How to Secure Your Home From Theft

Having a home for your family is a great privilege and one important thing to consider when having a home is security. Crimes are everywhere but can be prevented with the use of safety precautions. So, here are ways on how to secure your home from theft.

Don’t post on social media

We live in a time when everything is posted on social media and even your whereabouts are included, thanks to GPS. Everyone has access to the internet and that includes thieves and burglars. These people are always on the lookout for empty houses to break in. According to a report from DailyMail, photos posted on social media can make it easier for burglars to find unoccupied homes. Criminals use advanced techniques to target homeowner locations.

Always remember to be responsible on social media and always be conscious of your posts. Never be an easy target for thieves and avoid posting your location. Never post that you are away with an empty house back home. Make sure that your posts are not public and can only be visible to friends, family, and relatives.

Clear your garden

A WebMD article about home security says that clearing the outside of your house prevents theft. Trees and shrubs can make it easy for thieves to hide and look into your house. Always make it a habit to clear your garden and trim your plants especially those near doors and windows. It is also advisable to use thorny and spiked plants in your garden to help avoid trespassers.


Secure your doors

Next is the most important of all which are entries to your house – doors. According to Crime Prevention Security Systems, most people think that burglars would never attempt to enter through the front door. However, around 40% of successful break-ins happen with the use of the front door. These are easy targets for burglars because people often forget to lock doors. Sometimes, people also hide the keys somewhere near the door, making it easy for burglars to fish for it.

One lock for a door is not enough, so make sure you have at least two. Secure both front and back doors with deadbolts and never store the keys near them. It is best to store all keys with you in your bedroom including car keys. Place a “neighborhood watch” sign on your door or window which can be a primary warning to thieves.

Buy professional alarms

There are a lot of home alarm systems available in the market and prices may vary greatly. It is normal to doubt and be stingy about an alarm system but it is important to buy a professional one. Do not settle for dummy ones in an attempt to just scare off burglars. Alarms help home intruders be easily seen. There are different types of alarm systems but according to WebMD, one with motion detectors is the best, with windows and doors coverage.

You should post signs on your house or lawn that you have a home security system. This will discourage thieves from entering your home as well.

Secure other entries

Other points of entry in your home are windows and some burglars decide to enter through it. Secure your windows by adding locks. Also, invest in an alarm system that has glass-break sensors. This easily sets off the alarm once there’s a sound of glass breaking from a window.


Keep the inside private

Keep the inside of your house private and make sure that it is not easily seen from the outside. According to, burglars like to watch and study a home before entering to see if the items they can steal are worth breaking in to. Cover your windows with curtains or blinds to prevent thieves from watching and seeing the activities inside your house. This is similar to not posting on social media and keeping your life private. If burglars have minimal access to your home, then your house has a better chance of preventing intruders.

Store your tools

Keep your tools away and store them somewhere inaccessible to intruders. Some burglars improvise and look for tools in the home that they break in to. Store your tools in one place and never keep them near doors.

Being proactive and securing your home with these tips and tools is a very handy way of protecting your family. In the rare case that a burglar does get in, be sure you know how to defend yourself and your family. Remember that prevention is always the safest option.

Things to Consider When Buying a Home

Buying a home can be one of the biggest and most exciting decisions in your life. How do you know that the home you buy is for you? To make sure that you make the most out of that decision, there are certain things you need to consider.


Your home’s location can have a very huge impact on your lifestyle. According to Realty Times, factors you need to think about to evaluate a property’s location are proximity, environment, accessibility, and positioning of the property.


  • Proximity
    • Assess if it is close to areas that you would necessarily go to like work, park, schools, relatives’ home, or downtown areas. Think whether you want to stay near places for leisure and activities.
  • Environment
    • How is the ambiance of the location for you? Most people prefer a quiet and peaceful atmosphere rather than noisy ones. Houses are better located away from freeways, factories, or excessively noisy places.
  • Accessibility
    • Is the property located near public transportation? Commuting accessibility is an important factor to consider especially if you have trouble with your vehicle. See if the property is located near a bus or train station.
  • Positioning
    • The position of the home you buy is also an important component to evaluate. If you are a first-time home buyer, this is something you should not miss. Some cultures highly consider the direction where their house faces. You should also think about the position in terms of the sun. Some people do not like too much sunlight yet some do. Positioning can affect home temperature, lighting, and air flow.

