How is the Government Shutdown Impacting Home Buying?

How is the Government Shutdown Impacting Home Buying? 

How is the Government shutdown impacting home buying? With no end in sight, the now thirty day Government shutdown has people wondering how this is going to impact the purchase of a home, using an FHA loan.

The Federal Housing Administration (FHA) is continuing to issue FHA loans during the shutdown, however, there are challenges that both borrowers and lenders will face during the loan process.

The primary challenge is a delay in closing, due to limited staff working at FHA as well as other government branches like the IRS. Most lenders require IRS transcripts and social security verification as a part of the loan approval documentation. Both of these government departments are operating with limited staff.

Although the FHA is still technically working, the loan process could be delayed due to the shutdown. Regardless of this news, buying a home is still a good idea and as with any current event, the information available changes daily.

If you are interested in purchasing a home with an FHA loan, I would encourage you to speak to a qualified lender before you make any decisions regarding the government shutdown. Working with an experienced, knowledgably loan officer is imperative, especially during a time like this. If you need a recommendation, please call me today.

Roberta Voss
The Voss Team
RE/MAX Professionals
20241 N 67th Ave A1
Glendale, AZ 85308
(602)-697-0730

thevossteam.com
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Your Home: 3 Easy New Year’s Resolutions

Your Home: 3 Easy New Year’s Resolutions

It is that time of year when we reflect on the past year and create a list of New Year’s resolutions. The most popular resolutions are typically, weight loss, save money, spend more time with family, but how often to we include a list for our home? Here are 3 easy New Year’s resolutions for your home.

1.) Safety Check: The New Year is the perfect time to do a safety check around your house to make sure there aren’t any hazards that could harm you or your guests. That includes making long overdue repairs, checking your house for leaks, carbon monoxide, and replacing the batteries in your smoke detectors.

 

2.) Pare Down: With all the excess of gifts over the holidays, you may have found that more things came into your home than out. But in the spirit of cutting clutter, set up an “out with the old, in with the new” system. Every time something new comes in, something old goes out. That counts for everything, from books to clothes to gadgets. The more stuff that comes in, the more stuff that accumulates and needs to be organized. Go room-by-room eliminating anything old that you don’t use or absolutely love and donate it to a worthy charity. Less mess means less stress!

 

2.) Store More: We’ve all heard the term “a place for everything and everything in its place.” The same simple principle we tell our children in regard to putting their toys away should also apply to us adults as well! There are literally hundreds of creative storage options from behind the door hangers to under the bed storage bins to vertical shelving corner niches. Thinking outside the box and repurposing one storage item to serve the needs of another is a life saver. Over the door shoe organizers can do more than hold shoes. They make handy holders for everything from jewelry and makeup and more in a bathroom.

 

Regardless of what your resolutions are for the New Year, don’t forget to include your home in your planning process. And if buying or selling a home in 2019 is on your list, give me a call today!

Roberta Voss
The Voss Team
RE/MAX Professionals
20241 N 67th Ave A1
Glendale, AZ 85308
(602)-697-0730

thevossteam.com
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Top 3 New Year’s Resolutions for 2019 (and How to Stick to Them!)

Top 3 New Year’s Resolutions for 2019 (and How to Stick to Them!)

2019 came in with a bang and if you’re like most people, you have a stack of goals and resolutions to achieve for the New Year. Making a resolution is about making a personal promise to yourself to find a solution to a reoccurring problem in your life, hence the name “re-solution.”   It’s all about improving and making your life better.  Many of us find ourselves relisting the same resolutions every year.  Here are the top 3 New Year’s resolutions for 2019 and how to stick to them.

1.) Get Healthy: With two-thirds of Americans being obese or overweight, it’s no surprise that losing weight is one of the top New Year’s resolutions. But if you’ve made this resolution time and time again only to see it make the top of your list again, you’re not alone.  If you want to stick to this resolution, set a specific, small, achievable goal and then work toward building on that as time goes on. Instead of saying,” I want to lose 30lbs this year”, try, “I want to lose at least 2lbs a week for 3 months.”  Need accountability and motivation? Reach out to a nutritionist or start a workout competition with your friends or family. Small changes to improve your health and wellness at a time are better than no changes at all.

2.) Digitally Unplug: In this digital age, it can be hard to let go of that smart phone or tablet for more than a few minutes, especially if you got a shiny new screen for Christmas.  But if you feel the need to capture every moment with a picture to share online or think you’re having more conversations with your phone than actual human beings, it may be time to take a break. If you want to stick to this resolution, you can start gradually with a digital detox maybe one evening a week, then maybe for the weekend, and so on and so on.  It helps if you can remove social networking apps from your phone, turn off your Wi-Fi (AND your phone), or lock your devices up so you’re not tempted to check work emails or post your latest “selfie.”

3.) Try Something New: Self-improvement is not a new concept, but it is often a difficult resolution to keep for some.  Whether you’re looking to get more out of life or just add some new experiences, trying something new is a great way to enrich your day. To stick to this resolution, make a list of three things you are interested in trying, and them make an honest commitment to carve out some time in your busy week to do it. Take a watercolor paint class, join a hiking club, learn to play the guitar, or do something as simple as trying a new restaurant once a month. Find things to do that are nearby and within your price range so you aren’t deterred by distance or cost.  Assembling a friend or family members to join you is an added bonus, because they can keep you on track and help you stay motivated.

Which of these top 3 New Years resolutions for 2019 are on your list? If buying a home is on your list of resolutions, please contact The Voss Team today and let us help you make your goals. We hope your New Year is full of prosperity and joy!

Roberta Voss

The Voss Team

RE/MAX Professionals

20241 N 67th Ave A1

Glendale, AZ 85308

(602)-697-0730

thevossteam.com

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