T. Jay Johnson Jr. - RE/MAX Property Promotions



Posted by T. Jay Johnson Jr. on 6/14/2019

The microwave does not get the respect it deserves in the kitchen. In reality, it is a useful appliance that is under-utilized in the kitchen. Did you know that apart from warming leftover dinner, there are many things that a microwave can do for you? A microwave is actually designed to cook some food items for you quickly and efficiently compared to other cooking methods. Here are some things you can whip up using your microwave.

Bacon

Instead of stressing out to fry bacon, a microwave can cook it for you without the splashing fat. Simply line a plate with paper towels, line up your bacon strips and set your microwave to high heat for up to five minutes. Most moderately-sliced bacon strips will cook to a crisp.

Popcorn

You can make DIY popcorn at home using a microwave. Take a brown paper bag and put in some kernel corns. Fold the bag several times and heat it until it begins to pop. Once the popping reduces to a minimum, put some olive oil or sweet butter, seasoning and anything else you like in your popcorn. Shake it all in, and that's it!

Frittatas for one

Take a mug, spray it generously with cooking spray and break an egg into it. Add in some milk, salt, pepper, and your favorite vegetables and anything else you like in your frittata. Microwave it on high heat for about two minutes, and it's done!Steamed milk for lattesIf you are making your latte at home, you can complete it with “steamed” milk and foam just like your favorite barista. Put two-percent milk into a mason jar and close the lid. Shake it until it foams for about a minute. Then take off the cover and put it in a microwave for about a minute till it is warm. Pour milk into your latte and add the foam for a special topping.

Toasted nuts

Toasting nuts in a pan can leave your kitchen smelling like burnt nuts. You can avoid this smelly nut kitchen issue by using a microwave to get the crisp on your nuts instead. Use a microwave-safe flat dish to cook it instead to get the same crisp without the smell. Don’t cook your nuts for a long time. For the best results, set your microwave to one minute and check your nuts after each round to see if it’s toasted enough for you.

For more cool things you can do with your microwave, take a glance at the user manual to learn more cooking tips.




Tags: Cooking   kitchen   microwave  
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Posted by T. Jay Johnson Jr. on 6/7/2019

Let's face it – stress can be problematic, particularly for a homebuyer who is competing with others to find the best house at the lowest price. Lucky for you, we're here to help you minimize the guesswork associated with purchasing a house, increasing the likelihood of a stress-free homebuying experience.

Now, let's take a look at three tips to help you enjoy a stress-free homebuying journey.

1. Study the Housing Market

The housing market conditions in one city or town may vary from the real estate conditions in another. As such, you'll want to assess the local housing market closely to identify patterns and trends. This will allow you to obtain comprehensive real estate market insights that can help you become a diligent homebuyer.

Of course, don't forget to analyze the prices of recently sold houses in your city or town too. This housing market information can help you differentiate a seller's market from a buyer's one so you can tailor your homebuying journey accordingly.

2. Prep Your Finances

Although you know that you want to buy a house as soon as possible, you still have no idea how you'll pay for a residence. Fortunately, if you prepare your finances today, you'll be better equipped than ever before to enjoy a stress-free homebuying experience.

Consult with a variety of banks and credit unions to learn about all of the mortgage options at your disposal. That way, you can explore a wide range of mortgage options and select one that matches your finances perfectly.

Also, be sure to ask lots of questions when you meet with lenders. These financial institutions employ friendly, knowledgeable mortgage specialists who can help you evaluate all of your home financing options. And if you ask plenty of mortgage questions, you can gain the insights that you need to make the best-possible mortgage decision.

3. Collaborate with a Real Estate Agent

If you want to avoid stress throughout the homebuying journey, it helps to hire a real estate agent. In fact, with a real estate agent at your side, you can get the support that you need to thrive.

A real estate agent will learn about your homebuying goals and help you map out a successful homebuying journey. As a result, a real estate agent will make it easy to identify potential homebuying hurdles and ensure that you can avoid such issues.