So think about the location wisely and one thing to help is ask around the neighborhood for their opinions.


Safety and security are a top concern when buying a home and usually comes together with the location. Read about local news and learn about the homeowner’s association of the area you plan to live in. This is very important to maintain a safe haven for you and your family.


Think about what size of home you want. How many will be living in the house with you? How many bedrooms and bathrooms will you need? Do not buy an excessively huge house if only two people will live in it. Remember that along with size comes a higher price! Amy Fontinelle of Investopedia says that the bigger the property is, the higher the maintenance costs and utility bills as well. Also, you will need to fill in space with more furniture and house items if your house is bigger than you need. Live in a house size that you know you can afford and manage.



Everyone wants a sturdy built house that will last for years. If you’re purchasing a house that is already built, know what kind of materials were used. According to SafeWise, hiring a reputable inspector to check the house is your best bet. The inspector can examine and verify the materials used to build the house. They will check window quality, roof materials, foundation, and flooring. You can hire specialized inspectors to double check for pests.

Knowing the structure of your home can ensure that your house is sturdy and doesn’t have any hazards for your family. 

Financial Situation

Knowing your financial situation is very important in knowing what kind of home you can purchase. According to Forbes, it is important not to get fixated solely on the purchase price because there are other costs to consider. Beyond the house price are real estate taxes, insurance costs, and homeowner association fees to name a few.

Carefully assess how much you can afford to buy a home. Having a clear picture of your financial situation can help you get your dream home for your family. This can let you know how much budget you have and the amount of loan you can get.

Real Estate Agent


A real estate agent is very important in your house hunt. Forbes advises that hiring a trusted realtor is still ideal because they will be the one to guide you in the home-buying process. Going through the process alone can be very confusing and having someone professional to guide you will make it easier and more convenient.

Choosing a home may seem very simple but having guidelines to consider will make it even easier. Make sure you know what you want when buying a home and remember these things to find one that is perfect for you.

Tips on How to Sell your House in NO TIME

Selling a house might be a big challenge for homeowners since there’s a lot of competition so, getting well-equipped with home-selling facts is a good thing.

The National Realtor Association states that almost 83% percent of the population consider their home as an asset.  Kacey and I are here to help you by sharing the best selling tips that will help win the hearts of potential buyers!


Do you want to enter a home that feels dark and gloomy? Of course not! It may sound odd, but there are people who develop a feeling of attachment when they visit an open house event and that’s what we want! People want to see a house that’s well-ventilated and has an inviting ambiance. People want a house that is safe, well-lit, and clean. You will never know when clients could be visiting, so we need to make sure that THE HOUSE IS ALWAYS READY AND AVAILABLE FOR SHOWINGS.

impression 1

The mind has this tendency to judge everything the eye sees within 7 seconds, so make sure it counts. Be creative, and try adding things that can make them feel at home. Choose the best decor for your home whether it’s an old or a new house. Try:

impression 2

  1.    Planting attractive shrubs and flowers. Hire a landscape expert.
  2.    Buying cheap but pretty curtain designs and hang them on the windows.
  3.    Hanging or attaching wall lamps/light bulbs (if necessary)
  4.    Removing unnecessary furniture.
  5.    To welcome them with a sparkling clean floor and a nice doormat!

Remember: Don’t overdo it! Simplicity is sophistication. 


A sparkling clean house should always be on your top priority list. Remove all unnecessary clutter in your house (keep the ones that are good for the frontage!) two to three weeks before showing the house to prospective buyers.

Dispose of any items that give off a smell that will make your potential clients leave the house immediately. Open the windows and make use of an air freshener if needed.

