Five must have accessories to decorate your home.


 With interests rates still low, many people are realizing NOW is the time to buy rather than rent. So once you have your new home, the thought hits you that you need to decorate it. Here are the top 5 must have accessories to decorate your space. Whether new or redecorating, these accessories will bring a new feel to any room.
These accessories can be purchased from any store or for those of you that are watching your budgets be sure to check out your local second-hand stores, thrift stores or Goodwill. What one person thinks is junk; is another persons treasure.

1.) Mirrors~ a mirror will compliment any rooms decor and add light accents.

2.) Books~ add a 2-3 books to an end table. Books can be covered in decorative papers or fabrics to fit your lifestyle or personality.

3.) Nature items~ be sure to look outside your windows or while you are out on a walk for items that will compliment your home. Flowers, twigs or maybe even an old birds nest that has fallen out of a tree.

4.) Silver frames~ rather than have all your frames in different colors or styles, use silver ones to give your home clean lines. You can also change out the silvers around the home to mix up the styles every so months for different looks.

5.) Original art work or sculptures~ when your kids bring home their artwork from school, don’t put it in a drawer, put it in a silver frame and hang it on the wall or on a table. Not everything need be a Picasso or cost thousands of dollars for it to be considered art.

Remember, your home is representation of you and your lifestyle. Make it comfy for you to live in and enjoyable for your guests to come to.

THE SPIRITS TO MOVE is here to help you reach your goal of a stylish & beautiful place to live.

Short Sale or Foreclosure, What Should “I” Do?


TV, newspaper, internet wherever you turn you are hearing about this topic everywhere.  Those facing a short sale or foreclosure know it can be very stressful and often wonder where to turn.  I am here to tell you that “YES” it can be stressful, but once you have spoken with a qualified person that can give you direction, answer your questions and help you to make those first steps, this stressful feeling will subside and you will wonder why you waited so long to ask the question.  What most people don’t know right now, if you were to start asking around, you would be surprised at how many people are in the same situation you are in.  Why are we so afraid to talk with each other about our difficulties…remember when the teacher always said to us, the only stupid question is the one that was not asked?  Shouldn’t that apply in this situation also?

The worst thing you could have to tell your spouse or partner is that you may be on the verge of loosing your home.  Now what, how long will the process take, where do we go from here & most impotantly…where will we live & how long with this affect our credit scores.  These are more than just scary thought.  Depending on the action you have to take; short sale vs. foreclosure both will impact your credit scores but in two very different ways.

Short Sale: May stay on your record for 3-4 years.  How it affects your credit score is based on each situation individually as each of our credit scores are different to begin with.  After the appropriate number of years, you may see this come off your credit report.  If you have a second mortgage, this lender has up to 7 years to come after you for the deficient amount owed on that loan even once the home is sold.

Foreclosure: This will stay on your credit report FOREVER! It may affect the terms of any loan or credit card you try to obtain in the future. 

Neither of these procedures should be taken lightly, however, working with a qualified real estate agent will help guide you through the process and be able to direct you to the correct persons that you may need to speak with in order to make the correct decision for you.  When speaking with a Real Estate agent about how you should proceed, it is important to know that this person can not ethically give you any legal or financial advise on the decision you might need to make.  It is always in your best interest to speak with the appropriate persons for direction in these matters.  Your Real Estate agent should also not pressure you to make any impulse decisions on what you want to do.  Since this decision is going to affect you for many years if not a lifetime, take the time to make the decisions that feel best for you, your spouse and most definitely your family.

The other thing to remember is each situation is different and how the bank works with your agent will be different in each case.  So if you see an agent promoting themselves as an experienced or expert in either of these situations, remember that these designations are self-proclaimed and there is NO government or agency that gives these titles to an agent.

THE SPIRITS TO MOVE are here to assist you in all your real estate needs & questions.  Leave us a question if you have one and we will get back with a private response to you.  We are here to help move you in a professional & confidential manner.