Kimber Pope-Kettlety - Coldwell Banker Cahoone, Realtors



Posted by Kimber Pope-Kettlety on 1/21/2021

If you've always dreamed of owning a house, there is no need to wait to enter the real estate market. In fact, there are many reasons to kick off a house search today, and these include:

1. You can upgrade from your current residence.

If you live with family members or friends or rent an apartment, buying a home may represent an upgrade. Because when you purchase a residence, you can reap the benefits of having your very own living space.

There is no shortage of high-quality houses available in cities and towns nationwide. Regardless of whether you prefer the comfort of small town living or the hustle and bustle of city life, you can check out a broad range of houses at your convenience. Then, you can discover your dream residence, submit an offer to purchase it and move one step closer to making your homeownership dream come true.

2. Many home financing options are available.

One of the biggest issues that often prevents people from pursuing homes is a lack of financing. Fortunately, banks and credit unions offer a variety of mortgage options designed for individuals of all incomes.

Whether it's a fixed- or adjustable-rate mortgage, you're sure to find a mortgage option that complements your finances perfectly. Plus, banks and credit unions are ready to teach you everything you need to know about different types of mortgages. And if you are unsure about how a mortgage works or which mortgage option to choose, friendly, knowledgeable mortgage specialists are available to assist you.

3. You can receive plenty of support throughout the homebuying journey.

Let's face it – buying a home can be a daunting task, particularly for an individual who is entering the real estate market for the first time. The sheer volume of top-notch houses sometimes makes it tough to differentiate a good home from a great one. Meanwhile, navigating the homebuying process can be stressful, and challenges may arise that make it difficult for a homebuyer to achieve his or her desired results.

If you enter the housing market today, you can hire a real estate agent who can help you streamline the process of going from homebuyer to homeowner. This housing market professional will offer expert insights into all aspects of the homebuying journey. In addition, he or she will go the extra mile to ensure that you can quickly and effortlessly acquire your dream home at a price that matches your budget.

Of course, a real estate agent will help you map out a successful homebuying strategy too. He or she will meet with you, learn about your homebuying goals and help you plan accordingly. And if you have concerns or questions at any point during the property buying journey, a real estate agent can respond to them.

Launch a home search today – you'll be glad you did. If you pursue your dream home with help from a real estate agent, you can seamlessly navigate the property buying journey.




Categories: Uncategorized  


Posted by Kimber Pope-Kettlety on 1/14/2021

You've sold your home, and moving day is almost here. As such, now may be the perfect time to pack an overnight bag; that way, you're ready to survive with only limited supplies until you get settled into your new house.

Ultimately, there are several essential items to include in an overnight bag, such as:

1. Clothing

It is important to pack enough clothing to ensure that you can dress comfortably until you get unpacked. Thus, you'll want to consider how long that it will take you to get settled into a new house as you prep your overnight bag.

For example, if you plan to take several days to unpack, you'll want to pack your overnight bag clothing accordingly. In this scenario, you'll likely need work clothes for the days that you're in the office, along with pajamas and other comfortable clothing that you can wear around the house.

2. Cash

If you know that you're going to be living outside a traditional home environment for a few days, it never hurts to pack cash in your overnight bag. By doing so, you'll have money available to buy food, beverages and other items as needed.

Consider how much money that you'll need to survive even a few days outside of a traditional home setting. Also, be sure to keep extra cash close to reduce the risk of losing this money while you relocate to a new address.

3. Toiletries

Shampoo, toothpaste and other toiletries should be included in your overnight bag. These items ensure that you can maintain a clean, neat appearance, regardless of where you're staying.

Many convenience stores and supermarkets sell travel-size versions of popular toiletries. Therefore, you may want to purchase travel-size toiletries to limit the chance that assorted toiletries will take up too much space in your overnight bag.

Furthermore, you can pack only the toiletries that you know you'll need for a set period of time to conserve additional space in your overnight bag.

4. Smartphone Charger

Let's face it – no one want to lose access to his or her smartphone for any length of time. Fortunately, if you pack a smartphone charger in your overnight bag, you can recharge your smartphone at any time.

Include a smartphone charger and any smartphone cords or wires in your overnight bag. In addition, don't forget to test your smartphone charger and accessories to ensure they work properly.

