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Thursday, July 28, 2016

5 Things To Avoid When Buying a Home

In order to make your home sale go smoother, there are several things you should avoid when you buy a St. Louis or St. Charles area home. Most of the hurdles to clear regard mortgage financing. Even though you may be pre-approved for a mortgage loan, it does not mean the lender has legally committed to funding the loan. Buyers who don’t know any better can inadvertently add obstacles to their mortgage funding between writing a contract and closing day. Here are five things to avoid during the home buying process.

what to avoid when buying a home

Don’t Run Up Your Credit

Don’t max out your credit cards buying furniture for your new home. Wait until you close. This also goes for any other large purchases like a car, boat or vacation. Don’t open up new credit accounts. If you absolutely need to obtain new credit or accrue debt before closing, talk with your loan officer as soon as possible. New payments will affect your monthly debt-to-income ratio in a negative way. Here are ways to improve your credit.

Don’t Switch Up Your Banking

The Home Buying Process
Don’t switch financial institutions right before or during the home buying process or make a lot of unusual deposits or withdrawals. Your mortgage lender will be double checking your finances and require clear documentation and a recognizable paper trail of your finances. Money that will be your down payment should be sitting in your account for at least two months - what lenders call "seasoning" - so that the funds don't just appear out of thin air. Also, don’t co-sign anyone else’s loans during this time.

Don’t Get Behind

Home buying mistakes to avoid
Make sure you continue to pay your bills on time and don’t get behind. Payment history comprises about a third of your credit score. A single 30-day late payment can chop 60 to 110 points from your credit score. Many lenders require at least 12 consecutive months of on-time payments in order to qualify for a home loan.

“It is very important that the borrowers communicate with their loan officer if anything changes financially from the time they start the house hunting process to the time of closing.  Most times the loan officer will find out if something does change and if that happens at the last minute, your closing could be delayed.  In most cases if something does change and you alert your loan officer to help fix the issue, closing will go on as planned.” - Jeff Griege, VP, Paramount Mortgage

Don’t Change Employment

Obviously lenders want you to have steady employment in order to grant you a mortgage loan.  So don’t change jobs before applying for a home loan. It’s also not the right time to become self-employed or quit your job. If there are any changes in your employment, notify your lender. You don’t want to spend money on the home buying process if you won’t get the loan in the end.

Don’t Spend Your Savings

What is needed to buy a homePart of the price of financing a mortgage loan is the closing costs and you’ll likely have some responsibility for paying them. Make sure you have enough for your share of the obligation. Get an idea of  the price of your closing costs in advance by talking to your lender.


The Boehmer Team Knows How To Close

The Boehmer Team understands many of the hurdles homebuyers face in procuring the St. Louis or St. Charles, Missouri home of their dreams. We face any obstacles with our clients and do our best create a clearer path to home ownership. If you have questions about the home buying process contact The Boehmer Team.


Wednesday, July 13, 2016

Return to Retro… Vintage-Inspired Trends for Home Decorating

Are you preparing a home for sale in St. Louis or St. Charles County, Missouri? Do you love to upcycle? Or has HGTV’s Fixer Upper made you want to try some of the latest vintage-inspired decorating trends? We’re seeing home décor return to retro even in newly built homes. So how are people integrating this trend into their home?

farmhouse inspired design
Picture: HGTV's Fixer Upper

White Tints and Neutral Paint Colors

White with tints of gray, beige, blue and green create a great backdrop for vintage-inspired décor.  Layer these colors with other neutral shades to create some depth.  Use chalk, flat or eggshell finishes to get the retro look. Now you can get creative with fun accessory finds of almost any color.


repurposed furniture
Wood Record Player Console with Modern Sinks
Cook Home - Photo by Jana Rice
Real wood, especially reclaimed or distressed, is a popular feature in vintage interior design. Try adding a wood wall as a focal point. If you don’t want all the work you can find textured wallpapers that give the appearance of a wood wall.

Wood flooring is especially on trend with this design style. So go ahead, pull up the carpets and expose the old hardwood floors underneath, even if they have some scratches.

Refurbished wood furniture used creatively makes an elegant statement. Meanwhile farmhouse tables have become the go-to dining table for this design style.

unusual home design materials
Copper Countertop
Cook Home - Photo by Jana Rice


A combination of wood, metal and painted surfaces create casual and beautiful interiors. These surfaces don’t have to be in perfect condition, as distressed versions are on trend with vintage-inspired style.
Here’s a quick guide to metal finishes in your home:
  • Chrome, polished nickle, brass, or brushed brass for added glam and opulence
  • Choose black or bronze for a more rustic feel
  • Choose brushed nickle or stainless steel for ease to match up with everything

Reinvented Items

reinvented items for your home
With the rise of sites like Pinterest, Houzz and Hometalk, you can easily find wonderful ideas to reinvent pieces you find in your attic, garage, or thrift stores. Turn an old dresser into an amazing TV stand, create framed art out of an old door, or repurpose a wood pallet into about anything with the added function of storage.

Unusual Accessories

Boat oars, black and white photos or vintage coffee cans? Sure! Accessories that reflect the past, your local area and the outdoors are perfect for vintage-inspired design. If you are using small items, display them in groups of odd numbers. Better yet, go big with unexpected large-scale art that creates a focal point and becomes a conversation piece.

vintage accessories for your st louis home
Picture: HGTV's Fixer Upper

The Boehmer Team

If you are currently fixing up your home to put it on the market and need some staging tips, The Boehmer Team can help. Or if you are looking to buy a modern home, mid-century home or brand new construction, The Boehmer Team can help you find the home you desire. Then you can integrate all of your vintage-inspired design ideas into making your home the house of your dreams.