Have You Made Any of These 5 Credit Mistakes As a Homebuyer?

You’ve been renting for a while now and it feels like the timing is right to make the leap to homeownership. After all, your friends are all buying houses and your job feels pretty stable, how many more hints that it’s time to settle down could you really need?

Well, if you’ve given it considerable thought, are certain you can cover emergency costs like unexpected roof replacement or furnace repair and you have a realistic expectation of what you can afford, then full speed ahead. Buying a house is a trying experience, only made significantly worse by credit mistakes.

Top Credit Mistakes to Avoid When Buying a Home

Everybody makes mistakes, especially when it comes to their credit. The process by which your credit score is generated has long been veiled in shadows, making it doubly easy to misstep without even knowing it. However, there are certain mistakes that homebuyers make again and again, including these items that are obviously impactful to your credit score:

1. Not knowing what’s in your credit file to begin with. The last thing you need is a bit of a surprise when you go to apply for a mortgage. If you have collections that you’re unaware of, judgements that were never served to you or just plain bad information in your file, these items have to be handle now. It can take a while to completely erase the effects of any negative information in your credit file, so you need to get started right away.

Go to annualcreditreport.com for your once a year free credit report, download that thing and print it out. Check it line by line for accuracy and contact any collection agents that may be listed so you can work out a payment plan on that cable bill you left behind in your college apartment and totally forget to pay.

2. Applying for mortgages over a long period of time. Sure, it makes sense to pull your credit file six months to a year ahead of when you plan to purchase, since there might be surprises that will require time to fix. If you pull your scores yourself, it’s not as big of a hit to you as it would be it you had a lender checking your scores, say, monthly. When you are definitely ready to buy, do all your mortgage shopping within a 14 to 45 day window (depending on the scoring model and version). Ask your lender how long credit inquiries for mortgages will remain grouped, only being counted as a single credit pull. Otherwise, so many hard pulls will ensure that you don’t move forward to purchase.

3. Opening new lines of credit in anticipation of closing. Did you give any thought to skipping the line and buying a new couch today, rather than after your closing? How about doing that while maxing out a brand new credit line? This is a huge and terrifyingly common mistake that people make. It makes sense, it really does, you just want to be ready to get your move over with quickly once you get the keys.

The problem with a new inquiry is sort of a double whammy. First, it’s a hard pull on your credit, which will reduce your score slightly. Secondly, if you use that credit line, your debt to income will increase. In fact, depending on how much of that credit line you use, your utilization rate may also increase.

TL;DR: don’t take out new credit. Your credit score, debt to income ratio and possibly your credit utilization will take a big hit and your loan may be cancelled at the last minute when underwriting is re-verifying your application.

4. Maxing out existing credit lines. Moving is really expensive, even if you’re just moving across town. The moving truck alone can cost hundreds of dollars, and that’s if you do the job yourself. There’s nothing wrong with renting a truck, hiring a mover or even hiring a whole lot of movers, just do it after closing. If anything changes to the negative about your credit score, credit utilization and your debt to income ratio, as stated above, your loan can be cancelled. This is not a drill.

5. Failing to forward your bills. After closing, you could still make a few credit mistakes problems related to your move. Did you remember to pay the last utility bill at your old place? How about the broadband? It may seem like an obvious error to avoid, but when you’re in that moving stress haze, sometimes it’s all you can do to grab a pot of coffee and get moving again. Your credit is pretty good right now, don’t forget to pay those final bills.

Buying a house with a mortgage can feel like an exercise in paperwork collection, but the truth is that all of it is necessary for you to get the very best price from your lender. After all, what they’re really doing is trying to ensure your success with their loan. When you succeed, they succeed.

BACK ON THE MARKET – NEW PRICE $495,000!

