Blog by Dave Saran Team

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AC Tuneup: Get Ready for Summer

July 18th, 2014

“Let comfort be your guide,” says Tom Hutchinson of Hutchinson Plumbing Heating Cooling. Air conditioning is all about comfort, so the simplest way to evaluate your system is to ask: Am I comfortable?

Air conditioning and HVAC units don’t last forever—12 years is an average lifespan—and the moment they fail is usually when you need them the most: during those 100-degree days in the summer or ...

Pay Off Credit-Card Debt Before Buying a Home? Maybe Not

July 4th, 2014

While getting your financial house in order before you try to purchase a home is an excellent plan, paying off all your credit card debt may not be the best move.

Ironically, some of the steps you take that are great financially (such as reducing debt and canceling your credit cards) are not always helpful when you are applying for a home loan. Reducing your debt will impact your credit scor ...

Can You Afford Your New Home’s Energy Bills?

June 20th, 2014

When you are consumed by the details of finding and buying a house it’s easy to overlook another long-term expenditure that could make or break your finances over the course of your homeownership: energy bills.

That affordable mortgage payment could quickly tip into the pain point if your new home comes with a monthly utility outlay you weren’t expecting.

How to do that math:

Energy Audits ...

8 Things to Avoid Before You Buy a Home

June 6th, 2014

If you have been approved for a mortgage for your next home, you might be assuming you can breathe easy now and just concentrate on packing and preparing for your move. Not yet.

While most of your hard work of building a good credit profile and amassing savings for a down payment and closing costs is behind you, it’s important to remember that your lender will recheck your credit just prior ...

Can a Car Loan Keep You From Getting a Mortgage?

May 23rd, 2014

Buying a new or slightly used car and purchasing a home are two of the biggest financial steps we make in our lives, but did you know one could affect the other?

When you apply for a car loan, the size of your monthly payments and how well you maintain those payments can factor into your mortgage approval. Here’s what you need to know before you take on these big purchases.

Credit Scores

A ...

Revive Your Frozen Lawn With These Maintenance Tips

May 9th, 2014

A polar vortex pounded lawns this past winter with ridiculous sub-zero temperatures and record snowfalls, so don’t be surprised if parts of your lawn—especially in low-lying areas—are dead on arrival this spring.

“Snow acts like a cover, but ice is bad for turf,” says Chris Lemcke, technical director of Weed Man USA lawn care. “Ice freezes plant cells and crushes blades and leads to death.”

...

Is Your Fireplace Safe?

April 25th, 2014

Most folks consider their fireplace and chimney to be indestructible parts of their home that require little or no maintenance. While masonry work is generally as close to maintenance-free as you can get, fireplaces and chimneys are more than just masonry; they are a part of your home’s heating system, which must effectively vent fumes from your fireplace, furnace and water heater.

Relativel ...

Getting a Tax Refund? Consider Using It for Your Down Payment

April 4th, 2014

While most people dread tax time, if you are getting a refund, this time of year can seem almost as rewarding as end-of-the-year bonus season.

Whether you are receiving a refund of a few hundred dollars or several thousand dollars, if you’re contemplating buying your first home, you may want to deposit your refund into an account dedicated to your down payment fund.

“Using your tax refund ...

Five Spring Fix-it Projects - It's time to repair and refresh

March 21st, 2014

Cleaning gutters is one of those heavenly springtime tasks made simpler here with a new tool from Gutter Tongs.

Forget May flowers, for most homeowners April showers bring rust, clogged rain gutters and all manner of sticky doors and windows. To help you solve these troubles, here are some sure-fire solutions to common spring problems. They're easy enough to tackle in a weekend so you can spend more time smelling those flowers.

Rain gutter repairs
Nobody likes to clean or repair gutters. However, t ...

Choosing a Garage Door Opener

March 7th, 2014

If opening your garage door is a pain in the back, it's time to consider installing an automatic garage door opener. No longer considered a convenience item for the privileged, today's garage door openers are affordable, safe and easy to install.
 
There are three main types of openers:
 
Chain drive mechanism: By far the most popular and affordable opening device. Priced between $100 ...
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