It’s a must that the house gets enough light. A house that’s well-lit is a safe house. According to Elledecor,  “the right lighting can make or break a room.” Work on placing easy to access light switch, getting a dimmer to add a special feeling, a light that’s inviting, transcends and illuminates the house. Avoid plain white lights or you will make them feel like they’re in an emergency room.


Always choose the best carpet for these areas, the perfect wall decor, and furniture. Try asking a friend who’s good in designing, or an idea from a cheap interior designer will do!

Furniture placement is a fundamental need for a successful facade. The living room welcomes clients and makes sure that they scan the entire house. Be sure to style up your living room, choose warm, sophisticated colors that will make them feel welcome and place the furniture accordingly. Remove the unnecessary ones; be a smart minimalist.

Investing in your kitchen is a top priority. Buying one single metal equipment will make them think that everything in your kitchen is expensive. You can choose cheaper options but make sure that it has quality. Regardless, if you have a modern or an old-fashioned styled kitchen, updating to the newest cabinet hardware is a sure win.


Leaving a few new kitchen accessories is a good idea too! Choose a neutral color and set up a design that will give them the opportunity to create an idea on how they want it to look like.

The bedroom is one of the most favorite areas in the house. Replace big cabinets with smaller ones to make it look spacious and safe. Re-arrange the furniture, and choose an enticing bedding. Open your closet (leave a few stuff like shoes, clothes, and bags) to show the capacity. Choose a neutral-color for the wall decor and a well-designed lamp shade to promote relaxation and sleep.

Talent. @sitamontgomeryinteriors

Whether you have an old-fashioned or a modern bathroom, it has to be clean and have everything necessary inside it. Remove any foul odor and keep it well-ventilated by opening a small window. Everything that you will use for the presentation should be white clean and spotless. 


Create an outdoor area that will entice people to stay. Try adding furniture like chairs and a small table that’s eye-catching or other knick knacks like flower vases. Choose the best rugs and carpets that suit everyone.


And think according to the season: hype up your designs by creating a style that fits summer, autumn, winter, and spring.


Pricing it right is one of the best decisions you need to make when selling your house. Cutting off two to five percent versus the original price is one thing you can consider if time is an issue. You will get a lot of potential clients and get to sell your house in no time! Hiring the best agent is something you need as well.  Make sure to check their background, credibility, reputation, and knowledge.  Also, make sure that you hire an Agent that’s very skilled and updated with the latest technology and has a social media account. You can check us out here.

These are just some of the things you can consider in selling your house in no time. Just remember to be smart and have fun. Good luck and be sure to contact us if you need more help!

8 Worst Foods to Eat

Hi, everyone! As advocates of physical health, we believe that a big part of achieving this is by having and maintaining a healthy diet.  Ideally, this should not just be a way to lose weight but should be a lifestyle as well. In effect, you will have a more positive outlook in life when done together with proper exercise. Previously we talked about the 5 worst ways to lose weight. Now, we will tell you about the 8 worst foods to eat.

  1. Margarine

In the past years, margarine has been advertised as a better choice than butter. However, margarine contains trans fat. This is the worst kind of fat that you can consume because it raises your LDL (bad cholesterol) levels and lowers your HDL (good cholesterol) levels, according to Harvard Health. Luckily, choosing your spread wisely is easier now because the FDA requires complete disclosure of information about these unhealthy fats on nutrition labels.


Healthier alternatives for margarine are olive oil or other spreads made with vegetable oil. These contain monounsaturated and polyunsaturated fats that help lower bad cholesterol levels in the body.

  1. Soda

Drinking soda is like drinking liquid sugar because it has so much fructose syrup. It also contains food dyes, preservatives and brominated vegetable oil (BVO). Over time, high amounts of BVO can build up in the body and cause toxic effects, stated by WebMD. BVO is a component in soda that keeps all the ingredients from splitting and keeps plastics flame retardant.


If you are a fan of flavored drinks, a way to quit and give up soda is by having fruit-infused water instead. This adds a sweeter taste to the water if you find it bland, plus it’s packed with vitamins and minerals from the fruits.

