing and looking out for others when they need help. Unfortunately, too many of us have gotten so cut off from the outside world that we barely even know or acknowledge our neighbors.

Too often, we refer to them by descriptors because we haven’t learned their names—phrases like “the young couple down the street with two kids” or “the retired man with the dog that barks all night.” Many of us want that sense of community that comes with being in a close-knit neighborhood, but we don’t know how to do this.

Well, here’s how you can build a community in your neighborhood:

  1. Sit in your front yard — We often try to seclude ourselves by either staying inside or sitting in our fenced-in backyards. This doesn’t allow us to meet our neighbors naturally. One way to fix this is to simply move the chairs around front. When your kids are playing, take a relaxing chair out to the front yard and watch them. Or, when the sun is about to set, grab a chair and a cold beverage and enjoy the twilight. If you do this, others will start to join in and you can begin to communicate more openly with them.

 

  1. Organize a block party — If you plan a block party or cookout, you can get everyone together and socializing so that you can meet all of your neighbors. When you invite them, be sure to go up to each one personally instead of just posting fliers or mailers. This shows you legitimately want to get to know them. But it also allows you a chance to learn their names and talk to them even if they can’t make the party.

 

  1. Create a community library or garden — Activities such as reading and gardening are great ways to bond with others. Put a wooden lending library box in your yard by the curb along with a sign encouraging others to take one and return it when finished. You can also encourage others to add their own books to the bin. Also, talk with your neighbors to see if they would like to help put together a community garden of flowers or vegetables to liven up the area.

 

  1. Create a social media group — Even if you can’t all meet after work or on the weekends, you can still create a sense of community with social media. Start a Facebook group for your neighborhood that can share announcements and neighborhood news. Encourage people with concerns to express these through private messages instead of blasting the entire board. But keep the avenues of communication as open as possible.

There is a big difference between being part of a neighborhood and part of a community. If you hearken back to the days when people were nice to their neighbors and took pride in their community, then these are some ways you can foster these feelings on your block.

 

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

A Spring Cleaning Checklist that Doesn’t Overwhelm

It’s confession time: Every year when it comes to spring cleaning, I go into a bit of brain lock. I see all the items that are stretched out in front of me that need to be done, and I just want to curl up inside the house with a cup of coffee and a Netflix marathon.

Sometimes, that cleaning checklist is just too overwhelming, and I don’t even know where to start. Here’s a solution to that.

This spring cleaning checklist breaks down the essentials so that you don’t run cowering into your house from fear of having too much to do:

  1. Organize Your Supplies — Each room has a different set of supplies based on your needs. (For instance, the bathroom has different needs than your bedroom.) I suggest creating a cleaning tote for each room. Keep all your tub and toilet cleaners in a small box for use in the bathroom and carpet freshener and a duster for the den and bedroom. By getting your supplies organized upfront, you will know what you need to buy before you start. (And trust me, there’s nothing worse than getting into a cleaning groove and finding out you are missing something essential.)

 

  1. Go Room by Room — Too often, we try to do everything all at once. The reality, then, is that we spread ourselves too thin and don’t get most of what we want completed. Instead of doing this, create a separate checklist of things to do for each room. Start with just one room and do everything on the checklist. Don’t move on until it’s all done, even if this takes more than one day. It took you all year to get the house where it is since the last spring cleaning. Don’t try to fix it all in one day.

 

  1. Create Piles — As you are going through your rooms, take everything out of drawers, off shelves, etc. and use this opportunity to clean and dust these areas. As you empty things out, move them into three separate piles. The first will be your “keep” pile. As soon as you are finished sorting and dusting, put these back where you got them—they are the clothes and other items you are keeping. The next pile should be for donations. These are the products in a good state of repair that you can donate to charity (or possibly sell at a yard sale). The last will be your trash pile for anything broken, chipped, torn, or just so outdated or worn that no one would want it. Throw these out immediately. Now is the time to be ruthless. If you haven’t used it in a year, then chances are you don’t need to keep it.

 

  1. Set Up Regular Checklists — Don’t wait until spring rolls around to get your big cleaning done. If you create checklists for each month (or at least each quarter), then you can spread out the work over all twelve months and not just a couple of weekends when you don’t feel like cleaning.

 

By following these easy steps, you can break down your big cleaning jobs into smaller chunks which are always helpful. So, pop in your earbuds, fire up some music or a good audiobook, and get to cleaning.

