Most potential home buyers wait to talk to a mortgage lender until they’re ready to buy. Makes sense, right? Why bother digging up your financial statements and filling out a bunch of paperwork if you’re not going to buy right away?
If buying a home is one of your long-term goals, you may be doing yourself a disservice by not talking to a lender sooner rather than later. The goal of any good mortgage lender is to help you get “mortgage-ready.” This means getting you and your finances in order so you can qualify for the best mortgage possible, with financial terms and a monthly payment that make sense for you and your budget.
This year, I helped my mom sell our family home. The hardest part? Going through decades worth of old belongings, deciding what to keep ... and what to chuck.
Before this move, I never thought of myself as an especially sentimental person. Yet, as I opened boxes to uncover stuffed animals from my childhood or a box of family photos, packing would come to a screeching halt while I sat down and studied every object and image with care. While a small part of me longed to keep everything, I knew that my mom's new place lacked the space, and my own home was already cluttered enough. This forced me to make some tough decisions.
In the end, we got it done—and I learned a ton in the process. Here are a few hard-won lessons to help declutter and move without sacrificing all those memories.