How to Move with Pets: 7 Tips to Make it Easy

• Start packing early
• Find pet-friendly accommodations if needed
• Set up a designated moving day space
• Get the right gear
• Make a travel plan with your current vet
• Update your pet’s microchip
• Schedule a check-up with your new vet

1. Start packing early

Pets aren’t always a fan of change. To ease the transition, it’s important to pack early and gradually. This way, your pet has time to process that something new is happening and adjust accordingly. After all, imagine if you woke up one day and all your belongings were suddenly gone with no explanation. You’d be stressed, too.

2. Find pet-friendly accommodations if needed

Depending on how far you’re moving, you may not need this step. But, if your move involves multiple days of travel or a gap between moving out and moving in, wherever you stay in the interim needs to be equipped for your pet. Beyond simply identifying as a pet-friendly hotel or house, consider all the same factors that went into choosing your new home (outdoor access, windows, etc.) when choosing temporary accommodations. You can afford to be a little less selective here since it’s not for the long term. Still, the more comfortable the move is for your pet, the sooner they’ll settle in and feel at home in the new place.

3. Set up a designated moving day space

For the sake of both your movers and your pets, a designated pet space for moving day is a must. Backyards, friends’ houses, and large crates are all options for your canine kids. Cats can be a little trickier. If they have a favorite hiding spot and it’s in a place that can be closed off from the rest of the home, consider making that their designated area. This can help minimize stress since it’s a place where you know they feel safe. Wherever you set up base, make sure your cat has food, water, and a litter box. And, of course, communicate to your movers which areas are off-limits.

Pro Tip: If you have turtles or other pets that live in their own enclosed environment, keep that enclosure out of the way and clearly marked as NOT an item for your movers to pack up.

4. Get the right gear

Unless you’re moving right across town, you’re going to need more than just a carrier to transport your pet. Your needs will vary according to your pet, but here are some common items to consider:

• Leash with harness that can be hooked to a seatbelt
• Packable food and water bowls
• Disposable litter box
• Collars with current ID tags in case your pet gets out
• Crate with puppy pads

Whatever gear you get, don’t forget to try it out with your pet leading up to the move. The more acclimated they are to their new carrier or harness, the less stressed they’ll be on moving day.

5. Make a travel plan with your current vet

Leading up to the move, consult with your vet to create a travel plan for your animal. Especially if your pet gets carsick or has anxiety, you’ll want to discuss the possibility of sedatives, anti-nausea medicines, or anxiety medicines for the trip.

Does your dog spit out pills without fail? Then a liquid dose might be better. Is your cat hopeless in the car? Then your best bet may be a sedative (in the correct dose) to help them sleep through the drive. These are the details your vet can help you nail down in the safest manner possible.

6. Update your pet’s microchip

We recommend taking care of this as soon as you’re moved out of your old place. That way, if the worst-case scenario happens and your pet gets away from you during the move, any animal shelter that takes them in can find you. This is also just one of those small but important details that tend to get forgotten during the flurry of moving, like updating your billing address or forwarding your mail. The sooner you check it off your list, the sooner you can get back to the bigger issues like unpacking.

Not sure if your pet is microchipped? If you adopted them from a shelter, microchips are typically included along with spaying/neutering. Your vet can also help you check for a microchip. Just keep in mind that microchips can’t track your pet. Their function is to store your contact information so that if your pet ends up at a shelter, the shelter staff can notify you. The average person can’t access information on the microchip, so it’s important to keep your pet’s collar tags up to date, too. If you want to track your pet, there are also plenty of GPS tracking tags available that can be added to their collar. 

7. Schedule a check-up with your new vet

Moving with pets usually entails finding a new vet. Many vet clinics have a weeks-long waitlist for new patients, so don’t put off setting up an appointment until your pet needs one. Schedule a check-up as soon as you can. This is also a good opportunity to address any of your pet’s issues that may have arisen due to the stress of travel, such as gastrointestinal problems, anxiety, or aggression.

Any other tips for how to move with pets?

When it comes to how to move with pets, there’s no single right way to go about it. The best advice we can give you is to adjust to your pet’s unique needs. And don’t forget that their biggest insecurity about moving is likely about you leaving them behind. So, make sure you give your pet some extra head scratches, belly rubs, and treats to let them know you’re not going anywhere. At least, not without them.

The more comfortable you can make your pet during your move, the sooner you can all start to feel at home in your new place.

The post How to Move with Pets: 7 Tips to Make It Easy appeared first on Cardinal Financial.