Packing an overnight bag can be quick and simple, particularly for those who plan ahead. And if you include the aforementioned items in your overnight bag, you should have no trouble surviving outside a traditional home setting.

Lastly, if you need help as you get ready to vacate your house, a real estate agent may be able to provide assistance. A real estate agent serves as an expert guide along the home selling journey and will do everything possible to guarantee that you are fully prepared for an upcoming move.




Categories: Uncategorized  


Posted by Kimber Pope-Kettlety on 1/7/2021

We all know that buying a home is expensive. For first-time buyers who don’t have the luxury of equity for a down payment, it can be difficult to find a way to finance your home without taking on a huge interest rate and mortgage insurance.

Fortunately, loan programs like those offered by the U.S. Veterans Affairs can be a godsend. However, there is a great deal of confusion around who is eligible for VA loans and how to acquire them.

So, in today’s post, we’re going to cover some of the frequently asked questions of VA loans. That way, you can feel confident in knowing whether or not it’s a good financing option for you and your family.

VA Loans FAQ

Who is eligible for a VA Loan?

VA loans aren’t just for veterans. Most members of the military, including Reserve and National Guard members can apply. Additionally, spouses of service members who died from a service-related disability and those who died on active duty can apply as well.

How long do you have to service to be eligible?

The VA defines eligibility as having served no less than 90 days of service during wartime and 181 days of continuous service during peacetime.

Who are VA Loans offered by?

Like any other loan, VA loans are offered by private lenders. The difference is that VA loans are guaranteed by the government. That means that the federal government takes on some of the risk of lending to you, therefore making it possible to secure a loan with little or no down payment.

Should I make a down payment on a VA loan?

If you have the means, making a down payment will almost certainly save you money in the long run. If you can put down 10% of your total mortgage amount, you can also significantly reduce the VA Funding Fee.

Will I have to pay private mortgage insurance?

Private mortgage insurance (PMI) is something that borrowers pay on top of their mortgage payments and interest. This additional insurance helps borrowers buy a home with a small down payment. VA loans allow you to secure a mortgage without PMI.

Are VA loans different for active duty, National Guard, and Army Reserve members?

Each type of service member is eligible for a VA loan. However, there are some minor differences regarding the VA Funding Fee. With no down payment, an active duty member would pay 2.15% of the loan amount in fees. National Guard and Army Reserve members pay around 2.40% with no down payment.

What does my credit score need to be to get a VA loan?

The VA doesn’t have a set minimum credit score. However, the private lenders that offer the loan do. On average, the lowest credit score that you can secure a VA loan with is around 620. That being said, a higher score will secure you a lower interest rate, saving you money over the lifetime of your loan.




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Posted by Kimber Pope-Kettlety on 12/31/2020

Image by triosolution1 from Pixabay

When it comes to hiding an AC, it's vital to maintain proper airflow. But you don't have to block airflow to remove an air conditioner from your line of sight. Check out these five creative ways to hide your AC.

A Hanging Garden

To make this project easy, pre-made lattice works just fine for a basic hanging garden. But if you're looking forward to a weekend project, go a little more advanced. 

Nail six to eight 2X4s together into a grid, leaving space between them. Then simply encourage vines up the structure or hang potted plants on the slats. 

You can also turn your grid into a 3D structure so that each compartment becomes a planter for herbs, succulents, flowers or whatever inspires you. 

The exact design is up to you. Just keep two things in mind. First, you'll need to maintain it to prevent overgrowth that blocks airflow. And second, it should be easily removable. Or place it three to five feet from the unit so that a professional can service the AC when needed.

A Slatted Bench

So your AC unit is right in the middle of your outdoor entertainment space. Not to worry. You can build a beautiful deep, slatted bench that fits perfectly over the unit. Think up-side-down crate with a bottom that comes off like a lid and you have the perfect hide-away for an AC. 

Stain the bench/cover to match your home or lawn furniture and no one will ever know. And because it doubles as a bench, you'll forget your AC is under there, at least when it's not running.

A Row of Hedges

If you can still maintain access to the unit, some AC units can be concealed by a row of hedges planted three to five feet away from the unit. You can place the hedges along one side or grow them all around.

A Bird Sanctuary

Simply adding a fence would be too ordinary, But combining a fence with a line of beautifully painted birdhouses can cover your AC and add character to your yard while giving local birds a safe and warm place to nest in the spring.

