Tara Padula Cassery's Blog
A three season room can be a really great investment for your home. This addition really allows for the enjoyment of the great outdoors without exposing you to the elements. It’s an investment that gives a maximum return.
When you decide to install a three season room, there are a few things that you should consider. First, you’ll need to estimate the costs of building the room. How much you’ll spend varies based on the finishes that you choose, the materials used, and the area of the country that you live in.
When you undertake any kind of home improvement project you should obtain estimates first. This way, you’ll have an idea of just how much the project will cost. Contractors will also give you an idea of how they will go about completing the project in order to meet your needs. It’s a good idea to know how much demolition is needed and how long the project will take. This will vary by contractor.
Think Of Using Existing Structures
Using existing structures on your home can really help to cut down the cost of building a three season room. Your current porch or deck area may even have the ability to be enclosed. If the structures are sound, it’s a great option. Remember that a three season room needs glass, a sturdy floor, screens and windows to be complete!
Match The Roof
You’ll want to match the roof of your three season/sunroom with the existing roof of your home. Choose from a variety of styles from simple to the elaborate. Just be sure that the new roofing doesn’t stick out too much. You can even add a skylight in the new addition to let more light in.
You want to be sure that you get an accurate estimate for building your three season room. The contractor should include all of the following areas in the estimate:
- The foundation
- The frame
- HVAC hookups
It should be noted that along with building materials, the cost of labor should be included along with the estimate. Carpenters charge a set rate per hour as do electricians and plumbers. You’ll most likely need a few different contractors in order to complete your three season room, so take that into account.
No matter what part of the country that you live in, you will always be happier if you maximize your enjoyment of the outdoors. Completing a 3 season room can help you and your family to enjoy nature all year round.
If you’re a first-time buyer, odds are you’ve never seen or heard much about mortgage applications. However, for something as important as buying a home, it pays off to go into the process knowing what to expect.
Mortgage applications aren’t all that complicated in and of themselves. Most of the time, your chosen lender will walk you through the process and answer any questions that arise. However, complications do arise when it comes time to provide documentation on things like your income.
To make things easier for your first application, I’ve put together this list of frequently asked questions that first-time buyers often have about their mortgage application process.
Will applying for a mortgage hurt my credit score?
Mortgage lenders will run a credit inquiry to help determine your lending eligibility. There are two types of credit inquiries: hard and soft. A soft inquiry is a quick credit check that doesn’t affect your credit score. A hard inquiry, on the other hand, does. This means your score will be lowered slightly for a few months and then will bounce back.
Mortgage lenders run both types of inquiries. For quick, pre-qualifications, lenders typically run a soft inquiry. Then, as you progress through the approval process, they’re run a detailed credit report (hard inquiry).
What information should I have available?
Lenders will ask you for various documents. The most common things they will ask for include proof of income in the form of W-2 forms from the previous year and your most recent pay stub. They will also require a record of your other debts, including student loans, auto loans, credit card debt, and any other outstanding debt that you owe. Finally, they will ask for an inventory of your assets. This could include investments, properties, auto titles, and more.
What if I don’t work a conventional job?
People who are self-employed or have unconventional income can still qualify for a loan and will still be required to show proof of income. Lenders may ask for Form 1099 records, tax returns, or any other record or proof of income you have available.
How long does it take to complete an application?
Mortgage applications can be completed as quickly as you gather the required documentation. However, there’s more to getting approved for a mortgage than filling out an application. There will be time needed to process the application, and underwrite your mortgage. This entire process typically takes between 30 and 45 days.
Is it safe to apply for a mortgage online?
Most lenders allow you to start the application process online and their online portals are typically secure. Make sure you check your browser window to ensure that the connection to the site is secured, and you should have nothing to worry about.
Keep in mind that most online applications are designed to get you prequalified and on your way to getting a mortgage. So, if you want to avoid getting calls from the lender, you might not want to enter any data until you know you’re interested in borrowing at this time.
6 Kessell Street, Grafton, MA 01519
8 Appleseed Dr, Westborough, MA 01581