5 Easy Summer Home Improvement Ideas

• Pressure-wash exteriors
• Install screens around your back porch
• Build a tree bench
• Refinish your deck
• Build a shed

1. Pressure-wash exteriors

Over time, dirt, grime, and mildew can build up on your home’s exterior, making it look dull and dingy. Pressure washing is an easy and effective way to bring back its original shine. Here’s how to get started:

• Rent or buy a pressure washer: If you don’t own a pressure washer, you can rent one from most hardware stores. Make sure to choose the right pressure setting to avoid damaging your siding.
• Choose the right detergent: Depending on your siding material (vinyl, wood, brick, etc.), use a suitable detergent. Many pressure washers come with recommendations.
• Stay safe: Wear protective gear, including goggles and gloves. Also, be mindful of the pressure washer’s force to avoid accidents. Tempted to cool down with a quick spray? Think again.
• Master the method: Start from the top and work your way down in a smooth, sweeping motion. This prevents streaks and ensures a thorough clean.

After a good wash, your home will look almost brand new, boosting its curb appeal significantly. Plus, your exteriors will dry faster thanks to the summer sun.

2. Install screens around your back porch

Porch screens are a good investment to enjoy your back porch all year round. Not only do they provide some temperature regulation, but screened porches also reduce the amount of bugs and other pests that can invade your outdoor space. Plus, if you have indoor pets, screened porches are a great way to safely give them a taste of the outdoors. As for the screen installation, it’s simpler than you might think. This guide has everything you need to know to handle this easy outdoor DIY project.

3. Build a bench

There’s nothing like relaxing in your own yard, watching the summer sunset with a cold drink in your hands. A bench strategically placed in the shade can take your relaxation to a new level. Building a bench is fairly easy, but of course, there are plenty of ready-made options out there if you’d rather not go the DIY route. You can make your bench as simple or as complicated as you want, but some basic materials you’ll need include wood (pine is a popular choice for outdoor furniture), screws, a drill, a circular saw, and a measuring tape.

Need some bench inspo? These popular styles offer options for every DIY skill level:

• Super simple wood bench
• Bench with storage
• Arbor bench

4. Refinish your deck

A well-maintained deck is perfect for summer BBQs, gatherings, or unwinding in solitude with a good beach read. If your deck is looking a bit worse for wear, refinishing it can make a world of difference. Here’s how:

• Clean thoroughly: Remove any debris and give your deck a good scrub with a deck cleaner.
• Sand the surface: Use a power sander to smooth out any rough spots and remove old finish. This will also help the new stain adhere better.
• Apply stain: Choose a stain that suits your deck’s wood type. Apply it evenly with a brush or roller, following the grain of the wood.
• Seal the deal: Once the stain is dry, apply a sealant to protect your deck from moisture and UV rays.

Pro Tip: Don’t have a deck? Here’s how to build one: How to Build a Deck.

5. Build a shed

Building a shed is a great storage solution and summer home improvement project to consider, and potential buyers down the line are sure to appreciate the addition. Here’s a simplified outline to get you started:

• Plan and permit: Check local regulations for permits. Design your shed based on your needs and space.
• Choose your foundation: Choose between a concrete slab or a gravel base. Make sure it’s level and sturdy.
• Frame the shed: Construct the walls and roof using treated lumber. Assemble them on the ground and then raise them into place.
• Install siding and roof: Use weather-resistant materials for the siding and roofing. Ensure everything is properly sealed.
• Add doors and windows: Install your doors and windows, making sure they are weatherproofed.

Pro Tip: If you’re looking for a simple shed with minimal customizations, you can also purchase pre-built sheds at most hardware stores.

Financing your summer home improvement ideas

Did you know that your mortgage can actually help you finance your summer home improvement ideas? In addition to renovation loans like FHA 203(k), Cardinal Financial offers EasyPath Renovation. This program is designed for small-scale renovations like the projects discussed above. In a nutshell, you can combine it with a renovation loan and complete your projects through a major retailer like The Home Depot, Lowe’s, and Menards. You can find the full breakdown on EasyPath here. Happy renovating!

Home improvements aren’t just a fun way to spend the extra hours of summer daylight—they can also boost your home’s value and increase curb appeal.

The post 5 Summer Home Improvement Ideas to Try This Season appeared first on Cardinal Financial.