If you want to build the birdhouses from scratch, you can. Or you can head down to your local lawn and garden store to choose three to five you like. Then it's just a matter of using a nail and hammer to secure them to the fence.

Give it its Own House

If you want to have some fun and have a little more carpentry skill than the rest of us, create a miniature version of your home that you can place over the unit. It can't be a replica since it needs proper airflow, but by mimicking your home's style, the structure seems to fit right in. That AC will be an eyesore no more.

Love your yard and home with simple and creative tips like these. For more fresh DIY home maintenance and improvement ideas, follow our blog. 





Posted by Kimber Pope-Kettlety on 12/24/2020

Photo by Ilona Krijgsman via Pixabay

Whether you own a cat, dog, reptile, or another animal, these critters are members of the family. But with cramped spaces and home layouts that aren’t very focused on the comfort and safety of your pets, you may need to make some modifications to make your home more pet-friendly. And given how your pets spend more time at home than you do, they deserve a high level of comfort. Whether you’re building a new home or you want to remodel, there are some DIY projects focused around upgrades for your pet’s needs. Keep reading to learn a few tips for how to create a pet haven in your home.

Space to Roam

Adventure is in the blood of our pets. From finding prey to reproduction instincts, our pets are meant to roam and explore. But with today’s means of living that include apartments and homes with small yards, sometimes exploration can be limited for our furry friends. If possible, try to create space in your yard for your pets to run around and play. If this space is limited, then be sure to take them to the park frequently—at least a few times a week. This will keep them happy and feeling their best.

Private Area

Just like humans, most pets need a private area where they can relax and unwind. If the beds of our pets are located near the kitchen, living room, or in other areas that see a lot of traffic, that can be very stressful for your pets, and they might not get the rest they need. That being said, try your best to find an area in your home that is away from the chaos and place your pet bedding there. Although some pets love to be in the middle of the action, this area can give them a safe, stress-free place where they can relax.

Observe Them

In order to find the perfect location in your home to create a safe and comfortable area for your pet, it's important to observe them. Over time, pets will usually find the areas of the home that are most comfortable to them, and they may sleep there and constantly spend time in that location. These are the areas where you should place their beds, toys or any other items that will make them more comfortable.

Make Things Safe

Whenever you have a pet roaming around your home, you should always make sure the environment is safe. However, not many people realize everything that needs to be done in this regard. Whether you have a young pup or an older cat, you should:

  • Always make sure the thermostat is set to a comfortable temperature. You don’t want it too cold or too hot.
  • Remove trash cans, place them under the sink or purchase a touch-free model to ensure your pet can’t access the trash.
  • Store cleaning materials and food out of reach of your pets.
  • Hide or tape down electrical cords, which can be quite tempting to chew for pets.
  • Put away shoes, toys and any other items that your pets may play with or chew.

Build A Pet Area

Pets do well in closed-in spaces. Especially if you have a puppy or young kitten, these spaces can also limit any chewing or destruction to your home and furniture. While a crate is a possibility, it's best to design an area where they have a little more space. In fact, this is an easy DIY project. Remember when you made forts as a kid? Now you can relive those memories by building one for your pet! You could move couches, tables, chairs, or any other pieces of furniture to create a closed-in space for your furry friends. In this area, be sure to add pet bowls with food and water, and don't forget about their toys! You may also want to lay down some blankets or bedding, so they can stay comfortable. This can create a safe pet haven, and this DIY project costs nothing!

Build A Hideaway

If you have a small pet at home such as a puppy or kitten, or even a rabbit, then it is very simple to create the perfect hideaway for them. Remember those old moving boxes you have tucked away in the garage? Well those can be easily be used as a pet hideaway! Be sure to fold out the boxes, tape down the sides, then cut out holes, so they can enter and exit as they please. You might also want to place some blankets inside the hideaway, so they stay comfortable! For added space and creativity, you can also connect boxes together to make a larger pet haven. To design a more permanent option, you can easily make one out of wood. These pet hideaways can ensure your pet stays safe, happy and comfortable!

By focusing on the tips outlined in this blog, your pet will love your home even more than you do!




Tags: pets   Pets at home   Pet Haven  
Categories: Uncategorized  




Kimber Pope-Kettlety