  1. Doughnuts

Doughnuts are undeniably yummy, but they “contain the unholy trinity of unhealthy ingredients”, as quoted from Reader’s Digest. This consists of trans fat, sugar, and refined flour, making doughnuts high in fats, calories, and carbs. Deep-fried doughnuts are even worse because they can increase weight-gain rapidly.


Equally delicious but healthier alternatives are whole-grain baked doughnuts or cinnamon toast. Mayoclinic explains that these have more fiber, which helps lower cholesterol levels and the risk of heart disease.

  1. Potato chips

Despite being made from a vegetable, potato chips are unhealthy because they are deep-fried. The oil used to cook these contain saturated fats and trans fats. Also, it’s uncommonly known that these chips contain a carcinogen called acrylamide. It is a chemical that is formed when foods are fried or baked at a high temperature. According to Time, potato chips have the highest concentrations of acrylamide compared to other foods.


Better options are dehydrated fruits or vegetables. These will also have the crunch that the chips have, but will not have the unhealthy fats and carcinogenic acrylamide. If you don’t have a dehydrator, you can bake them at the lowest temperature until they are crisp enough to your preference.

  1. Processed Meat

Most processed meats are preserved by smoking, curing and salting. These contain a lot of salt and chemical preservatives to prolong its life and avoid spoilage. Sadly, these are linked to a higher risk of colorectal cancer, based on a BBC report.


A better choice than processed meat is roasted chicken breast because it doesn’t contain the chemicals that the meats have, yet contains the protein that your body needs.

  1. Bagels

The main issue with bagels is the refined flour. This kind of flour is unhealthy because it had gone through many stages of processing that the fiber and nutrients are lost, according to WebMD. In addition, bagels are so dense and compact that its caloric content is equivalent to roughly five slices of white bread.


Instead of eating a bagel, choose a multigrain alternative or whole-grain English muffins. This will offer the right amount of starch you need for one meal. Make it even more delicious with cottage cheese or a nut butter!

  1. Microwavable popcorn

What makes popcorn a bad food choice is the amount of butter and oil used to cook it. What’s even worse is butter-flavored microwave popcorn because the flavor is artificial. It comes from chemicals and a butter-flavoring called diacetyl. A report from CBSNews states that this chemical has respiratory risks and a link to Alzheimer’s disease.


It is better to munch on trail mix instead of popcorn. You can even customize it to your preferred nuts, fruits, and seeds.  My favorite trail mix combination is made of cashews, macadamias, almonds and dried cranberries.

  1. Sugary cereals

Sugary cereals are awful to eat for breakfast. It is unhealthy because it contains a lot of sugar, refined carbs, and empty calories. It can spike up your insulin levels, then after a few hours, your blood sugar will rapidly decrease that you will crave for another sugary meal, stated by Reader’s Digest.


One alternative to sugary cereals is oatmeal. You can soak it overnight in milk with apples, mango, banana, nuts, chia seeds, and honey to have a hearty breakfast.

There are so many unhealthy foods today, that choosing to eat healthy can feel like an extra task. We have gotten used to the convenience of these bad foods because they are easily available. Carefully screening and consciously knowing what unhealthy foods are can help you make the right food choices.  Just remember, that being healthy and fit is a lifestyle. So, if you’d like to make the big change, contact us and send us a message!

San Antonio: A Place to Begin a New Life

With all the economical, political and social issues, have you ever thought of moving to a new place to begin a new life? Well, it might be a  bit stressful because of all the change, moving furniture, new jobs, neighborhood and others things yet, it might still be a good idea for some who seek for a place to live happy and contented. Being a real estate office has its pros, we’ve been living in San Antonio for quite some now and I am very happy that I chose the best place for my family. Why is San Antonio a place to to begin a new life? Let me share some of things good-to-know about my home.


According to US NEWS, San Antonio ranks as the 23rd best place to live in the USA because of its big-amenities, world-renowned attractions, and warm welcoming feeling. It might be an old city for some, with its Spanish and Old West atmosphere it still has its charm. The citizens are making sure that they’re on the same wavelength when it comes to innovation and technology. Check out San Antonio’s scorecard poll answered by citizens.



