Creating a Landscape Feature Out of Your PondCreating a Landscape Feature Out of Your Pond

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Creating a Landscape Feature Out of Your Pond

When I first bought my home, I was unsure about the man-made pond in the backyard. The water was green and there was no wildlife to be seen. I decided to work with the water feature instead of spending money on fill materials to get rid of the pond. I added a water fountain to the space first that featured a submersible pump and I later added fish. After installing a filtration system and an aeration device, my pond became the central landscaping feature on my property. I made a lot of mistakes as I completed the installations. I had to learn about the biological filtration and I had to figure out how to control algae with shade plants. I want you to have an easier time than I did creating a water feature, so read my blog to find out what you need to do.


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3 Tips For Re-Entering The Housing Market After Foreclosure

Re-entering the real estate market following a foreclosure is possible but challenging. In addition to going through the normal home buying process, lenders could ask you to take additional steps to prove you are ready to take on a mortgage loan again. If you are thinking of re-entering the real estate market, here are some preparation tips that could make it easier.  

Start Saving Now

Homebuyers with good credit ratings need a good deposit. Lenders might require you to have a great deposit. A large deposit helps you in your attempt to buy a new home in several ways.  

For instance, a benefit of a large deposit is that it shows creditors you are serious. Lenders need to believe that you are a low risk for defaulting on this loan. With a foreclosure in your past, simply meeting the lowest standard for a deposit might not be enough.  

If you are having trouble with putting away the funds needed, contact a housing counselor. The counselor can help you create a budget and connect you with resources that you can use to make the saving process easier.  

Watch Out for Predatory Lenders

Predatory lenders played a significant role in the housing crisis a while back. Although some of the offers from the lenders are attractive, you could end up losing your home again if you are unable to meet the agreed upon payments. To avoid this, it is imperative that you avoid predatory lenders.  

You can work with a housing counselor or real estate attorney to ensure that the offers you are getting are fair and reasonable. If you are unsure whether or not the deal you are getting is fair, do not sign the agreement until you can have a professional review the documentation with you.  

Avoid Applying for Other Loans

Your debt-to-income ratio dictates how much available credit you have. If you make the mistake of applying for a loan while waiting to be approved for a mortgage loan, your chances of getting approved for a home could significantly drop.  

If you are thinking of applying for a loan or line of credit, carefully consider if it is necessary. Even a small purchase, such as furniture, could have a bearing on the likelihood that you get a home loan.  

Talk to your real estate agent about other ways you can ensure you get financing for your next home. An agent knows the market and is aware of the special challenges that foreclosure can present.