Meticulously kept resale in Tehaleh! This stunning 4 bedroom, 2.75 bathroom located on the green belt will wow you! Enormous kitchen featuring double ovens, over-sized island, pantry and loads of counter and cabinet space! Rich wood flooring graces the main floor except for main floor den (currently used as a guest room). Huge loft provides extra wiggle room. Large covered patio with gas fireplace is the perfect place to enjoy the natural forest in your fenced back yard. House is located on a quiet dead end street close to trails, parks & more!  

Call Liz Johnson for your private showing (253) 670-0357.

http://13517193rdavenueeast.ihousenet.com/mlsmax/home.htm

The Latest Tehaleh Updates

Our Schools need your box tops!

Now through Feb 1st….it’s all about gathering those box tops! Scour your pantries, snip them out, and send them to
school in those go-home folders so that your student’s teacher can add them to their collection and win the contest!

Tehaleh Heights & Donald Eismann Elementary Schools

****************************************************************

Blood Drive

THIS Saturday, January 26, 2019

8:30am – 12:30pm

Donald Eismann Parking Lot
Please Donate Blood
YOU CAN HELP SAVE 3 LIVES JUST BY GIVING BLOOD

To make donating as convenient as possible, we’re bringing the bloodmobile to Tehaleh –
Please sign up for the time that is convenient for you.

 NOW! With online sign ups to make it easier for you to give blood!

Contact CRBS at 1-877-24-BLOOD or http://www.crbs.net to sign up

****************************************************************

There’s LOTS Happening at Trilogy at Tehaleh!

Live Well Wellness Fair January 26th 1-4pm

Wellness is a way of life at Trilogy®. It’s all about finding balance in our lives so that we can feel strong, energized, and connected. Join us at the Seven Summits Lodge on Saturday, January 26th from 1:00pm to 4:00pm for the Live Well Wellness Fair, to explore all the areas of our community that support a healthy, balanced lifestyle. We’ll have a healthy cooking demonstration with The Mantel’s Chef Dino, fun giveaways, deliciously nutritious snacks, and more. Connect with local wellness experts and spend the afternoon nourishing body, mind, and spirit alongside your future Trilogy neighbors.

Bring your friends and family along and discover the many ways that the Trilogy lifestyle makes it easy and fun to make wellness a top priority.

***

Resort Collection Models Hard Hat Tours Every Weekend!
Be among the first to get a sneak peek of Trilogy at Tehaleh’s new Resort Collection Models before the grand opening in March! This is your opportunity to walk through the homes and check out the progress.  Hard Hat Tours will be led by our community representatives every Saturday and Sunday from 9:00am-5:00pm. Be sure to wear close-toed shoes.  Trilogy will provide the hard hats! 
And don’t forget – time is running out to take advantage of pre-grand opening pricing starting at $344,900*!

****************************************************************

Save The Date!

Chinese New Year – 2019 is The Year of The Pig

We’re celebrating at The Post with complimentary Fortune Cookies &
Caffé D’Arte is offering Free Organic Oolong Tea and Chinese New Year Fortune Teller Games for our customers

Wednesday, February 6 *while supplies last
****************************************************************

SAVE THE DATE

Do Me A Favor Cookies Pop Up Shop

Sunday, February 10th At The Post

10:00am – 2:00pm

Do Me A Favor Cookie Platters and Favors is delighted to have the opportunity to set up our cookie pop up shop on
Sunday February 10th from 10-2 at The Post

Our pop ups and holiday special ordering is such a fun experience! We offer individual cookie favors with no minimum order and also bring exclusive special gifts that are not available for pre orders! It sure is a treat to bring these special cookie collections to Tehaleh. Every cookie is made right here in our cottage food licensed home kitchen in Tehaleh and made with freshness and fabulousness in mind! We adhere to the state department of agriculture guidelines for food handling and sanitizing and strive to make the best cookies for the best community around!
Come see us at The Post at Tehaleh,
we’d love to do you a favor and make your day sweet!