5 Summer Home Energy-Saving Tips

• Upgrade your window treatments
• Install a smart thermostat
• Replace air filters
• Caulk gaps around windows and doors
• Use power strips

Upgrade your window treatments

Only the good kind of shade here. During hot months, window treatments such as blinds, shades, and curtains can help reduce sun exposure in your home, keeping temperatures from spiking indoors. Reflective or light-colored window treatments are particularly effective in reflecting sunlight away. This reduces the need for air conditioning, leading to lower energy consumption and costs.

Install a smart thermostat

Smart home features are everywhere these days, and one perk of a smart thermostat is that it can sync with smart devices you already have. More importantly, smart thermostats can significantly reduce energy consumption by learning your schedule and preferences to optimize heating and cooling. They can automatically adjust the temperature when you’re not home or when you’re asleep, leading to lower energy bills. Some models also provide energy usage reports so you can monitor and manage your consumption more effectively. 

Some smart thermostats even offer advanced features like zoning, where you can set different temperatures for different rooms or areas in your home. They can also provide real-time weather updates and adjust settings accordingly.

Replace air filters

A clogged air filter can restrict airflow, forcing your HVAC system to work harder to maintain your ideal temperature. This increased strain can lead to higher energy consumption and utility bills. When you replace air filters regularly, your HVAC system operates more efficiently. Plus, replacing air filters is essential to maintaining the air quality in your home. Allergies? We don’t know them.

Caulk gaps around windows and doors

Proper insulation is important year-round, not just during the summer. Doors and windows are common sources of air leaks, where conditioned air from inside your home can escape, and outside air can enter. This exchange forces your heating and cooling systems to work harder to maintain a consistent indoor temperature. Caulking these gaps and cracks reduces the workload on your HVAC system and conserves energy.

Use power strips

Just because a device is turned off doesn’t mean it isn’t using energy. Many electronic devices and appliances continue to draw power if you leave them plugged in, even when they’re turned off. Power strips can cut off power completely to these devices when they’re not in use. It might seem like a small difference in energy consumption, but it can lead to significant savings over time.

Many power strips also come with built-in overload protection, which can help prevent electrical fires and damage to your devices. By protecting your electronics from power surges and overloads, power strips can contribute to the longevity and efficiency of your appliances. In the long run, this saves energy and reduces waste from having to purchase new devices more frequently.

Bonus summer home energy-saving tips

Some summer home energy-saving tips will yield more savings than others, but every little bit helps. If you’re looking for some additional ways to trim costs this season, here are some bonus strategies to try. 

• Wash laundry with cold water
• Save tasks like laundry and cooking for cooler hours of the day
• If you have a pool, keep it covered when not in use
• Switch to LED lightbulbs
• Keep the thermostat at 78 degrees

Don’t forget that being comfortable in your home matters just as much as your budget. If you need to turn the thermostat down a few degrees, don’t sweat it.

Reducing your home’s carbon footprint is never a bad idea, especially when it means you could save on your utility bills during the hot summer months.

The post The Best Summer Energy-Saving Tips for Your Home appeared first on Cardinal Financial.

7 Tips for Buying a House in Fall

• Understand your credit score
• Prepare for your down payment
• Get your paperwork in order
• Budget for renovations
• Hold off on the holiday shopping
• Stay flexible
• Get a head start on tax season

1. Understand your credit score

These days, there are more loan options than ever that offer flexible credit requirements. A higher credit score typically means lower rates, though. So while a perfect score isn’t necessary, it’s important to understand what you can do to keep your credit healthy and lower your homeownership costs.

The best way to get the full picture of your credit score is to pull a copy of your credit report from one of the three major reporting agencies (Equifax, Experian, or TransUnion). You can do this by visiting AnnualCreditReport.com. Each reporting agency calculates your score differently, and not all creditors report to all three bureaus. While they may vary slightly, they all consider factors like account age, payment history, balances, and number of accounts.

Pro Tip: Try these tips to get your credit where you want it.

2. Prepare for your down payment

Did you hear the one about putting 20% down? It’s a myth. Realistically, the average home buyer just doesn’t have 20% of their home’s purchase price readily available. Some loan types have down payment requirements as low as 3%. Some, like VA and USDA loans, require no down payment at all. Still, there’s no denying that putting down more upfront can help you qualify for better loan terms. As you get ready to buy a house in fall, crunch the numbers to determine how much down payment is realistic for you. Try to aim for at least 10% down if your credit score is below 580.

Pro Tip: Get the full explainer on down payments with our free guide.

