Haring Realty Blog
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9
How Early Is Too Early for Home Loan Pre-Approval?
When it comes to applying for a mortgage, getting pre-approved for financing and starting the credit application process should begin as early as possible. The sooner you get a jump on the process, the fewer problems you'll have when it's time to close and sign on the dotted line.
But is it possible to apply too early? Our REALTORS® know the answers, and we've put together some of our expertise to help you apply for your mortgage financing at an optimal time for your home purchase.
How Long Does Pre-Approval Take?
Before you decide how early to apply for a mortgage, we should help you understand how long the pre-approval process takes.
2
Winter Outdoor Fun Around Mansfield
The arrival of winter doesn't mean the end of all the outdoor fun in Mansfield, Ohio! Quite the opposite, in fact. Our REALTORS® are always excited to welcome the snow for all the opportunities it brings, and these are some of our favorite spots for winter fun in the Mansfield area!
- Go Tubing at Snow Trails - 3100 Possum Run Road, Mansfield, OH 44903
Skiers and snowboarders flock to Snow Trails every winter to hit the slopes, but some of the best fun for the whole family can be found at the snow tubing area. Snow tubing is pure fun, with no skill or experience necessary. The massive snowmaking system at Snow Trails ensures powdery slopes from December right through March, and tubing (including after-dark glow tubing) offers endless excitement through the winter months. Snacks and warm beverages are available at the Snow Tubing Lodge. Snow Trails is Ohio's premier destination for winter sports, and there are many Mansfield homes for sale just minutes away.
25
Everything You Need to Know About VA Loans
If you've spent even a tiny amount of time shopping around for a mortgage, then you know it's not exactly a picnic. Our REALTORS® understand that securing a home loan is easily the least fun part of the home buying process, but it's an unavoidable one.
That said, many homebuyers have a loan option they may not have considered: VA Loans. For those who qualify, a VA loan is an amazing resource, arguably much better than a conventional mortgage. So if you're looking at Mansfield homes for sale, be sure to carefully consider all your loan options.
What is a VA Loan?
VA Loans are backed by the U.S. Department of Veterans Affairs and are designed to provide a simple and affordable route to homeownership for military, veterans and their families. Since VA Loans were first offered under the Servicemen's Readjustment Act in 1944, they have helped countless current and former service members finance their homes.
18
6 Charities to Support on Giving Tuesday Dec. 3 in Mansfield
As you plan your holiday gift-giving, why not brighten the season for those less fortunate? Take part in the National Day of Giving on Tuesday, December 3 with a donation to one of these deserving charities around Mansfield suggested by our REALTORS®.
- The Shelby Foundation - 142 N. Gamble St., Suite F, Shelby 44875
Your donations to the Shelby Foundation go a long way toward building the community around Shelby homes for sale. The Foundation has a broad-based mission to support education, arts and culture, healthcare and other programs that strengthen and empower local residents of all ages. Contributions may be earmarked for specific funds or purposes of your choice. Office hours are 8 a.m. - 5 p.m. weekdays.
11
Homebuyers: Don't Drive Yourself Crazy Commuting
It's true that location matters when it comes to buying a home. A top location can offer a great school district, great amenities, convenient access to shopping, and a low crime rate. However, your commute time to work is another important factor to consider when looking for Mansfield homes for sale. It can be tempting to ignore a long commute if it would mean foregoing what is an otherwise perfect home. But will the time and cost of a long commute be worth it?
The Costs of a Long Commute
The average American commutes for approximately 25.4 minutes each way. But those in larger metropolitan areas are subject to an extremely long commute of up to 1.5 hours each way. Extreme commuters spend at least 15 hours a week on the road without getting paid for it. As the time adds up, so do your travel expenses, especially gas and car maintenance. In most cases, the savings realized by purchasing a home in a suburban area result in a higher cost overall. Adding a distant commute to your housing expenses can exceed 30% of your gross monthly income.