Henry T. Matos' Blog
There's nothing more satisfying than knowing exactly what you want and taking the necessary steps to get it!
Whether you're searching for the right job, your soul mate, or the home of your dreams, being clear about the results you want can help pave the way for success.
When it comes to house hunting, there are several ways to increase your chances of finding a wonderful home that meets all your criteria. By being organized, focused, and goal oriented, you'd be amazed at what you can accomplish!
Create a priority list: While a certain amount of flexibility is crucial when you're in the market for a new house, there are some things that are essential to your happiness and wellbeing. Those would be considered "must haves" or non-negotiable items.
Unless you already know exactly what you want, a priority list can help you sort out the countless options, features, and expenses you'll be weighing as you explore available listings in your price range. Your priority list can include everything from architectural style and backyard space to number of bathrooms and kitchen layout. There are literally dozens of things to consider, such as the character of the neighborhood, amount of storage space inside and outside the house, and commuting distance. Many house hunters also have a strong preference for features like working fireplaces, screened in porches, and first-floor laundry rooms. If privacy is among your top priorities, you'll want to pay extra close attention to factors like distance between houses, fencing, trees, and hedges.
Choose the right real estate agent: Although most real estate agents are knowledgeable, resourceful, and easy to work with, you don't necessarily want to sign on with the first one you meet. By talking to two or three, you can choose the one who instills the most confidence in you. Ideally, he or she should have ample experience as a buyers' agent and be familiar with the specific neighborhoods in which you're interested. It's also important that you feel comfortable with them and that you can cultivate a smooth working relationship. If you have any misgivings about their accessibility, communication style, or responsiveness, then they might not be the ideal match for your needs.
Although personal recommendations from friends and family is often the best way to find a top-notch real estate agent, online reviews can provide you with helpful insights into an agent's professionalism, personality, and track record. Most agents would also be more than happy to provide you with references of recent and current clients to contact.
While real estate professionals enter the profession for a variety of reasons, most agents genuinely enjoy working with people and get a lot of satisfaction from helping them find the house of their dreams.
19 Kimberly Road, Hampstead, NH 03841
Potatoes go well with almost any main course you serve for dinner, which makes them one of the most common side dish ingredients. If you’re looking for something different to make instead of the usual mashed potatoes or baked potatoes, consider these easy side dish recipes.
Roasted Potatoes with Garlic
The garlic in this recipe adds a tasty kick to regular roasted potatoes that goes well with chicken, steak and many other main courses. To make this side dish recipe, you’ll need the following ingredients:
- 2 lbs potatoes
- 2 tbsp olive oil or canola oil
- 1 tsp sea salt
- 2 tbsp minced garlic
- 3/4 tsp black pepper
- 2 tbsp chopped parsley
Before preparing your ingredients, preheat your oven to 400 degrees and lightly coat a baking sheet with non-stick cooking spray. Cut the potatoes into 1-inch cubes, then place them on the baking sheet in one layer. Drizzle the canola or olive oil over the potatoes, then add the garlic, salt and pepper for seasoning. Roast the potatoes in the oven for 45 to 55 minutes. While they’re roasting, flip the potato pieces around from time to time. Your potatoes should be golden when they’re done. Take the potatoes out of the oven, then add salt and pepper for more seasoning if desired. Add the parsley to the potatoes before serving.
Cheesy Slow Cooker Potatoes
This is the perfect recipe when you don’t want to spend a lot of time cooking. Just put the ingredients in your slow cooker, and you’ll have a delicious side dish ready to serve with your main course. You’ll need to gather these ingredients for this recipe:
- 2 lbs baby potatoes
- 3 cups shredded cheddar cheese
- 2 cloves thinly sliced garlic
- 8 slices of cooked bacon
- 1/4 cup sliced green onions
- 1 tbsp paprika
- Salt and pepper
- Sour cream
Place a layer of foil inside your slow cooker to make it easier to clean up, then spray the foil with non-stick cooking spray. Cut the baby potatoes into quarters, and cook the bacon on the stove. Add half of the garlic and potatoes to the slow cooker, then add 1 1/4 cups of the cheese, 1/3 of the bacon and half of the paprika and green onions. Use salt and pepper for seasoning, then repeat the previous step with the same amounts of the main ingredients. Cover the slow cooker, and cook on a high setting for about 5 to 6 hours. The potatoes should be tender when they’re fully done. Keep in mind that you’ll need to cook longer if you have larger potato pieces. Top the potatoes with the rest of the bacon and cheese about 30 minutes before dinner. Add more green onions if desired for flavor, then drizzle sour cream on the potatoes before you serve them.
22 Centerville Dr, Salem, NH 03079
Missing a mortgage payment is not the end of the world. Many lenders are more than ready to work out a payment plan if you’re going through a rough patch or budgetary crisis. However, you may end up doing more harm than good to your credit and home ownership if you don’t contact your mortgage lender as soon as the financial need arises.
Below are things to remember about a late mortgage payment.
1. Mortgages Come with a Grace Period
Even if you pay one day or five days after the due date, it still might not be considered late since many lenders offer a grace period of about five to fifteen days. If you want to know about your specific grace period, contact your lender for grace period information.
2. A Late Fee Will Appear
If your payment is delayed, then it will most likely incur a late-payment fee. You can expect to pay the late fee in your next mortgage payment. Work with your lender to see if you can avoid a late fee by setting up an automatic payment method or if there are other clauses in your contract to have the fee waived in extreme circumstances.
3. Damage to Credit Score
A damaged credit score is one of the adverse effects of a late mortgage payment. Your payment history is of uttermost importance as it can affect your ability to secure financing of any sort in the future. Your lender usually reports your payment history, and if you are thirty days behind, your credit score may feature “late 30” next to the loan. This mark could drastically hurt your overall FICO® score.
4. Suffer Drastic Measures
When you suffer delinquent payment beyond 90 days, your lender automatically considers you in default on your loan. If left without a written waiver or payment arrangement, they may start to take foreclosure actions against you, which could lead to more public actions and eviction from the home. There are other things that can be done to retain your home, however. Bankruptcy affords the ultimate protection until your debts can be assessed and discharged by the government but should be a last option since it can remain on your credit report for ten years.
5. The Account Goes to Collection
Your account can go into collection if you are behind your mortgage payment. In that case, you will receive a phone call or a letter from your lender about the late fee and that your account is being sent to a collection agency.
Every borrower’s situation is different, depending on credit score and payment history. If possible, avoid falling short of your mortgage payment. The earlier you make the due payment, the better it is for you, but if you’re unable to, set up an arrangement with your lender.
Still have more questions about mortgages and how to successfully nail down the right price for you? Contact me, and I’ll point you in the right direction.