Pre-Orders are available at
www.facebook.com/domeafavorcookieplattersandfavors

Cookie pre orders begin February 1st and go until the 8th or while supplies last
Pricing starts at $3; we can accept cash or card

****************************************************************

2019 Rides of Tehaleh Car Show

We’re making plans for this year’s car show and if you have a car & you want to participate, we want your input for a preferred date. Cast your vote….when do you think would be the best month to hold the 2019 Rides of Tehaleh Car Show?

This has been posting this on both Tehaleh resident Facebook pages, as well as the Rides of Tehaleh Club Facebook group & you can vote on any of those pages.
If you have a car you want to show and you’re not on facebook and want to vote for your preferred date please contact
Tina at tina.maier@managementtrust.com

This will stay active until 1/31, with the official date announced on 2/1,
so get your vote in NOW!

Months to be considered:

-June 2019

-July 2019

-August 2019

-October 2019

****************************************************************

Hero Day

In a tribute to all active or retired military, police, firefighters, nurses and paramedics, the Tacoma Home + Garden Show is offering FREE admission to all heroes on Friday, January 25th! Please bring your valid ID to the box office to claim your free admission ticket. *Please note this does not include a ticket for friends or family members.

Teacher Day

In honor of those who make a difference in our community, the Tacoma Home + Garden Show is offering FREE admission to all teachers on Sunday, January 27th! Please bring your valid ID to the box office to claim your free admission ticket. *Please note this does not include a ticket for friends or family members.

****************************************************************

Enumclaw Wine & Chocolate Festival
February 1 & 2, 2019

The Enumclaw Wine and Chocolate Festival will be Feb. 1-2 and more than 20 wineries are expected to return to the
Enumclaw Expo Center for the 11th annual event. This event averages more than 2,000 attendees who sample from 25 wineries,
a dozen chocolatiers and many gift and specialty vendors.

Full details can be found here:
https://enumclawexpo.com/expo-event/wine-and-chocolate-festival

What is Mortgage Insurance?

If you currently have a mortgage or are looking at taking one out, you’ve probably come across a concept so notorious, so vile, that it can cause blood-curdling screams and fainting in the boldest of people.

You know the one.

“Mortgage insurance.”

Before you throw your phone across the room, take a minute to read to the bottom of this blog. Mortgage insurance doesn’t deserve the horrible reputation it has earned over the years — in fact, it can help you a whole lot.

What is Mortgage Insurance?

There’s a lot of confusion over mortgage insurance, what it is and what it isn’t.

Some people think that mortgage insurance is the same as homeowners insurance. Sadly, the two aren’t twinsies. Homeowners is yet another monthly expense you need to count on when buying a house.

Others think that mortgage insurance is some nebulous thing that bankers are billing you for just to get your money for no reason. This is also missing a few facts.

Let’s take a step back.

In the days before mortgage insurance, practically no one could get a mortgage with less than a 20 percent downpayment. That meant, at best, years of saving up or in many cases, simply never getting a chance at homeownership at all.

Over time, banks agreed that if there were some sort of insurance policy protecting their interest in the mortgages they wrote, they might be willing to take a smaller down payment, thus opening up homeownership to a lot more people.

And that’s exactly what it does today. It protects banks and enables more people to buy homes. If it weren’t for some form of mortgage insurance, there’d be no chance a bank would agree to a mortgage for someone with as little as 3.5 percent down.

This is the primary benefit for homeowners. Obviously the main benefit for banks is that they don’t get hit nearly as hard in case of a foreclosure, since the insurance will pay a percentage of the mortgage value directly to the lender.

Types of Mortgage Insurance

There are several entities that offer mortgage insurance (though you generally don’t get to choose), including MGIC, National MI, the Federal Housing Administration and the Department of Veterans Affairs. These private companies and government departments have procedures in place to help determine how risky you are as a borrower and then assign a price to your mortgage insurance costs. There are three main types of MI to be aware of:

Private Mortgage Insurance. When you get a conventional loan with less than a 20 percent downpayment, you’ll also be paying for a private mortgage insurance policy. Generally the price of these policies is based on a combination of your credit score and the terms of your mortgage. MGIC has a handy matrix here that can help you figure out what you’ll be paying. Some lenders may offer you an option to pay part of the policy upfront and the balance monthly, or they may offer to pay it for you in exchange for a higher interest rate.