Furthermore, a real estate agent delivers extensive assistance at each stage of the homebuying journey. He or she will help you examine a broad array of houses and find a home that is right for you. Plus, after you discover your dream house, a real estate agent will help you submit a competitive homebuying proposal.

As you get ready to enter the real estate market, it helps to plan ahead as much as you can. Take advantage of the aforementioned tips, and ultimately, you can minimize stress as you proceed along the homebuying journey.




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Posted by T. Jay Johnson Jr. on 5/31/2019

Selling a home may prove to be an uphill climb. Fortunately, if you craft a home selling strategy, you can eliminate guesswork throughout the property selling cycle.

A home selling plan is a must-have, and perhaps it is easy to understand why. This strategy enables you to prepare for potential hurdles you may encounter as you promote your residence to buyers, review an offer to purchase and perform other house selling tasks. Plus, if you allocate time and resources to develop an effective strategy, you could streamline the process of selling your residence.

There are several things you can do to ensure your home selling strategy will deliver the best-possible results. Now, let's take a look at three tips to help you craft a top-notch house selling plan.

1. Analyze Your Home

What you originally paid for your house is unlikely to match your home's current value. Luckily, there are various assessments you can use to evaluate all areas of your residence.

A home inspection enables you to identify any underlying house issues and correct such problems before you list your residence. Or, you can always hire a home appraiser who can give you a property valuation.

When it comes to selling a home, it helps to prepare as much as you can. If you conduct a home inspection and appraisal, you could gain valuable insights so you can set a competitive initial asking price for your residence.

2. Upgrade Your House's Interior and Exterior

Your home may have flaws, but you can address these issues right away. By doing so, you could make your house an attractive option to buyers.

Clean each room of your house. Also, eliminate clutter so you can show off the full size of your house.

In addition, mow the lawn and perform other home exterior updates. If you boost your house's curb appeal, you may be able to differentiate your residence from the competition – something that could result in a quick, profitable home selling experience.

3. Collaborate with a Real Estate Agent

A real estate agent understands what it takes to develop a house selling strategy. Thus, he or she can help you craft a home selling strategy and put this plan into action in no time at all.

Typically, a real estate agent meets with a house seller and learns about this individual's property selling goals. A real estate agent next creates a plan designed to help a seller quickly achieve the optimal results.

A real estate agent offers plenty of guidance throughout the house selling journey too. Therefore, if you are unsure about how to showcase your residence to potential buyers, a real estate agent can deliver support. On the other hand, if you are uncertain about whether to accept or reject an offer to purchase your home, a real estate agent can provide an honest, unbiased recommendation.

Use the aforementioned tips, and you can instantly create and implement a successful home selling strategy.




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Posted by T. Jay Johnson Jr. on 5/24/2019

 If you're in the process of searching for the ideal home for you and your family, there are many things to think about and evaluate.

While factors like the quality of neighborhoods and school districts may top your list, another important feature worth prioritizing is convenience. Since life is already complicated enough, it makes sense to simplify your daily routines whenever possible! The perfect time to set the stage for a simpler, easier lifestyle is when you're shopping for your next home. Here are a few thoughts to keep in mind when looking for ways to help make life easier

Short commutes: When you consider all the advantages of living close to your job or business, the benefits are undeniable! A relatively short daily commute not only helps you manage your stress level, but it also enables you to spend more time with your family... and less time dealing with rush hour traffic! A shorter commute can also save you money on gasoline, wear and tear on your car, and highway tolls.

A first-floor laundry: Unless you find ways to streamline and simplify your weekly laundry tasks, it quickly becomes a burdensome chore! Having to carry loads of laundry up and down basement stairs can definitely be tiring -- both physically and mentally. (It can be even more unpleasant if you buy a house with an unfinished basement.) The solution, of course, is to tell your real estate agent that you'd strongly prefer a home with first floor (or even second-floor) laundry hookups. Persuading your family to cooperate with organizing and sorting their own laundry items is also a good goal, but is easier said than done!

