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Best Time to Buy a House?

Home ownership provides many Americans with the best way to build their wealth and provide security in their retirement years. However, you need a lot more than just a down payment to purchase a home. You need a solid credit rating and enough liquid cash to pay for unexpected expenses. Plus, your all-important debt-to-income ratio must show you can handle borrowed funds responsibly.

When You’re In a Good Place with Debt

Assuming you’re not strolling into an open house with a suitcase full of Benjamins, you’ll need to have some previous debt to qualify to buy a house. You can’t owe too much, though, or your debt-to-income ratio might hurt your qualifications even if you’ve never missed a rent payment in your life.

Lenders like to see that you’re capable of paying back what you borrow. The occasional late credit card payment won’t necessarily lead to a rejection, but a ton of debts written off as non-collectible will. Before you even sit down with a lender — preferably before you raise a curious eyebrow while cruising past a “for sale” sign — get your free credit report first.

Once you receive your report, address any discrepancies with all three major bureaus. If you’re running short on time to do so, you can hire a third-party credit repair company. Pay down and pay off as much as you can, especially federal loans like student loans. A credit rating around 600 may get you a mortgage, but you’ll deal with potentially higher interest rates.

When Your Job Is Stable

Owning a house is a big deal, so it’s not a responsibility you’ll want on your shoulders if you don’t feel settled in your area. Renting allows you the flexibility to move easily if you need to pursue new opportunities. Naturally, then, the best time to buy a house is when you’re planning to stick around for a while.

There’s more than your lifestyle to consider, too. While not a set-in-stone requirement, most lenders like to see at least one year of employment with your company prior to approving a mortgage. Self-employed individuals will need to produce two to three years’ worth of prior tax returns to verify their income.

If you’re buying as part of a couple, you have some choices. Couples seeking to buy together don’t necessarily need to show the income of both partners unless necessary to bump their debt-to-income ratio into the green light stage. Someone earning $30,000 per year with $15,000 remaining in student loans may not qualify, but if their partner makes $60,000 and carries less than $1,000 in debt, buying a house may become an easier process.

When You Have Adequate Savings

When the refrigerator in your rental goes on the fritz, you simply get on the phone with the landlord to arrange a repair. When you’re the homeowner, these costs rest squarely on your own shoulders. Yes, you want to put as big a down payment as possible, but leave some in the emergency account to cover the unexpected.

Financial experts recommend having adequate liquid savings to cover six months’ worth of lost income. This becomes particularly critical when buying a house, as repair costs can crop up unexpectedly. Setting up separate savings accounts — one for emergencies and one for a down payment — costs nothing in most cases and can simplify your financial planning.

Likewise, consider whether it’s worthwhile for you to invest in a quality home warranty. While you may feel tempted to omit appliances to save a few bucks on coverage, a new hot water heater or oven can cost hundreds, while many warranties have copays as low as $75.

When Interest Rates Fall

Even seemingly tiny differences in interest rates can impact the amount you pay overall. Yes, you can still refinance later to lower your rate, but that involves paying additional fees. While market fluctuations usually regulate themselves over time, why pay more than necessary each month while you wait for rates to drop again?

Currently, mortgage interest rates remain low, but today’s bargain rates likely won’t last forever. Keeping an eye on market rates can help you determine if this is really the best time to buy a house. This doesn’t mean you should abandon your dreams of home ownership if interest rates climb, but it’s something to consider if you’re looking for the best long-term deal.

When the Local Market Looks Right

Market conditions are hard to time perfectly, but some research can help you decide whether it’s the right time to undergo the home buying process. Housing markets are variable, but there are a few steps to figuring out where your local market currently stands.

First, check out the listings in your region. Do they seem to be getting sold quickly, or are houses sitting on the market for a couple of months? This can help you determine how competitive the process is right now. If it’s currently a seller’s market, then you’ll likely be dealing with higher bids than you would in a buyer-friendly market.

