You may still be picking your final tomatoes and enjoying the last flower blooms but it's time to take care for those pre-winter tasks that will help make next year's yard and garden even more lovely. Here's a list to hit before the snow starts falling.
1. Take care of those bald spots
Overseeding bald spots in the fall is like Rogaine for your lawn. Autumn's a good time for aerating, too.
2. Leave ornamental grass alone
Don't cut back the tops of ornamental grasses before early spring. The top growth helps insulate the root, keeping the source of next year's growth nice and snug.
3. Empty the tank
Store your mower with an empty tank over the winter. Have a bit of gas left? Mow over the leaves on your lawn for a natural mulch.
4. Speaking of mulch…
Mulching in fall can be even more beneficial for plants than doing it in spring. Spreading two to three inches of mulch around trees and shrubs helps protect roots from frost and helps retain moisture during cold, dry winter months.
5. Maintain your hose and pipes
Drain your hoses and store them in the basement, shed or garage. Blow out your sprinkler system. Drain your water features. Stash watering cans, especially galvanized steel cans, indoors. Water left over the winter can freeze, expand and damage them all.
6. Put the tools to bed
Before storing your garden tools for the winter, clean them off and, if needed, sharpen them. Rub a bit of linseed oil into wooden handles to prevent cracking. When it's time to pull them out in the spring, you'll be ready to go.
A well-kept yard can increase the value of your home. Find out more ways to enhance your investment by talking to a Realtor.
The seller has accepted your offer, the inspector didn't find any underground streams or shaky foundations, and the closing date is set. You're in the homestretch! While you can breathe a little easier, remember, the deal's not done until everyone signs all the (zillion) documents at the closing table. And, your lender can still change their mind. Here are 5 closing mistakes to avoid when buying a home.
1. Don't mess with your income-to-debt ratio
The ratio of your monthly income to your monthly debts is one of the main factors the lender considered when qualifying you. And your lender will probably run your financials two or three more times before closing. While it's tempting, don't take out a big loan for the new deck you want to install when you move into your new place. Don't sign the lease on the new Audi that will look perfect in your new driveway. The bank looks at lease payments like any other debt payment.
2. Don't disappear
Be sure to keep in touch with your lender and be readily available to immediately address any last-minute concerns.
3. Don't change jobs
Lenders love stability. Switching jobs right before closing can make them anxious, and you want to give them every reason to feel confident. Most lenders prefer to have a two-year job history in hand, so making a big career move could slow things down, or squash the deal entirely.
4. Don't open new credit cards
Yes, you'll be buying furniture to fill those lovely rooms. Yes, you might need a new fridge. And yes, new dishes to match the new kitchen would be splendid. But resist the lure of opening new credit cards until after closing. Doing so can affect your credit score. For now, just open catalogs.
5. Don't be late
Even though you may have been riding the real estate roller coaster and life's been chaotic, be sure to stay current with all bill payments. Late payments, too, can affect that all-important credit score.
Wondering what else is involved in the final stretches of a home purchase? Your agent will be happy to answer any of your questions. Find an experienced agent here! Melissa Johnson Real Estate Agent
Content supplied by ReMax Blog August 19,2016
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