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

Spring Cleaning: Best Tricks for Deep Cleaning Your Home

Spring is in the air and, even though many of us are ready to dig out of the snows of this winter, that still leaves one dreaded task looming on the horizon—Spring Cleaning!

This is the time when you go beyond that little cursory cleaning you do each week and really get down into the nooks and crannies of your home. But it doesn’t have to be that scary.

Here are handy tips and tricks we’ve compiled that can help you do a really deep cleaning on your home this spring:

  1. Be Meticulous and Merciless — The first thing we suggest is that you be very meticulous and go room-by-room through the house. In each room, create three separate stacks—one to keep, one to donate or sell at a yard sale, and one to toss. Be merciless. If you haven’t seen an item or used it in a year, do you really need to keep it? Toss whatever you don’t need. A decluttered house is much easier to clean.

 

  1. Bathrooms — This is a good place to start with the actual deep cleaning. Spray the surfaces of your tub, toilet, shower, and sink with multi-purpose cleaners that may need to sit awhile to break up the accumulated soap scum. (You can also use diluted white vinegar for an all-natural clean.) Make sure that you scrub these surfaces thoroughly. If you have a glass shower door, you can use a damp dryer sheet to clean it off. If you have a shower curtain, toss it and start fresh with a new curtain and a new look for your room.

 

  1. Kitchen — Now let’s get this one under control. With a spring cleaning, you want to get all of the yearly things taken care of. One of these is cleaning the oven. If you don’t have a self-cleaning oven, put together a mixture of baking soda and vinegar with a couple of drops of dish soap. Let this sit on the tough spots and then scrub it clean. If you have a gas stovetop, you can also coat the stovetop itself with car wax. This way, your regular clean-ups of spills will be much easier. The microwave should also be cleaned, but this one is really easy. Get a cup of water and add a tablespoon of white vinegar. Place this in the microwave and turn it on for five minutes. The steam from this will clean out your microwave so you can just wipe it out.

 

  1. Dusting — Dusting may not be a room unto itself, but it is certainly one of the chores that feels like it. It usually winds up on the top three list of most hated household chores. To help this spring, use these ideas. First, on surfaces that aren’t easily seen, such as the tops of cabinets or tall bookshelves, place a square piece of newspaper down after you dust. This will cover the surface and catch any other accumulations so you just have to change out the sheet of paper every few months and save yourself the dusting for those spots. We also recommend investing in a telescoping arm duster so you don’t have to strain your back.

Finally, when it comes to dusting the ceiling fans, we suggest using a pillowcase. Take the case and put it around the blades of the fan and then simply wipe across. The dust will be trapped inside of the case and you don’t have to worry about raining dust down on your room. And, you can just toss the pillowcase in the washer to clean it off.

Spring cleaning doesn’t have to be the pain that everyone thinks it is. If you follow a few basic tips, you can save yourself some sweat and tears and make this year’s cleaning go smoother.

 

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

Making Your Home More Sustainable

One of the goals of just about any parent is to help make the world a better place for our children. This can be done in a variety of ways. Now, I’m not saying that you can change the world just for your family. But you can make your own corner of that world a bit better than you found it. Part of this is by helping to make your home more sustainable and environmentally conscious.

Here are easy ways you can reduce your carbon footprint by “going green” and making your home more sustainable:

Use Less Energy

One of the first things you can do to be more sustainable will also save you money in the long run. (So, count that as a win-win!) Let’s talk about ways to cut your energy consumption (which in turn will reduce your monthly power bill).

  • Change your regular light bulbs with Compact Fluorescent bulbs. These use less energy and actually last longer, meaning you won’t be adding lots of dead bulbs to the trash heap.
  • When you buy a new appliance, such as a washer or dryer, look for those that are Energy Star Qualified. These can cut energy use between 10 and 50% off a regular appliance. And, in some cases, your purchase may qualify you for a tax credit.
  • Insulate your home to cut down on heating costs and power. This means insulating your attic/basement as well as the walls. Additionally, if you have wooden floors, simply putting down a thick rug can cut down on this as well.
  • Install double-glazed windows with thermal backed curtains. This will help you keep the cold air out in the winter while trapping in the heat. (Conversely, during the summer, it traps the air-conditioned cold air inside while keeping out the heat.)

