Organizing Your Home: Tips from your SRES®
Increase your home’s appeal for yourself or for buyers on the market with these organizational tips.
Decide what’s working in your home and what’s not. Take stock of items in your home and how they are organized. What spaces work for you, and which ones feel overwhelming or inconvenient? Do you have too many items stored in a space that is too small? Go room by room and evaluate your closets and drawers. Ask yourself, “what do I like about this current organizational set-up? What should change?” Take notes.
Come up with a plan
After evaluating your current system, come up with a new plan. Get rid of items that you no longer need or have space to keep—remember, the fewer things you have, the less time and space you will need to keep them nice. After decluttering, organize your items using bins, shelves, racks, or other systems for separation. Your system will work best if the objects you use most are easy to access without bending or reaching.
Take a “step-by-step” approach
Avoid burnout by breaking up tasks and starting small. For example, you could start with a closet that you can reorganize in a day, or you could sort through old clothes to give to charity. Once you are done, take a break before moving on to the next project.
Ask for help
Some labor-intensive tasks are hard to do alone. When needed, do not be afraid to ask for help. Larger projects likely require the help of family, community members, or hired professionals. Talk with people in your network, including your SRES® professional, for recommendations for qualified professional organizers, cleaners, or movers in your area.
Count on an SRES® to guide you through the process of buying or selling your home, making the transaction less stressful and more successful. The Seniors Real Estate Specialist ® (SRES®) designation is awarded by the SRES® Council, a subsidiary of the National Association of REALTORS® (NAR).
To learn more about SRES® and access various consumer resources, please visit seniorsresource.realtor.
TIPS FOR GETTING RID OF EXCESS “THINGS”
1
Toss duplicate items: if you have more sets of work clothes or measuring cups than you need, consider giving away what is extra.
2
Sort items into four piles: one for things to keep, one for things to donate, one for things to throw away, and one for valuables to appraise and/ or sell.
3
Pass on belongings: if there are items you no longer need, or keepsakes you would like to go to a certain person, gift them personally now.
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7510 N La Cholla Blvd
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www.countryfinancial.com/kiki.rogers
kiki.rogers@countryfinancial.com
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“But he who does the truth comes to the light, that his deeds may be clearly seen, that they have been done in God.” -
“But he who does the truth comes to the light, that his deeds may be clearly seen, that they have been done in God.”
-
John 3:21
John 3:21
Are you on FIRE for the TRUTH ?
Are you on FIRE for the TRUTH ?
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CONTACT US 520-404-3222 PMGStudios.com 12450 N Rancho Vistoso Blvd, Ste. 120, Oro Valley, AZ 85755 OFFICE HOURS 8:00 AM - 4:00 PM, M-F Projects Outside Office Hours Available By Appointment Online Booking Available
Tiffany Denlinger is a Navy veteran with vast experience in all mortgage related products and programs, including Conventional, FHA, USDA and down-payment assistance programs. She has also purchased and sold numerous investment properties herself, and is up to date on all the rules and regulations involved with these types of transactions. Tiffany is very involved in the community, from volunteer work to sponsoring veteran and youth-based non-profit organizations. In addition, she is an avid “foodie” and can provide many recommendations on amazing local restaurants and area activities. Licensed to originate mortgage loans in the following states: AZ, CA, WA Your VA Home Loan Expert here to serve you! TIFFANY DENLINGER, SENIOR LOAN OFFICER, NMLS 1378692 / NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA® HOME LOANS NMLS: 3087 / AZ BK 0902429 / EQUAL HOUSING OPPORTUNITY LICENSED BY THE DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION UNDER THE CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT #4131230. ALSO LICENSED BY THE CA-DFPI UNDER THE CFL #6036566. LOANS MADE OR ARRANGED PURSUANT TO A CALIFORNIA FINANCING LAW LICENSE. / HTTP://NMLSCONSUMERACCESS.ORG/ENTITYDETAILS.ASPX/COMPANY/3087 Cell: 520.990.2904 Office: 520.202.4836 tiffany.denlinger@novahomeloans.com AZFamilyFirst.com Tiffany Denlinger Senior Loan Officer, NMLS 1378692 Benefits of a Reverse Mortgage A reverse mortgage can offer several benefits to eligible individuals, particularly seniors, who are looking to tap into the equity of their homes. Here are some potential benefits —
1. Supplemental Income:
A reverse mortgage provides a way for homeowners to convert a portion of their home equity into cash, which can be used to supplement retirement income or cover expenses.
2. No Monthly Mortgage Payments:
Unlike traditional mortgages, with a reverse mortgage, borrowers typically don’t make monthly mortgage payments. Instead, the loan balance increases over time, and repayment is usually deferred until the borrower moves out of the home or passes away.
3. Stay in Your Home:
Reverse mortgages can help seniors who want to remain in their homes but need additional funds for living expenses, healthcare costs, home repairs, or other needs.
4. Flexible Payment Options:
Borrowers may have the option to receive funds from a reverse mortgage as a lump sum, a line of credit, fixed monthly payments, or a combination of these.
5. No Repayment Obligation Beyond the Home’s Value:
With a federally insured reverse mortgage (Home Equity Conversion Mortgage or HECM), borrowers are typically not responsible for repayment of any loan balance that exceeds the value of the home at the time of repayment. This feature protects borrowers and their heirs from owing more than the home is worth.
6. Non-recourse Loan:
In most cases, if the home is sold to repay the loan, and the sales proceeds are not sufficient to cover the loan balance, neither the borrower nor their heirs are held responsible for the shortfall. The lender’s only recourse is the collateral (the home) itself.
7. Tax-Free Proceeds:
Generally, the proceeds from a reverse mortgage are not considered taxable income, as they are considered a loan rather than income.
8. No Impact on Social Security or Medicare:
Reverse mortgage proceeds do not affect eligibility for Social Security or Medicare benefits. However, needs-based programs like Medicaid might be affected.
9. Retain Ownership:
Borrowers retain ownership of the home, and they (or their heirs) can sell the home at any time. However, they must repay the reverse mortgage loan balance when the home is sold.
10. No Prepayment Penalty:
Borrowers can repay a reverse mortgage at any time without incurring a prepayment penalty.
Other conditions and restrictions may apply. Rates and available loan programs are subject to change without notice. Contact your loan officer for more information.
Contact me today to review your options!
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