People today look for houses that can fit their need, within their budget and match their taste. San Antonio cost of living is lower than the national average. People say it is a big city without the big city feels and count this one fact in. Studies show, that a normal household cost in San Antonio is $178,408.00 versus the national average amounting to $211,731.00 and renters spent about $1000 in a month. With this being said, say goodbye to the sleepless night and unappreciated overtime.


If you are a student or an employee who wants to find a better job then San Antonio is the best place for you. There are big universities in San Antonio that can teach students to be innovative with the use of latest technology and produces future scientists that can bring a change to the world. Jobs are plentiful as well since the city is massively growing due to migrants moving to San Antonio for a peaceful city-feels living.


The tourist attraction in San Antonio is magnificent, aside from its historical places, it also has lots of nature attraction that are well-maintained. So, if you’re feeling down and need a place of solitude, you can just walk your way to a place that can give you peace and happiness without any effort! Check out  Smart Destinations for more information about some of the best place in San Antonio.


People in San Antonio never fails to say hello even to people they meet the first time. They always make sure that you get all the help you need as a newcomer. Lots of military retirees stay in San Antonio because of the government’s medical support, affordable living, veteran benefits, and place to be recognized. With all the military retirees, who can think how dangerous living in San Antonio is? No one.

These are just some of the things I can tell you about San Antonio, there are still a lot of good stuff you need to know about. Welcome to San Antonio!


Things You Need to Understand About Self-Defense

Self-Defense is something that you need every day. According to Findlaw self-defense means the right to prevent suffering force or violence with enough level of counteracting force or violence. But it doesn’t mean you can just hit people just because they’re not treating you right. Self-defense is different from hitting without a proper approach. It may sound simple, but it’s really a lot more complex and has some considerations you need to aware of, remember, “Fighting is hard but hurting is easy.” Let me give you a short rundown of the things you need to understand about self-defense.

1.Self-Defense is Legal. Protecting yourself is the utmost thing you need to put in your mind when you are in danger. You will not be in jail if you practice self-defense to save yourself but it needs to be within the law’s jurisdiction. There’s this you call Stand Your Ground Laws, this clears any confusion on when a person can practice self-defense. It’s a law that states that you need to attempt to retreat first under legal circumstances before you do self-defense.

2.Self-Defense means using your mind and body to protect you or a loved one. Self-Defense means doing everything you can do to protect yourself from imminent danger, but that doesn’t mean you can just keep on fighting without thinking or use your wits with your fist. Think of what you can do to land a direct hit that can open an opportunity to save yourself or a loved-one, and then run. It’s never a bad thing to run, plus you never know what can happen next.

3.Self-Defense requires Proper Training. You can’t expect to go Jackie Chan all over to someone who’s a threat to your safety the first time. Fitting in a few minutes or hours in a week of your schedule for self-defense classes can literally save your or a person’s life. Learning realistic techniques is necessary, training classes can teach you to carry out effective techniques even though they’re not the state-of-the-art kicks like what you see on the TV.

4.Self-Defense has three components. There are a lot of self-defense components, but according to Sammy Franco, you just need to know three, these are the physical, intellectual and psychological component. Physical components involve different fighting strategies; intellectual includes proper recognition of criminals or possible threat and street smart thinking. And psychological aspect that tells how you acknowledge that there are many criminal threats across the globe, and you need to be well-equipped to save your life or your loved-ones.

5.Self-Defense is for ALL. Regardless of the age, gender, capability, and resources, self-defense is for all. These include children, women, elderly and people with a disability. Criminals focus on the weak and don’t choose people who they think can outrun them, of course, they eye for people who they think are weak and incapable. You can visit to know more about on how to improve your improve your kid’s self-defense and elderly self-defense tips.

It is also necessary to keep personal security products with you always like pepper spray or stunt guns. These are just little things you can put in your most accessible pocket. Check out damsel in defense for quality and affordable security product on the go. So, remember everything, take heart and be strong! Always take care and be safe!