Mortgage Insurance Premium. Mortgage Insurance Premium (yes, it’s really called that) is the insurance program that all homes purchased or refinanced using an FHA loan with less than 80 percent loan to value require to secure the note. While having MIP means you’ll be able to take advantage of FHA mortgage benefits like lower qualifying scores and those 3.5 percent downpayments, you do so with one big disadvantage.

Unless you bring a downpayment of at least 10 percent to the closing table, your mortgage insurance will stick around as long as the loan does. That means if you pay your mortgage off in 25 or 30 years, you’ll still be making MIP payments, too, even though you long ago built a pad of more than 20 percent equity in your home (more on this later). Oh, and MIP is a split premium, meaning you’ll pay an upfront fee plus a monthly fee.

VA Funding Fees. Although you don’t pay it monthly and it’s not called “mortgage insurance,” the VA funding fee functions in the same way as other mortgage insurance programs. It protects the lender, allowing them to make more loans to more military vets. The funding fee itself is highly variable based on a whole matrix of qualifiers, but at least it’s a one-time fee that you can wrap into your mortgage.

Saying Goodbye to Mortgage Insurance

When you get a conventional loan, you don’t have a lot to worry about when it comes to mortgage insurance. Just make all your payments on time and occasionally check your bills to see just how much equity you’ve managed to earn. Once your home has at least 22 percent of its value paid down (based on the appraisal made when the loan in question was acquired, or a fresh appraisal that you’ve paid for on speculation), making your loan to value 78 percent, mortgage insurance should drop right off. This is the most common situation homeowners with conventional loans find themselves in.

However, conventional mortgage insurance may also be cancelled once you’ve reached an 80 percent loan to value if you ask for it specifically and have a good payment history with no late pays in the last year. If you’re still paying mortgage insurance by the time you’ve reached the midway point of your loan, you can request the MI be dropped — this might happen if you’ve had a mortgage with a very high interest rate, for example.

When it comes to FHA loans, unless yours was made prior to June 3, 2013 or you had a 10 percent downpayment (as mentioned above), you can’t get rid of your MIP and keep your mortgage. This is a distressing thought for a lot of borrowers, but many end up selling before it really becomes an issue. Those that don’t still have the option of refinancing, with some notes eligible for the low-pain FHA streamline programs.

Ready to Find the Mortgage That’s Perfect for Your Purchase or Refinance?

Whether you’re trying to get rid of your mortgage insurance payment or you want to buy your first home, it’s time to check in with your HomeKeepr family. Through high quality professional referrals from people like your own real estate agent, you’ll meet the best mortgage lenders and brokers in your area. Why wait? Check in to the community to get started.

5 Thing to Consider Before Listing Your Home as a Short Term Rental

As the march into winter gets underway, a lot of people are already starting to plan their spring and summer vacations. Oh, they’ll go somewhere sunny, or to a fantastic resort or maybe, if you’re lucky, your house.

They might as well, you’re going to be going on that fantastic cruise after all. Besides, you’ve heard such good things about being an AirBnB host. Your guests will end up paying for most of your trip, it’s totally win-win.

Isn’t it?

Short Term Rentals and You: The Tip of the Iceberg

Using your personal home, in whole or in part, as a short-term rental can certainly help pay the bills, but the truth is that short-term rentals also have huge issues you have to consider. It’s not as easy as listing on AirBnB and hoping for the best. You’ll need to do considerable legwork before getting started, otherwise you may find yourself in a lot of trouble and with expensive problems that eat all your profit.

Still, it can be a solution for some homeowners. Before you list, make sure you’ve considered these five things that might complicate your situation:

Does your mortgage allow you to rent the property without penalty? Many loan programs that help people buy with a low downpayments have restrictions on renting the building. If the short-term rental you’re offering was purchased with you as an owner-occupant, there is likely language in your agreement that spells out what constitutes a breach by turning your house into an “investment property.” Generally, if you rent your property for more than 14 days in a year, you risk having to face the music.