A little innate local knowledge can help you determine when to buy a house, too. If your locale is seeing seemingly endless growth and rising housing prices, like San Francisco, then it might be better to dive in now rather than waiting for rates to climb higher. But if you know the market is seasonal or relaxed, then you might feel comfortable waiting a few months for the market to hopefully turn in your favor.

A good Realtor will likely have the experience and knowledge to help you gauge the market. But remember that even the experts struggle to predict economic conditions, so the best time to buy a house might just come down to when you’re personally ready for the process.

The Best Time to Buy a House

Few things in life feel as rewarding as the moment your real estate agent hands you the keys to your new house. Make sure that joy remains for years to come by practicing due diligence in determining when to buy a house. When your lifestyle, your finances and market conditions all align, it’s a happy occasion.

Moving a Pool Table Yourself

When moving into a new place, the pool table is a definite challenge to move but, it can be done. House to Home Moving can move pool tables and the entire contests of your house, for that matter. Call us for a free in-home estimate. However, here’s a step by step of how to move a pool table without spending any money or breaking your back.

Step 1: Gathering Supplies and Labeling

There are many little individual pieces and screws that put together a pool table. The best way to go about disassembling your table for the move is going to require some organization. We recommend whipping out that old instruction manual (if you can find it), label bags and boxes for each of the pieces to go into. The last thing you want to do is lose or confuse pieces during this whole process. From there, gather the supplies you’ll need to take your pool table apart.

You’ll need the following:

  • Power drill
  • Screwdriver
  • Socket wrench
  • Staple remover (for your felt)
  • Shrink wrap
  • Thick blankets for protection

Step 2: Enlisting Help

Pool tables are extremely heavy and bulky. We highly recommend that no one tackles this project by themselves. For reference, a single pool table weighs about 1,000 lbs! When removing heavier pieces such as your table’s slates which can weigh about 450 lbs each, enlist the help of strong friends or a professional to help. Make sure you have at least 3 helpers for when you have to navigate your pool table pieces through narrow corners, stairs, etc and into a truck.

Step 3: Disassembling Your Pool Table

Now that you’ve gathered your tools and helpers, it’s time to take your pool table apart and get it ready to move. First, remove the pockets, you will need a staple remover or a screwdriver depending on your table. Next, remove the rails by using a wrench to unscrew the bolts from each rail. Now it’s time to remove the felt, if your felt is stapled it is easier to remove, however, be very careful on this step as it is the easiest to cause irreplaceable damage.

If your felt is glued, it is not easy to remove but there is a way recommended by 10 Sorts. Now that you’ve conquered the felt, it’s time to remove the heaviest pieces which are the slates. Plan on having a power drill nearby as well as all of your helpers. Finally, it’s time to remove the legs from the remainder of the base.

Step 4: Protecting the Parts and Load Up

Hopefully, during disassembly, you stayed organized and placed all of the smaller pieces in labeled bags and boxes. For the heavier items, we highly recommend shrink wrap and moving blankets to help protect the varnished wood from scratching. When loading up, it’s very important that the slates are the most protected as they are the heaviest.

Step 5: Reassembling Your Pool Table

You’ve finally moved in, found the perfect room to relax and have all of your competitive fun in. If you held onto your instruction manual, it will help guide through the rebuilding process. If not, don’t fret, reassembling is just the opposite of taking the pool table apart. First, buy some pizza, beer and get some buddies or helpers to reassemble. Second reattach the frame together, if your frame came pre-built and you didn’t have to disassemble it for the move, then skip this step.

Third, reattach the legs to the base of the frame. They each have slots in the corner so that the legs should slide right in and secure the nuts with the socket wrench. Fourth, locate the center of the table by using a measuring tape and attach the center slate followed by the other two on even sides. If you have a 1 slate table these instructions will vary. Now reattach the felt up top by locating the holes for the bolts.

