Home Safety Tips for Holiday Lights

5 Home Safety Tips for Holiday Lights

Out with the old: Inspect old lights that have been sitting in storage for the past year and get rid of any with frayed cords or loose connections. Always remember to unplug the lights before you try to replace any bulbs.

One is enough: Make sure to use the correct length of extension cords and not to connect multiple ones together.

Exterior Lights: If you are hanging lights outdoors, make sure to keep electrical connectors off the ground and away from any rain gutters, especially the metal ones! You can use plastic clips instead of metal nails to hold your lights in place.

Rush Hour: During the holiday season, electricity rush hour is also right after work, be sure to turn on your lights after 7pm to avoid the surge. Using a timer helps.

Sleep tight: To avoid fire hazards, turn off holiday lights when you leave the house unattended or when going to bed.

Home Winterization Checklist

Now that the colder weather seems to be here to stay, use this checklist to help keep your home warm this winter.

House Interior
o Check and apply caulk or weather stripping to drafty doors
o Get furnace serviced
o Get chimney swept
o Replace furnace filter
o Check smoke and carbon monoxide detectors
o Reverse ceiling fans so blades are turning clockwise
o Flush hot water heather
o Set thermostat for winter
o Close vents in unused rooms
o Check attic for at least 12 inches of insulation
o Protect window wells with plastic shields

House Exterior
o Clear away debris from downspouts
o Check outdoor lighting and replace bulbs
o Clean gutters
o Check vents and opening
o Split and stack firewood
o Clean debris from roof
o Inspect roof and fixe damage
o Rake away debris from around foundation
o Check heating fuel level and refill
o Buy ice melt and sand
o Move sensitive potted plants indoors
o Install exterior faucet covers

BIG USDA NEWS!!

usda2

Attention Agents!!!!

You read that right….6 DAY TURN AROUND TIME ON ALL USDA LOANS!!! That means we can get your USDA loans closed FAST!

Call us today! 770.924.1111

Is USDA right for you?

USDA

Looking to buy a home in Georgia but don’t have a down payment, you may want to look into a USDA loan. A USDA loan, also known as a Rural Development Loan, is a government insured home loan that allows qualified home buyers to purchase a home with NO Money Down. USDA Home Loans offer 100% financing to qualified buyers, and allow for all closing costs to be either paid for by the seller or financed into the loan. USDA offers some the lowest rates of any loan product, and you will always have a fixed interest rate.

Am I Eligible for a USDA Loan?

There are 3 main factors that need to be determined…

Credit Worthiness:
When an underwriter reviews your credit history, the major thing they will be looking for is a history of paying your bills in a timely
fashion. If you have had blemishes in the past they may be overlooked as long as you have reestablished your credit over the past 12 months.
Generally, any open judgments or collections will need to be paid off before you close on your new home but every situation is different so on occasion there can be some flexibility when it comes to smaller collections and medical collections.

USDA Loan Income Restrictions:
USDA loans are full doc loans, meaning that you will be required to fully document your income. USDA will generally want to see a two year history of employment or consistent income. Exceptions on the two year requirement can be made for applicants such as students. On a USDA Loan Assets are not required for approval, but can certainly help overcome any possible blemishes on credit.

Where You Want Live:
In order to qualify for a USDA Loan your home must be located in a designated USDA rural area. It might surprise you just how many areas of the Georgia do qualify for these 100% financing home loans. In fact most the majority of Counties in Georgia are either 100% eligible for USDA loans, or have areas within them that are eligible. To learn more about USDA Home Loans and how to take advantage of this great program, call the USDA Loan Experts at Mortgage Solutions of Georgia for a free credit consultation. 770.924.1111