3. Get your paperwork in order

Buying a house in any season means paperwork. Most lenders will ask for documentation covering your income, taxes, and more when you apply for financing. Getting all that information together before starting the application process will save you a lot of time and stress. 

Plus, you can use that documentation to get pre-approved and make a stronger offer on your home.

4. Budget for renovations

In today’s market, you’re unlikely to find a home in your budget that meets all of your expectations perfectly. Renovations are almost a given for most people who buy a house in fall. And with colder weather already rolling in, you may not be able to delay home projects like HVAC repairs, new windows, or updated plumbing. So, if you plan to buy a house in the colder months, make sure your budget allows for renovations that need to be addressed immediately.

5. Hold off on the holiday shopping

Good news: You officially have an excuse to put off holiday shopping until the last minute. Why? Big purchases can impact your credit score and debt-to-income ratio (DTI).* Those numbers help determine your loan terms. So, if you apply for home financing and then make a big purchase before closing, your lender will likely need to update your application with your updated finances.

*DTI is the percentage of your gross monthly income spent on debt payments. Mortgage lenders add current debts to projected mortgage payments to help determine loan qualification and usually like to see the debt percentage below 40%. 

6. Stay flexible

Fall weather can be unpredictable. From showings to moving day, your plans may have to change on short notice. As with any home purchase, it’s important to stay flexible and keep your eye on the prize: A place to call home for the holidays.

7. Get a head start on tax season

One of the biggest perks of homeownership is the tax deductions* you may qualify for. To make sure you don’t miss out on any write-offs, get everything you’ll need in order as you’re finalizing your home purchase and moving in. With your mortgage fresh on your mind, you’re a lot less likely to miss important details or lose track of necessary documentation. Plus, if you have any questions about filing taxes as a homeowner, your real estate agent and lender might have tips.

*This material has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before making the decision to buy or refinance a home.

If you buy a house in fall, make sure you understand your credit score, budget for renovations, and avoid big holiday purchases until after closing.

The post Buying a House in Fall: 7 Tips to Keep it Simple appeared first on Cardinal Financial.

Is fall a good time to buy a house? Six reasons we say “yes”

• Fewer competing offers
• More motivated sellers
• More flexible mover availability
• Changing weather
• Potential tax breaks
• Save on home goods

1. Fewer competing offers

The warm months are the busiest time of year for buying a home. Especially in a seller’s market, this means you’ll be bidding against more offers. In the fall, you’ll have less competition. Plus, your real estate agent will likely have fewer obligations to other clients when summer is over. That means more time to devote to your home search.

Pro Tip: If you do find yourself in a bidding war, our bidding breakdown can help you win.

2. More motivated sellers

By fall, peak selling season is over. With fewer offers on the table, sellers are usually more motivated to accept yours to get the listing off the market before the holidays. This situation gives you an edge to negotiate a better price.

3. More flexible availability for movers and other involved parties

Post-summer is the slow season for moving companies, too, so you may be able to get settled into your new home with more flexibility and lower costs. Your lender will also likely have fewer loans on their plate in the fall. That means you may be able to get through the mortgage process and close on your home faster than you would in busier seasons.

4. Changing weather

Fall is also a good time to buy a house because the weather is less predictable. This gives you the opportunity to see potential homes in less-than-ideal conditions. Not only can this help you negotiate terms with the seller, but you’ll also have a clearer picture of what you can expect from the home year-round.

5. Potential tax breaks

While you can’t avoid paying taxes, becoming a homeowner can qualify you for more deductions.* Even if you close on your home as late as December 31, you could be able to deduct:

• Mortgage interest (applies to the interest paid on the first $750,000 of your home loan)
• Discount points (pre-paid interest on your mortgage)
• Property taxes (exact amount depends on where you live)

Depending on your unique circumstances, more deductions may also be available.

6. Save on home goods

If you’re like most people, you probably got rid of a lot of belongings before your move. Now, it’s time to replace them and make your new house a home. Fall can be a great time to buy a house because it’s followed by seasonal sales like Black Friday, Cyber Monday, and end-of-year warehouse clearances. Once you’re moved in, you can find decor, furniture, appliances, and more for lower prices than you might in the spring or summer. It’s no secret that buying a home can cost quite a bit upfront, so any opportunity to save can make a big difference in your finances as you head into the new year.

So, is fall a good time to buy a house?

