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You Don’t Need Perfect Credit To Buy A Home

You Don’t Need Perfect Credit Score To Buy Your Home!

Are you on the fence deciding whether you should rent or buy your home?

Are you worried you credit score will be a major factor?

Don’t Worry! 

All you need is a Chantel Ray Real Estate Agent!

We can help you purchase a home with a credit score AS LOW AS 580!

Yes, 580!

Don’t let your credit history keep you from being a homeowner.

What score’s you need by mortgage type:

  • FHA Loan: 580+ credit score
  • VA Loan: 620+ credit score
  • FHA 203K Loan: 620+ credit score
  • Conventional Loan: 620+ credit score
  • USDA Loan: 640+ credit score

Click Here To Contact Us Today To Find Out More On Credit Scores!

Click Here To View Homes Starting at $200,000 in Hampton Roads!


Renting Vs. Buying

Would You Like To Own A Home For Less Than Your Current Rent?!?!

Why should you own a home instead of renting?

Here’s a few reasons: 

 

  • Build Equity
  • Tax Benefits
  • No Landlord
  • Pride of Homeownership
  • More Privacy
  • Good Investment
  • Build Strong Credit
  • Ability to Remodel Or Expand Home
  • Pets Are Allowed 🙂
  • Your Own Place To Make Memories With Your Family

….Need We Say More? 🙂

Click Here To Check Out Homes In Hampton Roads That Are Less Than The Rent You’re Paying Right Now!  


 

Tips To Get Your Home Organized!

Declutter Your House Today!

We’ve created a quick guide to help you maintain a clean and organized home.

 

Let’s face it…finally tackling all the clutter in your home is not the way you would want to spend your day. However, there is no better feeling than a clean and organized home! Here are some tips to declutter every room in your house. Let’s get started!

Kitchen.

  • Clean and clear off countertops with only the main appliances you use the most.
  • Place appliances you rarely use hidden in drawers.
  • Open storage shelves are the hottest trend in kitchens but be sure to still keep that well organized!
  • Wipe/clean out fridge – Make sure to throw away any expired food and use plastic clear bins to keep fridge organized.
  • Keep Tupperware drawer nice and tidy

Bathrooms.

  • Change shower liner and curtain for a fresh start!
  • Use baskets to keep your beauty products organized in cabinets.
  • Add new shelves or drawer liners to keep your products from getting drawers dirty.
  • Clean and repair grout if needed.

Bedrooms.

  • Make bed.
  • Clean off end tables, dressers, and chests.
  • Organize closet based on the season. Donate your extra clothes or store them in bins under the bed.

Living Room.

  • Clear out stacks of magazines and books. Make sure you place them neatly stacked in bookcase.
  • Clean windows.
  • Choose only a couple home accents for decor – minimalism is the hottest trend!
  • Use different baskets to store toys/remotes/blankets, etc.

Entryway.

  • This is the first room guests see when coming into your home. Make sure all umbrellas, shoes, etc. are kept tidy.
  • Add hooks on the wall to hold your keys or jackets.

 

DIY Popcorn Ceiling Removal

IN HONOR OF NATIONAL POPCORN DAY, WE ARE GOING TO SHARE WITH YOU HOW YOU CAN HAVE A SMOOTH CEILING IN NO TIME…OR MAYBE JUST ENOUGH TIME TO EAT A BOWL OF POPCORN 😉

Tools You’ll Need:

  • large drywall scraper
  • drywall knife
  • paint roller and extension handle
  • Drop Cloth (to catch all the debris)
  • Water and Spray Bottle
  • Face Mask
  • Asbestos Test Kit
  • Popcorn…for when you’re done! (Totally optional, but who doesn’t want popcorn as a reward?!)

BEFORE YOU START:  Check for asbestos with your kit. You need to be sure!

STEP ONE: PREP THE ROOM

Remove furniture from the space, or move it to the center of the space and cover with plastic sheeting. By laying down a drop cloth and plastic sheeting, you’ll protect flooring and furnishings from dust and debris and it will be easy clean up after you’re done.

STEP TWO: SPRAY WATER ON THE CEILING

Fill a spray bottle with warm water, then spray one small section (10 square feet) of ceiling at a time. Let it sit for about 20 minutes. Don’t over saturate the popcorn coating, as it could damage the underlying drywall surface.

STEP THREE: REMOVE THE POPCORN

Slowly remove the popcorn coating from the drywall with a wide drywall scraper, working one section at a time.

STEP FOUR: TOUCH UP CEILING AND CLEAN UP

Apply drywall compound to any problem areas using a drywall knife to get a smooth skim. After applying compound, collect drop cloth and plastic sheeting and empty contents in trash. (DONT THROW AWAY. THE SHEETING WILL BE OF GOOD USE IN THE NEXT STEP). Allow drywall compound to dry overnight, then lightly sand and wipe clean with a sanding block and damp cloth.

STEP FIVE: PRIME AND PAINT!

Paint the ceiling with paint and roller with an extension attachment. Use a tinted paint that dries white to help you with the process.

STEP SIX: BASK IN ALL YOUR AWESOMENESS

Break out that popcorn, sit back and stare up at your ceiling. You’ve earned it!!

(Thanks to the DIY NETWORK on the technical steps.) 

How to PREVENT Busted Pipes!!!

 


Tips to Keep Your Pipes From Freezing This Winter


One of the biggest issues during winter are water pipes freezing and possibly bursting. Frozen pipes can be a serious problem if they do burst and — depending on the damage — can cost quite a bit to fix. Not to mention it creates a mess and leaves you without running water.

If you are new to an area where frozen pipes are an issue, keep reading.

Obviously, the best way of avoiding frozen water pipes is learning what to do to prevent it from happening in the first place. It doesn’t take much effort to insulate and prepare waterlines for freezing temps. Below you will find some helpful tips to prevent and also monitor your freezing pipe conditions.


PREVENT YOUR PIPES FROM FREEZING

  • Disconnect all gardening hoses and install covers on all outside faucets.

  • Keep your house temperature at 68 degrees or higher, even if you’re leaving the house for an extended period of time.

  • Open cabinet doors below sinks to allow heat from the home to circulate.

  • Identify the location of the main water valve and the valve on your water heater. (Learning the location of these valves may come in handy during an emergency.)

  • Wrap pipes nearest exterior walls and in crawl spaces with pipe insulation or with heating tape. This can prevent freezing, especially for interior pipes that run along outside walls.

  • Close all windows near water pipes; cover or close open-air vents. Freezing temperatures combined with wind drafts can cause pipes to freeze more frequently.

  • Heat your basement and consider weather sealing your windows.

  • Insulate outside walls and unheated areas of your home.

  • If you plan to be away from home for an extended period of time, shut off water supply valves to your washing machine.

MONITOR FREEZING PIPE CONDITIONS

  • Allow a faucet to drip slightly (lukewarm water) in order to minimize freezing.

  • The first sign of freezing is reduced water flow from a faucet.

  • Check your faucets for water flow and pressure before you go to sleep and again when you wake up.

  • Check pipes around your water meter, in unheated areas, near exterior walls and in crawl spaces. These tend to be vulnerable to freezing conditions.

  • Identify cold air drafts coming in from a flue or chimney chase and caulk gaps that are near pipes.