Despite what many websites may say about a lack of punishment for using your home as a rental when it goes against your mortgage agreement, breaching this agreement is serious business. Your mortgage likely has an acceleration clause that explains under what conditions your loan will essentially be revoked, with the entire balance due immediately. If you can’t cough up those hundreds of thousands of dollars, your bank will foreclose.

Find this paperwork, then scour it (and have a friend or three take a look, too) before you move any further. You should have gotten a copy at closing, check the packet the closing company sent you home with.

Do you have the right Insurance coverage? Even if your mortgage lender is ok with your using your place as a vacation rental, you’re still going to need the blessing of your insurance company. Although places like AirBnB claim to offer insurance, the word on the street is that it’s very hard to convince to pay out on claims.

Don’t risk it, talk to your agent about the best way to cover your home and property. You may want to add a comprehensive insurance policy that will cover pretty much anything, including slips and falls, or your agent may advise you simply increase your current coverage.

What do your neighbors think? The number of articles that have been written about neighbors pushed beyond the brink by AirBnB and other short-term rental guests is staggering. Even if your homeowners association and zoning allows for short-term rentals (check with your HOA and planning and zoning), if your neighbors are becoming perturbed because your guests are real jerks, you may have bigger problems on your hands.

Check your zoning, then talk to your neighbors about your goals with the short-term rental, including the timeframe in which you intend to have guests and for how long they’re likely to stay. Starting a conversation with your neighbors about your vacation rental plans before things turn into a dumpster fire can make having an AirBnB-listed property less of a dramatic situation.

It’s also important to check with your municipality about how long a guest can stay before they become a bonafide renter. In many areas, a “guest” automatically turns into a renter if they occupy the property for 30 consecutive days. You’re then assumed to have a month-to-month rental agreement, which means that you will have to actually evict them if they refuse to go quietly.

Can you refinance your property? This is a tricky question, especially with rates on the rise. Still, you may need to refinance at some point, even if it’s not today. The bad news is that many lenders won’t count the AirBnB income you’ve generated when calculating your debt to income ratios.

Luckily, there are a few banks that are capable of dealing with AirBnB income properties. Even if your lender is open to a refinance, you may be forced into a commercial loan because you rent your property out too often, effectively making it an investment property in the eyes of the bank. If you purchased using a loan eligible for a streamline refinance, you may not have to explain the AirBnB stuff at all.

Do you really want a rental? There are so many people out there that believe owning investment property is key to a better retirement, increased wealth and easy peasy income.

Owning rentals, especially short-term rentals, is a lot of hard work. From stocking consumables like soap and toilet paper to keeping things in good repair, doing background checks on applicants and keeping your taxes straight, it’s not a low-stress investment. This is why so many property owners rely on property managers to handle the day-to-day stuff.

At the end of the day, even if your PM is doing everything right, you’ll have a decent work load of your own. If you’re not all in on owning a rental, don’t do it.

AirBnB Team, Assemble!

Getting all your AirBnB ducks in a row should also include finding home pros to help in case there’s an emergency. Don’t stress, you can assemble your whole team, from a commercial insurance agent to plumbers and property management, in just a few clicks. Log into your HomeKeepr community to find the very best, most recommended experts in your area. They’ll help you ensure that your short-term vacation rental experience goes smoothly.

Our Newest Tehaleh Listings!

If you have been waiting for the perfect move in ready  home in Tehaleh we have several that are just gorgeous and NEW on the market.

MLS #1390727
 4 Bedroom / 2.25 Bathroom / 2,310 sqft / 4,500 sqft lot

This light filled home with a modern touch features an enormous kitchen with quartz counter tops, gas range & overlooks the great room w/ gas fireplace & back yard.