There are a lot of reasons to buy a house in the fall, but there’s no such thing as perfect timing. A cold-weather home purchase typically means fewer available listings, the risk of weather hazards on move-in day, and less time to get settled before the holidays hit. And if you have kids, moving during the school year can be a difficult transition. The right time to buy a house is different for everyone, so don’t feel pressured to make it happen on anyone’s timeline but yours. Whenever you’re ready, we’re here to help.

*This material has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before making the decision to buy or refinance a home.

A fall home purchase means less competition, more motivated sellers, and potential deals on home goods for your new space.

The post 6 Reasons Why Fall Is a Good Time to Buy a House appeared first on Cardinal Financial.

Your 8-Step Fall Home Maintenance Checklist

• Tidy your yard
• Declutter your gutters
• Trim your trees
• Prime your lawn
• Store your equipment properly
• Prep your pipes
• Check your HVAC system
• Complete outstanding repairs

1. Tidy your yard

First up on your fall home maintenance checklist: Take a look at your yard and tidy as needed. Rake and bag the leaves, remove dead bushes, branches, and shrubs, and pull up any dead plants and weeds. If you have a composter, now is a good time to feed it with your lawn’s refuse and generate some nutrients for springtime gardening.

A note on raking: When it comes to raking leaves, less is more. You’ll want to leave a thin layer of leaves to provide nutrients for your lawn and offer winter hibernation habitats for frogs and other small creatures. Avoid more than 50% leaf coverage of your yard, though. With too many leaves, your grass will be smothered and soggy when spring rolls around.

2. Declutter your gutters

Decluttering: It’s not just for closets. Although it might be an unpopular task, cleaning your gutters is actually one of the best ways to take care of your home. After clearing leaves and debris from the gutters, don’t forget to check the downspouts and make sure a clear path exists for the snow to melt and drain away from the house.

3. Trim your trees

Our next fall home maintenance tip is to scan your trees for dead or low-hanging branches. Trim back any that are resting on the roof or brushing up against the windows and siding. If it snows in your area, it could weigh down these branches to the point where they snap and cause collateral damage to your home.

4. Prime your lawn

Next, take winter preparation a step further by aerating, fertilizing, and seeding your lawn. This way, you’ll be ahead of the game when the spring rains come. While you’re at it, eyeball the foundation of your home for any spots where the soil may be sinking. Filling those ruts now will help melting snow and ice flow away from the house and prevent potential water damage to your basement and foundation.

5. Store your equipment properly

Don’t wait until you need it to make sure your home maintenance equipment is stored and working properly. For lawnmowers and other gasoline-powered equipment, drain the fuel and store it in a safe container (fuel that sits in the tank for too long may cause corrosion). Assess your winter supplies and make sure you’re stocked up on basics like antifreeze, shovels, salt, and car window scrapers as needed.

6. Prep your pipes

Ah, the dreaded frozen pipes. To avoid this common cold weather issue, shut off your home’s exterior water lines before fall ends. If you have any outdoor hoses, drain and wrap them up and store them in your garage or another dry, indoor space. This is also a good time to drain your home’s hot water heater and clean out any sediment buildup. This task will increase the life of your hot water heater and make its water cleaner and safer to use.

7. Check your HVAC system

It’s easy to go long periods of time without examining your home’s HVAC system, but don’t skip this step in your fall home maintenance checklist. Winter is the busy season for HVAC professionals, so it’s a good idea to contact them now for preventative measures. This is also a great time to clean or change your air filter to improve your home’s air quality as well as your HVAC’s efficiency. If you have a working fireplace, have your chimney cleaned or your gas line inspected so you can relax and enjoy its warmth in the months to come.

8. Complete outstanding repairs

The last step on your fall home maintenance checklist is a bit of a catch-all. If you have any home repairs or projects underway, make sure these are complete before fall is over. Inspect your roof, windows, and doorways for gaps that could allow cold drafts to permeate. These can be repaired with simple caulk or could require more involvement, like window replacement. All these minor upgrades will help prevent hot air from escaping from your home and lower your winter utility bills.

Any other fall home maintenance tips?

We’ve provided some general home maintenance tips in this checklist, but your specific needs will vary based on your location and the unique features of your home. Older builds in colder areas, for example, tend to be more at risk for frozen pipes. If you live in a remote area where snow plows don’t service your neighborhood, stocking up on winter supplies may be your priority. Regardless of where you are, the most important things you can do as a homeowner are to have a plan, be prepared, and don’t forget to enjoy all the cozy activities the season brings. Pumpkin spice, anyone?

Spending a little extra time on home maintenance in the fall could help you save money on utilities and repairs in the winter.

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