Two-car garage with remote control: After a hectic day at the office (or wherever you happen to work), there's nothing like the convenience of an automatic garage door and a spacious, private parking area waiting for you at home. In addition to the convenience, it's nice knowing your cars will be much more secure in an enclosed garage. It's also a great way to stay dry and warm when unpleasant weather is around.

Proximity to stores: The ideal location for your next home is close to grocery stores, pharmacies, and other services you and your family use on a regular basis. As is the case with job commuting distances, if you can live within a half an hour of places you need to drive to frequently, it makes day-to-day life much easier. While few neighborhoods are "a stone's throw" from everywhere you'll want to go, being close to supermarkets and other essential conveniences can save you time and provide you with a quick solution to having no milk, bread, or dinner food in the house!

So if you are getting ready to buy, or currently in the market, connect with your agent on the essentials you would like in your new home today.





Posted by T. Jay Johnson Jr. on 5/17/2019

Preparing to buy a home is a long and stressful process for many. You’ve spent months, or even years, saving for a down payment, planning your future, and building your credit to ensure you get the best possible interest rate on your loan.

Then you find out, when getting preapproved for a mortgage, that your credit score dropped by a few points. So, what gives?

There’s a lot to understand about how credit scores affect mortgages and vice versa. In today’s post, I’m going to attempt to cover everything you need to know about how applying for a mortgage can affect your credit score so you’ll be prepared when it comes time to buy a home.

Prequalification, preapproval, and credit checks

There are a lot of misconceptions about what it means to be preapproved or prequalified for a loan. Some of it is due to the jargon that is used in real estate transactions, and some of it is just a marketing technique on the part of lenders. 

So, what does it mean to be prequalified vs preapproved?

The short version is that getting prequalified is a quick and easy process to determine whether you’re eligible to lend to and how much you’re likely to receive. It involves a quick review of your finances, and often includes either a self-reported or soft credit inquiry.

A “soft inquiry” is the type of credit check that employers typically use for a background check. It doesn’t affect your credit score, as you are not applying to open a new line of credit. In fact, many lenders’ process for prequalification is a simple online form that doesn’t even require a credit check. We’ll talk more about the difference between soft inquiries and hard inquiries later.

The simplicity of prequalification makes it a simple and easy way to get started. But, it isn’t always accurate in how well it predicts the type of mortgage and loan amount you can receive. That’s where preapproval comes in.

When you get preapproved for a loan you fill out an official application (you often have to pay for these). This will request documentation for your finances and assets, and will ask your approval to run a detailed credit report.

These credit reports are considered “hard inquiries” and are a vital step in getting approved or preapproved for a mortgage. However, they also, at least temporarily, lower your credit score.

Why hard inquiries lower your credit score

When any creditor, be it a bank or credit card company, is determining whether to lend to you, they want to know that you are a safe investment. To determine this, they want to know how frequently you pay your bills on time, how much you owe to other creditors, and how financially stable you are right now.

When you make multiple inquiries in a short period of time, it’s a red flag to lenders that you might be in trouble financially. Thus, hard inquiries will lower your credit score for 1 to 2 months.

Applying to multiple lenders: the silver lining

When borrowers apply for a mortgage, they often shop around and apply to multiple lenders. While it may seem that all of these hard inquiries will add up and drastically lower their credit score, this isn’t the case.

Credit bureaus take into account the source of the inquiries. If they realize that you are applying for mortgages, they will typically recognize this as rate shopping and group these applications together on your credit report, counting them only as a single inquiry. This means your score shouldn’t drop multiple times for multiple mortgage preapprovals that were made within a small time frame.


Now that you know more about how mortgage applications affect your credit score, you can confidently shop around for the best mortgage for you and your family.




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