Also on the main level is an office / den. Upstairs you’ll find the huge master suite with walk in closet, laundry room with sink & cabinets and 3 more bedrooms. Back yard is fully fenced and features a patio to enjoy nice days.

For More info on this home please visit:   http://18451138thste.ihousenet.com/mlsmax/home.html

MLS # 1394681
 4 Bedroom / 3.5 Bathroom / 3,128 sqft / 5,265 sqft lot

This exquisite home features a mini-master suite on the main, fully appointed kitchen with double ovens, gas range and undercabinet lighting.

Master suite is a dream come true with a closet that is big enough to be a bedroom, fireplace and 5 piece bath. Upstairs you’ll also find a huge media room, balcony to enjoy the views and 2 more beds. A/C, Surround sound & Hunter Douglas Duet shades throughout entire home. Level back yard with covered patio and gas fireplace.

For More info on this home please visit: http://13610193rdavenueeast.ihousenet.com/mlsmax/home.htm


MLS # 1386209
 4 Bedroom / 2.75 Bathroom / 2,896 sqft / 7,380 sqft lot

Meticulously kept resale in Tehaleh! This stunning 4 bedroom, 2.75 bathroom home on green belt will wow you! Enormous kitchen features double ovens, oversized island, pantry and loads of counter & cabinet space!

Rich wood floors grace the main floor except for main floor den (currently used as a guest bed). Huge loft provides extra wiggle room. Large covered patio with gas fireplace is the perfect spot to enjoy the natural forest in your fenced back yard. Quiet dead end street close to trails, parks and more!

For More info on this home please visit: http://13517193rdavenueeast.ihousenet.com/mlsmax/home.htm

7 Things to Consider When Choosing New Windows

The first few years of owning your home mean discovering lots of things about it. Every house is different and some almost seem like they have a personality of their own — which isn’t too surprising since they have literally thousands of individual parts that can combine their own quirks in nearly endless ways. Although plenty of these combos create something beautiful, it’s never a guarantee.

Take your windows, for example. As your home shifts and ages, your windows can end up being a huge source of drafts and thermal loss. Sure, you can weatherstrip them and recapture some of that warmth, but ultimately, window technology will leave you behind if you put off replacing those windows for too long.

Windows: Here’s What You Need to Know

Shopping for windows is kind of like shopping for a car. It’s a big investment, you may not know a whole lot about what you’re buying, but you absolutely know that you need to replace your old one(s). You don’t have to go it alone, though. You can take this list of seven things to consider and consult it before pulling out your Visa or Mastercard.

  1. Window configuration and features. Not only do windows come in a huge variety of shapes and sizes, they also come with lots of different features. Simply matching the new windows to those of your existing ones is generally a good bet, but features that newer windows offer, like double hung windows with tilt-in glass sections, can give you added functionality inside the original framework.
  2. Frame materials. Depending on your window budget, you may have a pretty wide selection of materials to choose between. Vinyl and composite windows tend to be popular choices since they neither sweat nor require a lot of maintenance throughout their lifetimes, but other materials like aluminum and wood are commonly used in frames, too.
  3. U-Factor: The U-Factor tells you just how well the window insulates by reducing the rate of heat transfer. You’ll find windows with U-Factors from about 0.25 to 1.25 Btu/h-ft²-°F.. Choose the lowest value that fits reasonably into your budget because the lower the value, the better it’ll insulate.
  4. Solar Heat Gain Coefficient (SHGC): Like the U-Factor, the SHGC is a measurement of how well a window insulates. But this time, we’re talking about how hot the sun makes the window and then how much of that transfers into your home. SHGC, in short, is how well the window blocks incoming heat. Interestingly enough, both ends of this figure can be of use to different kinds of homeowners. If you own a house that uses passive solar heat, you’re going to want to take advantage of this property and go for the highest number you can find (on a scale of 0 to 1). Homeowners with more traditional setups will want the lowest number their money will buy.
  5. Air Leakage (AL). Those drafty drafts are often caused by a property known as air leakage. Windows are tested for just how much air passes through the joints while in the factory. The less air leakage, the better, obviously. Industry standards require an AL at or below 0.3 cf-m/ft².
  6. Visible Transmittance (VT). Because windows are full of neat and precise measures these days, it’s possible to have a window that blocks outside heat without blocking all that precious light. The visible transmittance is the figure that tells you just how bright your room will be after this window goes in. A higher number (on a 0 to 1 scale) means more light.
  7. Condensation Resistance. Although it’s a much smaller concern than the four performance ratings above, condensation resistance should be taken into consideration before you pony up the window dough. Measured on a scale of 0 to 100, the highest figures resist condensation better than those lower down.