7 Ways To Improve Your Kid’s Self Defense Skills

Hi, everyone! We’re Team Peace and we want to talk to you about something important. It is important to protect our children from street crimes such as assaults, muggings and any sort of violence directed at kids. We have children of our own and we work at teaching them to be street smart and have equipped them with basic self-defense skills. Today this is more important as crime rates soar everywhere. Let us discuss 7 ways to do this:

1. Don’t go with any stranger – This should be a rule. No matter what the stranger says, or even if the stranger has a puppy or ice cream, remind your kids that they are not to decide IF they should go with the stranger. The rule is to NEVER go with a stranger.

2. Have a Family Code Word – This is in the case of emergencies and someone else needs to get the kids from school or practice. There is one safeword that the kids should ask to prove that you sent this person to get them. ONLY then are they allowed to go with whoever that is.

3. Stay away from adults asking for help – This is because adults would not ask children for help, this is most likely a ploy to abduct the child. No matter if the person asking for help is on crutches or old or has a cute kitten. Train your kids to get another adult to help the person asking for help, and not help directly.

4. Stay out of reach of vehicles – This is to avoid being abducted or snatched into a vehicle. Staying two to three steps away from a vehicle is enough if one slows down to ask for directions. And remind them to NEVER get into a car with a stranger no matter what the weather is, especially if the person does not have the Family Code Word.

5. Avoid labels – This means no labels on clothes, bags, lunch boxes, thermos, etc. If your kid has their name in plain sight then a predator might use this knowledge to gain their trust. Keep labels inside bags or on the inner tags of clothing instead.

6. Have a plan – This is for when you get separated at events, or the mall or anywhere. Tell your child to find a policeman, security guard, a mother with kids and say they are lost. Make sure they know their full name, address, YOUR full name and phone number.

7. Practice scenarios – This is to instill all the rules in them until they become reflexes. Role playing different dangerous scenarios will also heighten their instinct so that they will have a better chance if the scenario happens in real life.


NBC News tells us here are precautions you can take as a parent and caregiver and information and skills you can teach your child to prevent an abduction. We need to raise street smart kids in these dark times. The time you spend teaching your kids street smarts will increase their chances of staying safe should they ever be in a dangerous situation reminds The Spruce. We hope the tips we shared above can help arm your child against threats in society. Do you have any other tips? Feel free to share them in the comments section below!

5 Worst Ways to Lose Weight

Hi, I’m Kacey and I am a fitness advocate. I am part of Beachbody and we believe that killing your workouts and eating healthy meals are crucial components of healthy, sustainable weight loss. But there are some people who have a hard time reaching their desired weight and resort to unhealthy practices in losing weight. “What practices are those?” you may ask, well let me list the top 5:


1. Skipping Your Meals – Muscle For Life says that many starvation diets have you eating anywhere from 30-50% of the energy you burn daily, and these qualify as severe caloric restrictions. This is bad because most of the weight lost is water weight which is lost and returned very quickly. Skipping meals also cause muscle loss, slow metabolism, bone density loss and other similar diseases. Plus, when we restrict ourselves from eating, we get mood swings and are more prone to depression and anger. No one wants to be “hangry” for sure!


2. Removing an Entire Food Group – This means removing either all carbohydrates or all protein from your diet. This removes valuable nutrients from your diet as well, like folate and iron. The best thing would be to choose what you eat wisely. Choose complex carbohydrates over sugar-filled simple carbs for example. Fat-loss Review Center advises consulting a dietician first to determine the best way to replace the protein and other nutrients contained in meat, if you really want to eliminate meat from your diet.


3. Laxatives – Excessive use of laxatives in the form of pills, powders, suppositories, and teas in order to lose weight is not a new concept shares Dr. Axe. This is one of the popular forms of diet today with hundreds of brands selling weight loss teas, powders, etc. But this is dangerous to our digestive system as this causes weakness in the abdominal lining and other digestive problems.


4.Working Out Too Much – While it is true that you burn more calories when you work out for longer periods of time, this extended workout hours will also cause you to eat more. Then all your hard work exercising will be reversed. Eat This, Not That advises to cut yourself off after an hour or two to ensure you’re able to control your hunger.


