Harold & Kim Hanmer's Blog

Posted on 11/29/2020
Fixed vs. Adjustable Mortgages
Photo by NeONBRAND on Unsplash Once you are ready to buy a house, you need to check your finances to determine how much you can put down, and how much you can afford to pay on a monthly mortgage. Knowing this helps you determine how much house you can afford. However, your interest rate is going to play...
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Posted on 11/22/2020
Should You Establish Home Selling Goals?
If you want to streamline the home selling journey, it usually is a good idea to develop goals. That way, you can identify any potential home selling challenges and address them before you list your residence. Ultimately, there are many problems that may arise during the home selling journey, and these include: 1. Poor Curb Appeal How your home...
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Posted on 11/15/2020
Mortgage Pre-Approval Details You Need to Know
Image by Mediamodifier from Pixabay As you enter the home buying process, some people may recommend that you seek mortgage pre-approval. This is typically one of the first steps in the process, and you may view it as something you have little choice over. Yet mortgage pre-approval is not a requirement to start shopping for a house, and...
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Posted on 11/08/2020
How Credit Scores Affect Your Monthly Payment
Photo by Lukas from Pexels Before you even start looking for a home, you should know what your credit score is. You can pull your own credit score from the three major bureaus without having points deducted from your credit score. You should know your score since it will affect how high your mortgage payments will be, and...
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Posted on 11/01/2020
How to Beautify Your Garden with These Favorites
Photo by Helga_SM via Shutterstock When you begin to revamp your yard or garden, there comes a time to decide what exactly you’ll be growing. You’ll want plants that are hearty, beautiful and fragrant to grace your yard. Choose Hearty First, you can begin by planting ground-cover roses. These bountiful, low-growing rose varieties can provide plenty of flowers...
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Posted on 10/25/2020
Tile is Back: Backsplashes for Your Kitchen
Photo by P_Kennedy123 via Pixabay The word is out! Tile is back, and we couldn't be happier. No other medium finishes the look of a kitchen like a tile backsplash. And regardless of your skill level, with a little patience, almost anyone can create a stunning tile backsplash. Here's how it's done! What you'll need Tile of choice...
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Posted on 10/18/2020
Keep Dry When Moving in the Rain
Image by Matheus Bertelli from Pexels Often, you cannot choose the timing of your move. If the rainy season happens to be in full swing, moisture could become an added challenge to your relocation strategy. Even a drizzle could cause damage to your property but you can avoid issues if you are prepared. Below are tips on how...
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Posted on 10/11/2020
Remodeling: How to Get Started
Starting a new renovation project can be overwhelming. Of course, there are tons of details to consider, so you might find yourself at a loss when it comes to visualizing your end product. Before you begin your remodeling project, you need to have an idea of how you want the result to look. To make it easy for...
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Posted on 10/04/2020
Requesting a Zoning Variance
Image by Michi S from Pixabay Every property has an assigned zone that controls how you can use it. In residential zones, for example, you often have to abide by restrictions regarding business activity and animal husbandry. Commercial and industrial zoning also comes with many restrictions for its use, limiting the types of businesses that can be operated...
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Posted on 09/27/2020
Luxury Details For Your Backyard
Image by Andy Giraud from Pixabay Your backyard is just as much a part of your property as your kitchen, bedrooms and bathrooms. And yet, you may not spend very much time enjoying the space when all is said and done. If you want to give yourself a reason to get out in the fresh air, you may...
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Posted on 09/20/2020
Handling Household Emergencies
Photo by Jan Mallander via Pixabay When you’re a new homeowner in a new community, you don’t always know how to handle unforeseen emergencies. Before that day arrives, take the time to learn your community so that a minor issue doesn’t become a major catastrophe. Handling Household Emergencies Whether it’s a burst pipe or a broken window, household...
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Posted on 09/13/2020
When to Sell Your Home as an Investment Property
Photo by fran hogan on Unsplash If you’re a homeowner considering selling your home as an investment property, timing is important. From a financial perspective, just as you probably bought strategically, you want to sell strategically too. The trick is knowing when the right time arrives. Here are four common metrics people use to determine when it's time...
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