What Do Windows Cost?

Of all the possible non-answers to this question there could be, this might be the worst. Windows cost varies widely by size, material, insulating factor and number needed for your home. As aggravating an answer as that may be, a quick flip through your favorite home improvement store catalog will back it up.

A joint report from the National Association of Realtors and the National Association of the Remodeling Industry estimates that replacing old windows with new vinyl windows will run a homeowner around $18,975 or about $35,000 for wood windows.

Since this report is more about return on investment, though, the additional data provided indicates that your money is well-spent: 79 percent of the cost is recovered at the sale for vinyl windows and 57 percent of the cost of wooden windows comes back to your pocket.

Need Help Choosing and Installing Those New Windows?

Don’t worry, your HomeKeepr family has it covered. Just log in and check out the window installers that your Real Estate Pro has recommended for you! You know you can trust them because your Real Estate Pro has already built a solid relationship on your behalf. They’ll even help you pick your new windows if you can’t decide which to buy.

7 Tips to Make Your Relocation Easier

You just found out that you’re being relocated by your job, or maybe you were offered a job that was too good to be true in another state. Either way, you’ve got a big move ahead of you and there’s a lot to think about before you even start. Moving far away from home can ultimately be a hugely positive experience, even if it is a bit of a hectic process.

You can do this, though. Roll up your sleeves, grab a box and get to it.

There’s Plenty to Consider When Relocating

Your big move is a big deal, don’t think it’s not. You’re going to need all the help you can get, so before you do anything else, contact a Realtor with a relocation specialty in the city where you’ll be landing. You’re going to need someone who knows the lay of the land and can help you find the kind of home you really need, as well as helping you arrange financing and ensuring that everything closes on schedule.

Of course, housing is only a small part of a bigger relocation picture. It’s a stressful time for man and beast alike, but these seven tips will help you survive the experience:

#1. Have plenty of money available. Of course, you know you’ll have to pay something for housing and put down a deposit to turn on the utilities at your new place, but there are often additional expenses that you might not be thinking about right now. For example, will you need help with childcare while you’re packing? Is it likely that you’ll need to stop on the trip to spend the night in a hotel?

Plan for your expenses, then add as much as you can to the pool. The more money you have to work with, the less you can stress if an emergency were to occur.

On this same note, be sure to ask your employer how any moving or signing bonuses will be handled. If you’re counting on that money to make the move possible, you could be in a sad state if your company waits until after you’ve started the job to pay this bonus out.

#2. Get everybody on the same page. Moving to a new place can give the average person plenty of room to let their imagination run wild. It’s important that you and your family get on the same page with respect to the details of your move and stay focused on it.

Have a family meeting, or a chat over dinner, and write down what everybody hopes to get out of the move. Then have a sober discussion about how many of those things are realistic.

Once all of that is knocked out, draw up a plan and give everyone a copy of it so there are no misunderstandings. This can be a time when emotions run high and exhaustion makes people do or say things they might not otherwise, having a neutral document to refer back to during arguments can help cooler heads prevail.

#3. Prepare kids for stressors. Even the most hardy of children is likely to have some kind of serious emotional reaction to moving from your current home. When they’re old enough to understand that you’re also moving far, far from their hometown it can get downright ugly.