5. Fasting Before a Workout – You may think this makes you thinner faster but the opposite happens. When you don’t eat before a workout, your body burns the fats in your body alright. When you burn fat rapidly, your body begins to adjust your metabolism to compensate for that loss says Lifehacker. This then pushes your body into survival mode and burns fewer calories to “save” you. And in your next meal, your cells will store more fat to counter what you lost. This makes your fasting moot.


To lose weight, make it a goal and follow the SMART method, according to Beachbody.
The goal, weight loss, should be sustainable, measurable, attainable, realistic, and have a set time frame. Remember that balanced meals and exercise are the way to go and not the latest diet fads which work only on others and not everyone. Patience, discipline, and hard work are your friends on the road to creating a healthier you.

If you need help or motivation, you can comment below and I will be sure to respond. You can look me up on Facebook and send a message there. Feel free to check my Instagram for workouts to follow as well!

8 Quick Tips For Millennial Homebuyers

Hello, Millennials! This is Kacey and Gerald Peace and we want to help you buy your dream home. We know that members of the Millennial generation, those in the 18-34 age range, have been slow to enter the home buying market confirms the National Association of Realtors. There are student loan debts, high unemployment rates, tight credit and a different view on home ownership to think about. Most millennials prefer renting to buying a house but slowly, there are those who are becoming more inclined to buy their dream home. What are some important things to consider for millennial homebuyers? Read on to find out!


1. Credit score is key

Real estate is expensive and investing is not something that is done haphazardly. One of the biggest steps in buying a home is getting a good credit score from a lender. Redfin says that fortunately when it comes to hard money loans, your credit score isn’t as important as it may be if you were applying for a traditional loan. Hard money lenders are those that look at the property value before giving a loan. For traditional loans, having debts paid off will earn a solid credit score that you can use to secure investment money.

2. Research, research, research!

Research the property you are targeting to buy. Research your price range and check out online what properties fall into your budget before going out to see them in person. Research the neighborhood and the real estate market in the city you’re interested in to see if the price of the house you want is a good price or if you’re being stiffed. Research public transportation, shops, schools, crime rate, fault lines, and other important factors.

3. Find out all the costs involved

Forbes states that you don’t just consider a home’s price—owning real estate means factoring in insurance, closing costs, homeowner’s fees, home maintenance, utility payments and other numbers that can quickly add up. Getting your dream home means getting to know the hidden fees that may wreak havoc on your budget. You should have a realistic idea of what you can afford and look not just at the price of the house but the whole package. Ask lots of questions and learn as much as you can about the house you want before making any decisions.

4. Choose a big downpayment.

The minimum amount you’ll want to consider putting down is 20% in order to avoid paying private mortgage insurance cautions Forbes. Remember that the bigger the down payment made, the less of a risk you are to lenders. This may lead to a bigger loan and you’ll be able to afford a wider range of houses. Plus, a bigger down payment means there will be less to pay off down the road.

5. Save, save, save!

Having proof of savings will not only impress a lender but will help in adding to your house-buying budget. Successful investors start saving a certain amount from each paycheck that stays tucked away until their first purchase shares Redfin. Be sure to invest for the future, since buying a house is a big chunk of your savings gone, make sure to keep some emergency and daily expenses funds. Another wise move would be to buy smart, buy only what you need and not what is the hype.

6. Get a great realtor

Start networking and consult an expert or experts. It is so, so important to work as a team with a skilled local lender and a well-connected, experienced Realtor reminds HomeCity. Get online and see who are the top realtors in the area you’re interested in and contact a few of them. Meet with them and discuss what you’re looking for and pick the one who has the same point of view as you do. It is better to have the help of someone who knows the ins and outs of the real estate market when you’re buying your first home.

7. Follow your heart AND mind

This will be YOUR home. The place you will spend most of your days in. Don’t doubt yourself when choosing from a list of houses that your realtor will give. They will all surely fit your budget and lifestyle since you discussed those details, what you need to decide for yourself is what house will be your HOME.