Use Less Water

Another big area of waste in our homes is water consumption. There are little things you can do around the house to cut down on this, such as:

  • Install low-flow showerheads and low-flush toilets. The showerheads will not only cut down on water usage, but energy use as well since your water heater will not have to work as hard. A typical toilet flush will use six gallons while a low-flush toilet uses less than two.
  • Fix leaky faucets and “running” toilets immediately. This can waste gallons of water each and every day just from a toilet that is not working properly.

Other Tips

There are other areas you can cut back as well. One of the biggest is your use of chemical products to clean your home. Use natural cleansers that do not use these chemicals or you can even make your own cleansers with a few things from the pantry. By doing this, you will not be supporting companies that use chemicals in their products.

Taking care of our environment is everyone’s responsibility. It may not be possible for one person to save the world, but by making some changes to your home, you can do your best to make your corner of the world a little more sustainable.

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

Picking the Right Rug for Your Home

It seems to be a cliché of interior design—the right area rug can actually tie a whole room together and allow you to complete the room in a way you couldn’t before.

In many ways, this is totally true. What is worse is that the wrong type of rug can have the opposite effect and totally destroy any sense of unity or flow. This is why it is so important to take your time and find the area rug that is right for you.

You need to look at four areas when you’re picking out the right rug:

  1. First, you want to find the right size for your area rug. Too many people try to buy area rugs that take up most, if not all, of the room. This isn’t the right idea. It’s not for carpeting after all; it’s an accent and cover for the carpet. Instead, measure out the seating area for the room. In a living room or den, it may not be convenient to place all of the furniture completely on the rug. But the coffee table should be able to fit squarely in the center and the surrounding couches and chairs should have their front legs resting on the rug.

 

  1. Next, think about the shape that will best compliment your environment. If your room or the sitting area is square, then you can choose a square rug. But also consider a round one that can offset the room perfectly. If the sitting area is more rectangular, then choose a rectangular rug. (A square or circular one here will look off-kilter.) If you get a rectangular rug, make sure that you place it in the same direction as the flow of the room.

 

  1. Once you have the right size and shape, you will want to look at the texture of your rug. If you have a consistent texture style for all of your furniture, you may wish to pick something complimentary as your rug texture. If you have leather furniture, for example, it will look great with a fluffy area rug that it can kind of sink into. However, keep in mind that such a rug might be a tripping hazard for the elderly and little kids. Pick the texture that is right for you and don’t feel like you have to go with the basic wool that you see with most rugs.

 

  1. Finally, let’s talk color. If your furniture and décor are neutral or earth tones, you may want a rug that provides a pop of color. By contrast, bright furniture works well with neutral colored rugs. You don’t want a rug that just blends in with the carpeting and furniture. Instead, you want something that stands out distinctly.

Today, area rugs can actually be a big investment of money. They may not cost as much as full carpeting, but they aren’t cheap. Because of this, you should look to buy a rug that truly fits your room and your style so that you can create the area that you love.

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.

Household Projects Perfect for January

As a homeowner, each season brings its own list of home maintenance tasks that need to be completed, and January is no exception. Even though it’s dark and cold (and often snowy) outside, that doesn’t mean you are off the hook when it comes to keeping up with your home.

Here are some suggestions for tasks you could complete this month to keep your home in top shape:

Check Your Batteries

Go through your home and check the batteries and test all the smoke and carbon monoxide detectors to make sure they are in optimal condition and that you can depend on them in an emergency.

Clean the Coat Closet

Whether you have a mudroom or a simple closet, take some time to organize the space. Get rid of anything that no longer fits, doesn’t have a match, or is in poor condition. Make sure your weather gear is easily accessible and you have what you need to brave the winter weather.

Tackle that Junk Drawer

We all have one. The drawer where all the miscellaneous knick knacks and gadgets go can easily get out of hand if it’s not organized regularly.

Make Things Cozy

Pull out those fuzzy blankets, candles, and teapots! Go around your home and figure out how to make each room cozy and comfortable since you’ll be spending more time indoors this time of year.

Protection from Water

If you want to protect your home from potential water damage, make sure you know where your water shut off valve is (just in case). Are those gutters clean? They are designed to send any possible water or snow runoff into an appropriate spot which could be problematic if they overflow into other areas.

This should give you plenty of projects to tackle this month to stay on top of the place you call home.

**********

Whether you’re buying, selling, refinancing, or building your dream home, I’m here to help you explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Find out more by visiting my website.