Your child is going to understandably need to mourn the loss of their friends and nearby family members. But you can make moving easier for children of every age by trying to maintain some kind of routine during the run-up to moving day and maintain it as best you can until everyone is settled in.

#4. Give yourself twice as much time as you think it’ll take for pre-moving tasks. If you’re not planning on hiring a mover, or even if you’re doing your own packing to help the cost of the move, it’s important that you give yourself plenty of time. Decluttering, especially, can be difficult when you’re trying to figure out just what will fit on the moving truck. Depending on how quickly you have to get to your new job, you can get help from charities with thrift stores by asking them to pick up your used, but clean, furniture, excess dishes and pans and even fun bric-a-brac to save you trips back and forth. Plan your time and stick to the plan.

#5. Visit your family doctor one more time. Having a final visit with your doctor gives you an opportunity to discuss anything that has been problematic for you, as well as getting your medicine refilled so you’ll not run out before you find a new PCP. This is a great time to ask about getting copies of your records, too! Make sure to do the same for your children and pets.

#6. Stop by the shop. While you’re getting your own check up, don’t forget about the vehicle or vehicles that you’re taking with you. Drop in at your local mechanic, the one you use for everything and trust to do the job right, and have them inspect and repair anything that looks like it needs to be addressed. Ask if you need new tires, spark plugs or a tune-up. There’s nothing as stressful as getting into a car that’s fully packed and full of kids or pets only to discover that your car has a bunch of symbols on the dash lit up that were never lit up before.

#7. Keep your eye on the prize. Preparing for a move when you have to do it all in one go can be amazingly stressful on body and soul, which is why it’s ultra important that you remember the why of all of it. You’re moving for a better opportunity, good schools, a chance to use your degree for once — whatever your reason, it’s yours and it’ll help if you keep that front and center.

Need Help Packing, Unpacking or Transporting Your Treasures?

Just log in to the HomeKeepr community, where you’ll find all kinds of home pros, from movers to Realtors with relocation specialties. No more digging around the web for reviews on individual companies, HomeKeepr runs on recommendations — and if your future mover is highly recommended by your current Realtor, that’s one less thing to worry about.

Exciting News!

We thought this was such a great idea, the Point Defiance Zoo is always doing such great things with our community!

Have any old or burned-out holiday lights? Point Defiance Zoo take them Nov. 23 – Jan. 12! They are teaming up with Girl Scouts of Western Washington again this year to keep thousands of strings of lights out of the landfill. Learn how to get your lights recycle-ready at www.pdza.org/zoolights. ♻️ #AmericaRecyclesDay

 

In other SUPER exciting news….

Celebrating our 100th, I mean 103rd, home sold and family served here in Tehaleh!

We got so focused on what it is we do that we didn’t realize we missed our 100th closing! No one knows Tehaleh real estate like we do! We are so thankful that we have been able to help so many people find their dream homes in this beautiful community.

New Tehaleh Homes Available!!

We have two brand new listings in Tehaleh, both are beautiful homes!!

18613 138th Street East

Welcome home to this beautiful, move-in ready house in the gorgeous community of Tehaleh! There is SO much storage through out this incredibly well thought out floor plan it would blow your mind.

 

 

 

 It has a bedroom on the main floor, huge bonus room upstairs, HUGE master bedroom with a closet that is to die for! You can enjoy the cool evenings on the covered porch with a fireplace or in the family room snuggling in front of the fire.

 

19213 134th street east

Beautiful landscaping welcomes you to the front doors of this meticulously maintained home. With nearly 3,000 sq ft it includes something for everyone – 4 bedrooms upstairs, huge bonus room, a bedroom on the main floor with a 3/4 bath.

 

 

 

 

 

 

 

 

Expansive concrete patio with covered porch and fireplace, 3 car garage, A/C, & all situated on a greenbelt in the gorgeous community of Tehaleh! Very close to Sprouts Holler park, a trail head where you can enjoy 10+ miles of walking trails & a short walk to the community Cafe.