8. Choose wisely

I know we said to follow your heart and mind but it’s too easy to base your decisions on your heart instead of your head, especially when it comes to real estate. A perfect looking house from the outside may need tons of repair on the inside. Get an inspector to help decide how much you will need to spend on the maintenance and repairs. ask your realtor’s advice on the best one for you, most likely these answers will be helpful in making that leap from renter to owner.


Inman says that according to Forbes Magazine, Millennials currently account for about a third of all recent new home purchases; their impact on the market is only expected to skyrocket in the next decade, reaching a tipping point in 2018. I hope future millennial homebuyer will see these tips as helpful. If you have any questions that we didn’t cover in this post, feel free to leave a comment below or to contact Gerald or Kacey. Here’s to buying your dream home!


How To Make Home Buying Effortless: 3 Tips For The Smart Home Buyer

We at Team Peace both work in the real estate industry and we wanted to share some tips with all the people out there who are thinking of taking the plunge and buying a house. Buying a house can sometimes be a daunting task and some buyers just go with the fist house they see because it fits the budget even though they don’t fall in love with it, OR they see a house they love and is out of their price range so they just continue to rent instead. We want you guys to be able to check out houses that are in your price range AND that you really want to live in. Here are 3 important tips from us:


Be organized.

Research, research, research! Buying a home can be an overwhelming process and emotionally draining according to The Balance, they say that buyers should schedule a maximum of 7 homes at a time because any more than that will make a buyer’s head spin. Then get all of your important documents in order and ready to go for when the underwriter asks for them.  Make sure you can easily access your pay statements, tax records, and anything else the lender might want to know about.  Also, clear up any debt problems you know you have.  This will save you a huge amount of time and start looking at or to find out what people are asking for the house you’d like to live in.



Before you start shopping, it’s important to get an idea of how much a lender will actually be willing to give you to purchase your first home reminds Investopedia. Talk to a Lender and get Pre-Qualified well before you are actually ready to buy. A credit score says CNN Money, is a number calculated from a formula created by Fair Isaac based on the information in your credit report; you have three different credit scores, one for each of your credit reports.  The lender will happily help you work on your credit and cite the things you need to do to get yourself in a position to buy with a decent credit score.  They will also know the actions you need to take that will have the greatest effect on your credit score in the smallest amount of time.  I’ve seen credit scores jump by 40+ points in a matter of two months!  It really depends on your situation, and the lender is going to be able to help you with that.  If you didn’t qualify for the houses you were eyeing from Step 1; then see if there are any houses within your price range that the lender gave you.  If you can’t find a good lender then skip to Step 3.

FREE TOOL: To get a sense of where your credit stands, go to myBankrate to collect your credit report and score today, free and with no obligation.


Find a Realtor.

If you can’t find a lender on your own, then a realtor is likely to have a list of lenders that they prefer to work with that can ensure the deal will close.  Select an agent carefully and prepare questions in advance of a meeting warns Macquarie. They further advise to find out what kind of experience the agent has, how many buyers they are representing and if they can share any references.  It’s not all about the connections though.  Make sure you find a realtor that makes time for you and doesn’t enforce a policy of ‘I show you three houses, pick one.’  You are the customer and they should be happy to help you, not the other way around.  Your Realtor will also be able to help you in finding what types of houses you can afford at a certain price point within your area.  This is why the second step is so critical.  If you don’t like anything in your price point, then go back to step two and improve your credit score even more so you can afford a better loan with a better rate; after that, come back to step three.


Don’t forget Team Peace!

Remember, buying a house is a very emotional process. Fox Business shares that a good way to cope with the stress of home-buying is to make a checklist of your must-haves, nice-to-haves and other essentials and every time you visit a house, take the checklist along with you; take photographs so you can cross each item off your list. If you fall in love with the house and your checklist shows that the house has none of your must-haves, that will give you cause to check out another house. We at Team Peace are ready and willing to help you find the house of your dreams, you can reach us here or at out Century 21 pages. Click here for Kacey and here for Gerald.