Finally align the rails with the felt and the pockets. We recommend watching the video below as a guide as it can be easier to visualize if you lost the manual. Now you’re ready to show off your pool skills!

Oakmont of Fair Oaks Visit

Hahahahaha I love this group of people right here!! Just visited the ED, Terry Ervin and the new MD, Janae Fernandez at Oakmont of Fair Oaks. What a great team and amazing community. Terry wanted the Fair Oaks Chamber of Commerce Honorary Mayor Jacob Giorgi to make an appearance. But not too close.

Thanks for the review Hope!

⭐⭐⭐⭐⭐

The guys from House to Home were absolutely amazing! I have never hired movers before and was a little worried, but the team was perfect. Showed up on time (early!) and worked hard the entire time. They were really nice, super hardworking and very careful! Also, their rates were cheaper than any other movers.
Highly recommend!!!!

Check out more recent testimonials here.

Hiring a Moving Company

House To Home Moving provides free in-home written estimates prior to the move date to determine the cost and leave you with a price in writing. Remember, an over the phone or verbal estimate is not binding and shouldn’t be trusted. The estimator will arrive at the time and date previously arranged by you and House To Home Moving. Once the estimator completes a visual inspection of what needs to be done, they can determine the procedure and equipment to properly complete your move.

Packing and unpacking

House To Home Moving Company offers packing and unpacking services along with the packing materials needed for your job. On the in-home estimate, the estimator will make a count of all the materials needed along with the time it will take to properly pack all the items discussed. Once the evaluation is done, a price is given for the packing services along with a timeline of how long it will take. Most pack jobs are done the day prior to the actual move. This ensures everything is ready when the moving crew arrives and the move will be done as efficiently as possible. House To Home Moving Company only uses the best packing materials and our movers are trained to pack everything properly so that it arrives in your new home in the same condition as when it was packed. Our packing crews will label the boxes as they are packed and ensure the contents are safe for transportation.

Loading and unloading

Whether you choose to pack your items yourself or pay for packing services, House to Home Moving will load and unload your belongings. Since loading and unloading are arguably some of the hardest parts of a move, professional help will make a big difference.

When you leave it up to the experts, your belongings will be properly loaded to maximize space in the moving truck and ensure the safety of your property. House to Home Moving will also unload your belongings for you, making the transition into your new place much easier.

Truck driving

House to Home Moving also handle the transportation of your household goods. If you’re not comfortable driving a moving truck yourself, don’t worry! House to Home Moving will transport your belongings to your new home quickly and efficiently. When looking for a moving company, make sure you check whether they service local or long-distance moves.

Furniture disassembly and assembly 

House to Home Moving help can facilitate so many aspects of your move — including furniture disassembly and assembly. If you’re moving extra-large furniture, it sometimes needs to be disassembled before loading it onto a truck or into a moving container. If you can’t deconstruct furniture on your own, we offer these services.

Insurance

You should pay close attention to moving insurance before booking a moving company. Moving insurance is technically called valuation (which functions like insurance). In the chance that your belongings are damaged or lost during your move, having moving insurance will give you peace of mind during your move.

Cost

The cost of hiring a moving company depends on a variety of factors, including the size of your home and the distance of your move. Different insurance plans and the transportation of specialty items will also contribute to the final cost of hiring a moving company.

There are a lot of variables when it comes to moving and every move is different. A few things to consider are:

  • Distance from where the items are to the truck (on load and unload)
  • Packing or unpacking services
  • Disassembling and reassembling furniture
  • Preparation
  • Accessibility
  • Stairs/elevators

While we are still in the Coronavirus crisis and everyone is social distancing. We are offering a service to make our estimates easier for the community. You can use Facetime on iPhones or Skype on Android phones to get a more accurate estimate for your move. Also, our movers will wear masks and gloves during the entire move.

CALL US now to schedule an appointment: 916-484-1144

HOUSE TO HOME MOVING

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