Day: May 2, 2019

Selecting a Painting Contractor For Your Home Makeover

So you’ve decided it’s finally time to give your home a good makeover? Before you run around deciding which furniture to toss out on the lawn, take a look at these tips when it comes to choosing a contractor to paint your house. When you select a painting contractor, you should proceed with your plans using a little bit of sensible caution. Check out painting contractor for more info.

Visit the contractors website and/or place of business. Most businesses are online these days and painters are no exception. This can provide you with plenty of useful information about any potential painter you are looking at. While it is the information they want you to know, it is useful to help you understand what services the contractor provides and how long their business has been operating. Their website and place of business can also help to show you their level of professionalism.

Learn to spot dodgy painting contractors. When your painting contractor wants to be paid in cash only, has a cell phone but no office phone and doesn’t have a business address – these are real red flags. An established painting contractor acts like any other business, with a stable business address, business cards and accepting other forms of payment such as checks. Be very cautious if a painting contractor offers some sort of special discount “for families” or “for seniors” when paid by cash – and they demand advance payment. Look at these as bright red flags.

Check with the Better Business Bureau. Once you locate a painting contractor it is a very good idea to contact your local Better Business Bureau. Ask if there have been any complaints made about the painting contractor in question and whether they have any further information that may help you. The painting contractor could be a member of the Better Business Bureau and if so they will tell you what year the contractors membership began. The Better Business Bureau offers this as a free service and you can call with any company you’d like information about.

Confirm that the contractor has appropriate insurance. Every legitimate painting contractor should have the proper insurance (this will vary from state to state and county to county). This information will probably be listed on their business card, along with their license number, so if you wanted to call and confirm that their business license is active, you can do so. A contractor without proper insurance is a big red flag – and you should find a new contractor as quickly as possible. If no information is provided about insurance, ask the contractor immediately if they have the proper insurance they need by law.

Ask for a solid estimate of how long the job is going to take. Many people will likely think about doing this anyway as they start looking for painting contractors – but it is useful to gauge their responses. It is better to work with a painting contractor who informs you that the job will take a slightly longer if they explain why (it needs more manpower, extra time, etc.). This is preferable to someone who promises that the job will be done in 7 days and then still hasn’t finished a month later. Request in writing, confirmation that the job will be complete within a set time frame – most painting contractors will be happy to comply.

Ask for job references from the painting contractor. This is a crucial step that many homeowners seem to pay no attention to. Acquiring references is very important if you are thinking of hiring a contractor to work on your home. Contact each reference provided to you and ask them about their experiences working with the contractor. You’ll gain valuable information you couldn’t get anywhere else. This alone can help you make a wise decision when it comes to selecting the best painting contractor for your home renovation project.

Hiring Your Mortgage Lender Columbus

Hiring a good mortgage lender can make buying a house a pleasant and smooth deal, while using the wrong one can even result in you losing your dream home. There are several things to consider before signing on a lender to ensure positive results.Mortgage Lender Columbus is an excellent resource for this.

Image result for Mortgage

Functions of a mortgage lender
It is the job of mortgage lenders to find good interest rates and lock it in for you. They are also responsible for closing the deal on a house in time. Once a house is bid for, there is usually a time frame within which the deal needs to be closed. A lender charges a bunch of different fees, like closing fees and administrative fees for instance. Because these are determined by him, it is also is his hands to do away with any of them, which can save you a lot of money.

Considerations while hiring a mortgage lender
– Terms and conditions: The terms and conditions put forth by the lender should be simple and easy to understand. They should not be highly technical, which can confuse the borrower. Although some parts of the agreement will have to be technical, the lender should explain these to you in person. A mortgage lender who is sugar coating details and proving vague, sketchy answers should be reconsidered. They should be clear about all the terms and conditions and should not leave any matters unaddressed.

– Low interest rates: The interest rate is the amount that will be added to the mortgage balance every month, until the loan in completely repaid. Having an interest rate that is high can prove very expensive eventually. It is important to look around and find the lowest interest rate that will end up saving a lot of money eventually and also be lighter on your pocket every month.

– Lender reviews: It is important to perform sufficient research on your lender. Other client’s reviews can give useful insights. The local chamber of commerce or other such bodies can be approached to find out if any complaints have been lodged against your lender. Friends and relatives can also be approached for a second opinion.

– Low fees: Mortgages can involve a lot of different kinds of fees. The most common ones are the opening and closing fees. If you can get a mortgage lender who does not charge some of these fees, it can add up to a lot of money being saved. It is important to discuss all fees and any lenders who are unclear about their fees should be avoided.

– Types of mortgages: There are various types of mortgages in the market. It is important to get a good understanding of all the different types before settling for one. Apart for taking advice from your lender, you should research these types on your own as well. Some of the types of mortgages are interest-only mortgages, variable interest mortgages and balloon mortgages. You should make sure you trust your mortgage lender before relying completely on his advice if you plan on doing so at all.